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  • 25 Jun, 22:37
    Admin User
    ONE YEAR OF RERA NOTIFICATION “MANY STATES STILL HAVE NO PORTALS” PUTS SEVERAL REAL ESTATE PROJECTS IN “LIMBO” MAKES PERMANENT APPROVAL MANDATORY more...
  • 24 Jun, 22:34
    Admin User
    Land aggregators are a significant part of the real estate industry. more...
  • 23 Jun, 22:56
    Admin User
    Check your EPF Account Balance in 6 Easy Steps. more...
  • 22 Jun, 23:20
    Admin User
    The more hours you spend bent over an iPad, the more neck and shoulder pain you experience more...
  • 21 Jun, 22:24
    Admin User
    Permanent jobs for 2,700 sanitation workers CM Asks BMC Mumbai to implement SC order more...
  • 20 Jun, 22:16
    Admin User
    11 lakh PAN have been deactivated: more...
  • 19 Jun, 22:25
    Admin User
    BE IT DEPT INFORMER "GIVE BLACK MONEY INFO GET UP TO “₹5CR REWARD” ₹1CR FOR TIP-OFF ON BENAMI DEALS WITHIN COUNTRY more...
  • 18 Jun, 23:03
    Admin User
    Fintech : Free online courses from University of Hong Kong. more...
  • 17 Jun, 20:23
    Admin User
    Government increased the carpet area of houses eligible for interest subsidy under the Credit Linked Subsidy Scheme (CLSS) for the Middle-Income Group (MIG) under Pradhan Mantri Awas Yojana (Urban). more...
  • 15 Jun, 11:32
    Admin User
    Let Government construct concrete compound wall for total lake and stop sewage water entering lake. more...

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M.S.Yatnatti Editor Property Politics
ONE YEAR OF RERA NOTIFICATION “MANY STATES STILL HAVE NO PORTALS” PUTS SEVERAL REAL ESTATE PROJECTS IN “LIMBO” MAKES PERMANENT APPROVAL MANDATORY
by Admin User - Monday, 25 June 2018, 10:37 PM
 

By : M.S.Yatnatti: Editor and Video Journalist Bengaluru :Reportedly The implementation of the Real Estate Regulation (and Development) Act, 2016, in the country is woefully short of expectations even almost a year after all its sections became law on May 1, 2017.Of the 28 states (the Act is not applicable in J&K) where the act is to be enforced, only three have appointed a permanent regulator, only 14 states have functional portals, and only 20 states have notified rules. All seven UTs, however, have notified the rules.Maharashtra, MP and Punjab have appointed permanent regulators under Rera. All other states are functioning with interim designated regulators, a report said.Reportedly as many as 542 ongoing real estate projects are facing uncertainty with the Real Estate Regulatory Authority Karnataka (RERA-K) issuing a notification prohibiting projects with provisional approval from doing business. The notification, which came into effect on April 1, 2018, mandates that builders get permanent approval before advertising projects, entering into agreement with customers and accepting advance money from them .Following the move, RERA-K authorities have started issuing permanent registration numbers to approved projects. The notification, however, has cast a shadow on projects which are under the process of approval. Most of them are in Bengaluru. RERA-K, clarified that builders are at fault as they were not supposed to take money from customers and do business based on the provisional approval number given to them. “Section 3 of the RERA Act clearly says no promoter shall advertise, market or sell the product until the project is permanently approved. The provisional approval number is an acknowledgement of sorts and has no legitimacy. Builders shouldn’t have gone ahead,”.See that apartment project is RERA Approved. Take precautions as buying property is not easy. Many check lists have been reportedly published by many on the internet and websites and blogs.Please consider each one of them and do not over look any good point..Reportedly buying a resale property has always proven to be advantageous from choosing a strategic location to acquiring finer properties at better prices and ready to move properties . Although a resale apartment may be old, it is a good investment option owing to the low availability or supply of new properties in the area. Therefore, if the owner chooses to redevelop the property, it is likely to fetch him greater appreciation and better return on investment .Another advantage of buying a resale apartment will be if the buyer makes a one shot payment from his disposable income rather getting into the intricacies of seeking a home loan. However, one should be aware that seeking a home loan for a resale property would mean meeting additional legal and procedural requirements. It is mandatory that one should be aware of the legalities and paperwork before investing in a resale apartment. One can even consider hiring a good realtor and good advocate to get information on the apt resale property, the details of the seller, and running around for paperwork etc.

