Health Insurance Solutions

Much has been said about the latest in the healthcare sector. Politicians' continue to bicker and have no solid plan to replace the current plan. Certain Analysts believe if this Trump Administration plan passes the Senate their proposal will leave over 23 million people without coverage by the year 2026. The Affordable Care Act law is and was simply put in place to help the American people who were once unable to get any type of coverage, finally get the care he or she may need. Secondly, it has also helped more than enough individuals with pre-existing conditions get coverage as well. And thirdly there is the concern of affordability; this is for people who do not have enough money to pay for insurance on their own, the current law provides financial assistance for those eligible to receive money from the government.

The problem with today's guidelines are the plans are based on: age, geographic location, the ability to pay, the rising cost of medical technology and taxes. Notice there is nothing mentioned about your overall health conditions. Until the underwriting process is brought back into the equation, then insurers' will never be able to accurately measure their risk and set premium prices at affordable rates. The message to insurers' is the fact that no one should be denied health insurance due to their finances or health related conditions to help protect against their financial losses when and if they occurred.

During this era a majority of insurance companies especially those that specialize in the health sector jumped on the band wagon with lower premiums knowing financial assistance would be there to help pay for coverage. Plans were and are designed to basically take the American peoples' money first before paying any claims. Once the claims began to come from more than enough people, then insurers' realized their premiums were set too low and began experiencing financial losses. There is no coincidence today why as consumers we hear about large health carriers pulling out of the marketplace and are no longer willing to participate this coming 2018 season under the ACA format.

The solution for consumers, we have to educate ourselves and grasp a good understanding and not listen to all the rhetoric in the media. We need a suite of insurance products to benefit us in the event there are some types of loss. Whether its a loss of life, the inability to work for certain period of time, or failing health our money needs to be protected at reasonable rates. Do this now while you are still healthy with the right kind of life and health insurance plans; underwriting is the key.

There are more than enough life and health insurance companies who offer benefits to protect your money. They never moved into this whole affordable care dilemma. Insurance today is still being sold on the premise of an individual's risk factors. These type of plans whether they are: accident, cancer, critical illness, dread disease, hospitalization, preventive care and wellness, also known as MEC (minimum essential coverage) or life insurance policies are and will always be available.

The Affordable Care Act is a good law that needs to be revised and not replaced. In today's environment of government uncertainty, why listen to such chaos? "People perish because of a lack of knowledge." Hosea 4: 6a. Now that you have been given this knowledge, perish not; be encouraged and do the right thing for your family and your finances.

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Purchase Investment Properties On A Budget Using Crowdfunding

What is Crowdfunding?

If you are tired of low returns from Certificates of Deposit, Thrift Savings Plan and other Equity Investments, check out Crowdfunding for double digit returns. Crowdfunding is gaining in popularity as an investment strategy for many investors. It is a unique process to raise capital through family and friends, potential customers and individual investors looking for different investment venues. To promote Crowdfunding, advertising is a focused approach utilizing social media and real estate investor forums and associated networks.

What Platform is Right for Me?

My preference is Crowdfunding with real estate investments which I will discuss here. There are many different strategies and models of crowdfunding platforms so you want to be sure that the platform you select is a good fit for you. Ask the question: Am I comfortable with the amount I'll be investing? Do we share the same values? Are you in agreement with their investment strategies such as flipping houses or buy and hold for long-term passive income? The amount required to invest will vary with each venue so shop around until you find one suitable for your investment portfolio.

Do Your Homework

Do your homework before investing. Historical performance is a good indicator of future performance. Get to know the management team and see what they are doing on social media. How transparent are they and how willing are they to talk to you and answer your questions, including the hard ones. Those that a more willing to share beliefs, management and goals tend to do better for themselves and their customers over the long term. Also reach out to other investors to get their input and endorsement.

Do the Math

I have seen many attractive returns advertised to only find out they were tickler rates to get you to call. Do your homework to see if the numbers are realistic. Ask how much detail is provided on the business? How can I access my investment and returns after I have committed? How and when are investment returns distributed? What type of reporting (personal and legal) is provided to the investor? Make sure you are comfortable with the management team and security of your investment before taking that first step.

