Underused Housing Tax

CRA Extension for Filing: Penalties and interest for late-filed UHT returns are waived if filed by April 30, 2024, for the 2023 year.

Applicability of UHT: Affects those who own residential real estate in Canada through a corporation, partnership, or trust, and not personally. Applies to non-Canadian citizens or non-permanent residents owning residential real estate in Canada. Requirement to File UHT Return: Mandatory for all residential property owners in Canada as of December 31, 2022, unless exempt. Due date: April 30 of the following year (e.g., April 30, 2024, for 2023). Exclusions from Filing: Canadian citizens or permanent residents owning property personally. Various entities like publicly traded Canadian corporations, registered charities, and Indigenous governing bodies. Penalties for Non-Compliance: Failure to file by April 30: Minimum penalty of $5,000 (individuals) or $10,000 (corporations), plus additional percentages of the tax payable.

November 2023 Housing Market Report

Today, we're diving into the latest trends and insights of the Toronto housing market as we move into the second half of 2023. It's been a rollercoaster of a year, and I'm here to break down what's been happening and what we might expect in the coming months.

First up, let's talk numbers. In September 2023, the average home in the Greater Toronto Area (GTA) sold for $1,119,428, which is a 3% increase from last year. Interestingly, even though we've entered a deep buyer’s market for the first time in 14 years, prices are still nudging upwards. Now, let's break it down by property type. Detached homes in the GTA are averaging at $1,440,786, showing a 5.2% year-over-year increase. Semi-detached homes aren't far behind, with a 5% increase to $1,094,074. Freehold townhouses have seen a similar trend, while condo apartments have slightly bucked the trend with a 3% annual decrease. The big news is that the GTA housing market has plunged into a deep buyer’s market. This shift is largely due to a surge in new listings and a slowdown in sales. Despite this, home prices have continued to rise, albeit at a slower pace. It's a fascinating development, and it's been a while since we've seen a market like this. In terms of regional differences, the City of Toronto is closely mirroring the GTA trends. Prices in York Region are seeing some decline, while Halton Region and Durham Region are experiencing increases. Brampton's market is showing a slight dip, whereas Mississauga is booming with an 8% monthly increase in prices. Looking forward, we're firmly in buyer’s market territory, which could mean more opportunities for those looking to buy. The average home is selling at its asking price, and we might see prices start to fall in the coming months. For the rest of 2023, we expect to see the market continue to adapt to higher borrowing costs and economic uncertainties. While home prices are still on the rise, the growth rate is moderating. And a big focus will be on affordability and potential policy changes, especially with the government's efforts to address housing needs for a growing population. That's a wrap for today's market update!

Increasing Mortgage Renewal Rates: Alternatives and Considerations

As more homeowners face higher mortgage renewal rates, some may need to consider selling their homes due to financial strain. However, experts advise exploring alternative options before resorting to a sale.

Start by evaluating your spending habits, including household maintenance, car repairs, and medical bills, to identify areas where you can cut costs. Consider diversifying income sources, such as taking on a second job or renting out a room in your home. Allocate spare cash towards your current mortgage with a lump-sum payment to manage the expected increase in monthly payments upon renewal. Seek guidance from financial advisers to determine an affordable and sustainable lifestyle. Don't assume the first offer from a lender is the best rate; shop around, as even a small interest rate difference can make a significant impact. Consider factors like mortgage amortization, fixed vs. variable rates, and finding the best rate offer. Higher mortgage rates affect both low- and high-income households, although those with higher incomes may have more options to adjust to the increased costs. Some turn to their parents for financial assistance. If all options are exhausted, selling the property may be the last resort. It's crucial to act before foreclosure and consider selling to avoid selling below market value. Consult with a licensed insolvency trustee if necessary. Remember that selling the house doesn't end your responsibilities; you'll still need to cover utility expenses and house insurance until ownership is transferred. If the house sells at a loss, you're responsible for covering the difference. After selling, homeowners may face challenges in the housing market, including higher interest rates and rising rental prices. The expectation of rates falling again may not be realistic in the near future. Anyone renewing their mortgage in the next year or two will likely feel the financial impact of higher interest rates

Bank Of Canada Seen Starting to Cut Interest Rates in April

Today, we've got some encouraging news for mortgage shoppers and current homeowners eyeing renewals. It looks like there may be a glimmer of rate relief on the horizon, and here’s what you need to know.

