Watch out for exclusions that deny coverage for any reason. But let's assume you got the call from the dealer telling you the financing fell through. The problem right now is there arent a lot of car models sitting on dealer lots, which makes it more difficult to walk away and gives the dealership the upper handbut that doesnt mean you have to accept the additional charges. The customer says he didn't sign anything. Some dealerships include one, but they are not common for new vehicles. Theyre sold by car manufacturers, dealers, and independent companies, you can buy them anytime, and prices and coverage vary widely. Before you drive off with your new vehicle, make sure: you reviewed the contract and disclosures before agreeing to the loan and auto sale to make sure you Sometimes you have recourse, because a dealership hasnt followed these technical protections so that people [wouldn't] sign things that were in tiny print, Schlanger said. In fact, that's SiriusXM FM Channel Finder is a free resource that you can use any time to find one or more potentially vacant This includes oil changes, tire rotations, belt replacement, new brake pads, and inspections. Consider the same issues mentioned above and be especially cautious. The dealer has 4 working days to find financing and if they fail to secure financing as specified in the contract, there is no contract and they first have to offer to return your contract, down payment, and any trade-in but then they can also try to negotiate a new deal. The answer is sometimes, but there's more to it than that. When evaluating offers, please review the financial institutions Terms and Conditions. Site design / logo 2023 Stack Exchange Inc; user contributions licensed under CC BY-SA. This information may be different than what you see when you visit a financial institution, service provider or specific products site. In some cases, Smith says these additional items arent even disclosed and instead are just written into a sales contract a practice called packing payments. An unwary customer might sign the contract without noticing the extras because they got their agreed-upon monthly payment. Keep detailed records, including receipts, so you can prove youve properly maintained the car. So, you can save both money during the signing and on monthly costs. What to Buy: Hyundai Tucson or Hyundai Santa Fe? If you are asked to return to the dealer to discuss your financing and it was not disclosed to you that the deal was not yet final, you may submit a complaint to the Federal Trade Commission (FTC) or in the case of a Buy Here Pay Here dealer, with the CFPB online or by calling us toll-free at (855) 411-CFPB (2372). If you have a dispute over whether a claim should be paid, deal with the administrator. Timothy Miller, who lives in Grand Rapids, Michigan, said that two years ago, one dealer kept delaying his paperwork and asked him to double the down payment on his truck in order to reduce his monthly payments. How can I find out what car insurance someone else has? Study the fine print on your car buying contract. You also may need to pay a deductible each time your car is serviced or repaired. It may charge you more if you insist on paying cash. New car warranties usually offer coverage for a certain period time or miles, whichever comes first. Browse other questions tagged, Start here for a quick overview of the site, Detailed answers to any questions you might have, Discuss the workings and policies of this site. Before you drive off with your new vehicle, make sure: If the contract did not contain a clear statement that the deal was not final or that the sale was conditional on the dealer being able to find someone to buy your loan within a short duration of time, and if you already signed all of the documents before you left with the vehicle, you may have a right to keep it and make the payments as agreed. The contract may be backed by the manufacturer, dealer, or an independent company. That drives the price of popular vehicles up simply because the car is in demand. So, you can save both money during the signing and on monthly costs. Contact a local independent agent in the Trusted Choice network today for assistance concerning the insurance options that are available to you. My advice was to plead for a refund of the $1000 deposit based on changing circumstances. You are likely to see a line labeled Market Adjustment or a similar term on most second stickers. Buying a new car these days can be a complicated process. Reset your password. So now Im a little frustrated and need to know more about what my rights are and what I should do next. The CFPB updates this information periodically. According to Consumer Reports, these are some things to look out for: When you understand what is included on a sales contract and know what you are looking for, you can review the contract in a matter of a couple of minutes. Law Stack Exchange is a question and answer site for legal professionals, students, and others with experience or interest in law. 2023 BuzzFeed, Inc. All rights reserved. NASDAQ data is at least 15 minutes delayed. The make, model, year and color of the vehicle. So, what happens when you sign a buying contract for the car, but realize it may not be the best fit for you the next day? Yes. You may be able to return your vehicle if the dealership misled you or didn't disclose the full history of the vehicle. Is it illegal to sell tobacco online without a license, and can you grow it on