STEVEN GOLDEN Executive Agent of the Month
Inside Features Natalie Lewis Jason Nagy
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EXECUTIVE AGENT OF THE MONTH
Steven Golden Gold Coast Real Estate
Coldwell Banker / Global Luxury ExecutiveAgent Magazine
San Diego County - January, 2020 Editorials
E XECUTIVE AGENT
3 Steps to Reaching Every Goal -Jason Garcia
Fred Arrias Executive Publisher PO Box 73384 San Clemente, CA 92673 Ph: (949) 297-8323 Fax: (949) 266-8757 Fred@ExecutiveAgentMagazine.com www.ExecutiveAgentMagazine.com
ADVERTISERS’ INDEX Loneliness Is Tremendous -Charlie “T” Jones
City of Hope..........................................................34 Finance of America Mortgage........................14 & 36
iPhotography Studio...............................................23 Kinecta Federal Credit Union..................................2 loanDepot®...........................................................29
Success is Easy, But so is Neglect -Jim Rohn
The Termite Guy......................................................3 VAREP.....................................................................15
Happiness is Yours for the Taking -Chris Widener
Photography: iPhotography Studio, Michelle Fairless Photography, Rob Paino Graphic Designer: Garon T. Arrias Editorial Manager: Trudy Van Writers: Ben Angel, John Boe, Haley Freeman, Jim Rohn, Walter Sanford, Dirk Zeller, Zig Ziglar Craig Harrison, Simma Lieberman, Chris Widener © Copyright 2020 Executive Agent Magazine. All rights reserved. Reproduction in whole or in part without written permission is prohibited. Although every precaution is taken to ensure accuracy of published materials, Executive Agent Magazine cannot be held responsible for opinions expressed or facts supplied by its authors.
Doing the Impossible -Zig Ziglar
26 ExecutiveAgent Magazine
E XECUTIVE AGENT
Natalie Lewis Mortgage Advisor Written by H. K. Wilson
hile earning her bachelor’s degree in journalism from the University of Maryland, Natalie Lewis journeyed to California to visit a friend, and she fell in love with the palm trees and balmy weather. Upon graduation, she relocated to Orange County seeking sunny skies and new opportunities. She worked for such recognized names as NBC and Toastmasters before veering into the tech sector. When Natalie achieved the purchase of her first home as a young, single professional, she had an epiphany. She says, “I went through that experience and thought, ‘Wow, that was awesome!’. I started thinking maybe I should get a real estate license. That was my first exposure to the industry. I didn’t know anything about loans — my real estate agent did everything to help complete the transaction. After that, I found myself going to model homes every weekend. I was so impressed. I applied for a loan assistant job with Lennar’s in-house lender, Universal American Mortgage Company. I had no experience, but they took a chance on me. It turned out great, and I moved up to loan officer within a year.” Today, Natalie brings that same enthusiasm along with a decade of industry experience to her role as a Mortgage Advisor at loanDepot. With her particular expertise in creating financing solutions for new construction, Natalie is a valuable asset to loanDepot’s Builder Division, where she serves the builder community and buyers of new homes alongside the traditional consumer market. Natalie continues to maintain a relationship with homebuilder Century Communities (her former employer), providing loan options to buyers the company is unable to finance in house. Through 2020, Century is developing new communities in Orange, Eastvale, Chino and Claremont.
“Working with builders is a space I really enjoy,” Natalie says. “I think it stems from loving new construction and touring model homes. I am able to identify the certain finishes that each builder uses, and I have an eye for and an interest in new homes. At loanDepot, our product list is massive, so I can provide many loans I have not had the opportunity to do at previous companies. I can provide buyers with a suite of products and help them qualify for a home while not limiting them only to loans that are ‘in the box.’ We are such a diverse community in Southern California, and not all borrowers fit ‘in the box.’ They have different needs in terms of their financial situations, and loanDepot does a great job of making loans work for all kinds of buyers.”