Last week we saw a notable drop in the 5-year Government of Canada bond yield, which has tumbled over 60 basis points from its recent peak, we're seeing predictions that fixed mortgage rates might start to descend as well. Experts suggest rates could drop 20 to 40 basis points in the coming weeks. But let's not break out the champagne just yet; these rates are more likely to saunter down rather than tumble—think of it as taking the stairs, not the elevator. Now, why are the rates potentially dipping? The economy is showing signs of a slowdown— from a drop in inflation to a pullback in consumer spending and housing activity. And let’s not forget the recent rise in unemployment. These factors are compelling markets to reevaluate their expectations, with odds now favoring a rate cut rather than a hike by the Bank of Canada, possibly sooner than previously anticipated. The talk of the town is April 2024. According to a recent survey, financial experts are expecting the Bank of Canada to initiate a reduction in the key policy rate from its 22-year apex. This expectation of rate cuts to 4.00% by the year's end is a pivot from earlier forecasts, a change that mirrors the bank’s response to a cooling inflation rate and the potential easing of our economic growth. So, what does all of this mean for you? If you're in the housing market or considering refinancing, this could be a sign of more affordable borrowing costs in the near future. It's a reminder that our economy is intertwined with global movements, and as such, rates are reactive to broader economic trends. In conclusion, the landscape is shifting, and it seems the winds may be turning in favor of potential buyers and those looking to renew their mortgages. As always, we advise staying informed and consulting with a financial advisor to make the best choices for your personal situation. Don't forget to subscribe to our channel for more updates and insights into the real estate market. Until next time, keep your investments savvy and your futures bright!

Questions You Ask A Realtor Before You Hire Them

Do Your Due Diligence:

Check Online Reviews How Many Transactions have they done Questions you must ask any realtor before you hire them. So before you even meet a realtor, you need to go online and check out their reviews. This will give you a sense of their credibility and social proof. Do they have a lot of reviews or do they have a few reviews? Are they good? Are they bad? Is this the personality? Is this the right fit for you? The second thing you need to consider when you do meet with the realtor is to find out how many transactions have they transacted in the last one year. Are they an active realtor selling 50, 100 homes a year? Or are they a part-time agent selling one or two homes? There are approximately 100,000 homes that transact in a year in the GTA. And there are approximately 50,000 realtors. So the average realtor sells two homes. Is this the type of realtor you want to work with? When you're hiring a realtor, it's important to do your due diligence and ask the right questions. Here are a few things to keep in mind: First, check online reviews. See what others have said about their experience with the realtor you're considering. Next, ask about the realtor's transactions. How many homes have they sold? What is their success rate? Finally, ask about due diligence. What does the realtor do to ensure that all the paperwork is in order and that the home is in good condition? By asking these questions, you can get a better sense of whether or not the realtor is a good fit for you.

Why Are Fewer Canadians Planning to Move Homes in 2023

In a whirlwind turn of events, Canadians were gearing up for a real estate frenzy not too long ago, but the landscape has swiftly transformed. The Bank of Canada's Survey of Consumer Expectations has revealed a surprising shift in housing plans for Q3 2023. Despite a booming population, it appears that fewer folks are now considering buying, selling, or even moving homes..

Firstly, the dream of homeownership seems to be slipping away for many. Only 12% of Canadian households are planning to buy a home within the next year, down by 1 point. This is quite unusual given the record population growth, and it's likely a reflection of sky-high prices that are putting homeownership out of reach for many. But here's the twist: recent immigrants, known as "newcomers," have shown a keen interest in buying homes, with a whopping 29% looking to do so. However, the math behind their median income doesn't quite add up for such a high percentage, suggesting a potential reality check. Meanwhile, fewer Canadians are packing up and planning to move elsewhere, with the share dropping 2 points to 19% in Q3 2023. Once again, newcomers are disproportionately represented, with 44% of them eyeing a change in residence – not surprising given their more pressing housing needs. When it comes to selling, fewer Canadians are considering it, with just 11% planning to put their homes on the market. Oddly, newcomers who already own homes are overrepresented here, with 27% planning to sell, leaving us with tantalizing questions about their motivations. The intriguing part is that consumer real estate expectations are cooling, but they tend to lag behind reality. While households might not be leading indicators, they do provide coincidental data. The market is already witnessing a surge in inventory and a decrease in buyers, to the extent that it's the most supplied it's been in over a decade. Even Canada's largest banks are surprised by this rapid shift, with at least two predicting lower home prices in the near future. It's a real estate mystery that's unfolding before our eyes, and it could have significant implications for the housing market.

