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Accounts Receivable and Loans | 12 Months Ended
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Dec. 31, 2017
Disclosure Text Block Abstract |
Loans and Accounts Receivable | NOTE 3 Loans and Accounts Receivable The Company’s lending and charge p ayment card products result in the generation of Card Member loans and Card Member receivables, respectively. Card Member and Other Loans Card Member loans are recorded at the time a Card Member enters into a p oint-of-sale transaction with a merchant and represent revolving amounts due on lending card products, as well as amounts due from charge Card Members who utilize the Pay Over Time features on their account and elect to revolve a portion of the outstanding balance by entering into a revolving payment arrangement with the Company. These loans have a range of terms such as credit limits, interest rates, fees and payment structures, which can be revised over time based on new information about Card Members, an d in accordance with applicable regulations and the respective product’s terms and conditions. Card Members holding revolving loans are typically required to make monthly payments based on pre-established amounts and the amounts that Card Members choose to revolve are subject to finance charges. Card Member loans are presented on the Consolidated Balance Sheets net of reserves for losses (refer to Note 4), and include principal and any related accrued interest and fees. The Company’s policy generally is to cease accruing interest on a Card Member loan at the time the account is written off, and establish reserves for interest that the Company believes will not be collected. Card Member loans by segment and Other loans as of December 31, 2017 and 2016 c onsisted of:
(Millions) |  |  | 2017 |  |  | 2016
U.S. Consumer Services(a) |  | $ | 53,668 |  | $ | 48,758
International Consumer and Network Services |  |  | 8,651 |  |  | 6,971
Global Commercial Services |  |  | 11,080 |  |  | 9,536
Card Member loans |  |  | 73,399 |  |  | 65,265
Less: Reserve for losses |  |  | 1,706 |  |  | 1,223
Card Member loans, net |  | $ | 71,693 |  | $ | 64,042
Other loans, net(b) |  | $ | 2,607 |  | $ | 1,419
Includes approximately $25.7 billion and $26.1 billion of gross Card Member loans available to settl e obligations of a consolidated VIE as of December 31, 2017 and 2016, respectively. Other loans primarily represent personal and commercial financing products. Other loans are presented net of reserves for losses of $80 million and $42 million as of December 31, 2017 and 2016, respectively. Card Member and Other Receivables Card Member receivables are also recorded at the time a Card Member enters into a point-of-sale transaction with a merchant and represent amounts due on charge card products. Each charge card transaction is authorized based on its likely economics, a Card Member’s most recent credit information and spend patterns. Additionally, global spend limits are established to limit the maximum exposure for the Company. Charge Card Members generally must pay the full amount billed each month. Card Member receivable balances are presented on the Consolidated Balance Sheets net of reserves for losses (refer to Note 4), and include principal and any related accrued fees. Card Member accounts receivable by segment and Other receivables as of December 31, 2017 and 2016 consisted of:
(Millions) |  | 2017 |  | 2016
U.S. Consumer Services (a) |  | $ | 13,143 |  | $ | 12,302
International Consumer and Network Services |  |  | 7,803 |  |  | 5,966
Global Commercial Services |  |  | 33,101 |  |  | 29,040
Card Member receivables |  |  | 54,047 |  |  | 47,308
Less: Reserve for losses |  |  | 521 |  |  | 467
Card Member receivables, net |  | $ | 53,526 |  | $ | 46,841
Other receivables, net (b) |  | $ | 3,163 |  | $ | 3,232
Includes $8.9 billion of gross Card Member receivables available to settle obligati ons of a consolidated VIE as of both December 31, 2017 and 2016. Other receivables primarily represent amounts related to (i) GNS partner banks for items such as royalty and franchise fees, (ii) certain merchants for b illed discount revenue, (iii) tax-related receivables, and (iv) loyalty coalition partners for points issued, as well as program participation and servicing fees. Other receivables are presented net of reserves for losses of $31 million and $45 million as of December 31, 2017 and 2016, respectively. Card Member Loans and Card Member Receivables Aging Generally, a Card Member account is considered past due if payment is not received within 30 days after the billing statement date. The following table presents the aging of Card Member loans and receivables as of December 31, 2017 and 2016:
