What Types of Insurance Should a Farm Animal Shelter Consider?

Operating a farm animal shelter is a unique endeavor that comes with its own set of risks and responsibilities. Shelter owners are tasked with providing care and protection for a variety of animals, each with specific needs and potential liabilities. Ensuring the well-being of these animals, the staff who care for them, and the property itself requires a meticulous approach to risk management. One of the most effective ways to mitigate these risks is through obtaining appropriate insurance coverage.

Insurance for a farm animal shelter is not a one-size-fits-all proposition. Shelters should consider a blend of policies that cover a range of potential issues, from property damage and liability concerns to care, custody, and control of the animals. Property insurance, for instance, can help safeguard against damage to the shelter buildings and contents caused by unforeseen events like fires or storms. Liability insurance, on the other hand, can protect the shelter from claims should a visitor or volunteer be injured on the property.

More specialized types of insurance may also be necessary. For example, if the shelter provides medical care or adoption services, professional liability insurance might be required. In addition, given that shelters have unique exposures related to the handling of farm animals, coverage for the animals themselves is essential. This may include mortality insurance, which could offer financial protection in the event of an animal’s death, as well as coverage for veterinary expenses should an animal fall ill or be injured.

The right insurance portfolio for a farm animal shelter protects not just the organization’s financial stability but also its mission: to provide safe haven and care for animals in need. It’s crucial for shelter operators to work with insurance professionals who understand the agribusiness sector and the specific risks associated with animal care to tailor a comprehensive insurance strategy that aligns with the shelter’s needs and goals. By doing so, farm animal shelters can focus on their commendable work, assured that they are prepared for the host of risks inherent in their noble cause.



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I visited different places at Camiguin after Manuel and I got home from Balbagon back to Balite. One day we went at the Old Volcano Walkway or the Walkway to Old Volcano and Stations of the Cross. The Walkway is located in Barangay Bonbon in Catarman, Camiguin about 15 kilometers away from Mahinog. The 8 kilometers long walkway presents the 14 stations of the Cross on the way to the peak of the cinder cone of the old Vulcan Daan. This cinder cone was created due to the eruption of Mt. Vulcan from 1871 to 1875. At present, the place offers a magnificent view of the Island born of fire, Camiguin. The Walkway gets sprucing up in May every year during the celebration of the Provincial Feast, the Panaad Festival.

It takes around 4 hours to climb the Walkway and then back down. The climb is not quite that dangerous but the climb consists of climbing stairs along the way. Parts of the way are very steep and at some parts you need to grip on the bars. It is good to take some water with you too because the climb is tough to do and I got thirsty then when we went to the Walkway. Many of the residents visit this place to climb the Old Volcano during holy week. Then you can see many people there bringing candles to light and recite their novenas.

Manuel and I went to the Old Volcano or Walkway, Camiguin Island when I was there last year on August 27, 2011. We planned to go hiking and want to explore more natural attractions in Camiguin since it was not my first time there. We went to the foot of the Old Volcano and started climbing to the stairsteps of the volcano. Some steps were very long but we were not in a hurry, so it was okay. It was humid and hot but what could make us do the whole steps. Along the way I managed to glimpse at the ocean which was visible from the foot to the first view deck. We continued climbing and then reached the first rest area where many benches were built and a shop selling water, soda, and ice candy. The Station of the Cross was also found here. It is the second station of the 14 stations or the so called “Aral ng Kwaresma” in the Philippines.

After some rest, we climbed to the next station, took some photos and then continued on our way to reach the final destination station which is the 8th station. We didn’t climb the way to the very top, we just came to the big Cross where most people make their stops. We sat in a shady place and took some fresh air. I had to take my headband because I was soaking with sweat, it ran on my face and I was wiping my it with my handkerchief. It was a good adventure at the Walkway where you could see stunning views of the green mountains, turquoise sea and white sand of White Island.

