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MoneySense Q1 Where To Invest In · March 7, MoneySense 0 · SM Cinema Takes the Captain Marvel Launch to the Sky This February. Money sense for teens. Ages Where does your cash come from? If you aren't already getting a weekly or monthly allowance to cover some of your basic . Go to First Page Go to Last Page. Rotate Clockwise Rotate Counterclockwise. Enable hand tool. Toggle Sidebar. Find. Previous. Next. Page: of 4. Presentation .

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I hope you enjoy this special edition of MoneySense magazine. In it, we have packaged up some of great stories that have run in recent issues, with a focus on . Canada's Best Credit Cards · Top 50 stock picks for · Best robo- advisors in Canada · Best U.S. Stocks for · Best Robo-Advisors in Canada. Money Sense for Kids by Hollis Page Harman, P.F.P. Page ii. ACKNOWLEDGMENTS.

Saving and investment. I've made you a sample "What do I like? The prefix letter, as we just learned, identifies the Federal Reserve district. The back of the dime carries the liberty torch with olive and oak branches symbolizing victory and strength. If you want your money to grow faster, you'll move it out of the jars into various types of accounts. Maybe something you like to do or make is also something you can sell or charge people for. Less than a year after Franklin D.

Count the letters and numbers in the serial number. The number now has 11 in allan extra letter was added to the prefix. You can tell those stories to other people. You can make the bill come alive for your listeners, and they will tell the bill's story to other friends. On and on it will go. You use coins to make change for dollar bills.

Money Sense for Kids!

You probably need coins to use a pay phone and maybe to get a drink from a vending machine or to buy milk in the school cafeteria. We may use coins every day, but we probably don't look at them closely very often. There's one coin where the head faces right. Without looking at your money, do you know which coin it is? It's the Lincoln penny. They are: The front of the coins shows only portraits of U. The reverse side of the coins shows buildings, seals, or symbols, just like bills.

The Lincoln penny was issued in to commemorate the th anniversary of Abraham Lincoln's date of birth. On the back is an imprint of the Lincoln Memorial. In , artists competed for the honor of designing the nickel. Thomas Jefferson's portrait was selected for the face and his historic home in Virginia, Monticello, was chosen to be featured on the reverse side.

Less than a year after Franklin D. Roosevelt's death, on what would have been his birthday, January 30, , the dime with his likeness on the front was issued. The back of the dime carries the liberty torch with olive and oak branches symbolizing victory and strength.

This is the same torch held by the Statue of Liberty. George Washington's portrait was selected for the face of the quarter to commemorate his th birthday. The reverse side depicts the bald eagleour national bird since After John F. Kennedy's assassination, President Lyndon Johnson authorized the Treasury Department to mint the 50cent piece with Kennedy's image. He was our youngest president. On the back of the coin is the Presidential Coat of Arms. Roosevelt Torch with olive and oak branch Quarter.

The Dwight D. Eisenhower dollar coin was replaced in by the Susan B. Anthony dollar coin, which hasn't been minted since and is no longer in general circulation. It honors the famous women's rights leader who helped women get the right to vote. In , the Nineteenth Amendment granted women the right to vote. I have gotten Susan B. Anthony dollars as change from the stamp machine at the post office.

If you find one, hang onto it; keep it for your kids. Be on the look-out for gold-colored dollar coins. As soon as the supply of Susan B. Anthony coins is depleted, a new goldish coin will circulate. It too will depict a woman. The design that was recently proposed is of Sacajawea, the Shoshone Indian guide who led the Lewis and Clark expedition through the Northwest in It will also have a distinctive edge to distinguish it from the quarter.

Did you know the different ridges on our various coins also help blind people identify certain denominations? State Quarters In , new commemorative quarters were issued. The front of the quarter with George Washington stays the same.

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But the bald eagle on the reverse side flies away until to be replaced by 50 different images: Here is a preview of the first five states' designs. Pennsylvania shows the mythical figure of the Commonwealth in an outline of the state's borders. Connecticut honors a white oak in winter, which stands for the state's freedom from the British. Georgia depicts the peach inside the state's boundaries, with the state motto, "Wisdom, Justice, Moderation. In a February press release, Governor Paul Cellucci said, "Soon, kids from North Carolina to California will pull a coin out of their pockets and find a symbol of Massachusetts created by someone their own age.