2017 (Millions) |  |  | Current |  |  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | 90+ Days Past Due |  |  | Total
Card Member Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
U.S. Consumer Services |  | $ | 52,961 |  | $ | 201 |  |  | 162 |  |  | 344 |  | $ | 53,668
International Consumer and Network Services |  |  | 8,530 |  |  | 37 |  |  | 28 |  |  | 56 |  |  | 8,651
Global Commercial Services |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Global Small Business Services |  |  | 10,892 |  |  | 43 |  |  | 31 |  |  | 59 |  |  | 11,025
| Global Corporate Payments(a) |  |  | (b) |  |  | (b) |  |  | (b) |  |  | ― |  |  | 55
Card Member Receivables: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
U.S. Consumer Services |  | $ | 12,993 |  |  | 53 |  |  | 33 |  |  | 64 |  | $ | 13,143
International Consumer and Network Services |  |  | 7,703 |  |  | 29 |  |  | 21 |  |  | 50 |  |  | 7,803
Global Commercial Services |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Global Small Business Services |  |  | 15,868 |  |  | 91 |  |  | 54 |  |  | 106 |  |  | 16,119
| Global Corporate Payments(a) |  |  | (b) |  |  | (b) |  |  | (b) |  |  | 148 |  |  | 16,982
2016 (Millions) |  |  | Current |  |  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | 90+ Days Past Due |  |  | Total
Card Member Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
U.S. Consumer Services |  | $ | 48,216 |  | $ | 156 |  | $ | 119 |  | $ | 267 |  | $ | 48,758
International Consumer and Network Services |  |  | 6,863 |  |  | 32 |  |  | 24 |  |  | 52 |  |  | 6,971
Global Commercial Services |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Global Small Business Services |  |  | 9,378 |  |  | 34 |  |  | 23 |  |  | 49 |  |  | 9,484
| Global Corporate Payments(a) |  |  | (b) |  |  | (b) |  |  | (b) |  |  | ― |  |  | 52
Card Member Receivables: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
U.S. Consumer Services |  | $ | 12,158 |  | $ | 45 |  | $ | 30 |  | $ | 69 |  | $ | 12,302
International Consumer and Network Services |  |  | 5,888 |  |  | 22 |  |  | 15 |  |  | 41 |  |  | 5,966
Global Commercial Services |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Global Small Business Services |  |  | 14,047 |  |  | 77 |  |  | 47 |  |  | 102 |  |  | 14,273
| Global Corporate Payments(a) |  |  | (b) |  |  | (b) |  |  | (b) |  |  | 135 |  |  | 14,767
For Global Corporate Payments (GCP) Card Member loans and receivables in GCS, delinquency data is tracked based on days past billing status rather than days past due. A Card Member account is considered 90 days past billing if payment has not been received within 90 days of the Card Member’s billing statement date. In addition, if the Company initiates collection procedures on an account prior to the account becoming 90 days past billing, the associated Card Member loan and rec eivable balance is classified as 90 days past billing. These amounts are shown above as 90+ Days Past Due for presentation purposes. See also (b). Delinquency data for periods other than 90 days past billing is not available due to system constraints. Ther efore, such data has not been utilized for risk management purposes. The balances that are current to 89 days past due can be derived as the difference between the Total and the 90+ Days Past Due balances. Credit Quality Indicators for Card Member Loans and Receivables The following tables present the key credit quality indicators as of or for the years ended December 31:
|  | 2017 |  | 2016 |
|  | Net Write-Off Rate |  |  |  | Net Write-Off Rate |  |  |
|  | Principal Only | (a) | Principal, Interest, & Fees | (a) | 30+Days Past Due as a % of Total |  | Principal Only | (a) | Principal, Interest, & Fees | (a) | 30+Days Past Due as a % of Total |
Card Member Loans: |  |  |  |  |  |  |  |  |  |  |  |  |
U.S. Consumer Services |  | 1.8 | % | 2.1 | % | 1.3 | % | 1.5 | % | 1.8 | % | 1.1 | %
International Consumer and Network Services |  | 2.1 | % | 2.5 | % | 1.4 | % | 2.0 | % | 2.5 | % | 1.6 | %
Global Small Business Services |  | 1.6 | % | 1.9 | % | 1.2 | % | 1.4 | % | 1.7 | % | 1.1 | %
