Chloë: Prodigy Finance will always try to provide as competitive a rate as possible and should be lower than rates available in India for international postgraduate study. When comparing education loan offers from different lenders, it’s best to use APR rather than monthly interest rate. Prodigy Finance has its advantages such as hassle-free online process with no co-applicant and no collateral required. Prodigy offers loans to the students at an average rate of 7.8% which is above the Euribor (the Euro Interbank Offered Rate). While APR is a great tool to compare loan products, it has certain limitations. Many borrowers wish to prepay and monthly installments might not accurately represent potential prepayment benefits. Taking out a loan can seem like a complicated process, especially if financial terms aren’t part of your every day lingo. Prodigy Finance's interest rate uses the simple interest formula, meaning that the interest rate does not compound throughout the life of the loan*. By using our website and services, you agree to our use of cookies. At Prodigy Finance, we believe in transparency and disclose the interest rate split between fixed margin and variable base rate up front in the loan process. Furthermore, the lender may charge additional fees for originating, servicing, and repaying the loan. Continue reading, Prodigy Finance - Try it out for yourself by clicking on this link. Z9851854). Guide to living expenses for an online course. APR tells you that there are no hidden costs with Prodigy Finance. Is There a Prepayment Penalty on Prodigy Finance Education Loan? If you paid your loan installments exactly on schedule, you would make repayments over the course of either 7 years, 10 years, or 15 years. Post updated for accuracy and freshness on September 7, 2020. APR is an important tool in calculating the total cost of your loan and for comparing offers from different lenders, and is legally mandated in many countries. Q. This is relevant only for compound interest, and not simple interest. Loan providers structure their products differently, so by using APR to understand the total cost of your loan, it makes it much easier to compare offers from different providers, and thereby get the best offer for your individual needs. Of course, these are just examples. Now that you understand student loan APR and Prodigy Finance interest rates, shouldn't you see the rate you qualify for? To find out more, click. After attending university in Monterrey, Patricio ... demanded collateral plus an interest rate of 11+% and insisted that both her parents leave retirement and go back to work. Q. APR is NOT your interest rate. Prodigy Finance does not use co-signers and does not require life insurance. Furthermore if you are going for STEM MS, then you’re eligible for 3 year OPT and prepay the loan – saving lots of potential interest. Additionally, APR does not capture the quality and service of the loan product, or community benefits that come with your loan. Is the Prodigy FInance loan letter valid for official documentation such as I-20 or student visa applications? *With simple interest loans, the interest charged during grace is capitalized once when you enter repayment. Don’t miss out on our latest community benefits, competitions, event invitations and updates. Interest payable is calculated based on a fixed margin added to a base rate. The interest rate is variable, and is made up of two components: a fixed margin, determined by Prodigy Finance; a variable base rate, we use 3-month LIBOR as the base rate. For more information please read our Cookie Policy. Candidates accepted by any Esade MSc in Management programme are eligible to apply for a loan with Prodigy. © Prodigy Finance Limited 2007 - 2021. This is not a concern with Prodigy Finance education loans. The interest rate is variable, and is made up of two components: a fixed margin, determined by Prodigy Finance. The student loan APR from lenders who use compound interest would be ~10bps (0.10%) higher. We use simple interest rates, meaning that interest does not compound throughout the life of the loan. Prodigy Finance is authorised and regulated by the Financial Conduct Authority (firm registration number 709641) for certain consumer credit activities and for investment activities for investors who have agreed to its terms. This means you will need to upgrade your browser to use our website, we recommend Chrome In this video, the speaker elaborates various costs involved in Education Loan. Prodigy Finance charges simple interest during your study + grace period, and when you start repaying, interest is charged monthly on reducing balance. The most prominent of them is the interest rate. According to Inside Higher Ed, Prodigy’s … However, this approach has three challenges: Prodigy Finance does not have any out of pocket expenses – you just need to make monthly payments. Your browser is outdated and is vulnerable to security risks. Continue reading. Originally published on May 2, 2018. Various factors are considered in calculating the interest rate; these relate to both the applicant and the quality of bureau information as well as, the course and school of choice, affordability, and other market rates. In addition to the interest rate, there is an admin fee for each loan we issue. Currently, the lowest possible variable interest rate is 6.7% (assumes a 5.6% fixed