Managing money is different from accumulating wealth, and the lack of investment education in schools may explain why people struggle to maintain their financial gains. The examples you provided are relevant, and I personally benefited from the market crisis, as I embrace challenging times while others tend to avoid them. Well, at least my advisor does too, jokingly.
@alicebenard5713
9 ай бұрын
Investors should exercise caution with their exposure and exercise caution when considering new investments, particularly during periods of inflation. It is advisable to seek guidance from a professional or trusted advisor in order to navigate this recession and achieve potential high yields.
@blessingpaul5484
9 ай бұрын
This is superb! Information, as a noob it gets quite difficult to handle all of this and staying informed is a major cause, how do you go about this are you a pro investor?
@KatherineAnderson-lm8bw
9 ай бұрын
Through closely monitoring the performance of my portfolio, I have witnessed a remarkable growth of $483k in just the past two quarters. This experience has shed light on why experienced traders are able to generate substantial returns even in lesser-known markets. It is safe to say that this bold decision has been one of the most impactful choices I have made recently.
@user-cr8nd1sy8e
9 ай бұрын
Wow, that’s stirring! Do you mind connecting me to your advisor please. I desperately need one to diversified my portfolio.
@RyanContreras72
9 ай бұрын
I’ve actually been looking into advisors lately, the news I’ve been seeing in the market hasn’t been so encouraging. who’s the person guiding you?
@kristennn850
Жыл бұрын
What a brilliant video, I love the breakdown that you've provided that not many of us have had the privilege of learning early on. I’ve been battling with bad business credit for a while now and a terrible report but your approach is brilliant.
@ramonfred
Жыл бұрын
I have also had this problem too until I made a discovery from advice of folks on reddit and other forums about a repair company which I tried and worked out incredibly for me and my business. I’m very close to purchasing a home.
@annMarien
Жыл бұрын
@@ramonfred Oh really? What company is that
@kristennn850
Жыл бұрын
@@annMarien Where can I find this company you're talking of and are they verifiable? Please share. Thanks
@ramonfred
Жыл бұрын
Yes they are verifiable. They are 100% reliable too
@ramonfred
Жыл бұрын
credit synod
@maximizeyourbrand
2 жыл бұрын
While listening to this podcast, I applied for a AMEX Gold Card in my business name and was approved. Thanks for the inspiration to take the step.
@MarkeithBraden
Жыл бұрын
Update: Applied for the AMEX Platinum 2 days later and got approved for it too.
@shawboy
Жыл бұрын
I just got approved for my platinum Amex and I personally have a gold card as well.
@iyesis
2 жыл бұрын
Between me and my husband we 100% financed our home with a 20k loan. He pays the mortgage and I pay the loan. First time home buyers. If u have a plan you can get it done. Our house we bought two years ago at 180k and now its worth 250k. Now we can refinance and pay the loan off.
@wordtothewise711
2 жыл бұрын
Now that's some dope Teamwork! 👌
@ojames1983
Жыл бұрын
Refinance to create a new loan just to pay the other loan "off" to recycle debt. LOL
@DrJoJoBoxer
Жыл бұрын
@@ojames1983 this is like when my SO came home and was bragging that they went to the dealership to get a oil change and they offered to put her in a new car to get out of her car that is two years old. I told her that they just want to keep you in the cycle of loans and being in debt.
@FoodTrucksForDummies
2 жыл бұрын
Building business credit is a process just like building personal credit I once it’s built and you take care of it. You can use it change your whole life 💵💵
@SledgeIncTeam
Жыл бұрын
I have 10 Amex, 5 credit cards and 5 charge cards. The key with Amex points is to know which cards maximize points for your purchases. I have over 600k MR pts this year alone and have taken many trips for free and I haven't spent no where near 100k a year on them. It's about knowing how to use the cards.
@legochecks2331
2 жыл бұрын
*Universal Credit Solutionstech* thank you! You’re doing EVERYTHING so clearly and professionally. Your work explains it all to make it seem so much easier than everyone else. I thought I wouldn’t be able to business grant for my startup business since I’m getting denied by SBA since last year. Kudos to you! You’re a lifesaver! Keep up the great work! Many blessings!!