Electrical Inspection 101: What Home Inspectors Really Look For

Home inspection is a critical step in the process of buying or selling a property. It is a thorough examination of a home's structural and mechanical systems, including its electrical, plumbing, heating, and cooling systems, as well as the condition of its roof, foundation, and overall structural integrity. The primary goal of a home inspection is to identify any existing issues or potential problems within the property.

During a home inspection, a trained and certified inspector will conduct a comprehensive visual assessment of the property, looking for issues that may not be immediately apparent to the untrained eye. This evaluation provides valuable information to both buyers and sellers, helping them make informed decisions about the transaction. Home inspections can uncover hidden defects, safety concerns, or needed repairs, allowing buyers to negotiate for repairs or a reduction in the purchase price. For sellers, a pre-listing inspection can help identify and address issues before listing the property, potentially streamlining the sales process./p>

2023 Commercial Real Estate Challenges in the GTA

This year, the commercial office market faced formidable challenges stemming from a combination of rising interest rates and persistent economic uncertainty. Now, the impact was particularly evident in the Greater Toronto Area (GTA), where commercial investment activity experienced a significant decline during the second quarter of the year, plummeting by 27%. Perhaps facing the most substantial challenges, the office market experienced a staggering 61% decrease in transactions between 2022 and 2023. This decline was primarily attributed to the reluctance of many employees wanting to return to physical office spaces, even as their companies encouraged it. The result was a significant surplus of unoccupied office spaces available for rent. Interestingly, despite these hurdles, the industrial sector, encompassing properties like factories and warehouses, managed to perform relatively well. Investors showed a keen interest in industrial properties, largely because they provided stable returns. Looking ahead, it's anticipated that the commercial real estate market will continue to grapple with these challenges throughout the remainder of 2023..

Essential Tasks to Get Your Home Ready For Fall

As the cozy autumn season approaches, it's the perfect time to give your home a little TLC to ensure it's warm, safe, and ready for the cooler months ahead! From cleaning gutters to inspecting heating systems, here are five simple tasks to prep your home for fall. Clean Gutters and Downspouts: After the leaves have fallen, clean out your gutters and downspouts to prevent any clogging. This ensures that rainwater can flow freely and helps to avoid ice dams in winter. Seal Gaps and Leaks: Find and seal gaps and leaks around windows and doors with weatherstripping and caulk. This will help keep your home warm and reduce energy costs. Prune and Trim Landscape: Prune back trees and shrubs that are close to your home. Trim any branches hanging over your roof to avoid any damage during fall storms. Also, rake and remove fallen leaves from your yard to prevent slippery conditions and to maintain a tidy outdoor space. Install Smoke and Carbon Monoxide Detectors: If you haven't already, install smoke and carbon monoxide detectors in your home. Fall is a good time to check and replace batteries in existing detectors as you'll likely start using heating appliances that could potentially cause a fire or release harmful gases. By following these tips, you'll ensure your home is cozy, safe, and ready for the lovely autumn season! Who you work with matters.

Challenges in Canada's Rental Market

Across the nation, rents are climbing, creating a challenging environment for many. On average, rent prices have increased by 8.8% year over year. However, in some cities, the situation is even more staggering with increases as high as 29% for one-bedroom apartments. It's a squeeze particularly felt by students and new immigrants, who are already balancing life's challenges on limited budgets. 

Several elements contribute to this issue. Population growth outpacing available housing, an influx of immigrants, and hesitant potential homebuyers stymied by high interest rates—each of these are pieces of our complex puzzle. These factors create a cycle where demand heavily outweighs supply, leaving both renters and property owners in a tight spot. Now, government bodies have promised solutions, such as new housing projects, but these measures are often slow to materialize. Just like solving a complex puzzle requires a clear strategy, so does addressing the multifaceted issues of the rental market. As always, who you work with matters.