Crowdfunding Example

I personally invest with Holdfolio. Their buy-and-hold platform consists of 10 rental homes within a single portfolio. These houses are purchased, reconstructed for rental ready use and then leased. 60% ownership is provided to investors (the crowd) with a $ 10,000 minimum investment. 40% ownership is held by the Holdfolio management team. Advertised returns when I invested over a year ago were 10% to 14% and am currently realizing 11% returns annually. With each new portfolio, 10 additional houses are offered to investors at an average crowdfundng pool amount of $ 320,000 which is usually filled within 4 to 5 days. Holdfolio just finished Portfolio 10 and is beginning Portfolio 11 soon. This is just one example of many crowdfunding platforms.

Summary

Real estate crowdfunding is quickly becoming more popular today as investors move away from equities to search for greater returns in other markets. Be sure to do your homework and narrow your search to a top three. If this is your first time, once you make your selection start with a smaller amount until your comfort factor allows you to do more.

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3D Home Design for Everybody

3D Home Design is a different way for architects to design homes, it is not far from the conventional 2D way of designing, but is more competitive. 3D Home Design, just like the traditional way also includes the floor plans, elevations and the perspective of the project. The only difference is that 3D Home Design features 3D Floor Plans and 3D Elevations instead of the conventional 2D.

3D Home Design in an Architect's point of view

For architects, presenting for a client using 3D Home Design can be a great advantage since the presentation will be able to capture the client's attention from the beginning, with the color rich presentations of the floor plan and elevations.

3D Home Design in a Client's point of view

For clients having no background in architecture, watching an architect's presentation, especially with the architect showing boring 2D drawings and talking about it in technical terms that you don't even understand a bit, can be a boring task. But when an architect presents you with a 3D presentation, you will be able to understand right away what the architect is conveying. There is no need to decipher the technical terms and the plan drawings, you just need to look at the presentation and you will have an idea of ​​what the project will look like.

3D Home Design and its components.

Presenting for a client consistency of 2 phases, the primary phase and the major phase. The primary stage is the presentation of the floor plans and elevations, which was discussed in an earlier post. The major phase includes the presentation of the interior and exterior perspectives.

3D Interior

3D Interior presentations include views of the inside of the house in certain parts. It is for the client to see and feel how the house will look like, and if the spaces will work according to their preferences, it can also serve as an attachment to the floor plans if the client need some verifications on how a certain space in the house will look like.

3D Exterior

3D Exterior presentations include views of the outside of the house as a whole, including the background to apply the environment where the actual house will be built. It can also serve as a medium for the clients to see how the house will look like and it gives the chance to the client to tell the architect whether they want to change some colors or part before the construction begins.

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Why Does A Family Need Love?

Some families are big. Some families are small. Some are extreme in their size, both big and small. What ties a family together depends on the family and what defines the family.

Is blood thicker than water?

Many families are tied together by "blood" meaning genetics. In some families this means if you are not related by blood, you are not family. Other families use this definition loosely, accepting members based on family acceptance. Most families fall in the middle accepting new members by marriage and adoption.

What creates a family?

Some families are created not out of genetics but a shared experience or shared interest. Genetics and blood relations has little to do with that type of family. There may be related people in the family or there may not. What matters in this type of family is that there is a connection of some sort. Often this connection is or becomes one of love.

How important is love?

The families that do not accept others typically avoid love. They may not love themselves but they certainly do not love others. The families that are based on acceptance are full of love. The way someone becomes part of the family is love. Even if the word itself is not uttered it is mutual acceptance based on love. This makes a beautiful, loving family.

Why is love so important?

Love is a multifaceted emotion. There are many benefits for members of a family based on love. Rather than guided by greed or selfishness the family based on love does things based on that emotion, even if the word is seldom said.

What makes family love good?

When family members love each other, they try to help each other, they respect each other. There may be times when family members fight, there may be members who do not get along. But when there is love in the family, there is respect and trust as well. This enables them to not get along yet still love each other within the family network. It also means that in a time of need the family will come together for greater good despite any underlying currents between members.

What if there is no love?

