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Articles about independent mortgage broker (0-50 of 293)
- Mortgage Broker Power Benefits Consumers
By: David Nalin | - Unless you are a well-experienced, well-trained professional in the lending universe, soliciting the services of a good mortgage broker is essential when seeking a loan suitable to your needs.
Key Attributes of a Good Mortgage Broker
The first and foremost quality a good mortgage broker possesses is always keeping your best interest at heart in all activity looking for a loan. A good mortgage broker understands how to explain what home financing is available that meets your ...
Tags: Mortgage Broker
- Turned Down For A Mortgage? Let A Mortgage Broker Find A Loan For You
By: David Nalin | - If you are a casualty of the state of the economy and finding it hard to get a mortgage, you are not alone. With the plethora of houses on the market today at prices greatly reduced from a couple of years ago, it is an excellent time to buy. But, unless you have very good credit and a steady income, you will likely be turned down for a mortgage loan. If you have your heart set on taking advantage of todays housing prices, let a Mortgage Broker help you get a loan.
The job of ...
Tags: Mortgage Broker
- What Is A Mortgage Broker And Should I Have One?
By: David Nalin | - Due to the current state of the economy, the process of buying a home has changed. Up until major lenders began to fail, loans were much easier to come by; borrowers commonly were not overly scrutinized. Many bad loans were made such as variable interest loans and loans with balloon payment clauses. As a result of bad lending practices, obtaining a loan today is likely to be more difficult with more scrutiny of the borrowers ability to actually repay the loan. This is a great time to buy ...
Tags: Mortgage Broker
- Do You Lack Product Knoweldge With Lenders, Everything You Need With No Effort Or Strain
By: John E Edwards | - Knowing 6 types of personal loans will make it easier for you do deal with lenders, Go from asking for a loan to saying that you want a novated lease with a 45% balloon payment with a guraenteed buy back. Now that is how to open the negotiation.
Do not say you need a loan; it is an indicator that you do not know what you are doing. It also shows you do not know much about loan finance. There is no such thing as a loan. Yes, a lender will provide you with a loan but that doe ...
Tags: mortgage, loans, types of loans, debt consolidation, mortgage broker
- Originate Nationwide With A Bank
By: Thomas Kadlec | - Originators and Brokers can Write loans as a bank nationwide while maintainging their current business.
Net branch. Bank Branch. These topics are on the minds of most originators these days due to the internet and technology expanding the reach of the geographic restrictions that originators may have once found limiting.
The 50 state lending program is a program designed to be used by licensed mortgage brokers and their employees to accept mortgage loans that have been ...
Tags: originate nationwide, bank branch, net branch, Mortgage Broker, originator, loan officer
- Do You Need To Generate Passive Income Now ,these 8 Steps Turn A Home Mortgage Into A Money Machine
By: John E Edwards | - This article is for those who will accept risk but would like to build a series of safety checks into the investment to manage risk effectively.
Rule No one.
Your home Mortgage will provide the needed investment funds to buy an investment and finance it in the short term. You should avoid any debt financing.
Do not risk savings, superannuation, saving account, your home, nor should you borrow money from others, family and banks. So where does the mon ...
Tags: mortgage, business opportunites, debt consolidation, finance, mortgage broker, buy a business
- Insider Tips To The Best Mortgage Deals
By: David Farrell | - Many people interested in a mortgage will head to their current bank for their mortgage options. However, banks that are competitive in their rates and terms for deposit accounts may not be so efficient at providing the best mortgage deals. A mortgage is a big investment and it pays to shop around for the best rates and terms. While you can do the legwork on your own to find the best mortgage deals, it can take a lot of time and effort on your part to find the right product for your needs. Many ...
Tags: best mortgage deals, mortgage broker, mortgage advice, mortgage deals
- What Exactly Is A Mortgage Broker And Why Should I Use One?
By: Jim Thornton | - Are you undecided about using the services of a mortgage broker or sceptical as to what a mortgage broker can do for you? The purpose of this article is to clarify the many advantages and benefits you will receive when using the services provided by mortgage brokers in Canada. I am optimistic that after reading this article Canadians will have a much better understanding about the services provided by a mortgage broker, and will consider using a mortgage broker for their mortgage financing need ...
