Get Expert Help With Your Financial Statements

January 21st, 2012 by Bank Loan | No Comments | Filed in News

Get Expert Help With Your Financial Statements

Article by William Douglas

Running your own business involves a lot of overlapping areas of expertise, from conceiving of new products, bringing them to market, getting vendors for parts in place, and so on. As your business grows, the fundamental question of “where the money is” becomes more important – there’s more to financial statements than just the monthly balance on the company checking account.

Good financial statements need to list the following four items: Balance sheets (what the company owns in terms of equipment, inventory and other tangible assets), income statements (what the company expects to earn) cash flow statements (what the company expects to spend relative to what it’s taking in), and shareholder equity statements.

While none of these documents are particularly challenging to compile, for a lot of small businesses, they become tedious – when reconstructing your sales sheet for a calendar quarter feels like digging through an archeological dig, it results in the business shutting down every quarter for financial preparation time, or the end of the calendar quarter turns into a frantic period where everyone’s trying to make up for the regular statements that should’ve been done every week or before.

Even worse, if you’re trying to get your business financial assistance with a loan, federal grant, or bringing in a new investor, you’ll have to make these statements ready to be viewed – and they can mess up the entire deal.

This is why, even if you have the capabilities of doing them in house, unless your business is large enough to have an internal accounting division, or, even a professional accountant or bookkeeper on staff, it’s better to have a professional go over these statements for you and prepare them for you. Much the same way that you’d get a certified electrician to upgrade your power lines, or have an attorney who specializes in business law go over your statements for a merger or acquisition, having a professional accounting firm audit your books and prepare these quarterly financial statements allows you to use the expertise of someone who does this routinely, rather than turning it into the mad quarterly scramble to write the 10-K in time for the IRS.

In addition to ensuring that these important financial statements are done correctly, this also lets you focus on the tasks needed to be done to grow your business. One of the hardest rules in running a business is learning when to delegate, learning when to move a task off of the founder’s desk and into the desks of employees in the business, or outside the company for paid professional help. As the business owner, you should be focusing on the long term strategic vision of your business, how to make it grow, and keeping an eye out for untapped markets, not preparing financial statements.

William Douglas Management has been providing quality association management services to North Carolina and South Carolina since 1980 focusing on Homeowner and Condominium Owner Association Management .










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Seattle Mortgage Expert, Michael Sanborn, Says Look ‘Both Ways’ Before Crossing the Mortgage Highway

November 29th, 2011 by Bank Loan | No Comments | Filed in Loans

Seattle, WA (PRWEB) March 10, 2011

Mortgage broker and expert, Michael Sanborn, says there are seven absolutes every borrower should consider before making a final decision on a lender.

1.????Choose a Lender Wisely — Statistically, borrowers who opt to go directly to a bank for a mortgage, do so because they have a banking relationship; possibly even just a checking account with that institution, says Sanborn. This may not be the best reason to use a bank as the source for a new home loan.

2.????Understand a Brokers Role — Borrowers who work with a mortgage broker will get wholesale direct interest rates, Sanborn says. But even mortgage brokers may not always produce a savings due to the high compensation many of them are looking for. Borrowers must be savvy on this point knowing precisely what the mortgage broker compensation is. http://www.saintlawrencemortgage.com/learnmore.html

3.????Know What You Are Buying — Most borrowers do not consider that they are actually making two purchases when buying a home, Sanborn says. They are buying the home and the home loan.

4.????Make It Tangible — Sanborn notes that, borrowing money is the same as buying a product, like a car. In this case borrowers pay to have a lump sum of money. There is generally one source or manufacturer of that money when it comes to mortgages.????There are simply opportunities to pay more or less for the loan product.