Natalie describes some of the gaps loanDepot is filling in the Southern California market. “It’s hard to find a competitive jumbo loan with flexible guidelines, and since prices in our area are high, most loans fall into the jumbo category. We work with multiple investors, so we have more guidelines to choose from to find a fit for the buyer. A lot of times builders need help with their condo approvals. They may not get their FHA or VA approval in time, and we can step in to help with year-end closings by taking on that part for them. We also have a bank statement program that is awesome for people who are self-employed. We make it so the builder can focus on selling homes, and we make sure we get the rest done for them.” Natalie knows how to solve the unique challenges that homebuilders and their clients face. “There is a sense of urgency that builders have,” she explains. “There are a few things with new construction that are different from a resale transaction. One is how to work with construction timelines in terms of locking rates to make sure the lock doesn’t expire. You also have to qualify buyers with and without options to see what they can afford. The price can change just like the close of escrow date can change. You have to plan ahead to see what the maximum is that a buyer can buy, and that means you have to be good at forecasting and always have a backup strategy. Communication is so important to making sure things go smoothly.” Natalie and her husband, Mike, live in Corona with their two Maltese furry babies. Mike is a professional musician who has been playing the drums since he was only 3 years old. He performs in his band The Trip and is also a drum instructor at Rockstars of Tomorrow, a local music school for all ages. Natalie recently took up playing the piano, something she hasn’t done since childhood, and she says she’s having fun sharing this passion with her husband.
According to Natalie, two of her greatest strengths are her adaptability and love of learning. These qualities ideally suit her for working in an industry characterized by constant change. “I think you have to be able to adapt to a situation, whether it is good or bad, and remain openminded in order to realign yourself to new possibilities. And I love to learn, even if it’s just for myself. I’ve had a few career changes in my life, but lending has always been the career that is most exciting for me. Every loan and every buyer is so different. It’s like solving a puzzle every day.” Natalie Lewis NMLS # 1427356 loanDepot® 3281 E Guasti Rd., Ste. 550 Ontario, CA 91761 Tel: 951-505-9019 Email: email@example.com Web: www.loandepot.com/loan-officers/nlewis
Rates, terms, and availability of programs are subject to change without notice. loanDepot.com, LLC NMLS ID 174457. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act CRMLA 4131040.
Happiness is Yours for the Taking
For example, I get some of the most touching emails from people I have never met (and probably never will) who tell me how I have helped them. There is little else that brings me such happiness!
So what does it take to bring us to a state of happiness? Here are a few thoughts to get you on your way: Do not try to control circumstances. One of the biggest “happiness busters” I see is in the frustration people experience (and wallow in) because circumstances have gone awry.
Settle your finances. Whatever your financial goals are, get them! Having poor finances is one of the major causes of unhappiness. Now, some people are completely content on $30,000 a year. Others need $200,000 a year. That is okay. We all have different desires, needs, and goals. But the key is to know what you want your financial life to look like and then do what it takes to get there. Among the major things to do is to eliminate as much debt as possible, if not all!
appiness. The pursuit of so many. In fact, we are known in America as those who live for “Life, liberty and the pursuit of happiness.” But so many seem without happiness. Why is this? Is happiness truly elusive or do we simply not know how to take hold of it? It is my contention that happiness is yours for the taking. That is, anyone can be happy if they choose to be… and if they know how to get it.
This is because their mind-set, whether they know it or not, is that they should be somehow able to control circumstances. But let’s get this straight: You can’t! So the first thing you can do to give yourself happiness is to stop trying to control, or taking responsibility for circumstances that are outside of your control! Understand that you can only control yourself. There is only one thing you can control in this world and that is yourself. You can’t control the weather, other drivers, your kids or spouse, or anything for that matter outside of your own beliefs, thoughts, attitudes and actions. Focus all of your attention on developing yourself and doing what is right — controlling yourself while letting what will happen, happen — and you will find happiness opening up within you. Decide what it is that you want out of life and then stick to it relentlessly. This is two parts: First, know what you want. Get real clear with yourself. Take a private retreat to be alone if you have to, but come to grips with what you want your life to look like. Secondly, devote yourself to that passion and do not be sidetracked. It is interesting to me how many options we have – good options – that if we pursue them they will actually crush our happiness because they will take us away from what will really make us happy. Live for a legacy. We cannot be self-absorbed and live only for ourselves. Yes, we only control ourselves, but we can live for the betterment of others. Live your life in such a way that others are touched and you will find yourself feeling happiness in ways that you could never imagine. 8
Surround yourself with good friends. Good friend are such a blessing! I have some of the most intelligent, capable, successful, and caring friends a person could have. I have three or four people in my life that I completely trust and admire. When friendships are clicking, there is almost nothing that provides more happiness. Take time to develop your friendships. Spend time with them, do fun things with them etc. Even as life gets more and more busy, make time with your friends a priority. Develop your primary love relationship. I spoke at a groom’s dinner recently and one of the points I made was that marriage will show you both heaven and hell! Marriage, when it is going well will send you out the door each morning on cloud nine. When it isn’t going well, it affects every area of your life negatively. Do whatever you can – work hard – at developing your primary love relationship. The rewards of happiness you reap will be tremendous! Happiness is yours for the taking – and hope you will take the time to develop your life in such a way as to be able to experience all of the happiness you can handle! Chris Widener is a popular speaker and writer as well as the President of Made for Success, a company helping individuals and organizations turn their potential into performance, and succeed in every area of their lives and achieve their dreams. Learn more about the Ultimate Success Series By Chris Widener.