August 2023 Housing Market Report

If you're keeping an eye on the Toronto housing market, you've probably noticed some changes lately. Rising interest rates have made borrowing more expensive, and you might be wondering what this means for you. Don't worry, you're not alone! A lot of people are questioning whether now is the right time to jump into the market or hold off for a bit.

August's numbers show that home sales have dipped slightly compared to last year. But here's a silver lining: new listings increased by over 16%! That means if you're a buyer, you've got more options to explore. At the same time, if you're a seller, don't rush into lowering your price. Some sellers are holding firm and still finding buyers. Curious about prices? The average selling price has stayed pretty much the same compared to last year, hovering around $1,082,496. While some are hesitating due to increasing borrowing costs, others see this as a chance to negotiate a better deal. Either way, it's a fascinating time to be part of Toronto's dynamic housing scene! But what about the future? Immigration rates are hitting record highs, and this is expected to keep the demand for both rental and ownership strong. However, government policy hasn't quite caught up with this population growth. You might be wondering, "Will there be enough houses for everyone?" The truth is, unless more homes become available, we could face challenges that affect affordability and even our competitiveness on a global level. What can you do about it? If you're a first-time homebuyer, keep an eye out for potential changes to the municipal land transfer tax rebate, especially with Toronto considering raising taxes on properties over $3 million. This could bring some relief to young buyers like you! So, whether you're buying or selling, the current market offers both challenges and opportunities. Stay informed, stay engaged, and remember: who you work with matters.

Pros and Cons of Selling Your Property with a Tenant in Place

 So. you're thinking of selling your investment property with the tenant in place? You're navigating a sea of emotions from excitement to caution? Well, let's break this down together.

 
 First, the pros. Now, selling with a tenant means you keep getting rent until the closing day putting money in your pocket. Buyers are also seeing this as an instant return on investment making your property a hot ticket. You actually feel relieved knowing that you're offering more than just a house, you're offering a full package deal. 1. Easy Transition. So, no need to stage the home it's already lived in and welcoming. 2. Appeal to Investors. Investors are often thrilled to find a ready to go income producing asset. And now, the cons. Selling to a more limited pool of buyer - landlords could stir some worry. There are roughly about 10% investors right now in the market versus 90% buyers who are looking to move into the home and occupy themselves. Okay, another con would be coordinating showings with the tenant. This also adds complexity. And let's dig a little deeper. Okay, so, there are 1. Lease Limitations. existing terms could be a drawback making new buyers field boxed in. 2. Wear and Tear. Also, if you're looking at sprucing up the home, it may be difficult with the tenant in place. 3. Legal Complications. Tenant rights can be a complicated part of the sale. This may cause buyers to hesitate and possibly back out. In conclusion, time is up the essence and great opportunities don't wait. Weigh these pros and cons carefully, speak with a professional who can guide you and help you accomplish your goals. Who you work with matters.

Home Improvements You Should Consider Before Listing Your Home

 The repairs or improvements that you may need to make before listing your home depend on the condition of your home and of course, the local real estate market. Now, in general, it's a good idea to make sure that your home is in good condition and is appealing to potential buyers. Now, here are some common repairs and improvements that sellers may consider before listing their home.

 
 1. Fix any obvious problems. Address any major issues that may deter potential buyers such as a leaky roof, a broken HVAC system, or outdated electrical wiring. 2. Paint. A fresh coat of paint can give your home a new and refreshed look and look well maintained. 3. Clean and declutter. A clean and clutter free home is more attractive to potential buyers. Consider hiring a professional cleaner and removing any excess furniture or personal items. 4. Update the kitchen and the bathrooms. These are the areas of the home that buyers tend to focus on the most. And consider updating cabinets, countertops, and fixtures. 5. Enhance the curb appeal. The exterior of your home is the first thing that potential buyers see. So, make sure it looks appealing. Consider painting the front door, putting in some flowers, making the yard well presented. 6. Replace outdated features. So, if your home has updated features such as shag carpets, or popcorn ceiling, consider replacing them with more modern options. 7. Stage your home. Staging your home can help potential buyers envision themselves living there. Consider hiring a professional stager or using online resources to stage it yourself. That's it for now, who you work with matters.

Tips on Maintaining Your Waterfront Home

 Today, I want to share some essential tips for maintaining your waterfront home. Let's dive right in.

