actuarial soundness

Related by string. * Actuarial : actuarial assumptions . actuarial profession . actuarial calculations . actuarial valuation . actuarial tables . Actuarial Science . Casualty Actuarial Society . triennial actuarial valuation / Soundness : fiscal soundness dampens . soundness uprightness honesty . Financial Soundness . Soundness Act . breeding soundness . structural soundness . soundness * *

Related by context. All words. (Click for frequent words.) 64 actuarially justified 63 actuarially sound rates 58 actuarially sound 56 FHCF 54 SHKPI 54 actuarially unsound 54 procyclical effects 53 PBGF 53 Unfunded Liability 53 Unfunded liabilities 53 Wage freezes 53 NCUSIF 53 Kuczwanski 53 PPF levy 53 PEEHIP 52 BGE ratepayers 52 Multiemployer 52 NYSHIP 52 Schlomach 52 StanCERA 52 origination volumes 52 ratemaking 51 Belshé 51 Expansionist Israeli housing 51 Bob Lotane spokesman 51 millage rollback 51 Social Security COLAs 51 recoupments 51 Workers comp 51 Company noncontributory defined 51 Social Security actuaries 51 insured depositories 51 windstorm deductibles 51 assignee liability 51 loan origination volumes 50 Proposition #âÑ# 50 procyclicality 50 lapsation 50 variable annuity guarantees 50 windpool 50 BISHCA 50 Expensing options 50 HSCRC 50 multiemployer defined 49 shareowner value 49 xxxi adverse tax 49 policyholder dividends 49 IOLTA accounts 49 MedPAC recommendations 49 MHPAEA 49 Kristin Milam 49 healthinsurance 49 unfunded actuarial liability 49 Federal Deposit 49 Mareane 49 Variable annuities involve 49 hazard mitigation grants 49 pregnancies Mishell 49 deductibles copayments 49 recoup overpayments 49 workers' comp 49 redefaults 49 EHNAC criteria 49 enacting tort reform 49 guaranty associations 48 PEBB 48 PEHP 48 OPEB obligations 48 Eileen Mallow 48 IncomeFlex 48 claimholders 48 MAEP formula 48 Privatizing Social Security 48 postemployment 48 undesignated reserves 48 recapturing payouts 48 OPEB liabilities 48 policyowner 48 actuarially 48 FX McCahill 48 Overly generous 48 regressivity 48 FAIR Plan 48 Lotane 48 counterparty exposures 48 prudential framework 48 NCOIL model 48 merchant chargebacks 48 TSCorp 48 setoffs 48 fiscals #-# 48 BCBSND 48 Workers Compensation Insurance 48 workers' compensation 48 self insured retentions 48 Superintendent Alessandro Iuppa 48 pressuring appraisers 48 ISMIE 48 chairman Glenn Hackbarth 48 nonretirement accounts 48 Elaine Sarsynski executive 48 McGuyer Homebuilders 48 FINDEP 47 Lynne McChristian 47 Prevailing wage 47 absorptive capacities 47 Prevailing wages 47 living adjustment COLA 47 reestimates 47 solvency ratios 47 solvency 47 Cal PERS 47 trivial commutation 47 DAC unlocking 47 postretirement obligations 47 insurance premiums 47 FDIC insured deposits 47 WCIRB 47 Dirigo Choice 47 loss carrybacks 47 MCOT TM 47 nonhomesteaded properties 47 creates perverse incentives 47 uninsureds 47 Tyrone Jue 47 Slome explains 47 Lump sums 47 Ms. Bouvette 47 ii Immtech ability 47 Janet Trautwein 47 PTPP 47 Morningstar Kinnel 47 advanceable 47 noninterest bearing deposit 47 PEBP 47 policyholders 47 ben efits 47 outyears 47 Emler Lindsborg Republican 47 OMB Kevelighan 47 DPAC amortization 47 FHLBanks 47 Ms. Borzi 47 ProMutual 47 nonhomesteaded property 47 MRMIB 47 #.