Mississippi Adjuster Licensing and Claim Handling Regulations for Hurricane Isaac, News, and More

August 27, 2012

Here are important links claim professionals will need for working Hurricane Isaac claims in Mississippi. We also posted information for Alabama already and will post for Louisiana next:

MS Department of Insurance link for all independent adjuster and independent entity licenses as well as Public adjuster licenses:

http://www.mid.state.ms.us/licensing/adjuster_licensing.aspx

See what Sircon has to say about MS emergency licenses in this post:

http://www.sircon.com/campaigns/emergency-adjusters.html

Mississippi Claim Handling Regulations as posted on PC360.com:

http://publish.sbmcloud.com/media/pdf/pc360/claims-guidelines/Mississippi.pdf

Updated Mississippi Department of Insurance Regulation updates by year to include Arbitration info:

http://www.mid.state.ms.us/pages/laws_bulletins_regulations.aspx

Mississippi’s Biloxi- Gulfport Sun Herald for local news and closures on Isaac:

http://www.sunherald.com/

Mississippi Emergency Management Website:

http://www.msema.org/

Mississippi Governor Phil Bryant’s disaster emergency declaration order for MS as a result of Isaac:

http://www.governorbryant.com/gov-bryant-declares-state-of-emergency-ahead-of-isaac/

Mississippi Windpool Reinsurance info 2012 and info about 41,000 MS Windpool policies:

http://www.insurancejournal.com/news/southeast/2012/05/01/245469.htm

Mississippi Windpool Website:

http://www.msplans.com/MWUA/Index.htm


Important information on handling claims in Alabama you may need if working claims in Alabama for Hurricane Isaac

August 27, 2012

Here is important information claim professionals will need if they plan to work claims in Alabama as a result of Isaac to include the Governor emergency declaration, the link for AL emergency adjuster licenses, and claim handling information as well as links to breaking news from the Mobile Press register:

Alabama

Alabama Windpool Info and Links:

https://aiua.org/

Basic AL windpool policy info:

https://aiua.org/pages/basic_coverage

Alabama Emergency Management Website and Contact Numbers:

http://ema.alabama.gov/

Alabama Governor Robert Bentley’s office issues Declaration of Emergency and Evacuation Orders:

http://www.governor.alabama.gov/news/news_detail.aspx?ID=6894

Alabama Department of Insurance link for Emergency Adjuster licenses now that Emergency Declaration Order has been issued for Isaac:

http://www.aldoi.gov/Licensing/EmergencyAdjusterInfo.aspx

Alabama Claim Handling Regulations as posted on Property360.com:

http://publish.sbmcloud.com/media/pdf/pc360/claims-guidelines/Alabama.pdf

Alabama Department of Insurance Claim Handling Regulations for Property and Casualty Claims:

All of these shown regulations below can be found here:

http://www.alabamaadministrativecode.state.al.us/docs/ins/index.html

CHAPTER 482-1-125 STANDARDS FOR PROPERTY/CASUALTY INSURANCE CLAIMS

http://www.alabamaadministrativecode.state.al.us/docs/ins/index.html

CHAPTER 482-1-135 MEDIATION ALTERNATIVE PROCEDURES FOR RESOLUTION OF DISPUTED PERSONAL LINES INSURANCE CLAIMS ARISING FROM HURRICANE, TROPICAL STORM, TORNADOS AND OTHER DISASTERS DAMAGE

CHAPTER 482-1-150

ESTIMATION OF REPLACEMENT COST OF INSURED DWELLINGS

Breaking news link at Alabama Press Register:

http://blog.al.com/live/index.html


Upcoming Claim Committee Teleconference for Citizens Insurance of Florida is today 4/13/12 9:30-to 11:30 ET

April 13, 2012

I know many of you are certified or in the process of certifying to work Citizens of Florida Insurance Corporation- CPIC- catastrophe and non catastrophe claims as independent adjusters.

Here’s your chance to get a current update on their staffing model in the event of a storm and much more information as outlined on today’s teleconference which takes place from 9:30-11:30 ET. As far as I know, all are still welcome to join in the teleconference. I have seen on prior meeting minutes where folks call in even just as citizens of the state of Florida.