E XECUTIVE AGENT
Jason Nagy Written by H. K. Wilson
“I have a heart, passion and deep respect for people who are entrepreneurs,” Jason says. “They are the risk takers. My vision for our agents at Coldwell Banker is that they’re our clients. I want to identify how can we best elevate and serve them so they can serve their clients. My goal is to help build successful, sustainable, thriving businesses. It’s really important for me to make sure that we’re giving everybody the greatest opportunity by being the best strategic partner in the marketplace. Real estate can be a very isolating and lonely business if you don’t have a great group of people to help you along the way.”
eet Jason Nagy, Branch Manager at Coldwell Banker Residential Brokerage, Carlsbad. During his 15-year career in real estate, Jason has achieved national status with some of the most recognized brands in the industry. His people-centric approach to real estate combined with his inspirational leadership style has powered his continuing success, and his Carlsbad team has outpaced the local market with sales that far exceed competitive averages.
With marketing that is second-to-none and a global reputation for real estate excellence, Coldwell Banker has proven the ideal partner for achieving Jason’s vision. “Our strategic initiative is to look to the competitive landscape for what other brokers are offering and where we can elevate and add to our offering in a way that is substantially better and will impact our agents and their clients at the next level.” Jason points to the company’s proactive marketing initiatives that include a listing concierge program, television ads, monthly magazine distribution and geo-targeted posts on social media that get houses seen and sold. “We’re not just putting houses on the MLS and hosting milk-and-cookie open houses to get results,” he says.
As a dedicated manager whose job is to recruit, develop and retain talent, Jason says he approaches these objectives from a value-based mindset. “I am looking to recruit the most talented agents in the business and align their vision with ours. We know that if we’re affiliating with agents who are value focused, they will bring that same ideology of value to their clients. It’s not about how much something costs, but the longterm value that is derived from the investment. We strategically partner with people who understand the concept of value. In the absence of value, price rules. I operate the same way. For example, I do a lot of deal negotiations to help keep deals together and make sure our agents and their clients are taken care of. When our agents open their commission checks, they are going to have one of two thoughts: Jason and the marketing staff are amazing and they earned that percentage; or, What did I just pay for?.” A record-breaking salesperson and outstanding team builder, Jason offers his partner agents the validation, motivation and resources necessary to succeed. “You can only bring people on board to work with you if you serve them and if they believe you have the capability to bring their business to the next level. We are in the people business, and until people know how much you care, nothing else matters. What motivates one person is very different from what another needs. I firmly believe that being systematized — having structure and discipline in business with great follow-up skills — is key to going to the next level. What agents get with Coldwell Banker and Jason is the ability to execute on the deliverables promised.” Realtor® Michael Biondo says that when a listing agent threatened an eleventh-hour cancellation of escrow, Jason saved the day. “Jason just happen to