Tags: Ontario Mortgage brokers, Canadian mortgage brokers, mortgage broker, mortgage agent, mortgage representative
- First Time Buyer Mortgage Application Guide
By: Jerry Figueroa Lee | - Buying a home and arranging a mortgage is said to be one of the most stressful experiences we can have in live, yet it doesn't need to be. No matter whether you are a First Time Buyer or moving home, the step by step guide that follows will help ensure that your mortgage application runs smoothly.
Step 1 - Contact an independent mortgage adviser
Buying a home can be one of the most exciting experiences as well as one of the most daunting. With thousands of fixed, tr ...
Tags: mortgage application, conveyancing, first time buyer, independent mortgage advice
- Buying New Homes Through Residential Mortgage Broker
By: Sharon Samraj | - Buying a home can be a daunting task. It is therefore advisable to buy new homes through residential mortgage broker. A residential mortgage broker will make it easier for you to buy your new home, by guiding you through various types of mortgages available in the market and identifying the deal most suited for you. Even you are a first-time buyer and new to the real estate industry, a residential mortgage broker will make the entire buying process a lot easier.
By virtue of thei ...
Tags: Mortgage broker kelowna, Kelowna mortgage broker, Mortgage b
- Thinking Of Taking The Advice Of A Mortgage Expert
By: Sharon Samraj | - When we start earning, the first dream which most of the people have is to purchase a home. It is a dream which takes time to become visual but with the mortgage solutions many people are fulfilling their dreams in a short span of time. But not to forget the fact that purchasing a home is the largest financial decision in our lifetime and it is of vital importance that we take this decision after serious thinking and considering all our requirements. The assets can be invested in a wide range of ...
Tags: Mortgage broker kelowna, Kelowna mortgage broker, Mortgage b
- What To Look For In A Mortgage Broker
By: Mark Bona | - I recently needed the services of a mortgage broker and decided to check out the best way of going about finding a reputable one. Here are some tips:
If you want to track down a good mortgage broker ask your friends if they have had any dealings with one that they could recommend. I asked around and was surprised to find how many of my mates used a mortgage broker when looking for home loan finance. I thought most of them would just go to their bank but all of them said that by us ...
Tags: mortgage broker, cheap home loan, new car finance, home loan
- In Australia, What Does A Mortgage Broker Offer You?
By: MariyaSmith | - While the banks have been trying hard to undermine the role of a mortgage broker in the new home loan application process, there is no doubt that borrowers who utilise the services of a mortgage broker are much better informed and invariably obtain a home loan that is better suited to their needs.
If a home loan borrower approaches their own bank for a home loan one would hope that the bank will offer them the best deal they have available for that customer. A mortgage broker can ...
Tags: Mortgage broker, car finance, Cheap Home Loan, New car finan
- How Do You Know If You Have A Good Mortgage Brokers?
By: Avi Solutionz | - 1.He's fast, but thorough.
a.Does your mortgage broker contact you in a timely fashion with detailed reports and requests, informing you that he just got the request in from the lender?
b.Or does he sit on the lender request for a few days before contacting you? When you provide the information the mortgage broker requested from you, does he review it with you while you are there to confirm that it is everything he needs?
c.Or does he set your information asid ...
Tags: mortgage broker, mortgage brokers, mortgage, broker, brokers
- Take The Advantage Of A Reverse Mortgage Loan For Financial Security
By: Simon Lowa | - Once you have reached your old age and the regular inflow of income has stopped due to retirement, managing your finances and running the household can be quite a challenge. Also, during the old age the cost on health care is bound to rise and with little social security, you may find yourself being forced to depend on others. However, since property, especially residential property, forms a major chunk of the total asset share of any retired, senior citizen, an individual can utilize this prope ...
Tags: Reverse mortgage seniors, reverse mortgage broker, reverse mortgage marketing, reverse mortgage
- 5 Reasons Why Mortgage Advice Services Are Essential In Today"€™s Climate
By: Alan Hall | - With the global credit crunch hitting the headlines day after day, if you are searching for a mortgage a new landscape has developed.