This quarter will carry the pride of Massachusetts, our history, and our youth all across the country. We may add 50 state stories to our knowledge of American history, as well as 50 different works of art to carry in our pockets. Show and Tell These five phrases are stamped on every American coin. See if you can find each on your coins. You may need a magnifying glass for this next task.

Find any nickel. Turn it "heads" side up. Look under President Jefferson's collar, where the lower edge of his collar meets the rim of the coin. Do you see the capital letters "FS"? These are the initials of Felix Schlag. He's the medalist who carved Jefferson's head in Now find a dime, our smallest coin.

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The president on the dime is Franklin Roosevelt, our thirty-second president, who was in office from to Follow President Roosevelt's chin down to the tip of his neck. Do you see the letters "JS" a little bit to the right? They're the initials of John R. Sinnock, who carved the head on the dime that was issued in Some coins have a mint mark near the date.

The Denver and Philadelphia mints produce most of our coins for general circulation. The Denver Mint produces about 32 million coins of all denominations daily. The San Francisco Mint produces mainly commemorative coins that honor events, people, or places. They are the kind collectors buy for long-term profit.

The West Point Mint produces some of our uncirculated investment-grade gold, silver, and platinum coins. Old Coins Many years ago, my grandmother gave me a few silver dollars. When I found them recently, I looked at the dates and the mint marks. One was minted in with a D for the Denver mint. Just for fun, I looked it up in a coin book.

You'll be surprised at what you will find. The very old ones will increase in value every year just as my grandmother's silver dollars did. Since coins are metal, they last a long, long time. In contrast, bills wear out. The older the coin, the more history it has. It can teach us about history, geography, and art.

When we look at the date it was minted, we can ask ourselves these questions: Could this very coin have been held by Andrew Jackson or Ulysses S. Could it have been in Lincoln's pocket when he delivered the Gettysburg Address? Or was it with Lewis and Clark when they left to explore the Northwest in ? The answer is YES! If only these old coins could talk, imagine the stories they could tell.

Some of these old coins are only found in collections or coin stores. The hobby of collecting coins is called numismatics. Here are some interesting examples of collectible coins. Silver Dollar "P" Nickel After the Japanese attacked Pearl Harbor in , our supply of nickel ran low because the government needed the metal to make war materials.

So President Roosevelt told the U. Mint to make 5-cent coins from a mixture of silver and other metals. See if any of your nickels are dated , , , or Then look at the reverse side of the coin and see if there's a "P" for Philadelphia, where they were minted under the Latin phrase E Pluribus Unum.

If there is, you have one of the only silver nickels ever made in the United States. My daughter found three of these just by looking carefully. She didn't even use a magnifying glass. According to collectors, these are the most popular of all U.

They were last minted in I'll bet you can find some of these. Wheat Penny The Three-Legged Buffalo Nickel In , when the three-legged buffalo nickels were minted, the die that stamped the buffalo got damaged. The man who was pressing the coins tried to fix the die and accidentally filed away one of the buffalo's legs. He kept stamping away because he had a deadline to meet.

The coins went into circulation before anyone knew he had made a mistake. See if you can find one of those. You can tell their stories to your friends and family. Ask them to find the engraver's initials on coins. Explain the plate number on each bill. Show them how beautiful each bill and coin isa lot of people may not have taken the time to look.

You know what money looks like and how it feels. The next step is to have some of your very own. How can you add to the collection you started way back in the introduction? That money wants a friend. Like me, you may have passed it by. But now you pick it up and look at it.

You may find it in the sofa cushions, near the curb, or on the sidewalk. Does it belong to someone? If not, you just got lucky. Some days you may find several coins and other days you may find none. But it's fun to think about walking out the door and seeing what you may find. Here are a couple of true stories about finding money. The Lucky Penny I ride my bike a lot.

As I ride, I see coins on the pavement. I used to ride over them. Now I stop. I can't wait to see what I've found. Most of them are beat up pennies. Cars and trucks have driven over these coins, making them even more special to me. I think they're lucky. It's my collection of battered coins. If someone admires one of them, I show them what I know about it and give them the coin.

