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HOA Insights: Common Sense for Common Areas

HOA Insights: Common Sense for Common Areas

Hosted by Hosts: Robert Nordlund, Kevin Davis, Julie Adamen

Episodes

162

Latest episode

Jun 2026

Language

EN-US

About the show

We exist to help all 2 million volunteer HOA Boardmembers nationwide have the right information at the right time to make the right decisions for the future of their community association. Stay with us weekly for actionable insights that minimize stress, avoid catastrophes, and protect property values! Watch On Youtube Shop! HOA insights now has its very own merch store! Our team has whipped up some hats, mugs, T-Shirts, & more that we think Volunteer HOA Boardmembers are gonna love. We also offer dozens of FREE zoom backgrounds. Available in our Boardmember Merch Store! Support Our Sponsors Association Insights & Marketplace Association Reserves Community Financials Kevin Davis Insurance Services Stoke Light Video & Marketing The Inspectors of Election

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June 15, 2026Episode 16238 min

162 | Handle Conflict at HOA Board Meetings WITHOUT The Drama

Send us Fan MailThe best HOA board meetings handle disagreement without creating division or drama. Learn how to handle conflict!✅ Is a Reserve Study right for you? 👉 https://www.reservestudy.com/I'm here today for episode number 162 with a special guest appearing on the program for a second time. You heard him previously on our episode number seven early in the podcast, because we felt that what he had to say to our board member audience was foundational, you could say fundamental to safely and successfully guiding your association into the future, so with us today is Jim Slaughter. He's president of law firm Carolinas, which practices throughout Northern South Carolina. He regularly speaks on issues of real estate and community association law, and has written hundreds of HOA and condo articles. He's passed national president of CAI’S College of Community Association Lawyers, as well as the North Carolina chapter of the CAI Institute Community Associations Institute, but in addition, he's here today because he's a certified professional parliamentarian, he's a teacher, professional registered parliamentarian and past president of the American College of Parliamentary Lawyers. He served as a parliamentarian to more organizations than anyone, any you or I want to count, and they range from small HOA boards to annual meetings of 8000 delegates. Jim has written four books on running effective meetings, and today he’s with us to help you have success running orderly HOA board meetings that frames your association in a positive light.Chapters:00:00 Why should HOA board meetings sometimes become more formal?00:57 Who is Jim Slaughter and why does his experience matter?05:00 Do HOA boards really need to follow Robert’s Rules?06:07 How formal should small HOA board meetings actually be?07:18 Why do larger HOA meetings require more structure?09:43 How can small boards stay casual but still professional?11:05 What rights do homeowners have during board meetings?13:54 How can unanimous consent speed up meetings?15:58 Why do good agendas make meetings easier to manage?17:32 What should HOA meeting minutes actually include?19:21 How can chairs clearly guide motions and voting?21:37 Why does a calm chair create better meetings?22:41 How do HOA boards handle disruptive members?24:30 Ad Break - Community Financials25:20 When should a board become more formal during conflict?28:09 Should HOA rules change because of difficult personalities?30:02 How should chairs respond to disruptive behavior?31:12 Why is de-escalation better than confrontation?32:06 When should HOA meetings use security presence?33:55 Why do homeowners behave better in fair meetings?34:07 How should board members handle disagreements professionally?35:57 Can avoiding meetings become a fiduciary issue?36:28 What final advice helps HOA boards run successful meetings?The views & opinions expressed in this program are those of the Hosts & Guests, intended to provide general education about the community association industry. The content is not intended to provide specific advice or recommendations for any individual or organization.Podcast Links:Full Episode ListWatch On YoutubeEngage in the conversation!Call our 24/7 voicemail line at (805) 203-3130 or send an email or voice memo to podcast@reservestudy.comNominate yourself or a Board Hero you Know!Board Hero NominationsBoardmember Merch Store!Connect with Hosts on LinkedInJulie AdamenKevin Davis, CIRMSRobert Nordlund, PESupport Our SponsorsAssociation Insights & MarketplaceAssociation ReservesCommunity FinancialsKevin Davis Insurance ServicesStoke Light Video & MarketingThe Inspectors of Election

June 8, 2026Episode 16135 min

161 | HOA Building Maintenance Tips to Avoid the Next BIG Disaster!

