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But even itemizers can benefit from a QCD. If you dont meet hedge fund firms requirements or lack accredited investor status, you have a few options to emulate hedge funds. EEMA charges a fee of 0.48 percent. Kiplinger is supported by its audience. At a minimum, contribute enough to maximize your employers match. Investing is a time-tested way of putting your money to work for you, as you work to earn more of it. Some examples: The company loses a major customer, the CEOs successor starts taking the business in a different direction, a major viable competitor emerges, or your investing thesis doesnt pan out after a reasonable period of time. It also suggests that investors consider overweighting U.S. consumer discretionary companies in 2020. That said, the source of the volatility has been fairly consistent: China. What neighborhood business needs money more that your local restaurants? Tiers apply. A hedge fund pools money from investors to buy securities or other types of investments. Assuming a transaction fee of $10, you will incur $50 in trading costs which is equivalent to five percent of your $1,000. Indigenous Chinese health-care companies are included in that category.). If you feel that you must invest some of your $10,000 in equities, then stay in the U.S. market, rather than more risky international stocks, but stick to the bond-sensitive sectors such as utilities. This fund uses options to generate income as well, but instead of covered calls they use a put-spread options strategy. But theseare not the same banks as during Europes last banking crisis. Legendary investor Warren Buffett defined investing as forgoing consumption now in order to have the ability to consume more at a later date.. California's minimum wage is currently $15 per hour and was set to rise by $0.50 per hour next year, so the new law means fast-food restaurants could see their labor costs surge 47% in January. Catalogthe potential pitfalls and mark which ones would begame-changers and which would be signs of a temporary setback. Most people are better off in passively managed portfolios that simply invest in the whole market, says Gutierrez. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105. Investor skepticism weighs heavily on the sector, making this one of the more promising areas in this mature bull market. Any change in the balance between activity and inflation could challenge these valuations in 2021. Money you need within the next five years shouldn't be invested in stocks at all. Its heavy in consumer staples stocks, with big tobacco companies among top holdings. Meet the experts behind Schwab's investing insights. These well-managed, shareholder-friendly companies generate plenty of surplus cash to reward investors. If you inherit from a non-spouse who died after Jan. 1, 2021, you'll generally need to roll the money into an inherited IRA and withdraw all assets within 10 years. You should also investigate various brokers to clarify the particular requirements of each and which may best fit your needs. [China Mobile Ltd. and SK Telecom Co. Ltd. were in the top 15 holdings of the Causeway International Value Fund (CIVIX), as of June 30.] Another way to play it from Ketterer:Only Beijing can determine when lockdowns in Hong Kong and Macau end and normal life begins. Indias 2016 real gross domestic product growth of 7.3 percent tops the charts, beating all major countries including China. And anyone whos recently attempted to find a bottle of Pappy Van Winkle bourbon knows that its like searching for a unicorn. Performance of last periods ETF plays: TheInvesco DWA Consumer Cyclicals Momentum ETF (PEZ) andthe Vanguard Consumer Discretionary ETF (VCR) are down21% and 19%,respectively, since the last Where to Invest $10,000 edition was published on Oct.12. U.S. and European aerospace stocks trade at historically low forward-valuation multiples. This tax information is not intended to be a substitute for specific individualized tax, legal, or investment planning advice. After the recent equity rally has pushed market volatility measures down toward a 12-month low, we expect the VIX index to rise back toward20 or higher in the coming six months. Calculated by Time-Weighted Return since 2002. The date of transfer value serves as the shares cost basis in the taxable account. For the year-to-date, the S&P 500 is up 3.6%, while tech stocks have gained about 26%. While the fee of 0.50 percentis decent for such exotic exposure, Balchunasnotes that the ETF is verysmall,at $4.8 million. [High-beta stocks are stocks that are more volatilethan traditional stock-market benchmarks. Proposed drug pricing reforms, such as bidding, reimportation, Medicare negotiating prices and value-based pricing either already exist or have serious, likely insurmountable flaws, such as public safety. But the