The teleconference information for call in as shown on their Board of Governor meeting link is listed as:

Claims Committee Meeting

When: April 13, 2012 9:30 – 11:30am EDT

Where: Teleconference

Teleconference: 866-361-7525 Code: 5219676193

For a complete list of documents and the agenda, here is the current link on Future Meetings link  here:

https://www.citizensfla.com/about/mDetails_boardmtgs.cfm?show=PDF&link=/bnc_meet/docs/445/00A_Claims_Agenda_04_13_2012.pdf&event=445&when=Future

Note that this same information with very informative documents is usually moved to the Past Meetings link  after the meeting so if you are wanting to view this information after today’s meeting, here is the link to Past Meetings here:

https://www.citizensfla.com/about/past_boardmtgs.cfm

I’ll make another post later today with my comments regarding the staffing model of 120 days as proposed in the February meeting minutes that is presented for approval today as well as other things mentioned in the well prepared minutes from February.

The advantage of sitting in on the teleconference is not having to wait more than a month to know what happened at the committee meeting as it takes them quite a while to get the minutes posted in preparation of their next scheduled Claim Committee hearing.


Sponsor Opportunities Available for 2011 at ClaimSmentor

January 8, 2011

New for 2011 is acceptance of Insurance Claim Recruiters, Temporary Staffing agencies,  Insurance Company HR personnel and claim recruiters as Sponsors at ClaimSmentor www.claimSmentor.com.

Interested claim recruiters, temporary staffing agencies, adjusting firms, claims service organizations, and software vendors should email dkmoroy@dimechimes.com for complete details.

Our Sponsor package includes up to 10 FREE job postings in our Career forum per month, free postings about upcoming seminars your firm is hosting, and special discounts you offer to our ClaimSmentor members. Sponsors also receive 100% access to our roster of adjuster members. Much more ….contact me at above email if interested in helping keep our e-mentoring program active for auto, property, and casualty adjusters.

We will reach our five year anniversary next week and currently have approximately 1,600 members and are very proud of it! Unlike other claim forum sites, we require preapproval for membership to confirm we are all licensed adjusters or claims managers. Members upload their resumes for adjusting firm and insurance recruiters use. Our desire is to enhance the job opportunities available to our members for consideration in 2011 by now accepting insurance claims recruiters for our members who are located nationwide.

Also- all welcome to join our Linkedin group and our Twitter group:

http://www.linkedin.com/groups?mostPopular=&gid=1820952

www.linkedin.com/in/claimSmentor

www.twitter.com/claimSmentor

You can also follow our blog entries by clicking on the SUBSCRIBE tab in the dark gray area at the top of this blog.


Eternal Father Strong to Save- A prayer for Americans during the BP Gulf Coast Oil Spill Recovery- Open Letter 3 to President Obama and Admiral Thad Allen

June 15, 2010

President Obama is speaking from NAS Pensacola, FL as I write this. It is the most support I have seen him express to the brave men and woman serving in the US Armed Forces  since he began his Presidency. I am taking this particular speech very personally as my father, my brother, and my brother in law are all buried at Barrancas National Cemetary at NAS Pensacola.  I cannot bear the thought of the memories of our childhood being destroyed with the gulf oil tar nor of disturbing the area so others can  grow up with the same wonderful memories our family shares from the area during our youth when my father was stationed there.

I still  have family in the area including my nephew Ryan who is attending college at the University of West Florida  following in the foot steps of my wonderful father and brother who also attended the University of West Florida in Pensacola, FL. His degree is going to be in the marine industry. He too is watching his dreams disturbed by the worst environmental disaster in Amercian history as he faces unemployment working part time in the beach restaurant industry as a means of income to help cover his expenses while in college.

President Obama- thank you for doing us proud with your military speech in Pensacola and for finally showing our military of all branches the respect and honor they so much deserve. As a military brat as us military children are known as, we do know the sacrifices having watched our fathers depart on Naval aircraft carriers, departing for war, and the fear and sadness we experience as we support our brothers, sisters, neices, nephews, sons, daughters, and our fathers as they protect Amercians at assignments both at home and have to regularly leave us to go abroad to protect us around the world.

