From the May 2005 issue of Investment Advisor • Subscribe!

The IA 25

In a profession filled with charismatic entrepreneurs and a host of potential partners, these 25 people lead the way

Groucho Marx once famously proclaimed that he wouldn't care to join any club that would include him as a member. So what are we to make of a grouping that includes folks as diverse as George W. Bush and Bob Veres, Chuck Schwab and Andy Gluck, Alan Greenspan and Sheryl Garrett? Well, that would be the exclusive IA 25, our magazine's annual naming of the 25 most influential people in and around the financial planning profession. It's a club whose diversity reflects the broad range of pastimes and passions and partnerships that is the financial planning and investment advisory universe in the year 2005.

While nearly all the members of the group have already had a notable impact on the way advisors ply their trade, the IA 25--which appears in alphabetical order, not relative importance--is by design a forward-looking statement. Thus it is the editors' judgment that Bob Thomas, the chairman of the House Ways and Means Committee, may loom larger in your thoughts and in your clients' pocketbooks in the days ahead than you might have first thought, as President Bush's stated intent to remake Social Security, simplify the tax code, and make permanent his first-term tax cuts play out on Capitol Hill. In the last year of his tenure as the second-most-powerful person on the planet (or is he first?), Alan Greenspan's guidance of the Federal Reserve in its steady march of interest-rate hikes may affect your investment advice and asset allocation. There's more going on in the capital than legislation and open market committee meetings: the major planner trade groups have clearly decided to march on Washington, too, and are asking planners to put their PAC money where their hearts are.

Charles Schwab has blazed a history of innovation with his eponymous company, but having retaken the CEO reins last year and promising to stay on until January 2007, his stated intent to refocus Charles Schwab & Co. on end investors and the advisors who serve them will affect more than a few advisors. Schwab is not alone in tieing his fortunes to you, the trusted advisor. The leaders of companies as big as Fidelity Brokerage, as respected as Commonwealth, Raymond James, and LPL, and as up-and-coming as National Financial Partners have all hitched their profit wagons to the advisor's assets. Among planners who know the value of advice, the consultants to and consciences of the profession--folks like Mark Tibergien, Don Trone, Chip Roame, our own Bob Clark, and the aforementioned pony-tailers Veres and Gluck--continue to tilt at windmills and provide the business metrics that are turning a profession into a business.

Finally, this club of 25 includes four planners who are handling the vexing challenges of a profession with insight, grace, and bold action. As I'm sure the members would agree, this club stands on the shoulders of the giants who led the profession to its healthy current state, and will walk into the future along with the thousands of women and men who try to run their practices like businesses, while following ethical guidelines that ensure the client will always prosper first.--James J. Green

James Barnash

Currently serving a one-year term as president of the Financial Planning Association, Jim Barnash, a 51-year-old CFP from Chicago, sees his most important function as making sure he "keeps the bus on the road" and continues the work of his predecessors in carrying out the FPA's mission of advancing the profession. "I think at this point we could say the profession is in its adolescence," he says. "Now we have to build up the industry."

One of his goals as FPA president is to help the association operate more professionally and efficiently. "I come from more of a corporate background than some previous presidents," he explains, adding that his experiences in a large firm can help him bring a new perspective that can be helpful for FPA in building its internal systems.

Barnash also has a day job: he is managing director for the Chicago Regional Planning Group of Lincoln Financial Advisors Corp.--Robert F. Keane

Tony Batman

Stephen A. "Tony" Batman isn't the Caped Crusader, but he is somewhat of a superhero in the dimension of broker/dealers. The 49-year-old Dallas resident can list a string of alphabetic credentials after his name, including CFP, CPA, and CEO. The last refers to his position as chairman and co-founder of 1st Global Inc. The reason he made the IA 25 is the missionary zeal he's brought to his two terms as chairman of the Financial Services Institute, the trade group for independent broker/dealers.

"What FSI wants is a fair and balanced playing field that more than adequately protects consumers against predatory practitioners and unethical firms, while allowing the vast majority of us who show up with integrity every day to do good things for clients," he enthuses. "We also want more teeth to purge the bad people out of this industry."

