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1461  Economy / Economics / Re: Saving one third what you earn monthly is not that hard, isn't it ? on: January 01, 2023, 08:59:24 PM
If you are in twenties or early thirties and remain single, earn $3,000 after tax per month, you will probably save $1,000 if you, let's say, spend $500 to $800 on rental, a guest bedroom in a shared house/apartment, $500 on food, $50  on utilities, $150 on phone/internet bills, $400 on commuting costs or gas/maintainance if you have a used car, $200 on occasional entertainment or others. This $1,000 savings will allow you to invest or place a house down payment when time is ripe. Is this possible based on where you live ?
Well just like you have explained it, this is for a bachelor that doesn't have may responsibility either from family or girlfriend. This is possible if the person does not have a girlfriend or family responsibility. When I was a younger I could make better savings while spending less funds on food and shelter. This is easy to achieve although it all depends on the location and the lifestyle of the person involved. Since there is no external responsibility attached then this is very possible to save even more than this or lesser.

Not really, I am a married person with children, but with an income of 3k$, I can still say that I can still save a huge amount, and I can still save 1k$/month. I think depending on the area you live in, like my area, an income of 3k $ is a huge income, this is an income not many people can achieve. In my area the average worker's salary is $500 and with this income they can feed at least 2 people. So if a person has an income of 3k dollars, they can save and get more done.

Yeah, depends from a cost of living in your location, you can save a huge amount of money if you have that kind of salary. The fact that you can support your family needs as well with your personal needs, the other portions of your money can be saved or can be invested to grow more. But, if you are just a minimum wager the chance of saving is really tough, maximizing all your generated income and trying to minimize everything for the sake of saving some little portions of your monthly salary, most of the time it's just by chance that minimum earners can save up.
Depends on how much you do earn because you cant really make out savings if you do earn which is only sufficient on your daily living needs which you wont really be having the chance on saving up just because  you

do only earn ample amount just enough for you to survive this is why you should really be mindful on how to make out some budget plus trying out to make or find for another source of income which it could possibly
make you things to save up for later.It might sound so simple but this is something that you cant really just do because there are things in life which is really something inevitable.
Some people are really just good on criticizing other peoples actions without minding that it isnt really that very easy to do so.
1462  Economy / Gambling discussion / Re: Cashless Gambling, your thought? on: December 30, 2022, 11:24:27 PM

So what do you think about this cashless gambling, is this another breakthrough of the gambling industry or just a way of the government to track their citizen and earn from the gambling establishment.
They are just taking another step just for them to filter out thoroughly for these establishments wont be able to bypass or skip out on paying taxes or simply those obligation.I would rather say that this would really be a

desperate move if ever they would be implementing out that cashless gambling or simply trying out to link up all of your bank accounts and credit cards with this.Of course we do know that everything could be checked and could be seen.There's no way you could really hid yourself on this kind of system and this is where crypto gambling would really be more relevant or would be in demand because
not all gamblers would really be that accepting this kind of terms.
1463  Economy / Trading Discussion / Re: Tutored or you learned how to trade? on: December 30, 2022, 10:36:30 PM
Whether you are tutored or self-taught, you will lose in your first trade, if not in the subsequent trades, because trading isn't trading if you aren't losing. I think we started mostly by self-learning, like the basics, but before that, there was really someone who guided us on where to start our trading journey. I learned the basics of trading on my own, but when I already started to formulate my strategy, I mostly sought help from others or saw their strategy so that I could tweak it.
This is true and indeed reality, there's no way you could really avoid that because everything or anyone do start on being a noob on which it would really be just normal that you would really be committing out those mistakes which is really very that normal.Doesnt matter on what method or path you do able to make yourself able to make trading because what matter most is on how you do make out yourself
to be sustainable and something you do able to learn up along the way.There's several methods or ways but it would really be still up to you on how you would gonna
handle things up.
1464  Economy / Gambling discussion / Re: Responsible gambling on: December 30, 2022, 09:59:08 PM
Until now I have never used this because I personally have a principle that if I don't cross my limits then it will be fine.
I always limit spending on gambling every month and when my budget in one month runs out in gambling then I will wait for the next month so as long as I don't limit it I don't think I need to use this feature.
Stick to this and you wont really be finding out yourself into great financial problem considering that gambling could really mess up your finances if you arent really that careful when it comes to your spending.