M.S.Yatnatti Editor Property Politics
Land aggregators are a significant part of the real estate industry.
by Admin User - Sunday, 24 June 2018, 10:34 PM
 

By:M.S.Yatnatti: Editor and Video Journalist Bengaluru:Reportedly Land aggregators are a significant part of the real estate industry. In its raw format, land originates to the aggregator where he adds value to the land with title reports, title clearances, property boundary, and registrations post which the land would be ready for sale.

GST was introduced last year to eliminate the complex tax structure in the country but unfortunately GST itself became controversial subject .Under GST, real estate business can be categorized into two parts. One is the sale of land and other is under-construction building. According to GST Act, sale of land and sale of building with occupancy certificate is beyond GST law as provided in para 5 of Schedule III. Pricing of real estate is driven by market forces and the end-consumer is expected to benefit from GST.

Reportedly present, sale of land and buildings with occupancy certificates have been kept out of GST but is expected to be taxed within a period of a year. Construction of building will benefit from the rates declared for cement, bric ks, and steel under GST. In GST, seamless credit is applicable to developers which were not available earlier.

According to GST, raw materials like cement, steel and construction costs have been stated as ‘supply of services’. Therefore, the tax levied will be on the basis of actual raw material procurement. The developer exempts one-third of the total amount of the property as land value. Hence currently, there is no GST on sale of land.With regard to allowance of Input Tax Credit (ITC) when supplier does not declare his accounts, one of the conditions for availing ITC is that tax is to be paid by the supplier. ITC will be allowed to the buyer only when selling material from the supplier matches with materials bought by the contractor.

According to experts prior to GST, builders were not eligible for credit of excise duty, VAT, entry tax etc paid on materials and thus the materials were part of price of the construction undertaken. Post GST, the benefits of ITC i s made available against payment of GST at 12% liability and hence it will no longer be part of the cost.

Reportedly the Impact of RERA is visible in the real estate industry. RERA is India’s first real estate regulatory act passed by the central government to bring about accountability and transparency in the real estate industry. Through RERA, the developers have to disclose property details, approval status, development plans and timelines for all ongoing projects and also register new project launches through an online portal.


With RERA coming into effect, home buyers have been showing interest in properties which are completed and ready-to-move-in. The transparency and regulations in RERA have aided the buyers in receiving the details about the plot, building plan and even the completion date of the project. Prior to RERA, customers had to bear the brunt of any project delays on account of multiple factors like approvals, procurements, delay in construction and changes in the project. Tim ely delivery of the projects, informing prospective buyers about minor addition or alteration, sharing and updating on project plan, government approvals, land title status are some of the compliances post implementation of RERA.

Experts believe during the past few years, the industry has seen many small and medium sized land aggregators entering residential and commercial development. Large developers have shown growth, whereas the small and medium aggregators continue land aggregation or merge with large real estate developers. This is due to increased compliances and consumer demands in the industry.

With regard to GST, the government of India is following a lessons learnt model, wherein an array of changes have been implemented, their impact monitored and modifications made, if necessary.

Momentum is also building for the inclusion of real estate within the ambit of GST, with several states backing Finance minister Arun Jaitley’s sug gestion that the new indirect tax system is the answer to tax evasion and flow of unaccounted wealth within the sector. GST in real estate also requires further streamlining as additional levies like stamp duty and registration are still separately charged and should be included within a single tax structure. The GST council meeting on November 9, 2017 has not derived any simplification process and has postponed the decision to the next council meeting. According to the finance minister, there is a need to ensure that there is no evasion of tax and therefore a need for further discussion.

However, experts opinion is divided and few experts feel such a measure (bringing real estate under GST) would require an amendment to the Constitution. At present schedule seven of the constitution lists taxation of land and buildings as part of the state list.

Since the 1st of July 2017, leasing of land, renting of buildings as well as EMIs paid for purchase of under-construction houses have been attracting GST. Any lease, tenancy, easement, license to occupy land is considered as supply of service and hence comes under the central GST (CGST).