#x MADS [001] 47 Rescissions 47 surge inland Suhayda 47 nondepository 47 John Kuczwanski 47 Jerry Hagins 47 UAAL 46 Kirsten Trusko 46 Abbott Trilipix 46 prudently incurred 46 Mike Geeslin 46 FEHBP enrollees 46 nonadmitted insurance 46 nonrenewals 46 Passed bill 46 balance sheet deleveraging 46 grandfathering provision 46 workman compensation insurance 46 thelong term 46 TABOR refunds 46 Medicare Advantage PFFS 46 Nakheel Sukuk 46 IndyMac depositors 46 CEHE 46 ERISA fiduciaries 46 Disproportionate Share 46 Medi caid 46 affecting mortality morbidity 46 Thomas V. Cholnoky 46 nonparticipating manufacturers 46 cedents 46 Reputational risk 46 Draft Scoping 46 loan origination fees 46 reopeners 46 Stephan Christiansen 46 Incurring debt 46 thresholds indexed 46 Copper equivalent CuEq 46 deductibles coinsurance 46 distributional consequences 46 GCA VS 46 CEO Bruce Bodaken 46 NFIP 46 Allstate Indemnity 46 Nancy Kichak 46 Medicare Advantage premiums 46 ERISA preempts 46 CFO Sink 46 DISTRESS SALE Bank 46 Crisa acquisition 46 MPSERS 46 subordinate liens 46 disciplined underwriting 46 Anthem WellPoint 46 FSAs HSAs 46 SCHIP enrollees 46 noninterest expense partially offset 46 Assessed valuations 46 Grandfathered plans 46 paycheck withholdings 46 biennia 46 Bob Lotane 46 uninsurables 46 worms weasels 46 x fluctuating beryllium 46 Teri Schrettenbrunner 46 Spokeswoman Valerie Wunder 46 outwards reinsurance 46 VLCT 46 Angoff 46 Triad Guaranty 46 ERISA pre emption 46 legislatively mandated 46 DISB 46 HCRA 46 Poftak 46 Koplinski 46 CIRe 46 Coverage EPIC 46 SB# Provides 46 PRIAC 46 medically underwritten 46 Mcare 46 Properly structured 46 Medicaid DSH 46 Medicare Advantage MLR 46 congressional scorekeepers 46 Wineholt 46 KiwiSaver schemes 46 EUTF 46 contractual subordination 46 Joseph M. Zubretsky 45 Mcare Fund 45 Rule 2a 7 45 Prop 1C 45 Headlee rollbacks 45 incen tives 45 debit card overdraft 45 Expect flyspeck scrutiny 45 actuarial valuations 45 misallocates resources 45 compensatory mitigation 45 discourage frivolous lawsuits 45 Gawrylow 45 workmen comp 45 interdepartmental coordination 45 FHLBs 45 RRSP withdrawals 45 Allstate Floridian Indemnity 45 representative payees 45 OIR 45 PIFC 45 Countercyclical 45 CCJEF 45 spokesman Bill Mellander 45 excessively burdensome 45 UnitedHealth PacifiCare 45 Rehaut wrote 45 disincentivising 45 unarranged overdraft charges 45 Molasky Arman 45 Van Ribbink 45 SBLIC 45 prefunding 45 workers comp 45 Soured loans 45 SCAP buffer 45 interestrate 45 SDCERS 45 Julianne Bowler 45 Gary Bhojwani 45 Radian Asset 45 Policyholder 45 OPEB liability 45 McCarran Ferguson 45 spokeswoman Rosanne Placey 45 RiverSource Life 45 Summary Box Mortgage 45 By CINDY PETERSON 45 Midterm politicking hovers 45 DIFs 45 reauthorizing SCHIP 45 redistributional 45 insures pensions 45 spokeswoman Kristin Binns 45 TMRS 45 Pump priming 45 lengthening maturities 45 Laurence Msall president 45 Fahlund 45 Reinsurance recoverables 45 selembu 45 NEORSD 45 CDO squared transactions 45 ultrashort bond 45 SupplySMART ™ energy 45 banksâ € ™ 45 Glenn Mahone NASA 45 capitalized minimums 45 policyholder retention 45 EAST TEXAS Soil moisture 45 instream flows 45 NMI Retirement Fund 45 RTO RPO 45 Spotted owl 45 statutorily prescribed 45 