Sometimes I find two pennies during my bike trip. That's really exciting. I give one away to someone I meet on the road. I pass the luck on to another person. It feels great. We were shopping for a birthday present for a preschool friend.

Max, who was a few steps behind me, caught up to me. He was waving an open white envelope. Very happily and loudly, he announced, "Mommy, look what I found! Big bucks! I was as excited as Max, but because I'm older, I realized that this was "found money. So we marched up to the customer service desk and told the man behind the counter that we'd found some money. He said, "Give it to me and I'll keep it in the safe until someone claims it. The man behind the desk?

But Max was the one who found it. I'll give you our phone number and if someone comes and says he has lost some money, he can call my son and tell him how much he lost. Otherwise, it's Max's money. There's a famous old saying, 'Finders keepers, losers weepers. No one ever called.

Max now had a nifty fifty of his very own. Another way to add to your growing coin collection is to ask for money. Here are a couple of ideas. Allowances If your family likes the idea of allowances, ask for a reasonable amount of money each week. Find a happy balance with your parents. They might want you to do a few things around the house in exchange for this allowance. They might just give it to you and suggest what you might buy with it. In our home, an allowance is like a grown-up's paycheck.

We keep a chart on our refrigerator. They look at the chart all the time to make sure they are even. And they refer to it to see whose turn it is to do a job next. They put their initials next to the jobs they have completed. The chart is helpful, and it's a foolproof reminder. The jars keep your money organized while it's at home. Here's what each jar is for: NOWTake this money out any time and spend it on anything you need. Or want! Or better yet, share some of your money with someone less fortunate.

Don't spend this every week. Let the bills add up in here for a while and use them to buy a big item that you feel you want or think you need. It's hard to wait, I know. But you'll be glad you did.


It is for savings only. You'll make it grow and then you'll use it for big expenses or purchases in the future. Maybe you'll use it to help pay for college. Maybe you'll buy a car when you're old enough. Maybe you'll get someone you love the best present in the world.


Gifts Here's another way to add to your jars. Every year you have a birthday. For a birthday present, ask your grandparents or your parents to give you some money for your long-term jar.

There are also holidays during the year. You might want to put money on your list of gifts to receive. That will give your family a choice of what they decide to give you. Some of what you ask for will also go into your long-term jar. Are you watching the jars get full? This is how you save. Add a little bit to each jar often. We'll talk later about ways to grow what you've saved. Finding and asking for money are easy.

But you still may end up with nothing. Keep looking and keep asking. However, one certain way to find that special coin or bill a friend is to earn it.

If you do a job well for someone who will pay you, you will surely end up with money. The sooner you have some money, the sooner you can use it to make more. So whatever you decideto wait for found money, to ask for money, or to earn itjust begin. Do it now. Then ask them if you could ask your neighbors if you could do odd jobs for them.

If they say yes, you're on your way to increasing your cash. The next question is how to earn it. Discuss these next ideas with your parents in advance. Make sure they approve. After all, they have experience.

They might have other ideas for you to try. They might say no to some of what's listed below. Put your ideas together and figure out how you can use them to make money. Maybe something you like to do or make is also something you can sell or charge people for. Sell Something Stuff to sell: Soda cans. You can collect these and sell them to a company that recycles metal. Some states make buyers pay a deposit that they get back if they return the bottle. But lots of people throw the bottles out anyway.

Collect them, return them to the store, and pocket the change. Outgrown clothes, books, and toys. Make sure your parents agree with this idea. Have a garage sale of all the stuff you've outgrown. Ask your friends to bring over their outgrown items. Offer to sell items for your neighbors. Have a big sale. Check for rules about sale permits in your town. Some of you may have collected baseball cards, Barbie dolls, virtual pets, and other toys.

You'll have to do some homework to find out how much to charge. Stuff you make. Do you love arts and crafts? Make pressed flower notecards, lanyards, recipe holders, or anything else you think someone might buy. Stuff you bake. You can make birthday cakes, cookies, brownies, or chocolate sauce. Here are several ideas.

