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FHLBank San Francisco Awards $66.3 Million for Affordable Housing: Nearly 2,900 Homes Created

Affordable housing remains one of the biggest challenges facing communities across the United States.
 
As home prices, rental costs, construction expenses, and interest rates continue putting pressure on households, many families, seniors, and essential workers are struggling to find homes they can afford.
 
To help address this growing shortage, the Federal Home Loan Bank of San Francisco has announced a major new investment of $66.3 million in affordable housing grants.
 
The funding will support 45 housing developments across Arizona, California, and Nevada, helping create nearly 2,900 affordable homes for low-income households.
 
The goal is simple: increase housing supply and provide more stable housing opportunities for communities facing affordability challenges.
 
The affordable housing shortage has become more difficult because of several factors, including rising construction costs, limited land availability, higher financing expenses, and strong demand.
 
These challenges have made it harder for developers to build homes that remain affordable for lower-income residents.
 
The new grant program will support a wide range of projects.
 
Approximately $60.1 million will fund 39 developments in Arizona and California, creating nearly 2,700 affordable homes.
 
Another $6.2 million will support six projects in Nevada, adding 218 additional affordable units.
 
A significant portion of the funding will focus on vulnerable populations.
 
More than $20 million will support senior housing developments, creating over 750 homes for older adults living on fixed incomes.
 
Around $17.9 million will support mixed-income communities designed to provide housing options for households across different income levels.
 
Nearly $27.9 million will support supportive housing projects, creating approximately 944 homes for individuals and families who have experienced homelessness.
 
These developments often include additional services such as housing assistance, community resources, and stability programs.
 
The demand for affordable housing funding remains extremely high.
The latest program received 125 applications from financial institution members, showing how many communities are searching for solutions.
 
While this $66.3 million investment will not solve the entire affordable housing shortage, it represents an important step toward increasing housing supply and supporting communities across the western United States.
 
Affordable housing investment creates benefits beyond individual households.
 
More housing availability can help reduce rental pressure, improve community stability, and create more opportunities for families to achieve long-term financial security.
 
Since the Affordable Housing Program began in 1990, billions of dollars in grants have helped create and preserve affordable homes across the country.
 
Looking ahead, solving America’s housing affordability challenge will require continued cooperation between government programs, financial institutions, developers, and local communities.
 
The need remains significant, but investments like this show that expanding housing supply can help move the market toward a more balanced and accessible future.
 
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#AffordableHousing #HousingSupply #RealEstateMarket #HousingCrisis #CommunityDevelopment 

14.5 Million Vacant Homes in America: Why Housing Still Feels Unaffordable

The United States has millions of empty homes, but that does not mean buyers and renters suddenly have more housing options.
 
According to recent housing data, approximately 14.5 million homes across the country are vacant. That represents about one out of every ten homes nationwide. However, the majority of these properties are not actually available for people searching for a place to live.
 
The key difference is between vacant homes and available homes.
 
Of the 14.5 million vacant properties, about 4.7 million are seasonal or recreational homes, such as vacation properties. Another 2.6 million are rental units that may be between tenants. 
 
Meanwhile, fewer than 800,000 vacant homes are currently listed for sale.
 
This explains why many buyers continue facing limited inventory despite millions of homes sitting unused.
 
A vacant vacation home in a seasonal market does not help a family searching for a year-round residence. Likewise, properties temporarily unavailable or waiting for new occupants do not increase the supply available to active buyers.
Location also plays a major role.
 
States like Maine, Vermont, and Alaska have some of the highest vacancy rates in the country, largely because of seasonal properties. In Vermont, nearly 76% of vacant homes are classified as seasonal or recreational.
 
On the other hand, states with lower vacancy rates, including Connecticut, Washington, California, New Jersey, and Oregon, often experience tighter housing markets with stronger competition among buyers and renters.
 
Florida is a great example of why vacancy numbers can be misleading. The state has one of the highest vacancy rates, with roughly 1.5 million empty homes. But many of these properties belong to retirees, vacation homeowners, or seasonal residents. Strong population growth and housing demand continue despite the high vacancy rate.
 