5.????Understand the Source — Sanborn says that virtually all 30 year fixed rate mortgage loans are originated to be sold immediately to Fannie Mae or Freddie Mac. So while borrowers should not consider banks as the manufacturer of loans, as they would consider Ford or Chrysler the manufacturer of cars, a mortgage loan is somewhat like buying a Ford or Chrysler product from a dealer. You want to pay as little as necessary to get that new car, but you cant buy directly from the manufacturer, i.e., Fannie Mae, either, says Sanborn. Banks will sell direct to consumers, but they also offer wholesale pricing to mortgage brokers. In other words, most major bank lenders offer improved pricing through wholesale lending versus retail lending and that is where an honest mortgage broker can provide savings for borrowers.

http://www.saintlawrencemortgage.com/learnmore.html

6.????Get What You Pay For — Mortgage brokers should have the borrowers best interests in mind when finding the right lender and lowest wholesale rate and they should be paid for this service, says Sanborn. This is generally the better option because loan officers at a given bank are not going to send borrowers down the street for a better deal.

7.????Get It On Paper — When opting for a local mortgage broker, Sanborn says it is vital that borrowers validate a fully licensed broker which can provide references.

Sanborn is the owner of Saint Lawrence Mortgage, a mortgage broker firm which operates on a flat fee basis, rather than a percentage basis. Operating in Washington and Idaho, Saint Lawrence Mortgage is also a registered member of the Upfront Mortgage Brokers Association, UMBA. http://www.saintlawrencemortgage.com/learnmore.html

Our flat fee compensation model means that borrowers do not pay more for borrowing more, said Sanborn. For example, we recently completed a $ 200K loan for a client who had first attempted to get a loan on his own with the exact same rate and lender. By working with Saint Lawrence Mortgage, the cost of his loan was lowered by $ 1900.????

About Saint Lawrence Mortgage: http://www.saintlawrencemortgage.com/learnmore.html

Saint Lawrence Mortgage is a member of the Upfront Mortgage Brokers Association and is committed to honest, upfront and objective consultation to all clients. In 2004 Saint Lawrence Mortgage, LLC pioneered the flat fee/wholesale rate program so borrowers do not pay more to borrow more. http://www.saintlawrencemortgage.com.

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Shop.org Annual Summit Brings Engauge On to Offer Expert Website Critiques to Retailers

November 26th, 2011 by Bank Loan | No Comments | Filed in Bank

Atlanta, GA (Vocus) September 19, 2009

Engauge, a total marketing solutions agency, will offer expert website critiques at Shop.org’s Annual Summit through their specialized “Doctor is In” track. Melissa Read, Ph.D., Engauge’s VP of Research and Innovation, will lead two days of professional sessions. The conference takes place in Las Vegas, September 21-23.

During each afternoon of the summit, retailers have the opportunity to reserve a private 20-minute session with one of 14 industry experts who will critique specific aspects of their website and provide tactical and practical solutions. Dr. Read will provide sessions grounded in an extensive background in consumer psychology, a keen understanding of human behavior in the digital space, as well as industry best practices in usability and content design.

Engauge’s Dr. Read will also lead a roundtable session on Tuesday, September 22nd from 4:15-4:45pm. A part of the Customer Experience group, the roundtable is titled “Psychology: The Blueprint for Outstanding Digital Marketing to Women.”

“In retail, a website can be a shopping destination or it can be a vehicle for driving sales in-store; or even both,” says Dr. Read. “We’ve found that many retailers dont yet understand how to drive and measure the vehicle piece, which is key. So we work with retailers every day to learn about the customer flows on and off the web, and then carefully design digital properties that drive measurable ROI both on and offline.”

For more information about Shop.orgs Annual Summit, visit http://www.shop.org/summit09.

About Engauge:

Engauge is one of the nations largest independent marketing agencies, helping leading brands connect data-driven insights with creative ideas to fuel business growth. Engauge leverages a complete portfolio of marketing expertise – spanning all areas of traditional, direct and digital marketing – to drive measurably effective programs for clients. The agencys roster of clients includes Kraft Foods, The Home Depot, Best Buy for Business, Sony, NGK and Huntington Bank. Engauge is a portfolio company of Halyard Capital and has offices in Columbus, Austin, Atlanta, Pittsburgh and Orlando. Learn more about Engauge at http://www.engauge.com.