be walking into the office while I was on the phone with the other agent. I pulled him into a conference room, and without hesitation, he stepped in and was able to talk the agent off the ledge and come up with a solution that benefited both parties. We ended up closing escrow yesterday, and my happy buyers got the keys to their first home last night! Thank you to Jason for your support and guidance!” Another team member, Realtor® Lynn Vogt, got the support she needed so she could enjoy her wedding and honeymoon. She reports that Jason “closed one escrow, extended another when needed, and even found a new home for a client whose escrow fell apart while I was celebrating in Mexico! Thank you so much, Jason, for giving me the time off I needed with my new hubby and the peace of mind knowing everything was in the best of hands!” Jason exemplifies servant leadership, and he works hard to help his agents shine when they are in the spotlight. “I get a tremendous amount of joy from my work,” he says, “and the greatest joy comes from the relationships I have with agents. They are colleagues who become my friends. It is my privilege to empathize when they struggle and celebrate when they succeed.” Jason Nagy, Branch Manager Coldwell Banker Residential Brokerage 7020 Avenida Encinas Carlsbad, CA 92011 Tel: 626-244-5000 Email: Jason.Nagy@camoves.com Web: www.jasonnagy.org DRE #01710981
Fostering Professionals That Build Communities ExecutiveAgent Magazine
Loneliness Is “TREMENDOUS”
eadership begins with loneliness. What is leadership, what does a leader do? A leader is simply one who goes ahead, one who sets the pace, paves the way. I think it needs to be said too, that any company, church, community or agency must have at least one courageous person who is willing, I said willing, not able. There are many who are not willing, and others who could do the job better, if they would. Many never arrive simply because they really never get started. Once you decide to set the pace and move ahead, you discover why many refuse to pay the price of leadership. Its lonely leading and so many return to the pack to lead with the gang, only to discover too late that the gang isn’t going anywhere. They want to make sure of the end before going off into the terrible unknown where it is lonely.
Another phrase we often hear, “I won’t go ahead until I know I’m right.” Seems strange how slowly we realize how many times the very things that appeared so wrong, turned out so right, and the things that appeared so right, turned out so wrong. I’ve come to the conclusion that we won’t know for sure what is the right or wrong until the end, and the end is a long way off. The aloneness of the leader is far better than the loneliness of the follower. Tremendously, Charles “T” Jones Written by Charlie “Tremendous” Jones. In addition to breaking many sales records in the Insurance Industry throughout his career, Mr. Jones was the founder and CEO of Executive Books. For more information on Charlie “T” Jones go visit tremendousleadership.com.
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STEVEN GOLDEN Executive Agent of the Month
Written by H. K. Wilson - Ian Wiant Photographer
here is a golden hour when the sun meets the horizon, warming the sea and sky to the same molten hue and transforming the California Coast from beautiful to pure magic. These are the moments that draw homebuyers to California from all points of the compass, and as the Broker/Owner of Gold Coast Real Estate in Carlsbad, Steven Golden is there to help people find their dream home, be it cottage or castle. Originally from Colorado, Steven grew up in an entre-
preneurial family with a mother who is a real estate broker and father who owned his own plumbing and heating business. He followed in his fatherâ€™s footsteps to become a master plumber and, later, became a shareholder of a successful mechanical contracting company in San Diego. His expertise in construction was a tremendous asset when he began investing in real estate, and he eventually obtained his real estate broker license. After the sale of the mechanical contracting company, he turned his attention to real estate full time.
Today, Steven’s strong belief in service is mingled with his personal spiritual journey. It began with a Zig Ziglar presentation he attended when he was in his late 20s. “I remember he dropped to his knees on stage and slid a little bit. Then he said quietly, ‘If you help enough people, you’ll never have to worry about your own bills.’ He stood
up and said, ‘Can I get an amen?’ And the crowed went crazy. It was a profound moment for me. My company, Gold Coast Real Estate, now has a very strong underlying current of being in service to help, where service comes from being in kindness and compassion while helping people navigate through the real estate world.”
