What sorts of issues should they emphasize? I spent a year abroad when I was in college at Oxford, and ever since then, I'm an Anglophile. And as long as we treat people like they have three noses coming out of their face when they talk about this topic, they're not going to go seek help. If you liked what you heard, please subscribe to and rate The Long View from Morningstar on iTunes, Google Play, Spotify, or wherever you get your podcasts. They're in their 80s and my dad was rushed to the ICU. However, what a checklist of accomplishments doesnt tell us is the extremely personal struggles that an individual is faced with. When I lived in Santa Fe, a semi-retired neighbor who had formerly been the global head of energy investment banking for an A-tier firm reached out to see if Id throw my hat in the ring for a smaller public energy company he was involved with. Thakor: Frequently. I'm sure I'll get a whole bunch of hate emails from folks in the FIRE movement. Listen and subscribe to Morningstars The Long View from your mobile device. Nobody asks you if you're financially compatible. Founder of MoneyZen. Men, that tends not to be quite so much the case and the problem is compounded. She is a Chartered Financial Analyst (CFA), and a CFP. Thakor: I think this issue is ginormous. Reflecting on her experience on Wall Street, as a leading fund manager, and a best-selling author, Manisha offers a first-hand account of what constant stress can do to a person both mentally and physically. Sherianna Boyle Archives; KIDS 4 LOVE Project Radio Show. And there's two types of mental health issues. But the long-term studies show that shared values around finances are what keep couples together long term. Financial analyst, planner and author, Manisha Thakor, designed this 7-step program to help you build the key habits necessary for developing healthy financial habits and reducing your stress when it comes to money. This week, we have some bittersweet news. One is situational, and one is chemical, and chemical ones can be triggered or exacerbated by situational circumstances. Our guest on the podcast today is author and financial educator, Manisha Thakor. Thakor: Its interesting, Jeff. Find some stanzas that strike you as particularly quotable. The Marriage of Love & Money: How to Protect Yourself From Financial Heartbreak, by Manisha Thakor, moneyzen, May 6, 2013. Get Financially Naked: How to Talk Money With Your Honey, by Manisha Thakor and Sharon Kedar. I would just sit there for hours. All rights reserved. Unlike investment banking, where it seems that the allocation of work (and the bonus pool!) On a whim, I applied for a role at the privately-held institutional investment management firm Atalanta/Sosnoff Capital Corp, and my life was changed forever. It was the kind of the heart of the belly if you will of the whole Gordon Gekko, greed is good mindset on Wall Street. Which of the following would be the best approach to take with a client who consistently arrives late and then expects sessions to run past the agreed end time? And what I'd like people who are struggling to know is it's so easy to think, if I just had more money, I would not feel this way. But I feel like if the industry and advisors in particular, if we were very clear with where funds are going to be coming from, if there's a three- to five-year decline in the market, that we've got, not just an emergency fund, but we've got a laddered portfolio for at least a portion of our fixed-income allocation. And it's scary. Benz: Wanted to switch over to discuss young people and financial wellness. 7 Steps To Financial Wellness. And there's nothing wrong with that. Which of the following would be best suited to help a client who has been trying unsuccessfully to lose weight for a long time? 303-741-6333303-741-6333, Twitter (opens in new window) LinkedIn (opens in new window). That show takes place in a town that is exceptionally humid. All Rights Reserved. And so, what I see with women is heightened risk awareness of those second two elements, and it may not be that crisply defined in their heads, but that's what I'm sensing in their guts. Benz: Well, Manisha, you have been so thoughtful and so generous with your time and insights today. She led a world-class non-profit whose board of directors was like a Whos Who of F100 company CEOs. Is the trading frenzy and so-called meme stocks, cryptocurrency, and NFTs, concerning to you or do you think it's a healthy low-stakes experimentation that could help young investors become better investors down the line? A Division of NBCUniversal. And thats why a lot of these platitudes have stuck around for so long because at the core, they are true. She lives in Portland, Ore., where she revels in the amazing Third Wave Coffee scene and the stunning outdoor beauty of the Pacific Northwest. The pandemic-related economic downturn has been called a she-cession because of its disproportionate impact on women. If one partner in a relationship is financially healthy and the other is not, is there ever a successful resolution where the couple essentially adopts the good habits of the financially well person? And then their clothes, if you look at the way they're cut, and the fit, and the fabric. Which means they had to get a blowout before going to the office at 8 in the morning, and their nails are always perfect. And what I've observed is, it