most common renters insurance fraudsmost common renters insurance frauds

A psychological trick is to ask for it twice throughout your meeting. Being too cautious is your prerogative and there is no reason to feel uncomfortable with taking the extra step of being cautious. Generally, renters should provide a months notice prior to relocation and although a rule with many exceptions, breaking one rule might outline a trend in the behaviour of your prospect. If the landlord doesn't wait for the payment to clear the bank and sends the money, they're out whatever they send. So what else can we learn from life insurance fraud trends and statistics? How sincere is the applicant and how much responsibility he or she seems to bear? Plots of insurance fraud cases usually include one or more of the following elements: The aforementioned figure fluctuates each year based on many factors. Are attempts straightforward or long range? staging a phony burglary or vehicle break-in and faking the theft or damage. In terms of scams most difficult to detect, paramedics fraud and rebating made it to the top of the list. site. Another way prospects might try to ease or fool you is by providing last months utility bills or tax return. But can this be avoided? No scammer this advanced will use their real identity. (Reinsurance Group of America) Sadly, fraud is all too common in our world today. Without the shadow of a doubt, one of the most despicable scams around. In 2021, Hawaii, California, New Jersey and Florida had the highest homeownership costs, based on the percentage of homes in which owners spent 30 percent or more of their income on homeowner-ownership related expenses. And the losses due to fraud may be factored into the average cost of insurance for all policyholders, so honest drivers end up footing the bill over the long term. The Criminal Investigations Unit identifies and investigates insurance fraud by organizations and individuals. Out of the 69,425 total cases reported to the United States Sentencing Commission, 5,948 involved theft, property destruction, and fraud. The contestability period is defined as the time in which an insurance company investigates claims and can deny them if life insurance misrepresentation or fraud is detected. Deceitful activities take place at many points in the system. However, the true cost of car insurance fraud is much higher and inevitably leads to higher premiums and reduced benefits for everyone. (4) Only includes insurance covering rental properties. The nation's homeowners paid a median of $1,672 monthly housing costs in 2021, compared with $1,191 for renters, according to the latest American Community Survey from the U.S. Census Bureau. (See tables in Expenditures for homeowners and renters insurance section). Insurance fraud occurs when people deceive an insurance company in order to collect money to which they are not entitled. A .gov website belongs to an official government organization in the United States. At about $15 a month on average, renters insurance is much cheaper than homeowners insurance, according to NerdWallet's rate analysis. (4) The Mississippi and Texas FAIR Plans do not offer a commercial policy. of affiliate partnerships - its visitors click on links that cover the expenses of running this An applicant might try to abuse your empathy and kind heart. All Rights Reserved. (6) Less than 0.1 percent. The HKTF was designed to deter, investigate, and prosecute disaster-related federal crimes. the most common fraud schemes since COVID-19 began impacting the U.S. have included staged accidents . Is your main prospect the decision-maker, or does he seem to seek advice from the extra visitor(s)? However, there is enough information to deduce that arson attacks against residential and business properties that are aimed at securing insurance payouts have declined in the last few years. Also, almost 30% of American households replace vehicles every year. Unlike many other types of fraud -- including telemarketing fraud and health insurance scams -- that primarily target older people, renters aged 19 to 29 are 42 percent more likely to have lost money due to rental fraud. The total cost of insurance fraud (non-health insurance) is estimated to be more than $40 billion per year. That means Insurance Fraud costs the average U.S. family between $400 and $700 per year in the form of increased premiums. When you think insurance fraud, you think of someone burning down the garage to ease a cash-flow problem. Absolutely NO. Unfortunately, chances are slim. The average homeowners insurance premium rose by 1.8 percent in 2019, following a 3.1 percent increase in 2018, according to a March 2022 study by the National Association of Insurance Commissioners, the latest data available. The biggest threat comes from choosing the wrong renter and its up to none other than you to spot the difference between a conscientious tenant and a potential renter scam. That costs the average family in the U.S. between $400 and $700 per. independent review site dedicated to providing accurate information about various financial and Fortunly.coms in-house writing team writes all the sites content The FBI estimates that roughly $6 billion of government funding went to insurance fraud alone. You can find numerous fraud resources on the NAIC website. 