To realize those goals, Batman has spearheaded a multipronged effort to get FSI members more involved with NASD governance and in the commentary and vetting processes for rule and regulation proposals. He's also worked with the FSI to build individual membership within the B/D community. "Those financial commitments are fuel for the rocket," he says, noting how expensive advocacy can be in America.--Robert F. Keane

Jessica Bibliowicz

Any list of the big issues that challenge advisors today would have to include dealing with competitive pressures, giving clients access to a wide range of products and services, gaining operating efficiency to improve profit margins, and finding a way to retain your value to clients while cashing in on the years of sweat equity needed to build your practice. Jessica Bibliowicz's National Financial Partners competently sits astride all those issues, and over the past six years has gathered unto itself 150 acquired companies and almost 200 affiliated firms, all while successfully going public.

As chairman, president, and CEO, Bibliowicz, 45, says National Financial has "balanced independence with scale" for its acquired and affiliated firms, which she describes as companies that are already successful and want to continue to grow. While NFP encourages clear succession planning in its acquired firms, its model is not for those who want a quick exit: owners receive cash and NFP stock upon selling, but they also sign a management contract that makes it worth their while to continue to grow the company. So far, most of the acquired firms are insurance practices; RIAs constitute 13% of the business. One sign of NFP's growth: this spring, it signed a deal to acquire Highland Capital, a company that had followed a similar strategy to NFP, and had acquired some 21 brokerage general agent offices.--James J. Green

George W. BushGeorge W. Bush

Support for President George Bush's plan to revamp Social Security using private accounts is, to put it mildly, waning. Republican Congressmen who took to the road with the president earlier this year to tout private accounts were confronted with a public that wasn't buying the idea. Chip Roame, president of Tiburon Strategic Advisors, says Bush deserves kudos for bringing an issue like Social Security "to the forefront." Bill DeReuter, assistant director of government relations at the FPA, says Bush's biggest challenges now are fixing Social Security and Medicare. Bush, 57, "could then bring up personal accounts as part of, or outside of, Social Security." Moreover, Bush is moving ahead with his plans to explore tax code reform and make permanent those tax cuts that he pushed through in his first term.--Melanie Waddell

Bob ClarkBob Clark

There's no shortage of industry observers who are happy to supply their opinions on financial planning. There are also plenty of data gatherers who focus on the profession. But there's only one Bob Clark, who combines a passion for the promise of planning with access to a trove of hard information on the industry and with the healthy skepticism honed by decades of covering the profession for Investment Advisor and other publications. Clark, 50, believes "the real job of a financial planner is to protect clients from the financial services industry," and "to see through the marketing hype." Planners must decide whether they are "part of the distribution network, or are on the client's side." He is optimistic about the future, saying "we're getting close to a financial planning profession," but warns that the nascent profession is also at risk from Washington, whose denizens may "initiate some massive regulation of advisors that could change everything."--James J. Green

Joe DeitchJoe Deitch

If you are a broker/dealer rep, Joe Deitch, 54, has some bad news and some good news. The bad news, says Deitch, CEO of Commonwealth Financial Network, is that the industry is seeing "enormous downward pressure on fees and commissions, coupled with increased regulatory requirements." The good news is that the B/D business is adapting by moving from a product focus to a wealth management model, coupled with technology to make advisors more efficient and effective.

That approach seems to be working for Commonwealth. By focusing on higher-end advisors and "throwing all our energy into providing them with technology," Commonwealth has grown to $30 billion in assets and 980 reps.

Deitch is now making a "major push" to host technology such as e-mail, CRM, and back-office applications so that advisors will be able to spend more time working with clients.--William Glasgall

William Donaldson

When future observers recall Bill Donaldson's legacy as chairman of the Securities & Exchange Commission, they will utter two words: regulation and compliance. While most advisors and industry officials agree the scads of SEC regulations over the past two years have been onerous, they stop short at saying Donaldson, 73, is doing a bad job. "I think Donaldson has been a very good chairman at a very challenging time," says David Tittsworth, executive director of the Investment Counsel Association of America. Tittsworth says it was Donaldson's "swift and aggressive" moves in reining in shady practices at mutual fund firms that stopped Congress from issuing sweeping reform legislation for funds and advisors. The regulatory environment could "have been a whole lot worse . . . if Donaldson hadn't stepped up to the plate," he says. Michael Tannenbaum, with the law firm Tannenbaum Helpern Syracuse & Hirschtritt in New York, hopes the SEC will have the resources to follow through on registering hedge fund managers. But Donaldson may not be at the helm too much longer: Insiders speculate he may leave the Commission by the end of 2005.--Melanie Waddell