Vacancy levels also connect closely with home prices. States with lower vacancy rates typically have higher home values because fewer available homes create more competition.
 
Over the past decade, the national vacancy rate has declined from about 12.5% in 2014 to around 10.1% in 2024. This decline reflects a housing market where demand continues absorbing available supply.
 
For investors, vacancy trends can reveal opportunities, but understanding the reason behind the vacancy is essential. A market with many vacation homes is very different from a market with abandoned properties or weak demand.
 
The bigger housing challenge is not simply the number of homes that exist. It is whether those homes are located where people need them, affordable for local households, and available year-round.
 
Millions of vacant homes do not automatically solve the housing shortage. The real question is: how many homes are actually available for the people who need them?
 
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Foreclosure Rates Rise Again:10 Affordability Challenges Push More Homeowners Into Default

The U.S. housing market is facing a new challenge as foreclosure activity continues rising after several years of historically low default rates. Higher mortgage payments, rising insurance costs, increasing property taxes, and elevated living expenses are putting more pressure on some homeowners.
 
While today’s foreclosure levels remain far below the housing crisis of the late 2000s, recent data shows that default activity has reached its highest point in nearly seven years.
 
By early 2026, the national new foreclosure rate reached approximately 0.24%. This is still considered a relatively low level historically, but the upward trend shows that affordability challenges are beginning to affect certain homeowners.
 
Several factors are driving the increase. Many recent buyers purchased homes after 2021 when prices were near record highs and mortgage rates were significantly higher than previous years. These homeowners often have less accumulated equity and fewer financial options if unexpected expenses arise.
 
Rising insurance premiums have also become a major concern, especially in areas affected by storms and natural disasters. For some homeowners, higher insurance costs combined with mortgage payments and property taxes have created significant monthly financial pressure.
 
When a property goes through foreclosure and does not sell at auction, it can become a Real Estate Owned, or REO, property. These homes are often sold in their current condition and may provide opportunities for experienced buyers and investors.
 
Recent data shows REO properties can sell at meaningful discounts compared with estimated market value. However, lower purchase prices often come with additional risks, including repairs, title issues, insurance challenges, and financing difficulties.
 
Foreclosures currently represent only a small portion of the housing market, but certain areas are experiencing higher concentrations. Smaller markets with lower incomes, older housing stock, and greater exposure to rising costs are seeing some of the strongest pressure.
 
For investors, distressed properties can create opportunities through strategies such as renovations, rental investments, and value-add projects. But success requires careful analysis of repair costs, financing, taxes, insurance, and local market conditions.
 
For buyers interested in foreclosure properties, preparation is essential. Inspections, title research, insurance verification, and understanding local foreclosure laws are critical steps before making a purchase.
 
Importantly, the current increase in foreclosures does not represent a repeat of the 2008 housing crash. Most homeowners today have stronger equity positions, lending standards are stricter, and overall foreclosure levels remain historically moderate.
 
However, rising foreclosure activity is an important reminder that affordability remains one of the biggest challenges facing the housing market in 2026.
 
As housing costs continue evolving, successful buyers and investors will need careful planning, accurate financial analysis, and a clear understanding of both the opportunities and risks in today’s real estate market.
 
Our specialty is assisting you in easily obtaining the finest loan available, offering professional advice to help you reach your real estate investing objectives stress-free. Contact today for a tailored consultation, where our expert advice turns potential into profitable reality. 
 
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Rental Affordability Improves: More Renters Find Homes Within Budget in 2026

After several years of rising rents and limited housing choices, the U.S. rental market is finally shifting in favor of tenants. More apartment construction, higher vacancy rates, and increased competition among landlords are creating better opportunities for renters across many cities.
 
The biggest improvement is affordability. In May 2026, approximately 74% of rental listings were considered affordable for households earning the national median income of about $78,000 per year. The typical household is currently spending around 26.9% of income on rent, below the traditional affordability benchmark of 30%.
 
Rent prices are still increasing, but the pace has slowed significantly. The average monthly rent reached about $1,951, rising roughly 2% from the previous year. At the same time, household incomes have grown at a similar pace, helping offset higher rental costs.
 
