Makeitraincapital.com Review

Based on looking at the website, Makeitraincapital.com presents itself as a multifamily investment firm primarily focused on Texas.

However, a comprehensive review reveals several critical omissions and potential red flags that should give any prospective investor pause, especially when considering ethical investing principles.

Overall Review Summary:

• Transparency: Lacks essential information regarding regulatory compliance, detailed risk disclosures, and specific investment methodologies.
• Team Information: While names are provided, detailed professional backgrounds, credentials, and track records are conspicuously absent.
• Operational Clarity: The website offers high-level strategic statements but no granular details on how investments are managed, fees are structured, or how liquidity is handled.
• Regulatory Compliance: No clear indication of registration with relevant financial authorities e.g., SEC, which is crucial for investment firms.
• Ethical Alignment: Without clear disclosure on underlying asset types, financing methods e.g., interest-based debt, and detailed operational practices, it’s impossible to ascertain full ethical compliance, particularly from an Islamic finance perspective where interest riba and speculative investments are prohibited.

Detailed Explanation:

The website’s presentation is clean and professional, emphasizing a “woman-led boutique firm” and values like “personal responsibility, growth, and relationships.” It highlights a current portfolio of “600+ multifamily units $75M+” and touches on strategies like “core, value-add, workforce, and affordable housing.” While these sound positive on the surface, the lack of verifiable, in-depth information about their operational framework, investment vehicles, and regulatory standing makes it difficult to assess their legitimacy or alignment with ethical investment principles.

Key elements expected from a trustworthy investment platform—such as clear regulatory disclaimers, detailed financial statements, a prospectus, and a robust investor relations section—are notably missing.

This absence makes due diligence nearly impossible for potential investors.

Best Alternatives for Ethical Investment:

For those seeking genuinely ethical and transparent investment opportunities, particularly within an Islamic framework, consider the following alternatives which often emphasize real asset backing, profit-sharing, and avoidance of interest-based transactions:

• Amanah Ventures: Focuses on Shariah-compliant venture capital and private equity investments, often in technology and sustainable businesses, providing direct asset ownership or profit-sharing models.
• Wahed Invest: An online halal investment platform offering diversified portfolios managed according to Islamic principles, avoiding industries like alcohol, tobacco, gambling, and interest-bearing instruments.
• Guidance Residential: Specializes in Shariah-compliant home financing, utilizing an Ijara lease-to-own model to avoid conventional interest, allowing ethical participation in real estate.
• Safa.vc: A venture capital firm investing in early-stage tech companies that align with Islamic values, promoting innovation within an ethical framework.
• IdealRatings: While not a direct investment platform, IdealRatings provides Shariah-compliant screening and certification for various financial assets, empowering investors to make informed ethical choices.
• SP Funds: Offers Sharia-compliant ETFs Exchange Traded Funds that allow investors to gain exposure to various sectors while adhering to Islamic finance principles, such as avoiding debt-heavy companies or impermissible industries.
• Zoya: A mobile app and web platform for Shariah-compliant stock screening and investment research, enabling individuals to build their own ethical portfolios.

Find detailed reviews on Trustpilot, Reddit, and BBB.org, for software products you can also check Producthunt.

IMPORTANT: We have not personally tested this company’s services. This review is based solely on information provided by the company on their website. For independent, verified user experiences, please refer to trusted sources such as Trustpilot, Reddit, and BBB.org.

Makeitraincapital.com Review & First Look

When you first land on Makeitraincapital.com, the immediate impression is one of a clean, minimalist design with a clear focus on “Multifamily investment firm focused in Texas.” The site’s primary message highlights its identity as a “woman-led boutique firm” with a diverse team.

This initial presentation aims to convey professionalism and a unique market position.

Initial Impressions and Aesthetic Design

The website employs a modern, uncluttered aesthetic.

The color scheme is muted, and the navigation is straightforward, featuring standard links like “Investments” and “Our Team.” This design approach is common among financial firms aiming for a sense of gravitas and reliability.

However, while visually appealing, the design alone cannot compensate for a lack of substantive information.

Key Claims and Value Propositions

Makeitraincapital.com makes several key claims.

They assert a “deep understanding of market insights,” “strong local relationships,” and a “fresh approach to drive impactful returns.” Their stated values are “personal responsibility, growth, and relationships.” The site mentions a current portfolio of “600+ multifamily units $75M+” across four assets.