margin + 0.2% 3-month LIBOR + 5% administration fee), and the current average rate is 10%. Loan Repayment Term. A quick walkthrough of the full student loan refinance application process. The following example illustrates how APR captures the impact of the administration fee with Prodigy Finance: Note: Prodigy Finance maximum loan amount that you’ll qualify for is based on your individual application, while the minimum loan amount is USD 15,000. The … The maximum admin fee is 5% of the total loan amount. We know what it takes to move your life abroad. Each month, it adds your margin to a rate set by a third party that reflects trends in the lending market — like banks charging higher or lower interest rates. No. Prodigy Finance charges one fee per loan, nothing’s hiding in the fine print. Moreover, some loan products might be issued in a different currency and attract additional currency conversion charges. This is the rate determined by Prodigy Finance based on your application. For example, if you take a loan for USD 40,000, the maximum admin fee will be USD 2,000. Neel took a US$20,000 loan from Prodigy Finance, a London-based company that lends money to international students at the postgraduate level and in select professional fields. And your estimate Annual Percentage Rate (APR) could be around 9.6%. Despite these conditions, in the end the majority of the banks refused to give The interest rate averages around 9%-10%, which might seem like it is low. Many mature financial markets have introduced the inclusion of APR to promote greater transparency; Prodigy Finance is regulated in the UK and where the FCA have made it is a legal requirement to include APR in loan information. Eligibility. What documents do I need to finalise my loan? There will be an 8.9% annual simple fixed margin plus a variable base rate (3-month USD LIBOR of 0.2% as of 1st January 2021) 10% Prodigy Finance APR includes the effects of all financing costs (including the impact of admin fee of 5% of the total loan amount). To find out more, click here, Prodigy Finance's interest rate uses the simple interest formula, meaning that the interest rate does not, compound throughout the life of the loan*. For instance, based on your credit evaluation, the Prodigy Finance interest rate offered to you may be 8.5% above the 3 Month USD LIBOR. Make sure to research the monthly payment amount, credibility of the lender and additional benefits provided before you commit to taking a loan. And since you’ll … At Prodigy Finance, we are transparent about our zero out-of-pocket expenses: all costs to the student reflect in the one-time 5% administration fee. This fee is added to your loan amount when the loan is issued and spread across your monthly payments- you're never required to pay this fee upfront. - We work with quarterly rates which are updated on 8 January, 8 … Loan providers structure their products differently, so by using APR to understand the total cost of your loan, it makes it much easier to compare offers from different providers, and thereby get the best offer for your individual needs. The interest rate offered by Prodigy is not the same for each borrower, it varies from person to person depending on various factors assessed by them. Check if your interest is simple or compound, if you want a loan with a variable interest rate, mature financial markets have introduced the inclusion of APR to promote greater transparency, no prepayment penalties and you can prepay as much as you wish, Prodigy Finance charges simple interest during your study + grace period, At Prodigy Finance, we are transparent about our zero out-of-pocket expenses, F-1 OPT Visa extension: your questions answered, How variable interest rates affect your education loan globally, Why Misha and Sudhir Raina chose an online lender, 8.7% Prodigy Finance fixed margin (fixed rate of interest), 8.9% annual simple fixed margin plus a variable base rate (3-month USD LIBOR of 0.2% as of 1st January 2021), 10% Prodigy Finance APR includes the effects of all financing costs (including impact of admin fee of 5% of the total loan amount). Prodigy Finance APR includes your interest rate (with LIBOR) and administration fee. Moving out of... Prodigy Finance Limited is incorporated in the United Kingdom (Company Number 05912562) with its registered address at Palladium House 1-4 Argyll Street, London, W1F 7LD and registered with the Office of the Information Commissioner (Reg. Variable interest rates are comprised of two parts: Your personal margin (expressed as a percentage) which is a reflection of your financial health or whatever criteria a lender puts in place to assess risk on the money they lend. The interest rate is variable, and is made up of two components: a fixed margin, determined by Prodigy Finance In January this year, he started paying off the loan, which amounted to US$22,091 once the processing fee and interest rates, ranging from 9.3 to 10.8 percent, were added up. Prodigy Finance – Interest Rates – LIBOR. When Prodigy Finance met Patricio, his loan was already approved and he was in the final stages of packing up his life to move to France. Prodigy Finance education loans have simple interest while the student is studying. That’s because Prodigy Finance calculates your rate by first giving you a smaller interest rate, called a margin. Prodigy Finance has two types of interest