THE HAGUE, Netherlands, August 10, 2017 /PRNewswire/ —
Significant strengtheningof Dutch basic position
Group solvency arrangement increases by 28%-points to 185%
Net assets of EUR 529 millionsupported by accretion accompanying to denial
Strongsales and bigger margins
Statement of Alex Wynaendts, CEO
“Aegon’s additional division after-effects are strong, and reflect the connected absolute drive in our businesses and banking markets, as able-bodied as the anniversary from bulk savings. I’m admiring that administration accomplishments are accepting the adapted effect, decidedly the apparent advance in the advantage of our US business. This improvement, calm with the book accretion accompanying to the denial of the majority of our US run-off business and accompanying acquired positions, supports net assets of 529 actor euro for the quarter.
“Today, we are additionally announcement a ambit of measures that decidedly access our solvency ratio, including a basic bang of 1 billion euro in Aegon the Netherlands and acceding with our regulator on a cardinal of outstanding solvency-related topics. These measures, calm with the afresh appear cardinal divestments, access our banking flexibility, strengthen our basic position and advance the angle for basic bearing – all of which accord us aplomb in our adeptness to acknowledgment 2.1 billion euro to shareholders over the aeon 2016 to 2018.”
Note: All comparisons in this absolution are adjoin the additional division of 2016, unless declared otherwise.
Details on deepening of basic position
Significant access of Dutch basic ratio
The Solvency II arrangement of Aegon the Netherlands is accepted to access from 144% on June 30, 2017 to ~175% on a pro forma base absorption a EUR 1 billion basic bang from the accumulation in the third division of 2017, the afresh appear auction of Unirobe Meeùs Groep (UMG), and blow contour enhancements. This will accredit the Dutch business to focus on active its activity in acclimation to abound approaching basic generation.
Strong banknote flows to the captivation accommodate Aegon with the banking adaptability to inject basic into its Dutch business. These banknote flows will appear in the anatomy of assets upstreamed by the business units and accretion from divestments in the additional bisected of 2017 which are accountable to accepted authoritative approval. The aggregation affairs to affair EUR 500 million 1-year chief addendum in the third division of 2017 to prefund the accepted banknote inflows in acclimation to inject the abounding EUR 1 billion into the Dutch business by September 30, 2017.
After all-encompassing discussions with the Dutch Axial Coffer (DNB), Aegon has additionally bound a cardinal of outstanding abstruse affairs with anniversary to its fractional centralized model. Afterward acceding on the estimation of DNB’s admonition on the blow arresting accommodation of deferred taxes (LAC-DT), Aegon set the LAC-DT agency in the Netherlands at 75% at June 30, 2017. The LAC-DT agency will be affected on a anniversary base appliance the agreed methodology.
The Solvency II arrangement of Aegon the Netherlands is accepted to be able-bodied aural the adapted appetite ambit of 150-190% by anniversary 2017. As a aftereffect of the advance in its basic arrangement and the closing of accepted abstruse discussions with DNB, the Dutch business is accepted to be in a position to resume allotment payments to the group. Aegon the Netherlands intends to pay a 2017 allotment of EUR 100 actor in the aboriginal bisected of 2018, accountable to bazaar altitude and approved babyminding in band with its basic administration policy. Thereafter, Aegon the Netherlands will resume a arrangement of acting and final dividends.
Amendment of US about-face methodology
Aegon has additionally acquired approval from DNB to alter the about-face alignment for its US business beneath Solvency II. This alignment is connected with EIOPA’s admonition on how to anniversary accumulation solvency in the ambience of equivalence. It includes blurred of the about-face agency from 250% to 150% RBC and abbreviation own funds by 100% RBC claim to reflect transferability restrictions. The alignment is accountable to anniversary review. The change in alignment leads to an access in Aegon’s accumulation solvency arrangement by 15%-points, enhances allegory with European aeon and improves the affection of capital. Beneath the new alignment belted and complete tier-1 basic as a allotment of the Solvency Basic Claim access significantly.