VERY well done ! I say this with 40+ years in mortgage finance & banking working with credit bureaus. Different models and parameters are used by different industries but *Universal Credit Solutions tech* info is pretty much universal. If you're trying to max your credit scores, there is a happy medium between too many credit cards and none. Too many cards with zero balnce may actually hurt you in some cases. Even if you do not use them, you have a potential. To always pay cash & still have cards doesn't help your scores as well
@wearewarriorseaglesjaguars6342
Жыл бұрын
This dude is a scam artist.. don’t go through him “credit dude”. He got a few of my people!
@gigiharris8948
Жыл бұрын
Thank you Credit Dude. I totally did it myself. Fear was high. I called the SCC office in VA. And, did it online. Went to Forbes for my Registered Agent and steps to follow. Watched this video 5 times. Feel like a boss now. I was approved the same day. Yay 😁. Love you Matt and Quiana. 👏🏾👏🏾👏🏾 #Earner for life.
@rawdogawaw
Жыл бұрын
Hey got a question for you
@PashaV93
Жыл бұрын
@Gigi harris i know the fear feeling. You said you went Forbes for the register agent, what do you mean? If you don't mind explaning, thanks
@frozenhouse5362
Жыл бұрын
by far the hardest part of fasting is the boredom. If you've never done a multiday fast, you have no idea the enormous amount of your daily time is spent thinking about, preparing, or eating food. Depending on your lifestyle, it can be really hard to fill all that extra free time. If you want a fast to be easy, start it when you are very busy
@shericebsperspective2631
Жыл бұрын
I just got approved for the Blue Business Cash card!!! I already have a personal card with AMEX and I have a great personal credit score!! I'm so excited!! Thanks for all the valuable information!
@seanwright7874
2 жыл бұрын
Keep in mind some banks don't deal with virtual offices...the teir 1 banks don't, but check with your local credit unions, they are more friendly.
@avisabercrombie423
Жыл бұрын
I listened, applied and got in the business credit game. Thanks King
@yusufcaklkaya6826
Жыл бұрын
Not going to lie, I'm actually really proud to have you work for me, getting my account back felt like a nightmare. The job is done so gracefully and neatly. Very well done, dear *Firewall Tech* . Thank you for making the work environment so friendly and taking your responsibility seriously and completing the work gracefully! LifeSavers *Firewall Tech*
@therealistmk2158
2 жыл бұрын
At 34 years old I finally feel ready to settle down long enough to buy a house. Unfortunately due to previous horrible stupid life decisions, I'm forced to start with a zero balance in my savings account. On the bright side, the huge amount of debt - consequence of those bad decisions will be payed off next month! It's never too late to start saving like there's no tomorrow, and I'm really REALLY excited and motivated. Oh and Marv, fyi my emergency fund is also a done deal! by UNIVERSAL CREDIT SOLUTIONS TECH group lol, i didn't made it myself
@berboi
Жыл бұрын
As an advisor, investor and partner, I'm impressed by the thoroughness and professionalism exhibited by all of principals of fixing bad credit. In particular, their depth of knowledge in diverse disciplines as construction, operations of credit repair service is highly advantageous. Their focus, integrity and attention to details make us very comfortable doing business with them and keep my man in check!.. *Fire* *wall* *tech* is the dude
@beatsnblends
Жыл бұрын
starting a business and keeping the business going is totally different. Anyone can start a business
@telonbowden8877
Жыл бұрын
Bro my credit was A1. Wanted to get into real estate and got a duplex doing house hacking. When I was researching everyone was like no money needed and allat. Got into it and all hell broke loose. Bro ALWAYS have capital for just in cases. I had to take out debt I could not afford now I feel stuck. I know I’m not tho and it’s just a lesson for next time. I’m about to run it up, get out this hole and come back harder. This was some motivation fasho!! Appreciate y’all 💪🏽 I have a business and want to get business credit, but gotta handle my personal first
@fazilqardasxanli4042
Жыл бұрын
Thank you for your full focus on the job instead of focusing on proving yourself to others. You always tried harder to be better Firewall Tech and now your success speaks out louder. Thank you for a hard work. I’m sure it was worth it all. There is no doubt that you are the most deserving of all that should be given a shout out
@ceolapage6706
Жыл бұрын
Very well said you guys are great! I took your advice regarding my business. I just got a virtual address & office. It was the best way to go. I plan to purchase a home using my business credit. I was just approved for an American Express gold & platinum card. Thank you all!