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Expert to Bring Area Families Much Needed College Planning Advice

November 24th, 2011 by Bank Loan | No Comments | Filed in Loans

Brighton, Michigan (PRWEB) May 20, 2011

As the cost of a college education continues to rise and traditional funding sources get harder to find, Lake Trust Credit Union will host a no-cost seminar with financial aid expert Melissa Hunt at 6:00 p.m. on Wednesday, May 25, at the Brighton District Library, 100 Library Dr., across from Meijer. The seminar will not only explain various forms of student financial aid, including scholarships, grants, federal student loans, and private student loans, but also provide practical advice on the application process.

?In these challenging economic times, it?s more important than ever for students and families to fully understand their financial aid options and plan accordingly,? said Hunt. ?By maximizing no- and low-cost financial aid, choosing student loans carefully, and developing proper money management skills, it?s still possible for students to leave college with a bright financial future and not just a mountain of debt.?

With more than 20 years of experience in the financial services industry, Melissa Hunt is passionate about addressing the financial needs of young adults. Hunt serves as the Vice President of Business Development at Credit Union Student Choice, Lake Trust?s student lending partner. She combines her many years of youth outreach background with extensive product knowledge to deliver important financial education that?s easy to understand and apply. Hunt has been a featured speaker across the United States and has helped thousands of families maximize free and low-cost sources of financial aid while providing much-needed education on the role of private student loans in filling funding gaps.

?We?re thrilled to be able to bring this valuable resource to our members,? said Nicole Piche, Lake Trust?s Student Lending Specialist. ?The cost of higher education continues to rise, and we are happy to create valuable education and dialogue around its funding process. We encourage the community to bring their questions and are confident they will be answered by our expert.?

This seminar is free and open to the community, but seating is limited. So, register today by calling 517.267.7171 or visiting http://www.laketrust.org/Seminars_120.html.

Lake Trust Credit Union, as Michigan?s fourth largest credit union and headquartered in Lansing, stretches from Lake Michigan to Lake Ontario and Lake Erie. More than $ 1.6 billion in assets and 21 branches strong, Lake Trust provides its almost 158,000 members best-in-class products and offers individualized, trust-based member service. Membership is open to anyone within its 35-county service area. Learn more about Lake Trust Credit Union at laketrust.org.

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Financial Expert John Dubots: We’re Seeing The Sacrificing of the US Dollar

November 12th, 2011 by Bank Loan | No Comments | Filed in Forex

Temecula, CA (PRWEB) June 24, 2009

Recent exchange rates of the US dollar confirm that the dollar is losing its value compared to other world currencies.

Financial services expert John Dubots commented on this news at his blog, http://www.johndubots.com.

“Earlier this year, I believe a conscious decision was made to sacrifice the US Dollar in an effort to rescue the troubled economy,” Dubots wrote.

Despite assurances from Treasury Secretary Timothy Geithner (Financial Times, May 21, 2009) that a strong US dollar remained a priority, the dollar continues to devalue against many other world currencies, according to Dubots.

Geithner told the House of Representatives his “basic obligation is to make sure that we put in place policies that sustain confidence in this economy, in our currency, that we sustain a strong dollar, that we retain what is a great strength and asset to this country, which is the most deep and most liquid markets for Treasury securities in the world,” the Financial Times reported.

Meanwhile the US Dollar continued to devalue.

As of May 30, 2009, the US Dollar held the following exchange rates, compared to other world currencies and gold, according to currency-conversion site xe.com:

1 Euro = 1.41366 US Dollars

1 Canadian Dollar = .917180 US Dollars

1 Australian Dollar = .800769 US Dollars

1 Swiss Franc = .937302 US Dollars

1 Brazilian Real = .506945 US Dollars

1 Ounce Gold = 980 US Dollars

Compare those numbers to numbers from just two-and-a-half months ago (March 15, 2009) and note the change:

1 Euro = 1.29342 US Dollars US Dollar Down – 9.29%

1 Canadian Dollar = .78661 US Dollars US Dollar Down -16.59%

1 Australian Dollar = .65864 US Dollars US Dollar Down -21.57%

1 Swiss Franc = .84409 US Dollars US Dollar Down -11.04%

1 Brazilian Real = .43678 US Dollars US Dollar Down -16.06%

1 Ounce Gold = 931.25 US Dollars US Dollar Down -5.23%

Why such a steep decline? Dubots attributes the fall to the government’s ‘quantitative easing.” In layman’s terms, quantitative easing is printing money in an effort to seed the financial system, an effort that will cost us, according to Dubots.