Gambling should really be for fun and not something that you do deal up just because you do expect something from it or simply making it as a source of income.
If you do have this kind of mindset then you are just basically making things a lot worst. Be responsible and dont make out unnecessary decisions which would cause
up some problems later on.
This is what sometimes goes wrong because indeed the majority think this is a source of income so they become more obsessed with gambling even though this actually plunges them.
In other respects, we really can't blame it either because this really depends on how everyone's perspective is, but indeed managing financial conditions in gambling I think it's also important so even if we gamble, but when we can manage it I think we won't come out from the track because indeed we have taken into account all conditions without using emotion and greed.
Making it a source of income is really totally a suicide thing to be done by someone yet it cant really be just possible that you would really be making this as your main source but rather this is just purely for entertainment

purposes nothingless.There are really just people who cant really be able to determine or make out difference in between which is right and which is wrong.Be responsible with your actions most of the time
because it would really cost you that much or would really be able to sacrifice things if you do make out bad decisions in life not just on gambling.
Gambling is for fun and dont go beyond over those limits when it comes to finances because it would really be a total disaster if you do.
1465  Economy / Economics / Re: What was your lowest point financially? How did you go through it ? on: December 30, 2022, 08:39:42 PM
Mine was when my laptop got broken and I have no money to replace it. I lost my online job and lost all my sources of income. I do 't have enough savings to buy a new laptop so I tried looking for an office job back then. I got hired but I had a hard time sustaining the necessities of my family. It's a good thing that someone lent me money to purchase a new laptop and was able to look for a better job online again. There will be unexpected problems that could come our way and that will be the time that we might think that life will be over for us, but looking back, you'll realize that good thing could still happen in the end.
I do have the same situation but this isnt my worst one, lets stick into that breaking on your own device whether it would be mobile phone or PC on which you are really that making income via with these gadgets

but ends up on being broken.This is where it do sets out on how important on making up some savings on which you could easily make out some replacement if ever these things get broken.
I do understand that we do have some other priorities but it cant really be just that you do let easily on trying out to miss on saving up at least.
You would be cutting your source of income and everything would be over if you do totally lost it.So its sensible for you to save up.
1466  Economy / Gambling discussion / Re: Responsible gambling on: December 30, 2022, 08:05:21 PM
To know how to limit your gambling activity by yourself and to know your own limits is the ideal, but not everyone is at this emotional and mental stage yet, so they need third party tools in order to help them keep their impulses under control.

I have to agree with this.

Others think that a self-exclusion program is not really needed but they didn't really know and understand the feeling of being close to becoming addicted. These persons where level of addiction is now being noticed really need some help to at least, try to take the momentum back to themselves.

If others think that self-exclusion is not necessary, be thankful as that proves that you are still in yourself and far from falling into a gambling trap.

Gamblers always make themselves instant earning with gambling and not time playing gambling is the solution to earn a profit, and of course those days we lose a lot at the same time, and some of them see gambling not as entertainment instead they urge to earn money and draw money back because of the greediness, and ideal with those is the revenge gameplay which ignores the number of money they have a continuously playing without hesitation with the budget and neglect the total number of losses if you are a gambler with the discipline, of course, you have a plan how much and until where is your limit in playing because too much gambling makes you burn out and makes a mistake toward decision making.

Chasing our losses and always targeting huge winnings are the reason why gamblers fall for gambling addiction. Some of them don't even mind the losses and will just face the problem regarding it later on. For me, a responsible gambler should have enough self-discipline to control his decisions and make the right move when betting. There should be allocated funds for gambling and a gambler should know when to stop especially if he already consumed all his funds on it.
Chasing losses most of the time and you are trying out to chase for a win or even trying to make break even and this is what makes a person to be that desperate or actions that had been made if you arent really that

good on handling yourself or having that control which you would really be ending up into this scenario or situation.When you do gamble then you should set out those limits when it comes to your funding or capital.If you do see that it is all busted then dont tend to add up even more with those loses and would be calling it a day but of course you should really limit yourself on doing gambling because sooner or later you would
be finding yourself into a huge debt until you do realize that things are already that worst or totally messed up.
1467  Economy / Gambling discussion / Re: Responsible gambling on: December 29, 2022, 11:23:30 PM
Until now I have never used this because I personally have a principle that if I don't cross my limits then it will be fine.
I always limit spending on gambling every month and when my budget in one month runs out in gambling then I will wait for the next month so as long as I don't limit it I don't think I need to use this feature.
Stick to this and you wont really be finding out yourself into great financial problem considering that gambling could really mess up your finances if you arent really that careful when it comes to your spending.