1. The same approach works when trying to spot a we buy any house scam, as pointed by. Ask for copies and validate yourself. Residual, shared or involuntary market programs make basic insurance coverage more readily available. Having your prospect to provide all documents is great but nevertheless, you should always background-check and vet as thoroughly as possible. The CPI-U rose 8 percent in 2022. The survey showed that homeowners in the South and West were more likely to have a home inventory (48 percent and 41 percent), followed by homeowners in the Northeast and Midwest (both regions at 39 percent). (1) Excludes the FAIR Plans of Arkansas and Hawaii. III also cited the prevalence of health identity theft, where criminals steal a victim's name, health insurance number, and other personal data to defraud insurance providers by making false . Policy number. Renters Insurance usually covers 3 sections: Coverage C - Personal Property (your stuff) Coverage D - Loss of Use (you can't use your stuff or apartment during repairs) Coverage E & F - Liability (you get sued because you break other people or their stuff while on your property) In most cases, with 6 months of rent in advance. Beach and windstorm plans cover predominantly wind-only risks in designated coastal areas. What are the common hacks tenants might use to hide cracks and scuff marks, such as using toothpaste, chewing gum, DIY patches, wall stickers and even wall-hung art or shelving. The landlord is sent a check that exceeds the required payment and is asked to refund the difference between the required rent and the sum sent. If you are not going through aproperty management company, being aware of the following is even more important. Police have arrested doctors, lawyers, chiropractors, car salesmen, and people in positions of trust. The boost in funding underscored the extent to which fraud bureaus require sufficient resources to combat insurance fraud. And when a fraudulent claim is discovered, the insurance company prosecutes to the fullest extent, commonly suing the fraudster for the full cost of damages. Florida, Hawaii, California, Nevada and Colorado had the highest percentage. (1) December 1996=100. Copyright 2023, Insurance Information Institute, Inc. In terms of efficiency, these law enforcement agencies report increases not only in tips about suspected insurance fraud but also in cases opened, convictions and court-ordered restitution. It was apparent that the natural disaster left plenty of opportunities for insurance scams, prompting the Government to respond. If you get caught committing insurance fraud, depending on the type and the amount of the claim, you can be charged for a felony or a misdemeanor. The law of tough renters bounds them to lie a lot and over time they grow quite proficient at it. 2. Insurance fraud statistics for the fiscal year 2018, found that among 73.4% of the health insurance offenders who were sentenced for insurance fraud, the penalty was prison. Whole teams of special investigators comb through claims that seem suspicious, especially these three common types of car insurance fraud. The percentage of denied claims is even higher than 20% when only policies issued to younger insureds are taken into account. On the other hand, premium fraud is committed by employers and misrepresentation of payroll and misclassification of employees are its most common forms. This means that applicants will often avoid the cost of a credit report by providing one of their own. The U.S. homeownership rate was 65.5 percent in the fourth quarter of 2021, according to the U.S. Census Bureau. However, how much you pay depends on a number of things, including where you live, the value of your belongings, and how much coverage you want. Current 2023 Top 10 List of Scams and Frauds Top 10 List of Scams of 2023. Nationwide, 47.4 percent of renters spent at least 30 percent of their household income on rent and utilities in 2021. With the rapid advancement of internet accessibility, ever more people have direct access to sensible information. Fraud statistics in insurance claims confirm that determining the true cost of insurance fraud is a challenging job. If you fail to spot a rough tenant or you neglect a red flag, you could end in a very unpleasant situation that you could have avoided. Seattle . Your email address will not be published. Our society might be civilizedbut were still living in a concrete jungle. Learn ways to tell if a rental is legitimate and how to avoid apartment scams. Today, property insurance for the residual market is provided by Fair Access to Insurance Requirements (FAIR) plans, beach and windstorm plans, and two state-run insurance companies in Florida and Louisiana: Floridas Citizens Property Insurance Corp. and Louisianas Citizens Property Insurance Corp. This is your individual policy number. (1) Includes state funds, residual markets and some wind pools. A nother option is to seek renters insurance and increase the value of their personal belongings twofold. all loan offers or types of financial products and services available. This occurs when false price information is submitted to Medicare regarding the true cost of a product or service. Since 1912, the death rate had been almost unchanged at 28.5 deaths per 100,000 people. Advanced scammers might and will most likely try to cover their tracks by having somebody to answer your phone call or email. Before purchasing any type of life insurance, make sure you are going through a reputable company and you understand what you are getting. (1) After reinsurance transactions. Here's a list of 6 most common types of insurance frauds. Further reprint or distribution strictly prohibited without written permission of NAIC. But the check was fake, so you'll have to pay your bank the amount of the check, plus you'll lose any money you wired. How come? Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written. review, but they dont affect the reviews content in any way. Based on FBI data, arson offenses decreased by 5.4% in the first six months of 2015, when compared with the first six months of 2014. By divulging any personal information through these robocalls you open the door to medical identity theft. Add those in an easy and unpretentious manner. Our pages may include reviews of products or services for which we Insurers sure hope you are. (4) First party, i.e., covers damage to policyholder's own property. 4.1 Be aware: The most common types of insurance fraud The median loss for these offenses was $1,048,375 and involved the defrauding of both public and private health care entities, based on the 2018 medical insurance fraud statistics. What are the 10 different types of insurance fraud? Excludes tenants and condominium policies. When viewed alone, each transaction appears to be legitimateonly after the cumulative effect is considered does fraud emerge. Note: Average premium=Premiums/exposure per house years. Pennsylvania's Insurance Fraud statute is found at Title 18 Section 4117 of the Pennsylvania Crimes Code. For as low as $5 a month, renters insurance from Liberty Mutual is a surprisingly cheap and affordable way to keep the things you love safe and protected. This way you will state to your future tenant that you have your guard up. In a survey conducted by the Property Casualty Insurers Association of America and FICO in 2012, 45% of 143 US insurers stated that fraud constitutes between 5 and 10% of their claims costs. (7) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified. Fake Pay Stubs. Approximately 1.6 million insurance claims were filed, totaling $34.4 billion in insured losses. (4) Sum of loss and LAE, expense and dividends ratios. 1. 13 A-Maize-Ing Statistics, How the War in Ukraine Affected the Economy: 15 Important Stats and Facts, How Many People in the US Invest in the Stock Market? Source: 2022 National Association of Insurance Commissioners (NAIC). Note: Percent changes are calculated from unrounded data. False Claims Fraud . Common Types of Fraud. Ask yourself: Are you unprepared for a smile? This category also would include furnishing relocation or units, miraculously newly-bought and placed right on-top a huge stain, or even worse fire or rip-caused holes. (2) States with the same percentages receive the same rank. Are there blank spots throughout the application, the copy of credit check, proof of employment and so on? Criminal charges could be pursued too. NOTE: Advanced scammers might and will most likely try to cover their tracks by having somebody to answer your phone call or email. Source: 2022 National Association of Insurance Commissioners (NAIC). ), real estate taxes, property insurance, utilities, fuel and condominium fees if applicable. Insurance fraud statistics reveal that one of the most common contractor schemes occurs when an unlicensed operator takes advantage of a traumatized homeowner after a natural disaster. Although the Coalition Against Insurance Fraud found that the remaining four out of five respondents to the survey think insurance crimes are unethical, but many Americans approve of insurance fraud. - NC DOI; 3 What is Insurance Fraud? Top 10 Real-Life Examples of Life Insurance Fraud. You can check the Bureau of Justice statistics here. Fortunly.com remains financially sustainable by participating in a series The initial premium is reduced by repeated commissions until there is no longer money to pay claims. Approximately 68% of consumers think that most common insurance frauds keep happening because people believe that they can get away with the offenses without hurting anyone. It can be committed against an insurance company or by an insurance agent. (1) Before reinsurance transactions, includes state funds. 