Implementation of GST was to get India under one tax regime and ease the process of doing business. Post implementation of GST, the real estate industry is expected to become more transparent. The availability of input credits will reduce project costs. GST for the country is good for the economy, but we hope stamp duty and registration gets subsumed within it and stamp duty and registration fees get abolished.

M.S.Yatnatti Editor Property Politics
Check your EPF Account Balance in 6 Easy Steps.
by Admin User - Saturday, 23 June 2018, 10:56 PM
 

By:M.S.Yatnatti: Editor and Video Journalist Bengaluru: Check your EPF Account Balance in 6 Easy Steps.Do you know the total accumulated balance in your employees provident fund (EPF)? In case you are keen to know the balance and are unable to do so, it is an easy process if you have been allotted an Universal Account Number (UAN) by the EPFO.

In case you do not have your 12-digit UAN, you can get it activated through your employer to know the summary of PF deducted through EPFO portal. All employees need to have only one UAN throughout their working life irrespective of the number of companies they change. It is a universal account number (UAN) which facilitates in linking of multiple EPF accounts of a member.

M.S.Yatnatti Editor Property Politics
The more hours you spend bent over an iPad, the more neck and shoulder pain you experience
by Admin User - Friday, 22 June 2018, 11:20 PM
 

By:M.S.Yatnatti: Editor and Video Journalist Bengaluru:According to PTI reports Women are over two times more likely to be plagued by ‘iPad neck’ — a condition defined as persistent pain in the neck and upper shoulders due to excessive use of tablets — due to their bad postures, a study has found.The study, published in the Journal of Physical Therapy Science, found that ‘iPad neck’ is associated with a lack of back support while keeping the tablet on one’s lap during usage. Other postures include lying on one’s side or back.


Researchers from University of Nevada, Las Vegas (UNLV) in the United States conducted a survey of 412 people about their device usage habits and neck or shoulder complaints.The most frequently reported symptoms were those of stiffness, soreness, or aching pain in the neck, upper back, shoulder, arms, hands, or head.


Postures that led to pain included sitting without back support, sitting with the device in the lap, sitting in a chair with the tablet placed on a flat desk surface.Flexing the neck forward for long periods of time puts pressure on the spine, causing neck and shoulder muscle strain and pain.


The study showed that women were 2.059 times likelier to show musculoskeletal symptoms than men.The symptoms were experienced by around 70% women, as compared to fewer than 30% of men.

M.S.Yatnatti Editor Property Politics
Permanent jobs for 2,700 sanitation workers CM Asks BMC Mumbai to implement SC order
by Admin User - Thursday, 21 June 2018, 10:24 PM
 

By:M.S.Yatnatti: Editor and Video Journalist Bengaluru:According reports reaching to media in Bengaluru victory for 2,700 contractual sanitation workers is reported in Mumbai city, Chief Minister Devendra Fadnavis has directed the civic body BMC to give them the status of permanent employees in three months. This decision is being hailed as a victory for the workers’ union in its 11-yearlong court battle with the BMC.

The Supreme Court had in 2017 ordered BMC to make these contractual staffers in its conservancy department permanent employees. But the BMC was dragging its feet.

In a series of reports, experts had written how, because of the contractual nature of their job, several benefits were being denied to these workers, with most of them not getting provident fund and other dues.

Under the Industrial Disputes Act, experts state that worker has the right to demand a permanent position if he/she has worked continuously for 240 days. Contractors often hire workers only for six months, and then the BMC awards the work to another contractor (the BMC’s argument for changing contractors every six months is that it wants to avoid cartelization). Though the workers remain more or less the same under a new contractor, this means a labourer works with one contractor for less than 240 days and cannot claim a permanent slot.In 2007, the Kachra Vahatuk Shramik Sangh had filed a case with the Industrial Tribunal on behalf of 2,700 workers. The tribunal ruled in favour of the workers on October 13, 2014. The BMC challenged this in Bombay high court. On December 22, 2016, HC ruled in favour of the union. Justice N M Jamdar even called the contract system “sham and bogus”. The BMC challenged the HC order in the Supreme Court, but SC upheld the HC and Industrial Tribunal’s orders.