Send us Fan MailLearn the top HOA building maintenance tips that will help your board spot the dangers early and avoid costly structural repairs!✅ Is a Reserve Study right for you? 👉 https://www.reservestudy.com/What can HOA boards do today to prevent tomorrow's building disasters? In this episode, engineering expert Greg Batista of G. Batista Engineering & Construction shares practical HOA building maintenance strategies, including painting, waterproofing, concrete repair, maintenance logs, crack monitoring, and proactive inspections. See how these early action steps can reduce costs, improve safety, and help associations avoid major structural issues.Chapters:00:00 What happens when HOA building problems get ignored?02:35 Where can HOA board members find resources?03:45 What maintenance systems help HOAs track building issues?06:25 Are most HOA service companies proactive with maintenance?07:43 Why should HOAs start building maintenance planning early?09:23 Can basic maintenance technology help HOAs catch problems early?10:05 Why is this one of the best HOA building maintenance investments?11:22 How does familiarity blindness affect HOAs?13:24 What hidden issues can painting reveal in HOA buildings?14:22 Do small proactive tasks really help HOA building maintenance?15:26 How do financial pressures impact HOA building maintenance?16:44 Why should HOAs act quickly when they spot building problems?17:34 What lessons can HOAs learn from real disasters & concrete neglect?18:56 Our FiPhO - Ad Break19:53 What is concrete spalling and why is it dangerous for buildings?23:10 Why is waterproofing critical for HOA building maintenance?25:08 When should HOA boards call a structural engineer?26:15 What can help monitor structural concerns in HOA buildings?28:30 What are the 4 C’s of effective HOA leadership for building care?33:20 What is the key takeaway for proactive HOA building care?Podcast Links:Full Episode ListWatch On YoutubeEngage in the conversation!Call our 24/7 voicemail line at (805) 203-3130 or send an email or voice memo to podcast@reservestudy.comNominate yourself or a Board Hero you Know!Board Hero NominationsBoardmember Merch Store!Connect with Hosts on LinkedInJulie AdamenKevin Davis, CIRMSRobert Nordlund, PESupport Our SponsorsAssociation Insights & MarketplaceAssociation ReservesCommunity FinancialsKevin Davis Insurance ServicesStoke Light Video & MarketingThe Inspectors of Election

June 1, 2026Episode 16032 min

160 | What Fannie Mae’s 2027 Reserve Change Means for HOAs

Send us Fan MailFannie Mae’s 2027 changes could impact HOA lending standards nationwide. Here’s what boards need to know.✅ Is a Reserve Study right for you? 👉 https://www.reservestudy.com/🏠 Condo Status Finder: https://singlefamily.fanniemae.com/condo-status-finder✉️ Fannie Mae's March 18th Lending Letter: http://www.reservestudy.com/wp-content/uploads/2026/05/LL-2026-03-Project-Standards_Insurance-03-18-26.pdfToday we have on the show Jodi Horne, she's principal of single family collateral risk management at Fannie Mae, and that's a long title, but what that all means is that she's the one at Fannie Mae ultimately responsible for lending standards affecting community associations and their latest lending standard update in particular, so at any time Fannie Mae or Freddie Mac make an adjustment to their lending standards. It sends ripples throughout the community association and the entire lending industry. So, to lower your anxiety and to hear what's really going on, we have Jodi here on the program today, speaking publicly on this issue.  Chapters:00:00 Why is Fannie Mae changing reserve requirements?00:51 Who is Jodi Horne and why does this update matter?04:03 What role does Fannie Mae play in HOA lending standards?05:05 Why did Fannie Mae decide to make this change?07:45 Why should HOA homeowners care about these requirements?08:42 What are the two major reserve policy changes?12:24 When do the new reserve requirements take effect?14:22 Is this a national standard or a regional change?15:24 Ad Break - Association Reserves15:56 Why was the reserve threshold increased from 10% to 15%?17:58 Who reviews reserve studies and reserve funding levels?19:06 What qualifies as an acceptable reserve study?20:45 Why is baseline funding no longer acceptable?24:05 How do associations support mortgage financing eligibility?25:23 How long did it take to develop these changes?27:00 Was the Champlain Towers collapse the reason for this update?28:59 What should HOA boards do next to prepare?30:49 Where can boards find the Fannie Mae resources discussed today?Podcast Links:Full Episode ListWatch On YoutubeEngage in the conversation!Call our 24/7 voicemail line at (805) 203-3130 or send an email or voice memo to podcast@reservestudy.comNominate yourself or a Board Hero you Know!Board Hero NominationsBoardmember Merch Store!Connect with Hosts on LinkedInJulie AdamenKevin Davis, CIRMSRobert Nordlund, PESupport Our SponsorsAssociation Insights & MarketplaceAssociation ReservesCommunity FinancialsKevin Davis Insurance ServicesStoke Light Video & MarketingThe Inspectors of Election