The peak of the Old Volcano can be reached within 20 to 30 minutes by riding in a Habal-Habal. On the other hand, most individuals and families prefer to hike to the top because it is more adventurous, healthy challenging and fulfilling. Before we went down to the foot of the volcano, Manuel and I prayed to the big Cross. He lighted two candles and then we descended to the foot of Old Volcano, stirring our minds over panoramic sights of mountain ranges and the crystal clear sea. The beauty of nature made us feel like staying longer but we couldn’t otherwise it would be late for us going home. Manuel had to go ahead of me because I preferred to stop and snap some nice photos to capture the stunning view of Camiguin from the very high place where it’s possible to see the whole northern part of Camiguin. It was a long way down but we made it without any bruises, it is advisable to wear a trekking shoe for safety. Have an adventure of life time there, visit Old Volcano in Camiguin and tell me of your trip!

The Walkway is not only for the local devotee, sports enthusiasts, nature lovers and tourist but for everyone who would like to experience a breathtaking and spectacular view of the Island Born of Fire.

Experts are predicting a pair of super moons coming our way this week with the occurrence of Phenomenon on Monday 21 January. Super moons occur when two occasional astronomical phenomena occur all night, said

Astronomical Association of the Philippines director, engineer Camilo Dacanay and lead science research specialist Venus Valdemoro.

We were at the other side of the beautiful island of Camiguin, at the Mintugsok waterfalls last Monday. It is located in Sitio Mintugsok, Barangay Bura in the town of Catarman here in Camiguin. This is one of the hidden treasures of Camiguin. It’s probably one of the virgin natural sites and forest reservations that the province has. It is also known as the forest reservation in Catarman. From the jump-off point to the falls, it’s about 2 kilometers away. It can be reached by walking and of course hiking because during the hiking we can pass many slippery hills and cliffs. We walked fast on the way following a small trail, which leads to the falls valley crossing some hilltops covered with bananas. On the trail path, we passed many kinds of ferns, beautiful flowers, and huge trees that shielded us from the hot sun. It’s a unique tropical rainforest and has abundant diversity.

We took a multi-cab on the way to Mintugsok Falls. We left home very early in the morning when the sun was shining brightly. We left so early so we could avoid the sun on our hike. Mintugsok Waterfalls is approximately 18km away from Mahinog, and it takes about 15 to 20 minutes to get to the center of the town of Catarman from there. After that, my brother-in-law took the lead at a small local store which was located on the side road and was the jump-off point to Mintugsok. Reyes, the hired guide was already waiting for us next to a motorbike together with some locals nearby. There is no public transportation like jeepneys or buses only private vehicles and hired motorbikes “habal-habal” that can take tourists to the jump-off area.

I’ve been to many falls in Camiguin but I wasn’t able to explore them all before because my time wasn’t long enough. That’s why I tried to travel around the island to explore some of the other natural wonders of Camiguin. Manuel and I together with my family adventured on the trail in Mintugsok Falls. It was the first time for most of us and accepted the cool adventure that morning.

We just took our small backpacks along and packed with snacks, cookies, two bottles of water, sandwiches, cameras, first-aid kit and extra clothes. We started to walk on our way to the falls at 6:00 o’clock. Upon arrival at the forest reservation area, Reyes the guide briefed us with some rules, regulations and the safety precautions for our own protection. After that, we were required to register and log- in for the hiking trip. The maintenance staff handed out the log- in and out sheets for the guests and asked for optional donations for the entrance fee. It’s a must to respect this kind of procedure every time when people visit the place.

The first time my foot touched the dirt road going to Mintugsok Falls, I realized already that the place is abundant of tall trees, different wild flowers, butterflies and unique nature surrounding us as far as I could see. It was an amazing feeling to explore the island that has its well-preserved resources that made me more proud of the place where I was born.

The hiking way we took was not that dangerous but in some areas it was very slippery and steep, but to be a good sport, I didn’t slide down the hills with my butt. We took brief stops to take a rest for a couple of minutes and drank some water to regain some strength of course. I would say it was a little bit exhausting but I didn’t complain then when we descended the hills and climbed up the cliffs. The Mistugsok river valley that enjoy cool climates almost year round.

We finally made it to the bottom of the valley with intact forest, greeneries with thick grass and small river with abundant fish swimming in the clear running water. We sat on the big rocks, ate our snacks and the heartwarming mountain spring water. When I looked up and saw the giant trees with their huge trunks and shady falling leaves. The typical plants I saw were banana and coconut trees with ferns and other kinds of shrubs. These plants can grow only in volcanic soil like in the reservation of Catarman. That’s why I figured out that many provinces in the Philippines and Catanman are rich in volcanic soil because there are mountains nearby.