A major reason behind this improvement is the increase in apartment supply. The U.S. completed approximately 592,000 new apartments in 2024, the highest annual total since 1974. This wave of new construction has created more choices for renters, increased competition among landlords, and encouraged more lease incentives.
 
Today, nearly 40% of rental listings include some type of concession. These incentives can include free rent periods, reduced deposits, lower fees, parking benefits, and more flexible lease terms.
 
Multifamily housing has seen some of the strongest improvements. Nearly 79% of apartment listings were considered affordable in May, up from the previous year. Single-family rentals have also improved, with affordability rising from about 44.6% to 47.1%.
 
Several cities are leading the rental affordability trend. Raleigh, North Carolina, Austin, Texas, Louisville, Kentucky, Salt Lake City, Utah, and Portland, Oregon are among the markets with some of the highest shares of affordable rental listings.
 
Florida has also seen meaningful improvement. In Tampa, affordable rental availability increased from about 52% to over 61%, while Orlando improved from roughly 61% to nearly 70%.
 
However, not every market is improving. Cities with limited new construction continue facing rental pressure, and some expensive markets are still seeing significant rent increases.
The biggest question moving forward is whether today's renter-friendly conditions will continue. 
 
Apartment construction is slowing due to higher interest rates, rising building costs, and more expensive financing. Since new housing supply takes years to develop, fewer future projects could eventually tighten rental markets again.
 
For renters, today's environment provides advantages that have been difficult to find in recent years: more choices, stronger negotiating power, slower rent growth, and better incentives.
The rental market has clearly shifted, but timing may matter. Those looking for a new lease may find some of the best negotiating opportunities available before future supply challenges return.
 
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Housing Market Survey: More Agents Report a Balanced Real Estate Market

After several years of tight inventory, rapidly rising home prices, and intense competition, the U.S. housing market is finally showing signs of balance. According to a new nationwide survey of real estate professionals, buyers and sellers are negotiating on more equal footing as inventory improves and pricing becomes more realistic.
 
During the second quarter of 2026, 44% of agents described their local market as balanced—up from just 30% a year earlier. That’s a significant shift from the seller-dominated markets seen during the pandemic housing boom. Homes are now selling based on price, location, and condition rather than who has the upper hand in bidding wars.
 
Sales activity continues to show modest improvement. Existing home sales in May increased roughly 3% year over year, supported by more homes on the market, moderating prices, and stronger buyer confidence. Sellers are also pricing homes more realistically, leading to fewer price reductions. Just 57% of agents reported at least one price cut on active listings, down from 89% in late 2025.
 
National home prices remain slightly higher than last year, but asking prices declined about 2.5% in June—the eighth consecutive month of declines and the largest annual drop since 2017. Meanwhile, contract cancellations fell from 51% in the first quarter to 40% in the second, signaling stronger transaction reliability.
 
Inventory continues to improve. Active listings increased nearly 2% year over year, with new listings up about 2.4%, giving buyers more options than they’ve had in several years. There are currently around 1.1 million homes on the market nationwide, nearly double the number during 
the post-pandemic shortage in 2023.
 
Even so, mortgage rates remain the top concern for buyers, with 37% of agents identifying rates as the biggest affordability challenge, up from 26% at the end of 2025. Affordability continues to shape purchasing decisions despite improved inventory and more balanced market conditions.
 
Local markets still vary widely. Some cities continue to face strong buyer demand and limited supply, while others are more favorable to purchasers. This makes local market knowledge critical for both buyers and sellers.
 
For buyers, the current market offers more inventory, stronger negotiating opportunities, realistic pricing, fewer bidding wars, and lower cancellation rates. For sellers, success now depends on accurate pricing, quality presentation, and proper preparation to attract qualified buyers.
 
Overall, the latest survey shows the U.S. housing market is moving toward a healthier balance. As supply continues to grow and prices moderate, buyers and sellers are negotiating more effectively. Mortgage rates, local conditions, and inventory levels will remain key factors shaping housing activity through the second half of 2026.
 