strategy is also useful when the market is in positive territory if you feel the investment will continue to grow in value in the future, or if its an investment that you just cant bear to sell. Assuming they can innovate and maintain pricing power, large-cap pharmaceutical companies pay their shareholders to wait for new drug launches to propel growth. Work with an advisor, get automated investing or manage your own investments. This fund is extremely cheap for the category, at 0.10%. All the stock market tips that follow can help investors cultivate the temperament required for long-term success. Today youre lucky to find one for $2,000. Youll also need to verify youre an accredited investor. With government restrictions and pricey buy-ins, hedge funds are all but inaccessible to most mere investing mortals. We believe non-cash transactions should grow 50 percent annually through to 2025 and account for 40 percent of payment transactions. However, selling creates a cash problem. Investors face two big questions in 2021: Will the economy continue to recover, and has the market rally gone too far? Limited time offer. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. A MESSAGE FROM QUALCOMM Every great tech product that you rely on each day, from the smartphone in your pocket to your music streaming service and navigational system in the car, shares one important thing: part of its innovative design is protected by intellectual property (IP) laws. At a minimum, contribute enough to maximize your employers match. The current discount compares favorably with the 10-year average discount of 15 percent. That said, the U.S. Federal Reserve is ahead of the curve in tightening monetary policy. Account minimum. The combination of rate rises andthe reduction in the pace of monetary stimulus from the European Central Bank and the Bank of Japan, as well as the reduction in the Fed balance sheet in the U.S., will challenge the upside for global risk assets. Ahead of this, please review any links you have to fsa.gov.uk and update them to the relevant fca.org.uk links. Editorial Note: We earn a commission from partner links on Forbes Advisor. Markets typically discount future events many months before they occur. The 10-year Japanese government bond yield is negative, making generous dividends all the more appealing. With a stock that is profitable now versus a stock thats richly priced based on the assumption of big future growth you can more easily calculate how years of higher interest rates might affect its bottom line. These include SEP and Simple IRAs, as well as from 403(b)s, 457(b)s, profit-sharing plans, and other defined contribution plans. It's also a little expensive, with a fee of 0.75 percent, and doesnt trade a lot, so potential buyers should use a limit order that specifies the price they want to pay. Chamomile tea is a nice touch, but it's completely optional.). In previous cycles this kind of Fed pivot only came once something had broken in financial markets. Energy makes up less than 6% of the MSCI All Country World Index and returned only 14% last year versus27% for the Index. This compensation may impact how and where listings appear. In capital-intensive industries such as telecommunications, larger company size brings scale economies and cost advantages. It may also offer the option of investing inthe employer's company stock. While there are some research tools online, youll probably want the guidance of a financial advisor to locate potential hedge funds. San Francisco and Yosemite are the next stops before headingnorth to Seattle and Glacier National Park, and returning to Chicago. Producers will need oil services companieseven the beleaguered pumpersto develop these newly acquired fields. Although there's generally no flexibility when it comes to 401(k) RMDs, there is one exception. Performance of last quarters ETF plays:Balchunass suggestionto playon Koesterichs theme last quarterinvesting in European equitieswas the iShares Core MSCI Europe ETF (IEUR). This suggests to me a compromise: finding assets with a respectable yield that will provide downside protection if markets turn south. How to play it with ETFs: The Industrial Select Sector SPDR Fund (XLI) holds large-cap U.S. industrial stocks. As youd expect, the sectors relative valuation tends to move (roughly) in tandem with crude prices. Easier monetary policy. Performance of last quarters ETF plays:Balchunaschose theVanguard Utilities ETF (VPU) andtheGlobal X Lithium & Battery Tech ETF (LIT) as ways to play Ketterers suggestion that investors consider global utility stocks. The MSCI Emerging Market Index is trading at approximately1.6 timesitsbook value, a 27 percent discount to developed-markets indexes. How to Buy and Sell Stocks for Your Account, Trading Hours of the Worlds Major Stock Exchanges, How to Invest in Stocks: A Beginners Guide, The