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Report: #104234

Complaint Review: Your Choice - St. George Utah

  • Submitted:
  • Updated:
  • Reported By: Lebanon Indiana
  • Your Choice 899 S. Buss St. St. George, Utah U.S.A.

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I received a call from a gentleman stating that he was with the federal government telling me that I was chosen to receive a government grant. The caller had a portion of my bank account number, my name, my address, and of course, my phone number. I was then given a confirmation number along with an 800 number to call back and provide the conrimation number. Everything worked out ok, so I believed the man to be legitimate.

I was told that $8,000.00 would be deposited to my account on the 13th of August, and then a $249.00 processing fee would be taken from my account. He went on to explain that I would receive a package in the mail within a few days of the deposit, verifying the transaction and containing some other forms that would need to be completed.

On Tuesday, August 17, I checked my bank account only to find that the money had not been deposited as promised, however, the processing fee of $249.00 had indeed been taken out. My bank has a copy of the check that was used to take the money from my account, and it doesn't even have my signature on it. I have filed a claim with my bank and with the attorney general of my state.

My bank is in the process of retrieving the funds, and they have fixed my account so that the company cannot take funds from my account again. All I can say to folks is NEVER give your information over the phone, no matter how legitimate it seems to be.

Melanie
Lebanon, Indiana
U.S.A.

This report was posted on Ripoff Report on 08/18/2004 10:12 AM and is a permanent record located here: https://www.ripoffreport.com/reports/your-choice/st-george-utah-84770/your-choice-rip-off-st-george-utah-104234. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#15 Consumer Suggestion

No, don't go to the better business bureau! It's the BADbusinessbureau.com that has the answers you need!

AUTHOR: Paul - (U.S.A.)

POSTED: Saturday, October 23, 2004
If you're like many people, the first time you come to rip-off report is AFTER you've been scammed. Sometimes, the information in these reports will help you get all your money BACK. Other times, it is gone for good!

So, how can you PREVENT this from happening again? How can you FIGHT BACK against fraud? Who can you trust to give you the facts YOU NEED to keep your hard-earned money OUT of a crook's pocket? One name stands out from all the rest!

BADbusinessbureau.com!

The local POLICE can't help you spot crime in other cities or states. Your friends can't offer advice about companies they never heard of. Even the FEDERAL law enforcement agencies can't keep all the fraud under control. So, what can you do? Are you a sitting duck just waiting for the next fraud to cheat you?

NO! You can LEARN to spot fraud BEFORE it gets your money!

Maybe you think you're too smart to get taken. Well, I've got news for you, pal! The frauds are JUST AS SMART as you are. AND, they have plenty of time to sit around and cook up a scheme that will fool even the best of the best. If you haven't been taken yet, it's just a matter of time!

They're OUT there. Lurking. Planning. Waiting for YOU. They work day and night. Running the same old scams that have cheated people for years. And, thinking up new and sophisticated schemes that will fool even the pros.

They have fake businesses so real you'll never be able to tell the difference until it's too late. They use computer systems that are specially designed to cheat you without you ever figuring it out. The have connections to major banking institutions all over the world! They look and act just like real businessmen. They wear expensive suits to work each day. They work in modern offices as good as anything Donald Trump could buy. They're on the internet. They got ads in the all the newspapers and magazines. They're just WAITING for you to come on by.

They attack you from all sides. Your credit. Your BANK accounts. Your job. Your business. Your car. Your home. Your PHONE. Your computer. Your family. Even your CHILDREN aren't safe from crooks trying to get their hands on your money!

So, what can you do? How can the little guy stand a chance against a world full of corruption and fraud? How can you keep the money you have worked so hard to earn? I'll be honest with you. Alone, you don't stand a chance!

They'll grab your money. They'll tap into to your bank account. They'll copy your checks. They'll hack into your computer and steal your name and all your passwords. Then, they'll use them to wipe you out!

You'll be left broken and desperate. Your credit will be ruined. Your name and reputation will be damaged for years, if not for life.