May 25, 2026Episode 15934 min

159 | Why Your "Full Service" HOA Contract Isn’t What You Think It Is

Send us Fan MailThink your HOA contract covers everything? Many boards misunderstand what “full service” means…With us today is Rolf Crocker, the president of Omni Community Management, an association management company located in Northern California. This week we thought we would regale you with all of the information we have about HOA management companies, their relationships with HOA boards, and how an HOA contract might not be what you think. Chapters:00:00 Why is there a bandwidth problem in HOA management?00:54 What does “full service” HOA management really mean?04:12 What is portfolio management and how does it work?05:58 Why is time the only real “widget” in management?06:54 Why can’t small HOAs expect unlimited service?08:35 Should boards create a wish list before hiring management?10:01 Why is HOA management still partially self-managed?11:14 Why do board expectations suddenly change over time?13:00 Why are some HOA management tasks billed separately?14:44 Why do rising labor and operating costs matter to HOAs?17:50 Why is trust essential between boards and managers?19:15 Ad Break - Community Financials 19:46 Why can’t boards always choose their portfolio manager?22:27 What is the “span of control” problem in management?24:24 Why is finding great HOA managers becoming harder?27:29 How did HOAs become such a massive institution?30:43 Why are volunteer HOA board members so important?31:27 How much influence do HOA board members really have?32:42 What is the biggest takeaway for HOA boards and managers?Podcast Links:Full Episode ListWatch On YoutubeEngage in the conversation!Call our 24/7 voicemail line at (805) 203-3130 or send an email or voice memo to podcast@reservestudy.comNominate yourself or a Board Hero you Know!Board Hero NominationsBoardmember Merch Store!Connect with Hosts on LinkedInJulie AdamenKevin Davis, CIRMSRobert Nordlund, PESupport Our SponsorsAssociation Insights & MarketplaceAssociation ReservesCommunity FinancialsKevin Davis Insurance ServicesStoke Light Video & MarketingThe Inspectors of Election

May 18, 2026Episode 15835 min

158 | How HOA Board "Poor Decisions" Become $20K–$3M Lawsuits

Send us Fan MailSmall HOA board mistakes can become massive lawsuits! See how poor decisions escalate legal and financial risk.✅ Is a Reserve Study right for you? 👉 https://www.reservestudy.com/Poor HOA board decisions can quickly escalate into lawsuits costing tens of thousands, or even millions, of dollars. Learn how communication failures, inconsistent rule enforcement, deferred maintenance, discrimination claims, and breaches of fiduciary duty create serious legal and financial exposure for community associations.Chapters00:00 Why should HOA boards get training and advice?01:10 What happens when an HOA board makes no decision?03:08 How much does a ‘simple’ HOA claim really cost?04:21 How do procedural mistakes create HOA lawsuits?08:35 Why is communication critical for HOA boards?09:56 How can small HOA conflicts become six‑figure lawsuits?11:18 How do special assessments trigger HOA legal disputes?12:47 Why do HOA disputes get more costly over time?15:00 How do inconsistent HOA rules create liability?15:50 When should an HOA board call attorneys or risk managers?22:38 Ad Break - Kevin Davis Insurance Services23:04 What really causes million‑dollar HOA lawsuits?24:12 How does structural damage becomes a legal disaster?26:57 How do discrimination claims impact HOAs and boards?28:57 What is breach of fiduciary duty for an HOA board?29:23 How can HOAs end up on Fannie Mae’s blacklist?30:52 How can HOAs reduce lawsuit risk?32:18 Why HOA board education and training are necessaryThe views & opinions expressed in this program are those of the Hosts & Guests, intended to provide general education about the community association industry. The content is not intended to provide specific advice or recommendations for any individual or organization.Podcast Links:Full Episode ListWatch On YoutubeEngage in the conversation!Call our 24/7 voicemail line at (805) 203-3130 or send an email or voice memo to podcast@reservestudy.comNominate yourself or a Board Hero you Know!Board Hero NominationsBoardmember Merch Store!Connect with Hosts on LinkedInJulie AdamenKevin Davis, CIRMSRobert Nordlund, PESupport Our SponsorsAssociation Insights & MarketplaceAssociation ReservesCommunity FinancialsKevin Davis Insurance ServicesStoke Light Video & MarketingThe Inspectors of Election