Find out what the going rate is for the job. Ask someone who babysits, for example, how much to charge per hour. Another idea is to ask the person who needs the job done what the work is worth. Make sure the person knows how much time you will need to do the job well and explain exactly what you'll do. If you've done the job before, tell your new customer how much you got paid last time. Remember, for some jobs, experience counts. Going back to the babysitting example, you can charge more if you've done a lot of babysitting.

If you agree to do a job, make sure you arrive on time and do the job well. A responsible worker is a valuable worker. The person you are working for may want to tell others what a terrific worker you are. Do you know what that means? It may mean more jobs if you want them.

Let's say you've done such a good job that two different neighbors want you to work the same day. But you can't possibly be two places at one time.

Plus each job will take a full day. What do you do? Here's one suggestion. Have a friend help you so you can do both jobs in one day. Then pay your friend for helping you. Many adults started building their work skills when they were your age, doing the same jobs you can do now.

They proved at an early age that they were dependable, organized, motivated, and willing to try. Here's a list of jobs grownups do and how much they are paid to do them. The magic of money isn't just having it sit there in a jar. The magic is making it grow. Over the long term, there are different ways to make it grow. I'll begin to explain them to you by comparing them to bikes.

You need to know about the idea of risk, too.

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Risk means the chances you take. With both bikes and money, the faster you go, the greater the risk. Bike Comparisons There are lots of different kinds of bikes. Some are very easy to ride, and you probably won't fall off and hurt yourself.

These bikes, though, won't take you very far or very fast. Others are harder to ride and go faster, but you have a greater chance of crashing. Making your money grow is similar to riding a bike.

Some ways of making it grow are easy and safe. You won't earn a lot of money, but you probably won't lose any. Other ways are riskier. You might earn a lot more money, but you may also lose it all. When you were very small, you may have had a baby bike. It had a flat base, no wheels, and no pedals.

It stayed in one place and rocked back and forth. You could belly flop on it and get a great safe ride. As long as you keep the jar in a safe place, you're not going to lose any money. But the only way you can increase the amount of money in the jar is to put it there yourself. Pretty soon after you learn to ride a baby bike you go on to a tricycle. The tricycle goes faster with less effort because the pedals do some of the work for you.

But because you're going a little faster and are higher up, you could fall more easily. Putting your money in a savings account is like riding a tricycle. You'll make more money because you'll earn interest we'll talk more about interest, but basically it's money you get in exchange for letting someone borrow your money for a while. You won't lose any money either, because money you put in the bank is protected. But you won't make as much money as you would if you invested your money in something riskier.

After a while, you see the kid across the street riding a bike with only two wheels. Now that looks exciting, you think. So you get a two-wheeler with training wheels for stability and a bike helmet. Off you go. Now you can go faster. You have to watch where you're going because you're traveling further and faster. Maybe you're allowed to ride to the stop sign at the end of the block. Buying bonds is like riding a two-wheeler with training wheels. We'll talk more about bonds, but basically a bond is another way to loan money and earn interest.

With a bond, you'll probably earn more than you would with a savings account. But you can't be sure. There's a chance you could lose money, too. After a few more trips to the stop sign, you decide you don't need training wheels anymore.

So your parents undo the training wheels and off you go. You pull back into the driveway having had the ride of your life. Now you know how your parents feel on their road bikes. You look forward to riding a bike with skinny tires and lots of gears and wearing shoes that clamp your foot to the pedal.

That's risky riding and falling could be painful. Two-wheelers are like mutual funds, which are a balanced mix of different investments. A road bike is like stock. A stock is a part of a company that you can buy. If the company makes money, your stock is worth more. If your company loses money, your stock is worth less. Both are riskier, but the chance to make a profit can be far greater in a shorter amount of time. Would you like to know how long it will take to double your money if you keep it in the bank?

Look in the right column. It's called the Rule of I'll show you how to find this number when I teach you how to use a calculator in Chapter 9. Which investment doubles your money fastest? If you want your money to grow faster, you'll move it out of the jars into various types of accounts. To open any of these accounts, you will need your social security number. Let's see if you have one. If you already have one, you can skip this chapter.

Get out your calculator, and go on to the next chapter. Social Security numbers are given out by the government. It's your identification number. You'll use it for the rest of your life. No one else has the same number.