We set out on our way again after eating our snacks and took some pictures. With only a short distance over uneven hills, over rocks and slippery ground, we finally rested our feet down at the falls. The noise of the falls heightened my excitement and couldn’t wait. Oh boy! It was an amazing view when we got there. The secret falls was stunning and it was really worth the walk. There nestled in the lush vines and plantings was the white water gleaming in the sunlight. The sound of the water that came down from the steep rocks was like music to my ears. My family and I immediately splashed ourselves in and went swimming in the natural pools created from the crystal clear water. The chill of the water against the warm stones on my skin was so refreshing and within minutes we were all in the water, it was picture perfect. We chat and laugh while we swam around in the water. It was absolutely beautiful and the time we spent there was really great and relaxing.

At Mintugsok Falls, I saw different species of butterflies and wild flowers that fluttered and bloomed on the sides of the hills. It’s a unique and fascinating place to visit in Sitio Mintugsok, Barangay Bura, Catarman, Camiguin Island.

The beautiful natural falls is really a good place for camping, excursions, picnics, and adventure for everyone who likes to explore nature with family and friends. Don’t forget to check the site.

Generally public busing is regarded as the right and practical kind of community transport in Cebu, soft and comfortable unless it is usually full plus your travel period is long. Individuals travelling with companions or a lot of luggage will dsicover difficulty transferring onto it. But if you aren’t familiar with the paths of the vehicles, it you should attempt to consider the taxi cab, college bus or carousel.

The taxi taxi in Cebu is great and cheap to use when you want to look somewhere, company, shopping or wherever you should go. Whenever we come in Cebu, my hubby and I generally take the taxi cab if you want to look some destination to travel around, since when you merely cannot hold your cash and waste materials to get us going simply for that given day. And thinks just of the satisfaction you have utilizing the people who sincerely allow you to with bringing the hand bags to the automobile or provide you with the way to the location you are going.

I have dark frizzy hair, tan skin and I look a Filipina and I seated in leading seat of the taxi cab. I recall my English hubby and my boy went in the taxi from Macro after we completed our food shopping and the taxi cab driver asked me in the event that you volunteer where we come from and what place in Cebu we stay. Because they’re new to the area. My hubby replied, that people result from Cagayan de Oro. I linked to the taxi drivers that my hubby, who’s English and my child, are fresh in Cebu for vacation. That’s when the taxi drivers said, that he continues to be offering service for foreigners which makes him alert to every thing I ask him.While driving Malcolm and I loved the new sights, and the numerous small stores just across the road. It was also nice to peer out to observe what was taking place, as the streets get the villages and using the taxi we had the ability to be taking pleasure in as being a tourist. We ran into challenging and disorderly traffic and when we noticed traffic congestion, the drivers made a detour to the medial area roads instead of waiting around showing the lengthy queue to surpass, it was simple to him. Oh yes again, taxi drivers here in Cebu are intelligent of the greatest available path as to prevent the traffic jam which is good.

Taxi motorists in Cebu understand where they’re going and the recognize of the place in the area. When you want to take the cartoon on pads at the traffic open public to Ayala Center shopping mall or Saturn mall, and wherever you would like to go, just let them and immediately they know the region through the safest, fastest plus much more convenient path. Taxi cab drivers perform play differing people, they come in different sizes and shapes. Some taxi motorists have become supportive, some are sort and invite while others are sarcastic and aloof, as well as others who can speak the Karen vocabulary. But I find warm words to talk about with some taxi motorists, because you can speak right to them. And thoughts is broken sited in the trunk chair, you find accepted from everyone.

In most taxi cab in CEbu, you are not allowed to smoke cigars in the taxi cab and that is right to other folks who not want to sniff the cigarette the motorists don’t enable you to smoke. Most of our taxi cab motorists in Cebu, Philippines are friendlier of the overseas passengers and in comparison to many countries, we’ve no with underpaid taxi travelers.

And the probably dual pork on fares within the fare meter standard, that individuals pay after every trip. Taxi cab fares are extremely reasonable and incredibly low in my homeland Cebu Philippines. If you are using the taxi cab please start to see the substantial sign on the trunk of the trunk chair of the taxi cab. And let me tell me concerning the taxi encounters and enjoy vacationing in Cebu and other places in the Philippines. I am hoping you possess the best taxi encounters!