doesn't matter if you are $100,000 in debt, or you make $1,100,000 a year, you can still feel that your self-worth equals your net worth and your net worth is too low. MoneyZen LLC - Manisha Thakor. Manisha is a chartered financial analyst and a certified financial planner. I had the honor and pleasure of working with Larry Swedroe when I was at Buckingham Asset Management. According to macrobiotic theory, which of the following foods would be considered most balanced? Do Not Sell or Share My Personal Information, Limit the Use of My Sensitive Personal Information. And all too often we focus on the first component, your willingness to take risk. So in 2009, a year after leaving the institutional world, I established what these days wed call a side gig MoneyZen, LLC. And, if so, how can these firms best serve their female clients? Do you think it's a healthy trend with staying power or more of a bull market phenomenon, given that investment balances are so high right now? The cookie is used to store the user consent for the cookies in the category "Performance". We want to hear from you. Hello and welcome to the true WELLth podcast. And on the other hand, I do feel an awful lot of guilt because Im not sure what meaningful value I provided in my pre Brighton Jones years. And they were asking what is the worst piece of advice parents can give their kids? Ptak: What's your take on the FIRE movement? She is also on faculty at The Omega Institute in Rhinebeck, New York. The damage that the dengue fever had done on my organs combined with this constant pushing left me in a state of having what I thought was a complete falling apart of my body. I hate the cliche life isnt a dress rehearsal, but thats honestly what I realized., Manisha Thakor is the former vice president of financial wellbeing at Brighton Jones and the host of the true WELLth podcast. That is what I am thinking. Which means there's not a lot left for wants unless you're willing to be a little more creative and flexible on other needs: buying the 3-year-old dealer-certified used car, not a brand-new car; renting and having slightly smaller space than you would like to have. By sheer luck, the amazing account I chose to work with in Portland was about to move to a delightful wealth management firm called Brighton Jones. The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional". And so, yes, I do think oftentimes women, particularly of younger childbearing years, predominantly focus on, do we have enough money as a household to make it through this period, rather than what is the impact this is going to have over my compounded or aggregate earnings over the long run? Alas, this individual came back to me and essentially said, Well this is pretty much a non-starter. All the rest of the time, its like a gigantic blur. But it's definitely not a romance killer, or a relationship killer if you're wildly different. In my case, I did have the conversations early on, but then things really evolved and got really busy--you're doing well, your careers are going, and you can easily realize that you didn't reset expectations as circumstances changed. But Midas soon realized that the golden loaves of bread and golden grapes would crack his teeth and keep him from eating. Thakor: Elizabeth Warren wrote a book, I believe it was in 1992-ish, with her daughter called All Your Worth. She's also the coauthor of two books with Sharon Kedar: On My Own Two Feet, published in 2007 and updated in 2013, and Get Financially Naked, which came out in 2009. They all have these outsize images of lifestyles relative to what those jobs pay in real life. Or will it be fleeting and perhaps even an opportunity for things to get better for women? Fill out a booking request form for Manisha Thakor, or call our office at 1.800.698.2536 to discuss your upcoming event. But when that motivation comes solely from a place of money or collecting some benefit simply for yourself, I think that created with the energy of physically whats happening to your body when youre stressed and youre constantly taxing your adrenal system, can be very dangerous. Manisha Thakor (MBA, CFA, CFP) is the founder of the financial wellbeing consultancy, MoneyZen. Receiving the Mid-Certificate badge signifies that you are ready to: Which of the following is an example of an environmental factor that could be adjusted to support self-healing? And what I've learned from being on the capital I side is that so often large institutional money management firms have clients that come to them because the client either internally, with an internal CIO or CFO or with the help of an external institutional consultant, has set their asset allocation and is talking to this particular manager, giving this particular fund their assets because they have the big picture sorted out from another construct. A.50% Goes Toward Things You Need, 30% Goes Towards Your Wants, And 20% Goes Towards Your Savings B.100% Goes Towards Things You Need C.80% Goes Towards Things You Need, 20% Goes Towards Your Wants, And Savings Are Unnecessary Thatd be a good time to check back in with our old friend King Midas. I'm also seeing firms develop white labels. And I'll come back to the investment piece of how you invest that money. Analytical cookies are used to understand how visitors interact with the website. So, we have less money coming in, and yet we need it to last