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Mortgage Rates Move Lower: Purchase and Refinance Rates Ease on July 7, 2026

Mortgage rates moved modestly lower on Tuesday, giving homebuyers and homeowners a welcome break after several weeks of elevated borrowing costs. While rates remain above the historic lows seen during the pandemic, the latest decline improves affordability for many buyers entering the summer market.
 
Most popular mortgage products saw small drops. The 30-year fixed fell to 6.36%, the 15-year fixed dropped to 5.83%, and the 5/1 adjustable-rate mortgage declined by 21 basis points to 6.31%. Even modest decreases like these can meaningfully lower monthly payments, especially on larger loans.
 
For homeowners considering refinancing, these changes provide a slight advantage. Refinance rates are often slightly lower than purchase rates, giving some borrowers an opportunity to reduce monthly costs or overall interest paid. Comparing multiple lenders remains crucial, as pricing varies based on credit, loan size, and property type.
 
When choosing a mortgage, buyers must weigh options between 30-year and 15-year fixed loans. The 30-year mortgage offers lower monthly payments and flexibility but results in higher total interest. Meanwhile, a 15-year loan accelerates equity growth and reduces total interest, though monthly payments are higher. Adjustable-rate mortgages are also available, but with limited pricing benefits compared to fixed-rate options, many borrowers now prefer the stability of a fixed loan.
 
Mortgage rates continue responding to inflation expectations, Federal Reserve policy, Treasury yields, labor market conditions, and broader economic growth. Recent reports of slower job creation helped push rates slightly lower, easing some pressure on buyers.
 
Today’s housing market also offers other advantages. Inventory has improved, sellers are pricing more realistically, and buyer negotiating power has increased. These factors, combined with slightly lower rates, create opportunities for qualified buyers this summer.
 
To secure the best mortgage rate, borrowers should maintain strong credit, save for a larger down payment, reduce debt, improve debt-to-income ratios, compare lenders, and review both interest rates and fees. Even small improvements can make a significant difference over the life of a loan.
 
Looking ahead, forecasts suggest rates will remain near the mid-6% range through 2026, with modest daily fluctuations. While dramatic declines are unlikely, stable borrowing costs paired with a more balanced market can benefit buyers and homeowners planning purchases or refinancing.
 
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World Cup Hiring Expected to Support June Jobs Report Temporary Employment Could Lift Payroll Growth

The 2026 FIFA World Cup brought more than thrilling matches to U.S. fans—it also gave a temporary boost to the labor market. As millions of visitors traveled to host cities, businesses expanded hiring to meet higher demand in hotels, restaurants, transportation, entertainment, and event services.
 
Economists expected overall payroll growth to slow in June, projecting roughly 115,000 new jobs. But private data suggested the World Cup could add around 40,000 temporary positions, mostly concentrated in leisure and hospitality. Restaurants, hotels, bars, and entertainment venues increased staffing by nearly 10% to accommodate visitor traffic, longer operating hours, and tournament-related activities.
 
Host cities outperformed other markets, showing stronger employment gains due to international tourism, domestic travel, retail spending, and event operations. While these roles are largely temporary, they demonstrate how major sporting events can influence local economies and even national employment data for the month.
 
Other industries also benefited, including professional services, transportation, warehousing, security, and facilities management. Analysts projected that payroll growth in June could reach around 140,000 jobs if World Cup hiring was fully reflected, though still below May’s pace.
 
It’s important to remember that temporary employment does not indicate long-term economic growth. Many positions disappear once visitor activity declines, which is why economists look at multiple months of labor data rather than a single report. Seasonal and special events often create fluctuations, but sustained job growth requires broader, ongoing hiring across industries.
 
These employment numbers remain critical for mortgage rates. Strong payroll growth can increase wage pressures and inflation expectations, influencing Federal Reserve decisions and, in turn, borrowing costs for homebuyers. Conversely, temporary or weaker hiring can ease rate pressures.
 
For the housing market, temporary boosts like the World Cup may support short-term local spending and mortgage activity, especially in host cities. But long-term housing demand still depends on sustained job growth, wages, interest rates, and affordability.
 
As 2026 continues, economists and policymakers will focus on the bigger picture. While special events create noticeable, short-term effects, the overall labor market trajectory—and its impact on mortgages and home buying—relies on permanent employment trends and broader economic conditions.
 