Sheryl Garrett, Garrett Financial NetworkSheryl Garrett

Sheryl Garrett knew something was amiss when the minimum annual amount that she and her partner were charging clients in their fee-only planning and asset management practice climbed from $2,500 to $4,000 to $7,500. "That pulled at my heartstrings," she recalls, noting that the high fees were pricing her services out of the reach of middle-class consumers. "I strongly believe that everybody should have access to competent financial advice," she says. "Most folks can't afford a full-time financial planner, but have questions about money all the time."

Garrett's answer to this quandary was to launch a new practice model in Overland Park, Kansas, in 1998. Instead of offering planning and asset management, it featured only one service, financial planning, which clients pay for by the hour.

The new practice begat the Garrett Planning Network, which licenses her system to advisors with the same mindset. Planners, who must be RIAs, pay $7,500 to join and $1,200 to continue their affiliation. With her network expanding to 245 members, up from 200 in 2004, and her other career as author, speaker, and expert witness occupying more and more of her time, Garrett, 42, gave up serving clients herself this year.--William Glasgall

Andrew Gluck

Andy Gluck sits at an interesting junction of the profession. As a journalist who has spent years sharing his reporting with Investment Advisor readers, Gluck analyzes the technology tools that advisors use to stay efficient and competitive. But Gluck, 49, wears another hat: he's the president of Advisor Products, a company he founded that supplies technology, compliance, and marketing solutions to independent advisors. He's a bit uncomfortable with his transition "from being a reporter to a vendor," but it serves his readers well. In trying to meet the needs of his clients, he knows the challenges that his independent advisor readers face, and he understands what it means to be an entrepreneur competing against deeper-pocketed companies. Gluck sees a mixed future for advisors. "Everybody [custodians and broker/dealers] wants to build platforms" that include portfolio management, CRM, and financial planning applications, but he worries over what these integrated, near-proprietary platforms will do to advisors' independence. He suspects that B/Ds "will segment according to the level of control they have over their reps."--James J. Green

Alan GreenspanAlan Greenspan

Alan Greenspan affects all matters financial. With his term as chairman of the Federal Reserve Board set to expire in January 2006, will he be reappointed? The likely answer is no. After 17 years at the Fed, industry watchers say Greenspan, 79, is ready to pack it in. Greenspan has been a steadfast supporter of President Bush's plan to privatize Social Security, prodding Congress to act fast in fixing the ailing federal system as well as Medicare. Greenspan "has a big following across party lines, and he is truly on the side that [Bush's private accounts] are a good idea," says Chip Roame, president of Tiburon Strategic Advisors. But with his term ending soon, "his impact may lessen." Indeed, it was Greenspan who suggested that the Administration fix Social Security by indexing Social Security based on the consumer price index (CPI), instead of on changes in wage rates.--Melanie Waddell

Bill Gross, PIMCOBill Gross

"When you're managing $450 billion," Bill Gross confesses, "it's tough to outperform the market by one percentage point." Yet Gross, who has steered PIMCO through the bond market's often bumpy road for 34 years, says that in 2005 he is "right on track for another 100-basis-point year." Given his past performance, Gross isn't bluffing: Standard & Poor's figures that his Total Return bond fund has bested its peers by an impressive 158 basis points annually, on average, over the past five years.

Gross, 61, has built a following among advisors not only due to his record, but also because he knows where they come from. Gross started PIMCO as an institutional asset manager in 1971 and continues to connect with advisors three or four times a year at conferences he holds at his California headquarters.--William Glasgall

Scott Hanson

"I have two different businesses," says Scott Hanson, 38, founding principal of Hanson McClain, Inc., the Hanson McClain Retirement Network, and Liberty Reverse Mortgage in Sacramento, California. "We work in the retail area doing financial planning and investments for individual clients, and we have a consulting business where we help other advisors grow their practices."

The advisory portion of the business consists of Hanson, partner Pat McLain, seven other CFPs, and more than 20 support staff, including a four-person marketing department to serve about 3,000 clients and their collective $900 million in assets. "We're all on salary," Hanson explains. "No one has a bonus plan based on individual fee production. We're all after the same goal, serving our clients and increasing our business."