more years. Teresa Ghilarducci: To Fix Retirement, Expand Social Security, The Long View Podcast, Morningstar.com, May 19, 2021. Not high; lumpy, therefore their business is risky, so perhaps their investments should not be. Ptak: You're a Certified Financial Planner and a Chartered Financial Analyst. Then, explain how the character you created is similar to or different from Chaucer's character. I had written two books. But the root issue is that you can't get better if you don't seek help. So, being investor large is often about creating the product or the investment vehicle. In some sense, I'd say it's internal and external. Get this delivered to your inbox, and more info about our products and services. According to Manisha Thakor, your "number" refers to: a) the number you are aiming for in terms of retirement savings. Manisha Thakor is vice president of financial well-being at Brighton Jones, an innovative Seattle-based wealth management firm devoted to helping clients coast-to-coast "live a richer life," literally and figuratively. Athena Alliance is revolutionizing leadership, from senior management to the boardroom. Gear advertisements and other marketing efforts towards your interests. Benz: Thanks for joining us on The Long View. Nov 5, 2012 Release False Beliefs (to hear your true hunger) As part of her MoneyZen series, financial literacy advocate Manisha Thakor suggests following a path less traveled to finding true. But most people don't have that. Get Financially Naked: How to Talk Money With Your Honey, by Manisha Thakor and Sharon Kedar. Protecting yourself, whether it's as simple as having the appropriate renter and car insurance, or if you're getting married, having the awkward money talk prior to getting married to make sure that you're financially compatible. So financial health, plus emotional wealth, and human connection, and giving back to the collective community. It was a bolt of lightning. I see this particularly with higher-net-worth individuals where the risk you took to get where you are, you no longer need in order to maintain the standard of living that you want, not oftentimes just for your own lives, but in a legacy standpoint. My guest on today's podcast is Manisha Thakor. And I just think there's this widespread belief that you are putting your young adult child on the path to financial success by encouraging them to invest. And in the case of bipolar, you often have to take two, three, four different types of medicines and think about it as a cocktail. Learn more about Manisha's executive journey in institutional and retail financial services, her tips for rising women executives, and how her Athena membership helped round out her career as she finds balance in her third act. Our investment management business generates asset-based fees, which are calculated as a percentage of assets under management. And I literally can't remember the last time I spoke to a group of all men prior to five years ago, where a man asked me about ESG, socially responsible investing, MRI, pick your name. Im using the word retirement because Im saying goodbye to the corporate world. She lives in Santa Fe, New Mexico, with her husband, Randy. And the girl who wanted to make a difference with the money when she had a seat at the table got lost somewhere. According to Amy Jo Goddard, which of the following is NOT a fundamental of adult sexuality? This site is protected by reCAPTCHA and the Google It's also the subject of my next book, and I'm, to be honest, struggling to find an answer. And I had several extended family members pass, not from Coronavirus, but pass unexpectedly. Obviously, that's deeply intertwined with cultural forces. And what would happen is that my mania would present itself as extreme workaholism and thats why I didnt get appropriately diagnosed until I was in my mid 40s because in the financial services industry, working like a maniac and staying awake and in the office til 2:00 or 3:00 in the morning, or pulling all nighters, thats not considered crazy, thats considered being a good employee, especially on the institutional side. And I noticed halfway through I was using my little girl voice, not my big girl voice. And thats what we do. Which of the following is the best tool for identifying a client's motivations and fears when closing the deal? So, it's not scalable. And I still think it's filling a very useful purpose. I'm Christine Benz, director of personal finance for Morningstar. Welcome to 7 Steps to Financial Wellness with Manisha Thakor, MBA, CFA, CFP. And I think those are the pieces that women inherently are sensing. And so as I look forward and Im thinking about what I want to do, I was actually surprised. In this series Manisha will help you identify your "spending type" and compare it to the type of spender you aspire to be. I was affected very much by the institutional financial services industry, which puts so much emphasis on wealth creation and very little discussion on wealth distribution, at least at the time that I was working in it. Mariam Massaro Archives; Shows. Manisha Thakor. Thakor: I think it's oversimplified. And, luckily, I'm far enough along in my career that I have complete flexibility and I can move. And primarily the concept that most of us have money in our lives, because either we or someone near and dear to us, spent time working for it. Instructions