Card Member Receivables: |  |  |  |  |  |  |  |  |  |  |  |  |
U.S. Consumer Services |  | 1.3 | % | 1.4 | % | 1.1 | % | 1.4 | % | 1.6 | % | 1.2 | %
International Consumer and Network Services |  | 2.0 | % | 2.1 | % | 1.3 | % | 2.0 | % | 2.2 | % | 1.3 | %
Global Small Business Services |  | 1.6 | % | 1.8 | % | 1.6 | % | 1.5 | % | 1.7 | % | 1.6 | %
|  |  |  |  |  | 2017 |  | 2016 |
|  |  |  |  |  | Net Loss Ratio as a % of Charge Volume |  | 90+Days Past Billing as a % of Receivables |  | Net Loss Ratio as a % of Charge Volume |  | 90+ Days Past Billing as a % of Receivables |
Card Member Receivables: |  |  |  |  |  |  |  |  |  |  |  |  |
Global Corporate Payments |  |  |  |  |  | 0.10 | % | 0.9 | % | 0.09 | % | 0.9 | %
The Company presents a net write-off rate based on principal losses only (i.e., excluding interest and/or fees) to be consistent with industry convention. In addition, because the Company considers uncollectible interest and/or fees in estimating its reserves for credit losses, a net write-off rate including principal, interest and/or fees is also presented. Refer to Note 4 for additional indicators, including external environmental qualitative factors, management considers in its monthly evaluation process for reserves for losses. Impaired Card Member Loans and Receivables Impaired Card Member loans and receivables are individual larger balance or homogeneous pools of smaller balance loans and receivables for which it is probable that the Company will be unable to collect all amounts due according to the original contractual terms of the Card Member agreement. The Company considers impaired loans and receivables to include: (i) loans over 90 days past due still accruing interest, (ii) nonaccrual loans and (iii) loans and receiv ables modified as troubled debt restructurings (TDRs). In instances where the Card Member is experiencing financial difficulty, the Company may modify, through various programs, Card Member loans and receivables in order to minimize losses and improve col lectability, while providing Card Members with temporary or permanent financial relief. The Company has classified Card Member loans and receivables in these modification programs as TDRs and continues to classify Card Member accounts that have exited a mo dification program as a TDR, with such accounts identified as “Out of Program TDRs.” Such modifications to the loans and receivables primarily include (i) temporary interest rate reductions (possibly as low as zero percent, in which case the loan is charac terized as non-accrual in the Company’s TDR disclosures), (ii) placing the Card Member on a fixed payment plan not to exceed 60 months and (iii) suspending delinquency fees until the Card Member exits the modification program. Upon entering the modificatio n program, the Card Member’s ability to make future purchases is either cancelled, or in certain cases suspended until the Card Member successfully exits the modification program. In accordance with the modification agreement with the Card Member, loans ma y revert back to the original contractual terms (including the contractual interest rate) when the Card Member exits the modification program, which is (i) when all payments have been made in accordance with the modification agreement or, (ii) when the Car d Member defaults out of the modification program. The Company establishes a reserve for Card Member interest charges and fees considered to be uncollectible. Reserves for Ca rd Member loans and receivables modified as TDRs are determined as the difference between the cash flows expected to be received from the Card Member (taking into consideration the probability of subsequent defaults), discounted at the original effective interest rates, and the carrying value of the rela ted Card Member loan or receivables balance. Th e Company determines the original effective interest rate as the interest rate in effect prior to the imposition of any penalty interest rate. All changes in the impairment measurement are included in Provisions for losses in the Consolidated Statements of Income. The following tables provide additional information with respect to the Company’s impaired Card Member loans and receivables. Impaired Card Member receivables are not significant for ICNS as of December 31, 2017, 2016 and 2015; therefore, this segment’s receivables are not included in the following tables.