Updated solvency appetite ranges
Including the anniversary from the adapted about-face methodology, the accumulation solvency arrangement amounts to 185% as of June 30, 2017. This is able-bodied aural the new accumulation appetite ambit of 150-200%. The change compared with the old appetite ambit of 140-170% reflects the alteration of the about-face alignment for Aegon’s US business, and the adapted Solvency II appetite ranges for both the Netherlands (150-190%) and the United Kingdom (145-185%). The added appetite ranges for the Netherlands and the United Kingdom are allotment of the company’s new basic administration policy. Aegon absitively to alter its basic administration activity for its operating entities to assure the beheading of the strategy, basic bearing and dividends.
Aegon’s appetite is to be a trusted accomplice for banking solutions at every date of life, and to be accustomed by its customers, business ally and association as a aggregation that puts the interests of its barter aboriginal in aggregate it does. In addition, Aegon wants to be admired by its advisers as an employer of choice, agreeable and enabling them to succeed. This appetite is accurate by four cardinal objectives anchored in all Aegon businesses: Optimized portfolio, Operational excellence, Chump loyalty, and Empowered employees.
Aegon accelerated the beheading of its activity by announcement three divestments in the accomplished three months. The affairs access Aegon’s banking adaptability by absolution over EUR 1 billion of basic and by acceptable Aegon’s accumulation solvency arrangement by about 10%-points.
In the United States, Aegon completed the denial of its two bigger US run-off businesses – the payout accomplishment business and the Coffer Owned / Accumulated Owned Activity Allowance (BOLI/COLI) business – to Wilton Re in the additional quarter. Through the transaction Aegon has accomplished its cold to abate the bulk of basic allocated to its run-off businesses by USD 1 billion afore the end of 2018. The denial and accompanying administration accomplishments are accepted to aftereffect in a basic absolution of about USD 700 actor in 2017. This basic absolution is accepted to accession Aegon’s accumulation solvency arrangement by about 6%-points, of which 5%-points were accomplished in the additional division of 2017.
The denial of these run-off businesses resulted in a post-tax book accretion of USD 161 actor (EUR 149 million). Admitting the reinsurance transaction itself resulted in a book loss, the all-embracing aftereffect additionally includes a USD 493 actor (EUR 456 million) post-tax absolution of deferred assets accompanying to the adjournment of barrier accounting for assertive banknote breeze hedges associated with the payout accomplishment block. Consecutive to closing the transaction on June 28, 2017, as allotment of its additional division 2017 closing process, administration assured to abandon the barrier accounting analysis for ahead bankrupt advanced starting swaps that were affiliated to the assets transferred or awash as allotment of this divestment. As a aftereffect of the adjournment of barrier accounting treatment, the deferred assets accept been recycled from revaluation affluence to added income.
On August 8, Aegon appear the auction of UMG to Aon Groep Nederland for EUR 295 million. UMG is a top-3 absolute banking advising accumulation in the Netherlands, which provides admonition and allowance articles to both retail and broad customers. This transaction allows the aggregation to focus on those businesses that are bulk to its strategy. The denial is accepted to aftereffect in an access of Solvency II basic of about EUR 225 million, which will be retained in Aegon the Netherlands. This will advance the accumulation solvency arrangement by an estimated 2.5%-points. The transaction will advance to a book accretion of about EUR 180 actor aloft closing, which will be appear in Added assets at the time of closing.
On August 10, Aegon appear the auction of Aegon Ireland plc to AGER Bermuda Captivation Ltd., the captivation aggregation of the European operations of Athene Captivation Ltd. This transaction will added optimize Aegon’s portfolio of businesses and access its banking flexibility. The accretion from the denial of Aegon Ireland, a provider of assemblage affiliated agreement and adopted band articles predominantly in the United Kingdom, will be 81% of the Own Funds at the end of 2017. Solvency II Own Funds of Aegon Ireland were about GBP 200 actor (EUR 220 million) per June 30, 2017. Aegon’s accumulation solvency arrangement is estimated to advance by about 2% as a aftereffect of the transaction. Based on the book bulk at June 30, 2017, the book blow from this transaction is accepted to bulk to about GBP 115 actor (EUR 125 million), accountable to assertive closing and bazaar conditions, and will be appear in Added charges.
Furthermore, on June 30, 2017, Aegon additionally completed the Rothesay Allotment VII alteration accompanying to the denial of the UK accomplishment book as appear aftermost year. The achievement led to a 2%-points boost of the accumulation solvency ratio. Aegon expects to complete the Acknowledged & Accepted Allotment VII alteration accompanying to the denial of the accomplishment book in the additional bisected of 2017.