May 11, 2026Episode 15729 min

157 | What Happens When ICE Comes To Your HOA?

Send us Fan MailWhat should your HOA do when ICE shows up? Here’s what boards need to know about ICE and HOA responsibilities.✅ Is a Reserve Study right for you? 👉 https://www.reservestudy.com/Complying with law enforcement or people in uniform is something that we just do as part of living in our ordered society, but that has traditionally been for issues having to do with life safety. You got to think about letting a fireman into your house, or when a policeman pulls you over for speeding, or when the FBI raids the office of a corrupt politician. So without touching the political sensitivities of this topic today, we'll learn if we should put ICE officials in the same automatic compliance category for your HOA, or if they belong in a different category.Contact Sandra at: slg@sghoalaw.com or 800.372.2207 x202Chapters:00:00 What should you do if ICE shows up at your HOA?00:45 Why is this topic becoming relevant for associations now?03:09 Why should HOAs prepare policies for law enforcement access?04:18 How did real late-night ICE situations create panic?06:36 Why should HOAs slow down instead of reacting quickly?08:26 What legal factors make ICE situations more complex?10:00 Why can oversharing create liability for associations?10:56 Why is having a written ICE protocol so important?12:17 Are ICE agents using fear as part of their strategy?13:44 Who is the HOA actually responsible for protecting?15:00 How can vendor situations create unexpected risk?17:13 Ad Break - Kevin Davis Insurance Services17:41 Why is access control critical when ICE arrives?18:13 What is the difference between administrative and judicial warrants?19:35 Why should HOAs request documentation and copies?20:20 Why is this not an emergency situation?21:19 When should HOAs step aside if force is involved?22:50 Should ICE be treated like other law enforcement?23:52 Why should all requests be documented in writing?25:00 How should front desk staff respond in the moment?26:01 What if your attorney is unfamiliar with these situations?27:21 What is the most important takeaway for HOA boards?The views & opinions expressed in this program are those of the Hosts & Guests, intended to provide general education about the community association industry. The content is not intended to provide specific advice or recommendations for any individual or organization.Podcast Links:Full Episode ListWatch On YoutubeEngage in the conversation!Call our 24/7 voicemail line at (805) 203-3130 or send an email or voice memo to podcast@reservestudy.comNominate yourself or a Board Hero you Know!Board Hero NominationsBoardmember Merch Store!Connect with Hosts on LinkedInJulie AdamenKevin Davis, CIRMSRobert Nordlund, PESupport Our SponsorsAssociation Insights & MarketplaceAssociation ReservesCommunity FinancialsKevin Davis Insurance ServicesStoke Light Video & MarketingThe Inspectors of Election

May 4, 2026Episode 15636 min

156 | Stop Wrestling With HOA Votes!

