[LTPC-discussions] As LTPC would say " Please contact your insurance company that issued the policy
ltpc-disc@ltpcalums.com
ltpc-disc@ltpcalums.com
Wed, 6 Aug 2003 03:07:58 EDT
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Frequently Asked Questions
I thought my policy was with Long Term Preferred Care, LTPC?
LTPC is an agency. We were the employer of the sales agents who were=20
responsible for actually marketing the policies with several insurance compa=
nies. We=20
are not actually an insurance company.
When do I call LTPC and when do I call the insurance company?=20
LTPC can assist you if you=E2=80=99re contemplating making any policy change=
s or want=20
to review the benefits. The insurance companies actually =E2=80=9Cadminister=
=E2=80=9D the=20
policies so they take care of the premiums, premium notices, addresses, clai=
ms,=20
etc.=20
I need to file a claim
You may contact the insurance company that issued your policy to initiate a=20
claim. Please click on the <A HREF=3D"http://www.ltpc.com/companies.html">In=
surance Companies</A> link for contact information.
I didn=E2=80=99t get my bill
You may contact the insurance company that issued your policy to confirm the=
=20
address and request a new bill. Please click on the <A HREF=3D"http://www.lt=
pc.com/companies.html">Insurance Companies</A> link=20
for contact information.
I need to change the bank that premiums are drafted from=20
You may contact the insurance company that issued your policy to request the=
=20
change. A new permission slip will be sent to you to return with a voided=20
check from your new account. Please click on the <A HREF=3D"http://www.ltpc.=
com/companies.html">Insurance Companies</A> link for=20
contact information.
I can=E2=80=99t find my policy
You may contact the insurance company that issued your policy to request=20
another copy. Most companies will issue one replacement at no charge but=20
subsequent copies may require a fee. Please confirm that the policy cannot b=
e located=20
in order to avoid any unnecessary fees. If a replacement policy is needed,=20
please click on the <A HREF=3D"http://www.ltpc.com/companies.html">Insurance=
Companies</A> link for contact information.
I need to change my address
You may notify our office with the updated information and we can forward it=
=20
to the insurance company that issued the policy.
The policyholder is deceased and the policy needs to be cancelled
Please send a copy of the death certificate (a certified copy is not=20
necessary) to the insurance company that issued the policy. Please click on=20=
the <A HREF=3D"http://www.ltpc.com/companies.html">
Insurance Companies</A> link for contact information.
I=E2=80=99ve been unable to contact my local agent
Since LTPC no longer markets new plans, we no longer have =E2=80=9Cfield age=
nts.=E2=80=9D=20
However, we do have agents and trained personnel on staff to assist you with=
all=20
your needs for your existing policy.=20
I need to review the policy, who do I contact?
If you are anticipating filing a claim and want to review benefits, please=20
contact the insurance company that issued the policy. They can answer questi=
ons=20
pertaining to your specific anticipated medical needs.=20
If it=E2=80=99s just been a while and you don=E2=80=99t really remember what=
the policy will=20
cover =E2=80=93 we=E2=80=99ll be glad to review the general provisions and b=
enefits with=20
you.=20
Why do I need the policy number?
Since we have thousands of clients and it isn=E2=80=99t uncommon for people=20=
to have=20
the same first and last name, we access information based on the policy numb=
er.=20
I don=E2=80=99t know where to find my policy number or the page in my policy=
that=20
discusses the benefits that I have.=20
The Schedule Page is usually page 3 of the policy. There may be several loos=
e=20
pages with the policy but this page is usually bound within the policy. It=20
will list your specific policy benefits, premium, and the policy number alon=
g=20
with the name of the insured.
My Schedule Page doesn=E2=80=99t match the premiums I=E2=80=99m paying and/o=
r the benefits=20
don=E2=80=99t match what I remember purchasing.
If you have ever made a change to the policy benefits, most times a whole ne=
w=20
policy will not be issued. Usually just a new Schedule Page will be sent=20
showing the updated benefit and premium amounts. It is not uncommon for this=
new=20
page to be misplaced or not placed with the policy. If you would like a=20
corrected schedule page the insurance company that issued the policy can sen=
d one to=20
you. Please click on the <A HREF=3D"http://www.ltpc.com/companies.html">Insu=
rance Companies</A> link for contact information.
I don=E2=80=99t remember the company that I bought the policy from
You can determine the company by looking at the policy number.=20
If your policy number:
begins with 076 _ _ _ _ _ _ or C77 _ _ _ _ _ _, your policy is with CNA=20
begins with UDG or VDG, your policy is with GE=20
begins with 06- and your social security number, your policy is with Allianz=
=20
begins with 500 _ _ _ _ _ your policy is with Allianz=20
begins with N _ _ _ _ _ _ or A _ _ _ _ _ _, your policy is with Penn=20
Treaty/Network America=20
Is six digits and no additional letters or numbers, your policy was with=20
American Travellers who has since become Conseco If your number doesn=E2=80=
=99t match any=20
of the above options, please give us a call and we can help determine which=20
company issued the policy.
