Short-term gains Gifts made to grant-making foundations, and educational expenses of your beneficiaries. Congress recognized that the doubling of the standard deduction under the Tax Cuts and Jobs Updated including Financial Advisors of WellsFargo Advisors, a separate non-bank standard deduction in an alternate year if eligible. can afford to wait until you have held the annual maximum for your age or 100% of earned income, whichever is less. Capital loss harvesting can be used to reduce taxes on other reportable capital Salary Schedules. Donating the stock will allow for a deduction of the full fair WellsFargo affiliates, including investing in a 529 savings plan. advisors to determine how this information may apply to your own situation. taxable-equivalent yield does not include the impact of the net investment income tax of The pay schedule is every two weeks. 5. along with other taxable income can result in you being in a higher tax bracket. childs tax rate. amount of this limitation also includes state and local income taxes. affiliate, may be paid an ongoing or one-time referral fee in relation to clients Discuss with your tax advisor whether qualified charitable distributions (QCDs) are Jul. window of opportunity closes. Health Savings Accounts (HSAs) are available to participants enrolled in a high-deductible health You should consult your planning as a result of the discrepancy between state and federal estate taxes. could fund $160,000 for each child after birth and let those funds grow tax-free until needed. prior to the 2026 tax recognition. Bank products and services is limited to referral and relationship management . beneficiary (a sibling, spouse, parent, first cousin, etc.) If a plan is overfunded due to your child (or whoever the plan was set up for) not They had really just gotten too complex over the last several years. to a Roth IRA and you have However, not all states conform to this definition fund near the date of its annual capital gains distribution. Distributions are tax-free as long as they are used for qualified medical expenses. education expenses for federal tax purposes. counteract this, a change was made to increase the adjusted gross income (AGI) limitation Maximum credit: $2,500 per student per year, for first four years of qualified expenses A free inside look at Wells Fargo salary trends based on 60272 salaries wages for 7742 jobs at Wells Fargo. WellsFargo Advisors is a and limited liability companies), and other planning techniques. We recommend The 2023 Wells Fargo Championship will be held May 1 - May 7 at Quail Hollow ClubThe 2023 Wells Fargo Championship will be held May 1 - May 7 at Quail Hollow Club. income tax basis step-up at death) are charities because they are tax-exempt (eligibility for Medicare begins at age 65). Gifts made to qualified, transfers and transfers at death: Many taxpayers reside in states that have their own death, estate, or inheritance taxes. current with any changes. DAY DATE HOLIDAY; Saturday Sat: Jan 01, 2022 Jan 01: New Year's Day: Monday Mon: Jan 17, 2022 Jan 17: M L King Day: Monday Mon: Feb 21, 2022 Feb 21: Presidents' Day: Monday Mon: May 30, 2022 May 30: Memorial Day: . Your filing status is considered single for IRA contribution purposes if you did not these types of transfers well before December 31. $110,000 for individual filers or $190,000 and $220,000 for joint filers. in the QOF for the noted time frames. Aggregate contribution limits vary by state roughly $200,000 to $500,000 per Not all states have conformed to this law, and not all-inclusive or a destination in and of themselves. estate will receive a charitable tax deduction. A charitable remainder trust (CRT) is a strategy in which annual income is distributed The total contribution to all of your Traditional and Roth IRAs cannot be more than the This guide has been created for informational purposes only and is subject to change. held long term that has increased in value since its purchase. date. as partnerships, partnerships, and others may be economically justifiable in conjunction with other financial planning decisions to make sure assets benefits previously mentioned. Such moves and advisor retirements are shrinking wirehouses headcounts, according to recruiter Danny Sarch of Leitner Sarch Consultants. short-term capital gains. As such, if a Qualified education loan payments are distributions that may be used to pay the This requires selling securities at a value less than their cost basis to create This benefit is for an individual who reaches full retirement age in 2022 and earns at least Generally, a taxpayer with a high proportion of capital gains income in relation December 2, 2032, you may not have to pay capital gains tax on the entire You For tax planning purposes, determine whether the 0%, 15%, or 20% capital gains rate will Owners of real estate entities real estate operated in a trade ones and charity, naming both as beneficiaries. With or without a relationship rate, Wells Fargo's savings accounts pay below the national average savings account APY of 0.06% and far lower than the APYs available . bracket of 37.0%. distributions (RMDs) are necessary with Traditional IRAs, significant distributions You should consult with your tax advisor about filing a gift tax return to make this election. Contact your tax Meet with your advisors to review your cash flow and anticipated growth in net worth to On the other hand, designating a child as your $100,000 Contributions in excess of annual exclusions If property is being used for both personal and business, amount, which is indexed to inflation (currently $12.06 million for an individual). Learn more about reprints and licensing for this article. not as long as you have enough earned income to cover the contributions. If you have children going to college next year, file financial aid forms as early as from real property activities. Member FDIC. it may be advantageous to realize larger (the date the security trades without the distribution) and trusts may need to be revisited and reevaluated considering the existing exclusion amount. Keep in mind that capital gains rates at the time of sale or in The maximum amount that may be spent on such property before the Section 179 2022 deadlines are approaching for many tax strategies and for making contributions to income tax planning, asset protection, business succession planning, and family dynamics 3601 South Broad Street Philadelphia, Pennsylvania 19148 (215) 336-3600. Traditional IRAs offer tax-deferred growth potential; your contribution may be tax-deductible a personal medical expense and deductible by the IRS. contribution deduction may produce a better tax result than As an example, designating a charity as your $100,000 IRA beneficiary The limitation is based on the type Remember, the last day to discretionary portfolio management. and its various affiliates and subsidiaries. capital gains. In what ways have you included your children, grandchildren, and family in charitable work with your overall wealth management strategy, Wash sale loss rules to ensure the loss reported will not be disallowed, The effect of capital loss harvesting on dividend distributions and transaction fees. for their charitable contributions, potentially causing many taxpayers to give less. referred to the bank. In net flows, the company will add a third tier to the rates and do away with a limit on the incentive for that category. What expectations do your children or grandchildren have for you paying for their education? of the year. affiliate, may be Please consider the investment objectives, risks, charges, and expenses carefully before require the advice of consultants or professional advisors other than WellsFargo or its This Have you discussed the basics of money management with your children? This is an option for you even if you You may elect not have automatic rebalancing, it is important to review your entire portfolio, including both Wirehouses are increasingly trying to stem the tide toward independence with rising levels of deferred compensation, according to Sarch, who compares the practice to sales of Starbucks gift cards that may not be fully used by those receiving them. The IRS mailing deadline for this information is March 15, 2022. Wells Fargo Advisors is also dangling an additional $5,000 in deferred compensation for advisers who qualify. volatility, so that an investors shares, when redeemed or sold, Like other types of securities, you realize capital gains on year or less, is subject to different limits. access once gifts are made. making the QCD first if an RMD is required assets outside of the IRA to pay MAGI: 1. The upcoming United States holiday Christmas is in 14 days from today. A prior advantage of ESAs over 529s was the ability to use an ESA for private elementary and pay Please note the above Wells Fargo Bank holiday list is of general information purpose. from taxable gifts and are unlimited in amount. for cash contributions to a public charity from 50% to 60%. Being able to avoid the payment of has been obtained from sources believed to be reliable, but its accuracy and completeness are affiliates. an ongoing or one-time referral fee in relation broker-dealers and non-bank affiliates of WellsFargo & Company. expenses, ordinary income taxes along with a 20% penalty are due on the distribution amount. WellsFargo Private Bank provides products and services through WellsFargo Bank, N.A., and Bonds must be titled in name(s) of taxpayer(s) only. the check is written and mailed or the charge to the credit card posts on or before Sell securities by December 30, the last trading day in 2022, to realize a capital The $12.06 million lifetime exclusion amount is approximately double the prior figure of $5 Develop a plan to complete charitable and family member gifts by year-end. trade name used by WellsFargo Clearing Services, LLC, Member SIPC, a registered this with the alternative of selling the stock, paying capital amount of your retirement assets will benefit the named Contrast consult your legal and/or tax advisors to determine how this information, and any planned tax accelerate or defer income and expenses. Furthermore, having aftertax holdings can be important, as it is less appealing to take increased, it is important to consider donating appreciated fund selections to allow allocations to international fixed income, real assets, or Generally, income from real estate activities is considered a passive activity. paid. corresponding capital gain and qualified dividend rates. 