|  | As of December 31, 2017
|  |  |  |  |  |  | Accounts Classified as a TDR (c) |  |  |  |  |  |  |  |  |  |
(Millions) |  | Over 90 days Past Due & Accruing Interest | (a) | Non-Accruals | (b) | In Program | (d) |  | Out of Program | (e) |  | Total Impaired Balance |  | Unpaid Principal Balance |  | Allowance for TDRs
Card Member Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
U.S. Consumer Services |  | $ | 233 |  | $ | 168 |  | $ | 178 |  |  | $ | 131 |  |  | $ | 710 |  | $ | 639 |  | $ | 49
International Consumer and Network Services |  |  | 56 |  |  | ― |  |  | ― |  |  |  | ― |  |  |  | 56 |  |  | 55 |  |  | ―
Global Commercial Services |  |  | 38 |  |  | 31 |  |  | 31 |  |  |  | 27 |  |  |  | 127 |  |  | 118 |  |  | 8
Card Member Receivables: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
U.S. Consumer Services |  |  | ― |  |  | ― |  |  | 15 |  |  |  | 9 |  |  |  | 24 |  |  | 24 |  |  | 1
Global Commercial Services |  |  | ― |  |  | ― |  |  | 37 |  |  |  | 19 |  |  |  | 56 |  |  | 56 |  |  | 2
Total |  | $ | 327 |  | $ | 199 |  | $ | 261 |  |  | $ | 186 |  |  | $ | 973 |  | $ | 892 |  | $ | 60
|  | As of December 31, 2016
|  |  |  |  |  |  | Accounts Classified as a TDR (c) |  |  |  |  |  |  |  |  |  |
(Millions) |  | Over 90 days Past Due & Accruing Interest | (a) | Non-Accruals | (b) | In Program | (d) |  | Out of Program | (e) |  | Total Impaired Balance |  | Unpaid Principal Balance |  | Allowance for TDRs
Card Member Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
U.S. Consumer Services |  | $ | 178 |  | $ | 139 |  | $ | 165 |  |  | $ | 129 |  |  | $ | 611 |  | $ | 558 |  | $ | 51
International Consumer and Network Services |  |  | 52 |  |  | ― |  |  | ― |  |  |  | ― |  |  |  | 52 |  |  | 51 |  |  | ―
Global Commercial Services |  |  | 30 |  |  | 30 |  |  | 26 |  |  |  | 26 |  |  |  | 112 |  |  | 103 |  |  | 9
Card Member Receivables: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
U.S. Consumer Services |  |  | ― |  |  | ― |  |  | 11 |  |  |  | 6 |  |  |  | 17 |  |  | 17 |  |  | 7
Global Commercial Services |  |  | ― |  |  | ― |  |  | 28 |  |  |  | 10 |  |  |  | 38 |  |  | 38 |  |  | 21
Total |  | $ | 260 |  | $ | 169 |  | $ | 230 |  |  | $ | 171 |  |  | $ | 830 |  | $ | 767 |  | $ | 88
|  | As of December 31, 2015
|  |  |  |  |  |  | Accounts Classified as a TDR (c) |  |  |  |  |  |  |  |  |  |
(Millions) |  | Over 90 days Past Due & Accruing Interest | (a) | Non-Accruals | (b) | In Program | (d) |  | Out of Program | (e) |  | Total Impaired Balance |  | Unpaid Principal Balance |  | Allowance for TDRs
Card Member Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
U.S. Consumer Services |  | $ | 140 |  | $ | 124 |  | $ | 149 |  |  | $ | 89 |  |  | $ | 502 |  | $ | 463 |  | $ | 44
International Consumer and Network Services |  |  | 52 |  |  | ― |  |  | ― |  |  |  | ― |  |  |  | 52 |  |  | 51 |  |  | ―
Global Commercial Services |  |  | 24 |  |  | 26 |  |  | 23 |  |  |  | 18 |  |  |  | 91 |  |  | 85 |  |  | 9
Card Member Receivables: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
U.S. Consumer Services |  |  | ― |  |  | ― |  |  | 11 |  |  |  | 3 |  |  |  | 14 |  |  | 14 |  |  | 8
Global Commercial Services |  |  | ― |  |  | ― |  |  | 16 |  |  |  | 3 |  |  |  | 19 |  |  | 19 |  |  | 12