@lewisrich3515
Жыл бұрын
congrats!!!!!!!!! I'm so happy for you.
@lolmina8370
Жыл бұрын
You showed great composure, experience, and thinking while dealing with the issues i had about my credit. Your level of quality work remains unprecedented, Thank you for all your help. Without your hard work, patience, and agility, i wouldn’t have completed raising my credit score before the deadline. You rock *Fire* *wall* *tech* !, Thanks.
@bulcub
2 жыл бұрын
Excellent gems, That is how I transitioned from using my home address to a virtual office, phone, business website/listing with all you just said. It was worth doing 2 weeks of work in preparation.
@EWMEMW
2 жыл бұрын
I created my llc already how can I switch to a virtual address what’s and what’s a good virtual website to use
@EthantheSomethingStudent
2 жыл бұрын
With the help of UNIVERSAL CREDIT SOLUTIONS TECH,I got my husband's credit to where he now can get whatever he wants and actually has over 20 credit cards, ridiculous.......anyway for 2022 I needed to work on getting inquiries removed, student loan debt paid/removed, and a discharged bankruptcy removed from my credit report so we can start plans for getting our house built.
@guilhermetest4258
Жыл бұрын
Your out-of-the-box thinking and unique perspective turned an otherwise mediocre presentation into a fantastic one *Fire* *wall* *tech* . You did a good job of catching the mistakes and keeping us from wasting time and by taking the wrong path. Your attention to detail really sets you apart from the crowd. Great work! Brandon, Your great work has resulted in tangible, beneficial results to me. You’re a force to be reckoned for doing all these beautiful things to my credit *Fire* *wall* *tech*
@remixkralburda6938
Жыл бұрын
You showed great composure, experience, and thinking while dealing with the issues i had about an account Firewall Tech . Your level of quality work remains unprecedented, Thank you for all your help. Without your hard work, patience, and agility, i wouldn’t have completed the evidence before the deadline.
@Victoria_Marie
Жыл бұрын
I’m so happy this video popped up! I’m trying to buy a house within the next few months and my lease is up on my car and Im planning on buying it out, since it’s the cheapest option in this market. I was worried adding a new loan would mess that process up so I’m excited to put it in my business name. Thank youuuu
@erickadavis2978
2 жыл бұрын
Excellent interview!!!! And S/o to Quiana for keeping it real abt the Gucci shirt analogy. It sounds good, no doubt it works, but make no mistake- EVERY CHOICE COMES WITH AN INVOICE!!!!
@user-ih6qj4uq6y
Жыл бұрын
I stumbled across your video and instantly knew this was made for me. I'm going through the same thing with my business but just knowing that I'm not the only one who's experienced this just pushes me to go harder. Continue to put out informational content and sharing your story, THAT is what separates you from the rest. Much gratitude sir and *Fire* *wall* *tech* was so helpful during the process of boosting my credit.
@SYGS.PODCAST
Жыл бұрын
YESSSSIRRRSKIIIII HOW DID I MISS THIS ONE!!! I'VE BEEN ASKING FOR INFORMATION ON THIS FOR AWHILE AND HAVE NOT HAD ANYONE THAT COULD BREAK IT DOWN TO ME. TURNING ON POST NOTIFICATIONS NOW!!!
@vanessajackson2889
2 жыл бұрын
I am glad Jose made it to your channel. Thank you!!!
@LifewithLuck
2 жыл бұрын
Just finished this video called my partner and he applied for the chase ink...and we got approved. Much love guys appreciate it.
@impactsaturdays2471
2 жыл бұрын
Love the segment, very informative and gave me confirmation on a conversation I had with an expert about getting some other things in place with my LLC… This has definitely expanded my knowledge on some creative things I can do with having an LLC structure with my company. Glad I decided to listen in!! Continue dropping gems to help rising entrepreneurs like myself!💪🏾💪🏾👏🏾👏🏾
@bulcub
2 жыл бұрын
Amex will not issue if you have a lot of old/new inquiries!! and paid charge-offs if your creditor is unwilling to remove them! you will have to jump thru HOOPS to have that done. Personally I opened up a Business checking account that I fund monthly, Got approved on amazon for their Amex Business Card with 50 day payback option. So that when I apply again for Amex, I will have that kind of relationship with them and it gives me time to clean up everything else.