Milind Ranade, general secretary of the Kachra Vahatuk Shramik Sangh (KVSS), said BMC had refused to make these workers permanent citing discrepancies in their names in court records and documents such as Aadhaar cards, PAN cards and voter ID cards. “The BMC had been giving frivolous reasons. There were discrepancies in names; for example, a worker’s name may be spelled as Laxman in court records but as Lakshman on his Aadhaar card, but that is because the workers are illiterate and most of the time their documents are filled by other people, like the Aadhaar centre staff. That is why these errors could have crept in. Rather than finding a way out, BMC kept the issue hanging,” Ranade said.

He said Fadnavis has now asked BMC to take an indemnity bond from these workers, saying despite the spelling difference, the person mentioned on the document is the same and is claiming his right to the job.Officials who attended the meeting said BMC will publish a list of names in which discrepancies have been found and call for objections. If everything is clear, the process to make them permanent will begin.

M.S.Yatnatti Editor Property Politics
11 lakh PAN have been deactivated:
by Admin User - Wednesday, 20 June 2018, 10:16 PM
 

By:M.S.Yatnatti: Editor and Video Journalist Bengaluru:11 lakh PAN have been deactivated: Recently, Minister of State for Finance Santosh Kumar Gangwar in a written reply informed the Rajya Sabha that as on July 27, 11,44,211 PANs have been identified and deleted or de-activated in cases where multiple PANs were found allotted to one person.A person cannot hold more than one PAN. A penalty of Rs. 10,000 is liable to be imposed under section 272B of the Income-tax Act, 1961 for having more than one PAN.If a person has been allotted more than one PAN then he should immediately surrender the additional PAN card(s).

The central government has introduced three new schemes to bring the tax defaulters into tax bracket. The tax revenue, benami transactions and assets of the underwriter have announced a reward of Rs 5 crore.If you have given specific information on tax evasion of income and assets outside India, you will get reward of Rs 5 crore. If you provide information on tax evasion in India, you will get reward of Rs 50 lakh. Those who give information about Benami transactions and assets are paid up to 1 crore rupees. The Finance Ministry has issued a statement to this extent. This reward scheme is aimed at encouraging people to give information about Benami transactions and properties as well as income earned on such properties by such hidden investors and beneficial owners.The income tax (I-T) department launched the Benami Transactions Informants Reward Schemeunder which a person can get a reward of up to Rs 1 crore for giving information to tax authorities about benami transactions and properties of Indians in the country.A similar reward scheme for information about benami assets in foreign countries can earn a reward of up to Rs 5 crore, with even foreigners eligible for the reward. “With the objective of obtaining people’s participation in the income tax department’s efforts to unearth black money and reduce tax evasion, anew reward scheme has been issued, superseding the earlier reward scheme,” according to a press note issued by the Central Board of Direct Taxes (CBDT) . “For information about income and assets actionable under the Black Money Act, a reward of up to Rs 5 crore has been introduced in the new reward scheme,” the CBDT said in the press note .The amount has been kept high to make it attractive to potential sources in foreign countries to give information, the CBDT said. The I-T department has also amended the existing “Income Tax Informants Reward Scheme” under which a person can get a reward of up to Rs 50 lakh for giving actionable information about evasion of tax on income or assets in India.The I-T department is empowered to probe assets of Indians in foreign countries under the Black Money (Undisclosed Foreign Income and Assets) Act. Under the 2015 act, it can recover tax on such undisclosed assets. In a statement, the department said it was found in many cases that black money was invested in properties in the name of others, even though benefits were enjoyed by the investor concealing his/her beneficial ownership in his/her tax returns.

M.S.Yatnatti Editor Property Politics
BE IT DEPT INFORMER "GIVE BLACK MONEY INFO GET UP TO “₹5CR REWARD” ₹1CR FOR TIP-OFF ON BENAMI DEALS WITHIN COUNTRY
by Admin User - Tuesday, 19 June 2018, 10:25 PM
 