multiemployer pension plans 45 Ambac Assurance Corp 45 uncollectible reinsurance 45 Arveschoug Bird 45 wealthiest Californians 45 c Relates 45 procompetitive 45 Companies ACIC 45 BPPR 45 Administration NCUA 45 LAE reserves 45 EITC eligibility 45 Risavi 45 Laurence Msall 45 MVRs 45 Dick Dadey 45 Defined Benefit pension 45 Stakeholder pensions 45 CRE exposures 45 actuarial liabilities 45 LBDP 45 liquidate REO 45 practices Piszel 45 NAICO 45 risk mitigants 45 Gary Pastorius 45 spokeswoman Kate Hollcraft 45 Merger Arb ETF 45 Defined Benefit Plan 45 Whit Cornman spokesman 45 Employers Liability Compulsory 45 Michael T. Avara 45 constitutionally protected liberties 45 fiat monetary 45 securitize mortgages 45 premiums 45 BPLRs 45 del Giocondo wife 45 reflationary policies 45 reimbursement arrangements HRAs 45 unreasonably burdensome 45 refundability 45 Medically Needy Program 45 fiscally unsound 44 Pete Kuhnmuench executive 44 HPMR 44 HB# Provides [001] 44 PDP MLR 44 mso font pitch 44 Pedro Carillo 44 TransGaming portability technologies 44 insurers 44 POBs 44 commissioner Don Blausey 44 Cheaper Medicines Law 44 Unjust enrichment 44 Expense ratios 44 xi unanticipated 44 Conservation Incentive Program 44 nsurance 44 FOIA exemption 44 NRSRO designation 44 LTCH PPS 44 unvouchered expense 44 Moszkowski wrote 44 regulator De Nederlandsche 44 Reduce 44 Feddis 44 unlinked shekel 44 nonsalary 44 Jimi Grande 44 Candente relies upon 44 FERS retirement 44 Unemployment Compensation Trust 44 confiscatory penalties 44 noticeably thinner stark 44 Bill Sirola 44 Mastercard Visa accepted 44 Ardis Watkins 44 TABOR Amendment 44 actuarial 44 Wyden Snowe 44 La.Civ.Code art 44 guaranty insurers 44 Express Scripts Caremark 44 Remuneration Authority 44 Westmoore Lending 44 FDIC 44 commonsense rationality 44 CBO crunches 44 Troyen Brennan MD 44 Steel narrows 1Q 44 Beneficiary designations 44 interfund transfer 44 Eysink 44 Priya Mathur 44 HECM loans 44 prebates 44 FSBA 44 PIANJ 44 VHFA 44 ad valorum taxes 44 Ed Domansky 44 routine neonatal circumcision 44 BCAR 44 actuarial calculations 44 Indexed annuities 44 Fronstin 44 Ed Domansky spokesman 44 ECFSA 44 ISTANBUL Deadline 44 Economy CAFE 44 nonqualified retirement 44 tax deductability 44 Dave Partenheimer 44 Deposit Guarantee Schemes 44 Stricter regulations 44 Stop Overspending 44 dealer floorplan ABS 44 PERS 44 Spokesman Tom Dresslar 44 TruPS CDOs 44 LGIP 44 Kristi Matus 44 Social Security COLA 44 eliminate CalWORKS 44 Wysaske 44 SafetyIMPACT 44 nondeposit 44 Lifetime Savings Accounts 44 multiperil 44 PERS TRS 44 CAMELS rating 44 MIIs 44 FEHB 44 Employee Pension 44 Winmark Corporation creates 44 SLHCs 44 1 Owner CarFax 44 MOSAID licensees 44 Slome notes 44 EPA Greenhouse gases 44 liquidity buffers 44 spokesman Ioannis Kazanis 44 congressionally imposed 44 CIFG NA 44 analyst Vangelis Agapitos 44 Granholm vetoes 44 ROAs 44 Superintendent Mila Kofman 44 capping noneconomic damages 44 TennCare recipients 44 insurability 44 AVOLENT 44 nonhomestead property 44 OMIG 44 Doehrel 44 FDLP 44 downward repricing 44 insurees 44 MedAmerica 44 GSEs 44 Salary freezes 44 SRD deferred 44 consultant Robert Laszewski 44 Rev. Rul 44 GeoVera 44 Irelandā 44 Allstate Floridian 44 RMIC 44 pension 44 indebtness 