But, you don't have to be a VICTIM anymore. There is hope for you.

You need to do TWO things to keep fraud out of your life.

First, come to BADbusinessbureau.com and read the reports. Stay up to the minute on how the scams are working and who is running them. See what do to when a crook gets hold of your money. See how the victims across the country are getting taken. And, learn to spot these scams BEFORE they get YOUR hard-earned money.

Before you're ready to spend, take a few minutes to check. It could be a business you're thinking about buying. Or, a friend lets you in on a hot tip. Maybe it's a new item you'd like to purchase. Or, just an everyday need that you have to take care of. Whatever it is, tell them hold on a minute.

I got to check this out on BADbusinessbureau.com!

That's the last thing a fraud ever wants to hear! You see, unlike the Better business bureau, the BADbusinessbureau can't be bought off. There is no membership for a crook to join into. Nothing is ever covered up, like in the Better business bureau. At the BADbusinessbureau, you get the story straight from the people who seen the actual scam. Nothing gets taken down. There is no way for a con artist to keep you from reading the facts.

So, before you hand over your money, tell them. Hold on, I'm going to check this out on BADbusinessbureau.com! With thousands of complaints covering every topic from crooked accountants to worthless weight control scams, the BADbusinessbureau is the veritable A to Z index of fraud in America today. It is THE place to turn to for information on the latest frauds and scams, as they happen.

Then, after you have used the BADbusinessbureau.com, take a minute to support them. You see, fighting fraud is hard work. d**n hard! And, dangerous too. These frauds don't give up easily. Many of them would like nothing better than to see BADbusinessbureau.com disappear forever. They try to hack in. They send threatening letters. The frauds use every crooked lawyer and politician they can find to try to shut this down. They don't want you to HEAR THE TRUTH!

The frauds have big money to spend. Make no mistake, there are many highly successful scams that can easily spend $5 million. The people at BADbusinessbureau need your help to fight back against these frauds. They need to be ready to defend themselves whenever a crooked lawyer files a lawsuit. That takes money. A lot of money!

In addition, more funds allow them to do more to help YOU, the little guy. They can expand and bring you even better coverage of the fraud BEFORE you get taken. They can come up with new and better ways to FIGHT BACK and get you a refund, before a crook can make a clean getaway.

So, help the BADbusinessbureau anytime you can. You don't need to send a large donation to make a difference. If you can find $20 in your budget, that's more money that can be used to fight these frauds. Just $5, or even $2 will make a difference.

There is another reason to donate. It's your way of saying THANK YOU to BADbusinessbureau.com! Thank you for being there. Thank you for taking the time to help! And, thank you for caring enough to listen to my problem! It's like leaving a tip for a job well done. So, before you click off, click the donate link, and tell them thank you for the help.

Remember, without places like this, we will be all alone against a world of fraud. Without the BADbusinessbureau, fraud will surely win! Don't let that happen! Whether it's the terrorists or fraud attacking, we must continue to fight hard to keep our nation strong. Our lives, and the lives of our children depend on it!

God bless all of you!
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#14 Consumer Comment

They Strike Again!!

AUTHOR: Scott - (U.S.A.)

POSTED: Saturday, October 23, 2004
Unfortunately, I was misfortunate to also be fooled by these conmen. In early September, I was also called by a man similar to the one described above asking all the same questions. My first instinct was to look them up on-line to see if they were legit, but I had no access to the net where I was. Hesitently (and stupididly), I gave them the next bits of information they needed to scam me out of $249. During the conversation, my phone died and dropped the call. I tried to call them back to tell them to blow themselves, but, I no response.

I had no money in my account (college kid), so when they tried to take the money out, it just bounced. They tried a second time 2 weeks (Oct 5) later and succeeded. I went to the bank (Bank One) who were very helpful and got a copy of the checks. They were 2 different check numbers!! That is illegal in itself, to be creating checks!!

The bank has reinbursed me all of the overdraw fees thus far. It wasnt until recently, that I finally got online to see if there is any information about this possible scam. And, to my surprise, there is a flood of information (google is great!!) I am only sorry that I did not come accross this website sooner.