By:M.S.Yatnatti: Editor and Video Journalist Bengaluru: The central government has introduced three new schemes to bring the tax defaulters into tax bracket. The tax revenue, benami transactions and assets of the underwriter have announced a reward of Rs 5 crore.If you have given specific information on tax evasion of income and assets outside India, you will get reward of Rs 5 crore. If you provide information on tax evasion in India, you will get reward of Rs 50 lakh. Those who give information about Benami transactions and assets are paid up to 1 crore rupees. The Finance Ministry has issued a statement to this extent. This reward scheme is aimed at encouraging people to give information about Benami transactions and properties as well as income earned on such properties by such hidden investors and beneficial owners.The income tax (I-T) department launched the Benami Transactions Informants Reward Schemeunder which a person can get a reward of up to Rs 1 crore for giving information to tax authorities about benami transactions and properties of Indians in the country.A similar reward scheme for information about benami assets in foreign countries can earn a reward of up to Rs 5 crore, with even foreigners eligible for the reward. “With the objective of obtaining people’s participation in the income tax department’s efforts to unearth black money and reduce tax evasion, anew reward scheme has been issued, superseding the earlier reward scheme,” according to a press note issued by the Central Board of Direct Taxes (CBDT) . “For information about income and assets actionable under the Black Money Act, a reward of up to Rs 5 crore has been introduced in the new reward scheme,” the CBDT said in the press note .The amount has been kept high to make it attractive to potential sources in foreign countries to give information, the CBDT said. The I-T department has also amended the existing “Income Tax Informants Reward Scheme” under which a person can get a reward of up to Rs 50 lakh for giving actionable information about evasion of tax on income or assets in India.The I-T department is empowered to probe assets of Indians in foreign countries under the Black Money (Undisclosed Foreign Income and Assets) Act. Under the 2015 act, it can recover tax on such undisclosed assets. In a statement, the department said it was found in many cases that black money was invested in properties in the name of others, even though benefits were enjoyed by the investor concealing his/her beneficial ownership in his/her tax returns.

M.S.Yatnatti Editor Property Politics
Fintech : Free online courses from University of Hong Kong.
by Admin User - Monday, 18 June 2018, 11:03 PM
 

By:M.S.Yatnatti: Editor and Video Journalist Bengaluru: https://www.youtube.com/watch?v=yn5oODzf_JA&feature=youtu.be . Free online courses from University of Hong Kong.HKUx on edX is starting a course on Introduction to FinTech:Learn from leading academics and practitioners from around the world about the innovations, technology and regulation driving the transformation of finance. This course is available at www.edx.org/course/introduction-to-fintech#what-you-will-learn.Over the past decade emerging technologies, paired with massive changes in regulations, have driven an unprecedented transformation of finance around the world. This process is happening more rapidly in China and Asia than anywhere else. This course is designed to explore FinTech fundamentals and help make sense of this wave of change as it happens. New players such as start-ups and technology firms are challenging traditional players in finance, bringing democratization, inclusion and disruption. Companies engaged in social media, e-commerce, and telecommunications, as well as, companies and start-ups with large customer data pools, creative energies, and technical capacities, have brought competition to the existing financial infrastructure and are remaking the industry. These transformations have not only created challenges but also unprecedented opportunities, building synergies with new business and regulatory models, particularly in emerging markets and developing countries. To meet these changes, 21st-century professionals and students must be equipped with up-to-date knowledge of the industry and its incredible evolution. This course – designed by HKU with the support of SuperCharger and the Centre for Finance, Technology and Education – is designed to enable learners with the necessary tools to understand the complex interaction of finance, technology and regulation. In this course, through a series of video lectures, case studies, and assessments you will explore the major areas of FinTech including, beginning with What is FinTech before turning to Money, Payment and Emerging Technologies, Digital Finance and Alternative Finance, FinTech Regulation and RegTech, Data and Security, and the Future of Data Driven Finance, as well as, the core technologies driving FinTech including Blockchain, AI and Big Data. These will set the stage for understanding the FinTech landscape and ecosystem and grappling with the potential direction of future change.

What you'll learn: The major areas in FinTech, including Money and Payment, Digital Finance and Alternative Finance.Major technological trends, including cryptocurrencies, Blockchain, AI and Big Data.FinTech Regulation and RegTech.The fundamental role of Data and Security in data-driven finance .Business and regulatory implications of technology for the financial industry.How regulations and RegTech are applied.Ways to analyse and evaluate what is driving technology innovation in Finance .How new technology impacts economies, markets, companies, and individuals. Take this course for free on edx.org.