In spite of the Fed’s efforts, its worst nightmare, deflation, is persisting, as the Chicago Report recently confirmed.

Released on May 29, 2009, the report, which measures several areas of the economy, confirmed prices are continuing to fall even though the Fed is furiously pumping money into the economy.

According to Dubots, the bottom line is that the Fed’s actions to stimulate the economy aren’t working, and the US Dollar is being devalued in the process. Investors should look for this trend to continue long term, if the Fed continues its policy of quantitative easing, and gold prices are likely to continue to rise.

In Dubots’ opinion, the actions of wise folks in this type of market can best be summed up with the following acronym: R.A.P.

Raise cash on rallies

Use Absolute returns* money-management methods

Own some Precious Metals

For a full copy of Dubots’ most recent market report, click on: http://www.johndubots.com.

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Expert Provides Advice on Making Football a Relationship Turn-on

November 8th, 2011 by Bank Loan | No Comments | Filed in News

(PRWEB) November 04, 2011

New York, NY: Each day people are making trades on their fantasy football leagues, picking their players etc. Fantasy football is an interactive, virtual competition in which people manage professional football players versus one another and that allows people to act as general managers of a pseudo-football team. In a survey http://bit.ly/3iixC by the Fantasy Sports Trade Association its estimated that 32 million people age 12 and above in the U.S. and Canada played fantasy sports in 2010. Participation has grown over 60 percent the past four years with 19 percent of males in the U.S. playing fantasy sports. This is an addiction for some men/woman but a much healthier addiction than adultery or perhaps substance abuse.

Saturdays and Sundays men and women are glued to their TVs at home or at a sports bar to catch their favorite team in action. Dr. Bonnie counsels patients that feel second rate to their husbands football game or team. “Its time woman and men to understand if you can’t lick em’ then join em’! Guys get turned on by football, now its your turn to. Don?t get turned off- Get turned on” says Dr. Bonnie Eaker Weil. Don’t let your partners interest turn you away or upset you, take interest in them. “Learn some players, some plays and discuss them with him, who knows, you may be surprised when he/she starts taking an interest in your interests as well,” suggests Dr. Bonnie.

Some tips to bring the “fantasy” into Fantasy Football:


Make love during halftime when the man is excited
There is no better sex than after a good game
Wear sexy clothing during the game, if just you two at home. Some sports team have lingerie etc

Dr. Bonnie Eaker Weil, PhD, author of the 2010 NY Times Reader?s Choice Award winning book Make Up Don?t Break Up with accompanying DVD Falling in Love and Staying In Love counsels couples considering breaking up, people who have committed adultery, and couples who want to strengthen their relationships damaged by resentment or unresolved anger, teaching people to ?fight? to increase passion, bring back magic and restore the sizzle. Dr. Bonnie teaches Smart Heart Dialogue along with communication and connection tools, and counsels families and children.

Known as ?The Adultery Buster? and the ?No. 1 Love Expert,? she is the best-selling author of Adultery: The Forgivable Sin (adapted into a Lifetime movie starring actress Kate Jackson) Coming Nov 2011 as eBook, Make Up Don’t Break Up, Finding and Keeping Love for Singles and Couples (Revised edition Feb 2010, including DVD How to Fall in Love and Stay in Love for Singles and Couples), Can We Cure and Forgive Adultery?, How Not to (S)mother Your Man and Keep a Woman Happy, and Financial Infidelity.

Dr. Bonnie has appeared on a Discovery Health documentary titled “Unfaithful” and A&E on addictions. ABC?s Good Morning America, a three-day series on NBC?s The Today Show, The Oprah Winfrey Show five times, a four day series on Fox TV regarding dating. She appears frequently on ABC, Fox, CBS and NBC News, The View, 20/20, and CNN. Visit Dr. Bonnie at http://www.DoctorBonnie.com.

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Will Forex Cash Bot Expert Advisor Make You High Forex Profits?

August 25th, 2011 by Bank Loan | No Comments | Filed in Forex

Will Forex Cash Bot Expert Advisor Make You High Forex Profits?