I now have a new bank account so that they can never touch my account again. I am working with the local police department, filing a police report. I will soon have my money back through the bank. And, most importantly, I will never fall for anything like this again, nor let any of my friends/family get scammed.

Glad you got your money back, Melanie. Great job, Michael in recognising there BS.

For additional info on these guys:
http://www.bbbwestflorida.org/commonreport.html?bid=90004144
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#13 Consumer Comment

They Strike Again!!

AUTHOR: Scott - (U.S.A.)

POSTED: Saturday, October 23, 2004
Unfortunately, I was misfortunate to also be fooled by these conmen. In early September, I was also called by a man similar to the one described above asking all the same questions. My first instinct was to look them up on-line to see if they were legit, but I had no access to the net where I was. Hesitently (and stupididly), I gave them the next bits of information they needed to scam me out of $249. During the conversation, my phone died and dropped the call. I tried to call them back to tell them to blow themselves, but, I no response.

I had no money in my account (college kid), so when they tried to take the money out, it just bounced. They tried a second time 2 weeks (Oct 5) later and succeeded. I went to the bank (Bank One) who were very helpful and got a copy of the checks. They were 2 different check numbers!! That is illegal in itself, to be creating checks!!

The bank has reinbursed me all of the overdraw fees thus far. It wasnt until recently, that I finally got online to see if there is any information about this possible scam. And, to my surprise, there is a flood of information (google is great!!) I am only sorry that I did not come accross this website sooner.

I now have a new bank account so that they can never touch my account again. I am working with the local police department, filing a police report. I will soon have my money back through the bank. And, most importantly, I will never fall for anything like this again, nor let any of my friends/family get scammed.

Glad you got your money back, Melanie. Great job, Michael in recognising there BS.

For additional info on these guys:
http://www.bbbwestflorida.org/commonreport.html?bid=90004144
Respond to this report!

#12 Consumer Comment

They Strike Again!!

AUTHOR: Scott - (U.S.A.)

POSTED: Saturday, October 23, 2004
Unfortunately, I was misfortunate to also be fooled by these conmen. In early September, I was also called by a man similar to the one described above asking all the same questions. My first instinct was to look them up on-line to see if they were legit, but I had no access to the net where I was. Hesitently (and stupididly), I gave them the next bits of information they needed to scam me out of $249. During the conversation, my phone died and dropped the call. I tried to call them back to tell them to blow themselves, but, I no response.

I had no money in my account (college kid), so when they tried to take the money out, it just bounced. They tried a second time 2 weeks (Oct 5) later and succeeded. I went to the bank (Bank One) who were very helpful and got a copy of the checks. They were 2 different check numbers!! That is illegal in itself, to be creating checks!!

The bank has reinbursed me all of the overdraw fees thus far. It wasnt until recently, that I finally got online to see if there is any information about this possible scam. And, to my surprise, there is a flood of information (google is great!!) I am only sorry that I did not come accross this website sooner.

I now have a new bank account so that they can never touch my account again. I am working with the local police department, filing a police report. I will soon have my money back through the bank. And, most importantly, I will never fall for anything like this again, nor let any of my friends/family get scammed.

Glad you got your money back, Melanie. Great job, Michael in recognising there BS.

For additional info on these guys:
http://www.bbbwestflorida.org/commonreport.html?bid=90004144
Respond to this report!

#11 Consumer Comment

They Strike Again!!

AUTHOR: Scott - (U.S.A.)

POSTED: Saturday, October 23, 2004
Unfortunately, I was misfortunate to also be fooled by these conmen. In early September, I was also called by a man similar to the one described above asking all the same questions. My first instinct was to look them up on-line to see if they were legit, but I had no access to the net where I was. Hesitently (and stupididly), I gave them the next bits of information they needed to scam me out of $249. During the conversation, my phone died and dropped the call. I tried to call them back to tell them to blow themselves, but, I no response.