Kames Capital, Aegon’s asset administration business in the UK, was called Property Manager of the Year at the 2017 UK Pensions Awards. These celebrated awards admit the accomplished levels of innovation, achievement and anniversary to alimony schemes and their members. The board advised a ambit of factors, including authoritative strength, advance performance, accession and applicant services. Kames was additionally short-listed for Anchored Assets Manager of the Year, demonstrating their accreditation beyond a ambit of asset classes.
Transamerica, Aegon’s US subsidiary, appear the arrangement of Scott Ramey to Head of Abode Solutions. In this new role, Mr. Ramey will baby-sit Transamerica’s absolute abode anniversary archetypal that integrates worksite, autonomous allowances and retirement affairs into one chip application. Through Abode Solutions administration can activity their advisers autonomous opt-in benefits, such as a first-of-its-kind hospital apology allowance activity Transamerica Provider SelectSM, which accommodate bifold banknote allowances back employees’ hospital affliction is accustomed at a analysis centermost appointed by the employer. In addition, Abode Solutions enables administration to activity advisers added bloom policies, abiding affliction allowance and retirement plans.
Addressing customers’ admiration for simplicity, adaptability and amount adeptness in their retirement planning, Transamerica has added the Transamerica Assets EdgeSM active anniversary rider, and launched two new lower amount advance options. Transamerica Assets Edge is a active anniversary accession accessible with best Transamerica capricious annuities, the aim of which is to accredit individuals to finer plan their retirement. Changes to the accession accommodate a fee reduction, calm with a abridgement in the cat-and-mouse aeon from bristles to three years afore which barter are acceptable to alpha accepting a college active anniversary abandonment percentage. In addition, Transamerica launched both an all-embracing and calm base portfolio accessible for Transamerica Assets Edge.
In the Netherlands, Aegon rolled-out a new adaptation of its chump app Mijn Aegon (My Aegon). The app, which is currently acclimated by added than 150,000 Aegon barter and amenable for 35% of all self-service affairs conducted online, has been added to accommodate an alike bigger anniversary to its users. Mijn Aegon underwent all-encompassing testing with barter in Aegon’s Chump Acquaintance (CX) center, and now boasts several key affection updates. These accommodate a new architecture that provides a added automatic aeronautics experience, reduces advice to alone that which is best accordant for the users and an activity on to bound adapt anniversary information. Furthermore, the new app was advised on a new abstruse belvedere that will acquiesce Aegon to add new self-service functionality faster and easier in the future, with the aim to accommodate barter with an alike bigger service.
Aegon captivated the aboriginal of two Hackathons for 2017, with the affair of ‘Customer Centricity: barter at the affection of our decision-making’. Consisting of twelve teams from Aegon’s offices about the world, colleagues formed calm to transform their anniversary into anatomic prototypes aural 24 hours. The Hackathons enabled advisers to assignment beyond countries, disciplines and anatomic lines, and allotment their adroitness and to advertise their abilities and adeptness in aggregate from coding to finance. Afterwards 24 hours, anniversary aggregation pitched their abstraction to an all-embracing board of Aegon managers. Bristles anniversary in absolute accept been called for added analysis by assorted country units aural Aegon.
Underlying antithesis afore taxAegon’s basal antithesis afore tax added by 23% compared with the additional division of 2016 to EUR 535 million. The access was abundantly apprenticed by a cogent advance in underwriting after-effects in all regions, and college fee income. This added than anniversary lower advance assets and added captivation expenses. Adverse claims acquaintance and abrogating ancient items totaled EUR 15 million in the additional division of 2017.
Underlying antithesis from the Americas added by 26% to EUR 341 million, mainly apprenticed by college fee acquirement from favorable disinterestedness markets and bigger claims experience. The closing reflects the anniversary from administration accomplishments as allotment of the bristles allotment plan aimed at convalescent advantage in the activity & bloom businesses. Claims acquaintance bigger by EUR 35 million compared with the aforementioned division aftermost year, although it remained EUR 11 actor beneath aggregation expectations. The accepted division additionally included a EUR 15 actor abrogating acclimation to abstract assets from lower reinvestment yields.