Article by Forex Leo

For those who have tried to make money from the Forex markets before and failed the Forex Cash Bot Expert Advisor could provide a solution. In order to make high profits from trading, Forex traders are looking to make use of automated trading strategies to trade on their behalf and increase the level of profits that they make from the markets.

Around the world many traders are now making use of the complex statistical algorithms that these systems are programmed with to set their trading on auto pilot.

Designed as an Expert Advisor for MetaTrader, Forex Cash Bot is an automated Forex strategy. This system offers a fully hands-off, automated method of trading on the currency markets.

The robot is easy to use and comes both with full instructions for installation. When the system has been installed, all you need to do are a few configuration changes in order to be up and trading.The Forex Cashbot system uses a Hedging trading strategy. This strategy helps the robot to mitigate any unforeseen market moves. This works by opening a second trade on a currency pair if the market moves against the first opened trade. The central purpose of this approach is to lower risk by countering any unforeseen market moves.The strategy aims to help minimise the risk from trading by incorporating a set of money management tools. The percentage of capital placed on each trade outcome can be adjusted as well as the level that the profit and stop loss levels are set.

Many Forex systems suffer from a dip in performance at some point following release. This is normally the result of the ever changing dynamics of the currency market. However the Forex Cash Bot strategy is non market specific and is able to use its strategy to make money from the markets no matter what their current dynamic.

The use of automated trading is often pitched as providing traders with a guaranteed way of profiting from currency trading. This is course a falsehood and systems will mostly fail to live up to their initial launch hype. The approach used by Forex Cash Bot has however received good feedback from traders who have so far experienced the ability of this system to perform.

While it is always advisable to develop your own knowledge of the Forex markets, the Forex Cash Bot robot could well provide you with a winning solution. In this way you will then be able to create yourself an additional income from the markets automatically.

Learn about the profit potential of the Forex Cash Bot EA and how this Forex System can boost your income in a range of currency markets.










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Forex Expert Advisors – How Much Will A Free Forex Robot Trader Cost You?

June 7th, 2011 by Bank Loan | No Comments | Filed in Forex

Forex Expert Advisors – How Much Will A Free Forex Robot Trader Cost You?

These days, literally anyone can develop their own Forex expert advisors from scratch, simply by using the free functionality that Metatrader 4 offers. That’s why you can find a flood of both free and paid Forex robot traders being advertised in the various forums, discussion groups and websites online.

Downloading and using a free FX trading system may seem like a good idea, after all you haven’t paid anything for it, so there’s no risk right? Sadly, when it comes to free Forex robot traders, they are almost guaranteed to cost you a lot more than paid Forex expert advisors in the long run. By the end of this article, you will understand just why you’re much better off forgetting about free Forex robot traders and investing some money into getting a good FX trading system instead.

At first glance, free Forex expert advisors seem like a good way to save a few hundred dollars and still profit from the Forex markets. After all, all Forex expert advisors are the same, right? Wrong. At best, free Forex robot traders are poorly designed and poorly tested. Most of them are just thrown together with a few popular indicators like the moving average, MACD, ADX and RSI, and are hardly tested over any kind of meaningful period. At worst, free Forex robot traders may be a sinister attempt by the developer to lure unsuspecting people into taking the other side of their trades.

The reality is, great Forex expert advisors take a lot of time, money and effort to create. It takes months and even years to perfect a good FX trading system, so it wouldn’t make sense for the developer to go out and give it away. The simple act of allowing other people to trade the Forex robot trader greatly diminishes the quality and effectiveness of the FX trading system, so it would hardly be in the developer’s best interests to give it away. That’s why good Forex expert advisors are sold for premium prices of up to thousands of dollars.

To give you an idea of the amount of resources that real Forex robot trader development and testing involves, the typical FX trading system takes 3 months to develop and another year to test, and will cost anywhere between ,000 to 0,000. Should the FX trading system turn out not to meet expectations, then the entire project is written off and the development process begins from scratch again. That’s why even with a top notch development team, it can take years and millions of dollars to find an FX trading system that lives up to the necessary requirements.