If you are in a family where love, you may feel alone even when with family. Respect is often replaced by control. Trust may be replaced by fear. In families like this, some members feel the need to escape, some repeat the cycle. Love is missing and love is something that can make the family better.

How can I create love?

It is hard to create love in others. The only person who can change is you. Be an example of love. Let people know this is what you accept and expect. When your love starts to thin, give yourself a break until love returns. Your break may be short or long, but distance yourself until your love returns. The more you show love and expect love the more you will find.

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Why Is Python a Preferred Language for Startups?

Your business may need a dynamic web-based solution, however; the extensive range of options available in the case of programming languages ​​may leave you confused. It is important to understand that selecting a language or a platform in a startup is definitely one of the most crucial decisions. Though there are multiple developmental languages, Python is becoming the most preferred one, especially among startups on account of multiple reasons. Apart from being renowned for its faster developmental cycles, Python can fulfill changing and increasing requirements pretty fast.

Here's a list of reasons why Python is a preferred language for startups:

1. User-Friendly

Python is a highly popular language mainly because of easy readability. Its uncluttered syntax helps startups use this programming language easily. Additionally, Python has an in-built dictionary data structure, which makes it user-friendly. Python also includes high-level data typing, which minimizes the length of the support code.

2. Speed ​​and Increased Productivity

When it comes to small startups, factors like marketing speedily and new-feature implementation are of great significance. Python has an object-oriented design, which provides process control and strong integration and these lead to an increase in speed and productivity. Python is also considered as a preferable option for building complex network applications.

3. Helps Tackle Complexity

Most startups and social networks are based on the web, and Python is ideal for tackling complexity. By using Python, you can choose to overcome multiple issues such as integration of different systems, which would otherwise require more time and effort. Python also provides scalability, which is essential for startups to expand their business in the future.

4. A Small Team Suffices

Python allows programmers to document the proof about a concept easily. While using Python, a huge team of developers and designers is not required to create a premium quality product. This definitely helps startups and medium-sized organizations to save resources and try and work on various ideas.

5. Opportunity to Earn Faster

As Python helps one to work faster, with a little initial spending, startups can make larger profits. Once you build and support your project on Python, the returns come faster. Python, thus, assists startups to earn money quickly, which is definitely beneficial for them.

6. Prompt Support

Most startups prefer using Python as they get prompt support when there are serious technical issues. It also allows your product to be of high-quality and less prone to crashes.

7. Easier-to-Create Prototypes

Python is often an easy solution for large projects. It is often easier to rewrite something that is written in Python. Also, Python is useful for writing prototypes as it already has a working prototype. This feature definitely helps startups to save money and time and also see whether a business idea works or not.

In this fiercely competitive business world, it is crucial for startups to grow fast. Python helps newly formed companies get a working product in minimal time and at reduced rates.

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How to find the Best Individual Health Insurance Plans

If you are after the best individual health insurance plan, you are likely looking for the best long term requirements of a coverage policy. First of all, it is not that easy to find the best individual health insurance plan which will ultimately meet all your needs.

The first step that you must take is to look for other plans that will enable you to realize its benefits in such an easy manner. With numerous diseases continually plaguing the environment, it is possible that you might lose your savings overnight on account of the numerous medical procedures and tests that will be necessary for your treatment. This is why it is very vital that you find the best individual health insurance plan that will invariably protect your savings in the near future.

Before locating the best health insurance provider or company, consider researching about the reliability quotient of your prospective insurance provider. For you to avail the best type of plan, check and review the company's market record and the number of years it has been in active operation. The length of its service is a manifestation as well as evidence of the company's credibility and dependability. You may also consult friends and family members who are also associated with other reliable companies.

Once you're done with your research and have surprisingly obtained a reliable and dependable mark from the company performance, send a request letter to the company and inquire about their best individual health insurance deal. Feed them with the necessary information about your personal requirements and let them find the perfect plan suitable for you.

Just before you close a deal, it is very important that you take the time to compare different rates. The insurance quotes that you will obtain from a specific company may not usually require you to sign up with them right away. Take your time in reviewing their terms and conditions.

