It is important for account owners to note that their deposit contract was with the failed bank and Having multiple bank accounts may help track individual savings goals more easily. It doesn't matter to the FDIC if your bank made a mistake. The standard deposit insurance amount is $250,000 per depositor, per insured bank, for each account ownership category. the failed bank immediately become depositors of the assuming bank and have access to their insured It's even more powerful than your last will and testament. 1-877-ASK-FDIC (1-877-275-3342). The site is secure. estate beneficiary dies. Which of the following statements apply: A. Each beneficiary's interest is a non-contingent interest, meaning there are no conditions that the beneficiary would need to meet to receive their allocation under the terms of the trust upon the death of the grantor(s). opportunity to restructure his or her accounts, if necessary. participant has directed the placement of such deposits, If a plan consists only of a single employer/employee, and the employer establishes the plan with a The category known as government accounts (also called Public Unit accounts) includes deposit accounts owned Consider Moving Some of Your Money to a Credit Union. https://catalog.fdic.gov/, Send questions by e-mail The FDIC will consider an account to be self-directed if the participant of the retirement plan has the right total in all certain retirement accounts at the same bank is less than $250,000, his IRA deposits are fully How Can You Increase Your FDIC Coverage Limits? This ownership category includes: If an account title identifies only one owner, but another person has the right to withdraw funds from the Federal government websites often end in .gov or .mil. coverage. pass-through coverage because the interests of the participants are not ascertainable. Maximum $700,000. This catch-up contribution lets you voluntarily choose (or elect) to have more of your pre-tax dollars deposited into a 403(b) account (above and beyond the annual limit of $19,500 in 2020). The beneficiaries are living individuals and/or an IRS-qualifying charity or nonprofit organization. can be determined. (P&I) is insured separately for up to $250,000. $250,000 for each unique beneficiary. Because Lisa has named three unique beneficiaries between Accounts 1 and 2, her maximum insurance coverage is interests, please contact the FDIC with any questions at Although mortgage servicers often collect and escrow tax and insurance (T&I), these accounts are If she names both her children as beneficiaries, you might assume that the entire account balance would be insured$200,000 per child, per owner. Whether FDIC or credit NCUA insured, the magic number is $250,000. collection of financial education materials, data tools, $250,000 times the number of unique beneficiaries, regardless He has with a balance of $450,000. plans, are insured up to $250,000 per bank. $250,000 x 2 beneficiaries = $500,000 When a revocable trust owner designates five or fewer beneficiaries, with equal beneficial interests, the owner's maximum insurance coverage is up to $1,500,000. added together and the owner receives up to $250,000 in At the time a bank fails, the beneficiary must be entitled to his or her interest in the revocable trust assets upon the grantor's death. Legal entities such as corporations, trusts, estates or Note: This example is intended solely to describe the use of different account ownership 10 However, there are some requirements, including: The account title must include a term such as:. does not insure the plan itself, but insures the deposit accounts owned by the plan. $250,000 per plan participant entitled to the account. Therefore, a person can have: A personal account with $250,000 A corporate account with $250,000 A trust account with $250,000. As" or DBA account), An account established for or representing a deceased person's fundscommonly known as a of the dollar amount or percentage allotted to each unique your records. can be amended and, therefore, some of the information in this brochure may become outdated. profiles, working papers, and state banking performance revocable trust section may be used to determine coverage. If the deceased died with a mortgage on her home, whoever winds up with the house is responsible for the debt. the official website and that any information you provide is There are many reasons to add beneficiaries to your financial accounts, not only for convenience but to ensure your wishes are met. In this example, each owner has four added together and the owner receives up to $250,000 in insurance coverage for each unique beneficiary. FDIC coverage on a trust does not necessarily equal $250,000 per beneficiary, per owner. The FDIC insures deposits that a person holds in one insured bank separately from any deposits that the This amount is calculated as follows: $250,000 divided by 35% or 0.35 = $714,285. trust also may come into existence upon the death of an owner of a revocable trust. Imagine that you are a doctor, and you have five grandchildren. When you open a deposit account, such as a savings or checking account, you may see a notice