Gambling should really be for fun and not something that you do deal up just because you do expect something from it or simply making it as a source of income.
If you do have this kind of mindset then you are just basically making things a lot worst. Be responsible and dont make out unnecessary decisions which would cause
up some problems later on.
1468  Economy / Speculation / Re: Bitcoin survived the Christmas market pressure on: December 29, 2022, 10:12:42 PM
Most at times its very hard to truly predicts about the bitcoin price movement, basically people wouldn't like to sell at this period of time rather wanting to hold their bitcoin despite the pressure and the past occurrences yet it doesn't went below $13k although this bear market was so unbearable compared to 2017 bear market and therefore, from most of thread i have read so far there is no bull coming soon rather many speculation was pointing at after the 4 years bitcoin circle (which is after the bitcoin halving) then we would experience bull market.
This period of bear market became almost unbearable when the unfortunate FTX and Luna scam happened and sent the market into a red mood for this long, the year 2022 is nothing to be compared to 2017 because most events that happen in both years a widely different.

Because apart from the altcoin projects crash in 2017 there were no cases of exchange hacks or scams as we hard this year.

But this also may have put bitcoin on a downtrend price for so long but we can't drop any lower that we're we are now.
We dont have any choice but to bare it up even its really that hard because lots of these negative incidents did really make a huge toll on this crypto market where everything is really crashing into the floor.

Thing here is that Bitcoins price do able to held up on a particular point which it did really make out such strong support despite of these situations. Christmas or holiday season on where
people do make out some assumptions that it might dropped even more due to some sell off but it turns out that there's nothing happen or just like an ordinary day.
Doesnt matter on what condition we are in yet considering that his had been part of the risk.
1469  Economy / Trading Discussion / Re: Holding could be better on: December 29, 2022, 08:18:10 PM

My advice to traders that are losing is to still continue to trade, but using just 20% while 80% should go into holding. What do you people think about this? Out of 100% fund, what percentage can you advice a trader to use?
This is actually subjective because each trader does have its own preference on how many percentage that they would really be that using into their trading or their stashes.
Doesnt matter if its 20% or more or less, its your money and just let them decide on whatever things that they would really be doing. Its true that its better to hold but we know that
there are people who doesnt really like to wait up longer or more years and if we do compare out the profits for someone who do actively trade than into those holders
then it would be much but of course it would really be having that risks.This is why it would really be depending whether you could bare up the risk or not.
1470  Economy / Gambling discussion / Re: [BOXING] Manny Pacquiao vs. DK Yoo on: December 29, 2022, 07:51:37 PM
Just like the rest been saying that this had become the trend but i do see some headline in this regards.

Floyd Mayweather responds to exhibition fights criticism: 'Currency over legacy'
https://www.marca.com/en/boxing/2022/11/16/63754f72e2704e2a5c8b45a3.html

So this basically for the money but you cant really avoid for boxing fans to have those criticisms which
i do partly agree with those sentiments. It is really becoming the trend now.

I agree with Floyd Mayweather Jr.. Why his critics care if he wants to participate in a few exhibition matches? If they don't like these matches, then no one is forcing them to watch. And what is wrong if he cares about money? Afterall, boxing is just like any other profession. Who will participate in matches for free? The career is quite short and athletes need to earn money that will assure a comfortable retired life for them. I have a feeling that these critics are just jealous about people like Floyd being able to bring in so much money.
This is actually true, its not really that surprising nor shocking that making money is really part of the game and any sports out there which it would be normal that someone would be aiming to have more income whether

it would be on an official match or exhibition ones which it doesnt really matter.Its true that they might really be that jealous just because Mayweather is really just making huge money out of these fights
despite of being a retired boxer.It is really true that if people doesnt really like to watch then dont watch, no one forces them to do so but still there are people who do loves
to see and witness these fights and thats where money do comes in and same goes into other exhibition fights as well.
1471  Bitcoin / Bitcoin Discussion / Re: Saving: If not Bitcoin Wallet then House for Fiat. on: December 28, 2022, 11:25:43 PM
Totally risky i would say on keeping your huge pile of fiat on your own home.Yes, there are things which we cant really avoid on using up Banks but when it comes to security then you cant just deny that Banks arent