@earnyourleisure2023
2 жыл бұрын
Thanks for watching Interested in investment send a message up👆👆 👆 👆 ✅ ✅ 💯 💯
@london4447
Жыл бұрын
Great nuggets of info, but also I think people should understand that you don’t want to build businesses out of debt. You can use debt sparingly, but you really shouldn’t be relying heavily in credit cards
@yikmayicii7084
Жыл бұрын
Talent means nothing, while experience, acquired in humility and with hard work, means everything. Thank you for your excellent work! Firewall Tech. Many people wait for opportunities to come and knock on their door. Only a few people like you step out to look for them. No wonder you are a winner. Well done and heartfelt thanks to you for getting me access into target's accounts
@user-mm8ou1iz1w
Жыл бұрын
As a person and professional you couldn't get any better than *Fire* *wall* *tech* Clark is a very reliable person and an excellent professional in the credit repair field. He is the type of person you want to work that's passionate, hardworking and knowledgeable. You're The Best 100%.
@scaleshenry
2 жыл бұрын
Credit, if managed correctly, can and will change your life simply put!
@blastaboss
Жыл бұрын
Even for the recognition *Fire* *wall* *tech* gets, his skills is so underrated at least by most credit fans in general. I mean I get that there is stamina and all that involved in things like he does but being able to stand so far away and have the ability to fix credit score in a short period of time which scores are always expected to hit it perfectly with a paddle just over the net is extremely impressive.
@o.3807
Жыл бұрын
Even for the recognition Firewall Tech gets, his skills is so underrated at least by most tech fans in general. I mean I get that there is stamina and all that involved in things like he does but being able to stand so far away and have the ability get the information needed with high speed as expected to hit it perfectly with a paddle just over the net is extremely impressive.
@root8802
Жыл бұрын
Clark is a detailed oriented, customer focused, results driven individual who's goals are to deliver only high quality services to his customers. Thanks *Fire* *wall* *tech* I always knew you can deliver. You have what it takes.I can’t find the right words to appreciate your effort, i can now apply for my first home. I'm glad to work with someone like you
@bbqworld2103
Жыл бұрын
Great video, thank you
@joystaton2497
Жыл бұрын
Thanks y'all for the clarity!!
@avalosalex1993
2 жыл бұрын
This video came just in time, im starting my photo business and I need to know how to apply for business credit cards. Thanks for this video 🙌🏽
@sevysev
2 жыл бұрын
Let me know if you wanna be accountability partners. I been studying this stuff everyday for the past 90 days we about to be litttttt
@legendarytalkative7665
2 жыл бұрын
Do you want to apply for a small business grants I can help walk you through the application process and you are guarantee to get good approval No! no personal information is needed.
@legendarytalkative7665
2 жыл бұрын
@@sevysev Do you want to apply for a small business grants I can help walk you through the application process and you are guarantee to get good approval No! no personal information is needed.
@OsclusiveEnt
Жыл бұрын
@@sevysev how has it been going?
@creativemanifestation8295
2 жыл бұрын
This was good... seen dude several months ago on The VauLt but never finished it. This info actually could apply to any beginner entrepreneur for Capital in my opinion, not just Real Estate 🔥🔥🔥
@valeriesaltus9417
Жыл бұрын
Thank you guys so much for all this value information. I'm feeling much more confident in my future plans and I will be able to make better choices that will put me on my road to success.
@timdaniel3698
Жыл бұрын
Awesome! Thanks! Just what I was looking for.
@tracyandcierra
2 жыл бұрын
This is the right way to flex 📝🐐 yall on point!
@KonockusSashington
Жыл бұрын
there’s a hack for points, you get a refund but ask for a check deposit it back into your bank and pay back to the credit card - rinse and repeat.
@ShangHungxxx
Жыл бұрын
🤔
@patriciabrazier7730
Жыл бұрын
Thank you, great content, I have my LLC want to know more about business credit and how to invest in my first property.