These are bold statements designed to attract potential investors by promising expertise and positive outcomes.

What’s Missing from the Onset

Despite the professional facade, critical information is notably absent from the homepage and easily accessible sections.

There’s no immediate mention of regulatory bodies they are registered with e.g., SEC, FINRA, no detailed risk disclosures, nor clear explanations of their financial products or the specific investment vehicles they employ. Ltcconsumer.com Review

For an investment firm, these omissions are significant red flags.

According to a 2023 report by the North American Securities Administrators Association NASAA, lack of clear disclosure is a hallmark of many investment scams, with unregistered investment schemes being a persistent threat to investors.

Makeitraincapital.com Transparency Concerns

Transparency is paramount in the investment world.

Investors need to understand precisely who they are dealing with, how their money will be managed, and what risks are involved.

Makeitraincapital.com falls short in providing this essential level of transparency.

Lack of Regulatory Information

One of the most concerning aspects of Makeitraincapital.com is the absence of any visible regulatory information.

Legitimate investment firms in the United States are typically registered with the Securities and Exchange Commission SEC or relevant state securities regulators.

This registration requires them to adhere to strict rules designed to protect investors, including detailed reporting and disclosure obligations.

Without this information, it’s impossible to verify their legal standing or oversight.

According to the SEC’s investor alerts, individuals should always check the background of investment professionals and firms using resources like the SEC’s Investment Adviser Public Disclosure IAPD database. Nolablends.com Review

Incomplete Team Profiles

While the website introduces Daisy and Luc as “managing partners, investors, and husband and wife,” the profiles lack the professional depth expected of investment firm principals.

There are no detailed résumés, specific educational backgrounds, prior professional experience, or verifiable track records beyond a general statement of being investors.

In contrast, reputable firms typically provide comprehensive bios that include licenses, certifications like CFA, CFP, and a clear history of their roles and accomplishments.

This lack of detail makes it difficult for potential investors to assess the team’s expertise and credibility.

Vague Investment Strategy and Metrics

The description of their strategy is high-level: “By partnering with firms that align with our values, we leverage our collective expertise to drive positive impact and generate meaningful returns through investments in core, value-add, workforce, and affordable housing.” While these terms are common in real estate, the website doesn’t elaborate on:

• Specific criteria for “partnering firms”: What kind of firms? What due diligence process is applied?
• “Collective expertise”: Who contributes this expertise, and what are their qualifications?
• Detailed performance metrics: Beyond “600+ multifamily units $75M+,” there’s no information on historical returns, occupancy rates, cash flow, or a breakdown of the specific assets. A 2022 report by the National Council of Real Estate Investment Fiduciaries NCREIF typically provides detailed property-level data and index performance, which is absent here.

Makeitraincapital.com Ethical Considerations Islamic Perspective

From an Islamic finance perspective, investments must adhere to Sharia principles, which strictly prohibit interest riba, excessive uncertainty gharar, gambling maysir, and investments in industries deemed unethical e.g., alcohol, pornography. The information provided on Makeitraincapital.com makes it challenging to assess its compliance with these principles.

The Problem of Interest Riba

The most significant concern for an Islamic investor is the potential involvement of interest riba in the firm’s operations. Real estate investments, especially large-scale multifamily projects, are typically financed through a combination of equity and debt. If Makeitraincapital.com utilizes conventional interest-bearing loans to acquire or develop properties, or if their “meaningful returns” are generated through interest-based financial instruments, it would render the investment impermissible. The website provides no information on their financing structures. Legitimate Islamic real estate funds, such as those offered by Shariah-compliant real estate investment trusts REITs, explicitly state their adherence to non-interest-based financing models like Murabaha, Ijara, or Musharakah.

Lack of Sharia Compliance Disclosure

There is no mention of Sharia compliance, an independent Sharia advisory board, or any screening process to ensure investments avoid haram industries.

Without this explicit commitment and verification, an Islamic investor cannot confidently invest. Lightvive.com Review

Ethical investing for Muslims requires a clear declaration and adherence to principles that go beyond general “values.” The Dow Jones Islamic Market Index, for example, screens thousands of companies to ensure they meet Shariah criteria before inclusion.