Send us Fan MailHOA votes shouldn’t feel like a battle. Here’s how to run them smoothly and avoid costly mistakes.✅ Is a Reserve Study right for you? 👉 https://www.reservestudy.com/🔎 Learn More About The Inspectors of Election 👉 https://inspectorsofelection.com/Why should a board put in long hours preparing for HOA votes of any kind and then struggle to support or defend it? There's so many types of elections and ways you can stumble setting up a vote of any kind, whether it's getting quorum or an election of new board members seeking approval for a special assessment, or any one of these different types of voting situations where you need to reach out to your ownership in an official manner. Need to get it done, and get it done in a way that there is no question of the validity the results, so you don't have to do it over again. That’s where our guest Kurtis Peterson from The Inspectors of Election comes in. He’s here to talk everything about elections in your HOA community! Chapters00:00 Why do HOA votes become so complicated?00:51 What types of HOA votes can go wrong?04:39 Why is election season so busy for associations?06:33 What kinds of votes require member approval?07:56 Why is online voting difficult in California?10:25 Can HOA voting be fully digital today?11:41 What is a hybrid HOA voting system?13:57 What are common HOA election mistakes?15:55 Why do many associations need outside help?17:25 Are small or large HOAs more at risk for voting issues?18:47 What makes an HOA vote contentious?19:05 Ad Break - Association Reserves20:18 Why use an independent election inspector?22:22 Why do recalls happen after special assessments?23:26 How does outsourcing voting reduce risk?25:51 Why shouldn’t volunteers run HOA elections?27:17 What role does legislation play in HOA voting?29:04 Is online voting allowed in every state?30:49 How early should HOAs prepare for elections?31:46 What is election by acclimation and how does it work?33:48 What is the biggest takeaway for HOA boards?The views & opinions expressed in this program are those of the Hosts & Guests, intended to provide general education about the community association industry. The content is not intended to provide specific advice or recommendations for any individual or organization.Podcast Links:Full Episode ListWatch On YoutubeEngage in the conversation!Call our 24/7 voicemail line at (805) 203-3130 or send an email or voice memo to podcast@reservestudy.comNominate yourself or a Board Hero you Know!Board Hero NominationsBoardmember Merch Store!Connect with Hosts on LinkedInJulie AdamenKevin Davis, CIRMSRobert Nordlund, PESupport Our SponsorsAssociation Insights & MarketplaceAssociation ReservesCommunity FinancialsKevin Davis Insurance ServicesStoke Light Video & MarketingThe Inspectors of Election

April 27, 2026Episode 15535 min

155 | Denied! When an HOA Loan Is Not an Option for Your Association

Send us Fan MailHOA loan approvals aren’t guaranteed. Here’s why more communities are being turned down…✅ Is a Reserve Study right for you? 👉 https://www.reservestudy.com/Today, we have two industry professionals, former managers, both with the prestigious pcam credential, and they're both now in the banking industry, Michelle Underwood and Marcy Kravit. We asked them to join us on the show today because we had a situation where one of our clients with a lot of deferred maintenance and almost no money, didn't like the idea of a special assessment, and so they reached out to one of the more prominent Community Association financial institutions, and the deal was they were initially denied, which I understand is more and more common, and after some discussion and clarification and adjustment, they were finally approved. But it wasn't easy or straightforward, and it's a lesson that you need to hear.Chapters:00:00 Why are HOA loans getting denied more often?00:55 What problem are HOAs facing when funding major projects?03:05 Why do banks reject associations with poor planning?06:55 Why are reserve studies now critical for loan approval?08:23 How does deferred maintenance impact loan eligibility?11:29 What financial documents do banks review first?14:19 What delinquency levels make HOAs too risky?15:49 How long does the HOA loan approval process take?18:25 Why do loans still require special assessments?20:21 How can insurance costs impact loan decisions?21:24 Ad Break - OurFiPhO.com 21:55 What are the automatic disqualifications for HOA loans?25:04 What are typical loan terms for HOAs?26:50 Why can a loan hurt your association’s marketability?27:56 Are HOA loans becoming harder to get approved?29:39 Why do board decisions impact homeowners’ lives directly?30:42 What should HOAs look for in a lending partner?33:19 What is the most important takeaway for HOA boards?The views & opinions expressed in this program are those of the Hosts & Guests, intended to provide general education about the community association industry. The content is not intended to provide specific advice or recommendations for any individual or organization.Podcast Links:Full Episode ListWatch On YoutubeEngage in the conversation!Call our 24/7 voicemail line at (805) 203-3130 or send an email or voice memo to podcast@reservestudy.comNominate yourself or a Board Hero you Know!Board Hero NominationsBoardmember Merch Store!Connect with Hosts on LinkedInJulie AdamenKevin Davis, CIRMSRobert Nordlund, PESupport Our SponsorsAssociation Insights & MarketplaceAssociation ReservesCommunity FinancialsKevin Davis Insurance ServicesStoke Light Video & MarketingThe Inspectors of Election