Total |  | $ | 216 |  | $ | 150 |  | $ | 199 |  |  | $ | 113 |  |  | $ | 678 |  | $ | 632 |  | $ | 73
The Company’s policy is generally to accrue interest through the date of write-off (typically 180 days past due). The Company establishes reserves for interest that it believes will not be collected. Amounts presented exclude Card Member loans classified as a TDR. Non-accrual loans not in modification programs primarily include certain Card Member loans placed with outside collection agencies for which the Company has ceased accruing interest. Amounts presented exclude Card Member loans classified as a TDR. Accounts classified as a TDR include $15 million, $20 million and $20 million that are over 90 days past due and accruing interest and $5 million, $11 million and $18 million that are non-accruals as of December 31, 201 7, 201 6 and 201 5, respectively. I n Program TDRs include Card Member accounts that are currently enrolled in a modification program. Out of Program T DRs include $141 million, $132 million and $84 million of Card Member accounts that have successfully complete d a modification program and $45 million, $3 9 million and $2 9 million of Card Member accounts that were not in compliance with the terms of the modification programs as of December 31, 2017, 2016 and 2015, respectively. The following table provides information with respect to the Company’s average balances and in terest income recognized from I mpaired Card Member loans and the average balances of impaired Card Member receivables for the years ended December 31:
2017 (Millions) |  |  | Average Balance |  | Interest Income Recognized
Card Member Loans: |  |  |  |  |  |
U.S. Consumer Services |  | $ | 643 |  | $ | 68
International Consumer and Network Services |  |  | 56 |  |  | 17
Global Commercial Services |  |  | 120 |  |  | 17
Card Member Receivables: |  |  |  |  |  |
U.S. Consumer Services |  |  | 20 |  |  | ―
Global Commercial Services |  |  | 45 |  |  | ―
Total |  | $ | 884 |  | $ | 102
|  |  |  |  | Interest Income
2016 (Millions) |  |  | Average Balance |  | Recognized
Card Member Loans: |  |  |  |  |  |
U.S. Consumer Services |  | $ | 559 |  | $ | 53
International Consumer and Network Services |  |  | 53 |  |  | 15
Global Commercial Services |  |  | 103 |  |  | 13
Card Member Receivables: |  |  |  |  |  |
U.S. Consumer Services |  |  | 14 |  |  | ―
Global Commercial Services |  |  | 28 |  |  | ―
Total |  | $ | 757 |  | $ | 81
|  |  |  |  | Interest Income
2015 (Millions) |  |  | Average Balance |  | Recognized
Card Member Loans: |  |  |  |  |  |
U.S. Consumer Services |  | $ | 569 |  | $ | 48
International Consumer and Network Services |  |  | 54 |  |  | 14
Global Commercial Services |  |  | 104 |  |  | 11
Card Member Receivables: |  |  |  |  |  |
U.S. Consumer Services |  |  | 13 |  |  | ―
Global Commercial Services |  |  | 20 |  |  | ―
Total |  | $ | 760 |  | $ | 73
Card Member Loans and Receivables Modified as TDRs The following table provides additional information with respect to the USCS and GCS Card Member loans and receivables modified as TDRs for the years ended December 31, 2017, 2016 and 2015. The ICNS Card Member loans and receivables modifications were not significant; therefore, this segment is not included in the following TDR disclosures.