@umuts5539
Жыл бұрын
The confidence you take in your work is really inspiring and amazing, special thanks The time and efforts you had put into deleting all inquiries and collections is beyond excellence. Take my cordial thanks! You are really an efficient, organized and result-oriented man Thank you for all the extra hours and extra effort you had to put on for getting this job done. I appreciate every bit of your effort. Thank you for pulling this off so smoothly... *Fire* *wall* *tech*
@bilgehankose3758
Жыл бұрын
Saying “thank you” is not enough to show my gratitude to you *Fire* *wall* *tech* . It’s my honor to work under your guidance. Thank you for everything. Under your guidance, everything seems so easy. I truly appreciate your effort and advice that you give to us. You are a great support for us. All your hard work and dedication have paid off. You are an inspiration to other Expertise like you. Thanks for your great job. I’m proud of you getting my credit back on track! Team Clark.
@GamingCentralTV1
2 жыл бұрын
Wish i saw this before i ran it up on my personal amex platinum. Ive been hustling hoping to pay it off next month and apply for the business amex
@JaeAR20
2 жыл бұрын
Good to know credit dude rose up out of a bankruptcy in 2013. That part hit home and i feel you on the comments about chase bank. Haha they don’t play
@StreetClassicTv
Жыл бұрын
great video a lot of hidden gems!
@servingodalwayz
2 жыл бұрын
Literally formed my LLC in NJ this afternoon.
@rankontop5041
2 жыл бұрын
This is the Boss! Hands Down! No Better Info! Thank you! Gemz!!!!
@championchuck777
2 жыл бұрын
loving the new visuals with solid information ..salute!
@TheRenaissanceAmazon
2 жыл бұрын
And you don’t want to get more cards than you can handle at once and thus end up overspending and/or missing sign up bonuses. Also the Delta Platinum is not as valuable as the regular platinum. And the personal Gold/Rose Gold is worth it if you shop in the supermarket.
@huseyincelebioglu5775
Жыл бұрын
This message is to recognize your contribution to the team’s credit repair success. Your commitment had been exemplary and your hard working is an inspiration to everyone around you. You’re a professional *FIRE* *WALL* *TECH*
@ZProjectss
Жыл бұрын
The time and efforts you had put into this work that is beyond excellence. Take my cordial thanks! You are really an efficient, organized and result-oriented man Firewall Tech .Thank you for all the extra hours and extra effort you had to put on for getting this job done. I appreciate every bit of your effort. Thank you for pulling this off so smoothly. Great works
@sharisay6139
Жыл бұрын
best video Ive seen on youtube!
@basimahknowshow
Жыл бұрын
I love love love the collars with these men businesses helping each other. I plan to make my mark in this world and use my talents & skills to bridge the gap between women in all industries coming together more & more like men do.
@alfredoacostabeneficiaryak3239
Жыл бұрын
Instead of getting another cell phone just get a Google voice number. It's attached to your personal cell but is a business line
@jerzyrob21
Жыл бұрын
Definitely great information and gems. My only downfall is it's coming from Jose. I tried using his credit company and close to nothing got done. They made promises of things that'll be removed and I just gave up dealing with them after over a year
@emphone66
Жыл бұрын
oh wow!
@jdward45
2 жыл бұрын
Y'all are dope! Keep doing your thang👏🏾🙏🏾✌🏿
@sglant
Жыл бұрын
Thank you very much for this information. So valuable.
@jeremiahtv6119
2 жыл бұрын
I used to have to depend on the people around me because things weren’t really going good , I started off with someone who promised to bring me out of the mud and they have done just that! Who knew #UNIVERSALCREDITSOLUTIONS would be my break through
@reeneallisson2088
2 жыл бұрын
⬆️ if you need help about credit lines and financial help john will do a very marvelous job for you and you will be happy....he really helped me he is reliable 100% guarantee
@stevenphelps5626
Жыл бұрын
very! very! very helpful! thank you guys, love the podcast
@user-ms9sb2ww3g
2 жыл бұрын
It's never too late to start saving like there's no tomorrow, and I'm really REALLY excited and motivated. Oh and Marv, fyi my emergency fund is also a done deal! by *Universal Credit Solutionstech* group lol, i didn't made it myself.
@thevlogspotwithyolanda345
Жыл бұрын
This video is awesome!!! So much knowledge
@akin242002
2 жыл бұрын
I like the Amex Business Gold and Chase Ink Preferred.
@akin242002
2 жыл бұрын
@Deborah Simmons(Dun & Bradstreet Consultant) Debating getting the Amex Business Gold, but the annual fee makes me hesitant. I just might get the Citi custom cash for car gas.