"There are a lot of wonderful financial planners and investment advisors, but a lot are terrible marketers," Hanson says. "I think the business is going to undergo continued consolidation and specialization," he observes. "The independent advisor who is not focusing on specializing is going to have a hard time competing."--Robert F. Keane

Chet HelckChet Helck

On March 31 of this year, at a Senate Banking Committee hearing on mutual fund sales practices, Chet Helck proclaimed, "The interests of investors must come first." For Helck, president of Raymond James Financial Inc. and chairman of the Securities Industry Association's Trust and Public Confidence Committee, the statement was more than a speechwriter's boilerplate. As the head of a 3,400-rep independent broker/dealer and custody business that was founded on financial planning principles, Helck, 52, is acutely aware of the conflicts advisors should avoid when serving clients.

To be sure, Raymond James is currently fighting SEC charges that it failed to supervise a former broker accused of cheating investors out of more than $16 million. "This case was a deeply disturbing event and we learned from it," Helck concedes, adding that his firm has beefed up its technology and management structure to "help ensure ethical conduct." Helck has taken an unusual step in light of the long-running dispute over reps providing advice in fee-based brokerage accounts: he is moving Raymond James's fee-based brokerage customers--"thousands of accounts"--into advisory accounts--the ones with formal fiduciary standards.--William Glasgall

George KinderGeorge Kinder

George Kinder laments the focus on money in the financial planning business. That's not a contradiction to Kinder, 57, who co-founded the life planning movement and has seen it gain prominence among advisors looking for an alternative to the traditional quantitative approach. Despite his movement's advance, too many advisors continue to "focus on more, rather than on what people want," Kinder says. "You need to focus on the heart, make a plan that really works, and work with clients as coaches to make sure their plan is accomplished."

Kinder has spread the word about life planning through his 1999 book, The Seven Stages of Money Maturity, and the Kinder Institute of Life Planning, which puts advisors and even consumers through programs ranging from a couple of days to a more intensive course coupling five days of training with four months of mentoring by a veteran life planner. Kinder and institute CEO Susan Galvan are working on a book about their training process.--William Glasgall

Ellyn McColgan

The first member of her family to graduate from college, much less earn a Harvard MBA, Ellyn McColgan has long been known for a keen competitive spirit that has taken her into the upper reaches of the financial services industry. As president of Fidelity Brokerage Company, McColgan, 51, is responsible for serving retail clients, RIAs, family offices, banks, and independent broker/dealers that clear through Fidelity's National Financial subsidiary. That adds up to 14.3 million clients, $1.1 trillion in assets, and a clear desire to dethrone Charles Schwab and Bank of New York's Pershing unit from their respective market-leading positions in advisor custody and clearing.

McColgan does have momentum on her side. In the clearing business, "National Financial has experienced tremendous growth," she points out, noting that the unit went into this spring with 267 clients, up 71% since 2002; it will add another 142 with the purchase of Fiserv's clearing unit.

Meanwhile, McColgan is shaking up the Fidelity Registered Investment Advisor Group (FRIAG) after ousting longtime head Jay Lanigan. Although the unit now has $138 billion in assets, up by more than a third from 2003, "We need to grow faster," she says. "I want to get this business to two or three times where it is now. I want to beat Schwab."--William Glasgall

Chip RoameChip Roame

Chip Roame's mom, Betty, recalls that her son always had a mischievous side as a kid growing up in Farmington Hills, Michigan. Roame is 39 now and runs his own consulting business, Tiburon Strategic Advisors, in the tony waterfront suburb of Tiburon, California. But he still enjoys poking holes in the common wisdom of the financial services industry, a trait he honed with service at McKinsey and Company and Charles Schwab before he set out on his own. "We spend a lot of time getting through the hype and myths," he says. "I don't believe what people say about where the industry is going. I believe in the data and what it says."

