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Banks Wanting to Enter the Real Estate Business

Banks Wanting to Enter the Real Estate Business

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Published by TA Webster
In 2003, Banks wanted to enter the Real Estate Business. They were met with strong opposition by NAR and most Brokerage firms who felt that Banks did not belong in the Real Estate Business. Guess who won?
In 2003, Banks wanted to enter the Real Estate Business. They were met with strong opposition by NAR and most Brokerage firms who felt that Banks did not belong in the Real Estate Business. Guess who won?

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Published by: TA Webster on Nov 13, 2012
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12/04/2012

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HBTHJAZ :>>2^QJFCB@TCHO 0=4>
@ Za~zcot mzhg
Tcazz` Iz`oda
Jzheaz`ia
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may sa`zr`ih& ghzti`iaj`oeazr yaza q~co `zgr h}az tla tlza`t~hrad js za`f art`ta `iaotrylh yaza iattcoi co}hf}ad cotla fh`o hzcico`tcho ~zhbarr/ Qrcoibhg~qtazc{ad fh`o hzcico`tcho rsr'tagr& `iaotr yaza jaicoocoi& `od co rhgab`rar bhg~fatcoi& fh`o hzcico`tcho/ Rhga yazabza`tcoi Bhotzhffad Jqrcoarr @zz`oiagaotr& ylcbl `ffhyza`f art`ta jzheazr th hyo `od h~az`ta ghzti`ia j`oecoih~az`tchor/Ghzti`ia jzheazr ma`zad tl`t za`f art`ta `iaotr yaza rhcoqaotc`f tl`t lhgajqsazr yhqfd ic}a `ff tlacz ghzt'i`ia jqrcoarr th faodazr `mmcfc`tad yctl tla jzheaz/ @r cttqzoad hqt& tla tlza`t y`r h}azjfhyo/ Ghzti`ia bhg~`'ocar fa`zoad lhy th yhze yctl tla cooh}`tcho js cg~zh}'coi tla y`s tlas dcd jqrcoarr/Ohy tla rctq`tcho cr za}azrad& `od tla za`f art`tacodqrtzs cr j`ttfcoi th eaa~ faodazr — r~abcb`ffs bhg'gazbc`f j`oer — mzhg aobzh`blcoi ho tlacz jqrcoarr/Fhoirt`odcoi zartzcbtchor ho tla `btc}ctcar hm madaz`ffsbl`ztazad j`oer yaza f`ziafs yc~ad hqt co 0333& `ffhycoij`oer th aoi`ia co `ycdaz `zz`s hm o`o'bc`f `od bhg~fagao't`zs raz}cbar/ Tlqr m`z&tlcr bl`oia l`r `ffhyadj`oer th qodazyzcta rabqzc'tcar `od raff corqz`oba/ Ohyj`oer `za fhhecoi th a|~`od cothza`f art`ta jzheaz`ia th mqooaf ghzajqrcoarr th tlacz ghzti`ia fh`o h~az`tchor/Tla O`tcho`f @rrhbc`tcho hm Za`fthzr ,O@Z# l`r r~horhzadjcffr th dabf`za za`f art`ta jzheaz`ia `od ~zh~azts g`o`iagaothmm'fcgctr th j`oer/ Lhy gqbl hm ` tlza`t yhqfd j`oer aotaz'coi tla jzheaz`ia jqrcoarr ~hra mhz za`f art`ta ~zhmarrcho`fr8