The metro area of Tokyo, and the surrounding areas of Yokohama, Kawasaki and Saitama form the world’s largest city in terms of population size. More than 35 million people commute between the home and work places on Tokyo’s vast interconnected system of railway and subway lines. Read below to learn more about Tokyo sightseeing and its state-of-the-art train system.

Tokyo Rail System

Except for short distance intra-city travel, the rail system is the principal means people get around in Tokyo. There are more than 50 separate lines operating in Tokyo alone, serving a combined four and half billion passengers in 2006 alone. As more people move into greater Tokyo, the need to expand the city’s rail system and integrate it with existing lines is growing. Any sightseeing plan for Tokyo will need to reference the below listed train lines and companies to help familiarize with the city’s geography.

JR East

Japan Railways (JR) is Japan’s largest railway group. It has 6 regional companies and functions as the nation’s largest travel agency. A good place to start a sightseeing tour of Tokyo is Shinjuku Station, located within the area of the city also called Shinjuku. Shinjuku is both a popular and important business and leisure district and Shinjuku Station serves JR as well as a number of private train lines. The station is the world’s busiest train station, serving more than 3.6 million passengers each day. The station has 36 railways platforms, including the nation’s first New South Entrance, which opened in February 2008. In addition, the JR section has bus terminals and 200 exits. Some leading destinations on the JR lines (bordering downtown Tokyo) include Ikebukuro, Ueno, Asakusa, Akihabara and Tokyo Station (Marunouchi).

JR East runs several other commuter lines in Tokyo, such as the Chuo Line, Sobu Line, Keihin-Tohoku Line, Yamanote Line and a few others. For travelers willing to venture outside Tokyo, the company also runs JR Central, JR East and JR West, which each reach several other prefectures.

The Subway System

The Tokyo Metro Co. and the Tokyo Metropolitan Bureau of Transportation jointly operate Tokyo’s complex subway lines. The 8 lines in the Tokyo Metro are the Ginza, Marunouchi, Hibiya, Tozai, Chiyoda, Yurakucho, Hanzomon and Namboku Lines. The Tokyo Metropolitan Bureau operates the Asakusa, Mita, Shinjuku, Oedo, and Toei Lines. As the train system in Japan almost always runs on-time, adds more passengers and services more area, there are plans to expand and build more lines in the near future.

Of course, there are also handy English resources including maps, station guides, transfer guides, etc. Consult the Tokyo Sightseeing Guide for more detail on Tokyo’s information and transport hubs and railway station guides. And don’t forget to book your Japan hotel early.

Accommodation Choices

Tokyo is a true world-class international city ranking among the most expensive cities on the globe. Yet, the city offers a vast array of accommodations, ranging from budget to family-type hotels and luxurious resort hotels. There are plenty of choices for Asian and Western food in the metropolitan hub city. So, when you feel the need to refuel, just step back and let the ‘flavor waves’ crash over you. Whether its Japanese cuisine and porridge (okayu), Chinese food in Yokohama, an American hamburger in Shinjuku or Korean yakiniku in Kabukicho, your taste buds will surely find satisfaction in Tokyo. When it comes to eating and dining out, Japan is really on to something. You may even get lucky and experience the incredible all-you-can-eat cake buffet at Pocket Tokyo near Ueno Park.

Learn More About Tokyo

Tokyo combines ancient history with state-of-the-art modernity. So does its trend-setting society and brand-obsessed, youth-oriented culture. With over 50 districts, each with unique sites and events, the multitude of options available in Tokyo will require advance sightseeing planning. With the city’s continuing population growth, you will no doubt be joining many other travelers when you visit this incredible mega-city. And that is just one more reason to depend on the city’s subway and rail systems to get around.

In compiling this information, I talked with several Tokyo residents, as well as corresponded with personnel at the Japan National Tourist Organization (JNTO) and the Tokyo Convention and Visitors Bureau. But, of course, the best way to accumulate knowledge about Tokyo is to visit Tokyo and see it up close and personal.

Mabini Shrine, Ancestral home of Mabini is situated in Talaga, Tanauan City, Batangas. The province is one hour drive going south from Manila approximately 70km. Batangas is the birthplace of revolutionary leaders, national heroes and other prominent people in Philippine history. In Batangas you can also find beaches, dive spots and homegrown products that are of great demand in the market.