2017 |  | Number of Accounts (in thousands) |  |  | Outstanding Balances ($ in millions) (a) |  | Average Interest Rate Reduction (% points) |  | Average Payment Term Extensions (# of months)
Troubled Debt Restructurings: |  |  |  |  |  |  |  |  |
| Card Member Loans |  | 33 |  | $ | 224 |  | 10 |  | (b)
| Card Member Receivables |  | 6 |  |  | 83 |  | (c) |  | 28
Total |  | 39 |  | $ | 307 |  |  |  |
2016 |  | Number of Accounts (in thousands) |  |  | Outstanding Balances ($ in millions) (a) |  | Average Interest Rate Reduction (% points) |  | Average Payment Term Extensions (# of months)
Troubled Debt Restructurings: |  |  |  |  |  |  |  |  |
| Card Member Loans |  | 31 |  | $ | 220 |  | 9 |  | (b)
| Card Member Receivables |  | 9 |  |  | 123 |  | (c) |  | 18
Total |  | 40 |  | $ | 343 |  |  |  |
2015 |  | Number of Accounts (in thousands) |  |  | Outstanding Balances ($ in millions) (a) |  | Average Interest Rate Reduction (% points) |  | Average Payment Term Extensions (# of months)
Troubled Debt Restructurings: |  |  |  |  |  |  |  |  |
| Card Member Loans |  | 40 |  | $ | 285 |  | 9 |  | (b)
| Card Member Receivables |  | 12 |  |  | 147 |  | (c) |  | 12
Total |  | 52 |  | $ | 432 |  |  |  |
Represents the outstanding balance immediately prior to modification. The outstanding balance includes principal, fees and accrued interest on Card Member loans and principal and fees on Card Member receivables. Modifications did not reduce the principal balance. For Card Member loans, there have been no payment term extensions. The Company does not offer interest rate reduction programs for Card Member receivables as the receivables are non-interest bearing. The following table provides information with respect to the USCS and GCS Card Member loans and receivables modified as TDRs that subsequently defaulted within 12 months of modification for the years ended December 31, 2017, 2016 and 2015. A Card Member is considered in default of a modification program af ter one and up to two missed payments, depending on the terms of the modification program. For all Card Members that defaulted from a modification program, the probability of defa ult is factored into the reserves for Card Member loans and receivables.
|  |  | Number of Accounts |  | Aggregated Outstanding Balances Upon Default(a)
2017 |  |  | (thousands) |  | (millions)
Troubled Debt Restructurings That Subsequently Defaulted: |  |  |  |  |  |
| Card Member Loans |  |  | 6 |  | $ | 39
| Card Member Receivables |  |  | 3 |  |  | 7
Total |  |  | 9 |  | $ | 46
|  |  | Number of Accounts |  | Aggregated Outstanding Balances Upon Default(a)
2016 |  |  | (thousands) |  | (millions)
Troubled Debt Restructurings That Subsequently Defaulted: |  |  |  |  |  |
| Card Member Loans |  |  | 7 |  | $ | 41
| Card Member Receivables |  |  | 3 |  |  | 4
Total |  |  | 10 |  | $ | 45
|  |  | Number of Accounts |  | Aggregated Outstanding Balances Upon Default(a)
2015 |  |  | (thousands) |  | (millions)
Troubled Debt Restructurings That Subsequently Defaulted: |  |  |  |  |  |
| Card Member Loans |  |  | 8 |  | $ | 52
| Card Member Receivables |  |  | 3 |  |  | 5
Total |  |  | 11 |  | $ | 57
The outstanding balances upon default include principal, fees and accrued interest on Card Member loans, and principal and fees on Card Member receivables.

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- Definition The entire disclosure for financing receivables. Examples of financing receivables include, but are not limited to, loans, trade accounts receivables, notes receivable, credit cards, and receivables relating to a lessor's right(s) to payment(s) from a lease other than an operating lease that is recognized as assets. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -URI http://asc.fasb.org/topic&trid=2196771 + Details
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