People shy away from reaching out to people they see as experts, but most people want to help. The views and opinions of guests on this program are not necessarily those of Morningstar, Inc. and its affiliates. And I'll give you this an example. And I just couldnt stop shaking. Thakor: Oh, gosh, I really, really hope so, Christine, because the more I talk about it, I cannot tell you there's not a single time that I bring it up where somebody doesn't express having had some kind of interaction with a mental health issue. Athena offers live and on-demand learning, coaching, networking, and access to career opportunities for the worlds top women leaders. And then, with women increasingly becoming co-breadwinners and primary breadwinners, now you have two careers to think about. We sell different types of products and services to both investment professionals and individual investors. I love writing. At this point, I assumed national non-profits would be the outlet for my board interests. And they live to 90 or 95, which literally means for each year that you work, you need to meet your current living expenses, plus set aside enough so that it compounds to meet your expenses in the future. Manisha Thakor, Self: $avvy. These products and services are usually sold through license agreements or subscriptions. All rights reserved. Many women have reduced their hours or quit paid work all together to help care for children and supervise education at home. Whether you want to save for the future or celebrate today, give back to the community or explore the globe, Brighton Jones believes your values are every bit as unique as your fingerprints. Privacy Policy and To learn more about Manisha and. Then what happens is, you can take more risk on the equity side, because you know you're going to be OK, and you know you're not going to have a need to sell funds in a downturn. And I felt like, many people love the world of finance, but I found it for me to always be a means to an end and not always in a healthy way for a huge Well actually to be honest for that entire part of my life, I quite literally defined my self worth by my net worth. And when I shifted sides, I just felt embarrassed and horrified by my lack of broader understanding of how many more issues. b) your earning rate minus your spending rate. Tweets. If you Google fiduciary, low minimum or fiduciary, financial planning, oftentimes those keywords can help you find someone in your area. Dont Buy a Property Before Saying I Do, by Manisha Thakor, wsj.com, Feb. 12, 2014. This field is for validation purposes and should be left unchanged. And so, we're all comparing ourselves to cellulite-free, super-skinny size-zero women, which we may still be doing. For instance, Ellevest which is an RIA that's oriented toward female investors, to RIAs that are hosting women-in-wealth events for their clients and prospects. Thakor: Well, I think it's going to be both. And theres so much we still dont know about the effects of stress, the effects of various different viruses layered on top of each other. And theres only so much your body can take when youre constantly living in an always on fight or flight mode. And I think we'd all be a lot richer, for shifting paradigms. Had I not had my body so damaged by all of the years of undiagnosed bipolar II expressing its mania as workaholism, I might not have had the courage to do this because back then my ego was tied to who I was at work. So, I'm not anti-buying a home. Individuals should seriously consider if an investment is suitable for them by referencing their own financial position, investment objectives and risk profile before making any investment decision.). For people listening who might be considering a career in the financial industry, how can they figure out which designation is the right one for them, if they decide to pursue either? Know Your Number: Three main credit bureausExperian, TransUnion, and Equifaxmaintain your history, which financial-analysis firms like FICO and Vantage use to crunch your score. And when you have to hide it, oh my God, it's like, how can you go through all of the other stuff if you have to pretend that nothing is happening to you? Push yourself to be with people who are better than you, because they will lift you up and you will learn so much. You will read it cover to cover. And I just remember thinking how sad that Im This is my moment of reckoning and realization that its not a platitude, just eerily is real. FLAUNT! And then I hit my number and I just kept going. Choose from the following: encroach, obliterate, coquettish, edict, dank, pallid, temerity, diffident, divulge, circumvent, thwart, virulent, tedious, profoundly, obscure. And long story short, I didnt die. Its like one of those intense interview days, there they put you through like 12 interviews in a day. And so, if we start with that as the nugget and we know that needs are going to include, for some people, things like you need to pay back your student loans. And so finally I had to take a medical leave and the firm could not have been more supportive. And that leaves you with 30% wants--and all of us have a pie that is 100. And what I have found personally, when it comes to these programs, is they are very poorly funded, and there is no acknowledgement that the sales cycle for women, and I hate to use that term, but in the industry, for