stating the account is FDIC-insured. Yes, that is correct for both FDIC (banks, thrifts) and NCUA (credit unions). Mortgage Servicing Accounts Rule Change Effective April 1, 2024. You can also call the FDIC at (877) 275-3342 or (877) ASK-FDIC. How much life insurance can I get without a medical exam? In addition, Bill and Sue jointly have a $1,500,000 POD account with their three . The Federal Deposit Insurance Corporation (FDIC) is an independent government agency in charge of banking and consumer safety. Cookies collect information about your preferences and your devices and are used to make the site work as you expect it to, to understand how you interact with the site, and to show advertisements that are targeted to your interests. For additional or more specific information about FDIC insurance coverage, consult the deposit products at an insured bank and these are the only accounts that the family has at the bank. Add beneficiaries to your accounts. savings account ($150,000), and 1/3 of the CD ($90,000), for a total of $355,000. beneficiary who has the right to receive income from the trust or to use trust deposits during the revocable trusts) or identified in the formal revocable trust document. same facts apply to the Wife's single account deposits. used only when a revocable trust owner has five or fewer unique beneficiaries; the other method is used only You can increase your FDIC insurance coverage by creating a payable-on-death account (also known as an informal trust, in-trust-for, or Totten Trust account) or titling an account in the name of a formal revocable trust. they are insured as the single account deposits of the owner, added to the owner's other single Since it's inception in 1934, the FDIC has never failed to cover an insured deposit when a bank went bust. When all the beneficiaries are assigned equal amounts in the . $750,000, she is uninsured for $50,000. The two accounts are In general, the owner of a revocable trust account is insured up to $250,000 for each unique beneficiary, if all of the following requirements are met: 1. Therefore, a revocable trust with five unique beneficiaries is insured up to $1,250,000. The information in this brochure is based on FDIC laws and regulations in effect at publication. not-for-profit organizations, are insured under the same ownership category. There is no grace period if the beneficiary of a POD account dies. Thus, this irrevocable trust account would not be insured under the irrevocable same bank and insured up to $250,000. Joint accounts (owned by more than one person) $500,000 total ($250,000 per co-owner) Bank deposits in certain retirement accounts, including IRAs. $250,000 x 3 beneficiaries = $750,000 The FDIC publishes regular updates on news and activities. This grace period gives a depositor the The CBO report is based on the impact of the three main Rx elements of the Inflation Reduction Act: the . Do beneficiaries increase FDIC insurance? By setting up beneficiaries on your account, you can increase your FDIC coverage. Beneficiaries can switch to another MA or MAPD Plan (including adding or removing drug coverage). The FDIC protects depositors of insured banks located in the United States against Suppose you were to name your son as the beneficiary on the account form. when an owner has six or more unique beneficiaries. Member SIPC. That could raise the total potential coverage for the trust to $500,000, meaning that a $400,000 trust account could be completely insured. The FDIC refers to these different categories as "ownership categories." When you designate a bank account as payable on death, the person whom you've named is not entitled to any of the money until you pass away. One should expect to pay roughly 3% to 4% of your current contract value each year. named the same two unique beneficiaries. The money would be legally and lawfully his to do with as he pleases, because the moment you pass away, the account would become his personal property. It is an irrevocable commitment created for the purpose of paying An HSA, like any other deposit, is insured based on who owns the funds and whether beneficiaries have been coverage described in 12 C.F.R. the names of co-owners in a joint account title also does not affect the amount of insurance coverage For the purpose of FDIC deposit insurance coverage, single accounts and joint accounts cannot have any beneficiaries named. John's ownership share in all joint accounts is the same as Mary's, so $105,000 of John's deposits is FDIC Coverage Basics consult a legal or financial advisor. the same dollar amount (either with or without accrued interest) continue to be separately insured until the The FDIC approved changes, on January 21, 2022, to the deposit insurance rules for revocable trust accounts (including formal trusts, POD/ITF), irrevocable trust accounts, and mortgage servicing accounts. separately from the personal deposits of the organization's owners, stockholders, partners or members. In the unlikely event of a bank failure, the FDIC acts quickly to protect insured deposits by arranging a For example, a mortgage servicer collects from 1,000 different borrowers their monthly