April 20, 2026Episode 15434 min

154 | Finding Success Through Diversity on an HOA Board

Send us Fan MailEvery HOA board has conflict. The best ones use diversity to make better decisions. Here’s how to turn your board diversity into success…✅ Is a Reserve Study right for you? 👉 https://www.reservestudy.com/Today, Julie Adamen and Robert Nordlund will be addressing a common challenge among board members:  seeing the world differently from one another. The question is, will that tear your board apart, or can you use that to have success because of that diversity? And that's a question we'll tackle today! Chapters00:00 Why do different perspectives create tension on HOA boards?00:48 What challenge do new board members bring to existing teams?03:54 Why should boards avoid expecting the worst from new members?05:41 How does change impact HOA board dynamics?07:32 Why do different generations see HOA decisions differently?08:48 How should new board members approach change responsibly?10:34 What is political capital and why does it matter?12:00 Why are HOAs like small governments with real impact?13:55 What types of diversity affect HOA board decisions?16:23 How do different strengths improve board performance?19:21 How do communication and translation challenges affect boards?20:31 Ad Break - Kevin Davis Insurance Services 21:00 How do you shift from defensiveness to collaboration?23:46 How do you find common ground on difficult decisions?25:29 How can boards align on financial decisions like repairs?27:36 Why does consensus building take time in HOAs?30:05 How does communication help unify diverse board members?31:29 What is the best way to build trust on a diverse board?The views & opinions expressed in this program are those of the Hosts & Guests, intended to provide general education about the community association industry. The content is not intended to provide specific advice or recommendations for any individual or organization.Podcast Links:Full Episode ListWatch On YoutubeEngage in the conversation!Call our 24/7 voicemail line at (805) 203-3130 or send an email or voice memo to podcast@reservestudy.comNominate yourself or a Board Hero you Know!Board Hero NominationsBoardmember Merch Store!Connect with Hosts on LinkedInJulie AdamenKevin Davis, CIRMSRobert Nordlund, PESupport Our SponsorsAssociation Insights & MarketplaceAssociation ReservesCommunity FinancialsKevin Davis Insurance ServicesStoke Light Video & MarketingThe Inspectors of Election

April 13, 2026Episode 15330 min

153 | How ‘No Decision’ Becomes a Legal & Financial Risk For Your HOA

Send us Fan MailHOA finances suffer when boards delay decisions. Learn the legal and financial risks of inaction.✅ Is a Reserve Study right for you? 👉 https://www.reservestudy.com/HOA finances are at risk when boards avoid making decisions. Kevin Davis and Sherry Branson break down how “no decision” leads to legal exposure, deferred maintenance, and financial strain. Learn how fiduciary responsibility, communication, and proactive leadership help protect your community, maintain property values, and avoid costly mistakes.Chapters:00:00 Why does avoiding decisions create bigger HOA problems?01:45 What does “no decision is a decision” really mean?03:05 Why are HOA boards often afraid to make decisions?04:48 Why do financial decisions cause the most indecision?06:52 What is fiduciary duty and how can boards violate it?08:15 How does deferred maintenance turn into legal risk?10:06 Why do boards become defensive instead of proactive?11:42 How does inconsistent enforcement create liability?14:28 Why should HOA boards act like a business?16:01 Ad Break - Community Financials 16:32 What are the three biggest areas affected by indecision?18:10 How do delays lead to lawsuits and financial loss?20:27 What makes a decision seem “reckless” to homeowners?22:12 Why should boards rely on expert advice?23:39 How does communication reduce conflict with homeowners?25:29 How do decisions protect long-term property value?27:18 Why does tone and kindness matter in board leadership?The views & opinions expressed in this program are those of the Hosts & Guests, intended to provide general education about the community association industry. The content is not intended to provide specific advice or recommendations for any individual or organization.Podcast Links:Full Episode ListWatch On YoutubeEngage in the conversation!Call our 24/7 voicemail line at (805) 203-3130 or send an email or voice memo to podcast@reservestudy.comNominate yourself or a Board Hero you Know!Board Hero NominationsBoardmember Merch Store!Connect with Hosts on LinkedInJulie AdamenKevin Davis, CIRMSRobert Nordlund, PESupport Our SponsorsAssociation Insights & MarketplaceAssociation ReservesCommunity FinancialsKevin Davis Insurance ServicesStoke Light Video & MarketingThe Inspectors of Election

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