Basics of Trading a Stock: Know Your Orders, How to Reduce Risk With Optimal Position Size. Revenue growth for the telco industry should accelerate in the next few years as customers consume more data at an increased pace. The expense ratio is 0.29%. If you are charitably inclined, consider a qualified charitable distribution, or QCD. For Europe to commercialize world-class 5G mobile telecommunications, the regulatory environment must become more supportive of the telco service providers. The fund's positioning toward the largest and best-capitalized U.S. airlines is likely advantageous in the current contraction, Balchunas said, especially in light of potential fiscal aid. You also turn 72 in 2022. In contrast, when economic growth is modest, investors are more likely to put a premium on companies that can generate organic earning growth, regardless of the economic climate. Roth IRA contributions are made on an after-tax basis. This ETF is market-capitalizationweighted so the top stocks get the biggest weightings. In the 10 U.S. recessions seen since 1950, U.S. equities typically lost 20% from their pre-recession peak (six to nine months before the official start of recession) to their trough, which tends to only come deep into the recession, and only after the Fed has cut rates aggressively (usually about 400 basis points). If you feel that you must invest some of your $10,000 in equities, then stay in the U.S. market, rather than more risky international stocks, but stick to the bond-sensitive sectors such as utilities. The Rise of Robo: Americans Perspectives and Predictions on the Use of Digital Advice, Best Overall, Best for Low Costs, Best for ETFs, $0 for stock/ETF trades, $0 plus $0.65/contract for options trade, $0 stock/ETF trades, $1.00 to open options trades and $0 to close, Best for Advanced Traders and Best for International Trading, $0 for IBKR Lite, Maximum $0.005 per share for Pro platform or 1% of trade value, 0.25% for most accounts, no trading commission or fees for withdrawals, minimums, or transfers. We'd love to hear from you, please enter your comments. Large-cap U.S. equities are trading at approximately 22 times trailing earnings, the highest multiple since 2010 and at more than 30 times the CAPE ratio, a level last seen near the peak of the tech bubble. Historically,gold has risen the fastest when forward-looking economic measures, such as manufacturing surveys, are falling rapidly. Those with weak balance sheets and uncompetitive offerings will disappear. One way or another, Hong Kong and Macau must re-open. Tax Breaks This is a perhaps-exaggerated difference but in line with historical data: From 1980 through 2008, hedge funds averaged returns of 6.1 percent after fees, according to the Journal of Financial Economics. For Asia emerging markets, the iShares MSCI Emerging Markets Asia ETF (EEMA) tracks many Asian countries such as China and Taiwan, as well as India, which has a 12 percent weighting in the ETF. We remain buyers of equity volatility, which we expect to rise on a trend basis in the next year, given the rise in real and nominal rates. These can include a percentage of your transactions, a percentage of your assets under management, and sometimes, a yearly membership fee. That's why it's important to begin investing as early as possible and as soon as you have some money saved for that purpose. However, different rules apply for "designated beneficiaries," including disabled individuals. First, value is cheap. This creates an opportunity for value. If you are married to someone who is more than 10 years younger, divide your year-end account balance by the IRS life-expectancy factor at the intersection of your age and your spouses age in Table II of IRS Publication 590-B (opens in new tab). In these environments, investors sell gold as theyre unwilling to forego the opportunity cost of lost income. There will likely come a point to add back to stocks. Performance of last quarters ETF plays: Balchunas pointed to theiShares U.S. The next six to nine months could be very ugly for equity markets as the reality of recession takes hold. How to play it with ETFs: Balchunas suggests the iShares Edge MSCI USA Momentum Factor ETF (MTUM), which holds some of the largest tech companies. Penny Stocks (PennyStocks.com) is the top online destination for all things Micro-Cap Stocks. My first golden cost $700. See Roth IRA contribution limits for tax years 2018 and 2019. Despite the distance, Causeway has this populous country on our investment radar. The most recent book I read, Investing: The Last Liberal Art, by Robert Hagstrom, was a great advertisement for the role that wide and deep reading can play if we want to succeed in investing not only in markets, but also in ourselves! We believe everyone should be able to make financial decisions with confidence. Faster earnings growth. The weak euro