I’ll end this thanks with the words of my very favorite navy hymn heard every Sunday growing up on military bases and attending church at military chapels where our father was stationed.  If you really listen and read the words, I think you will agree this song represents all of our prayers for our military, our national guard members, our claims adjusters who will have to work in these coastal environments during hurricane season, and our BP responders constantly exposed to the oil spill tar and disperants as they clean up our beaches and marshlands and experiencing illness as a result. We also extend this as a prayer to all gulf coast residents suffering from this oil spill :

             Eternal Father Strong to Save – Original Version

             The original words are:

Eternal Father, strong to save,
Whose arm hath bound the restless wave,
Who bidd’st the mighty ocean deep
Its own appointed limits keep;
Oh, hear us when we cry to Thee,
For those in peril on the sea!
O Christ! Whose voice the waters heard
And hushed their raging at Thy word,
Who walkedst on the foaming deep,
And calm amidst its rage didst sleep;
Oh, hear us when we cry to Thee,
For those in peril on the sea!
Most Holy Spirit! Who didst brood
Upon the chaos dark and rude,
And bid its angry tumult cease,
And give, for wild confusion, peace;
Oh, hear us when we cry to Thee,
For those in peril on the sea!
O Trinity of love and power!
Our brethren shield in danger’s hour;
From rock and tempest, fire and foe,
Protect them wheresoe’er they go;
Thus evermore shall rise to Thee 
Glad hymns of praise from land and sea.

For links to the origins and history and other more modern versions of this song, visit this link:

http://en.wikipedia.org/wiki/Eternal_Father,_Strong_to_Save#Lyrics

**Note the Episcopal version is also very appropriate and shown on the link above

I find the following musical version very comforting at times like these and hope you will enjoy the music and pictorial vision as well:

http://www.cyberhymnal.org/htm/e/t/eternalf.htm

Please pass this on in hope it brings a focus to the faith that God will protect us and keep us safe. Especially for the families of the victims killed in this BP Oil explosion. Our prayers are with you every single day. Just click on the title to this blog today and you can then copy and paste it into an email to your friends and family suffering through this disaster or serving in recovery efforts.

Respectfully,

Debbie Moroy, AIC,IIA  ClaimSmentor Founder www.claimSmentor.com

 

 

 


Let’s Compare Florida’s 2004 & 2005 Bad Hurricane Seasons with the Current Number of BP claims as of 6/12/2010 and Currently deployed Claims Adjusters- Part II- Open Letter to Obama and Admiral Allen

June 14, 2010

The news as you know is just full of news organizations analyzing BP response to the claims resulting from the Deep Water Horizon oil spill disaster.

It might help, without throwing accusations around,  to just compare a few numbers and several major differences between the disastrous 2004 and 2005 hurricane season in Florida and the Gulf Oil spill numbers as of  yesterday, June 12, 2010.

Let’s look at this  article  dating back August 2008 by the Florida Insurance Council. The article  states in part that:

” The Department’s Bureau of Licensing issued 17,488 Emergency Adjuster licenses for the four-storm 2004 hurricane season and 12,284 Emergency Adjuster licenses during 2005. Florida was again impacted by four hurricanes that year, but most of the damage was from Hurricane Wilma. In addition to adjusters working with emergency licenses, hundreds, if not thousands, of resident adjusters handled claims from the 2004/2005 hurricanes. “

Keep in mind that they are talking about emergency adjuster license numbers only. This does not include FL resident independent adjuster licenses, FL non resident independent adjuster licenses, nor staff adjusters (those who work directly for the carrier as employees) so you can just imagine how many more thousands of independents and staff adjusters just FL required in 2004 and 2005. Now add the Katrina claim statistics and number of adjusters also out working in 2005. Louisiana did not have adjuster licensing in 2005 so I’m not sure where I can get the 2005 statistics on Katrina as a comparison.

Emergency adjuster licenses are temporary licenses  that allow a non resident adjuster to work in the issuing state without an adjuster’s license in that state. The other way to work out of state is to obtain a permanent non-resident license. In addition, of course, we have permanent resident licenses. Normally, if your state of residence requires a resident license, FL and other states requiring an adjuster’s license will allow you to work for a short period of time in the disaster zone under an emergency license. These are typically only approved by a state department of insurance once a Governor has Declared a state of emergency. They are normally good for anywhere from 60-120 days and can be renewed if the state licensing department extends the deadline. The limiting factor is an adjuster operating under a temporary emergency license can only work claims for a particular declared disaster. They cannot be utilized to work non disaster related losses.