Underlying antithesis from Aegon’s operations in Europe added by 21% to EUR 195 million. College fee assets due to favorable disinterestedness markets, an advance in non-life after-effects and EUR 11 actor absolute ancient items added than anniversary lower advance assets in the Netherlands due to prepayments and absorption amount resets on mortgages.
Aegon’s basal antithesis in Asia added from EUR 1 actor to EUR 11 million. This access was apprenticed by college antithesis from the Aerial Net Worth (HNW) businesses and China, primarily as a aftereffect of business advance and favorable persistency.
Underlying antithesis from Aegon Asset Administration beneath by 14% to EUR 32 million, as lower costs were added than anniversary by lower administration fees from lower asset balances.
The aftereffect from the captivation beneath by EUR 10 actor to a blow of EUR 43 actor partly apprenticed by college project-related costs and a absolute ancient anniversary in the aforementioned division aftermost year.
Net assets amounted to EUR 529 actor in the additional division compared with a blow of EUR 385 actor aftermost year. The accepted division after-effects benefited from a accretion accompanying to the denial of the majority of the US run-off businesses, while aftermost year’s after-effects included a book blow on the accomplishment denial in the United Kingdom.
Fair bulk items
The blow from fair bulk items amounted to EUR 191 million, as adverse acclaim advance movements in the Netherlands and the United States, and abrogating fair bulk changes on hedges in abode to assure Aegon’s basic position added than anniversary absolute absolute acreage revaluations in the Netherlands.
Realized assets on investments
Realized assets totaled EUR 111 million, and were mainly accompanying to the auction of accumulated bonds in the Netherlands to advance the blow contour of the accepted anniversary advance portfolio.
Impairment chargesNet recoveries amounted to EUR 2 actor and reflect the connected amiable acclaim environment.
Other assets Other assets of EUR 291 actor was mainly apprenticed by a EUR 231 actor pre-tax accretion on the transaction with Wilton Re to bankrupt the majority of the run-off businesses in the United States, which bankrupt on June 28, 2017. Admitting the reinsurance transaction itself resulted in a book loss, the all-embracing aftereffect additionally includes a EUR 706 actor pre-tax absolution of deferred assets accompanying to the adjournment of barrier accounting for assertive banknote breeze hedges associated with the payout accomplishment block. Consecutive to closing the transaction on June 28, 2017, as allotment of its additional division 2017 closing process, administration assured to abandon the barrier accounting analysis for ahead bankrupt advanced starting swaps that were affiliated to the assets transferred or awash as allotment of this divestment. As a aftereffect of the adjournment of barrier accounting treatment, the deferred assets accept been recycled from revaluation affluence to added income. In addition, there was a fractional absolution of the bulk assets of EUR 82 actor in the United Kingdom in affiliation to the denial of the UK accomplishment business, in band with antecedent guidance.
Run-off businessesThe after-effects from run-off businesses bisected to EUR 10 actor due to the denial of the majority of the run-off businesses, which were derecognized as of this quarter.
Income taxIncome tax amounted to EUR 228 million, which implies an able tax amount for the additional division of 30%. The able tax amount on basal antithesis was 27%.
Return on equity
Return on disinterestedness added by 160 base credibility compared with the aforementioned division aftermost year to 8.4%, as a aftereffect of bigger basal earnings.
Operating costs added by 8% compared with the additional division of 2016 to EUR 1.0 billion, as a aftereffect of acquisitions in the United Kingdom and an access in affiliation and restructuring expenses. Excluding the appulse from these acquisitions, and affiliation and restructuring charges, operating costs added by 1% on a connected bill basis. Aegon targets to apparatus EUR 350 actor of bulk accumulation by anniversary 2018 as allotment of its affairs to adeptness a 10% acknowledgment on disinterestedness by the end of 2018. Initiatives to abate costs accept so far led to anniversary run-rate bulk accumulation of about EUR 160 million.
Aegon’s absolute sales added by 42% to EUR 3.9 billion in the additional division of 2017. This was mainly the aftereffect of an access in gross deposits by 52% to EUR 34.8 billion. The access was primarily apprenticed by able institutional belvedere sales in the United Kingdom, which can fluctuate. In addition, asset administration gross deposits added as a aftereffect of college gross inflows in the Americas and the Netherlands. Net deposits amounted to EUR 2.3 billion and were mainly apprenticed by inflows in asset administration and on Aegon’s belvedere in the United Kingdom. These added than anniversary net outflows in the Americas as a aftereffect of arrangement discontinuances in the business acquired from Mercer.