that safe but rather its the opposite.I dont know on what you do mean about getting decrease or making out those deductions on your balance. Maybe you do have some loan and just have that auto-debit?
Banks could really get some issue if ever they would really be gradually getting some funds without knowing on where those funds even on small amounts do go.
If that happens totally or generally then lots of people would be pulling off their funds on the bank but we are actually seeing the opposite atm.
1472  Economy / Gambling discussion / Re: [BOXING] Manny Pacquiao vs. DK Yoo on: December 28, 2022, 10:24:11 PM

I think Mayweather alone had 3 fruitful exhibition fights this year alone, I don't know why he's still a hotshot tho and still marketable for the most organizers as he's been going back-and-forth in Japan and Dubai. Anyway, as said, more and more exhibition fights are being held annually and some people are more inclined to see these type of bouts because it's their chance too to see their idols once again especially after Manny Pacquiao's return in the ring.
Just like the rest been saying that this had become the trend but i do see some headline in this regards.

Floyd Mayweather responds to exhibition fights criticism: 'Currency over legacy'
https://www.marca.com/en/boxing/2022/11/16/63754f72e2704e2a5c8b45a3.html

So this basically for the money but you cant really avoid for boxing fans to have those criticisms which
i do partly agree with those sentiments. It is really becoming the trend now.
1473  Economy / Economics / Re: Are you ready to spend crypto when market is down on: December 28, 2022, 09:09:49 PM
I am already spending a good amount every day on servers and other stuff, I mean rendering alone is taking about 8 bucks per day and that is fully paid in crypto as well thankfully. I wasn't planning on this to be fair, but why does it matter to me anyway because it could be money in the bank that I spend and keep my coins but if not then I will spend bitcoins and then money in the bank goes to binance and turned into bitcoin, the end result is the same, I am using the product and I am paying in crypto and I am making a profit from it as well.

Not a lot of people have this chance of course and that is why I hope that more and more places are willing to accept crypto payments to make it work.
If you are spending your crypto actively but on those things which do generates income then you wont really be that too mindful on how much you do spending overall and its true that there's no differences on saving it

up because we would be still ending up on making conversions in between fiat or crypto specially on the time that we are in need thats why it isnt really that a bothersome nor an issue if you do
spend up a some part of your crypto holdings on something we do see for it to be relevant specially when we do make out some money on that particular thing.
Doesnt matter if the market is really having that bearish moment or not.
1474  Economy / Gambling discussion / Re: What are the motives that drive you to gamble? on: December 28, 2022, 08:49:29 PM
I do not know about you guys, but I gamble because I like it and because it is a hobby as well as an addiction. I'm good with myself, as I already admitted to having an addiction but tried to find and apply techniques to avoid getting off track and spending all of my money on gambling. It's quite easy for me to control my gambling anxiety as I already follow strict rules that help me stay on the line.


What about you guys? Do you have any addiction to gambling? What drives you to gamble? Is it the long shot of having a big profit coming in or is gambling simply a way of spending time for you?
I do always put up into my mind that gambling is for fun, i dont anticipate nor make myself that expecting too much about winning because this would really drive me on getting desperate which is really something a bad

behavior or something not recommendable when you are dealing with this kind of activity.Just play like normal or just act out that this is an activity on relieving out your stress but we cant
deny that losing money is more stressful thing and this is why its important that you should really set out that kind of mindset that gambling is pertaining on losing in the end.
This is its important that you should make yourself that realize that winning is just a bonus if ever you are really that lucky enough.
1475  Economy / Trading Discussion / Re: So many good news but Market and coins don't go up on: December 28, 2022, 08:30:15 PM
People are still having some doubts. It's the bear market time. Even you tell someone today that BTC will pump 10x tomorrow, no one will believe you. This is just not the right time my man. You need to have patience. Next bull run will give BTC it's new All Time High that's for sure. This is the reason everyone is saying that HODL. BTC is for long term investment. But now the market is all messed up.
this is simply not the time to pump. but this is the time for anyone who loves Bitcoin to stock up on their portfolio. we don't think Bitcoin for short with short pumps. but we'll expect a long bull season in the future. Bitcoin has shown us some pump power over the years. all does not happen continuously and makes the market always happy. we have to come up with a good plan.
But, we also don't know the duration of each bear market. There is also a chance that the price will rose hard suddenly and then the media will gave a reason about it. This is why we shouldn't waste time but once we saw an open opportunity like this where prices are still cheap.