 
 First, protect against the elements. Living by the water means dealing with salt water and harsh weather conditions. Regularly inspect and clean your home's exterior including windows, siding, and roofing to prevent damage and maintain its integrity. Next, seal it up. Whether it's your deck, patio, or any wooden structures, make sure to apply a high quality sealant to protect against moisture and prevent rot. This will extend its lifespan and keep them looking at their best. Don't forget about the sea wall. If your property has one. Regular inspection, look for cracks and erosion. Address any issues promptly and consider reinforcing it if necessary. This will help protect your property from waves and tides. Keep those gutters clean. Waterfront properties are prone to debris build up so you regularly clean your gutters and downspots, you need to do that. This will prevent water damage and ensure proper drainage around your home. And lastly, maintain your landscaping wisely. Choose plants that can withstand saltwater exposure and consider creating a buffer zone with native vegetation to protect your property.Regularly trim trees and bushes to prevent damage during storms, and there you have it.

July Market Update

July saw a modest rise in home sales, listings, and prices compared to the same period last year in the city's real estate market. However, signs of deceleration are evident as the impact of increasing interest rates begins to ripple through the market.

Specifically, the real estate market achieved 5,250 sales last month, marking a 7.8% increase from July 2022. Paul Baron, the board's president, interprets this upturn as an indication that households are adapting to the elevated borrowing costs. This adaptation is a response to the Bank of Canada's initiative to curb stubbornly persistent inflation through a series of interest rate hikes. However, despite this seemingly positive trend, the data suggests a slowdown in sales momentum. July became the second consecutive month witnessing a decline in sales, registering nearly 30% down from June and a substantial 42% decrease from May. A quick succession of interest rate hikes last year initially led to an uptake in market activity, but further increases and ongoing high inflation have resulted in market jitters. The new market conditions have prompted many potential buyers to pause their search, waiting for anticipated price decreases or more favorable mortgage rates. Similarly, sellers are hesitating to list their properties as the fervent bidding wars characteristic of the early COVID-19 pandemic period have cooled, indicating a significant shift in buyer sentiment. The average selling price in July increased by 4.2% from the previous year, standing at $1,118,374. But, in a noteworthy turn, prices have started to trend lower from June on a seasonally adjusted basis, showing a 0.7% decline. This July price decrease is the first of its kind since February. Overall, 2023 appears to be a year of complexity and uncertainty for the Toronto real estate market, dominated by fluctuations in interest rates, inconsistent buyer demand, and an economy striving for stability. All of this paints a complex picture for both buyers and sellers in Toronto's real estate market, setting the stage for a very interesting year ahead.

How To Make Money As An Airbnb Landlord

If you're considering becoming an Airbnb landlord, there are several strategies you can employ to maximize your earning potential. Here's a guide on how to make money as an Airbnb landlord:

First, optimize your listing. Take high-quality photos that showcase the unique features of your property and write a compelling description. Set competitive but profitable prices by researching similar listings in your area. Next, focus on guest experience. Providing exceptional hospitality can lead to positive reviews and repeat bookings. Ensure your property is clean, well-maintained, and equipped with necessary amenities. Promptly respond to guest inquiries and provide clear and detailed instructions for check-in and check-out. Consider offering extra services or amenities that can attract guests and justify higher rates. This could include providing bicycles, offering a welcome basket with local goodies, or partnering with local businesses to offer discounts to your guests. Maximize occupancy by managing your calendar effectively. Set minimum stay requirements during peak seasons to attract longer bookings. Consider adjusting your pricing based on demand and seasonality. To stand out among the competition, consider enhancing your property's appeal. Invest in minor upgrades, such as fresh paint, stylish decor, or comfortable furnishings. Highlight unique features of your property, such as a garden, rooftop terrace, or stunning views. Consider enlisting the help of a co-host or property management service to handle day-to-day tasks like guest communication, cleaning, and maintenance. This can free up your time and ensure a smooth operation. Lastly, understand and comply with local regulations and tax requirements. Ensure you have any necessary permits or licenses to legally operate your Airbnb. Keep accurate records of your rental income and expenses for tax purposes. By following these strategies, providing excellent guest experiences, and maintaining your property's appeal, you can increase your chances of making money as an Airbnb landlord. Stay informed, adapt to market trends, and continuously improve your hosting skills to stay ahead in the competitive short-term rental market.