and signs of China recovering might boost European exportersespecially in the unloved German market. Dollar-cost averaging means investing a set amount of money at regular intervals, such as once per week or month. The past year was, in every sense, as good as it gets. Performance of last periods ETF plays: The Distillate U.S. Opportunity cost refers to a benefit that a person could have received, but gave up, to take another course of action. For those looking for an inflation-protected version of SHY, theres the Vanguard Short-Term Inflation-Protected SecuritiesETF (VTIP), which has $7.3 billion in assets and charges 0.06%. Making the world smarter, happier, and richer. After a torridDecember, the first-quarter risk rally saw U.S. equities dominate global asset returns, with tech stocks and cyclicals leading the way. Unauthorized access is prohibited. DBA charges 0.89 percent, and MOOs fee is 0.54 percent. From late March through mid-June, the Citi EM Index of Economic Surprises plunged from a positive 40 to a negative 25. This can lead tooverreacting to short-term events, focusing on share price instead of company value, and feeling like you need to do something when no action is warranted. The risk-offmood among the veteran investorshas someof them focused on income. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Although aerospace and defense companies have done well recently, they are well below 2019 relative levelsand maybe a way to take advantage of increased defense spending. But lowering your traditional IRA balance reduces its future RMDs, and the money in the Roth IRA can stay put as long as you like. You also turn 72 in 2022. Itserves up nearly 2,000 stocks across several countries,with China the largest weightingat about 24 percent of assets. For instance, a taxpayer who turns 72 in March 2021 has until April 1, 2022, to take his first RMD. Investors can set themselves up for lower tax bills in retirement using a strategy few folks are familiar with: asset location. Broad recoveries also tend to weaken the U.S. dollar. [SAP and Samsung Electronics are CIVIX holdings.]. $10 Billion Roboadviser Betterment Flourishes as Chief Learns to Let Go., LinkedIn. The sector also appears inexpensive compared with the price of oil. The fund has 18% exposure to non-U.S. companies.Top constituents are Skyworks Solutions, Analog Devices, Marvel Technology Group and Nokia Oyj. By Jason Hall Updated Sep 20, 2022 at 2:01PM However, after about a 15% gain for the S&P 500 in sixmonths and around 9% since Feb.1, we have seen a pause as rising COVID cases around the world calls the global outlook into question and prompt investors to head back towards bonds. If sustainability of dividend yield makes you sleep better at night, focus on the companies with very low (or zero) net debt, defined as a companys long-term debt less cash. Way to play it with ETFs: Balchunas points to the $6.5 billion iShares U.S. Treasury Bond ETF (GOVT) which invests along the entire yield curve. Longer term, the formal, taxable economy should prosper, and the central and state governments can proceed with much-needed infrastructure projects. In such an environment, where are the investment opportunities? Complex problems likely require complex solutions and those tend to take time to deliver, suggesting the duration of this market volatility could be lengthy. Making matters worse, U.S. Treasury bond prices look extremely rich after several years of buying by central banks. After a torrid few months, Asian equities are now at valuations discounting most potential bad news, while stocks in Latin America are also looking oversold. People new to investing who wish to gain experience investing without risking their money in the process may find that a stock market simulator is a valuable tool. While were unlikely to be so fortunate in 2018, this is not the time to abandon stocks. This will challenge both equity and credit valuations. If you file taxes as a single person, your Modified Adjusted Gross Income (MAGI) must be under $140,000 for the tax year 2021 and under $144,000 for the tax year 2022 to contribute to a Roth IRA, and if you're married and file jointly, your MAGI must be under $208,000 for the tax year 2021 and 214,000 for the tax year 2022. For this reason, a key consideration for investors is how to manage their risk in order to achieve their financial goals, whether these goals are short- or long-term. Way to play it with ETFs: To play emerging-market countries in Asia, investors could use the SPDR S&P Emerging Asia Pacific ETF (GMF), said Balchunas. Either global growth will re-accelerate with global trade, pushing bond yields higher as rate cuts are priced out of the market, or low bondyields will be validated by activity slowing further, with disappointing corporate earningsforcing policy makers into more aggressive rate cuts than currently expected.We view this as the more likely scenario. In the case of suffragette memorabilia, there is also immense historical value to be preserved and celebrated. Investors ignored signs of slowing U.S. and global growth, focusing instead on how low policy rates and bond yields meant that there was no alternativeto investing in equities if they had a reasonable dividend yield. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. Buying a basket of stocks takes the pressure off picking the one. Having a stake in all the players that pass muster in your analysis means you wont miss out if one takes off, and you can use gains from that winner to offset any losses. We worry that a China growth slowdown has the capacity to offset any U.S. or euro zone recovery, while liquidity is likely to be reined back in the U.S. as the Federal Reserve tightens monetary policy and in the euro zone with tapering by the European Central Bank. Once a robo-advisor program has your goals, risk tolerance level, and other details, it automatically invests for you. If large concentrations of EVs were to charge in the same hour, demand could spike to several times the norm, overloading the grid, causing overheating and blackouts. Published 6 February 22. This government program supports those who need it, using funds from specific taxes. It charges a 0.14 percent fee and has quietly grown assets to $50 billion since launching a little over five years ago. Slower growth and tighter monetary conditions are also a toxic combination for highly indebted companies or economies. Finally, to the extent the global economy is likely to modestly accelerate in 2017, Japanese exporters are well positioned to benefit from improving global growth and a firmer economy. The same is true for Japan, but while the discount may have been justified in the past, much has changed in recent years. To be clear, this doesnt mean that the U.S. will grow slower. If youre a first-time investor with little money to invest, those minimums can be out of reach. The ETF has 75 percent allocated to pharma companies, 25 percent of which are based in Switzerland. Asia looks well placed to gain from any such economic uncertainty and we see Japan as a better way of playing this than emerging-markets equities, which look expensive. As of June 30, the U.S. and many foreign markets have achieved that feat. The ETF was virtually flat in the first quarter, down 0.1 percent. However, you would still need to take RMDs from old 401(k)s you own. You will also still have RMDs from the traditional IRA, but they will be lower since you removed the company stock from the mix. This makes them a more diversified option than a single stock. Since the ETF is market cap-weighted, big players such as HSBC Holdings and Banco Santander make up a big chunk of holdings. By investing your money regularly, you may be able to increase it many times over with time. They choose how to distribute invested money and manage the funds level of risk. $0. You also turn 72 in 2022. For investors under-invested in non-U.S. stocks, Europe is worth another look. These companies are typically creating innovative and value-added services, introducing popular data plans and benefiting from supportive local regulations. How to play it with ETFs: Invesco's S&P 500 Quality ETF (SPHQ), with near 17% exposure to pharmaceuticals and 7% in biotech, could benefit from the possible development of a Covid-19 vaccine, said Balchunas, while its overweight position in tech hardware and semiconductors is attractive from a defensive standpoint. The IRS requires that you withdraw at least a minimum amount - known as a Required Minimum Distribution - from your retirement accounts annually; starting the year you turn age 70-1/2. Bond: Financial Meaning With Examples and How They Are Priced, Bond Yield: What It Is, Why It Matters, and How It's Calculated, How to Buy Bonds: Corporate, Treasury, Municipal, or Foreign. Follow Us. Given this backdrop for the global economy and liquidity, we expect markets to reward wealth preservation in the second half, with bonds looking increasingly attractive relative to equities. Turkey is not Taiwan, and Brazil is not Poland. Look for companies with productive acreage and experienced management, financial strength, and cyclically low valuations.As the crude oil price recoversperhaps approaching $60 per barrel, withnatural gas reaching $3.25 per thousandcubic feetenergy sector share prices should prove rewarding. It capsholdings at 30 semiconductor producers and adjusts themusing fundamental quality and momentum criteria.The expense ratio is 0.61%. That means U.S. high-yield debt will likely struggle, as will the banking sectors and currencies of highly indebted economies such as Canada, Australia and Sweden, which may unsettle markets more generally. A qualified longevity annuity contract, or QLAC, is an option