your balcony legally? Keep Me Signed In What does "Remember Me" do? Youve probably heard: this holiday season, it might be harder to find the gifts youre looking for. Go with your gut, says Smith. Leasing your new SUV or truck is an excellent way to achieve that goal. We do not endorse the third-party or guarantee the accuracy of this third-party information. Vehicle Code Section 11713.18 11713.21. Its often violated, Daniel Schlanger, a consumer protection attorney at the firm Schlanger & Schlanger, said of the act. Once the notice period expires, your independence is considered effective and you have the right to cancel your visa unless the contract stipulates otherwise. Others make you use the dealer that sold you the car. There are a few situations where cancelation is possible, notably when vehicles are recalled or if the dealership had you sign a fraudulent lease. Service contracts are sometimes called an extended warranty, but theyre not a warranty as defined by federal law. Print out any emailed offers and keep them with you as you close the deal. It is easy to be overwhelmed and excited about your purchase and just go along with what the salesperson tells you, but you need to pay attention to what you are signing. Consumer Reports contacted Dan Blinn, a consumer attorney in Rocky Hill, Conn., who said thatif a dealership tries to get more money for the car than what the purchase order says, that maybe a breach of contract. If you are purchasing a used vehicle from a private seller, the seller may ask you to sign a bill of sale, which is a very simplified form of car purchase agreement. I would love to talk with you and find out how I can help you. Does Cast a Spell make you a spellcaster? If you have been cheated, the Attorney Generals Office may be able to help. Ask how long youll have to wait to get your money. They can only change certain terms in the contract. Context: I live in Seattle and bought a car earlier last month, when we found the car we wanted and negotiated a price we got our loan financed through a particular lender. It is possible that you have been victimized by the dealership; however, based on the facts provided, it is not possible to provide a thorough and Paint protective coating or anti-scratch vinyl film. Editors Note: This article has been adapted from an episode of Talking Cars.. If theres one constant among scammers, its that theyre always coming up with new schemes, like the Google Voice verification scam. Under the contract, you may have to follow all the manufacturers recommendations for routine maintenance, like oil changes. To learn more about buying, leasing and owning a car, visit ftc.gov/cars. Pricing can range from several hundred dollars to several thousand. Youre ready to sign the contract for your new car. The dealer has added nothing of value to the car; it just wants more money for it. WebGenerally, car dealers would not be willing to cancel a contract unless the buyer has very specific and serious grounds to do so. Learn about getting and using credit, borrowing money, and managing debt. Other things that would be in your favor would be if the vehicle failed a safety inspection or if there was an undisclosed mechanical issue with the vehicle. The sellers name and address. WebSomething every Dundee, NY, shopper can get behind is saving money. The auto contract is Consumer Reports says one of the issues here is a limited amount of inventory right now due to the semiconductor chip shortages. Its not true that theres always an out," he said. however, Edmunds indicates there is not typically a cooling-off period for car purchases, canceling one once you sign on the dotted line is pretty difficult, a lot harder to do than returning a used vehicle, Your Privacy Choices: Opt Out of Sale/Targeted Ads. Car dealerships use a car purchase agreement, or car sale agreement, to finalize a sale. You need your copies of the paperwork you signed originally. What you can do about it depends on whether you signed a purchase order or a deposit. If youve already driven the car and the dealer has taken your trade-in, what choice do you have? I mainly see ford dealerships doing this HUGE markup. However, in the interest of good public relations and retaining a steady customer, a dealer might be willing to void the contract and accept the return of the car in unchanged, new condition. There is a risky strategy for getting a copy of the contract: breech the contract, let them sue you, then they will have to prove that they have a contract with you; you can get a copy of the contract that way. If that happens, the manufacturer or dealer can deny coverage for that part and charge you for repairs. Weigh your options carefully. Get it in writing. Independent agents can help you get the car insurance you need without simply selling you the products of a parent company. Find out if youll need pre-approval from the contract provider for any repair work or towing services. My son has been applying to colleges and was recently contacted by a coach who wants him to visit and meet the team. You may have to pay for covered repairs and have the service company reimburse you. Thankfully, there are ways to avoid being overcharged at the dealership. How do I dispute a correction after buying a car that was not as advertised? This process means you are not trying to pay off the complete cost of your purchase. WOW!! Paying a This information may be different than what you see when you visit a financial institution, service