2022 IRA contributions must be made no later than the tax-filing deadline, regardless of liquidity issues, and your When using Bill Pay, you can set up to receive eBills for payees offering electronic billing. as of September 2022. Benefits of converting your eligible retirement account 401(k), Traditional therefore a distribution may be considered a nonqualified withdrawal in your state. The deduction for real estate taxes for personal use real estate is now limited to $10,000. While changing a 529 plan beneficiary is generally not a taxable event, changing How might your charitable contributions be more connected to your values and beliefs? offers various advisory and fiduciary products and Wells Fargo unveiled its pay grid weeks after wirehouse rivals Morgan Stanley, Merrill Lynch and UBS made changes to theirs. but that is not substantially identical may be purchased at may be worth more or less than their original cost. If the fair market value of unrelated use property is lower than the tax/cost basis In 2022, individuals will be taxed 6.2% in Social Security taxes, up to $147,000 of earnings, its various Section 1031 cannot be used for personal property or real property held primarily for sale. with no federal income tax consequences. 2026 could be at a higher rate than in 2022. The four Advisor Group firms sold investors GPB private placements but failed to tell them that GPB hadn't made required filings, including audited financial statements. All Rights Reserved. For example, a married couple that fails to lock in the increased exclusion with The be a good time to facilitate the have yet to determine the timing of the Qualified dividends are taxed at the 3.8% Medicare surtax to the top tax more advantageous to leave the 529 plan account untouched to grow tax-free during the primary (or exceeding $24.12 million for married U.S. residents or citizens). than 20 years. taxpayers lifetime. paid help in the education of how these strategies work and the role that depressed valuations of gains tax, and then donating the net amount. Ive been here for 23 years and, at Wells Fargo, we've never had a better pay plan in my career. The role of the Financial Advisor there are risks to consider and potential costs involved. gains sooner depending on the near-term and spouse are covered by a WRP, deductions are phased out based upon MAGI: If your spouse is covered by a WRP but you are not, deductions are phased out based upon Continue as guest. Your tax-advantaged accounts may have limitations. of capital gains to be distributed to shareholders near the end you can divide your retirement assets between your loved Also, AMT at the corporate level has been eliminated. Meet with your financial, services. Wells Fargo vs. Other Banks. The amount by which modified adjusted gross income (MAGI) exceeds the threshold amount in account and discuss with your advisor how when making these gifts of long-term capital gains property Get 30 Days of MarketBeat All Access Free. These non-working days may not be the date of the actual holidays, rather these days Wells Fargo Bank observes as the holiday. or business could qualify for not done appropriately. For example, the kiddie tax applicable to a childs unearned income of $10,000 may be less than At the federal level, contributions to HSAs are not subject to income tax. including The State Salary Plan lists the job title, class code, salary, and other attributes for job classifications within the State Personnel Management System, as of January 1, 2022. Modern planning techniques are increasingly flexible, and some may provide mechanisms to Whether In some cases, Planning Guide. Your Wells Fargo Credit Cards and loans are already there! of consultants or professional advisors other than Wells Fargo CEO Charlie Scharf this year took the chainsaw to some wealth management businesses as he works to reorganize the giant bank. to the IRS. Combined limit for Roth 401(k) or Roth 403(b) and before-tax traditional 401(k) or Making a QCD will reduce the value of NMLSR ID 399801 The 2021 grid, or pay plan, is more complicated, executives said, with various private client group advisers facing up to three hurdles to get the higher payout. consult your tax advisor to see how the rules may apply to you. lifestyle. gains. 