Roame has been hitting the lecture circuit lately with a provocative speech on the future of advice. He paints a picture of opportunities for independent advisors: $2.1 trillion in IRA rollovers between now and 2010, and $500 million annually thereafter. Roame notes, however, that "the playing field is already crowded, and the competition is becoming more substantial," especially for small advisors. That means advisors must adopt such strategies as targeted marketing and gain a greater understanding of clients' current and future needs.--William Glasgall

Todd RobinsonTodd Robinson

If you want to build a true business, consultants to advisors recommend, ironically you must make yourself less important to your practice. Give real power to your partners and subordinates, and institute policies and procedures that don't rely on your charisma, because over the long run that's the most efficient way to help your practice thrive. If that's tough medicine for many advisors, imagine how difficult it must be for the founder of an organization with more than 6,000 affiliated advisors, one million client accounts, and $1 billion in annual revenue. That's just what Todd Robinson of LPL did this past year, and it seems that this highly successful independent broker/dealer is more successful than ever. Robinson, 48, is nearing the end of a one-year sabbatical he took for family reasons, and during his absence, president and CEO Mark Casady, 43, has led LPL to new heights--including that $1.1 billion in revenue for 2004. While Jim Putnam, national sales manager, says a third-party survey sponsored by LPL of its reps this year found a 94% satisfaction rate, the esteem in which its competitors hold LPL is perhaps an even greater testament to Robinson, Casady, and LPL.--James J. Green

Charles SchwabCharles Schwab

Chuck Schwab's inclusion as a member of the premiere IA 25 in 2003 was a foregone conclusion. The founder and chairman of the Charles Schwab Corp. pioneered financial service innovations in the 1980s and '90s that helped make possible the independent financial planning profession as we know it today. He's back on the list this year partly because he took back the reins as CEO last year after the ouster of David Pottruck, and partly because Schwab Institutional continues to be the leader in providing custody, trading, and various forms of business support to independent fee-based advisors--some 5,000 at last count--who custody $352 billion in client assets.

As for Mr. Schwab himself, he wants his company to be "the ethical brokerage firm for individual investors and their advisors" (see sidebar, page 66), serving those advisors through "Debbie's business"--that's Schwab Institutional chief Deborah McWhinney. After taking the reins, Schwab, 67, instituted a reorganization under which the company cut costs and sold its capital markets business. In announcing the somewhat austere year-end results for his company this January, Schwab said "we have refocused on our core strategy of meeting the needs of individual investors and the independent advisors who serve them."--James J. Green

Eliot Spitzer

Eliot Spitzer has been described as a tenacious watchdog of the financial markets and financial services industry. There's no doubt that he's earned such accolades. As New York State Attorney General, Spitzer has exposed illegal trading by mutual fund firms, corrupt practices among stock analysts, and bid rigging in the insurance industry. Some observers say his actions prompted Congress to enact Sarbanes-Oxley, the corporate reform bill. His accomplishments may even propel Spitzer, 45, into the governor's mansion in Albany: he announced earlier this year that he is running for that position. Spitzer's "impact at times is painful, but ultimately may turn out to be quite favorable," says Michael Tannenbaum, with the law firm Tannenbaum Helpern Syracuse & Hirschtritt in New York.--Melanie Waddell

Greg Sullivan

Greg Sullivan, 47, has an excellent vantage point from which to view the profession. The Virginia CFP is president and CEO of Sullivan, Bruyette, Speros & Blayney, Inc., a firm he co-founded in 1991 and which is now a subsidiary of Harris Private Bank. SBSB has financial planning, an investment management, and tax preparation divisions, and manages about $1.4 billion for more than 700 clients.

"The biggest challenge facing the profession is having enough qualified people out there to meet the demand for consulting advice," he offers as an assessment of the future. "The demand is incredible." He notes, too, that the lack of qualified people is as much a public issue as it is an industry one. "We get calls from people all over the country who don't know where to turn to find somebody who's independent, objective, and experienced."--Robert F. Keane

Sarah Teslik

A conversation with Sarah Ball Teslik goes to some interesting places, as her nimble mind addresses subjects as diverse as "neuroeconomics" and the anatomy of the brain (to help understand why Americans are such poor savers), to a surprisingly good USA Today cover story on why Americans should go on a "financial diet," to the more mundane task of automating standard processes (to benefit new and existing certificants) at the Certified Financial Planner Board of Standards, which she joined as CEO six months ago. Teslik, 51, promised when she took the job that she would first get the CFP Board certification trains to run on time. Now that she seems to have accomplished that task, the Board is reviewing its code of ethics, and she's also getting ready to address the two other professed goals in the Board's mission statement: creating awareness of the importance and value of financial planning; and helping underserved populations gain access to competent planning. There's plenty of information readily available about financial planning, she points out, but "what's missing is stuff that works." Finding "what works" and delivering it to people other than "those with $2 million in assets is an appropriate role for us," she argues, because "we exist to protect the public [which] is not being adequately helped."--James J. Green