44 nonwealthy 44 insured depository institutions 44 Education 44 Search themorningcall.com Web 44 Mr O'Mogeni 44 Roger Sevigny 44 deductibles copays 44 eVAT 44 nonparticipating providers 44 deleverages 44 FRS# accounting standard 44 James Chessen chief 44 banksâ 44 NZ Superannuation 44 ERISA pre empts 44 MIIA 44 Rams Chevrolet Silverados 44 mortgagebacked securities 44 GNAIE 44 Michael McCallister Humana 44 totalization agreements 44 Cliff Guffey 44 LACERA 44 Phased retirement 44 allowable copays 44 Retransmission consent 44 Reschovsky 44 Beta coefficient 44 CWRA 44 PERA 44 Jeffrey Speicher 44 borrowable funds 44 uninsured underinsured motorist 44 MMSEA 44 OPEB expense 44 solvency deficiency 44 Interpretative Communication 44 Lance Locurto 44 policyholder surplus 44 quadrennial reassessment 44 PFRS 44 pensions 44 mandated PLAs 44 AIK Comp 44 HB#/SB# 44 Dick Luedke spokesman 44 insurance 44 Syncora Holdings 44 GPPs 44 Medi CareFirst 44 TBTF banks 43 spokesman Randy Clerihue 43 HTRG 43 taxables 43 loophole closers 43 BCBSM 43 PEIA 43 Carol Dansereau 43 TABOR amendment 43 Bruce Roberts RPh 43 CALFED 43 micro prudential supervision 43 Protected Withdrawal Value 43 MAIF 43 Commissioner Diane Koken 43 Pam Kehaly 43 multiemployer 43 FEGLI 43 Iarrapino 43 Variable annuity 43 cover octuplet mom 43 American Bankers Assn 43 assurers 43 bankā 43 FDIC TLGP 43 debtors estates 43 Diane Koken 43 Sidamon Eristoff 43 S.Africa c.bank 43 Dorinco 43 nonadmitted 43 unduly constrain 43 Fed Kroszner 43 nontax revenues 43 FSCS levy 43 debit card interchange 43 RRGs 43 La.Code Crim.P. art 43 Cranick doublewide 43 Solvency II directive 43 OOCEA 43 Prop. 1F 43 NCUA insured 43 unfunded accrued 43 adjustments COLAs 43 POMV 43 FCDU loans 43 FHA 43 Gann Limit 43 Premium DRIP 43 CENTRAL Soil moisture 43 stream buffers 43 Longevity Bonus 43 RMK Funds 43 TWIA 43 nonrepresented employees 43 Insurance Regulation OIR 43 spokesman Bob DeFillippo 43 NAIC 43 Basel III accord 43 Dartland 43 Peachcare 43 Sejen 43 SERFF 43 constitutionally protected rainy 43 companiesâ 43 Moody Aaa 43 BCBSD 43 Aaron Gornstein executive 43 Patricia Macht 43 Equalized Assessed Valuation 43 overinsured 43 Owcharenko 43 TennCare Bredesen 43 spokesman Darrel Ng 43 mergers consolidations 43 SFY #-# 43 borrower creditworthiness 43 spokesman Walt Cherniak 43 Alderwoman Donna Kuzemchak 43 FHA Modernization 43 Prospectively AM Best 43 concessionally taxed 43 Fish Parcham 43 SGLI coverage 43 Corinne Pohlmann 43 Yodlee patented 43 VStoxx Index 43 SGR formula 43 ACLI 43 CARFA 43 cramdowns 43 backorders signaled 43 noninterest bearing checking 43 fiscally unwise 43 spokesman Neal McGarity 43 FERS retirees 43 Kate Szostak 43 APERS 43 reimbursement 43 GV Nageswara Rao 43 prefunded 43 Brynien 43 Stated Amount 43 transperancy 43 coffees lattes frozen 43 copayments deductibles 43 spokesman Ed Domansky 43 contractholders 43 interfund 43 FEMA Kinerney 43 procyclical 43 Ev Liebman 43 unfunded pensions 43 ABX1 1 43 fiscally sustainable 43 QDIAs 43 Jeager Junior 43 Affiliated Insurers 43 Moench presumption 43 CCIR Commander critical 43 LTV ratios 43 FDICIA 43 macrofinancial 43 Prevented planting 43 FACT CHECK Stimulus 43 thirds supermajority requirement 43 efficiences 43 HSA compatible 