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Right now you need it to open a bank account or invest your money. Sample Social Security Card The first thing you will need is an application. You can request one by calling Ask your parents or guardians to help you with this.

You'll reach a recorded set of step-by-step directions. Be prepared to answer five questions; the questions are: The address is www. After you've dialed in to the site, go to ''Forms," then "Application for Social Security card SS-5 ," then download the form with the directions for filling it out. When you return the application, you'll need to send along proof of your identity, U. You can use a copy of your birth certificate plus your report card or a copy of your health record from your doctor's office.

Ask your parents for help in getting these forms and have them double-check your work. Memorize the number. This is an important document.

Keep it in a safe place, like in your long-term jar or with your family's important documents. Remember to take it with you to the bank; they need this number to open your account.

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Is money also math? Yes, it can be added, subtracted, multiplied, and divided. Calculators make our lives much easier. And they're very funny. They can give you number answers and word answers. Eight numbers also look like letters when you turn the calculator upside down.

I'll show you. Calculator Take out your calculator. Find the off and on keys and turn your calculator on. Do you see a 0 in the display window? This is where you see each step of your work and the answer. A calculator has one key for each number: It also has keys with the signs for addition, subtraction, multiplication, and division: Let's have a little fun with number words before we get serious.

Press 1 and then press 4. Turn your calculator upside down. What does it say? HI Let's do it again! Press C to clear the display window. Press 1 and 4. HI And what do you say back? We'll do another number word later. Let's get down to basics. Add Problem: Do you see 34 in the window? Press 5 then 6. Do you see 56 in the window? If you don't, you pressed the wrong keys. Press C to clear and try again.

Does the number 90 show in the display? That's the answer. If some other number shows, go back and try again. Press C or clear until you see a 0 in the display. Subtract Problem: Do you see 33 in the display?

Press C to clear. Multiply Problem: Press 8 then 5 then 2. Do you see ,? Divide Problem: Do you see in the window? Calculators make it much easier to work with big numbers. Number Words Now let's try another number word. Here's a riddle for you.

Do the math problem to find the answer. Remember to clear your calculator after you do each problem. Press the C key or turn your calculator off, then back on. The Rule of 72 The Rule of 72 is a way to figure out the number of years it will take to double your money, depending on the interest rate.

Interest is the money that the bank, for example, gives you when you let them use your money. Divide 72 by the interest rate you are getting. The result is the number of years it will take for you to double your money. Let's try 3 percent. How long will it take to double your money if you leave it at the bank earning 3 percent interest? Now let's try 10 percent.

How long will it take to double your money if it is earning 10 percent? That's a big difference, isn't it? In Part Three, I'll tell you about different ways to invest your money. I'll let you choose how quickly you want to try to double your money. If you take the money you've saved to the bank, it will grow while it sits in the bank, whether you add more money or not.

It won't grow in the long-term jar at your home, but it will grow in the bank.

Interest Magic Here's how it grows. When you give the bank your money, the bank lends your money to someone else at a higher rate of interest than the bank pays you. That's how the bank makes money.

The bank pays you interest. That's how you make money. This is simple interest. But most banks do more. They offer compound interest that pays more than 3 cents at the end of the year. Compound interest pays interest on top of interest daily instead of once a year. Some banks offer special savings programs just for kids through the schools. Some banks will let you have your own account. Others may require your parents to open a custodial account.

See what your bank has to offer kids. You will open similar accounts if you decide to buy bonds, mutual funds, and stocks, so the example below is a good introduction. The type of account isn't as important as opening it and getting started. Here's a step-by-step look at opening a bank account. He will help you select the best type for your needs.

Fill out a new account form. Your parents may want to help you. You'll enter the number on the new account form. The bank representative will give you an account number that is different from your Social Security number. This number allows the bank to identify your account and find out how much money is in it. You need this number to fill out deposit and withdrawal forms. Deposit Money Fill out the deposit slip, like the sample deposit slip below.

You can find plenty of these forms at the bank counter near the tellers. Use ink; no crayons, pencils, or erasable pens. Write the date and your name and address. For a cash deposit: All bills and coins added together go on the cash line.