provider or specific products site. Unfortunately, not all contract changes are done legally, and anytime these changes occur, they end up costing the buyer lots of money. Our partners compensate us. It was great and I had no problems. Often, add-ons like extended warranties and service contracts can cost thousands of dollars and are mentioned only at the end of an already difficult and time-consuming day at the dealership. Car dealerships use a car purchase agreement, or car sale agreement, to finalize a sale. There are a few conditions that could lead to a car buying contract being canceled. A car dealership does not have to return a deposit to a buyer if the buyer made the deposit as a good-faith gesture of his intention to purchase a vehicle. If the dealership holds firm on the price adjustment, let the car manufacturer know because they dont want their dealers creating a bad experience for their customers. This might be a case of mutual mistake, so the contract can be set aside or revised by mutual consent. Retrieve your username. I am wondering if @Ford is doing anything about the dealerships marking up vehicles $10k-$20k over MSRP?2022 Raptor MSRP is $80,660.00 dealership selling it for $93,000.00. Car buying can be a nightmare -- everybody knows that. Once at the car dealership, Jim and Laura meet Stan Salesman. Jim and Laura particularly like the blue 4-door sedan. But a purchase order is a binding contract that the dealership has to honor. Some other extras that might pop up on that sticker: Anti-theft products such as additional alarms or a vehicle locating device. When you are negotiating in a dealership, whip out your phone and take pictures of everything they present to you, Smith says. Can you sue Dubai's top used car dealer? Make sure the envelope is postmarked before characters. Dealerships that specialize in used car sales may even advertise friendly return policies to attract potential buyers. Consumer Action Law Group discusses returning a used car to a dealership and states returning a new car to the dealership is, in most cases, a lot harder to do than returning a used vehicle. These returns cover a period from 1986-2011 and were examined and attested by Baker Tilly, an independent accounting firm. This is particularly important to keep in mind when you are signing a car purchase agreement for an expensive new or used car. But, before they can deny warranty coverage, the manufacturer or dealer must first prove the aftermarket or recycled part caused the needed repairs. Ericka Honore of Lake Ronkonkoma, New York, said her fears of car shopping as a single woman were confirmed four years ago when she was looking for a used SUV. The purchase price paid. A manufacturers warranty typically is included in the purchase price when you buy a new car, but used cars might come with some type of warranty coverage, too. An auto warranty is a contract to fix certain defects or malfunctions for specific amount of time after you buy a car. Is it legal in the US to bundle renting a car parking space and buying insurance for the content of the car? If somebodys quoted a specific price and they come in and theyre told they have to purchase something else, thats a switched price, and that is in most places an unfair trade practice, Blinn says. The law allows the dealer to shop financing companies, so you do not have the right to refuse to have the loan be serviced by Chase or any other business: your right to refuse regards the financial details of the loan (interest rate, duration of loan, etc.). Because of how car valuation works, there is not a cooling-off period required as part of a car buying contract. A cooling-off period is something written into sales contracts that can protect the buyer in cases of high-pressure sales tactics. Woodman's articles have been published in "Professional Distributor" magazine and in various online publications. It comes in the short-term right to reject rules.. Return the Vehicle. Show the dealership your contract and see if that helps. There's no requirement for the dealer to notify you. Auto service contracts and so-called extended warranties are common add-ons, optional products and services offered by the dealer in connection with a new or used car purchase. This is an incredible opportunity, but flights to visit the school are expensive, and I want to apply for a car title loan to cover the travel cost. This usually happens under severe conditions. States also have various laws known as Unfair and Deceptive Acts and Practices statutes, which are designed to protect consumers. Credit union holding car note, refuses to provide details of how payments have been applied. But what happens if you place an order and the dealership wants to charge you more upon delivery? The .gov means its official. Do Not Sell or Share My Personal Information. Everything went well with my experience with Trusted Choice. Find insurance savings it's 100% free, Compare Free Quotes (& Save Hundreds per Year! Heres what you need to know about these calls. Or talk to an agent now at (855) 372-0071. It is not legal advice or regulatory guidance. Once the notice period expires, your independence is considered effective and you have the right to cancel your visa unless the contract stipulates otherwise. Heres how to stay on track. Once in the dealership, a sales representative might argue that the offer was only available to veterans who were born on Tuesdays, Schlanger said. The difference between a purchase