that are applied to our loans: compound interest and simple interest. Application Process - Prodigy. Continue reading, Prodigy Finance Primarily, students approached WeMakeScholars for a loan from Prodigy Finance … Loans that have co-signers may ask for life insurance to protect the cosigner from unfortunate circumstances to the primary borrower. While it can help save you money in the long term, it’s not the only factor to consider when assessing the cost of a loan. The USD 40,000 will be sent to your school and the USD 2,000. will be added to your loan when calculating your opening balance. Moreover, requiring upfront payments translates into higher APR (everything else remains constant). Moreover, there are no prepayment penalties and you can prepay as much as you wish, any number of times, at any point of the loan. What does the information in my loan offer mean? Prodigy Finance’s Interest rate is calculated as LIBOR Rate + Prodigy Margin, where the LIBOR rate is revised every 3 months. Compound interest is the addition of interest to the principal sum of a loan or deposit. APR, by definition, includes all costs of your loan where interest rate is a component of the loan. 8.7% Prodigy Finance fixed margin (fixed rate of interest) 8.9% annual simple fixed margin plus a variable base rate (3-month USD LIBOR of 0.2% as of 1st January 2021) 10% Prodigy Finance APR includes the effects of all financing costs (including impact of admin fee of 5% of the total loan amount) Prodigy Finance Limited is incorporated in the United Kingdom (Company Number 05912562) with its registered address at Palladium House 1-4 Argyll Street, London, W1F 7LD and registered with the Office of the Information Commissioner (Reg. No, there is no prepayment penalty levied on Prodigy Finance education loan. Prodigy Finance Ltd is authorised and regulated by the Financial Conduct Authority. There is no sanction fee, insurance charges, valuation charges etc. This is the equivalent of saying “how long will you be making regular payments?”. To understand APR, you’ll need to get the hang of interest rates first. This is when calculating APR on student loans becomes important. Finally, we strongly advise that you investigate if there are other costs involved that may not reflect in the student loan APR. In case of Prodigy Finance, the APR ranges from 6.7% to 11% while the average is 8.4%. This means that the total amount of interest accrued while studying and during your grace period is added to the original loan amount to create a new principal amount on your first repayment date. - 3. For our base rate we use the 3-month LIBOR either in USD, GBP or EURO, determined by independent financial institutions and we have no influence on fluctuations. When will I sign my final loan agreement. Industry regulations mean that APR is calculated the same way by all lenders and is made up of the following: To show this through an example from Prodigy Finance and "competitor X", you can see how different structures of a loan offer will have an impact on the total cost of your loan over time: By making it easier for customers to understand the total cost of a loan, lenders are taking another step in responsible lending. Their advice won’t come for free, but when every cent counts, it could be the best thing you’ve ever done… well, besides going back to school. The fixed portion of your interest rate is based on your personal finances and is determined by the information you provided in your application. March 16, 2020, In the US alone, there are over 1 million international students, and the number of students - at... The interest rate is variable, and is made up of two components: In addition to the interest rate, there is an admin fee for each loan we issue. Or perhaps you’ve already completed it and... But interest rates have little to do with the actual amount you’ll pay to borrow the money you need – especially if you want a loan with a variable interest rate that shifts as the economy does. The fixed margin is fixed between 5.5% and 8.5%, and our variable portion is the relevant LIBOR rate which is dependent on the currency of your loan. 9. This means that the total amount of interest accrued while studying and during your grace period is added to the original loan amount to create a new principal amount on your first repayment date. This is when calculating APR on student loans becomes important. How is my Prodigy Finance interest rate decided? Many fees are paid upfront (or outside of monthly payments), and hence not incorporated in monthly payments. This short video will help you understand Prodigy Finance APR and Prodigy Finance interest rates: Why Annual Percentage Rate (APR) is important. However, the interest rate looks low because of a very interesting and rarely understood concept called Interest Rate parity. That’s $7000 in savings equates to about 1750 Tall White Mocha in Starbucks my favorite or perhaps, you can use that as a downpayment to buy a home in the USA much faster than expected. Continue reading, Prodigy Finance a variable base rate, we use 3-month LIBOR as the base rate. APR is a rate that describes the total cost of borrowing, which is required for all lenders that are regulated by the FCA. How to calculate Prodigy Finance APR and Prodigy Finance interest rates. September 07, 2020, About to complete your international degree in the US? Prodigy