28 Interesting Ethereum Stats and Facts, How Much Does the Average American Spend on Thanksgiving? There is fraud for every type of insurance. Wind and hail accounted for the largest share of claims, with 2.9 percent of insured homes having such a loss, followed by water damage and freezing with 1.6 percent of homes having a loss. The Fortunly.com Insurance fraud statistics didn't demonstrate an increased number of fraudulent activities, however, each additionally hired insurance fraud investigator was able to look into more cases. Pretend youre someone else and ask if your applicants story really ads up. Rough renters undergoing a dispute or eviction will need to secure an abode, often on really short notice. Household frauds, specifically home fires, natural disasters, and renter's scams, are among the most common insurance frauds that scammers try to commit. The Most Common Insurance Claims from Renters Posted on August 21, 2018 by Mavon Insurance Many renters mistakenly believe that their liability and property damage risks are covered under the insurance policy that their landlord or management company already holds. (2) As a percent of net premiums earned ($99.5 billion in 2021). About one in 385 insured homes has a property damage claim related to fire and lightning. Community Planning And Development. Here are the 9 types of fraud you need to watch out for: Mail Fraud. In addition, a police report will not only establish additional proof to show your renters' insurance company, but it can help the claims process run smoother as well. In the five-year period, 2016-2020, 5.8 percent of insured homes had a claim. Rough renters will often try the scam a landlord by sending another person to rent the abode. This type of scam is only fraudulent to a certain extent. For more information about Insurance Fraud or where to report it, contact the following organizations. of money accessible to everyone. Its always best to put the dash of extra effort and make your independent research. Receiving checks for amounts greater than owed is always a huge red flag. Bank Account Takeover Fraud "Iron" Mike Malloy: The Guy Who Wouldn't Die. do (4) Based on the HO-4 renters insurance policy for tenants. Insurance fraud statistics include insurance agent fraud too. If we take a look at the bigger picture, we'll see that fraud doesn't only cost consumers money and convenience, it also stifles innovation. Some states have more than one bureau dedicated to addressing fraud throughout the different stages of the insurance process. Lure and decoy. (4) Payments to others for which policyholder is responsible. Needless to say, but in most cases, its all about hiding details about employment and income. The Crazy Cabbage Truck Caper. Share sensitive information only on official, secure websites. Common rental scams and landlord frauds Rental and landlord scams are more common than you think. Answer (1 of 4): In my experience most fraud is committed because an insured has backed himself into a corner financially and the insurance is their only way out. Here are a few tips to help landlords see through the smoke and mirrors: If your housing applicant is, in fact, conscientious, answering these should not be a problem. The scam comes down to persuading the landlord to pay the difference and later on find out the check is counterfeit or forged. Further reprint or distribution strictly prohibited without written permission of NAIC. But does it mean you can trust the applicant for it? Another common premium diversion scheme involves selling insurance without a license, collecting premiums and then not paying claims. Then I entered the world of journalism. The total cost of (non-health) insurance fraud is estimated at more than $40 billion per year. About one in 60 insured homes has a property damage claim caused by water damage or freezing each year. Deceit is #1. Fraud statistics reveal that more than half (61%) of cross-industry fraud cases have a severe impact on insurers. Based on the Coalition Against Insurance Frauds report, insurance fraud steals $80 billion from the United States insurance industry every year. NerdWallet rating. If the company doesnt have a reporting system or fraud hotline, call or write the company headquarters. False price reporting. Is the address of their previous housing real? One of the most common insurance frauds is automobile insurance fraud. *Insurance Information Institute calculations, based on ISO, a Verisk Analytics business, data for homeowners insurance claims from 2016-2020 (see table above). The average small business generally sets liability coverage limits at $1 million per occurrence or more. (3) Accident year incurred losses, excluding loss adjustment expenses, i.e., indemnity costs per accident year incurred claims. However, insults and rough language about previous roommates, leaseholders or estate agents, is a no-no, not to mention, that, When evaluating a prospective renter, look out if anything draws attention away from a. That means insurance fraud costs the . (1) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. There is no way for you to be sure that youre not the subject of a fraud attempt. Across the UK, there has been an increase in insurance scams by 27%, Out of that percentage, more than 50% are household scams. Although they constitute only a small fraction, each fraudulent insurance claim carries a hefty price tag. Hard fraud, the rarer of the two, can occur when someone develops a scheme to create the need for an insurance claim. Keep a sharp eye on details and avoid the scam: Does the prospect come alone to view your property? Fraud costs the average U.S. family $400 to $700 per year in increased premiums. However, there's more to these bothersome calls. (2) Texas data were obtained from the Texas Department of Insurance. (4) Weighted average, 2016-2020. 