43 Expanding SCHIP 43 AmerInst 43 FSCO 43 IHSS recipients 43 losing Yemen Sharqieh 43 Ox Bonding 43 Nicole Mahrt spokeswoman 43 taxwise 43 NPDES permitting 43 GEICO policyholders 43 HAMP servicers 43 de tariffed 43 Coverdell ESAs 43 budgetarily 43 ceding commissions 43 muni issuers 43 NYIA 43 FEMA reimburses 43 GSPHMO 43 Feinseth 43 director Dave Schmiedicke 43 Californians foretells skyrocketing 43 distributional effects 43 EPADS estimates 43 Alan Glickstein senior 43 Oye Hassan Odukale 43 repaying TARP 43 Kevin Mukri spokesman 43 IRDA norms 43 policyholder 43 decoupling mechanism 43 unsubsidized COBRA 43 CenturyLink Qwest merger 43 Syncora 43 Regent Judith Hopkinson 43 Medicaid 43 AEPS 43 NASDAQ CSBC 43 xii fluctuating currency 43 concessional contributions 43 adversely modify 43 economically ruinous 43 OCERS 43 Haislmaier 43 Largely offsetting 43 budgetary surpluses 43 PIAL 43 VETO HB 43 PPFAC 43 economicconditions 43 WEST CENTRAL Soil moisture 43 FSLIC 43 Subtitle B 43 RRSP contribution room 43 overcollateralisation 43 imposing unfunded mandates 43 econonomic 43 Charitable donations 43 Medicare Advantage HMOs 43 policyowners 43 Nessa Feddis senior 43 CCCF Act 43 VFRAs 43 prudential requirements 43 RRIF withdrawal 43 Compensatory damages 43 meas ures 43 Ms. Nalbantoglu 43 CSRS retirees 43 subordinate lien holders 43 FACT CHECK Shaky 43 FHFB 43 NASCUS 43 Insulet inability 43 M. Diane Koken 43 Jill LeMaster 43 BEP formula 43 VaR calculations 43 adopting IFRS 43 SFSB Inc. 43 Migden Ostrander 43 methodological weaknesses 43 actuarially determined 43 copayments coinsurance 43 Mohit Ghose 43 Councilman Bill Lonkart 43 TMLT 43 Tom Caiazza 43 recoup unrecovered 43 MassHealth Medicaid 43 AHCCCS eligibility 43 TVA ratepayers 43 GARs 43 Councilman Doug Marmie 43 Farming ranching 43 NCQA Accreditation 43 ANICO 43 spokeswoman Cynthia Michener 43 noninflationary 43 Unsecured creditors owed 43 Creditworthiness 43 Beth Umland 43 RHCD 43 QRMs 43 debit interchange 43 Insurance SSDI 43 Caryn Klebba 43 medigap 43 Jose Montemayor 43 deductible IRAs 43 Kristin Binns spokeswoman 43 MBIA insures 43 voter referendums 43 incentive accruals 42 Dana Bilyeu 42 Van Faasen 42 overfund 42 Search Newsday.com Web 42 Ambac insures 42 Homeowner Exemption 42 CLICO policyholders 42 Giftrust 42 Cowden Associates 42 IBNR reserves 42 PIT receipts 42 HIPAA Privacy Rule 42 federally insured depository 42 FHLBank Cincinnati 42 Womer Benjamin 42 Carmen Balber consumer 42 dividend payout ratios 42 Brian Rieselman 42 Meteorologist Christopher Juckins 42 Gramm Leach Bliley GLB 42 Protracted litigation 42 Quaadman 42 MLRs 42 profitabilty 42 Kurtter 42 HAVA mandates 42 spds cgma turbos # 42 CRE concentrations 42 Sangour 42 FHLBB 42 Hormel 1Q 42 Travelers Indemnity 42 Toll Brothers 4Q 42 categoricals 42 noncovered 42 DICGC 42 Prudence dictates 42 annuitization 42 NBCR risks 42 chargeoff 42 PRAs 42 xiii fluctuating currency 42 redefault rates 42 borrowable resources 42 Equity indexed annuities 42 financeability 42 trivial Klatsky 42 fiscally responsible manner 42 Injunctive relief 42 Immediate annuities 42 lump sum distributions 42 detariffed regime 42 undesignated unreserved fund 42 covenant headroom 42 ConnPACE 42 ratio MLR 42 minute Elderberry