I had no money in my account (college kid), so when they tried to take the money out, it just bounced. They tried a second time 2 weeks (Oct 5) later and succeeded. I went to the bank (Bank One) who were very helpful and got a copy of the checks. They were 2 different check numbers!! That is illegal in itself, to be creating checks!!

The bank has reinbursed me all of the overdraw fees thus far. It wasnt until recently, that I finally got online to see if there is any information about this possible scam. And, to my surprise, there is a flood of information (google is great!!) I am only sorry that I did not come accross this website sooner.

I now have a new bank account so that they can never touch my account again. I am working with the local police department, filing a police report. I will soon have my money back through the bank. And, most importantly, I will never fall for anything like this again, nor let any of my friends/family get scammed.

Glad you got your money back, Melanie. Great job, Michael in recognising there BS.

For additional info on these guys:
http://www.bbbwestflorida.org/commonreport.html?bid=90004144
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#10 Consumer Suggestion

Its a Rip-OFF!

AUTHOR: Michael - (U.S.A.)

POSTED: Thursday, October 07, 2004
On October the 7th. 2004 @ 3:00 PM I received the same call on my cell phone, the same intro was given and the male teller knew my banks routing number and asked for the $279.00 before he was ready to transfer me to the 1-800 # I told him off, his info was unclear, he had a bad indian/pakistani accent and said his name was Mr. Wendall Sams spelled Smas??? he asked well u do have debt, I said know and I never applied for the grant and he said owe but don't u have debt and got flustered. He also gave me an address of Government Grant Processing Las Vegas Nevada 89114, typing this into to a google search all I could find close to this broad location was a Catholic Church Diocese. Thia scam is BS and I am just upset thinking about it, that these fools are out there ripping people of instead of working like the rest of us!! I soon got online and found your sight and I can say that everything stated above is the same load of crap I was fed. As for Mr. Sams I hope u end up in the pen sharing a room with BUBBA. "BUYER BEWARE!!"
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#9 Consumer Suggestion

They bought your information

AUTHOR: Paul - (U.S.A.)

POSTED: Monday, October 04, 2004
Melanie, if they had personal or financial information that you didn't give out, then they bought it.

Apply for a loan? Apply for a credit card? Filled out an application?

The people that got your information sold it to a fraud company. That's how they knew your s/s and bank account. They used that information to sound legitimate.

If anybody ever calls again out of the blue, tell them the person they are asking about was killed in a car accident. Then, they'll throw the information away.

Glad to hear you got your money, finally. It cost you a lot of time and aggravation, though.

Whenever you get sucked into fraud, you lose!
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#8 Consumer Comment

For those of you who have responded

AUTHOR: Melanie - (U.S.A.)

POSTED: Monday, October 04, 2004
Paul,
Thanks for your well wishes, and yes, you are right. I did not apply for a grant. I don't know much about grants, and I believed what they said. I believed that you did not have to file for a federal grant to be offered one. It's ok, consider me an informed consumer now.

I did finally get my money back, thanks to my bank. Obviously, Patricia, this is some sort of rip-off or my bank would not have been able to retrieve the funds your company took from me. They closed the account out, and a different account has been opened. These people will not be able to collect any more funds from my account, because it doesn't exist anymore !!! I feel very lucky to have gotten my funds back, and I will take your advice Paul. Thanks !!!

I really hope others see this website and think twice before allowing someone to rip you off. The bad thing was, I believed they were the federal government, because they had my ss# and my bank account #. I still can't figure out how they knew my bank account #. I did not provide them that information over the phone.
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#7 Consumer Suggestion

Most of the world knows about the grant con already.

AUTHOR: Paul - (U.S.A.)

POSTED: Thursday, September 30, 2004
Melanie, about 93% of the world already knows about the grant con.

After all, common sense tells you something is wrong here. You didn't apply for a grant. So, why would someone call out of the blue?

The grant company is hoping to find the 7% who fall for this type of con.

If they keep calling, they will find one of them.

It's like panning for gold. You find some here and there. You just need to keep looking.