When you take all these considerations on board, you will realize that it is next to impossible to find free Forex expert advisors that actually work. If you do trade real funds with one of these free Forex robot traders, it is very likely that you will experience severe losses that will cost you far more than an actual paid Forex robot trader would. There’s a good reason for investing in an FX trading system that has gone through a thorough and professional development process, so stop wasting your time and your capital on free Forex robot traders and get a real FX trading system today.

Thad B. is a Professional Trading Systems Developer who has developed and managed dozens of profitable trading systems over the years for a private hedge fund. Forex trading systems are his passion and expertise, and he has a wealth of helpful resources available for any serious Forex systems trader.

Written by haanhtuan
I am a expert in Finance Services

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Mortgage Industry Expert Jim McCann to Participate in Home Ownership Fair

May 19th, 2011 by Bank Loan | No Comments | Filed in Loans

Mortgage Industry Expert Jim McCann to Participate in Home Ownership Fair











Avenue Bank logo


Nashville, TN (Vocus) July 23, 2010

Jim McCann, CMB, a mortgage industry expert and Senior Vice President of Avenue Bank, will participate in the Mayor’s Third Annual Home Ownership Fair at Bridgestone Arena this Sunday, July 25.

Mr. McCann will be available to news media to answer questions and offer perspective on the current residential mortgage market.

“The historic low mortgage rates make this ideal timing for this annual event,” Mr. McCann said. “It’s a great opportunity for homebuyers to learn about resources and get the information they need to make a sound decision about buying a home.”

He has more than 38 years of experience in mortgage lending and manages the Avenue Bank Mortgage Division. The CMB (Certified Mortgage Banker) designation he holds is the highest professional designation presented by the Mortgage Bankers Association of America. He has served the mortgage industry on the Board of Directors of both the Tennessee Mortgage Bankers Association and the Nashville Mortgage Bankers Association, and as President of both organizations.

Mr. McCann and the Avenue Bank mortgage team will be at the Avenue Bank booth # 53 from 1-5 p.m., at the Bridgestone Arena, this Sunday, July 25, 2010.

Contacts:

Lisa Meiers 615.744.2902

Elizabeth Fielding 615.335.0225

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How RCTPA Makes Forex Megadroid the Most Profitable Metatrader Expert Advisor

April 30th, 2011 by Bank Loan | No Comments | Filed in Forex

How RCTPA Makes Forex Megadroid the Most Profitable Metatrader Expert Advisor

Article by Fil Forex

Forex Megadroid is a very profitable Forex expert advisor developed by Albert Perrie and John Grace and is based on 38 years of combined Forex experience. John Grace is in the Forex trading business since 1989. Albert Perrie started in 1991 in the FX industry as a long-term FX analyst and eventually got involved with the development and implementation of Forex expert advisors.

John and Albert started working on the concepts of the Forex Megadroid in July 2007. The most important goal during the development of the robot was that the MT4 expert advisor had to be robust enough to withstand every possible market condition. The key of building a very profitable expert advisor is making sure that the robot is not restricted to a single type of market condition like trending or ranging. Every other existing robot has the same problem: the robot performs well when market conditions are optimal, but gives back all the profit when market conditions changes.

The breakthrough in the development process of the Megadroid robot came when Albert and John applied RCTPA, or in full Reverse Correlated Time and Price Analysis. With RCTPA they developed a whole new approach to Forex trading and integrated it in a fully automated FX robot. The RCTPA concept makes it possible to forecast the near future with an accuracy of 95.82%! The high accuracy of the Forex Metatrader robot translates into very high profits in every Forex market condition. In 2007 the Metatrader expert advisor generated a profit of 612.91%, in 2008 a profit of 623.84% and in the first few months of 2009 already a profit of 330.20%.

Read more about the amazing profits of the Megadroid robot and get it right now so you too can generate easy PIPs!

This article was written by Fil Forex, an expert in Forex Software. As a respected journalist of Forex technical analysis Fil has looked into a variety of Metatrader robots and knows which Forex concepts generate the highest profits.

About the Author

This article was written by Fil Forex, an expert in Forex Software. As a respected journalist of Forex technical analysis Fil has looked into a variety of Metatrader robots and knows which Forex concepts generate the highest profits.

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