Recent trends have carriers, thus independent adjusting firms, requiring adjusters obtain a number (usually 7-15 different storm prone states) of non resident licenses. The reason being that the carrier can deploy an out of state adjuster into a state when there is NOT a Disaster Declaration by the state Governor should they have a permanent non resident license. The advantage is they can be deployed out of state to help with the smaller storms like small hail storms and the like. Worley adjusting company who is the firm appointed by ESIS to handle the BP oil spill claims and their site on the home page  shows a typical example of the non resident licenses required of independent adjusters. Each non-resident license requires a fee typically about $65.00 and reporting on CE so this is a large burden and expense for independent adjusters.

The National Association of Insurance Commissioners had proposed a Model  Independent Adjusters license back in 2007. While we were all hopeful it would be adopted by state insurance commissioners, the NAIC committee looking in to it later scrapped the proposed recommendation. What a darn shame considering what we are facing today handling BP oil spill claims along multiple gulf coast states. It is needed for more prompt deployment of adjusters during major disasters rather than having delays caused by waiting on emergency adjuster licenses. Adjusters seem to think the issue is the fees acquired by each state are substantial considering the thousands upon thousands of resident, non resident, and emergency licenses each year. However,  it was not to be. The American Association of Independent Claims Professionals, AAICP still has the documents up on their site  to include their letter to NAIC requesting they reconsider passing of this model act. The Winter 2010 newsletter on AAICP’s site  provides an update on adjuster and producer national licensing and where we stand today on this pending model act for a national license. It cannot be passed too soon as far as independent adjusters are concerned. I also wrote about the independent adjuster license issues in this blog in July 2007 when NAIC cancelled further recommendations for the act and here in my “Who Moved my Claims Cheese” blog.

Should time permit,  look back on my blog “ Are Independent Adjusters a Dying Breed or Fungible Billing units ” ? This is definitely applicable SHOULD BP/Esis or others be placing non licensed adjusters in BP or ESIS claims offices. I should definitely hope this is NOT happening. Those I’ve talked to this week that are being deployed atleast by Worley  have all been very seasoned experienced adjusters who have been highly complimentary of  Worley’s induction and training process prior to deploying them to ESIS claims offices (ESIS is the insurance company for BP as explained in other blogs here the past two weeks).

Going back to my open letter to President Obama and Admiral Thad Allen, I still recommend some kind of emergency order be made waiving non resident emergency licenses as long as it can be documented that an adjuster is properly licensed in their home state. In cases where a state does not require an adjuster’s license like Tennesee  and Colorado,(this is unimaginable), most independent adjusters have obtained a Texas or FL non resident license so they can then apply to multiple other states who will accept those non resident licenses to then provide them a reciprocal license in their state.  See info in this blog about Model Independent Adjuster Act recommendations for immediate implementation as a further suggestion to improve the BP Oil Spill claims process.

Now let’s move to look at the deaths and damage from the 2004 and 2005 hurricane seasons:

2004: click here 

This says in part:

“The season was notable as one of the deadliest and most costly Atlantic hurricane seasons on record in the last decade, with at least 3,132 deaths and roughly $50 billion (2004 US dollars) in damage.”

2005: click here

The initial sentence outlines the 2005 damage and death statistics as follows:

“The 2005 Atlantic hurricane season was the most active Atlantic hurricane season in recorded history, repeatedly shattering numerous records. The impact of the season was widespread and ruinous with an estimated 3,865 deaths and record damages of about $130 billion (2005 USD).”

Also, it is very interesting to look back at this Insurance Journal article on “Lessons learned from the 2004 hurricane season“. In spite of the horrible hurricane seasons of 2004 and 2005, what we are facing as a nation and as adjusters is unprecedented. This is due to several factors and many potential unknowns as this oil spreads along our coastal communities:

1  )  Hurricanes, for the majority of claims, are first party claims meaning they are claims to an insured’s property. The insured has signed an insurance contract with an insurance company while the oil spill cases are considered third party liability claims meaning that one party is responsible for the damages to another if their actions are the proximate cause of the third party (non contract) has suffered as a result of their negligent actions.  Adjusters from the BP side of claims do not have policy terms in the contract to fall back on such as “An Insured’s Duties after a Loss” in the Conditions section of a first party policy. We will be at the mercy of following directions for handling these liability claims from the instructions of ESIS and I guess BP. In addition, Admiral Thad Allen and President Obama have their hands necessarily involved in this national disaster so we just do not know how the claims handling will proceed or these claims will be settled. There are many acts such as pollution acts, EPA clean water acts, and many more that control what type of damage BP is responsible for. We’ll expand on that information in a later blog. Many of these requirements are far outside the typical experience adjusters have so leadership direction is crucial for training adjusters unfamiliar with handling oil spill damage and losses.