Sorry to hear you didn't get a refund. Looks like you're out half a week's pay.

Think what you could have bought yourself with that money. Winter is almost here. A new coat? Maybe some shoes? Several pair. Perhaps, a useful item for your home?

Instead, you got nothing! Plus, you spent time and money running down to the bank. All for nothing!

Keep thinking about this. Because, that's the only thing that will keep you from doing something like this ever again.

In addition, read all the other fraud here. There are hundreds of different cons going on. Learn about them, so you can spot them before you get taken again!

Better luck in the future!
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#6 Consumer Comment

More information about this SCAM

AUTHOR: Melanie - (U.S.A.)

POSTED: Thursday, September 30, 2004
Anyone can go to Google.com, type in this number: 800-551-7099 and see the hits you get as a result of the search. These people aren't even American, and I have yet to speak to one person who can speak English clearly. They are out to get your money, and you will never see the grant money they promise.
Please, I urge you to check this 800 number out on the web.

Better yet, see the following links:
http://www.wvs.state.wv.us/wvag/press/2004/june/22.htm

http://www.wixt.com/news/yournews/solutions/story.aspx?content_id=302CE4F5-FEF9-4631-A092-6C9293087092

http://www.spokesmanreview.com/tools/story_pf.asp?ID=17114

http://hartfordadvocate.com/gbase/News/content?oid=oid%3A81774

http://www.consumeraffairs.com/news04/grant_scam.html

These are just a few of the many reports you will see if you use google to search this 800 number. My only hope is that my letter to the attorney general in my state will help me to retrieve my money once these people are stopped.
PLEASE PROTECT YOURSELF FROM THESE RIP-OFF artists!
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#5 Author of original report

I'm the one who originally filed this complaint They will rip you off like they have many other people.

AUTHOR: Melanie - (U.S.A.)

POSTED: Thursday, September 30, 2004
To those of you who thought I got my money back. The bank denied my request because "the item was a check". The check is not one from my account, I did not sign the check, nor did I authorize anyone to take money from my account. The company promised me an $8,000 grant check to be deposited into my account on August 13.

Then they said they would take the fee from that check AFTER it was deposited. I have yet to see that money, however, they had no problem taking my hard earned money. I have received NO supposed materials in the mail from them. I have also received messages on my answering machine from a Maurice with the company. When I attempt to return his call, I'm asked for a confirmation number. Maurice leaves no such number in his messages, so I am told he will call me back. This is a rip off, pure and simple.

All you need do is go to Google and type the 800 number in the search box. You will get all kinds of hits regarding this company. Some states' attorney generals have issued statements against this company, and if there is a God, they will be stopped. I cannot find the 800 number at the moment, but I will be filing another rebuttal before the day is over.

Buyer beware, if someone calls telling you they want to give you a government grant, hang up immediately!!! They will rip you off like they have many other people.
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#4 Consumer Suggestion

Lay It All Out In The Open, Like Any Legitimate Company Would!!

AUTHOR: Reid - (U.S.A.)

POSTED: Wednesday, September 22, 2004
Hey there Everyone,

I hope that this rebuttal finds each and every one of you in good spirits and health.

Paul is absolutely right. Patricia, please start answering questions. Enquiring minds want to know. You seem adamant in wanting people to believe that your company is not a scam.

Any and all legitimate companies would definitely be willing to come in to the public eye and lay it all out in the open. Legitimate businesses that have nothing to hide would also have no problem addressing complaints themselves and rectify them immdiately.

If the Rip-Off Report were to illiminate each and every rebuttal, that have been posted by shill puppets, geez, there would hardly be any rebuttals left. LOL

Legitimate rebuttals are those that address problems and rectify them out in the open. Excuses and attempts to shift any blame on to consumers, gives consumers more reason to believe that a company and it's offer are nothing but a scam.

Patricia's rebuttal in a nutshell: Our company is not a scam! It's the consumers fault for answering their telephone and falling for our fraudulent sales pitches in the first place. It's the consumers fault, that our company makes false claims and are not willing and or able to live up to any of them. STUUUPID!!!