The Villa of Apolinario Mabin was built in the early part of the 19th century in Tanauan, Batangas. It was later transferred


Livestock Insurance

Livestock insurance is a crucial aspect of the agricultural industry, particularly for farm animal shelters, as it provides financial protection for farmers and shelter operators against the risk of loss due to events such as death, illness, or injury to their animals. This type of insurance can help mitigate the financial burden associated with replacing animals or dealing with veterinary costs that may otherwise be overwhelming for the operation of a farm animal shelter.

Considering the types of insurance a farm animal shelter should consider, apart from livestock insurance, there are several other important policies to keep in mind:

– **Property Insurance**: This covers losses to the physical assets of the farm, including buildings and personal property within them, from perils such as fire, storm damage, theft, and vandalism. For an animal shelter, this would protect the infrastructure that houses the animals and other essential equipment.

– **General Liability Insurance**: Liability insurance is paramount as it protects against legal and medical costs that may arise if visitors, volunteers, or employees are injured on the property. It can also cover incidents such as animal bites or damage caused by the animals to others’ property.

– **Business Interruption Insurance**: In the event of a disaster that disrupts the normal operation of the shelter, business interruption insurance can help replace lost income and cover operating expenses until the shelter is back in normal working order.

– **Workers’ Compensation Insurance**: If a farm animal shelter employs staff, workers’ compensation insurance is essential. It covers medical expenses, lost wages, and rehabilitation costs for employees who are injured on the job, which is particularly relevant in the physically demanding and potentially hazardous environment of animal care.

Each of these insurance types plays a vital role in the comprehensive risk management strategy of a farm animal shelter. By addressing the diverse range of risks associated with caring for animals and running a shelter operation, the right blend of these insurance types can help ensure that a shelter can continue to function effectively, even in the face of unexpected events.


General Liability Insurance

General Liability Insurance is a critical coverage for farm animal shelters as it provides protection against claims of bodily injury, property damage, and other liabilities that could occur on the premises. It serves as the first line of defense in case visitors, volunteers, or employees claim that the shelter’s operations caused them harm or damaged their property. In the context of a farm animal shelter, where public visits could involve interactions with animals, the potential for accidents or unforeseen events necessitates this type of insurance.

In detail, general liability insurance typically covers legal fees, medical expenses in case someone is injured, and certain damages if the shelter is found legally responsible. For example, if a visitor trips over farm equipment during a tour and incurs medical expenses, or if a shelter event leads to personal property damage, general liability insurance could cover these costs, subject to policy terms and limits.

Moreover, when operating a farm animal shelter, there’s a range of risks that could give rise to liability claims. These could include injuries from animal bites or kicks, allergic reactions to animal hair or feed, and slip-and-fall incidents on the property. Given that shelters often involve a mix of staff and volunteer presence, liability risks are further compounded, emphasizing the importance of having robust insurance coverage.

In considering the types of insurance a farm animal shelter should consider, several are essential:

1. **Property Insurance**: This insurance helps protect the shelter’s physical assets, such as buildings, barns, fencing, and equipment, from damage or loss due to a variety of risks, including fire, theft, or natural disasters.

2. **Livestock Insurance**: Essential for farm animal shelters, livestock insurance can offer reimbursement for the animals in the event of death from covered perils or specified diseases. This could be particularly important for shelters that house rare or valuable breeds.

3. **General Liability Insurance**: As previously detailed, it covers various claims of injury or property damage related to the shelter’s operations.

4. **Business Interruption Insurance**: In the event that the shelter must cease operations temporarily due to a covered peril, this insurance can help cover lost income and ongoing expenses, allowing the shelter to recover without devastating financial impact.

5. **Workers’ Compensation Insurance**: For shelters with paid employees, workers’ compensation insurance is usually a legal requirement and provides benefits to employees who suffer work-related injuries or illnesses.

Each type of insurance has specific applications and importance in the overall risk management strategy of a farm animal shelter. Therefore, an appropriate mix and depth of coverage are crucial to ensure thorough protection against the diverse range of risks associated with caring for farm animals and interacting with the public.