Facial 42 central bankâ 42 UnitedHealthcare Ovations 42 PV module efficiencies 42 NJ FamilyCare 42 ILC charters 42 ICHIP 42 restrictive formularies 42 Cheneys owed 42 allocative efficiency 42 Code Section #A 42 postemployment benefits 42 PAYGO rules 42 Prefunding 42 R6 7bn 42 CPP QPP 42 By LYNN COLLIER 42 burdening taxpayers 42 Override opponents 42 Lotto Powerball jackpots 42 CalPERS 42 FDIC Deposit Insurance 42 Basel III norms 42 MinnesotaCare enrollees 42 prudential oversight 42 accretable yield 42 reinsurance reinstatement 42 HMFI 42 spottier histories 42 OFIR 42 Ofheo 42 Assessed values 42 Establish 42 vi ineffectiveness 42 SSI SSP 42 Personal Injury Protection 42 surety bonding 42 Fixed annuity 42 noninsured 42 KAPT 42 Setzfand 42 nonperforming assets NPAs 42 Voluntary Employee Beneficiary Associations 42 CoverColorado 42 Soybeans grains 42 Quake jolts Anchorage Alaska 42 Lobbied fellow 42 FDIC insured institutions 42 Search dailypress.com Web 42 governmentally mandated 42 Spokeswoman Debbie Tanna 42 unforeseen eventualities 42 Kelley Siel 42 § #-#-# c [001] 42 parkway tolls 42 performing obligors 42 covering elective abortions 42 Elegeert 42 Deflationary pressure 42 grossly underinsured 42 Roth IRA withdrawals 42 Chubb CB 42 flooding silty rivers 42 QTDP Program 42 Tom Suehs 42 Heath Schiesser 42 Sandy Praeger Kansas 42 Carlson AMERIGROUP 42 attorney Ramzi Abadou 42 Munghana Lonene Listenership 42 risk averseness 42 IAPF 42 Weiss Ratings 42 HDHPs 42 Hiring freezes 42 ozone layer HFCs 42 employers PRSI 42 BCBSRI 42 Hurricane Catastrophe Fund 42 unapproved absences 42 Ordot consent decree 42 nongroup 42 preservation easements 42 Rosanne Placey spokeswoman 42 HB# Relating 42 Dr. Rhonda Medows 42 marketconditions 42 FIRREA 42 vernal pool species 42 dissaving 42 BillTally 42 & Healthsystem Association 42 Sophie Harbert 42 Lonpac 42 DTRIC 42 Social Se curity 42 slowdown Governor Perng 42 compulsory counterclaims 42 SHFAs 42 BY ANDREI 42 Kuhnmuench 42 compulsory insurances 42 TREA Senior 42 Laurrell 42 Chronic HCV significantly 42 BillingCenter 42 DSIC 42 Policyholders 42 Propositions 1A 1F 42 SanDisk iNAND EFDs 42 APRA regulated 42 AVCs 42 statutory PAYGO 42 Rich Robleto 42 damages proximately caused 42 Celestica TCOO 42 COGFA 42 overburdening taxpayers 42 Regence BlueCross 42 Koichi Kurose chief 42 Companies NAMIC 42 Takafumi Yamawaki senior 42 FY# adj 42 SAFETEA 42 TORT reform 42 normal LLN 42 earmark Becerra 42 OPEBs 42 Blue Cross 42 expansionary macroeconomic 42 RRIF withdrawals 42 Stop placating 42 Identity Ecosystem 42 CrisisResponse 42 detrimentally affecting 42 Therein lurks 42 Edward Yingling president 42 xi fluctuating currency 42 RIPEC 42 NAID certification 42 DISCLAIMER Install 42 Workers Comp Rate 42 Chantal Cyr 42 Annotti 42 Protectionist pressures 42 sea turtle populations 42 Long Term Disability 42 TARP Neil Barofsky 42 mitigants 42 nonforfeitable 42 thevalue 42 HG LV 42 euro regionā 42 Supervalu 3Q 42 CMHC insured mortgages 42 unobservable inputs 42 profitablility 42 nondeductible expenses 42 Federal Mogul Alapont 42 unsecured debtholders 42 without unduly burdening 42 XGen Nevis Island 42 Senkewicz 42 Molson Coors 4Q 42 Tatkovski

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