Transparency in Profit Generation

While the website mentions “meaningful returns,” the exact mechanisms for generating these returns are not detailed.

Are they purely from rental income and capital appreciation, or are there other financial strategies involved that might not align with Islamic principles? For instance, excessive leverage or speculative derivatives, even if legal, would be problematic.

A transparent Islamic investment firm would explain how profits are generated and distributed, ensuring it aligns with concepts like Mudarabah profit-sharing or Musharakah joint venture.

Makeitraincapital.com Pros & Cons

Based on the publicly available information on the website, here’s a candid look at the potential advantages and significant disadvantages.

Perceived Pros Based on Website Claims, Not Verified

• Niche Focus: Specialization in Texas multifamily investments could suggest localized expertise.
• “Woman-led boutique firm”: This might appeal to investors looking for diverse leadership or a more personalized approach compared to larger institutions.
• Emphasis on “Values”: The stated commitment to “personal responsibility, growth, and relationships” could resonate with some investors seeking ethically minded partners, though specific actions underpinning these values are unclear.
• Existing Portfolio: The mention of “600+ multifamily units $75M+” suggests some level of operational activity, though the details are scarce.

Significant Cons Critical Deficiencies and Red Flags

• Lack of Regulatory Transparency: No mention of SEC registration, state licenses, or any oversight body. This is a fundamental red flag for any investment firm.
• Insufficient Team Information: The bios for Daisy and Luc are extremely thin, lacking detailed professional backgrounds, verifiable credentials, or track records.
• Vague Investment Strategy: High-level descriptions “core, value-add, workforce, affordable housing” without specific methodologies, risk management protocols, or performance data.
• Absence of Financial Disclosures: No clear information on fees, minimum investment amounts, redemption policies, or audited financial statements.
• No Risk Disclosures: A professional investment website should prominently feature detailed risk warnings, disclaimers, and terms of service. Their absence is a serious concern.
• Unclear Communication Channels: While there are links for “Investments” and “Our Team,” there’s no immediate clear contact form or direct investor relations point.
• Ethical Opacity Islamic Perspective: Zero indication of Sharia compliance, which is critical for Muslim investors. The potential use of interest-based financing is a major concern.

Makeitraincapital.com Alternatives

Given the significant lack of transparency and potential ethical concerns for Makeitraincapital.com, especially from an Islamic finance standpoint, exploring established and ethically sound alternatives is crucial.

The following options offer greater transparency, regulatory oversight, and a clear commitment to ethical principles.

Alternative Ethical Investment Platforms & Services

1. Wahed Invest:

   • Key Features: Offers Sharia-compliant online investment portfolios for various risk appetites. Screens out impermissible industries alcohol, tobacco, gambling, firearms, etc. and avoids interest-based instruments. Regulated in the US.
   • Pros: Easy-to-use platform, diversified portfolios, low minimums, clear Sharia compliance.
   • Cons: Limited customization compared to self-directed brokerage, performance tied to broader market.
   • Average Price: Management fees typically range from 0.49% to 0.99% annually, depending on the portfolio size.
2. Amana Mutual Funds:

   • Key Features: One of the oldest and most established Sharia-compliant mutual fund families in the US. Offers various funds income, growth, balanced that invest in companies screened for Islamic principles.
   • Pros: Long track record, professional management, broad diversification, transparent Sharia screening.
   • Cons: Minimum investment can be higher than robo-advisors, actively managed funds may have higher expense ratios.
   • Average Price: Expense ratios vary by fund, generally ranging from 0.90% to 1.30%.

3. Guidance Residential: Coloradocoolcabins.com Review

   • Key Features: Provides Sharia-compliant home financing Ijara and Murabaha models that avoids interest. Allows individuals to participate in real estate ownership ethically.
   • Pros: Solves the critical need for halal home financing, transparent process, established reputation.
   • Cons: Specific to home financing, not a general investment platform, may have stricter eligibility criteria than conventional mortgages.
   • Average Price: Financing terms are competitive with conventional rates but structured to be Sharia-compliant, with various fee structures.

4. SP Funds:

   • Key Features: Offers Sharia-compliant Exchange Traded Funds ETFs that track specific Islamic indices. Provides easy access to diversified halal equity portfolios through standard brokerage accounts.
   • Pros: Low expense ratios, highly diversified, liquid can be traded throughout the day, transparent holdings.
   • Cons: Market-dependent performance, less active management compared to mutual funds.
   • Average Price: Expense ratios typically below 0.50% annually.