Cottage Market Prices

Factors such as location and property type can significantly influence housing markets, and the cottage real estate market is no exception. This year, the cottage season is off to a slow start, and buyers and sellers should be aware of the changing market dynamics. Recent interest rate hikes have impacted the demand for cottage properties, resulting in a decrease in buyer activity.
 Experts predict a modest 4.5% price decrease compared to last year, indicating potential opportunities for buyers in the coming months. However, it's important to note that prices in the cottage market can vary based on location and property characteristics.
 Buyers are now prioritizing their primary residences over seeking additional weekend or summer getaway homes. They are carefully considering ongoing maintenance costs and even the higher gas expenses associated with reaching the cottage. This shift in buyer behavior has created a cautious atmosphere in the market.
 On the seller side, individuals are closely monitoring the market to maximize their profits. While there may be reduced demand, the allure of cottage living remains strong. Sellers are strategizing to attract potential buyers and make the most of their properties.
 Understanding these market dynamics is crucial for anyone interested in the cottage real estate market. Whether you're a buyer looking for a weekend getaway or a seller seeking to make a successful transaction, being aware of the changing trends and pricing expectations will help you navigate this shifting landscape.
 In summary, the cottage market is influenced by various factors, and this year has seen a slow start with anticipated price decreases. Buyers are prioritizing their primary residences, considering financial factors, while sellers are adapting their strategies to maximize their profits. Stay informed and make informed decisions in this evolving cottage market. 

Mid July Housing Market Report

Home sales and the average selling price in the GTA remained above last year's levels in June 2023. However, sales dipped on a month-over-month basis, possibly due to uncertainty surrounding the Bank of Canada's outlook on inflation and interest rates. A lack of inventory also played a role, making it challenging for some buyers to find suitable homes."

"GTA REALTORS® reported a 16.5% increase in sales compared to June 2022, while listings decreased by 3%. This resulted in a 3.2% rise in the average selling price to $1,182,120. On a year-over-year basis, the MLS® Home Price Index (HPI) Composite benchmark experienced a 1.9% decline, the lowest decline rate in 2023. However, on a month-over-month basis, both the average price and MLS® HPI Composite benchmark showed an increase." Below you will find a link to all the detailed data broken down by city. "In addition, sales declined in June while new listings reached their highest level in a year. This coincided with the Bank of Canada's decision to raise interest rates, which may have impacted the market. Further interest rate hikes and inflation could potentially put downward pressure on prices." "On the positive side, this could create opportunities for prospective homebuyers, as the market may shift towards a 'buyers' market' with more housing supply than demand. However, it's important to note that the market remains relatively stable, with uncertainties still present for the upcoming fall season." "Factors such as higher borrowing costs and a lack of inventory have influenced market sentiment. The Bank of Canada's ability to raise interest rates further may be limited, and a necessary slowdown may occur, resulting in lower inflation and possibly decreased interest rates." "In conclusion, the GTA real estate market showed resilience with sales and average prices above last year's levels. However, recent trends indicate some cooling, with sales declining and new listings increasing. Uncertainties surrounding interest rates and the availability of homes are key factors to watch. Stay informed, and if you have any questions about the market, feel free to reach out. Thank you for your attention.

Bank of Canada Raise Interest Rates This Week

The Bank of Canada is likely to raise interest rates this week. Why? Due to strong economic growth, a tight job market, and persistent inflation. Despite some recent signs of a slowdown, such as lower inflation and a modest jobs report, the market expects another rate hike. The housing market has also shown improvement, even with previous rate increases. In June, Canada added more jobs than anticipated. While inflation is lower than last year, the core inflation rates remain somewhat stable. The goal of the central bank is to bring down costs without harming the economy.

Significant Growth of Rental Prices in the GTA

Welcome to the insightful update on the "Significant Growth of Rental Prices in the GTA”. In this brief introduction, we will explore the notable and upward trend in the rental market across the GTA. Over recent years, the demand for rental properties has experienced a substantial surge, transforming the real estate landscape. From urban centers to suburban areas, Canadians are increasingly opting for the flexibility and convenience offered by rental accommodations. Join us as we discuss the factors driving this remarkable growth, the evolving rental market dynamics, and the impact on both tenants and landlords. Discover the latest developments and trends shaping the rental sector, reflecting the changing preferences and lifestyle choices of people within the GTA.

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