2) Hurricane losses may take a very long time to settle  depending on the amount of damage to a property and the period it will require to restore the property. These BP claims on the other hand are going to be continuing open claims with a long period of time in pending status. We do not have a known “period of restoration” for the clean up in the gulf coast, we have no definite date as to when the oil will stop entering the ocean, we do not know what hurricane season may bring as far as further moving the oil contamination and disperants inland, it is unknown what illness and bodily injury will be related in the long term to the disperants or for that matter how it will affect properties.  We do not know the ramifications of the oil spill on ripple effects as businesses close, lost income for the gulf coast workers and now the oil rig workers who may be laid off now that off shore drilling is being addressed by President Obama and a six month moratorium on off shore drilling.

3) Even insurance companies may be suffering greatly this hurricane season as massive numbers of independent adjusters may be deployed to handle oil spill claims and not be available as expected for hurricane season (whoa to those carriers 80% or more whose catastrophe plan relied in the majority on independent adjusters).  Unless they become reasonable in their fee schedules and consider paying a daily per diem, they are going to have a very tough time competing for independents getting per diem and a good daily rate on the BP oil spill claims as insurance companies do not normally pay per diem allowances for independent adjusters.  The other consideration independents will have to make are whether they are willing to walk away from a long term BP assignment to go for a month or two of  wind losses for an insurance company especially given that those hurricane losses may require exposure to oil and disperants when inspecting field losses. No amount of pay can make up for exposing yourself to the possiblity of  permanent damage or death from these unknown exposures. The paid statistics on claims for BP claims does not mean these claims are settled. Far from it, from most news sources, claimants are very unhappy that $2,500 and  $5,000 advances is what they have received thus far.

4) In addition, this update on the Deep Water Horizon response site  shows that Admiral Allen has issued instructions for BP claimants unhappy with their BP claim to notify the Coast Guard. What????? Will the coast guard then be just passing these complaints on to the ESIS claims offices handling the BP claims or will they then just pass them on to the Departments of Insurance who normally handles complaints on insurance claims for insureds (yet again we are dealing with claimants here). I haven’t seen any instructions from the insurance company side on how they are going to deal with this but they need to know while they have time in their disaster planning before a hurricane hits.

5) On the same link in #4 above,  near the bottom, you will find Admiral Thad Allen’s new Media Access requirements in this Media Access pdf strongly encouraging media access and prohibiting  responders from denying access to the press unless they would be endangered in a prohibited area. Will this change insurance companies Code of Conduct forms adjusting firms and adjusters must abide by to allow media discussions by adjusting firms and adjusters  with the media which are also prohibited as oil spill workers alleged they were prohibited by BP for responding?  Something else to be reviewed by insurance company attorneys before a major hurricane hits this season.

 I cannot even begin to list all of the effects and costs incurred by claimants (third parties) with their loss of property values in areas seriously impacted by oil. This weekend, we saw a new for sale sign up at the beach here in Jacksonville that said “Marshfront” property for sale. I told my husband it might as well have shouted ” swamp land for sale due to looming oil spill expected to make the bend up the east coast of Florida” because I cannot even imagine an interested buyer until we know if oil will or will not make it’s way to the Florida east coast.

The trauma on all Americans, especially those on the gulf coast, are real. Even for those of us far from the current and ever spreading damage, it is traumatic just watching the wildlife covered in oil and tar, the grown men crying outside of their homes, offices, and claim centers. God be with them all and with the adjusters working at the claim offices and also those that are going to be handling hurricane losses should a major hurricane make landfall in any of these zones.