5. CrowdFundMe for ethical real estate crowdfunding, research thoroughly:

   • Key Features: Note: This is a general platform. Always verify Sharia compliance of individual projects. Some real estate crowdfunding platforms may offer projects structured in a Sharia-compliant way e.g., equity participation, profit-sharing, no interest-based debt. Requires careful due diligence on each project’s financing model.
   • Pros: Direct investment in real estate projects, potential for higher returns, diversification.
   • Cons: Higher risk due to illiquidity and project-specific factors, requires extreme caution to ensure Sharia compliance of each specific offering.
   • Average Price: Varies by project. often involves management fees or profit-sharing percentages.

6. Zoya:

   • Key Features: A stock screening and analysis app that helps investors identify Sharia-compliant stocks. Provides detailed reports on a company’s business activities, financial ratios, and compliance with Islamic principles.
   • Pros: Empowers self-directed ethical investing, easy to use, comprehensive screening.
   • Cons: Not an investment platform itself, requires a separate brokerage account, accuracy depends on data and screening methodology.
   • Average Price: Free tier available. premium features require a subscription e.g., $10-$20/month.

7. Sharia-compliant REITs search for specific funds:

   

   • Key Features: Publicly traded trusts that invest in income-generating real estate. Some REITs are structured to be Sharia-compliant by avoiding interest-based financing and investing in permissible property types e.g., not hotels that serve alcohol.
   • Pros: Liquidity can buy/sell shares easily, diversification, income generation from real estate.
   • Cons: Requires careful screening to ensure genuine Sharia compliance, market volatility.
   • Average Price: Purchased like stocks through a brokerage account. expense ratios vary, often around 0.50%-1.00%.

How to Assess Investment Opportunities Ethically

When evaluating any investment opportunity, especially in real estate or private equity, a rigorous ethical framework is essential.

Simply relying on vague claims of “values” is insufficient.

Here’s a practical guide to assessing opportunities from an ethical and Islamic perspective.

Due Diligence Beyond the Surface

Ethical investors must look beyond attractive websites and marketing slogans. Real due diligence involves:

• Verifying Regulatory Status: Confirm the firm is registered with relevant financial authorities e.g., SEC, state securities boards. This ensures oversight and investor protection.
• Examining Financial Disclosures: Demand to see audited financial statements, a clear prospectus or private placement memorandum PPM, and detailed fee structures. Understand how returns are calculated and distributed.
• Understanding the Investment Vehicle: Is it direct equity, a fund, or a partnership? What are the liquidity terms? How long is the investment locked in?
• Assessing Management Team Credibility: Request detailed professional biographies, track records, and references. Are they licensed? Do they have relevant experience in the stated asset class? A 2023 survey by PwC found that investor confidence significantly increases with clear, verifiable leadership experience.

Specific Checks for Sharia Compliance

For Muslim investors, the following specific checks are non-negotiable: Syntaxtechs.com Review

• Absence of Riba Interest: Crucially, ensure that the financing of the properties and the firm’s operations do not involve interest-bearing loans. This means seeking out structures like Murabaha cost-plus financing, Ijara leasing, or Musharakah/Mudarabah profit-sharing partnerships. Ask directly about their financing model.
• Permissible Asset Class: Confirm that the underlying assets e.g., multifamily units are used for permissible activities. For instance, properties rented for alcohol sales, gambling, or other prohibited activities would make the investment impermissible. Multifamily housing generally falls within permissible asset classes, but the details matter.
• Gharar Excessive Uncertainty Avoidance: The investment structure should minimize excessive uncertainty or speculation. This means clear contracts, transparent pricing, and defined risk parameters. Vague “impactful returns” without a clear path to profitability are a red flag.
• Maysir Gambling Avoidance: The investment should not involve elements of gambling or pure speculation. Returns should be tied to real economic activity and asset performance, not chance.
• Ethical Business Practices: Beyond financial instruments, ensure the firm operates ethically in its dealings with tenants, employees, and partners, avoiding exploitation or injustice.