Business Interruption Insurance

Business Interruption Insurance is an essential type of coverage for any business, including farm animal shelters. This form of insurance provides financial support to a business if it is forced to cease or limit operations due to unforeseen circumstances. For farm animal shelters, these circumstances can be diverse – ranging from natural disasters like floods, fires, or severe storms, to other incidents such as the outbreak of disease within the shelter that may require quarantine and cessation of regular activities.

When operations are halted, a farm animal shelter not only loses income because it cannot offer its usual services or activities, but it also continues to incur regular operating expenses such as animal care, feeding, and salaries for employees. Business Interruption Insurance can help cover these continuous operational costs and any loss of income, making it possible for the shelter to survive a disastrous event financially.

For a farm animal shelter considering insurance options, it is imperative to evaluate the potential risks to operations and have a policy tailored to meet these needs. In addition to Business Interruption Insurance, there are other types of insurances that a farm animal shelter should consider:

1. **Property Insurance**: This type of insurance is crucial as it covers the shelter buildings and contents in the event of damage or loss due to events such as fire, theft, or natural disasters. Given that shelters house animals, medical equipment, feed, and other essential supplies, property insurance is vital to ensure that these assets are protected.

2. **Livestock Insurance**: This insurance offers protection specifically for the animals in the care of the shelter against risks such as death due to accident, injury, or disease. This can be particularly important given that shelter animals may be more susceptible to health issues or accidents.

3. **General Liability Insurance**: This insurance protects against legal claims and lawsuits that may arise from incidents occurring on the premises or as a result of the operations of the shelter. Examples include a visitor getting injured on the property or a shelter’s activities causing damage to a third party’s property.

5. **Workers’ Compensation Insurance**: This coverage is for employees of the shelter and provides benefits if they are injured or become ill due to their job. Given that working with animals can pose various risks, workers’ compensation is key to protecting staff and the organization.

In essence, these types of insurance collectively offer a comprehensive shield that secures the financial and operational stability of a farm animal shelter. By enabling them to cope with the challenges that disruptions, lawsuits, employee injuries, or property damage present, these policies ensure that shelters can carry on with their critical mission of caring for animals in need.



Workers’ Compensation Insurance

Workers’ Compensation Insurance is a fundamental necessity for farm animal shelters, as it provides coverage for medical costs, rehabilitation, and lost wages for employees who sustain injuries or illnesses in the course of their job. This type of insurance is not only crucial for the well-being of staff, but it also shields the shelter from potential lawsuits and financial liabilities associated with workplace accidents.

Farm animal shelters often involve a variety of tasks that could pose risks to employees, such as handling large or unpredictable animals, operating heavy machinery, or performing labor-intensive duties that can result in injuries or long-term health issues. Workers’ compensation coverage ensures that in the event an employee is hurt while performing their duties, they receive the necessary medical attention without the burden of the cost falling solely upon them or the shelter.

Moreover, in many jurisdictions, having workers’ compensation insurance is mandated by law for businesses that employ a certain number of workers, including non-profit organizations like farm animal shelters. Not adhering to these legal requirements can result in hefty fines and legal troubles, which could damage the reputation and financial stability of the shelter.

Apart from workers’ compensation insurance, farm animal shelters should consider the following types of insurance to ensure comprehensive protection:

**Property Insurance**: This covers the shelter’s physical assets from damage due to events like fires, storms, or vandalism. Given that shelters house living animals and potentially expensive equipment, this insurance helps to protect against significant financial losses from unforeseen damages to the property or its contents .

**Livestock Insurance**: This type of coverage is essential for shelters that house valuable animals. It can protect against financial loss due to death or injury of the animals resulting from accidents, illness, or other covered events.

**General Liability Insurance**: This kind of insurance provides protection against third-party claims of property damage or bodily injury. It’s important for farm animal shelters in case visitors, volunteers, or anyone else not employed by the shelter gets injured on the premises.

**Business Interruption Insurance**: If an unexpected event forces the shelter to shut down temporarily, this insurance can help to cover lost income and expenses, ensuring the continuity of operations during hard times. This can be particularly useful if the shelter relies on public visits or other operations that could be interrupted.

Choosing the right combination of these insurance policies helps ensure that a farm animal shelter can operate effectively without facing financial devastation from accidents, natural disasters, or litigation. Properly managing these risks through insurance not only protects the shelter but also supports its mission to provide a safe haven for animals in need.


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