We shouldn't think anymore but just buy them immediately. Shorting BTC is not wrong but there are people who prefer it. Keep in mind that not all have the patience to wait for a very long time only to max out the profits that they will be getting. I hope what you said is true that there will be a long bull season. I haven't seen one yet but we only need to make sure that we already stocked up a good number of coins so that we can enjoy that season.
The best time to make out an investment is on the time where everyone is really on doubt and extreme fear but making up decisions like this on which it is really hard to consider on buying on these times which you cant
really be able to determine if this is already the bottom or not.We know that each of us do really wants to get in on the lowest price as possible which means that even it is really on the deepest negative,
we cant really be still that confident on making a buy but rather seeking for that bottom which it is really that a common behavior on which it means that buying decision
would really be entirely be depending on someones preference and risk taking.News and fundamentals couldnt always affect market condition and this what makes even more harder to make out decisions.
1476  Economy / Gambling / Re: A way to attract new users or a misunderstanding? on: December 27, 2022, 11:16:10 PM
Web 3.0 has become bait in the past months and that's because people don't fully understand the concept, as OP mentioned, it's supposed to be for decentralized projects, but when people run a project with their own token while holding more than 20% of the total tokens, that's fully centralized. And that just brings more confusion about the Web 3.0 projects.

So, we can call it high-quality bait to attract new users.
I still don't know why many casinos even the ones that do require KYC do claim to be a web3 casino. That is very confusing to me. Do web3 has anything to do with KYC? I thought is more of decentralized way of gambling without a centralized world. Things are easily moving and the change is becoming constant.
Just to have some idea on how 3.0 looks like but this only covers up on wallet options
https://owl.games/

People or the community does really want to have those changes and we know that innovation and changes is something inevitable.
We would really be liking to see something like this which is fully integrated on a site specially with gambling and using the word web 3.0
and trying out to claim that your site is something like this and turns out to be proven to be non then it would really be
a mess up.
They want to I'm making but I found it very difficult to understand maybe I am lost in this but I will like you if I have the opportunity to leave you your post to expatiate this so that I will be able to understand you exactly not for others myself, gambling is something i know that we have understand because of the lost which is involve
Post made above is simply could be understand and if you do have make use of your own basic common sense and understanding then even a gradeschooler would be able to understand on whats been talked about.
This do proves out that your feedbacks are really hit on point which you do make out some shit post everywhere.Same goes into casino signature that you are wearing. *not surprising*

I do agree on what Hampsher said above on which if people would find out that a current site is claiming to be a web 3.0 but its actually not then people would really be angry nor really that frustrated
because they are claiming on something which it isnt true.
1477  Other / Off-topic / Re: Team USA will play in the Philippines for the FIBA WORLD CUP 2023 on: December 27, 2022, 10:53:19 PM

Yes, I forgot to say that staying at home and having some snacks while watching a match is what I like to do. Free from the hassle of commuting in the metro and still can watch it in my comfort.
I know how entirely different it is to experience it to be there but who knows what will be the situation when it comes to now, I'd say that I'll keep the money and have my priorities set.
I would definitely do the same and even though it is really that totally different experience but if you do put up some realizations on there are things which is more priority than on spending lots
for a particular game then making up a decision would not really be very that hard.
If you do have some extra money to shell out which is something doesnt affect your overall savings or investment funds then go ahead but if you are compromising
one of your investment just to look something like this then it wouldn't be worth.
The rare experience is what really wants us to go there but looking at the surging ticket price, that's just going to be okay to pass. Having extra money and don't have that much burden is totally okay spend that much anyway.
If I'm single and don't have any other obligations to do, I'll definitely go there in a heartbeat and it's no brainer that I will have no doubts if I can get a ticket but things have changed when you're no longer single.
When you do already have the family then you would really just easily make these things to pass by and wont tend to spend up money which you could really spend it into other various things specially for the needs of

your family which it is really that something that you would be minding rather than following on things that makes you happy or what you are wishing for when you are still single or doesnt have obligations.
Lets just accept that fact but if you are that someone who do have that tons of money to be able to spend on then its good but if not then we do have other priorities which we should take note first.
Even myself does really want to go on seeing those NBA stars playing but due to location and money restriction then it would really be just remain as a dream.
1478  Other / Off-topic / Re: Team USA will play in the Philippines for the FIBA WORLD CUP 2023 on: December 27, 2022, 10:20:55 PM