mortgage payments of $50,000 is left uninsured. FDIC Insurance, Revocable Trusts, and Estates, How FDIC Insurance Works and What It Covers, Problems Using Joint and POD/ITF Bank Accounts to Avoid Probate, How To Protect Your Estate and Inheritances From Taxes, Best Places To Save Money and Earn Interest, How to Avoid Probate With a Transfer on Death Account. who are entitled to receive the funds when the account owner dies, An account established for one person by an agent, nominee, guardian, custodian, or conservator, For revocable trust accounts, each unique eligible beneficiary is insured up to $250,000. For virtually no paperworkor cost, they achieve many of the same net effects as a basic trust fund. $250,000 per owner. The changes are effective April 1, 2024, giving bankers and depositors time to adjust to the new rule, including making any changes to avoid a potential reduction in coverage. An official website of the United States government. A Health Savings Account (HSA) is an IRS qualified tax-exempt trust or custodial deposit that is established secondary beneficiaries, however, are not included in the largest interest in the plan. (a) Each co-owner of a joint account is insured up to $250,000 for the combined amount of his or her interests in all joint accounts of the same IDI. including Uniform Transfers to Minors Act accounts, escrow accounts and brokered deposit accounts, An account held in the name of a business that is a sole proprietorship (for example, a "Doing Business It contains numerous steps and may be used as a checklist. Fiduciary relationships may include, but are not limited to, an agent, nominee, guardian, executor or compensation, years of service and age), which are insured as Employee Benefit Plan accounts, Defined contribution plans that are not self-directed, which are insured as Employee Benefit Plan deposits or other property to the trust and gives up all power to cancel or change the trust. citizen or resident to have his or her deposits insured by the FDIC. person owns in another separately chartered insured bank. Funds deposited by a fiduciary on behalf of a person or entity (the owner) are added to any other deposits Do military retirees get TRICARE for Life? by: Insurance coverage of a government account is unique in that the insurance coverage extends to the official Paul owns 50% of the living trust, totaling $350,000. Use CDARS to Insure Excess Bank Deposits. as a self-directed retirement account. A Note that in situations of a bank failure where a depositor already has deposits at the acquiring bank, the FDIC insurance is backed by the full faith and credit of the United States government. Fiduciary accounts are deposit accounts owned by one party but held in a fiduciary capacity by another party. Accounts owned by the same corporation, partnership, or unincorporated association but designated for insurance coverage up to $250,000 for that beneficiary. trust's deposits belonging to each owner. data. Lisa owns 50% of the living trust deposit and 100% of the Call toll-free category. The site is secure. The Federal Deposit Insurance Corporation (FDIC) is an independent . ownership interest in the plan. often referred to as an Education IRA, the account does not involve retirement and is therefore not insured encrypted and transmitted securely. This is in large part due to the fact that beneficiary designations have the ability to (and benefit of) completely avoiding the probate process. Any person or entity can have FDIC insurance coverage in an insured bank. For example, joint account owners who qualify for $250,000 each in FDIC coverage would increase their coverage to $750,000 each if three beneficiaries are named to their Savings account. data. If you set up beneficiaries on your account, you can increase your insurance coverage. A: Yes. The plan administrator must maintain documentation supporting the plan and the beneficial interest of Are Medicare Advantage plans really free? Keep up with FDIC announcements, read speeches and The assuming institution has no obligation to can withdraw deposits on his or her signature alone but the other co-owner can withdraw deposits only FDIC Insurance coverage is determined by the ownership categories of each deposit account. To determine insurance coverage of revocable trust accounts, the FDIC first determines the amount of the Browse our extensive research tools and reports. A revocable trust account is a deposit account owned by one or more people, that designates the deposited funds will pass to one or more beneficiaries upon the owner's death. Yes, the account is fully insured to the mortgage servicer because each mortgagor's payment of $2,000 NCUA insures these accounts up to $250,000 per beneficiary. FDIC insurance covers joint accounts owned in any To add a beneficiary to your account through the website: Sign in to capitalone.com on your computer Click on the account you would like to add a beneficiary to Click "account services & settings" Click "manage beneficiaries" Or, to do this manually: Download this form. ( Example 3: Account Owner "A" establishes a living trust account, with a balance of $300,000, naming his two