Since you're obviously interested in sucking your way to the top, by trying to justify what's obviously a scam, at very least start answering questions that are thrown your way.

We all know you mean well, by trying to protect your company, but if I were your boss, I would fire you on the spot, for making his company look even worst than it has before.

Until next time, take care everyone cause I care, Aloha from Hawaii and God Bless.
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#3 Consumer Suggestion

Government Grants Are A Lot Harder To Obtain, Than Any Fraudulent Company Would Have You Believe!!

AUTHOR: Reid - (U.S.A.)

POSTED: Tuesday, September 21, 2004
Hey there Everyone,

I hope that this rebuttal finds you in good spirits and health.

Hey Patricia, Remove the pole from your hole, pull your panties up, than your pants, stand up straight, and get a clue.

What the f%ck are you talking about?!! Why do you feel, that it's Melanie's, or anyone else's responsibility to ask questions, when it is them that have received the phone call?

Your f%ck!ng company is the one conducting the cold calling, so it's your company's responsibility to make absolute sure the consumers are fully aware of what they are getting in return for their investment.

If your company is legitimate, why do they send spineless puppets, and fudge-packing genetic imbreeds to post retardo rebuttals on their behalf?

The fact that this person claimed to be with the federal government, when he in fact isn't, is fraud in itself... You Patricia, are knowingly participating in fraudulent activities.

Government grants are very difficult to obtain, but there are many companies that claim they can give a person an upper hand.

There are many companies that make it seem as though grants are easily obtainable, when in fact, grants are really scarce and next to improbable to receive.

Patricia, you are truly wasting your time trying to win brownie points for your fraudulent employer.

Legitimate employers, with legitimate businesses would definitely have no proble coming forward themselves, to post detailed information on exactly what kind of products and or services they are providing. Including the exact terms and conditions of their offer.

A legitimate rebuttal is one that is capable of proving reports false or to the contrary. Your rebuttal does none of the above.

Any and all consumers are aware, that you Patricia, are nothing but a shill. Your pathetic excuses and valiant attempt to shift the blame on to the consumers, only makes your company look worst, so save it! No ones trying to hear it.

Until next time, take care everyone cause I care, Aloha from Hawaii and God Bless.
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#2 Consumer Suggestion

If the con artists are coming here to plead their case, this site must be cutting into their "business" big-time!

AUTHOR: Paul - (U.S.A.)

POSTED: Monday, September 20, 2004
Melanie, you were very lucky. You got your money back. And, it sound like it was fairly easy for you. You also sound like you have learned a lesson. Hopefully, you will never give your money to con artists again.

It's nice to see Patricia coming here to post her comment. Does she want questions? I have several!

Has anyone ever gotten a grant using the material your company supplies? Really? How much? It's not that we don't believe you. It's just that we think you are lying. So, to be on the safe side, could you provide the names and numbers for 3 people who actually got grants using your information? Surely, a reputable company like yours can show that 3 people have been able to do what you claim!

And, for all the people who never get grants, what do they end up with for their $249? Just what is in the package they receive that is worth $249? Perhaps the secret of life itself?

And, last, why bother selling the information to the public? Why doesn't everone at your "company" simply go out and get grants? Hell, why bother setting up an elaborate phone system and calling people all day? Get these $8,000 grants from the government. That's who you should be calling. Not Melanie. But, the government. For your free grant!

You know, Patricia, if this site stays up and all your potential victims come here before they send you any money, you might just end up getting a grant from the government after all! You will be eligible for an unemployment grant. You sign up for that grant down at the unemployment office near you. I just hope that the workers there don't try to charge you $249 before you get your grant! Wouldn't that be ironic?
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#1 UPDATE Employee

Ask questions ...If we are a rip-off

AUTHOR: Patricia - (U.S.A.)

POSTED: Monday, September 20, 2004
I work for the company. If Melanie would have called and asked more questions instead of jumping the gun she would have been told how things work. If we are a rip-off would Melanie have gotten a 1-800. I would say not.
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