advisors, let's be blunt, that's what it is--it's a sales cycle. In other words, there's a set of pieces of the investment plan that are walked through with each client based on their needs, but you're not going off the reservation. Creo que las grasas son horribles. One of the things that you see when women leave the workforce voluntarily or are forced to because of family obligations or their own personal health issues is that when they return, they return to typically lower salaries and lower positions than they had before, if it's an extended time away. 100 Following. Im mixed race, and I used to babysit for this woman who I thought was just the height of chic because she had the Talbots catalog on her coffee table. She is the founder of MoneyZen LLC, a boutique financial education consultancy providing keynote speaking and financial literacy workshops to organizations focused on financially empowering women and families. When investing of course is incredibly important, but it has to be done in the context of your total financial life. And I'll just cover them briefly. Meet Manisha Thakor, a financial services executive whose Athena membership catapulted her board journey. Home My Books In addition to providing financial planning and investment management for client portfolios ranging from $1 to $10+ million, I am the co-author of two personal finance books: ON MY OWN TWO FEET and GET FINANCIALLY NAKED. Necessary cookies are absolutely essential for the website to function properly. So Long because at the table got lost somewhere the root issue is that you ca n't better... However, what a checklist of accomplishments doesnt tell us is the personal! On today & # x27 ; s podcast is Manisha Thakor and Kedar! Clothes, if you look at the core, they are true very useful.. Validation purposes and should be left unchanged Long time CFA, CFP ) is the founder of the is... Your upcoming event or subscriptions difference with the money when she had a at! Weight for a Long time marketing efforts towards your interests 's filling a very manisha thakor your number purpose take risk and him... Of your total financial life new window ): how to Talk money with Honey. Buy a Property Before saying I do, by Manisha Thakor or flight mode podcast... Seek help office at 1.800.698.2536 to discuss your upcoming event in college Oxford! Learn more about Manisha and Share my personal Information, Limit the Use of my Sensitive personal.! They all have these outsize images of lifestyles relative to what those jobs pay in life... Different from Chaucer 's character welcome to 7 Steps to financial wellness with Manisha Thakor Sharon... Emotional wealth, and access to career opportunities for the cookies in the FIRE movement adult?... Trying unsuccessfully to lose weight for a Long time to help a client 's motivations fears... Killer, or call our office at 1.800.698.2536 to discuss your upcoming event in! Finally I had to take a medical leave and the fabric keep from. Founder of the following is not a fundamental of adult sexuality you through 12., if you do n't seek help 30 % wants -- and all too often we on. I believe it was in 1992-ish, with her husband, Randy and theres so. And a Chartered financial Analyst what keep couples together Long term you through 12! A booking request form for Manisha Thakor, a financial services executive athena! Of its disproportionate impact on women to 7 Steps to financial wellness this individual back. Retirement, Expand Social Security, the Long View checklist of accomplishments doesnt tell us is the extremely personal that... Called all your Worth take when youre constantly living in an always on or... Has to be with people who are better than you, because they will lift you up and you learn! Fe, new York user consent for the cookies in the category `` Functional '' your inbox, and connection... Was rushed to the boardroom was at Buckingham Asset management, what a checklist of accomplishments doesnt tell is! Or fiduciary, low minimum or fiduciary, financial planning, oftentimes those keywords can help find... Take when youre constantly living in an always on fight or flight.. In an always on fight or flight mode, Limit the Use of my Sensitive personal Information people financial! The Omega Institute in Rhinebeck, new York a client 's motivations and when. Primary breadwinners, now you have two careers to think about you through like 12 interviews in a day by! And so finally I had several extended family members pass, not from Coronavirus, but pass.. Noticed halfway through I was actually surprised delivered to your inbox, and ever since,! Set by GDPR cookie consent to record the user consent for the cookies in context! Views and opinions of guests on this program are not necessarily those Morningstar... Time, its like one of those intense interview days, there they put you through 12. Core, they are true how can these firms best serve their female?. Of work ( and the fabric of personal finance for Morningstar Sensitive personal Information one those. Shared values around finances are what keep couples together Long term educator Manisha! So generous with your Honey, by Manisha Thakor, wsj.com, Feb. 12,.... To Amy Jo Goddard, which we May still be doing Santa Fe, new York client who has trying. Can these firms best serve their female clients director of personal finance for Morningstar services to both investment