Raizai`tcho hm Mco`obc`f Mqobtchor
Tla J`oecoi @bt hm 0322 cobfqdad tla If`rr'Rtai`ff ~zh}c'rcho& ylcbl y`r darcioad th zaco co tla ~hyaz hm jci j`oer js~zhlcjctcoi tlag mzhg aotazcoi tla co}artgaot j`oecoi jqrc'oarr `od htlaz o`obc`f raz}cbar jqrcoarrar rqbl `r corqz`oba/Tlcr& ct y`r jafca}ad& yhqfd ~qt tla o`tcho–r o`obc`f rsrtagho ` rghhtl& zaiqf`tad ~`tl/ Js tla 033>r& lhya}az& g`os hmtla If`rr'Rtai`ff zartzcbtchor l`d jaao ya`eaoad/ J`oer yazahmmazcoi corqz`oba raz}cbar a}ao jamhza tla zartzcbtchor yaza
 
hmmcbc`ffs za~a`fad yctl tla 0333 ~`rr`ia hm tla Iz`gg'Fa`bl'Jfcfas @bt ,IFJ@#/Qodaz IFJ@& madaz`ffs bl`ztazad j`oer b`o bza`ta o`obc`flhfdcoi bhg~`ocar th bhodqbt `os jqrcoarr tl`t cr o`obc`f coo`tqza `od g`s ~zh}cda raz}cbar tl`t `za cobcdaot`f hz bhg~fa'gaot`zs th tlara o`obc`f raz}cbar/ J`oer b`ooht aoi`ia cobhg~fagaot`zs `btc}ctcar dczabtfs jqt b`o bza`ta `od bhotzhfrqjrcdc`zcar th bhodqbt rqbl jqrcoarr/Tla f`y daoar r~abcb `ffhy`jfa raz}cbar& `od tla Madaz`fZaraz}a J`oe `od tla Q/R/ Da~`ztgaot hm tla Tza`rqzs l`}atla `qtlhzcts th `dd htlaz raz}cbar/ Tla `bt a|~zarrfs ~zhlcjctrza`f art`ta co}artgaot `od da}afh~gaot/
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lhztfs `mtaz ~`rr`ia hm IFJ@& tla @gazcb`o J`oeazr@rrhbc`tcho ,@J@# ~atctchoad tla Mad `od Tza`rqzs mhz`qtlhzc{`tcho th hmmaz za`f art`ta jzheaz`ia `od ~zh~aztsg`o`iagaot raz}cbar/ Rtzhoi h~~hrctcho mzhg O@Z ~zhg~tadhmmcbc`fr th a|taod tla tcga `ffhyad mhz bhorcdaz`tcho hm tla~zh~hr`f/ @ dabcrcho l`r sat th ja zaodazad/O@Z cr `ttag~tcoi ` ~zaag~tc}a rtzcea th ~za}aot za`f art`ta`btc}ctcar mzhg jacoi `ddad th tla fcrt hm `ffhy`jfa raz}cbar/ @tO@Z–r qzicoi& Rao`ta Jcff 3< `od Lhqra Jcff 000 yaza cotzh'dqbad tlcr sa`z `r tla ‖Bhggqocts Blhcba co Za`f Art`ta@bt/‗ Tla jcffr yhqfd `gaod tla J`oe Lhfdcoi Bhg~`os@bt hm 031= th ~za}aot tla Mad `od Tza`rqzs mzhg odcoi za`fart`ta jzheaz`ia hz ~zh~azts g`o`iagaot th ja faictcg`ta`btc}ctcar mhz j`oe lhfdcoi bhg~`ocar/
LHGAJQSAZR GCILT 
 oht ohtcba ` dcmmazaobacm j`oer aotaz tlajzheaz`ia jqrcoarr/Jqsazr yhqfd fceafs cotaz`bt yctl ~azrhooaf hm j`oe rqjrcdc`zcarh~az`tcoi hqt hm fhb`f hmbar/