Yes, I forgot to say that staying at home and having some snacks while watching a match is what I like to do. Free from the hassle of commuting in the metro and still can watch it in my comfort.
I know how entirely different it is to experience it to be there but who knows what will be the situation when it comes to now, I'd say that I'll keep the money and have my priorities set.
I would definitely do the same and even though it is really that totally different experience but if you do put up some realizations on there are things which is more priority than on spending lots
for a particular game then making up a decision would not really be very that hard.
If you do have some extra money to shell out which is something doesnt affect your overall savings or investment funds then go ahead but if you are compromising
one of your investment just to look something like this then it wouldn't be worth.
1479  Economy / Economics / Re: The poor people with their reasoning on: December 27, 2022, 09:10:39 PM
For the poor, they like to make money but don't want to take risks, while cryptocurrencies can be profitable but need to take risks. For me this is a very difficult case, I will not convince anyone, but if there is a chance I will share the opportunity with them, and accept it or not, I want them to decide for themselves. We should not interfere too much with them because we are not them, we do not know the difficulties they are facing.
I think it is a matter of luck too - sometime people get rich in an instant - these days many poor people are getting richer by making one video only.
And we middle class people keep wondering why we work hard and keep struggling. But we never get rich. That is what the life is about.

That quiet sad, most poor people are really scared to take some risk of investing in bitcoin, they doesn't know maybe the moment they invest the economy might be so bad.
But some of the poor take one risk to invest and their entire life will suddenly change, i don't think that will be bad idea for poor people to try and invest.
They arent that scared but rather on how they would be making out some investment if they dont have the money? Come to think that Bitcoin isnt something a holy grail or method on making yourself pull out on poverty

situation which is really a wrong belief to have in mind which should really be avoided and not to think upon.Its an option but you should really know that you would be still needing to make yourself get involved
and make out some effort and make out some good decisions to find yourself to be effective on this market.

This isnt really just putting up some money then you do make profits and make yourself that considered on the good side.This isnt just how it works.
1480  Economy / Trading Discussion / Re: The right mindset needed for all traders on: December 27, 2022, 08:37:34 PM
On this market, a disciplined trader will always prevail, and I'm sure they are confident in their abilities. Though a proper mindset should be learned by everyone, not just a trader, by everyone who is investing their hard-earned money, this is a terrific insight and piece of advice. Although patience is a virtue, you will still lose money if you lack discipline.
I think no matter what the market is like. You always have to remember one thing. If you ever invest, the first thing you should do is always keep your head cool and think. If you ever get excited, that's it for you.  You will face a lot of big losses. Therefore, you should always invest with a cool head when it comes to investment.
Being cool unlike the market situation is always good choice, but to experience the best out of the market needs patience. Even when you're into trading and the market doesn't look good, we need to take the stand to hold. Always keep in mind the worst market could turn, and the same will let you enjoy when the market is on its positive side.
Many say this, but what happens in the field is not as easy as what is said. The large number of people who panic about the market situation proves that they are not calm and do not have enough patience in dealing with an uncertain market. This is actually the problem, there are lots of theories, but in practice it will be very difficult to do. Experience will answer everything in my opinion, when we experience more and more then calm will come by itself. Because sometimes experience is a teacher that makes us even better, in any case, especially in the investment world like this.
Even veterans or to those who had already been old on this market do still really be able to feel up that panic which it isnt really that totally surprising on why people do make out such bad decisions due to impulsive

emotions which is something that cant really be avoid for some time.Mindset and emotion should really play out well on harmonious ways because if not then you would really be boggling up yourself on taking up
decisions basing into your trading decisions and positions.
If you do touch up trade then you should make yourself that prepared for whatever circumstances that you might faced on ahead.
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