M.S.Yatnatti Editor Property Politics
Government increased the carpet area of houses eligible for interest subsidy under the Credit Linked Subsidy Scheme (CLSS) for the Middle-Income Group (MIG) under Pradhan Mantri Awas Yojana (Urban).
by Admin User - Sunday, 17 June 2018, 08:23 PM
 

By:M.S.Yatnatti: Editor and Video Journalist Bengaluru:According to real estate industry experts tide is certainly turning in favour of homebuyers, who despite being the most important stakeholder in real estate sector were till date remained almost ignored so far Government and Industry . While homebuyers themselves have been getting more vocal about their concerns for some time, protection of their interests has taken the centre stage now is visible everywhere.

The recent reported developments, particularly over the last couple of months , are an indication that homebuyers are receiving the much-needed attention and the government is providing utmost priority to their issues.

Firstly and most importantly, the government has cleared an ordinance amending the Insolvency and Bankruptcy Code (IBC), which now recognizes homebuyers as financial creditors to real estate developers.With this, homebuyers have a reason to cheer as according to the Insolvency and Bankruptcy Code Amendment Ordinance, 2018, they will get representation in the Committee of Creditors (CoC) that takes a call on resolution proposals , essentially making them an integral part of the decision making process.

Last week, in another major decision to bolster affordable housing and construction sector leading to enhanced economic activity, the government increased the carpet area of houses eligible for interest subsidy under the Credit Linked Subsidy Scheme (CLSS) for the Middle-Income Group (MIG) under Pradhan Mantri Awas Yojana (Urban).

As per the reported revised norms, the Ministry of Housing & Urban Affairs has enhanced the carpet Area of houses eligible for subsidy under CLSS for MIG to 160 sq meter or 1,722 sq ft for MIG -I and 200 sq meter or 2,153 sq ft for category MIG-II. Earlier the carpet area for these houses under MIG I and MIG II category was fixed at 120 sq meter or 1,291 sq ft and 150 sq meter or 1,614 sq ft.

The upward revision will now enable more MIG customers to qualify for subsidy and avail the benefits provided under the ambitious flagship Mission of Pradhan Mantri Awa s Yojana (Urban).

This move is another key step to boost the construction sector that contributes to increased activity on the supply side. This initiative is expected to result in enhanced economic activity that would contribute to improvement in the demand side.

Apart from this, the Reserve Bank of India also recently took a decision to increase priority sector lending (PSL) slabs that will allow first-time homebuyers avail higher loans at better terms. RBI has revised the housing loan limit for PSL to Rs 35 lakh from Rs 28 lakh in metros with a population of 10 lakh and above and to Rs 25 lakh from Rs 20 lakh in other centres, provided the overall cost of the dwelling unit in the metros and at other centres does not exceed Rs 45 lakh and Rs 30 lakh. government has supported the housing sector through affordable housing fund, lower goods & services tax (GST) rates, increased tenure of loans under the Credit-Linked Subsidy Scheme (CLSS) of PMAY and extended income tax benefits to apartments of up to 645 sq ft carpet area.All of these developments, in addition to setting up of regulator for real estate sector through Real Estate (Regulation & Development) Act, 2016 that was notified and implemented last year, are aiming to put the spotlight on the most important entity, homebuyers.

M.S.Yatnatti Editor Property Politics
Let Government construct concrete compound wall for total lake and stop sewage water entering lake.
by Admin User - Friday, 15 June 2018, 11:32 AM
 

By:M.S.Yatnatti: Editor and Video Journalist Bengaluru:Let Government construct concrete compound wall for total lake and stop sewage water entering lake. Reportedly Bellandur Lake is B’luru’s biggest septic tank.The city’s biggest lake has become its largest septic tank and the blame goes to the government and civic agencies, which have failed to discharge their duties, a commission appointed by the National Green Tribunal (NGT) has concluded in its report .


The panel made the observations in its report prepared after inspection of three lakes, including Bellandur, the largest and most polluted in Bengaluru. Lambasting the government and civic agencies, the report has described how encroachments and dumping of waste and sewage continue to haunt Bellandur Lake. There is not even 1ml of clean water in the lake, it added.


The report submitted to the NGT on May 31 attributed the sorry state of Bellandur Lake, which frequently spews froth and fire, to the sheer callousness and indifference of the authorities. The report states that the lake’s water-holding capacity has shrunk due to the dumping of garbage and construction waste, among other things.Hydrophytes and microphytes in the water are also causing trouble, it reportedly says.


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