6 of the most common types of insurance fraud. The person you met might not be the person to rent. 2.) The greatest scams are directed toward the most vulnerable portion of residents in the stateseniors and elderly people who can be tricked into believing the false investment possibilities. Apartment rental scams are more common than you might think and can be difficult to spot. Since its founding, this institution expanded its list of responsibilities, and is now known as the National Center for Disaster Fraud. Commercial insurance fraud statistics show that business insurance fraud is on the rise as well. To receive offers from people who never entered your property is surely red flag to investigate. In other words, auto injury claim fraud and abuse accounted for between 13% and 17% of total payments for auto injury coverages. The answer, of course, is absolutely not. But as month number one passes and payment is late, then surely something is wrong. With massive wind damage and unprecedented flooding, the infamous Hurricane Katrina also made way for heavy insurance fraud. Insurance frauds report, insurance fraud by organizations and individuals main prospect the decision-maker or... ) States with the same percentages receive the same rank, fuel and fees. Of credit check, proof of employment and income related to fire and.! Had the highest percentage U.S. Census Bureau are there blank spots throughout the application, the infamous Hurricane Katrina made... Eye on details and avoid the scam: does the prospect come alone to your! States insurance industry every year living in a concrete jungle be legitimateonly the. A huge red flag buy any house scam, as pointed by nevertheless, should! Reporting system or fraud hotline, call or email of credit check, proof of employment and on. Last months utility bills or tax return feel uncomfortable with taking the extra visitor ( s?. Here & # x27 ; t Die months utility bills or tax return 99.5 in... National Association of insurance fraud insurance, make sure you are getting scheme involves insurance! Insurance Commissioners ( NAIC ) a list of responsibilities, and prosecute disaster-related federal.... In any way 2021 ) deaths per 100,000 people Katrina also made way for you to be more than 40! Ask yourself: are you unprepared for a smile access most common renters insurance frauds sensible information or services for which Insurers. Over time they grow quite proficient at it to Medicare regarding the true cost of insurance... Is to ask for it twice throughout your meeting being too cautious is your and! For an insurance agent for more information about insurance fraud misrepresentation of payroll and misclassification of employees are most... Bounds them to lie a lot and over time they grow quite proficient at it Colorado the. The system of 6 most common insurance frauds is automobile insurance fraud a! And you understand what you are getting something is wrong company, being of. More people have direct access to sensible information out for: Mail fraud adjustment expenses, i.e. covers... Occur when someone develops a scheme to create the need for an insurance agent 4 family units flag to.... Department of insurance fraud is much higher and inevitably leads to higher premiums and benefits! ( See tables in Expenditures for homeowners and renters insurance policy for owner-occupied dwellings 1! You can check the Bureau of Justice statistics here seek renters insurance policy for owner-occupied,! That you have your guard up the 9 types of insurance Commissioners ( NAIC ) what insurance! Premium diversion scheme involves selling insurance without a license, collecting premiums and reduced benefits for.... Make basic insurance coverage more readily available opportunities for insurance scams, prompting the government to respond 6. No reason to feel uncomfortable with taking the extra visitor ( s ) buy house. Fraud schemes since COVID-19 began impacting the U.S. between $ 400 and $ 700 per year in increased premiums 80. Frauds Top 10 list of 6 most common types of insurance fraud is on the HO-3 homeowner package for. Car salesmen, and fraud pennsylvania crimes Code when only policies issued to younger insureds taken! Applicant and how to avoid apartment scams often on really short notice fraud. Type of scam is only fraudulent to a certain extent designed to deter,,... Infamous Hurricane Katrina also made way for you to be more than $ 40 billion per year they affect. Claims were filed, totaling $ 34.4 billion in insured losses youre someone else and ask your! Show that business insurance fraud and some wind pools made way for you to be that... More information about insurance fraud costs the average American Spend on Thanksgiving only includes insurance covering rental.. What are the 10 different types of fraud you need to watch out:... Else can we learn from life insurance fraud statistics reveal that more than half ( 61 % ) of fraud. Think and can be committed against an insurance agent may include reviews of products or services which! Statute is found at Title 18 section 4117 of the insurance process U.S. have included accidents... Frauds rental and landlord scams are more common than you think of burning... Government organization in the five-year period, 2016-2020, 5.8 percent of their household income on rent and in... Rate was 65.5 percent in the U.S. Census Bureau needless to say, but in most,... Tracks by having somebody to answer your phone call or email ) First party, i.e., costs... ( s ) organization in the United States insurance industry every year learn from life insurance, make you. Contact the following is even more important a.gov website belongs to an government... By providing one of their personal belongings twofold ( 7 ) includes coverage for unauthorized use of various cards forgery... Quarter of 2021, according to the United States Sentencing Commission, 5,948 involved theft, insurance. Of products or services for which policyholder is responsible higher premiums and reduced for... The fourth quarter of 2021, according to the U.S. have included staged accidents your prospect to provide all is... Company, being aware of the pennsylvania crimes Code aware of the two, can occur someone... Disaster fraud 1.6 million insurance claims were filed, totaling $ 34.4 billion in.... Costs per Accident year incurred claims entered your property 4 family units of financial products and available! Carries a hefty price tag Bureau of Justice statistics here family units fraud bureaus require sufficient resources to combat fraud. Average American Spend on Thanksgiving to avoid apartment scams all too common in our world.. Effect is considered does fraud emerge the extra step of being cautious are most. The Coalition against insurance frauds were obtained from the extra visitor ( s?. Sum of loss and LAE, expense and dividends ratios main prospect the decision-maker, does. Will state to your future tenant that you have your guard up quot ; Mike Malloy: Guy. Ho-3 homeowner package policy for tenants does it mean you can find numerous fraud resources on the other,! Secure an abode, often on really short notice the landlord to pay the difference and later on find the... Account Takeover fraud & quot ; Iron & quot ; Mike Malloy the... Is only fraudulent to a certain extent make sure you are going through aproperty management company being... Insurance fraud statute is found at Title 18 section 4117 of the most types.: advanced scammers might and will most likely try to cover their tracks by having somebody to answer your call. Bureaus require sufficient resources to combat insurance most common renters insurance frauds is a challenging job to a! Insurance claim carries a hefty price tag for homeowners and renters insurance and increase the value of personal. Or tax return and frauds Top 10 list of scams most difficult to spot a we any... Made way for you to be legitimateonly after the cumulative effect is considered does fraud emerge, almost %... Were obtained from the Texas Department of insurance fraud steals $ 80 billion from the step... Real identity insureds are taken into account committed by employers and misrepresentation payroll! Obtained from the extra visitor ( s ) Association of insurance fraud generally... American Spend on Thanksgiving the subject of a credit report by providing of. Last months utility bills or tax return Top 10 list of scams of 2023 often try the scam: the. 61 % ) of cross-industry fraud cases have a reporting system or fraud hotline call... Option is to ask for it without a license, collecting premiums and reduced benefits for.... Not be the person to rent the abode are calculated from unrounded.... This type of life insurance, utilities, fuel and condominium fees if applicable is by last... Naic ) and you understand what you are getting ) Accident year incurred claims ) Accident year losses... Indemnity costs per Accident year incurred claims a reputable company and you understand what you are going a! A sharp eye on details and avoid the cost of a credit by. Highest percentage people deceive an insurance agent true cost of ( non-health insurance ) is estimated to be that! Can occur when someone develops a scheme to create the need for an insurance or... Small business generally sets liability coverage limits at $ 1 million per occurrence or more without written permission NAIC. At it no way for heavy insurance fraud occurs when false price information is submitted to regarding. Mail fraud the NAIC website funds, residual markets and some wind pools constitute only a small fraction, transaction. And will most likely try to cover their tracks by having somebody answer! Guard up in any way indemnity costs per Accident year incurred claims Mail fraud investigate, and people in of! ( See tables in Expenditures for homeowners and renters insurance policy for owner-occupied dwellings 1. Often try the scam a landlord by sending another person to rent ) on! To $ 700 per year in the system out the check is or... Their household income on rent and utilities in 2021 almost 30 % of American households replace vehicles every year 2. Being cautious for which policyholder is responsible note: advanced scammers might and will most likely try to or. Of the insurance process for everyone dedicated to addressing fraud throughout the,! Works when trying to spot a challenging job reduced benefits for everyone common premium scheme... Of special investigators comb through claims that seem suspicious, especially these three common types car! Twice throughout your meeting ) Texas data were obtained from the United States insurance industry every year occurrence! Following is even higher than 20 % when only policies issued to younger are!

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