fh`or gcilt oht ja tla jart hoar mhz tla jhzzhyazr/ Tla jzheaz&O@Z r`sr& g`s a}ao fa`d tla jqsaz coth tlcoecoi tla r`fa crbhotcoiaot ho qrcoi tla j`oe–r o`obcoi/Tla @J@ zar~hodr th tlara hjkabtchor js ~hcotcoi hqt tl`tj`oer `za bh}azad js tla bhocbt hm cotazart ~zh}crchor hmtla Za`f Art`ta Rattfagaot ^zhbadqzar @bt ,ZAR^@# `r yaff`r r~abcb ‖`otc'tscoi‗ f`yr tl`t `~~fs hofs th bhggazbc`fj`oer/ ZAR^@ ~zhlcjctr zamazz`fr co ylcbl tla `iaot zabac}ar `ecbej`be mhz raodcoi bqrthgazr th ` ~`ztcbqf`z raz}cba ~zh}cdaz/Zai`zdfarr hm fai`f `od zaiqf`thzs bhortz`cotr& ct cr dcmmcbqft th~hfcba zamazz`fr& ~`ztcbqf`zfs cm tlaza cr oh dczabt ghoat`zs bhg'~aor`tcho th tla `iaot/ Ct cr cg~hrrcjfa th ~zhtabt jqsazr ylhzamqra th rlh~ tla g`zeat `od ylh `za qo`y`za hm tlacz zciltr/Rlh~~coi mhz ` ghzti`ia co}hf}ar ghza tl`o bhg~`zcoitazgr/ @o `iaot–r a|~azcaoba b`o ja }`fq`jfa co odcoi tlafaodaz ylh ~zh}cdar tla jart raz}cba/ Lhy b`o zaiqf`thzr taffylatlaz `o `iaot cr g`ecoi ` zamazz`f j`rad ho tla jart cotazarthm tla jqsaz hz ho jqrcoarr zaf`tchorlc~r8
Bhorqgaz ^zc}`bs
O@Z ~hcotr hqt tl`t ` o`obc`f zg jzheazcoi za`f art`tayhqfd l`}a tla `jcfcts th bhortzqbt ` d`t`j`ra hm lhgajqsazbl`z`btazcrtcbr tl`t tlas bhqfd qra th g`zeat htlaz raz}cbar/Tlcr d`t`j`ra yhqfd bhorcrt f`ziafs hm bhodaotc`f comhzg`tchotla jqsaz rl`zad yctl tla `iaot ylcfa rlh~~coi mhz ` lhga& ohtza`fc{coi ct yhqfd ja rl`zad yctl htlaz j`oe `mmcfc`tar/Tla @J@ `rraztr tl`t tlaza `za fai`f~zhlcjctchor `i`cort rqbl ~z`btcbar/ Hoahm tla ~qz~hrar hm IFJ@ cr th rtzaoitlao~zc}`bs ~zhtabtchor co tla j`oecoi f`yr/Tlcr cr tla f`y tl`t bhg~affad o`obc`fcortctqtchor th raod bqrthgazr ohtcbara|~f`cocoi ~zc}`bs ~hfcbcar/Tla @J@ g`cot`cor tl`t j`oe aotzscoth za`f art`ta jzheaz`ia yhqfd ~zh}cdabhorqgazr ghza blhcbar `od fa`d th ghzaza`rho`jfa ~zcbcoi ,tl`t cr& fhyaz bhg'gcrrchor# `od jattaz raz}cba/ Ghzah}az& ctg`cot`cor tl`t tla fa}af hm bhg~atctcho cotla o`obc`f raz}cbar afd yhqfd ja z`crad/O@Z bhqotazr tl`t tla jzheaz`ia g`zeatcr `fza`ds bhg~atctc}a `od tl`t j`oeraotazcoi tla jqrcoarr `btq`ffs bhqfd zadqbatla fa}af hm bhg~atctcho/ Abhohgcrtrbhorcdaz tla jzheaz`ia g`zeat th ja ` ghoh~hfcrtcb bhg~atctc}ag`zeat& co ylcbl rq~~fcazr `ttag~t th g`cot`co g`zeat rl`zatlzhqil oho~zcba bhg~atctcho/ Corta`d hm hmmazcoi fhyaz ~zcbar&tlas ~hztz`s tlacz ~zhdqbt `r jacoi lcilaz pq`fcts tl`o htlazr/Co rqbl ` g`zeat& raffcoi lhgar mhz ` fhyaz bhggcrrcho z`taycff oht oabarr`zcfs `ttz`bt ghza bfcaotr/ Lhya}az& daghortz`t'coi tl`t shq b`o raff lhgar m`rtaz `od `t lcilaz ~zcbar bazt`cofsycff/
Zarqftr hm Bhg~atctcho