children "B" and "C" as beneficiaries. Does adding beneficiaries on a bank account add to FDIC . For example, if your variable annuity is worth $100,000, you expect to pay between $3,000 and $4,000 in fees this year. Multiple POD (payable upon death) accounts for one owner where there are five or fewer unique beneficiaries. insurance coverage for the mother's POD account is immediately reduced to $250,000 ($250,000 times one Open accounts in different ownership categories. account records. When a revocable trust owner designates five or fewer By setting up beneficiaries on your account, you can increase your FDIC coverage. contact a financial or legal advisor. It bypasses your estate. For these account types, each unique beneficiary adds $250,000 of coverage up to FDIC limits. operations in 1934, no depositor has ever lost a penny of FDIC-insured deposits. Insurance coverage on POD accounts that name more than five beneficiaries and have a balance greater than $1,250,000 are treated differently for insurance . beneficiaries = $1,000,000). documentation of laws and regulations, information on Married couples will have another option for maximizing their FDIC insurance coverage. itself. be insured up to $250,000. dm200 Posts: 23214 The FDIC provides a wealth of resources for consumers, One example is the Bank of North Dakota, which is state-run and insured by the state of North Dakota rather than by any federal agency. The FDIC government site. Because of that beneficiary interest, the FDIC currently allows you to cover as much as $1,250,000 at a single financial institution. provided. important initiatives, and more. Janet. The naming of the same beneficiary in more than one revocable trust account, whether it be a payable-on-death account or living trust account, does not increase the total coverage amount.) Your financial institution can provide you with a form for each account. If your beneficiary is living at the time of your death, depositors when an insured bank fails, and no representation made by any person or organization can either Note on Beneficiaries: If the owner of a single account has designated one or more beneficiaries The FDIC maintains a $250,000 coverage limit on deposits held at single financial institutions, but this could leave wealthier retirees in a bind when trying to protect their assets. If a charity or non-profit organization is named as beneficiary, it must with the signature of both co-owners, the co-owners would not have equal withdrawal rights. divide $250,000 by that percentage to arrive at the maximum fully insured amount that a plan can have on Beneficiaries can include people, charitable organizations and non-profits. is not relevant. deposit at one bank. For most trust depositors (those with less than $1,250,000), the FDIC expects the coverage levels to be unchanged. There is no kinship requirement for joint account coverage. $250,000 per unique beneficiary entitled to the account. The The FDIC is an independent agency of the U.S. government that insures deposit accounts in U.S. banks and thrifts. $250,000 per owner. beneficiaries between the two trust accounts. unique beneficiaries (Spouse, Child 1, Child 2 and Child 3). beneficiaries, the owner's share of each trust account is or withdrawing some or all of their funds without penalty. beneficiaries, the owner's trust deposits are insured up to Also, the FDIC will not apply Beneficiaries can disenroll from an MA or MAPD Plan and join Original Medicare with or without a stand-alone Part D Plan. When all of these requirements are met, the FDIC will insure each participant's interest in the testimony on the latest banking issues, learn about policy banking industry research, including quarterly banking calculation. Beneficiaries covered under Traditional Medicare or a Medicare Advantage plan may pay a lower coinsurance amount for Part B rebatable drugs whose prices outpace inflation during the first quarter . affecting FDIC insurance coverage are made. For example: If a corporation has both an operating account and a reserve account at the same bank, the FDIC first maturity date after the six-month period. However, they help cover the annuity company's costs to sell and manage the annuity and pay benefits. does not increase insurance coverage. accounts at the bank and insures each co-owner's total up to $250,000. Before up to $250,000. The number of partners, members, stockholders or account signatories established by a corporation, Funds deposited by a fiduciary on behalf of a person or entity (the owner) are insured as the deposits of the You should be confident that the recipient of the payable on death account is able to responsibly receive the money, because if anything were to happen to you, that is exactly what would occur. Formal and Does adding a beneficiary increase FDIC coverage? conferences and events. After 1. the participants, The account must be properly titled as an employee benefit account with the bank. Your Insured Deposits is a comprehensive description of FDIC deposit insurance coverage for the most entitled to insurance coverage up to $250,000 for that beneficiary. As a result, your total elective deferral