Why Self-Education is Your Best Tool

In an unregulated or ethically ambiguous space, your best defense is knowledge. Take the time to understand:

• Basic Investment Principles: Learn about different asset classes, risk assessment, and diversification.
• Islamic Finance Fundamentals: Educate yourself on the core principles of Sharia-compliant investing. Resources like the Islamic Finance Council UK IFC provide excellent educational materials.
• Regulatory Frameworks: Understand how investment firms are regulated in your jurisdiction and how to verify their legitimacy.
• Warning Signs of Scams: Be vigilant for promises of abnormally high returns, pressure to invest quickly, lack of transparency, and unsolicited investment offers. The Financial Industry Regulatory Authority FINRA publishes regular alerts on investment scams.

By arming yourself with this knowledge, you can more effectively discern legitimate, ethically sound opportunities from those that fall short.

How to Protect Yourself from Questionable Investment Firms

Protecting your capital and your ethical integrity requires vigilance and a proactive approach.

Verifying Legitimacy and Credentials

The first line of defense is always verification. Don’t take claims at face value.

• Check Regulatory Databases: In the U.S., verify investment advisers and brokers through the SEC’s Investment Adviser Public Disclosure IAPD database and FINRA BrokerCheck. If a firm is involved in real estate syndications, they might be exempt from certain SEC registrations under rules like Regulation D, but they should still be able to clearly articulate this and provide detailed offering documents.
• Search State Regulators: Many investment opportunities are regulated at the state level. Check with your state’s securities division to see if the firm or its principals are registered or have any disciplinary history.
• Review Offering Documents: For private investments, demand a Private Placement Memorandum PPM or similar offering document. This document should detail the investment terms, risks, management team, and financial projections. Read it thoroughly, and if unsure, have a qualified legal or financial professional review it. According to the SEC, a PPM is crucial for understanding private offerings.
• Seek Independent Reviews: Look for independent reviews, articles, or news mentions from reputable financial publications. Be wary of reviews that seem overly positive or appear on obscure, unverified websites.

Safeguarding Your Capital and Ethical Principles

Beyond verifying legitimacy, actively protect your financial and ethical interests.

• Never Rush Decisions: High-pressure sales tactics or urgent deadlines are major red flags. Legitimate opportunities allow ample time for due diligence.
• Understand the Risks: All investments carry risk. A firm that guarantees returns or downplays risks is suspicious. Understand the worst-case scenario for your investment.
• Avoid Unsolicited Offers: Be extremely cautious of unsolicited investment offers, whether via email, phone, or social media.
• Start Small and Diversify: If you do decide to invest with a new firm, start with a smaller amount you can afford to lose. Never put all your eggs in one basket. Diversify your investments across different asset classes and firms.
• Get Everything in Writing: Ensure all agreements, promises, and terms are documented in writing before you commit any funds.
• Consult Professionals: Before making any significant investment, consult with an independent financial advisor who understands ethical investing principles or a Sharia advisor if Islamic compliance is a priority. Their objective advice can help you spot red flags and make informed decisions. A 2023 study by Vanguard found that working with an advisor can add significant value to an investor’s portfolio and decision-making process.
• Question High Returns: If an investment promises returns significantly higher than market averages with little to no risk, it’s almost certainly a scam. Be skeptical of promises like “guaranteed 20% returns.”

Reporting Suspicious Activity

If you encounter a firm or offering that appears to be fraudulent or unethical, report it.

• SEC: The Securities and Exchange Commission SEC has an online complaint form for reporting potential securities law violations.
• FINRA: FINRA also accepts tips and complaints about brokers and brokerage firms.
• State Securities Regulators: Your state’s securities division is another resource for reporting suspicious investment activity.
• Local Law Enforcement: For outright fraud, contact your local law enforcement agencies.

By taking these proactive steps, you can significantly reduce your exposure to questionable investment schemes and ensure your financial decisions align with your ethical values.

FAQ

How can I verify if Makeitraincapital.com is a legitimate investment firm?

To verify legitimacy, check if the firm is registered with the SEC or your state’s securities regulator.

Search the SEC’s Investment Adviser Public Disclosure IAPD database and FINRA BrokerCheck for the firm and its principals.

The Makeitraincapital.com website does not provide this information, which is a significant red flag. Mirgonconsulting.com Review

Does Makeitraincapital.com disclose its regulatory compliance?

No, the website for Makeitraincapital.com does not explicitly disclose any regulatory compliance information, such as registration with the SEC or other financial oversight bodies.