If you have a check to deposit, turn it over and "endorse" it as shown in the example below. Write your signature, your account number, and the words "For Deposit Only" above the line. Then enter the check amount in the check line of the deposit form.

With each check, be sure to include the fraction in small type located in the upper right; it identifies the bank and branch. Print this number in the check column. Sample Check Endorsement Then, add the cash and the checks with your calculator did you remember to bring it?

Give the completed forms to the person at the "New Accounts" desk. He or she will finish your transaction. Next time you come to the bank with your forms, go directly to the teller. Now comes the good part. It's your savings history. You will take it with you each time you deposit or withdraw money. Your Bank Statement If you don't get a passbook, the representative will give you a receipt to save. In addition, you will receive a bank statement in the mail that looks like this. It may come four times a year or monthly.

Sample Monthly Statement Make a file folder with your name on it. Keep your passbook or statement and receipts in the folder.

File this folder or give it to your family for their general files. You have just started a credit history. Grownups use a credit history when they want a credit card or a loan. You're getting ready early. Find the amount of interest the bank is paying you. It may be called Annual Percentage Yield your total interest. Find your account number. Is it correct? Compare every deposit or withdrawal and the date with your receipts. Find the total amount of interest credited to you. Find your balance, or total, on the date your statement was prepared.

Make it easy. Use your mom's initials or your brother's. Write your PIN down and keep it in your file folder because you have to remember it. It's a secret code.

You will have to enter it into a machine several times before you can use it for the first time at the ATM machine outside the bank. Keep your ATM card in a safe place. You can use it to deposit checks and bills but not coins. You have to go inside the bank to deposit coins. A plastic card like grown-ups use. Walk up to the ATM machine and follow the directions. Let's call it a mechanical bank teller; open 24 hours a day, seven days a week, and holidays, too.

ATMs are everywhere. Put the card in the slot just like the diagram tells you. If you're too short, find an ATM machine for people who use wheelchairs; they will be lower to the ground and may be perfect for your height. Find the deposit envelope for your check or cash. You may have to open a drawer or lift a lever to find them. With this magic plastic card, you can also withdraw cash. There's only one time I suggest withdrawing some of your money and I'll tell you about that later. The machine will spit out a paper receipt.

File it and check your monthly statement to make sure it was recorded. Are you feeling proud of yourself? I'll bet. This is a big deal. You've started to take control of an important part of your life. Right now, the kids and I would love to know how you're doing.

If you'd like, e-mail us through the web site www. We'd love to hear from you. But as you head home empowered by your very own savings account, you may say, "Now what do I do?

Do it all over again. Keep putting some of your money in your long-term jar. When it fills up or you just feel like going to the bank, deposit it. Watch your money in the bank grow safely and slowly. Now that you have a wad of dough, you might want to find a place where it can grow more quickly. Instead of saving you may decide to invest. An investment is riskier because you could lose it all. You could also make a lot more, if you hold your investment for ten or more years.

I think you're ready to hear a story about investing. It may help you understand risk. I'll use a bike example, just for fun. This is only an example.

It's not investment advice. Say your bike is made by a company called Cannondale. You love your bike. You love it so much that you've told your friends they should buy bikes just like yours. When you rode it to school, everybody asked where you bought it. Wow, you say to yourself. I wonder how many Cannondales my bike shop sold this week?

MoneySense is the first financial literacy programme of its kind in the UAE, covering topics of relevance including budgeting, setting and reaching savings goals, responsible borrowing, and planning for the future. To learn more, download the PDF. MoneySense formally launched in , following a pilot project that ran from late to the end of 1Q, which enabled us to refine our community outreach strategy. A broad community outreach approach was adopted which included the delivery of complimentary workshops that practically demonstrated the learnings by using characters and real life-scenarios to illustrate the benefits of applying the best practices.

MoneySense has also been integrated into our monthly Health and Wealth Roadshow, which provides complimentary medical tests and financial health checks to the community across the UAE. Our support of the Emirates Foundation and financial literacy has also seen ADCB staff participation in the Emirates Foundation's Esref Sah Shabaab Club, a train-the-trainer programme which provided ADCB staff volunteers with comprehensive training on sound financial money management principles and enabled them to do outreach activities and train fellow UAE national youth through activities organized by the Emirates Foundation.

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