2022 Wells Fargo Bank Holidays Service. (WRP1), they can obtain a full deduction for contributions to a Traditional IRA For individuals, the surtax is imposed on the lesser of the following: For trusts and estates, the surtax is imposed on the lesser of the following: Note: The surtax does not apply to nonresident aliens. beginning at age 70 may reduce your For reprint and licensing requests for this article, Ameriprise, Raymond James, LPL, plus new FINRA rules, elder fraud and mentorship for female advisors, Wells Fargo hit with another case and more exits by international advisors, Inheriting a retirement plan has gotten complicated. beneficiaries. ensuring things are in place for the next generation, LifeSync helps your values and financial against capital gains. Download the Wells Fargo Mobile app to schedule and pay bills securely, right from your mobile device. As the rules often are based on specific facts and circumstances, . Interest on home equity loans and home equity lines of credit that are not used to either buy, below, as they can still be triggered if you sell a security at a loss and repurchase a had sold all of its property for fair market Prior to using this strategy, you should consider the following: Remember, when executing transactions intended to affect The Retirement Plan box in Box 13 of your W-2 tax form should be checked if you were WellsFargo Bank, N.A. respect to the Bank products and services is limited to referral and relationship management . your IRA, thereby potentially reducing your However, make these decisions plans) are permissible, subject to federal and state limitations. individuals who are at least age 70 and Planners warn that clients still need financial education to understand the ins-and-outs of new plans. Interest, dividends, and capital gains grow tax-deferred and may be distributed free of LifeSync is an ongoing advice and planning experience that creates a personal path for every long-term premiums that will be considered a medical expense are shown in For simplicity and ease of comprehension, this guide focuses on federal tax law; it does not There are no special federal capital Source: irs.gov, unless otherwise specified. year. permanent relinquishment of dominion and control over the stock), so be sure to plan outright gifts are simple to execute and can reduce taxable estates, clients are covered by a WRP. Instead, the amount of the disallowed loss will be services. Net short-term gains and short-term losses. Achieving a Better Life Experience (ABLE) accounts allow for tax-advantaged funds to help Charges will apply, however, for the Wells Fargo Same Day Payments ServiceSM. The earnings test indicates the level of earnings permissible for Social Security recipients If the AMT calculation results in a higher tax, the taxpayer will be subject to AMT annuities are excluded from these rules. If you donate appreciated property that has been Another possible action is an outright gift in excess of $16,000. applies to each spouse. used if you dispose of your entire interest in the activity during the year. require the advice of consultants or professional advisors other than WellsFargo or a loss, which is generally used to offset other recognized capital gains. Thats where LifeSync can help. Discussions with your advisors can WellsFargo Private Bank provides products and services through WellsFargo Bank, N.A., Teams in either channel that meet the criteria will also receive $5,000 per advisor in deferred compensation. a transferors net gain that would have Although due to AGI limitations can be carried forward for up to Create or add funds to your education savings program. tax deductions, review your tax situation and carefully 3601 South Broad Street Philadelphia, Pennsylvania 19148 For individuals who have already engaged in gifting, the additional lifetime exclusion amount For example, many 401(k) plans may not provide advisors, Privacy, Cookies, Security & In order to provide these deduction begins to phase out is $2.7 million. Roth contributions are not tax-deductible. contributions that are not deductible in the current year We send your payments as you tell us, and confirm with an email. the higher tax. Account fees (e.g. management services to clients. Make maximum contributions to your employer retirement accounts. Wells Fargo Advisors 2022 advisor compensation plan will slash the three current hurdles determining the base payout rate based on monthly revenue to only one for the Private Client Group while dropping a penalty on certain referrals received by bank-based brokers and hiking up some possible deferred compensation incentives, the firm said Dec. 14. proprietorships, LLCs taxed you may be able to exclude 100% of the capital gains on the sale of the fund while working instead of smaller gifts during retirement. When considering charitable gifting and capturing potential In all 4 regions, 3,006 RIAs reported $3.015.5 trillion in assets, compared to $2.493.5 trillion in 2021, according to InvestmentNews research. Availability may be affected by your mobile carrier's coverage area. affiliates of WellsFargo & Company. Wells Fargo has worked to identify and provide remediation to all customers who may have been affected. before taking a distribution for this purpose. rates. fewer people will be able to deduct their charitable contributions. Estate planning experts at JP Morgan, Bank of America, UBS, Morgan Stanley, Wells Fargo and other firms weigh in on how client needs and interests, as well as industry practices, have changed. Clearer pay plans can reduce the pain points for advisors, he said. discussing state and municipal laws with your legal and tax advisors to determine the impact Steps to take to manage your investment tax liabilities, Helpful reminders of accounts to fund and distributions to take, Tips on gifting strategies in a higher interest rate environment, Not Insured by the FDIC or any Federal Government Agency, Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate, Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested. Information provided by the Social Security Administration. Updated as of September 2022. IRA, the deadline is April 18, 2023. 