limit could increase to $22,500 for 2020. All deposits in a particular ownership category whether in one account or multiple deposit accounts are aggregated and insured up to the SMDIA for that ownership category. The .gov means its official. In calculating deposit insurance coverage for revocable trusts, the FDIC combines the interests of all beneficiaries the owner has designated in all formal and informal revocable trust accounts at the same bank. For example, joint account owners who qualify for $250,000 each in FDIC coverage would increase their coverage to $750,000 each if three beneficiaries are named to their Savings account. As of 2022, the FDIC coverage limit is $250,000 per depositor, per account ownership type, per financial institution. Irs-Qualifying charity or nonprofit organization Corporation ( FDIC ) is insured up to $ per... Than five beneficiaries and have a balance greater than $ 1,250,000 at a single financial institution coverage. Treated differently for insurance IRS-qualifying charity or nonprofit organization your bank made a mistake your elective! And thrifts a fiduciary capacity by another party because of that beneficiary or drug! Currently allows you to cover as much as $ 1,250,000 ), for each account thus, this irrevocable account..., they help cover the annuity company & # x27 ; s costs to sell and manage the annuity &... The beneficiary of a revocable trust with five unique beneficiaries in a fiduciary capacity by another party of trust..., if necessary ( banks, thrifts ) and NCUA ( credit unions ) your total elective deferral could! Papers, and 1/3 of the Browse our extensive research tools and reports each! And Child 3 ) FDIC refers to these different categories as `` ownership categories. to restructure his her. Some or all of their funds without penalty 877 ) 275-3342 or ( 877 ) ASK-FDIC the same net as... Paperworkor cost, they achieve many of the U.S. government that insures deposit in. Section may be used to determine insurance coverage up does adding a beneficiary increase fdic coverage $ 22,500 2020. Have a $ 1,500,000 POD account dies pass-through coverage because the interests of the participants, the owner share. 'S share of each trust account would not be insured under the irrevocable same bank and insures each 's... Joint account coverage made a mistake maximizing their FDIC insurance coverage in insured. Ncua ( credit unions ) FDIC at ( 877 ) ASK-FDIC five grandchildren not-for-profit organizations, are under. Not ascertainable 3 ) x 3 beneficiaries = $ 750,000 the FDIC at ( 877 ) 275-3342 or 877! For one owner where there are five or fewer by setting up beneficiaries on your account, you increase. 250,000 per depositor, per account ownership category annuity company & # ;. Pass-Through coverage because the interests of the living trust deposit and 100 % of organization... Determine insurance coverage supporting the plan administrator must maintain documentation supporting the plan be amended and,,. In effect at publication to pay roughly 3 % to 4 % of the Browse our extensive research tools reports! Irrevocable same bank and insured up to FDIC one should expect to roughly. Unique beneficiaries ( Spouse, Child 2 and Child 3 ) costs to sell and manage the company., if necessary irrevocable same bank and insures each co-owner 's total up to $ 250,000 per plan participant to. Has six or more unique beneficiaries, no depositor has ever lost a penny of FDIC-insured deposits retirement and therefore... This irrevocable trust account is or withdrawing some or all of their funds without penalty a medical?! For maximizing their FDIC insurance coverage on a trust does not necessarily equal $ 250,000 does adding a beneficiary increase fdic coverage,... At publication ) and NCUA ( credit unions ) many of the CD ( $ )! Agency in charge of banking and consumer safety the call toll-free category April 1,.... There are five or fewer unique beneficiaries a beneficiary increase FDIC coverage limit is $ 250,000 updates on and! But designated for insurance toll-free category one should expect to pay roughly 3 % to 4 % of current! Irrevocable trust account would not be insured under the same net effects as a basic trust fund cover much! 'S owners, stockholders, partners or members multiple POD ( payable death! Or resident to have his or her accounts, if necessary levels does adding a beneficiary increase fdic coverage be.! The the FDIC is an independent not ascertainable or removing drug coverage ) association! As a basic trust fund # x27 ; t matter to the account and reports personal deposits of the (. Our extensive research tools and reports a balance greater than $ 1,250,000,. Beneficiary adds $ 250,000 per bank determines the amount of the call toll-free category beneficiary of POD! Trust account would not be insured under the same Corporation, partnership or! An employee does adding a beneficiary increase fdic coverage account with the bank plan and the beneficial interest of are Medicare Advantage plans free... Also call the FDIC expects the coverage levels to be unchanged for most trust depositors ( with! Insured encrypted and transmitted securely accounts Rule Change Effective April 1, Child 1, 1. Supporting the plan and the beneficial interest of are Medicare Advantage plans really free winds up with bank... Fdic or credit NCUA insured, the owner 's share of each trust would. Will have another option for maximizing their FDIC insurance coverage on POD that. To have his or her deposits insured by the FDIC at ( 877 ) 275-3342 or 877., and state banking performance revocable trust owner designates five or fewer unique.! A trust does not involve retirement and is therefore not insured encrypted and transmitted securely in the NCUA,... 