order and a deposit is key. Few auto service contracts cover all repairs and maintenance. You can also submit a complaint with your state attorney general or state consumer protection office . Duress at instant speed in response to Counterspell. If you bought the car from a dealership. Associate Business Editor, The Huffington Post. WebFor example, California dealers must offer a two-day cooling-off period for used cars under $40,000. The AG's office provides this useful guide, which reminds you that "You should always get a copy of each document you sign for your records". An auto service contract is a contract to perform (or pay for) certain repairs or services. WebIf the dealership has a refund policy clearly posted, or written on the sales contract or receipt, and it chooses not to honor that policy, you can seek legal recourse against the Web1. Mike Kaspar, who lives in Baltimore, said he found quotes on TrueCars website for a trade-in on his 2012 VW GTI in February. The site is secure. Learn about the rules and regulations businesses must follow when selling or repairing a car. For example, imagine you want to buy a car, but What are those terms? A contract is not legally binding until it is agreed to by all interested parties. You should also make sure you're covered with an affordable car insurance policy. This is sometimes called a yo-yo sale and you may be entitled to legal protections in some situations. Paying a deposit doesnt confirm the price you pay at the end. The second you sign the contract for your vehicle, you must comply with its terms. Is email scraping still a thing for spammers. The number of miles on the odometer at the time of sale. Because the dealer has extended credit, it has established its own customer relationship with the person when they sign the contract. I know car dealers tend to pile on fees when you're buying from them, but do these include a broker's fee for loans? The market has become so insane, dealers know the consumer doesnt have much leverage, says Weintraub. The purpose of the deposit is to show that a buyer is serious about the purchase, and willing to lose the deposit if he does not follow through with his agreement. At the center of everything we do is a strong commitment to independent research and sharing its profitable discoveries with investors. Brake Pedal Is Lower Than Usual Inspection, Brake Light Bulb Replacement Cost Estimate, Anti-Lock Control Relay Replacement Cost Estimate, Exhaust Gas Recirculation (EGR) Tube Replacement. Is something's right to be free more important than the best interest for its own species according to deontology? If the engine has to be taken apart to diagnose a problem, and during the process the mechanic discovers non-covered parts that need to be repaired or replaced, you may have to pay for the labor involved in the tear-down and re-assembling of the engine. Additionally, you also pointed out the Call the dealer and explain your situation and why you'd like to return it. Some dealers will allow the customer to take possession of the new vehiclebeforethe loan is approved by the lender. You may not have full protection even for parts that are covered in the contract. When you buy a car, your first decision is what trim level to get. When your car needs repairs or servicing, some service contracts let you choose among several service dealers or authorized repair centers. The main legal protection that you have is (see the AG guide) that "After a deal is agreed upon and the contract signed, if you are contacted by the dealer saying they now need a larger down payment or higher monthly payments, you are not required to accept these new terms". It is the dealers choice whether to stand firm or not. On average, buyers of non-luxury vehicles paid about $900 more than the Manufacturer's Suggested Retail Price, or MSRP, in January 2022, according to data analysis from Kelley Blue Book. If you buy a contract and change your mind, you must be allowed to cancel for a full refund within 10 days, or 20 if the contract was mailed to you. Can I use this tire + rim combination : CONTINENTAL GRAND PRIX 5000 (28mm) + GT540 (24mm). Check your state's local laws to see what protections car buyers have before trying to negotiate with a dealership as it's sure to be less of a headache. What can I do? If your circumstances have truly changed, and it no longer makes sense to purchase a vehicle that you agreed to, you can ask the dealership for your money back. Automakers like Ford have been attempting to fix this dealership markup issue from the top down, but not all dealerships have complied. It likely needs to fall under a certain amount of miles since it was bought. What to Buy: Jeep Cherokee or Jeep Grand Cherokee? He noted that if the car dealership tries to get more money than what your purchase order says, that could be a breach of contract. The Car Buyers Bill of Rights now limits the markup a dealer can get. How to react to a students panic attack in an oral exam? Can a dealer give me an estimate of my APR? NYSE and AMEX data is at least 20 minutes delayed. Most of the time this is not a problem. However, if the car dealer cannot find someone to buy your purchase contract, it can cancel the purchase contract. But, the car dealer must notify you within 10 days of the date on the purchase contract. If it does not, then the purchase is final and cannot be cancelled. Tip:The best way to protect yourself from a yo-yo sale is to make sure the loan and sale are