New activity sales beneath by 8% to EUR 224 million. Lower appellation activity and indexed accepted activity sales in the United States, and lower sales afterward the avenue from UK annuities were partly anniversary by able sales in Asia as a aftereffect of connected able analytical affliction sales in China. New exceptional assembly for blow & bloom and accepted allowance added by 2% to EUR 230 actor due to favorable bill movements. On a connected bill base the exceptional assembly was abiding beyond all segments.
Market connected bulk of new business
The bazaar connected bulk of new business (MCVNB) added by 35% to EUR 134 million. The anniversary from college absorption ante and able sales in China added than anniversary the exclusion of mortgage sales from the MCVNB adding and the avenue from UK annuities.
Revenue-generating investments were bottomward by 4% during the division to EUR 817 billion. This abatement was primarily apprenticed by adverse bill movements and the denial of the majority of the US run-off business, which added than anniversary net inflows and favorable disinterestedness bazaar movements.
Capital managementShareholders’ disinterestedness amounted to EUR 20.4 billion on June 30, 2017. The abatement of EUR 1.1 billion compared with the aboriginal division was mainly apprenticed by abortive bill movements and the appulse of the reinsurance transaction with Wilton Re, which added than anniversary the absolute appulse of bazaar movements on revaluation reserves. Shareholders’ equity, excluding revaluation affluence and authentic anniversary plan remeasurements, decreased by EUR 0.5 billion to EUR 17.1 billion – or EUR 8.21 per accepted allotment – at the end of the additional quarter, as abortive bill movements added than anniversary by retained earnings. The gross advantage arrangement remained abiding at 29.4% as retained antithesis were anniversary by adverse bill movements.
Holding antithesis basic added by EUR 0.3 billion to EUR 1.7 billion, of which EUR 500 actor was acclimated on July 18, 2017 to redeem EUR 500 actor chief apart notes. The access was mainly apprenticed by a EUR 365 actor approved acting allotment from the United States, EUR 30 actor approved assets from Axial & Eastern Europe (CEE), and a EUR 176 actor appropriate allotment from Asia, which were alone partly anniversary by allotment and operating costs as able-bodied as the acquittal of the banknote allocation of the final 2016 dividend.
Capital generationCapital bearing of the operating units amounted to EUR 0.6 billion for the quarter. Bazaar impacts and ancient items amounted to EUR 0.3 billion, and mainly accompanying to derisking of the accepted anniversary in the Netherlands and lower basic requirements for disinterestedness blow in the United Kingdom as a aftereffect of hedges put in abode to assure fee income. Basic bearing of the operating units excluding bazaar impacts and ancient items amounted to EUR 0.3 billion in the additional division of 2017.
Solvency II ratio
Aegon has acquired approval from DNB to alter the about-face alignment for its US business beneath Solvency II. It includes blurred of the about-face agency from 250% to 150% RBC and abbreviation own funds by 100% RBC claim to reflect transferability restrictions. The alignment is accountable to anniversary review. The change in alignment enhances allegory with European peers, leads to an access in Aegon’s accumulation solvency arrangement by 15%-points, and improves the affection of capital.
On a commensurable basis, the accumulation solvency arrangement added by 13%-points this division mainly as a aftereffect of the denial of the majority of the US run-off businesses ( 5%), the achievement of the Rothesay Allotment VII alteration accompanying to the denial of the UK accomplishment book ( 2%), and basic bearing including bazaar impacts and ancient items ( 6%). Including the change in about-face alignment for the US, this brings Aegon’s accumulation solvency arrangement to 185% per the end of the additional quarter.
The estimated bounded solvency ratios of Aegon’s basic units as of June 30, 2017 were:
Aegon aims to pay out a acceptable allotment to acquiesce disinterestedness investors to allotment in Aegon’s performance, which can abound over time if Aegon’s achievement so allows. The 2017 acting allotment amounts to EUR 0.13 per accepted share. The acting allotment will be paid in banknote or banal at the acclamation of the shareholder. The bulk of the banal allotment will be about according to the banknote dividend. Aegon intends to abrogate the dilutive aftereffect of the final 2016 and acting 2017 banal allotment on antithesis per allotment in the fourth division of this year, barring abrupt circumstances.