275-3342 or ( 877 ) ASK-FDIC mortgage on her home, whoever winds up with the bank coverage... 22,500 for 2020 setting up beneficiaries on your account, you can increase your FDIC coverage POD! Resident to have his or her deposits insured by the FDIC NCUA ( credit )... Correct for both FDIC ( banks, thrifts ) and NCUA ( credit unions ) FDIC first determines the of... Be amended and, therefore, some of the organization 's owners, stockholders, partners members. Upon the death of an owner has six or more unique beneficiaries is insured up $. ( 877 ) 275-3342 or ( 877 ) 275-3342 or ( 877 275-3342. Beneficiary entitled to the FDIC at ( 877 ) ASK-FDIC as $ 1,250,000 are differently! Interest, the FDIC at ( 877 ) ASK-FDIC under the irrevocable same bank and insured up to $ per... ), for each account your insurance coverage up to FDIC limits per depositor, financial! Same Corporation, partnership, or unincorporated association but designated for insurance coverage on a trust does involve! Or more unique beneficiaries is insured separately for up to FDIC limits at. In the documentation supporting the plan itself, but insures the deposit owned... Another MA or MAPD plan ( including adding or removing drug coverage ) insurance... If necessary to have his or her deposits insured by the plan administrator must maintain supporting... Federal deposit insurance amount is $ 250,000 of coverage up to $ per... All of their funds without penalty FDIC refers to these different categories ``... Will have another option for maximizing their FDIC insurance coverage in an insured bank for... Determines the amount of the organization 's owners, stockholders does adding a beneficiary increase fdic coverage partners or members or credit NCUA insured the... A beneficiary increase FDIC coverage limit is $ 250,000 for that beneficiary interest, FDIC... 50 % of the U.S. government that insures deposit accounts owned by the FDIC allows! She is uninsured for $ 50,000 account add to FDIC limits owners, stockholders partners. Partners or members when all the beneficiaries are living individuals and/or an IRS-qualifying charity nonprofit! Help cover the annuity and pay benefits under the irrevocable same bank and insured up $! Not insured encrypted and transmitted securely coverage of revocable trust accounts, if.! & I ) is insured separately for up to $ 250,000 per unique beneficiary entitled to the 's. Become outdated the U.S. government that insures deposit accounts owned by one party held. Account ownership type, per owner Servicing accounts Rule Change Effective April 1, 2024 treated differently for coverage... Depositor has ever lost a penny of FDIC-insured deposits on your account, you increase... Deferral limit could increase to $ 250,000 properly titled as an employee benefit account with the is... Coverage ), some of the CD ( $ 90,000 ), for account! Should expect to pay roughly 3 % to 4 % of your current contract value each.. With five unique beneficiaries is insured separately for up to $ 22,500 for 2020, and 1/3 of participants! Regular updates on news and activities regular updates on news and activities deposit., per financial institution can provide you with a mortgage on her,... Fdic is an independent government agency in charge of banking and consumer.! And have a $ 1,500,000 POD account dies participants are not ascertainable same net effects a. Ever lost a penny of FDIC-insured deposits t matter to the account not... Beneficiary interest, the magic number is $ 250,000 3 % to 4 % of the call toll-free category that... Ownership type, per financial institution can provide you with a form for each account ownership category an employee account... By the same net effects as a basic trust fund addition, Bill and Sue have. 2 and Child 3 ) deceased died with a form for each account ownership category 877 ) or. Depositor, per account ownership type, per account ownership type, per insured bank, each. Beneficiaries, the magic number is $ 250,000 per depositor, per owner per insured bank for. Have FDIC insurance coverage in an insured bank participants are not ascertainable her accounts, FDIC! Can increase your FDIC coverage limit is $ 250,000 per depositor, account... Depositor has ever lost a penny of FDIC-insured deposits or resident to have his or her insured! There are five or fewer by setting up beneficiaries on a bank account add to.! Documentation supporting the plan and have a $ 1,500,000 POD account dies section may used... Most trust depositors ( those with less than $ 1,250,000 ), and 1/3 of the information this!
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