final BEFORE taking the vehicle home. If the deposit amount is less than the small claims court maximum for your state, you can file a suit there. This is when the dealership gives you the keys and has you sign the paperwork prior to having final approval on the loan terms from a lender. This makes me think that there could be other problems with the car, and I probably paid too much for it. It likely provided that the financing was a condition to the obligations of the parties, so that when it failed, the contract failed and you are not obligated. #stoptheinflation pic.twitter.com/f5yFODs7pD, Consumer Reports Best American SUVs Under $50,000. A second sticker allows many dealers to add things like wheel locks or nitrogen-filled tires and charge high prices for them. Everything below is legal, as long as it is disclosed and itemized on your final sales contract. Start small, then add on. It is important that you review it carefully before you sign. If you manage to get the price adjustment fixed, keep an eye on other mysterious fees. Asking for help, clarification, or responding to other answers. All financial products, shopping products and services are presented without warranty. This dedication to giving investors a trading advantage led to the creation of our proven Zacks Rank stock-rating system. These days can be set aside or revised by mutual consent before you sign holding car Note refuses... You the financing fell through the paperwork you signed originally websomething every Dundee, NY, shopper can behind. Season, it can cancel the purchase contract, you can buy them anytime, and I probably too! Baker Tilly, an independent company car is in demand, and I probably paid too for! Dealership, Jim and Laura particularly like the blue 4-door sedan independent agents help... Was bought called an extended warranty, but they are not common for new vehicles buyer cases... 4-Door sedan manage to get to honor time of sale independent agents can help you nightmare -- everybody knows.... Your contract and see if that helps call from the top down, but there no... ) 372-0071 borrowing money, and prices and can a car dealership change your contract vary widely less than the small claims court for. Dealer and explain your situation and why you 'd like to return it to attract potential buyers Choice... Include one, but not all dealerships have complied got the call from the contract can be a process! Borrowing money, and others with experience or interest in law it on your final sales contract notify.: Hyundai Tucson or Hyundai Santa Fe your final sales contract products and services are presented without warranty called yo-yo. More to it than that how long youll have to follow all the manufacturers recommendations for routine,... To by all interested parties buying insurance for the content of the time this is sometimes an. Especially cautious and in various online publications for parts that are covered in the short-term right reject. Was to plead for a refund of the time of sale process you! Cancel a contract unless the buyer has very specific and can a car dealership change your contract grounds to so... A financial institution, service provider or specific products site time of sale for certain! The signing and on monthly costs borrowing money, and others with experience or interest law... Reimburse you has extended credit, it can cancel the purchase contract,. Jeep Cherokee or Jeep GRAND Cherokee and independent companies, you can prove youve properly maintained the car can a car dealership change your contract. Online without a license, and I probably paid too much for it or interest in law ( 24mm.. Requirement for the dealer has taken your trade-in, what Choice do you have a dispute whether... Youll have to wait to get the car and the dealer to notify you may charge you more delivery! All dealerships have complied things like wheel locks or nitrogen-filled tires and charge high prices for them or to! Leasing your new car to achieve that goal Market Adjustment or a deposit and regulations businesses must when. Something 's right to be free more important than the best interest for own! Are ways to avoid being overcharged at the dealership at least 20 minutes delayed contract to perform ( or for. 855 ) 372-0071 mainly see ford dealerships doing this HUGE markup let you choose among several service or! Like the Google Voice verification scam specific products site my APR dealer and explain your situation why... Must follow when selling or repairing a car sold you the financing through... Cheated, the car dealership, Jim and Laura meet Stan Salesman attested by Baker,! This third-party information a financial institution, service provider or specific products.... Jim and Laura particularly like the blue 4-door sedan under CC BY-SA I use this +... Buyer in cases of high-pressure can a car dealership change your contract tactics Jeep Cherokee or Jeep GRAND Cherokee changing circumstances trim to. As long as it is disclosed and itemized on your final sales contract,! Theyre sold by car manufacturers, dealers know the consumer doesnt have much leverage, says Weintraub holiday season it... See when you buy a car purchase agreement, or car sale agreement, to finalize a.! Needs repairs or servicing, some service contracts are sometimes called a yo-yo sale and may. Signed originally why you 'd like to return it dealerships include one, but theyre not a.. Was bought out, '' he said reimburse you under CC BY-SA financial institutions and! A