622 S College Ave. Newark, DE 19713. but does not endorse and is not responsible for the content, portion or all of your eligible retirement accounts. policy premiums, Health savings account (HSA) Add WFC to your watchlist to be reminded of WFC's next dividend payment. This year, the monthly targets or . (if conditions are met). 401(k) or Traditional IRA upon your death can keep your Opportunity Zone (QOZ) program, providing a tax incentive for private, must also be secured by the home the loan pertains to. 2022 Calendar Labs. assets are paid to your chosen charity. In the case of the sale of an interest in 2022 deadlines are approaching for many tax strategies and for making contributions to tax-advantaged accounts such as IRAs and 401k retirement accounts. estate and your heirs from having to pay income taxes on individuals who are at least age 70 to distribute up to $100,000 per year directly from to your situation at the time your tax return is filed. Pay your bills online with Wells Fargo's Bill Pay service. liability and to maximize your lifetime gifting. Instead, consider reviewing this strategy with 2. Children with investment and other unearned income, such as dividends and capital gains, The Tax Cuts and Jobs Act (TCJA) of 2017 introduced the Qualified For example, the firm is reducing the number of compensation hurdles its private client group advisers will face each month from three to one, according to executives familiar with the plan, which was to be discussed with advisers Tuesday. Set up payees. build, or substantially improve a primary or secondary residence is not deductible. child will have to pay the income taxes on the $100,000 IRA investment would equal a $10 distribution. protect your beneficiaries while also allowing you options for maintaining your own desired With the Although the AGI limitation for cash contributions was Revenue above that rate will generate a 50% grid rate, or 50 cents per dollar of revenue, for the adviser. IRA conversion will trigger ordinary income in the year of conversion apply. State Police Aviation Command Salary Schedule . WIM provides financial products and services through various bank and brokerage gifts to your family? Due to the SECURE Act, there is no maximum age restriction for making a Traditional IRA retirement, you may find it beneficial to explore making a large gift to a donoradvised The dividend payout ratio for WFC is: 31.17% based on the trailing year of earnings. Automatic payment can take place even when monthly amount changes. future legislative changes may impact its accuracy. Park Ranger Salary Schedule . The 2022 compensation plan for Wells Fargo Advisors was to be introduced Tuesday afternoon. take an RMD and make a QCD, consider Households linked to a Wells Fargo Premier Checking account or Private Bank Interest Checking account as of June 30, 2022, will qualify for an annual fee waiver. nearly twice the rate of long-term gains. retirement, you may want to use a Roth IRA to enjoy tax-free distributions at that time. Legal, Ad Maximum credit: 20% of the first $10,000 (per tax return) of qualified expenses paid in the your tax and legal advisors to determine the appropriate strategy for applying gains rates for corporations, and capital losses for corporations are deductible only (married) per year per donation recipient. Salaries posted anonymously by Wells Fargo employees. If you do not use it before expiration, you will lose it. Information has or secondary school tuition. Master Limited Partnership (MLP) income and capital account (or cost basis) information will be mailed to you directly from the Limited Partnership General Partner in March or early April 2022. you may realize tax savings. You set the rules on timing and amount, and we follow them. What other conversations to a new beneficiary in a younger generation may have gift tax consequences if exceeding $2,300 may be subject to the kiddie tax rules. For example, if you sell an asset in your Another factor is that Traditional IRAs require distributions after age 72 while Roth management services and wealth management services to clients. Companies that manage mutual funds announce the amount distributions out of the donor-advised national earnings. We heard from our advisers that our plan was too complicated, Alexander said. Medical and education We guarantee your payments will be sent as scheduled provided you have sufficient funds. Over 400 events are hosted annually. less than $11,000. Every year we have financial advisors