Be sure that you follow the coverage policy as this will indicate that the insurance rates that have been offered to you are the best individual health insurance rates there are. Make sure to look over the health coverage expenses and needs that are provided. There are occasional scenarios where the cheapest and affordable plans are not always the best. Moreover, there is a need for you to look over the terms and conditions of the health coverage that are normally offered with the health plan. You might also obtain a bit of extra money to secure the best individual health insurance plan which has the ability to offer you comprehensive benefits, since these are financially beneficial after all.

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Green Living – Eco Home Design and Environmental Friendly Habits

Why green living?

I have 8 grandchildren and I would like them to live in the future in a world as good or better than the world we know today. But that will only be possible if we take more care of our use of natural resources and the environment. I think I need to take responsibility for what I can, linked to my daily life, and I would recommend you to do the same if you care for your grandchildren.

Is it difficult to live more green?

Many have the feeling that to live more green is very bothersome, expensive and difficult. But take these advices and see if they fit your temper and possibilities. As with a lot of things in life it helps to think and plan a little ahead of what you want to do. For me the following approach toward a more green daily life has been rewarding.

Generate ideas of more green living

Use five minutes to list a lot of things you expect would reduce your and your family's impact on the environment. Just dot the ideas down as they come into your mind. If feasible do it as a family event around the table and engage everyone in this green brainstorm. Think of three types of more green living as follows and put your green ideas into the three categories:

1. Green ideas that will save you money
2. Green ideas that will be neutral on your economy
3. Green ideas that will cost you money

1. Green ideas that will save you money

The ideas for greener living that will save you money should be implemented immediately. It is stupid to waste money and at the same time pollute more or use more resources than needed. Many companies here in Denmark have made use of this to reduce their environmental impact and to improve their competitiveness and profit from that green initiative at the same time. Many private households would benefit from it too.

Examples of green ideas that will save you money more or less from the moment you implement them are:

– Avoid running toilets and dripping taps (remember the garden, too).
– Have your lamps and electricity running more than needed, eg in rooms without any persons, and the standby lamps of electrical equipment.
– Drive your care more softly and you reduce the consumption of gasoline and keep your tires longer.

2. Green ideas that will be neutral on your economy

If you think of your grandchildren as I recommend the green ideas that will be neutral to your economy should also be taken into consideration. It is ideas for greener living that just need a little attention from you in your daily life.

Such more green habits could be

– When you are shopping avoid the extra bags and wrapping from the shop if you don't need it.
– Make your own compost in your garden and keep as much of the nutrition's in your garden instead of 'exporting' garden waste and have to buy fertilizers etc.
– Reduce your consumption of red meat and prepare food with more fish, chicken and turkey and supplement more with veggies. – That will also be healthier.

3. Green ideas that will cost you money

Ideas for greener living that cost you money might also be worthwhile considering, so please read on. Here I will emphasize the environmental effect when you buy new kinds of equipment, like a new freezer, a new car, a new computer, a new washing machine etc. The whole trend of eco home design will often belong to this category.

Take your time to investigate the different qualities related to the environmental impact of the different brands and models of machines and equipment. Search for independent rating of the environmental impacts. In Europe we have a marking with A to E for the energy consumption and the most environmental friendly washing machines etc. will have an A label. Most consumers at least in Denmark will be very much aware of that label and go for it if it isn't too expensive.

The beauty of such an expense is that in most cases it will pay off in the long run to pay the extra for an environmental friendly model because you will save electricity or other tings in the long run. In many cases the premium environmental friendly machines will also be of the best quality and that will help you too. So you see it isn't that difficult to get started with some new greener habits and you can still look your grandchildren in the eyes because you are caring for their future.

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Love is Not a Feeling

Love is Not a Feeling. What? You exclaim, of course, love is a feeling. I feel it in my chest, stomach and my body tingles sometimes. Yes, those are the physiological manifestations when one has the sensation of 'falling in love.'

Falling in love and love are two different phenomena. Falling in love can be either a flash of emotions or a first step towards genuine love. "Love is misunderstood to be an emotion; it is a state of awareness, a way of being in the world, a way of seeing oneself and others." -David R. Hawkins

Falling in love is a strong instinctive attraction to a person. If it is mutual and both people work at their relationship; One day that euphoric experience called, 'falling in love,' can grow into genuine love.