Ylao oay bhg~atcthzr aotaz tla g`zeat& tlas r~za`d tlaa|crtcoi jqrcoarr ghza tlcofs z`tlaz tl`o rtcgqf`ta iza`taz da'g`od tlzhqil fhyaz ~zcbar/ Tla zarqft cr ` fhyaz h}az`ff fa}afhm ammcbcaobs `r `ff rq~~fcazr rb`fa dhyo tlacz h~az`tchor/ Tlafceafs zarqft cr lcilaz ~zcbar `od fhyaz pq`fcts raz}cba/J`oer bhqfd aotaz tla codqrtzs js actlaz jqscoi q~ a|crt'coi zgr hz rt`ztcoi oay hoar/ Jqscoi q~ rg`ff zgr yhqfdrcg~fs zadqba tla oqgjaz hm bhg~atcthzr `od bhqfd gh}a tlaTlcr j`ttfa jatyaao O@Z `od tla @J@ baotazr `zhqod }apqartchor;0/ Yhqfd j`oe'~zh}cdad za`f art`ta raz}cbar bza`ta bhocbtrhm cotazart tl`t yhqfd }cbtcgc{a lhga raffazr `od jqsazr8:/ Yhqfd j`oe co}hf}agaot co za`f art`ta jzheaz`ia bhg~zh'gcra bqrthgazr– ~zc}`bs82/ Cm j`oer aotaz tla za`f art`ta jzheaz`ia g`zeat& yhqfdtlaza ja ` lcilaz hz fhyaz fa}af hm bhg~atctcho `ghoiraz}cba ~zh}cdazr84/ @za tla g`eaq~ `od o`tqza hm bhggazbc`f j`oer yaffrqctad th tla za`f art`ta jzheaz`ia jqrcoarr81/ Yl`t yhqfd ja tla ammabt ho a|crtcoi za`f art`ta jzheaz`iazgr8
Bhocbt hm Cotazart
O@Z bhotaodr tl`t cm jzheazr yhze mhz j`oer& tlas gcilt~azrq`da jqsazr th hjt`co fh`or mzhg j`oer a}ao tlhqil tlhra
 
 O@Z maafr tl`t j`oe aotzscoth za`f art`ta ycff tlza`tao tlarg`ff'bhg~`os& fhb`f hzcaot`tchohm tla za`f art`ta jqrcoarr/ Tla @J@ `rraztr tl`t ghrt j`oer`za oht f`zia `od a|crt cobhggqoctcar hmtao oht raz}ad jsza`f art`ta zgr/
g`zeat mzhg ghoh~hfcrtcb bhg~atctcho th hfcih~hfs/ @o hfc'ih~hfs cr ` g`zeat dhgco`tad js ` may f`zia zgr tl`t bl`ziayl`t tla g`zeat ycff ja`z/Cm j`oer bza`ta oay zgr& tla zarqft bhqfd ja gqbl tlar`ga& `r rg`ff coda~aodaotr bhqfd ja dzc}ao hqt hm tla g`zeattzscoi th bhg~ata yctl f`zia bhg~`ocar tl`t b`o hmmaz bho}a'ocaot o`obcoi `fhoi yctl tla lhga ~qzbl`ra/Rqbl rbao`zchr g`s ja h}azartcg`tcoi tla ~htaotc`f cg~`bthm j`oe aotzs/ Bazt`cofs& rcgcf`z ~zhkabtchor yaza g`da ylaoo`tcho`f mz`oblcrar jai`o th gh}a coth tla g`zeat co tla03<>r/ Tla g`zeat ~aoatz`tcho js mz`oblcrar za`blad `jhqt 2>~azbaot pqcbefs jqt l`r m`cfad th `d}`oba gqbl mqztlaz/ ^az'l`~r tla r`ga yhqfd ja tzqa hm j`oe'hyoad jzheaz`ia zgr/
Jzheaz`ia `r ` Mco`obc`f Raz}cba
H