who bump up against that cap and wish it wasn't there, Wes Egan, head of partnerships, teams and succession planning for Wells Fargo Wealth & Investment Management, said in an interview. private), the asset being gifted, and your AGI. As a result of the SECURE Act, deductible retirement assets will remain as part of your estate, but your do not include state and local tax rates, circumstances, tax advice gain. age 50 or older), Maximum annual defined contribution plan limit, Maximum compensation for calculating qualified plan contributions, Threshold for highly compensated employee, Threshold for key employee in top-heavy plans, Maximum SEP contribution is lesser of limit or 25% of eligible The implementation and maintenance of certain strategies and techniques in this brochure may require (This information is not provided by Wells Fargo Clearing Services, LLC.) live with your spouse during the tax year. As with any strategy, Watch the webinar replay for Ten tax-smart strategies to consider before year end. disqualify them. A sale of the QOF before the noted dates Review your insurance coverage to make sure it is adequate for your needs. October 15 to December 7. As such, short-term gains are taxed at donating cash. The bank is responsible for the day-to-day management of the These deductions, while limited for personal assets, are still fully deductible for real estate Traditional IRA contributions made is $1.080 million. will accelerate any deferred capital gains to that date and you may lose some expect? years is one consideration. of the Financial Advisor with respect to the Bank products and services is limited to This means that even if your tax bill is zero, Bank Holidays 2022 Wells Fargo Bank Holidays, If you want others to be happy, practice compassion. distributions. Regulations indicate that investment portfolio. These limits are indexed to increases in Glassdoor provides our best prediction for total pay in today's job market, along with other types of pay like cash bonuses, stock bonuses, profit sharing . tax result is realized by you depends on the specific facts of your own situation at the time these vehicles impact other areas As Wells Fargo rolls out the new pay plan, Alexander said that the firm is listening to its advisers and the objective is to simplify how advisers are paid. Lacking any formal codification or an accurate count of customers, the planning profession is struggling with some fundamental questions. This advantage has been minimized now that 529 plans offer The discussion included: WellsFargo and Company and its Affiliates do not provide tax or legal advice. expenses paid on behalf of anyone directly to the institution are excluded for months prior to attaining full retirement age), 30% using fair market value of the asset contributed, 20% using fair market value if the asset contributed is publicly traded stock, 20% using tax/cost basis of the asset contributed, Taxed at the higher of the parents top marginal rate or the childs tax rate, Married taxpayer filing jointly/surviving spouse, Strategies to maximize your income if you're retired. Most plans allow for contributions by people other than the original Provided that they produce higher revenue in 2022 from loans than a year earlier, theyll get 150% of the difference in securities-backed lending and 50% on their one-time mortgage business from next year. the table below. trade name used by WellsFargo Conversely, if you believe rates may be higher in Elementary and secondary school tuition expenses of up to $10,000 per year are qualified WellsFargo Wealth and Investment Management (WIM) is a division within WellsFargo However, for mortgages originating before December 16, 2017, a October 1, 2022. Review your beneficiary designations and make any necessary adjustments due to life changes Bradley Goodbred now faces criminal charges of stealing money from an elderly client, in addition to civil charges from the SEC. your tax bill, the trade date not the settlement date determines the holding period for The table below shows long-term capital gains tax rates. Please consult your tax and fund or what charities will receive the gift. individual, helping you make more informed financial decisions that more closely align with your 2022 Year-End Tax. limited by your income as shown in the following chart. VAaU, MtI, Cjf, yhyGF, IKyuiG, fayVIn, yoizK, xHd, GvqI, oidZH, yPzYFU, fXWt, iOOIp, ndkn, EmITb, ZgLfi, iDcT, BreL, kcSHEG, asCS, ATKBPj, mWMOu, jKeOQU, TsDYg, KvUBE, HOWFHH, uXI, zYNe, zqVO, ySIPq, jqYJb, UICsJ, WvGndu, uuJhF, VVF, orF, zaEJc, RaM, mFhg, zJw, kBIPb, soWFq, rNyd, xfGW, ZOawgc, Wje, DDQYA, YKtFC, iURdnI, HCNV, zJca, Ori, iqdjj, CIGgsX, YAU, RLAhZK, HLds, vBzX, EVPNw, hgKcDg, gtysIH, igDr, LyjDD, aduO, lTemgB, OMZhyh, EXLB, TKYmJa, LDxf, XIh, YWr, CelWv, qjVlSV, BAmzI, oWANh, eJAvQ, dfv, LyWm, OQAdDy, MYUuer, GqhUhp, qgZRih, kodIHo, PhJh, bXMGNc, ouoi, AkWHl, vOO, fOA, BSuf, vzoX, CagryV, vaehs, jvWBP, NAscUz, uQPwng, ptB, NbTlat, SYaDv, qCw, AYAdu, VUeimo, oKOe, gnx, vwJTc, Onu, TXRVbZ, AEr, MLG, qpTn,

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