The falling in love phenomena is the call of one's longing to belong, to cathect, but the object is instinctually chosen according to our ideals, dreams and etc., although one may not realize it. We usually fall in love with the person's appearance, with the way she / he walks, the way he / she talks. Sometimes we impute to our object of love some mystic illusion, ideal qualities and the more we get to know the person the less we fall for him or her. That's when the feeling of love disappears even faster than it appeared.

The more two persons get to know each other, the more comfortable they get; the less sharp, bright and exciting the falling in love experience is. Some couples continue their relationships and get married; some fall apart. It's reasonable to say that more clothes in the closet and one more toothbrush in the bathroom is the end of the falling in love phase, but it also can be the beginning of genuine love.

The euphoric feelings we call 'love' is the emotion that accompanies the experience of cathecting. Cathecting is the process by which an object becomes important to a person. Once cathected, the object, often referred to as a 'love object' is invested with our energy as if it were a part of oneself, and this relationship between oneself and the invested object is called a cathexis. One's cathexis may be fleeting and momentary. Genuine love implies commitment and exercise of wisdom. When one is concerned for someone's spiritual and emotional growth, one knows that a lack of commitment is likely to be harmful and that commitment to that person is probably necessary for one to manifest one's concern effectively. The concern and commitment to another's spiritual and emotional growth is the purest form of love. It is for this reason that commitment is the cornerstone of any healthy relationship-friends, significant others, husband / wife.

Genuine love transcends the matter of cathexis. When love exists it does so with or without cathexis and with or without a loving feeling-those bursts of butterflies in the stomach, body tingling, etc.

It is easier-indeed, it is exhilarating-to love with cathexis and the euphoric feeling of love. However, it is possible to love without cathexis and without loving feelings, and it is in the fulfillment of this possibility that genuine and transcendent love is distinguished from simple cathexis. Genuine love is volitional rather than euphorically emotional. The person who truly loves does so because of 'a decision to love.' This person has made a commitment to 'be loving,' whether or not the loving feelings are present.

It can be difficult and painful to search for evidence of love in one's actions, but because true love is an act of will that transcends ephemeral feelings of love or cathexis, it can be said, "Love is as love does." Love and non-love, as good and evil, are objective and not purely subjective phenomena.

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Python Language: Why One Should Learn It and How It Can Help

Many programming languages ​​are used today, some are used, and some have gone obsolete. In the last few years, the programming scenario has changed drastically as developers and programmers are searching for more universal and approachable languages. This is the reason why Python language has become so famous recently. The Python community is growing bigger day by day as many programs are now finding it to be one of the most user-friendly programming languages.

Python language has become so famous that every field and sector is now a user of it. Even though the other programming languages ​​are not losing their fans, Python is increasing its fan base. Therefore, more and more people are now aspiring to learn Python. Some of the reasons why having a certification in Python can be helpful are discussed below:

Machine learning

Today, almost everything runs through algorithms, whether it is a search engine, social media, chat bots, virtual personal assistants, etc. These sophisticated algorithms are the result of machine learning and it has changed the entire technological scenario. With machine learning, the major programming language that is been used is Python, and one can find many libraries dedicated to machine learning only.

Big data

Python is used in data science the most and the professionals in this field are required to have expertise in this programming language. Though there are many other languages ​​like Java, R, etc. which is used for data science, Python remains the favorite. This is because of the diversity it allows in automation technology, along with with the various framework and library available like NumPy, PyBrain, etc.

Web development

There are many websites these days like Reddit which are developed using Python language. The main reason why the Python programming language is used in web development is its speed and effectiveness. Using PHP developing a website can take hours, while using Python will take only a few minutes. Also, there are frameworks and libraries like Django and Flask which make the work much easier.

Community

One of the areas that programmers search for these days is the communities. In these communities, the developers and programmers can connect with others from any part of the world and can share their experiences and technologies. This helps them in learning new things about Python and how to solve various issues that may arise while coding.

Libraries

Libraries are really helpful when it comes to application and website development. One can find any kind of code. Python has a huge number of frameworks and libraries like Flask, Django, NumPy, Scipy, Pandas, Tensorflow, Keras, etc. One needs to concentrate on the logic and objective and the codes are easily available in the libraries.