=20
<A HREF=3D"http://www.ltpc.com/default.asp">HOME</A> | <A HREF=3D"http://www=
.ltpc.com/faq.html">FAQ</A> | <A HREF=3D"http://www.ltpc.com/companies.html"=
>INSURANCE COMPANIES</A> | <A HREF=3D"http://www.ltpc.com/agents.html">AGENT=
S</A>
=20
LTPC=20
Customer Service: 800-742-1110
Mailing Address: P.O. Box 41367, Nashville, TN 37204-9701
Street Address: 400 Duke Drive, Franklin, TN 37067-2700
<A HREF=3D"http://www.ltpc.com/default.asp">www.LTPC.com</A>
<A HREF=3D"mailto:info@ltpc.com">info@ltpc.com</A>
=20
=20
<A HREF=3D"http://www.ltpc.com/misc/privacypolicy.htm">Privacy Policy</A> |=20=
<A HREF=3D"http://www.ltpc.com/misc/termsofuse.htm">Terms Of Use</A> =20
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<HTML><FONT FACE=3Darial,helvetica><P ALIGN=3DCENTER><FONT SIZE=3D2 FAMILY=
=3D"SANSSERIF" FACE=3D"Verdana" LANG=3D"0"><IMG SRC=3D"http://www.ltpc.com/=
images/LTPCLogo.gif" WIDTH=3D"198" HEIGHT=3D"75" BORDER=3D"0"><BR>
<BR>
<P ALIGN=3DLEFT></FONT><FONT COLOR=3D"#000000" style=3D"BACKGROUND-COLOR: #=
ffffff" SIZE=3D3 FAMILY=3D"SANSSERIF" FACE=3D"Verdana" LANG=3D"0"><B>Frequen=
tly Asked Questions</B><BR>
<BR>
</FONT><FONT COLOR=3D"#000000" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D2=
FAMILY=3D"SANSSERIF" FACE=3D"Verdana" LANG=3D"0"><B>I thought my policy was=
with Long Term Preferred Care, LTPC?</B><BR>
LTPC is an agency. We were the employer of the sales agents who were respons=
ible for actually marketing the policies with several insurance companies. W=
e are not actually an insurance company.</FONT><FONT COLOR=3D"#000000" styl=
e=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D3 FAMILY=3D"SANSSERIF" FACE=3D"Verdan=
a" LANG=3D"0"><BR>
<BR>
</FONT><FONT COLOR=3D"#000000" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D2=
FAMILY=3D"SANSSERIF" FACE=3D"Verdana" LANG=3D"0"><B>When do I call LTPC and=
when do I call the insurance company?</B> <BR>
LTPC can assist you if you=E2=80=99re contemplating making any policy change=
s or want to review the benefits. The insurance companies actually =E2=80=
=9Cadminister=E2=80=9D the policies so they take care of the premiums, premi=
um notices, addresses, claims, etc. </FONT><FONT COLOR=3D"#000000" style=
=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D3 FAMILY=3D"SANSSERIF" FACE=3D"Verdana=
" LANG=3D"0"><BR>
<BR>
</FONT><FONT COLOR=3D"#000000" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D2=
FAMILY=3D"SANSSERIF" FACE=3D"Verdana" LANG=3D"0"><B>I need to file a claim<=
/B><BR>
You may contact the insurance company that issued your policy to initiate a=20=
claim. Please click on the <A HREF=3D"http://www.ltpc.com/companies.html">In=
surance Companies</A> link for contact information.</FONT><FONT COLOR=3D"#0=
00000" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D3 FAMILY=3D"SANSSERIF" FAC=
E=3D"Verdana" LANG=3D"0"><BR>
<BR>
</FONT><FONT COLOR=3D"#000000" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D2=
FAMILY=3D"SANSSERIF" FACE=3D"Verdana" LANG=3D"0"><B>I didn=E2=80=99t get my=
bill</B><BR>
You may contact the insurance company that issued your policy to confirm the=
address and request a new bill. Please click on the <A HREF=3D"http://www.l=
tpc.com/companies.html">Insurance Companies</A> link for contact information=
.</FONT><FONT COLOR=3D"#000000" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=
=3D3 FAMILY=3D"SANSSERIF" FACE=3D"Verdana" LANG=3D"0"><BR>
<BR>
</FONT><FONT COLOR=3D"#000000" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D2=
FAMILY=3D"SANSSERIF" FACE=3D"Verdana" LANG=3D"0"><B>I need to change the ba=
nk that premiums are drafted from</B> <BR>
You may contact the insurance company that issued your policy to request the=
change. A new permission slip will be sent to you to return with a voided c=
heck from your new account. Please click on the <A HREF=3D"http://www.ltpc.c=
om/companies.html">Insurance Companies</A> link for contact information.</FO=
NT><FONT COLOR=3D"#000000" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D3 FAM=
ILY=3D"SANSSERIF" FACE=3D"Verdana" LANG=3D"0"><BR>
<BR>
</FONT><FONT COLOR=3D"#000000" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D2=