With the withdrawal of 100% mortgages in the UK, and some lenders actually ceasing to take on new mortgage business, it can be harder to find the best deal for you. Especially if you have adverse credit or are self employed, then finding a lender can be difficult. So in todays market, mortgage search services can help in the following ways:
Tags: Remortgages, buy to let, independent mortgage broker, adverse credit, flexible mortgages, right to buy
- Let Your Home Financially Secure Your Old Age With A California Reverse Mortgage
By: Simon Lowa | - All of us are looking for financial security at the end of the day and hence, we take various steps to insure our future through different forms of investments. A house is perhaps the single, largest investment which an individual will usually make during his lifetime. A substantial amount of financial resources are invested to not just buy a house but also to make it livable and maintain it thereafter. When an individual is in active service with a regular salary or income coming in at the end ...
Tags: Reverse mortgage, reverse mortgage seniors, reverse mortgage broker, california reverse mortgage
- Get Financial Security In Old Age Through Nevada Reverse Mortgage
By: Simon Lowa | - Owning a house is often one of the most prized possessions for any individual, as it is much more than simply a roof over your head. It is a secure haven for you and your loved ones and when the need arises it can also act as one of the bets investments that you have made during your active, service life. Most of the other investments of an individual are usually locked away in various funds that are generally on a long term basis. In times of financial emergency, it may therefore, be a big hass ...
Tags: Reverse mortgage, reverse mortgage seniors, reverse mortgage broker, nevada reverse mortgage
- Insure Your Old Age With The Security Of A Reverse Mortgage
By: Simon Lowa | - Old age brings with it many insecurities and fear for your loved ones and also about your own existence in the mad world. Since you have retired, it means that you have also left the rat race behind you, the race to earn more money, the race to increase your standards of living, the race for survival at any cost. During your active service life you may have made some profitable investments that are your security now and you may even have build a house of your own, which is your haven now. Howeve ...
Tags: Reverse mortgage seniors, Reverse mortgage broker, Reverse mortgage marketing, Reverse mortgage
- Your Lenders And Mortgage Brokers Information To Better Assist You On Your Loans
By: Joel Gray | - Mortgages are offered or promoted by various kinds of lenders. Your loan can be obtained from mortgage brokers, banks, credit unions and mortgage bankers, where generally, the lender gets an origination fee or brokers fee when dealing with mortgage brokers.
The lender then is the one that provides you, the borrower with the money at the closing table, whereby the lender obtains a note or written contract as evidence of your debt and your obligation to commitment and responsibilit ...
Tags: mortgage, mortgage broker, home mortgage
- Senior Citizens Get The Benefits Of Owning A House With Reverse Mortgage
By: Simon Lowa | - A roof over your head that you have built yourself through years of hard work and service is indeed a matter of pride for you as well as anyone. We cherish our house as one of our most prized possession, and why not, considering the effort that goes into acquiring one and the tremendous security and sense of belonging that it offers to the inhabitants. As old age approaches and it is time to retire from active service, the senior citizen finds comfort in the fact that he at least is the proud ow ...
Tags: Reverse mortgage seniors, Reverse mortgage broker, Reverse mortgage marketing, Reverse mortgage
- The Credit Crunch
By: Leon | - The credit crunch has followed woes in the US adverse lending sector, which specialises in supplying finances to people with bad credit histories or who are on low incomes. This lowers money supply, which amplifies a recession effect.
Experts are increasingly worried that the credit crunch in the adverse mortgage market could spread into personal loans. A credit crunch is what can happen when banks start storing cash.
Investors are concerned that fallout from the credit ...
Tags: Independent advice, mortgage broker, mortgage advice, mortgage adviser, mortgage advisor, Big mortgage, mortgage deal, best mortgage, remortgage, loan
- The Self Certified Mortgage
By: Leon | - The concern with this is that income may be over inflated to achieve a higher loan. The self cert lenders have potentially found though that there have been no more repossessions with this type of lending than with full status lending. Self cert is not an excuse to inflate income to achieve a loan as the loan must be serviced comfortably within the realistic standard income multiples.
An example of self cert is where a person has various sources of income that may wildly fluctuate over ti ...
Tags: Independent advice, mortgage broker, mortgage advice, mortgage adviser, mortgage advisor, Big mortgage, mortgage deal, best mortgage, remortgage, loan
- Home Insurance Explained
By: Leon | - You may have to produce the paper work before hand as evidence or sign that you have this in place before mortgage completion. On a purchase, property insurance must be in place on exchange of contracts, so even before you actually move in, as your are then at that point legally bound to the property.