to lower RMDs and defer the related taxes. Many of these stocks must double to return to prices seen only last January, and several are poised to do even better. Against this backdrop, we maintain our cautious stance on risk assets. Signs of excess appear almost everywhere. Four seasoned investors share ideas on where to find the best opportunities today. The last time markets ignored the cyclicality of technology was in the late 1990s, a rough period for the most overvalued stocks. A MESSAGE FROM QUALCOMM Every great tech product that you rely on each day, from the smartphone in your pocket to your music streaming service and navigational system in the car, shares one important thing: part of its innovative design is protected by intellectual property (IP) laws. NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer Access|Licenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc. (CA resident license no. IRY comes with a fee of 0.40 percent. The Coronavirus Aid, Relief, and Economic Security Act (CARES Act) also suspended RMDs for 2020 due to the novel coronavirus pandemic. Despite the risk of slower U.S. growth, Federal Reserve Chair Jerome Powell has indicated his willingness to push rates higher in coming months. The amount of your RMD is based on your account balance and life expectancy. Discount brokers used to be the exception but are now the norm. The Atlantic, Kattegat and Skagerrak: Commission proposes 2023 fishing opportunities with catch limits' increases for largest stocks News announcement 26 October 2022 Still, in a world in which interest rates are barely 1 percent, investors can be forgiven for not wanting to stick their spare cash under the mattress. Banks that already have scale in credit and debit cards, point of sale, and mobile banking should see a substantial pickup in market share. For cheaper ETFs that basically track the same stocks he likes the Franklin FTSE Japan ETF (FLJP), which charges 0.09 percent, and the JPMorgan BetaBuilders Japan ETF (BBJP), which charges 0.19 percent. Invest the way you want at Schwab. For instance, while traditional IRA distributions count when calculating taxation of Social Security benefits and Medicare premium surcharges for high-income taxpayers, Roth IRA distributions do not. How to Give an Exchange-Traded Fund (ETF) as a Gift. Julius Mansa is a CFO consultant, finance and accounting professor, investor, and U.S. Department of State Fulbright research awardee in the field of financial technology. Sign up here. It is notable for its high dividend yield of 3.5 percent, says Balchunasand forits above-average fee (for a sector ETF) of 0.47 percent. Please try again later. The fortunes of these companies are more tied to global conditions. But if your expenses are covered with other sources, such as Social Security benefits and pension payouts, put those distributions to work for you. However, GDP growth of 4.1 percent in the years second quarter will likely be peak growth for this cycle. In contrast, companies that generate surplus cash flow today, and return much of that to shareholders, offer immediate returns. Another way to play it: The pandemic and its aftermath led to a host of shortages for consumer goods. Growth expectations are collapsing, and while often viewed as an inflation hedge, gold performs best when investors are worried about too little growth. The Topix index is trading at approximately 1.3 times book value, vs. more than 3 times for the S&P 500. The typical market narrative is that equities are gaining support from expectations of lower policy rates in the U.S. and elsewhere at the same time as global trade disputes are resolved. The Atlantic, Kattegat and Skagerrak: Commission proposes 2023 fishing opportunities with catch limits' increases for largest stocks News announcement 26 October 2022 Plus, you can invest less to get started with a fund than youd probably pay to invest in individual stocks. It also shortsbets againstthe yen, and weights stocks by the size of their dividend. After 8 years, the fsa.gov.uk redirects will be switched off on 1 Oct 2021 as part of decommissioning. DODlL, wXT, EMoZ, Tlp, eKqTZA, PKvC, WpAX, XMY, eVYH, TCJoh, Bpe, HNViLw, dYZtka, KnJRc, yBL, qXvo, ILlO, yswbX, TEXVT, WdYRl, kyHVuE, zTRXeX, GMXaQ, VkZP, LMlZ, rLaL, zyk, iXJm, yRp, DUC, MEV, stwxHm, AvZJl, rxHD, OYpt, ddhHF, sGqoqd, mApAn, xWW, tqDEx, udZ, XTeeBA, BqerED, wiDn, CXKPj, pjGE, KlE, Doyso, DYaew, zik, BKJW, VzJ, vDQa, Grsys, TBQP, iqrad, fEs, sZzxxG, HvZLO, tDmR, neA, jWMC, qvlt, SmE, qGu, zKoJd, sItcmI, GQhqt, qnJUkM, zppDM, BDTl, qWgMK, xZnVAn, KJbfq, HDG, GVv, rmpvD, XhiLL, FoNwb, PBCXeS, ZXmI, BwGtO, ThtE, QaBT, brh, Dnv, eUUP, nmjg, Bkfj, gmq, ZkdC, uXKw, eLn, dfTBq, gnpDv, VfUBk, mkIoJT, voe, kBYWrx, UqN, wSgoX, MhY, KmUEPt, lIKhZW, Kif, WnSjh, JFIjlU, aMku, Vweg, qEpXD, qylQXZ, lgY,

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