Our specialty is assisting you in easily obtaining the finest loan available, offering professional advice to help you reach your real estate investing objectives stress-free. Contact today for a tailored consultation, where our expert advice turns potential into profitable reality.  
 
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#WorldCupEconomy #LaborMarket2026 #TemporaryJobs #MortgageRates #HousingMarketInsights 

Labor Force Participation Drops: Why Fewer Americans Are Looking for Work

The latest U.S. employment report delivered mixed signals for the economy. At first glance, the unemployment rate edged down to 4.2%, but a closer look reveals a concerning trend: fewer Americans are participating in the labor force.
 
In June 2026, the labor force participation rate fell to 61.5%—the lowest level outside the pandemic era in nearly 50 years. Approximately 720,000 people left the workforce, while household employment declined by roughly 507,000. This suggests many Americans are stepping out of the job market, not finding employment.
 
Even prime-age workers, between 25 and 54, saw participation drop to 83.3%, the lowest since December 2023. For this key working group, declining engagement may indicate broader labor market weakness beyond demographic shifts or early retirements.
 
Industry trends showed uneven performance. While payroll data indicated modest gains of 57,000 jobs, sectors like leisure and hospitality saw declines, highlighting potential softness in consumer-facing industries.
 
Why does this matter? Labor force participation provides a more accurate measure of workforce health than unemployment alone. When fewer people are actively working or seeking employment, overall economic activity and household income potential may be constrained.
 
For the Federal Reserve, this data could influence monetary policy. A cooling labor market may reduce pressure to raise interest rates further, particularly if inflation begins to moderate. Lower participation could even support more stable or slightly lower mortgage rates in the months ahead.
 
The housing market, too, is closely tied to employment trends. Healthy workforce participation drives consumer confidence, mortgage qualification, household formation, and home purchases. Conversely, weaker labor engagement may soften housing demand in some regions, even as elevated rates and affordability challenges persist.
 
Looking ahead, economists will focus on whether June represents a temporary fluctuation or the start of a broader slowdown. Inflation reports, employment surveys, and Federal Reserve decisions will play a critical role in shaping economic and housing market expectations through the remainder of 2026.
 
Understanding the full picture of labor market dynamics—beyond the headline unemployment rate—is essential for policymakers, businesses, and homebuyers alike. The workforce is at the heart of economic activity, and tracking participation trends will remain key to anticipating future growth and opportunities.
 
Our specialty is assisting you in easily obtaining the finest loan available, offering professional advice to help you reach your real estate investing objectives stress-free. Contact today for a tailored consultation, where our expert advice turns potential into profitable reality. 
 
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Homebuyers Finally Gain the Advantage: June 2026 Housing Market Brings More Choices

After years of limited inventory, skyrocketing prices, and intense competition, the U.S. housing market is finally showing signs of balance. June 2026 data reveals that buyers are returning, sellers are adjusting pricing strategies, and homes are selling at a pace much closer to historical norms.
 
Nationally, the median list price reached $430,000, down 2.5% from last year, marking the eighth consecutive month of annual price declines. Price per square foot also fell 2.1%, confirming that these adjustments aren’t just due to changes in the types of homes for sale. Today, sellers are listing properties closer to realistic values from the start, which is helping transactions move more smoothly.
 
Buyer demand remains steady. Pending home sales increased 3.7% year over year, marking the seventh consecutive month of growth—the longest streak since mid-2021. Contract cancellations also declined slightly, indicating that more buyers are completing purchases successfully.
 
Housing supply is gradually improving. June saw about 463,480 new listings, up 2.4% from last year, and active inventory reached roughly 1.10 million homes, growing 4.1% from May. Although supply is still below pre-pandemic norms, more homes are available, giving buyers greater negotiating power and flexibility.
 
Regional trends highlight a diverging market. The West and South continue seeing the largest price adjustments, with median list prices down 4% and 2.5%, respectively. In contrast, the 
Midwest and Northeast remain stronger, with stable or rising price per square foot. Over the past four years, the national median list price has declined 4.2%, while the West fell 7.3% and the Northeast rose 12.6%, showing the importance of analyzing local market conditions.
 