Bill Thomas

Three of the most pressing issues facing Congress this year are fixing Social Security and Medicare and tax reform. As chairman of the House Ways and Means Committee, Rep. Bill Thomas (R-CA) will play a pivotal role in each. Thomas, 63, drafted President Bush's Economic Growth and Tax Relief Reconciliation Act (EGTRRA) of 2001, and has "suggested using a value-added tax to help pay for health care costs and medical costs, which is similar to how some European countries pay for theirs," says Bill DeReuter, assistant director of government relations at the FPA. Thomas's term as chairman is set to expire in two years, and Rep. Jim McCrery (R-LA), chairman of the Ways and Means subcommittee on Social Security, is the odds-on favorite to replace him. McCrery has remained neutral on whether he approves of President Bush's private accounts. But if Congress is in the thick of reforming Social Security, Medicare, or taxes, "there is talk of exempting Thomas from having to give up the Ways and Means chairmanship," DeReuter says.--Melanie Waddell

Mark TibergienMark Tibergien

Mark Tibergien may speak softly, but he carries the big stick of experience and insight into the structures that are necessary to build and operate successful financial planning practices, and then transform them into real businesses.

Tibergien, 53, is the partner in charge of the securities and insurance niche at Seattle-based CPA and consulting firm Moss Adams, but over the past thirty years, he's become the authority on how to make a business out of a practice, providing practical advice in his writing in Investment Advisor, in his books, and in his consulting work to advisory firms.

"Just like every profession driven by a need," he says of financial planners, "you attract a lot of individuals who are almost evangelical about what they're providing, and think less about the business side." From a financial management standpoint, "the single most important thing [advisors] need to pay attention to is the gross profit margin, which most don't even account for." Tibergien voices concern about "a real talent shortage" and "capacity management: the typical advisor is drowning in opportunity and is having difficulty in both managing clients and managing the business." Finally, with the cost of business going up, Tibergien believes successful advisors must reach a "critical mass," and apply some logic to their pricing structures.--James J. Green

Don TroneDonald Trone

When Don Trone launched the Center for Fiduciary Studies in Pittsburgh in 1999, the bull market was raging and Wall Street's dirty laundry had yet to be revealed. That didn't keep him from pressing toward his goal of teaching folks about the duties they must assume when they handle other people's money, however. Since those early days, Trone has trained 3,000 advisors, asset management industry executives, pension fund trustees, plan sponsors, and even the occasional consumer who's become a trustee.

Trone, 51, first got interested in the nature of fiduciary standards 25 years ago when he got fleeced buying his first home. "I was hoodwinked when the mortgage broker absconded with $3,000," he recalls. "I decided to teach myself about investment law and it grew into a passion."

Despite his efforts, Trone believes the financial services industry still has a lot to learn. The Securities & Exchange Commission's vote to continue fee-based brokerage accounts means "the core question has not been answered," he says. "What is the standard of care a client should get when receiving comprehensive and continuing investment advice? There has to be a fiduciary standard of care."--William Glasgall

Bob VeresBob Veres

Bob Veres lives and breathes the future of financial planning. As editor and publisher of Inside Information, Veres, 54 and a self-proclaimed "helluva" basketball player, provides his 1,600 subscribers with a stream of monthly e-newsletters, weekly media reviews, and lengthy commentaries. Veres's modest subscriber roster belies his influence among the profession's elite, especially the fee-only set. Indeed, he describes his customers as "everybody in the financial planning profession who thinks and reads."

Veres thinks the SEC's recent vote to permit fee-based brokerage accounts to continue will quickly "cleave the financial planning profession in two--those who are fiduciaries and those who are not. All the advisors who take commissions are going to have to figure out which side they are on." Veres also sees major changes ahead for the relationships RIAs have with their custodians. In five years, he predicts, mutual funds will trade on electronic order-matching systems, much as stocks do today, custody will become a commodity, and it won't matter which custodian RIAs affiliate with.

In his spare time, Veres has been working on a novel, entitled Song of the Universe, which features a financial planner as its hero.--William Glasgall

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