YOUR GUIDE ON A MILESTONE JOURNEY
In response to the changing real estate market, Steven established Gold Coast Real Estate as a virtual brokerage where client care is the primary focus and agents have the freedom to work creatively. Agents enjoy regular training and systems thoughtfully designed to ensure their success. “The brand doesn’t sell the house, it’s the relationships that make the difference. By helping my agents to be successful, I am ensuring that clients also win. I’m available to agents 24/7. I want then to have the support they need to succeed, and I have a great team behind me, from an incredible transaction coordinator who knows contracts inside and out, to a team that does all of my marketing and social media. Clients benefit because everyone is likeminded. My model is that we are bridge builders. We don’t go fight for clients; we negotiate on their behalf. When I bring people on I look for one thing: They must have a
passion to help people. I can teach real estate skills all day long, but I can’t teach the heart.” Clients and agents throughout San Diego County are responding to Steven’s vision, and his company is growing at a rapid pace. Recently, he launched a property management division. “It’s another way of helping people, especially homeowners from out of state.” Steven is positioned to assist seniors who are transitioning their real estate wealth, and he continues to use his construction knowledge to guide his clients to the most beneficial real estate investments. “It’s all about integrity and bringing joy to people,” he says. “If I see something that is a problem in a house, I speak up. I may advise a client away from a house, or I might help them see the vision for what the home could be with the right renovations.”
In 2013, Steven had an experience that forever changed his purpose when he met Werner Berger, then 77 years old, and holder of the Guinness World Record title as the oldest person to climb the highest mountain on all seven continents, or the “Seven Summits.” They became fast friends, and Steven joined Werner on a harrowing trek to Everest basecamp that same year. (Read the full story at https://www.gold-coast-realestate.com/my-story.) Steven again returned to Everest with his son and friends last year, and he is preparing to accompany Werner for his last Everest Basecamp trek in April of 2020.
outlook. He resolved to be a source of limitless love, joy and light in the world. “If I can do that through the people who work with and around me, together we can make our own lives better while bringing that joyfulness back into our communities and society. I didn’t go trekking to basecamp by myself. I had a guide who knew how to get to the destination, how fast to go and when to stop. I want to be that guide that people trust to help them on their real estate journey with care and authenticity.”
Trekking to basecamp on the earth’s highest peak with the intrepid Werner and experiencing danger and wonder in the context of the deeply spiritual Himalayan culture caused Steven to return to his life in California with a new ExecutiveAgent Magazine
Steven Golden Gold Coast Real Estate 2100 Palomar Airport Rd., Ste. 214-47 Carlsbad, CA 92011 - Tel: 760-213-6535 Email: firstname.lastname@example.org Web: www.Gold-Coast-RealEstate.com - DRE # 01290347
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Doing the Impossible
here will the records stop? In 1954 Roger Bannister ran a sub-four-minute mile and it ignited the athletic world. In 1994, Eamonn Coghlan of Ireland, at age 41, ran a sub-four-minute mile. Incredibly enough, Kip Keino of Ethiopia, at age 55, ran a 4.06 mile. The fastest mile run to date [when this column was originally written] is 3:43.13 accomplished by Hicham El Guerrouj of Morocco.
hand, “Whether you think you can or think you can’t, you’re right in both cases.”
But back in 1954 more than 50 medical journals had published articles saying that the four-minute mile was not humanly possible. Doctors were warning athletes of the dire consequences to anyone who broke that unbreakable barrier.
Dr. Lynch also says that you can’t stretch your limits without encountering some rough moments. You need to understand that failure and losses are acceptable learning experiences that can help improve your performance. This is true in every part of life, whether it involves athletics, academic achievement, business or sales success.
In the meantime, coaches all over the world, with stop-watches in hand, were encouraging their charges to do their best — but to forget about breaking the “impossible” four-minute barrier. Roger Bannister broke the barrier and changed that thinking by his performance. He refused to believe what others were saying because he didn’t want to limit his own potential. His breakthrough proved that the barrier was a psychological one, not a physiological barrier. Jerry Lynch, Ph.D., said that when you believe and think “I can,” you activate your motivation, commitment, confidence, concentration and excitement, all of which relate directly to achievement. On the other
Dr. Lynch says that the path to personal excellence is cluttered with obstacles. It is my own personal conviction that you can’t develop your full potential without encountering serious obstacles along the way.
It’s true that airplanes and kites rise fastest when they fly into the wind. Individuals grow stronger physically, mentally and spiritually when they are “tested” with resistance or opposition. Think about it and I’ll see you at the top! Zig Ziglar is a teacher and motivator. He offers a newsletter filled with more of his inspiring stories as well as practical ideas to help you in the areas of sales, marketing, customer service, and related topics. You can visit him at www.zigziglar.com.