This lack of transparency is a critical concern for potential investors.

Are there detailed financial statements or performance data available for Makeitraincapital.com’s investments?

Based on the website, there are no detailed financial statements, audited reports, or specific historical performance data beyond the general claim of “600+ multifamily units $75M+.” Reputable investment firms typically provide comprehensive performance metrics.

What kind of multifamily units does Makeitraincapital.com invest in?

Makeitraincapital.com states it invests in “core, value-add, workforce, and affordable housing” multifamily units.

However, specific details about the properties, locations beyond “Texas,” or their operational status are not readily available on the website.

Who are Daisy and Luc from Makeitraincapital.com?

Daisy and Luc are introduced as the “managing partners, investors, and husband and wife” of Makeitraincapital.com.

The website provides minimal professional background or detailed credentials for either individual.

Does Makeitraincapital.com offer Sharia-compliant investment options?

The Makeitraincapital.com website makes no mention of Sharia compliance, an Islamic advisory board, or any specific measures taken to ensure investments adhere to Islamic finance principles e.g., avoidance of interest/riba.

What are the typical fees or pricing structures for Makeitraincapital.com’s services?

The website does not provide any information regarding typical fees, pricing structures, minimum investment amounts, or how returns are shared with investors.

This lack of transparency on financial terms is concerning. Thegreenheadgreenaid.com Review

Can I invest in Makeitraincapital.com from outside of Texas?

While the website states a focus on Texas, it does not explicitly restrict investors geographically.

However, without clear regulatory compliance and investment solicitation details, it’s difficult to ascertain eligibility or legality for investors outside their stated focus region.

How can I contact Makeitraincapital.com for more information?

The website primarily lists links to “Investments” and “Our Team.” There is no clearly visible contact form, dedicated email address, or phone number for investor inquiries on the homepage.

What are the main risks associated with investing with Makeitraincapital.com?

Based on the limited information, the main risks include a significant lack of transparency regarding regulatory oversight, team credentials, detailed investment strategies, and financial disclosures.

This makes it impossible for an investor to perform adequate due diligence.

Does Makeitraincapital.com provide a prospectus or private placement memorandum PPM?

The website does not offer or link to a prospectus or Private Placement Memorandum PPM. These documents are standard for legitimate private investment offerings and provide crucial details about risks, terms, and the offering itself.

How does Makeitraincapital.com generate its “impactful returns”?

The website states they “leverage our collective expertise to drive positive impact and generate meaningful returns through investments in core, value-add, workforce, and affordable housing.” However, it does not provide specific details on the financial mechanisms or methodologies used to achieve these returns.

Are there testimonials or reviews of Makeitraincapital.com from actual investors?

The Makeitraincapital.com website does not feature any testimonials or reviews from actual investors.

Independent reviews are also not readily available through general searches.

What is the typical investment horizon for Makeitraincapital.com’s multifamily investments?

The website does not specify a typical investment horizon or expected holding periods for its multifamily investments. Codemode.us Review

This is a common piece of information provided by real estate investment firms.

Does Makeitraincapital.com offer any kind of investor portal or account access?

The website does not mention or provide access to an investor portal or any system for investors to track their investments or manage their accounts.

What is the exit strategy for investments made through Makeitraincapital.com?

The website does not detail any specific exit strategies for investments, such as property sales, refinancing, or other liquidity events.

Is Makeitraincapital.com associated with any financial institutions or brokerage firms?

The website does not indicate any association with specific financial institutions, banks, or brokerage firms.

This lack of affiliation can be a red flag for an investment company.

How does Makeitraincapital.com manage potential conflicts of interest?

The website does not provide any information or policies regarding how potential conflicts of interest are managed, particularly concerning the dual role of Daisy and Luc as managing partners and investors.

What is Makeitraincapital.com’s track record of successful investments?

While the website mentions a portfolio of “600+ multifamily units $75M+,” it does not provide a detailed track record of successful investments, including specific realized returns, duration of investments, or audited performance history.

Why is it important for an investment firm to disclose its regulatory status?

It is crucial for an investment firm to disclose its regulatory status because it signifies that the firm operates under the oversight of a governing body, which provides investor protection, ensures adherence to financial regulations, and allows for public verification of the firm’s legitimacy and any disciplinary actions.

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