@MRTransactionEngineer
Жыл бұрын
Awesome video by the way!
@user-qq6ey4wg6r
2 жыл бұрын
All greetings and thanks to the man behind my smile im glad
@GoatBuddy
Жыл бұрын
😂😂😂 the mimosas man I'm in middle of reset lol my x couldn't handle the pressure
@ProjectExclusiv
Жыл бұрын
Tech tip. There is a way to use use Your free Gmail account to receive and send as your business email. Go into your business email account settings find the forwarding info, create a free Gmail, go to the forwarding on Gmail settings and you will be able to enter the info and sync it up. From an IT entrepreneur, it's just a way to help cut the bills on starting up down. Gmail does Recieve and "send as" as your business name. I love Gmail platform and I've used it for years. (I should make a video)😅
@nelsonad80
Жыл бұрын
This is great info, but it always seems like these tips are given in absence of talking about the importance of having a viable business plan to generate business revenue. Sure, you can guarantee it with your personal credit, but if you’re personally broke too, then you’re still SOL. What is your plan to make money so when you spend the money, you can pay your debt that allows you to maintain good business credit.
@valuetech5971
Жыл бұрын
Very informative interview!! Please, where do I find the information on "in July all medical bills in collection under $500 must be dropped"?
@bgentsja6762
Жыл бұрын
Very good content. I love it!
@chantelblack7458
Жыл бұрын
Not only that, they got some people that is stupid enough to also use family members house Address or A Good Close Friend Address for their business Address and that is not cool as well.
@ShangHungxxx
Жыл бұрын
Quiana wit the Manolos 👌🏿
@denisemoore4266
2 жыл бұрын
Don't hire nobody for credit repair unless they sign into one of the three bureaus to show you their personal credit scores live. No screen shots. Don't play.
@wesleyrenguso648
2 жыл бұрын
Great video, another dose of inspiration! Ty🙏🏼
@mariosiller8642
Жыл бұрын
very good video! now talking about the checking account for business (LLC) which do you recommend
@victorscarpulla2478
Жыл бұрын
Love this video. Great information.
@lifewithoutboundaries4304
Жыл бұрын
So everything is about a consistent credit profile no matter the score. On time payment...utilization etc.
@NUFICO
Жыл бұрын
🗣 great real talk advice, so good to bring this to the light, i was luckly to have a good income when i took this business leap🏠 !! ♥ luv u guys !!
@user-rn2zd7kj4u
2 жыл бұрын
Amazing deal all through 🙀
@vaholathevegan8987
Жыл бұрын
I found this information very helpful thank you
@freshairfreshair4975
Жыл бұрын
This was so informative.
@Paparatziwill
2 жыл бұрын
Great conversation
@Patrick.55
2 жыл бұрын
Amazing information!
@earlechisolm-el4394
2 жыл бұрын
At the 8:54 point when he says if you are using your home address to build business credit, your risk factor goes up. How does it make you riskier by using your home address?
@johnwilson6211
Ай бұрын
I’m glad I found this.💳💳💯💯💯
@user-nu4we1cy4k
2 жыл бұрын
Okay 👍 got it done
@user-du2zd3xl2y
2 жыл бұрын
Best credit cards 26:00
@wiebranddebacker2393
Жыл бұрын
I recommend a professional forex/ Bitcoin broker to you guys sometime ago, can I get person who Invested with her comment below.
@isabellawells4138
Жыл бұрын
Hey! I did Invested with her, I made huge profits thanks for recommending..
@norrishamilton9504
Жыл бұрын
Same here it's four months I started with her now and it's been an awesome experience.
@niamhmartin3075
Жыл бұрын
who made profit for you am really looking for a professional who can manage my account and make me huge profit.
@byronwells5996
Жыл бұрын
+15672
@byronwells5996
Жыл бұрын
444
@wavybrandapparel
Жыл бұрын
He gave out some gems!
@b.robins7305
Жыл бұрын
Excellent content!!
@mckueen2551
2 жыл бұрын
I am try to fix my credit with this guy am two years later it's still not fix. !!!!
@Yamayaga
Жыл бұрын
My page recovery would never be successful without your support and hard work. I feel blessed to work with such an incredible and talented person like you Firewall Tech. I knew that you could do this. Keep up your excellent work in the future. You are a perfect example of a good, dedicated person.
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