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3 Steps to Reaching Every Goal Having goals in our lives is important. For some, merely creating goals brings about a positive change. When you make a goal, you are creating an exciting challenge for yourself. To make sure you meet that challenge with the right tools, you will need to do three things.
1. WRITE IT DOWN The first step is to write your goal down on paper. This may seem like a simple step, but it makes your goal visible and tangible. Get out a clean sheet of paper, and write your goal down in clear words. It doesn’t have to be a big dream for it to be useful. Any goal you have should be written down. It should also be somewhere you will look often, or pass by during the day.
2. BREAK IT DOWN You may have a goal of losing weight. This alone seems like a difficult thing to do. But when we break this goal down into its different parts, these smaller goals become easier to handle. Losing 10 lbs. seems overwhelming, but losing 1 lb. a month for ten months is something you can definately do.
3. REMIND YOURSELF With so many things to do during your busy day, your goals can sometimes be put aside. Write yourself a reminder, and place it where it will be seen often. Your fridge, bathroom mirror, or desk are just a few of the places where you could post your goal. With these three steps, reaching your goals will be much easier. You want to be happy, and you deserve it. Now you have the tools to go and get it! ___________ Copyright 2001, Jason Gracia – Visit Jason’s Motivation123 Web site to receive a free Motivation Idea-Kit, plus hundreds of articles, tips and ideas to help you live a happier life today.
Written by James Whittaker
Success is Easy, But so is Neglect
eople often ask me how I became successful in that six-year period of time while many of the people I knew did not. The answer is simple: The things I found to be easy to do, they found to be easy not to do.
Everything we would ever need to become rich and powerful and sophisticated is within our reach. The major reason that so few take advantage of all that we have is simply, neglect.
I found it easy to set the goals that could change my life. They found it easy not to. I found it easy to read the books that could affect my thinking and my ideas. They found that easy not to. I found it easy to attend the classes and the seminars, and to get around other successful people. They said it probably really wouldn’t matter.
Neglect is like an infection. Left unchecked it will spread throughout our entire system of disciplines and eventually lead to a complete breakdown of a potentially joy-filled and prosperous human life.
If I had to sum it up, I would say what I found to be easy to do, they found to be easy not to do. Six years later, I’m a millionaire and they are all still blaming the economy, the government and company policies, yet they neglected to do the basic, easy things. In fact, the primary reason most people are not doing as well as they could and should, can be summed up in a single word: neglect. It is not the lack of money - banks are full of money. It is not the lack of opportunity - America, and much of the free World, continues to offer the most unprecedented and abundant opportunities in the last six thousand years of recorded history. It is not the lack of books – libraries are full of books and they are free! It is not the schools - the classrooms are full of good teachers. We have plenty of ministers, leaders, counselors and advisors.
Not doing the things we know we should do causes us to feel guilty and guilt leads to an erosion of self-confidence. As our self-confidence diminishes, so does the level of our activity. And as our activity diminishes, our results inevitably decline. And as our results suffer, our attitude begins to weaken. And as our attitude begins the slow shift from positive to negative, our self-confidence diminishes even more ... and on and on it goes. So my suggestion is that when giving the choice of “easy to” and “easy not to” that you do not neglect to do the simple, basic, “easy”; but potentially life-changing activities and disciplines. To Your Success, Jim Rohn ________________ Jim Rohn was a leading author, speaker and business lecturer. He is the author of 7 Strategies for Wealth & Happiness: Power Ideas from America’s Foremost Business Philosopher , among other fantastic books and audio programs.
Our bone marrow transplant reunion is now standing room only. Each year, City of Hope invites bone marrow transplant recipients and their families to attend the “Celebration of Life” event. It’s a joyous time during which survivors of blood cancers such as lymphoma, leukemia and myeloma embrace their health, their life and each other. It began more than 35 years ago when City of Hope created what is now one of the largest and most successful bone marrow transplant programs in the world. In fact, we’ve completed over 11,000 transplants and, according to national reports, our outcomes are among the best in the nation. The goal of curing cancer isn’t just something we work at. It’s what we live for. If you have cancer, make us your first call. Or ask your doctor for a referral. We accept most insurance. 800-826-HOPE
WE LIVE TO CURE CANCER. Science saving lives. cityofhope.org/bmt
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