oa hm tla cotaotchor hm IFJ@ cr th `ffhy j`oer th hmmaz` mqff `zz`s hm o`obc`f raz}cbar/ Ylatlaz za`f art`tajzheaz`ia `od ~zh~azts g`o`iagaot pq`fcms cr tlag`khz bhotaotcho jatyaao O@Z `od tla @J@/O@Z g`cot`cor tl`t raffcoi za`f ~zh~azts cr oht ` o`obc`fraz}cba jqt ` bhggazbc`f jqrcoarr hqtrcda tla ~qz}cay hm tlaf`y–r cotaot/Mqztlazghza& O@Z maafr j`oer `za ~hhzfs rqctad th za`fart`ta jzheaz`ia `od ~zh~azts g`o`iagaot/ J`oer& `bbhzdcoith O@Z& f`be eohyfadia `od a|~azc'aoba hm za`f art`ta g`zeatr& `za oht`bbqrthgad th raz}coi bqrthgazr cotla zhfa hm ~zcobc~`fr co ` tz`or`btcho`od `za qom`gcfc`z yctl f`yr ih}azocoijzheaz`ia/Tla @J@ bhqotazr tl`t `ffhycoij`oer th aoi`ia co za`f art`ta jzheaz`iacr oht tla rtzatbl ~hztz`sad js O@Z/L`fm hm tla rt`tar `fza`ds `ffhy rt`tabl`ztazad j`oer th hmmaz za`f art`taraz}cbar/ Ta|`r dhar oht/ Jamhza IFJ@&O@Z ~zhghtad tla bhoba~t hm ‖hoa'rth~ rlh~~coi‗ tlzhqil za`f art`tazgr ~az`tcoi ghzti`ia j`oe rqjrcdc`zcar hz bhg~qtazc{adfh`o hzcico`tcho rsrtagr/ Ohy tl`t j`oer y`ot th ~zh}cdarcgcf`z bho}aocaoba& O@Z b`ffr ct ` j`d cda`/Tla dhqjfa rt`od`zd g`s l`}a th dh yctl tla `d}`ot`iarj`oer aokhs `r ` zarqft hm tlacz qocpqa fai`f rt`tqr `od bho'oabtcho th tla o`tcho`f j`oecoi rsrtag/ Qofcea htlaz zgr&madaz`ffs bl`ztazad j`oer b`o hmmaz co}arthzr madaz`f da~hrctcorqz`oba `od `bbarr th fhy'bhrt o`obc`f `rrcrt`oba mzhg tlaMadaz`f Zaraz}a J`oe `od tla Madaz`f Lhga Fh`o J`oer/ Ylcfatlaza `za may j`zzcazr th rattcoi q~ ` za`f art`ta jzheaz`iajqrcoarr& tlaza `za rqjrt`otc`f lqzdfar th jabhgcoi ` madaz`ffsbl`ztazad j`oe/ Tla rcg~fa cg`ia hm eohbecoi dhyo y`ffr th`ffhy bhg~atctcho cr bhg~fcb`tad js tla rciocb`ot zaiqf`thzsdcmmazaobar jatyaao tla ~htaotc`f bhg~atcthzr/
Ammabt ho A|crtcoi Mczgr 
Tla cg`ia hm f`zia& ~hyazmqf bhz~hz`tchor co}`dcoi tla~zh}cobar hm rg`ff jqrcoarr cr tla j`bedzh~ mhz `ohtlaz ~hcothm bhotaotcho jatyaao j`oecoi `od jzheaz`ia cotazartr/ O@Zmaafr tl`t j`oe aotzs coth za`f art`ta ycff tlza`tao tla rg`ff'bhg~`os& fhb`f hzcaot`tcho hm tla za`f art`ta jqrcoarr/ Bqr'thgaz raz}cba& ct cr r`cd& gcilt ja r`bzcbad th lcilfs rt`od`zd'c{ad raz}cbar `iizarrc}afs g`zeatad th tla jzh`dart raigaot hmbqrthgazr/Tla @J@ `rraztr tl`t ghrt j`oer `za oht f`zia `od a|crt cobhggqoctcar hmtao oht raz}ad js za`f art`ta zgr/ Jarcdar&@J@ hmmcbc`fr r`s& f`zia o`obc`f zgr fcea ^zqdaotc`f hyo za`fart`ta jzheaz`ia h~az`tchor yctlhqt `mmabtcoi tla rtzqbtqza hmtla g`zeat/ Tla @J@ bhotaodr tl`t js `ffhycoi bhggazbc`fj`oer th jabhga ~f`sazr& a}azshoa yhqfd jaoat/ Bhorqgazryhqfd l`}a ghza blhcbar hm raz}cba ~zh}cdazr& `iaotr yhqfdl`}a ` ycdaz z`oia hm ~f`bar th yhze `od hyoazr hm a|crtcoizgr yhqfd m`ba ` jattaz g`zeat ylao tlas ycrl th raff tlaczjqrcoarrar/Hm bhqzra& tlcr `rrqgar tl`t ` bhorhfcd`tcho hm j`oe'hyoadjzheaz`ia zgr dhar oht t`ea ~f`ba/ Cm ct dhar& bhorqgazryhqfd m`ba ghza fcgctad h~tchor& mayaz `iaotr `od jzheaz'g`o`iazr yhqfd ja oaadad `od tlaza gcilt ja oh g`zeat mhza|crtcoi zgr/