Aegon’s Euronext-listed shares will be quoted ex-dividend on August 18, 2017, and its NYSE-listed shares will be quoted ex-dividend on August 17, 2017. The almanac date is August 21, 2017. The acclamation aeon for shareholders will run from August 23 up to and including September 8, 2017. The banal atom will be based on the boilerplate allotment amount on Euronext Amsterdam, appliance the aerial and low of anniversary of the bristles trading canicule from September 4 through September 8, 2017. The banal allotment arrangement will be appear on September 13, 2017 and the allotment will be payable as of September 15, 2017.
Full adaptation columnist releaseUse this articulation for the adaptation of the columnist release
The appointment alarm presentation is accessible on aegon.com as of 7.30 a.m. CET.
Aegon’s 2Q 2017 Banking Supplement and Condensed Consolidated Acting Banking Statementsare accessible on aegon.com.
Conference alarm including Q&A
9:00 a.m. CET
Audio webcast on aegon.com
United States: 1 719 325 4756United Kingdom: 44 330 336 9105The Netherlands: 31 20 721 9251
Two hours afterwards the appointment call, a epitomize will be accessible on aegon.com.
Cautionary agenda apropos non-IFRS measures
This certificate includes the afterward non-IFRS-EU banking measures: basal antithesis afore tax, assets tax, assets afore tax, bazaar connected bulk of new business and acknowledgment on equity. These non-IFRS-EU measures are affected by accumulation on a commensurable base Aegon’s collective ventures and associated companies. The adaptation of these measures, except for bazaar connected bulk of new business, to the best commensurable IFRS-EU admeasurement is provided in agenda 3 ‘Segment information’ of Aegon’s Condensed Consolidated Acting Banking Statements. Bazaar connected bulk of new business is not based on IFRS-EU, which are acclimated to address Aegon’s primary banking statements and should not be beheld as a acting for IFRS-EU banking measures. Aegon may ascertain and anniversary bazaar connected bulk of new business abnormally than added companies. Acknowledgment on disinterestedness is a arrangement appliance a non-IFRS-EU admeasurement and is affected by adding the net basal antithesis afterwards amount of advantage by the boilerplate shareholders’ equity, the revaluation assets and the affluence accompanying to authentic anniversary plans. Aegon believes that these non-IFRS-EU measures, calm with the IFRS-EU information, accommodate allusive advice about the basal operating after-effects of Aegon’s business including acumen into the banking measures that chief administration uses in managing the business.
Local currencies and connected bill barter rates
This certificate contains assertive advice about Aegon’s results, banking activity and acquirement breeding investments presented in USD for the Americas and Asia, and in GBP for the United Kingdom, because those businesses accomplish and are managed primarily in those currencies. Assertive allusive advice presented on a connected bill base eliminates the furnishings of changes in bill barter rates. None of this advice is a acting for or above to banking advice about Aegon presented in EUR, which is the bill of Aegon’s primary banking statements.
The statements independent in this certificate that are not actual facts are advanced statements as authentic in the US Clandestine Balance Litigation Reform Act of 1995. The afterward are words that analyze such advanced statements: aim, believe, estimate, target, intend, may, expect, anticipate, predict, project, counting on, plan, continue, want, forecast, goal, should, would, is confident, will, and agnate expressions as they chronicle to Aegon. These statements are not guarantees of approaching achievement and absorb risks, uncertainties and assumptions that are difficult to predict. Aegon undertakes no obligation to about alter or alter any advanced statements. Readers are cautioned not to abode disproportionate assurance on these advanced statements, which alone reflect aggregation expectations at the time of writing. Actual after-effects may alter materially from expectations conveyed in advanced statements due to changes acquired by assorted risks and uncertainties. Such risks and uncertainties accommodate but are not bound to the following:
Further capacity of abeyant risks and uncertainties affecting Aegon are declared in its filings with the Netherlands Authority for the Banking Markets and the US Balance and Barter Commission, including the Anniversary Report. These advanced statements allege alone as of the date of this document. Except as appropriate by any applicative law or regulation, Aegon especially disclaims any obligation or adventure to absolution about any updates or revisions to any advanced statements independent herein to reflect any change in Aegon’s expectations with attention thereto or any change in events, altitude or affairs on which any such account is based.
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