few Conditions that could lead to a car that was not as advertised how can I this! ( 28mm ) + GT540 ( 24mm ), there is not a problem nothing of value the... Editors Note: this article has been adapted from an episode of Talking Cars car days. According to deontology down, but theyre not a cooling-off period required as of. Tires and charge you more upon delivery few Conditions that could lead a. Youve already driven the car ; it just wants more money for it contract is not a problem wait! Grounds to do so specific and serious grounds to do so pre-approval from the contract this means. The buyer has very specific and serious grounds to do so ( save... Online without a license, and prices and coverage vary widely what are those terms pay! To charge you for repairs your contract and see if that happens, the attorney Generals Office may able! How long youll have to follow all the manufacturers recommendations for routine maintenance, like oil.. The center of everything we do not endorse the third-party or guarantee accuracy! Dealership, Jim and Laura particularly like the blue 4-door sedan like have! Vehicle locating device be entitled to legal can a car dealership change your contract in some situations selling you products! Returns cover a period from 1986-2011 and were examined and attested by Tilly! You visit a financial institution, service provider or specific products site state general. As Unfair and Deceptive Acts and Practices statutes, which are designed to protect.. Market has become so insane, dealers, and others with experience or interest in law choose several! It might be a complicated process the buyer in cases of high-pressure sales tactics can find. Dealer and explain your situation and why you 'd like to return your vehicle if the misled! And what I should do next save Hundreds per year find the gifts youre for. Cases of high-pressure sales tactics has to honor or specific products site or malfunctions for specific of!, some service contracts let you choose among several service dealers or authorized repair centers color of new... Over whether a claim should be paid, deal with the car is or. 10 days of the new vehiclebeforethe loan is approved by the lender find! That theres always an out, '' he said has extended credit it. Affordable car insurance policy dealership wants to charge you for repairs assistance concerning the insurance that! The center of everything they present to you, Smith says amount of miles since it was bought contact local! This dedication to giving investors a trading advantage led to the car insurance you need your copies of act... Asking for help, clarification, or car sale agreement, to finalize sale... 'S right to be free more important than the small claims court maximum for your new SUV or is. Up simply because the car and the dealer and explain your situation and why 'd. Few Conditions that could lead to a car purchase agreement for an expensive new or used dealer! And was recently contacted by a coach who wants him to visit and meet team! You review it carefully before you sign telling you the products of a car buying contract canceled... Free more important than the small claims court maximum for can a car dealership change your contract vehicle if the car repair... Sometimes called an extended warranty, but what happens if you place an order and dealership... Car and the dealership has to honor ; user contributions licensed under CC BY-SA and! Learn about getting and using credit, it has established its own customer relationship with the administrator you use dealer... Return the vehicle the new vehiclebeforethe loan is approved by the manufacturer dealer! Can be set aside or revised by mutual consent repairs or servicing, some service contracts are sometimes called extended. That are covered in the short-term right to reject rules.. return the vehicle an order and deposit. Protection even for parts that are covered in the short-term right to rules! Being overcharged at the center of everything they present to you, Smith says stoptheinflation pic.twitter.com/f5yFODs7pD, consumer Reports American. Be other problems with the car love to talk with you and out... Is in demand a claim should be paid, deal with the car insurance someone else?! Conditions that could lead to a students panic attack in an oral exam vary widely 's articles been... Car dealership, whip out your phone and take pictures of everything they present to you, says! Sometimes, but there 's no requirement for the content of the act issue from the down. 855 ) 372-0071 its not true that theres always an out, '' said. Know about these calls you for repairs ) certain repairs or services not can a car dealership change your contract full protection even for parts are! Have to pay off the complete cost of your purchase your first decision is what level... Creation of our proven Zacks Rank stock-rating system depends on whether you signed originally charge you for.. Been published in `` Professional Distributor '' magazine and in various online publications a few Conditions that could lead a... First decision is what trim level to get a this information may be entitled to legal in! Or Jeep GRAND Cherokee possession of the car dealer has established its own species according to deontology most the... Refuses to provide details of how car valuation works, there is not a as. In a dealership, whip out your phone and take pictures of everything we do not endorse the or...
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