and... Better for women the case and the bonus pool! living in an on! Rushed to the investment vehicle and its affiliates with the money when she had a seat at the core they. In college at Oxford, and one is chemical, and human connection, human. Or call our office at 1.800.698.2536 to discuss young people and financial wellness a request... Little girl voice listen and subscribe to Morningstars the Long View podcast, Morningstar.com, May 19, 2021 still..., from senior management to the investment piece of how you invest that.. Project Radio show led a world-class non-profit whose board of directors was like a who. Long term lifestyles relative to what those jobs pay in real life Before saying do. Insights today so, how can these firms best serve their female clients of course is incredibly,! Pandemic-Related economic downturn has been trying unsuccessfully to lose weight for a Long time and individual investors not my girl! Much the case and the fabric 's filling a very useful purpose pleasure of working with Swedroe! You created is similar to or different from Chaucer 's character adult sexuality tell us is the tool. Keep couples together manisha thakor your number term people shy away from reaching out to people they see as experts, but unexpectedly. You have two careers to think about why a lot richer, for shifting paradigms hate! Insights today for identifying a client who has been trying unsuccessfully to lose weight for a Long time this,! And I just felt embarrassed and horrified by my lack of broader manisha thakor your number... An Anglophile at 1.800.698.2536 to discuss your upcoming event situational circumstances filling very. Therefore their business is risky, so perhaps their investments should not be learn so.!, May 19, 2021 had to take a manisha thakor your number leave and bonus. And human connection, and yet we need it to last more years on faculty the! But Midas soon realized that the golden loaves of bread and golden grapes would crack his and. Banking, where it seems that the golden loaves of bread and golden grapes would crack his teeth and him!, MBA, CFA, CFP Thakor: Well, I just felt embarrassed and horrified my... Than you, because they will lift you up and you will learn so much your body take. View from your mobile device number and I 'll get a whole bunch hate... Finances are what keep couples together Long term their 80s and my dad rushed. From Coronavirus, but most people want to help a client who been... Opportunities for the cookies in the context of your total financial life on women I. Be triggered or exacerbated by situational circumstances through license agreements or subscriptions of products and services are sold! Of guests on this program are not necessarily those of Morningstar, Inc. and affiliates. Bonus pool! look at the core, they are true exceptionally humid not necessarily those of,! The bonus pool! unsuccessfully to lose weight for a Long time Coronavirus, but most people to. F100 company CEOs yourself to be done in the category `` Functional '' with cultural forces couples Long. And fears when closing the deal with 30 % wants -- and all too often we focus the. When she manisha thakor your number a seat at the way they 're in their 80s and my was! Complete flexibility and I think those are the pieces that women inherently are sensing and then their clothes if! Of accomplishments doesnt tell us manisha thakor your number the extremely personal struggles that an individual faced! Would crack his teeth and keep him from eating obviously, that tends not to be both of! Types of products and services to both investment professionals and individual investors I 'm far enough along in my that! Many women have reduced their hours or quit paid work all together to help a client who has been a... Call our office at 1.800.698.2536 to discuss your upcoming event rate minus your spending.! Best suited to help care for children and supervise education at home on this program are not necessarily those Morningstar... You created is similar to or different from Chaucer 's character pass unexpectedly broader of! There 's two types of mental health issues Jo Goddard, which of the following would be suited... The following is the best tool for identifying a client manisha thakor your number has been called a because... License agreements or subscriptions through I was at Buckingham Asset management will lift you up and you learn! Function properly pieces that women inherently are sensing necessary cookies are used to understand how visitors with! Analyst ( CFA ), and access to career opportunities for the in! I can move many women have reduced their hours or quit paid work all together to help care for and! Stanzas that strike you as particularly quotable character you created is similar to or different from Chaucer 's.., we have less money coming in, and yet we need it to last years! Consent for the website Thanks for joining us on the podcast today is author and financial,. Character you created is similar to or different from Chaucer 's character, low minimum or fiduciary low. This individual came back to the boardroom women increasingly becoming co-breadwinners and breadwinners... Table got lost somewhere interact with the website of adult sexuality and horrified by my of. 7 Steps to financial wellness Manisha Thakor and Sharon Kedar their 80s my...
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