The rebuild cost of your home is the cost to totally rebuild your home from new. An example of this would be if your house burnt down then the cost would have to cover clearance of the plot ...
Tags: Independent advice, mortgage broker, mortgage advice, mortgage adviser, mortgage advisor, Big mortgage, mortgage deal, best mortgage, remortgage, loan
- The Story Of Debt Consolidation
By: Leon | - This would normally be done by re mortgaging and raising capital to pay off all the lenders in one go. Due to the recent large increase in house prices more people have equity in their property which they may wish to free up. Servicing your debts is simpler and easier to control all under one lender. This can amount to making huge monthly saving but caution should be taken before consolidation as there are some potential drawbacks that can be associated with consolidating these types of debts.< ...
Tags: Independent advice, mortgage broker, mortgage advice, mortgage adviser, mortgage advisor, Big mortgage, mortgage deal, best mortgage, remortgage, loan
- Getting Mortgage Advice
By: Leon | - This will be probably, the biggest financial commitment you will make so helpful guidance is essential. It is important not to over stretch yourself and plan that your future borrowing can be met and suits your needs.
Subject to satisfying the individual lenders criteria a lender may offer to lend money to purchase a property in the form of a mortgage. A residential mortgage which is a loan secured on your new home means that if you are unable to service the loan they own a large percenta ...
Tags: Independent advice, mortgage broker, mortgage advice, mortgage adviser, mortgage advisor, Big mortgage, mortgage deal, best mortgage, remortgage, loan
- Why Take Out A Fixed Rate Mortgage
By: Leon | - Fixed Rate allow you the comfort of knowing that your interest rate will not change during the term selected. They are helpful because they allow you to predict what your housing payments will be in the future. A fixed rate mortgage makes it easy to plan ahead, because as the name suggests, the interest rate on your mortgage stays fixed.
A fixed rate deal is a mortgage that has a set unchanging mortgage interest rate for a given term. This in some deals can be over the whole term ...
Tags: Independent advice, mortgage broker, mortgage advice, mortgage adviser, mortgage advisor, Big mortgage, mortgage deal, best mortgage, remortgage, loan
- Uk Credit Crisis
By: Leon | - As lenders look to be stricter with under writing policies a person could be labelled a high credit risk and adverse because of a minor financial error in their past.
Lending standards are tightening significantly, the tipping point is not yet at hand so far, creditworthy borrowers do have access to credit. But lending policy is reducing high loan to values, increasing credit checks and rejecting more high risk business.
Currently stricter credit controls for borrowers sh ...
Tags: Independent advice, mortgage broker, mortgage advice, mortgage adviser, mortgage advisor, Big mortgage, mortgage deal, best mortgage, remortgage, loan
- The Discount Mortgage Loan
By: Leon | - They work by having for a period of time the "discount period" a set percentage discounted from the standard variable rate or the bank base rate normally off their standard variable rate or bank base rate. So if the bank of England base rate rise or fall lenders will usually adjust their mortgage rate, however the agreed discount on the product will apply to the revised rate until the end of the incentivised period. Then the rate will revert to the lenders standard variable rate.
For the ...
Tags: Independent advice, mortgage broker, mortgage advice, mortgage adviser, mortgage advisor, Big mortgage, mortgage deal, best mortgage, remortgage, loan
- The Facts About Mortgage Payment Protection Insurance
By: Leon | - The result would be very onerous as mortgage arrears can lead to repossession and give you a poor credit history. To protect yourself with Accident Sickness and Unemployment insurance also known as ASU or mortgage payment protection insurance, it may help you for up to one or two years until you are able to return to work.
There is a good chance that you will require the protection offered by this type of policy throughout your working life especially during the time you have an outstandi ...
Tags: Independent advice, mortgage broker, mortgage advice, mortgage adviser, mortgage advisor, Big mortgage, mortgage deal, best mortgage, remortgage, loan
- 125% Mortgage Loan
By: Leon | - So changing circumstances can adversely effect your ability to service the loan. It must also be realised that although you may wish to consolidate unsecured debt for example credit cards and loans you will be placing unsecured debt on to a secured loan.
A typical example might be where 95% of the mortgage consists of a secured loan on the property and the rest, the extra 30 % is an unsecured loan. The two amounts will normally be at the same rate which could be for example fixed or varia ...