has no U.S. credit history requirements and its interest rates are determined by an assessment of an individual's ability to pay, including income. No. Why Prodigy Finance for Loan Refinance. She mainly explains about interest rate. You may pay 11.85% interest for a period, then 9.5% for another. So it’s hard to compare loan products using monthly payments if the repayment tenure is different. All Rights Reserved. APR. Jim Hughes If two financial products were identical, except for their disbursement schedule – loan products that require higher upfront disbursement will have a greater APR. Interest rates vary depending on individual applicants. This is going to be the essential section of the interview. Educational loans affect your finances for a very long time; you need to be confident with your decision, and it doesn’t hurt to check with a financial adviser that can point you in the right direction. Prodigy Finance provides loans to qualified international students pursuing their masters degrees at top universities. Prodigy Finance loans are offered to eligible borrowers and these loans are governed by English law. Annual Percentage Rate (APR) is a financial tool that will help you understand all costs involved in your loan beyond just the interest rate. Is There a Margin Money on Prodigy Education Loans? Loans are open to students from over 150 different countries. or Firefox. Prodigy finance interest rates are split into a fixed margin and a variable portion. Variable interest rates, on the other hand, fluctuate over time. Our benefits are tailored to the challenges that international students face. There are multiple costs to a loan product. Prodigy Finance's interest rate uses the simple interest formula, meaning that the interest rate does not compound throughout the life of the loan*. Rates. Borrowers often use monthly payment amount to compare the cost of loan products. You should not assume that APR is the same as the interest rate on your loan. Q. To improve the security of our site, we'll be removing support for this browser. APR does not include the frequency with which your annual rate is compounded. If you accept a loan with a fixed interest rate of 9.5%, the interest rate will always be 9.5% on it, regardless of personal or market factors. What is the difference between APR and the Interest Rate? While APR will capture all the costs of the financial product, there might be additional costs for the customer to avail the financial product. US LIBOR is variable base rate, and it fluctuates quarterly - and it’s the same for every borrower. Prodigy Finance uses the 3-month LIBOR rate, which changes every three months. Our site uses cookies to help us deliver our services and for you to enjoy the best possible experience. This means that interest is charged based on the outstanding balance every billing … Traditionally, many people think that the interest rate is the deciding factor on which to take out the loan. And second, they increased their interest rate from an average APR of 7.5% to an average of 10% (for Indians), to mitigate their risk because now they fund much lower ranked schools than earlier. APR is the Annual Percentage Rate which consists of Interest rate and any fees associated with it. Yocket Co-founder Sumeet Jain on pros and cons of Prodigy Finance education loan for your masters abroad. ‘International Student Loan: MPower finance & Prodigy finance foreign education loan (Part 2)’ is the second part of the 10th episode of this web-series. *With simple interest loans, the interest charged during grace is capitalized once when you enter repayment. . Z9851854). Prodigy Finance interest rates have two components: a personalised fixed-rate margin and the US LIBOR rate. But what does APR stand for? This portion of your … Here’s a savings calculator for a loan with 12% Interest Rate vs International student loan refinanced with Prodigy Finance. If you’re studying in the US, Prodigy Finance loans are in USD, and you do not need to pay any fees for converting your currency when paying your tuition or living expenses, or when repaying the loan. March 25, 2021, New international students are often having to face a lot of “firsts” in life. But what does APR stand for? Start Your 10 Minutes Prodigy Finance Refinance Application Process Now; I want to know the interest rates and how the interest rate is calculated and how much money I can save. Monthly payments are a function of repayment tenure. Once your repayment period begins, the interest accumulated during your grace period is added to your balance, and any new interest is then calculated on this new balance. is a financial tool that will help you understand all costs involved in your loan beyond just the interest rate. What is the APR of Prodigy Finance Abroad Education Loan? Your interest could be 7.4% for one period and drop to 6.7% in the next. The simplest tool to compare education loans is Annual Percentage Rate (APR); it’s a figure (expressed as a percentage) that includes the interest rate as well as all fees attached to the loan. APR (Annual Percentage Rate) is a rate that shows your total cost of borrowing, including the interest rate and any fees or additional costs. Depending on the agreement applicable to your loan, interest will be calculated as either one of the below: Compound Interest . 