The June 09 2010 update by Huffington post  on BP claims states that  18,000 claims have been paid, and $84 million  has been paid out. It does not provide the total numbers  of claims received thus far. According to this article, only 600 adjusters were currently working in claims offices. No wonder this article quotes a policyholder saying they have called numerous times and get no answer on the phones! Look back and compare this to the 2004 and 2005 numbers just for Florida  where over 10,000 emergency licensed independent adjusters worked both of those years not counting thousands more deployed who were staff adjusters and you decide……..how would you rate the BP claims response on as of  today? This updated article found on the BP website  dated 6/14/10 states a total of 51,000 claims received and about 26,000 payments made totalling $62 million dollars. There is no mention in the current update on the number of currently deployed adjusters since the 6/9/10 stats I had above.

Make sure to read this  this article by www.Money.CNN.com indicating predications are that BP will spend between 3 billion and 40 billion in their response to this disaster while at the same time predicting Florida alone will have a 10.9 billion dollar economic loss along with potential for the loss of 195,000 jobs. The current top prediction at 40 billion is just 10 billion shy of the cost of damages in the 2004 hurricane season and about one third of the damage costs in the 2005 hurricane season thus far. 

Reuters news service is reporting that President Obama will require BP open an Escrow account when they meet June 16, 2010  to meet their obligations on claims. Here’s the link to this story.

God be with us all. Amen.

It is now 2:35 am ET so it will be tomorrow after A.M.  liability classes before I can go back and review this for grammar, etc so bear with me.

 


Outstanding article by the President of the CA Assn of Independent Adjusters on Fee Schedules Contributing to Independent Adjusters leaving the Industry

May 16, 2010

I ran across this newsletter from December 2008 in the California Association of Independent Insurance Adjusters December 2008 newsletter which is the best written article  I’ve come across discussing a topic of great importance to all Independent adjusters which is the perception/reality that carriers no longer are treating independent adjusters as independents. Specifically, it addresses the change in fee schedules and billing procedures as well as the fact this is driving off the independent adjusters from this business. Great job to the then President -Pete Vaughn- for putting this President’s message together.

I think every conversation I have with a claim manager and/or adjuster these days always turns to the problem with fee schedules. Among the rumors folks have shared with me- some I can confirm- some are rumors at this point as far as my knowledge goes- include a state carrier requiring adjusting firms to offer a 5-10% discount off of the CARRIER fee schedule to be a selectee on an RFP (ludacrist!), rumors about carriers reducing THEIR fee schedule by large percentages in 2010 allegedly due to the glut in numbers of adjusting firms, and probably the largest complaint is that the insurance companies are putting out RFP’s for adjusting firms to bid for their work and agreeing to one price based on one set of terms such as limited assignments and now requiring more file requirements and more be done and expecting it to be done for the reduced fees a firm may have agreed to. In addition, when an insurance company brings on too many firms, this limits the number of assignments one firm may get. This does not give an independent adjuster enough files to even justify the monthly cost of estimate software to work daily (non- catastrophe claims).

On top of the fee schedules being reduced, independent qualification criteria is much more costly for attending the ever growing number of carrier certifications which requires independents incur travel and lodging expenses to attend these tests. The second major change in the past few years is the requirement for independents to acquire and maintain up to 15 non resident licenses which I hear are costing them about 1,000 for the fees if they do obtain them all in the gulf coast states. While it makes sense to obtain the non resident licenses from the standpoint an adjuster can be used for cat and non cat claims even when an emergency has not been declared in a state with a smaller storm yet there is a reason that states have emergency adjuster licenses available once a governor has declared a catastrophe to allow non resident adjusters to come into a state to work storm losses.

Well enough of my comments in response to this great article written by the then President- Pete Vaughn – so here is the link to the December 2008 issue so you can read the article yourself. I hope this generates a comment from the writer of the article on new trends he is seeing in 2009 and 2010 since this article has been written. From what I’m hearing- the fee schedules are much worse if anything. I’d be interested in your thoughts as well as his as to what you are experiencing out in the field.

Here is the link- http://www.caiia.org/sr/1208caiia_sr.pdf

I agree whole heartedly with this article- do the carriers want a cheap price or do they want the quality work which policyholders deserve? At this point, it certainly appears their overriding decisions are based solely on price driving many experienced adjusters to leave this industry based on the lack of work and when their is work, the fee schedules are unreasonably low which do not begin to cover an independent overhead to cover their software expenses, travel and lodging expenses, and their equipment needs and maintenance issues for vehicles, computers, ladders, and annual certifications.


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