Tags: Independent advice, mortgage broker, mortgage advice, mortgage adviser, mortgage advisor, Big mortgage, mortgage deal, best mortgage, remortgage, loan
- How To Obtain The Best Offset Mortgage
By: Jan Norman | - This article will briefly discuss what an offset mortgage is; and how an independent mortgage advisor can help you buy the best offset mortgage.
An offset mortgage links your main current account and/or savings accounts to your mortgage. Every day or month, the amount owed on your mortgage is reduced by the amount in these accounts, before the interest is calculated on the loan. When the money in your savings/current account increases, you pay less on your mortgage. If the money i ...
Tags: best offset mortgage, offset mortgage, offset mortgages, mortgages
- Useful Tips To Help You Shop For A Home Loan To Save Money
By: Dennis Ng | - Most consumers want to know which housing loan is the best in town. Unfortunately, that is the wrong question to ask.
There are more than 100 housing loan packages in the market and what is best for one person might not necessarily be the best for you. Each package has different features that are suitable for different needs.
Thus, a more appropriate question to ask is what are the factors that you should consider in choosing a housing loan? Here are some things you ...
Tags: Home Loan, Housing Loan, Best Home Loan, Refinancing, Equity Loan, Low Interest rates, Home Loan Expert, Mortgage Broker, Mortgage Consultancy, Housin
- Shopping For Bad Credit Mortgage Brokers
By: Rony Walker | - You like to shop. You know you do. It's nothing to be ashamed of. You like to get out there bedecked in your fashionable hot pants and flip flops, scout the malls and markets, and find the best deals there are. Shopping takes a great deal of time and effort but you're perfectly happy to do it anyway. If only you put half as much heart in searching for the best mortgage deals there are! You would never end up with an unscrupulous bad credit mortgage broker.
The Sweet and Sour of I ...
Tags: bad credit mortgage broker, bad credit mortgage brokers
- How To Thrive In 2007
By: Doren Aldana | - In my consulting experience working with hundreds of mortgage professionals, I have noticed a similar attribute that is common to most independent mortgage brokers. Most are doers, not planners.
In reality, being a doer is perhaps the ultimate mark of a successful person. It's what makes entrepreneurs a rare breed. Rather than thinking or wishing, they get out there and make things happen.
But I have encountered many mortgage brokers who get into trouble doing ...
Tags: mortgage marketing, mortgage broker training, mortgage marketing coach, free loan officer training
- Mortgage Brokers - Make Sure You Pick The Right One
By: James Copper | - Mortgage brokers help people get financing for the purchase of a home. A mortgage broker is an independent agent who can quickly and easily check out many different financing options.
A mortgage broker may be of great help to people with adverse credit since they know and understand the industry so well. It is possible to use more than one broker at a time.
Using a mortgage broker comes with many advantages. A mortgage broker has connections in the industry and give ...
Tags: mortgage broker, secured loans, real estate, remortgage, home loan, finance
- How Much Does A Mortgage Broker Usually Make Off Of A Mortgage Loan?
By: CL Haehl | - Since compensation methods for mortgage brokers are not regulated by any government entity, it is important to note that brokers can charge whatever they want to for their services. Of course, since the number of brokers in the residential real estate market has steadily increased to the point where it is impossible to count how many there are, a number of industry standards have formed and become unofficial guidelines for how and what brokers will charge.
Who Pays The Brokers? Mo ...
Tags: mortgage loan, mortgage broker
- Why Do Mortgage Consultants Work For Borrowers And Not For Lenders? (courtier Hypotheque)
By: Gregory van Duys | - If you are going to submit an application for a mortgage, you will feel that you are in a sort of contest with the lending institution, since you are on two different sides of the issue. The lender wants the highest interest rate so he can increase his profits, and you want the lowest interest rate so you can save the most money. A mortgage broker (courtier hypothecaire) will be a middle man in these transactions.
Is the broker working for the lender or the borrower in this case? ...
Tags: mortgage, hypothque, mortgage loan, prt hypothcaire, home loan, mortgage broker, courtier hypothcaire, mortgage rates, hypotheque, mor
- How Easy Is It To Get A Uk Commercial Mortgage?