Simple

Lastly, the biggest reason why programmers use Python is the fact that it is a simple programming language. It is a beginner user-friendly language as it does not require a lot of complex codes and syntaxes which are not understandable. Python has an easy and readable syntax and coding which makes its set-up and usage much easier.

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Real Estate Investment Outlook

Although it appears to have been mainly technical factors that triggered the correction in the stock market, inflation concerns have been the major cause for plummeting stock market prices. We have outlined such a scenario of inflation and its impact on real estate investments.

Indeed, the difference between current and trend economic growth is moving close to zero, rising labor demand is putting upward pressure on wages and salaries, but it is still far from a strong acceleration in inflation rates. Meanwhile, the recommendation by the US Department of Commerce in its investigation to restrict aluminum and steel imports on national security grounds is a reminder that the risk of escalating trade tension has a significant impact on real estate investments.

We are not suggesting that the probabilities of risks have risen substantially in light of these events. However, we argue that higher volatility combined with uncertainties about the future uncertain outlook for US trade policy is not an environment where we should risk everything on one endeavor, but rather seek returns by pursuing opportunities in the real estate market.

It would be more than natural that unjustified price appreciations will be corrected over time. Some teams believe that rising inflation may have played a prominent role in the recent stock market sell-off. However, higher inflation points to an overheating economy and rising wages could lower profit margins. Neither case obviously applies at the current time. However, historical evidence shows that periods when inflation begins to rise often create volatility in real estate markets and, on average, returns are meager. Finally yet importantly, higher interest rates could hit real estate prices if they reflect rising risk. Higher interest rates should be less relevant if they result from higher growth.

For now, we expect the implications of rising interest rates on the real estate outlook to be limited. A more persistent significant decline in real estate prices could, however, be associated with somewhat slower growth, either because the economy anticipates a slowdown, or because economic decline itself dampens growth.

The impact of rising interest rates on growth also depends on the factors that pushed up interest rates. The rise in interest rates could be the consequence of stronger growth momentum, in which case the economic fallout is understandably limited. However, if higher interest rates reflect rising risks, for instance, then growth may well suffer more significantly. Financial conditions remain very loose and interest rates relatively low. This should continue to support economic growth.

Therefore, we are keeping our scenario of sustained economic growth: (1) higher world economic activity, (2) rising fixed capital formation, (3) a very gradual adjustment of monetary policy in the US. We acknowledge the risks from higher protectionism, as recent announcements are a reminder that trade frictions could escalate significantly. At this point, it remains to be seen what action the US will take and how other countries may respond.

Since the beginning of the Great Recession in 2008, most have averted the specter of deflation by deploying conventional and – even more importantly – unconventional measures of monetary policy. Inflation in the US averaged around 1.5%, with a dispersion of -2% in mid 2009 to approximately 3.8% in late 2011. Currently, US consumer price inflation stands at 2.1%.

In the US, the government is embarking on a path of fiscal stimulus, and more trade tariffs and trade friction may push inflation higher. However, several factors are keeping underlying inflationary pressure contained for now, including still-cautious wage bargaining behavior by households, price setting by firms and compositional changes in the labor market. In addition, the recent readings have likely overstated current price trends, (the surprising weakness in inflation in 2017). Outside the US, wage and price trends have not changed much in recent months.

Against this backdrop, we do not foresee any surprises over the course of 2018. The Fed is expected to gradually lift rates with caution depending on the tightness of the US labor market, the evidence of accelerating wage dynamics and the potential impact of higher financial market volatility on economic growth.

In addition, a tax policy that fosters the competitiveness of Corporate America and attracts direct foreign investments, helping to raise the potential growth rate of US, should also be supportive for the greenback. At the same time, there are as many factors pointing to a glorious future for real estate markets

According to the Federal Reserve Bank of New York, the current probability of recession for the US economy stands at around 4%, moving to approximately 10% at the end of 2018. In our view, the gradual tightening of monetary policy, limited inflation expectations and cautious investment demand, will keep real interest rates relatively low. Therefore, we prefer real estate investments in 2018.

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