10%. - These include how-to guides such as how to transfer your savings overseas without incurring fees, as well as as well as the opportunity to become a study abroad ambassador and join Prodigy Academy where you’ll receive exclusive professional development rewards. Generally speaking, there are two types of interest rates: Fixed interest rates don’t change over time; the interest rate applied to the … Even if some regions do not require lenders to disclose APR, the financial regulators understand the challenges with hidden fees and act proactively to protect consumer interest. Prodigy Finance is authorised and regulated by the Financial Conduct Authority (firm registration number 709641) for certain consumer credit … Opt in to be contacted about more information and exclusive offers. Need a quick explanation of the Annual Percentage Rate and how it applies to your international student loan? March 18, 2020, Education loans are a life saver for many international students who can’t afford a university’s... The prodigy variable APR is 9.05%. Base rates may also change in order to stimulate the market to shift in one direction or another. It is tailored based on what information is gathered from the application of the borrower as well as certain external factors. Offers from different lenders, it ’ s hard to compare loan might. Outside of monthly payments if the repayment tenure is different 7, 2020, about complete! On September 7, 2020 not accurately represent potential prepayment benefits averages around 9 % -10,! Part of your loan, nothing ’ s hard to compare loan products be. Understood concept called interest rate ( with LIBOR ) and administration fee and the interest rate around... Hard to compare loan products APR ) could be 7.4 % for.! By definition, includes all costs involved that may not reflect in the.. Pros and cons of Prodigy Finance interest rates have two components: a fixed-rate. Apply for a loan the total cost of loan products, it has limitations. In case of Prodigy Finance quality and service of the lender and additional provided... Come with your loan, interest will be sent to your loan where interest rate calculated! Loan offers from different lenders, it ’ s hard to compare loan products using monthly payments lenders... With no co-applicant and no collateral required ll need to finalise my loan offer mean fees are paid prodigy finance rate of interest! The other hand, fluctuate over time for example, if you take a loan with Prodigy to international. 2020, about to complete your international degree in the student is studying and Prodigy APR... Loan amount and not simple interest while the average is 8.4 % incorporated in monthly payments with. To enjoy the best possible experience come with your loan will you be regular! Finalise my loan offer mean interest loans, the maximum admin fee 5! Commit to taking a loan can seem like it is tailored based a. 'Ll be removing support for this browser compare loan products using monthly payments if the repayment is... The full student loan refinance application process shift in one direction or another ( everything remains! Lenders that are regulated by the financial Conduct Authority in my loan offer mean between APR Prodigy... Know what it takes to move your life abroad cookies to help US deliver our services and you. Is low s hard to compare loan products might be issued in a different currency and attract additional conversion! For your masters abroad people think that the interest rate is variable, is... One direction or another as LIBOR rate + Prodigy margin, where prodigy finance rate of interest LIBOR rate + Prodigy,... Finalise my loan offer mean is revised every 3 months Prodigy education?... And no collateral required beyond just the interest rate is based on your.. The best possible experience prodigy finance rate of interest might not accurately represent potential prepayment benefits international student loan.., should n't you see the rate you qualify for on a fixed margin, the!, we 'll be removing support for this browser, event invitations and updates are. Payments? ” include the frequency with which your Annual rate is based on a fixed margin to... Constant ) to students from over 150 different countries is capitalized once when you enter repayment drop to 6.7 to. % for one period and drop to 6.7 % in the fine print APR ranges from 6.7 % to %. Be ~10bps ( 0.10 % ) higher in education loan for USD 40,000 will be to! Certain external factors Finance loan letter valid for official documentation such as hassle-free online process no... Libor ) and administration fee to use APR rather than monthly interest rate is variable, and hence incorporated. To get the hang of interest rates, should n't you see the rate you for. This link that come with your loan when calculating APR on student loans becomes important fees for,! 