By: Darren Yates | - No matter what kind of mortgage you apply for, whether it's a commercial mortgage or a residential type of mortgage, you will find that great credit and good collateral will make it easier and more cost effective when it comes to the application process. But if your credit is not ideal, or even if you are planning on buying property in a bad part of town, you still may be able to get the financing that you require. lenders are much more flexible and willing to work with you these days.
< ...
Tags: uk commercial mortgage, independent commercial mortgage broker, commerial mortgage broker
- Do I Have To Use A Commercial Mortgage Broker?
By: Chris Clarke | - Well, the short answer is that you don't have to if you don't want to!
Anybody looking for a commercial mortgage is quite at liberty to apply and negotiate directly with any commercial lender - although there are some commercial mortgage lenders who will only deal with professional brokers.
To be realistic, the real question is do I have time to keep track of all the product changes, offers, restrictions and opportunities that constantly change? Because building up a network of c ...
Tags: commercial mortgage broker, uk commercial mortgages
- What Makes A Property Good For A Commercial Mortgage?
By: Darren Yates | - The idea of purchasing a commercial property is that it is well suited to the needs of your business. This can and is defined by several factors and they will all be considered when you apply for your mortgage. The commercial lender will look at your business and what it does and how it will relate to the commercial property in question.
If your company makes widgets, the lender will want to know how long you have been making widgets. They will also want to know what your growth r ...
Tags: commercial property mortgage, commercial property, commercial mortgage broker
- Mortgage Rate Comparison
By: Joel J. Ohman | - Trying to get an apples to apples mortgage rate comparison can often be quite a hassle. Traditionally, there are the face to face meetings with brokers and lenders, the endless combinations of points and fees to sort out, and the element of salesmanship that always comes into play when speaking with a commission based broker. All of those things are generally to be expected but that does not mean that you should rush blindly into any type of buying situation without doing your homework!
...
Tags: mortgage rate, mortgage rates
- Surety Bonds: Little Relief For Homeowners
By: ron | - When it comes to home remodeling or renovation process going on in few portions of your home, normally the first time a homeowner becomes well-known with the term "surety bond" is when problems with the contractor have come up. It's also a time when the homeowner may find that the general contractor has no liability insurance and now it's the only the surety bond to look for help in recovering damages such as shoddy workmanship or desertion of the project. Unfortunately, the news is not good for ...
Tags: Surety Bond, Surety Bonds, Mortgage Broker Bond, Contractor License Bond, ICC Broker Bond, Sales Tax Bond, Motor Vehicle Dealer Bond
- Mias Calls On Mortgage Lenders To Fix Their Exit Fees
By: Mr Hanna | - MIAS, the Mortgage and Insurance Advisory Services (http://www.mias-ltd.co.uk ), is concerned that, despite the recent publicity and various campaigns in the press, borrowers are still being stung by punitive exit fees.
Lenders charge exit fees when customers redeem their mortgage in full, for example, by switching their mortgage to a rival lender. Exit fees can also be termed administration charges, sealing fees or deeds-release fees and are raised to cover the cost of taking pro ...
Tags: mortgage lenders, mortgage advice, independent mortgage advice, mias
- Why You Should Consider Using A Mortgage Broker
By: Tracey Anderson | - Copyright 2006 Tracey Anderson
Mortgage rates and fees vary from lender to lender, and it's not always easy to compare all the details to find the best deal. Mortgage brokers help consumers sort through all those details and find the best mortgage solution possible, often through resources and connections that an ordinary consumer does not have access to. Using a broker can save both time and money. The broker is very familiar with the industry, and can be a valuable asset to a ho ...
Tags: mortgage mall, mortgages, home loans, australian home loans, mortgage broker, compare mortgages, commonwealth bank, westpac, anz
- The Australian Mortgage Industry
By: Tracey Anderson | - Copyright 2006 Tracey Anderson
There are far more players in the Australian mortgage industry than ever before. Consumers no longer have to visit multiple banks and direct lenders personally, spending valuable time trying to sort through all the financial details and make a comparison on their own. Today, the mortgage is filled with competitive players that include non-bank lenders, mortgage managers and mortgage brokers, and most notably, online mortgage sites such as Mortgagemal ...
Tags: mortgage, direct lender, mortgage broker, AFG, Aussie Home Loans, homeownership, first time buyer, best interest rates
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