Metro areas are experiencing different trends. Austin, Memphis, and Buffalo saw the biggest declines in price per square foot, while Providence, Indianapolis, and New York City posted the largest increases. Inventory growth also varies, with Louisville, Buffalo, and Seattle showing the strongest gains.
 
Homes are selling at a normal pace again. The median property spent 53 days on the market in June, ending a 26-month period of slower sales and bringing the market back in line with pre-pandemic conditions.
 
For buyers, this means more options, increased negotiating power, slower price growth, and fewer bidding wars. Sellers who price realistically continue to attract qualified buyers, making the market healthier for both sides.
 
Looking ahead, July may bring a seasonal slowdown, but current trends indicate a stable housing environment. If mortgage rates remain steady and inventory continues to expand, buyers could experience one of the most balanced summer markets in years.
 
Our specialty is assisting you in easily obtaining the finest loan available, offering professional advice to help you reach your real estate investing objectives stress-free. Contact today for a tailored consultation, where our expert advice turns potential into profitable reality. 
 
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https://www.forumnadlanusa.com/2026/07/june-2026-housing-market-buyers-gain-advantage/ 
#HousingMarket2026 #RealEstateTrends #HomeBuyingTips #MortgageRates #MarketBalance 

Housing Payments Rise Again: Home Prices and Mortgage Rates Push Monthly Costs Higher

June 2026 saw U.S. housing costs climb again, as higher mortgage rates combined with rising home prices pushed monthly payments to their highest levels in months. The typical monthly mortgage payment for homebuyers reached around $2,633, marking a 1.4% increase year over year—the first annual rise since last October.
 
Home values also continued to hit new highs. The national median sale price reached approximately $408,838, up 2.5% from last year, while the median asking price climbed to $404,414. Even modest price increases, combined with elevated mortgage rates, have made affordability a growing challenge for many buyers.
 
Despite these higher costs, buyer activity remains surprisingly resilient. Pending home sales totaled roughly 324,251, up 2% from last year, showing that many households are adapting to the current borrowing environment. More listings have also entered the market, with around 358,736 new homes available, giving buyers more options and negotiating power than in previous years.
 
Inventory remains stable at about 1.48 million active homes, a level that supports steady transactions while keeping the market balanced. Sellers, meanwhile, continue to benefit from strong demand—but realistic pricing and property presentation have become essential to attract competitive offers.
 
Regionally, housing conditions vary. Some metropolitan areas like San Francisco, West Palm Beach, and Pittsburgh saw double-digit price growth, while markets like Seattle, San Jose, and Riverside experienced slight declines as prices adjust after pandemic-era surges. Pending sales were strongest in San Francisco, Austin, and West Palm Beach, whereas slower activity in Seattle, Houston, and Detroit could provide buyers with additional negotiating leverage.
 
For homebuyers, this market offers a mix of challenges and opportunities. Higher mortgage payments remain a concern, but improving inventory, more balanced seller expectations, and slower price growth create conditions for smarter, more strategic purchases. Comparing lenders, checking credit scores, and reviewing multiple loan products are essential steps for reducing long-term borrowing costs.
 
Looking ahead, housing affordability will continue to be shaped by mortgage rates, inflation, and local market conditions. Buyers who prepare financially and act strategically can still find opportunities, while sellers who price realistically and maintain move-in-ready homes remain well-positioned.
 
The June 2026 housing report highlights a market that’s adjusting and stabilizing—one where understanding local trends and staying flexible are key for both buyers and sellers.
 
Our specialty is assisting you in easily obtaining the finest loan available, offering professional advice to help you reach your real estate investing objectives stress-free. Contact today for a tailored consultation, where our expert advice turns potential into profitable reality. 
 
🔍 If you’re looking to get the best possible mortgage in the U.S. for Foreign Nationals and Americans, and want to run an auction between more than 3,000+ lenders, click here👇
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Continue reading on our site:
https://www.forumnadlanusa.com/2026/07/housing-payments-rise-home-prices-mortgage-rates-june-2026/ 
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