B`qra mhz Bhobazo8
Cm j`oe'hyoad za`fts jzheaz`ia dhar jabhga ` rciocb`ot~`zt hm tla jqrcoarr& lhy gcilt tlcr `mmabt bhorqgazr8 Ghrtbhorqgazr ~zhj`jfs yhqfd ohtcba fcttfa bl`oia/ Za`f art`ta h~'az`tchor fceafs yhqfd ja l`odfad tlzhqil rqjrcdc`zcar yhzecoihqt hm hmmcbar gqbl `r jzheazr dh ohy/Tlaza yhqfd& lhya}az& ja ` bfhraz zaf`tchorlc~ yctl tlaghzti`ia j`oecoi `od ~hrrcjfs yctl tla corqz`oba jzheaz'`ia h~az`tchor hm tla ghtlaz j`oe/Zamazz`fr mzhg za`f art`ta `iaotr thtla j`oe–r raz}cbar yhqfd h~az`taqodaz tla h}azrcilt hm ZAR^@/ Tla`iaotr tlagraf}ar bhqfd oht ja ic}aocobaotc}ar th g`ea zamazz`fr& jqt tlazagcilt ja `mmcocts'fcea dcrbhqotr mhz `~'~fcb`otr ylh qra tla j`oe–r ghzti`iahz corqz`oba raz}cbar/Tla cg~`bt ho `iaotr yhqfd da~aodho ylatlaz j`oe'hyoad zgr yazarqbbarrmqf co dhgco`tcoi tla codqrtzs/Cm tla jzheaz`ia'o`obcoi bhooabtcho~zh}ar h}azylafgcoi `od j`oer dzc}ahqt ghrt coda~aodaot zgr& tlaza g`s ja ` dcmmazaoba co lhyjzheaz`ia zgr da`f yctl tlacz r`far `iaotr/
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`oer yhqfd y`ot th zqo jzheaz`iar ghza fcea j`oer&ga`ocoi `iaotr yhqfd ja tza`tad ghza `r ag~fhsaar `odfarr fcea coda~aodaot bhotz`bthzr/ A|~abt ` gh}a `y`smzhg `ff'bhggcrrcho bhg~aor`tcho `od j`be thy`zd tla ghzatz`dctcho`f bhggcrrcho'r`f`zs r~fct/ Tla j`oe'hyoad zgryhqfd oht l`}a tlcr ammabt qofarr tlas ~hrrarrad ` bhg~atctc}a`d}`ot`ia co tla g`zeat/ Htlazycra& tlas yhqfd l`}a th hmmazbhg~`z`jfa tazgr th lcza tla jart `iaotr/@t tlcr ~hcot& ct fhher fcea Bhoizarr ycff m`}hz O@Z–r ammhztth mhzart`ff tla aotzs hm j`oer coth tla jqrcoarr/ Lhya}az&j`oer l`}a mhqod y`sr th rcdarta~ zaiqf`tchor ylao tlazarqft g`ear abhohgcb raora/ Rhga hm tla raz}cbar `qtlhzc{adjs IJF@ yaza `fza`ds jacoi hmmazad tlzhqil a|ba~tchor cotla f`y/ Rh ct cr yhztlylcfa th tlcoe `jhqt lhy tlcr bl`oiagcilt `mmabt tla g`zeat mhz jzheaz`ia raz}cbar& `iaotr `odzgr/Mhz ghza comhzg`tcho& raa Baotaz tablocb`f za~hzt 0=22&
J`oer co Za`f Art`ta&
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Dz/ L`zzcr ,kl`zzcrNbirj/t`gq/adq# cr ` zara`zbl abhohgcrt yctl tla Za`fArt`ta Baotaz `t Ta|`r @-G Qoc}azrcts/

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