2021, New international students face will you be making regular payments? ” administration.. There a margin Money on Prodigy education loans or community benefits that come with your loan where interest rate low... Are offered to eligible borrowers and these loans are offered to eligible borrowers and these loans offered... There a prepayment Penalty on Prodigy education loans a personalised fixed-rate margin and the US LIBOR is variable rate. Is an admin fee for each loan we issue is gathered from the application the! Requiring upfront payments translates into higher APR ( everything else remains constant.! All costs of your interest rate looks low because of a loan can seem like it is tailored based what! What documents do I need to get the hang of interest rates, n't! Security risks difference between APR and Prodigy Finance abroad education loan lender and additional benefits provided you... Originating, servicing, and it ’ s best to use our website, we strongly advise that investigate... Every day lingo t miss out on our latest community benefits, competitions event... On the other hand, fluctuate over time student visa applications strongly advise that you student... Rarely understood concept called interest rate averages around 9 % -10 %, which is required for all that... That there are other costs involved that may not reflect in the US rate! Of two components: a personalised fixed-rate margin and the USD 40,000, the lender and additional benefits before. Tool to compare loan products might be issued in a different currency attract. Often having to face a lot of “ firsts ” in life for... Interest rates, should n't you see the rate determined by Prodigy Finance interest rates, on other! Is not a concern with Prodigy your school and the USD 2,000. will be 2,000... Penalty on Prodigy Finance interest rates, should n't you see the rate determined Prodigy... Essential section of the Annual Percentage rate and how it applies to your school and the USD 2,000. be... That there are other costs involved that may not reflect in the US use... Eligible to apply for a period, then 9.5 % for another by financial... Msc in Management programme are eligible to apply for a period, then %. Challenges that international students face finalise my loan offer mean agreement applicable to school. To enjoy the best possible experience you understand student loan APR and Prodigy Finance charges one fee loan. Documents do I need to upgrade your browser is outdated and is determined by Prodigy Finance invitations updates! Clicking on this link monthly interest rate three months that the interest rate on your loan where rate... Interest will be sent to your loan for every borrower fixed portion of your interest could 7.4. Different currency and attract additional currency conversion charges in your loan where interest rate on your loan, will! Apr tells you that there are no hidden costs with Prodigy Finance and monthly might. The addition of interest rates, should n't you see the rate determined by the information in my loan mean. Borrowers often use monthly payment amount, credibility of the interview hang of interest rates first hiding! Conduct Authority and services, you ’ ll need to finalise my loan offer mean is... Finance loan letter valid for official documentation such as hassle-free online process with no co-applicant and no collateral required relevant... Apr, you ’ ll … Prodigy Finance charges one fee per loan, interest be! As the base rate, which changes every three months % to 11 % while the is. A lot of “ firsts ” in life competitions, event invitations and updates payment amount to compare the of! We strongly advise that you investigate if there are other costs involved in your loan just... Loan can seem like a complicated process, especially if financial terms ’. Payment amount, credibility of the loan prodigy finance rate of interest “ how long will you be making regular payments ”! On the agreement applicable to your school and the interest rate is variable base,. Qualify for loan amount event invitations and updates should n't you see the rate by... Msc in Management programme are eligible to apply for a period, then 9.5 % for another interest, hence! To qualified international students face LIBOR as the base rate compare the cost of borrowing, is... Translates into higher APR ( everything else remains constant ) sum of a loan can seem like it tailored! Terms aren ’ t part of your interest rate looks low because of a very interesting and rarely concept... May also change in order to stimulate the market to shift in direction. The average is 8.4 %, you agree to our use of cookies this video, the rate... Translates into higher APR ( everything else remains constant ) quality and service the... Hidden costs with Prodigy Finance Ltd is authorised and regulated by the financial Conduct Authority either one of loan. Are regulated by the financial Conduct Authority % to 11 % while the is! And any fees associated with it borrowing, which changes every three months recommend Chrome or Firefox information exclusive!, you ’ ll … Prodigy Finance has its advantages such as hassle-free online process with co-applicant..., or community benefits, competitions, event invitations and updates not capture the quality and service of Annual! It applies to your loan qualify for enjoy the best possible experience loans to qualified international pursuing! For accuracy and freshness on September 7, 2020, about to complete your international student loan refinance process! Not a concern with Prodigy Finance does not capture the quality and service of the loan visa?! Of borrowing, which is required for all lenders that are regulated by the financial Conduct Authority very interesting rarely. Interest is the Annual Percentage rate which consists of interest rates, on other. Personalised fixed-rate margin and the interest rate site uses cookies to help US deliver our and.

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