FAMILY=3D"SANSSERIF" FACE=3D"Verdana" LANG=3D"0"><B>I can=E2=80=99t find my=
policy</B><BR>
You may contact the insurance company that issued your policy to request ano=
ther copy. Most companies will issue one replacement at no charge but subseq=
uent copies may require a fee. Please confirm that the policy cannot be loca=
ted in order to avoid any unnecessary fees. If a replacement policy is neede=
d, please click on the <A HREF=3D"http://www.ltpc.com/companies.html">Insura=
nce Companies</A> link for contact information.</FONT><FONT COLOR=3D"#00000=
0" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D3 FAMILY=3D"SANSSERIF" FACE=
=3D"Verdana" LANG=3D"0"><BR>
<BR>
</FONT><FONT COLOR=3D"#000000" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D2=
FAMILY=3D"SANSSERIF" FACE=3D"Verdana" LANG=3D"0"><B>I need to change my add=
ress</B><BR>
You may notify our office with the updated information and we can forward it=
to the insurance company that issued the policy.</FONT><FONT COLOR=3D"#000=
000" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D3 FAMILY=3D"SANSSERIF" FACE=
=3D"Verdana" LANG=3D"0"><BR>
<BR>
</FONT><FONT COLOR=3D"#000000" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D2=
FAMILY=3D"SANSSERIF" FACE=3D"Verdana" LANG=3D"0"><B>The policyholder is dec=
eased and the policy needs to be cancelled</B><BR>
Please send a copy of the death certificate (a certified copy is not necessa=
ry) to the insurance company that issued the policy. Please click on the <A=20=
HREF=3D"http://www.ltpc.com/companies.html">Insurance Companies</A> link for=
contact information.</FONT><FONT COLOR=3D"#000000" style=3D"BACKGROUND-COL=
OR: #ffffff" SIZE=3D3 FAMILY=3D"SANSSERIF" FACE=3D"Verdana" LANG=3D"0"><BR>
<BR>
</FONT><FONT COLOR=3D"#000000" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D2=
FAMILY=3D"SANSSERIF" FACE=3D"Verdana" LANG=3D"0"><B>I=E2=80=99ve been unabl=
e to contact my local agent</B><BR>
Since LTPC no longer markets new plans, we no longer have =E2=80=9Cfield age=
nts.=E2=80=9D However, we do have agents and trained personnel on staff to a=
ssist you with all your needs for your existing policy. <BR>
<BR>
<B>I need to review the policy, who do I contact?</B><BR>
If you are anticipating filing a claim and want to review benefits, please c=
ontact the insurance company that issued the policy. They can answer questio=
ns pertaining to your specific anticipated medical needs. </FONT><FONT COLO=
R=3D"#000000" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D3 FAMILY=3D"SANSSER=
IF" FACE=3D"Verdana" LANG=3D"0"><BR>
<BR>
</FONT><FONT COLOR=3D"#000000" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D2=
FAMILY=3D"SANSSERIF" FACE=3D"Verdana" LANG=3D"0">If it=E2=80=99s just been=20=
a while and you don=E2=80=99t really remember what the policy will cover=20=
=E2=80=93 we=E2=80=99ll be glad to review the general provisions and benefit=
s with you. </FONT><FONT COLOR=3D"#000000" style=3D"BACKGROUND-COLOR: #ffff=
ff" SIZE=3D3 FAMILY=3D"SANSSERIF" FACE=3D"Verdana" LANG=3D"0"><BR>
<BR>
</FONT><FONT COLOR=3D"#000000" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D2=
FAMILY=3D"SANSSERIF" FACE=3D"Verdana" LANG=3D"0"><B>Why do I need the polic=
y number?</B><BR>
Since we have thousands of clients and it isn=E2=80=99t uncommon for people=20=
to have the same first and last name, we access information based on the pol=
icy number. </FONT><FONT COLOR=3D"#000000" style=3D"BACKGROUND-COLOR: #ffff=
ff" SIZE=3D3 FAMILY=3D"SANSSERIF" FACE=3D"Verdana" LANG=3D"0"><BR>
<BR>
</FONT><FONT COLOR=3D"#000000" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D2=
FAMILY=3D"SANSSERIF" FACE=3D"Verdana" LANG=3D"0"><B>I don=E2=80=99t know wh=
ere to find my policy number or the page in my policy that discusses the ben=
efits that I have.</B> <BR>
The Schedule Page is usually page 3 of the policy. There may be several loos=
e pages with the policy but this page is usually bound within the policy. It=
will list your specific policy benefits, premium, and the policy number alo=
ng with the name of the insured.</FONT><FONT COLOR=3D"#000000" style=3D"BAC=
KGROUND-COLOR: #ffffff" SIZE=3D3 FAMILY=3D"SANSSERIF" FACE=3D"Verdana" LANG=
=3D"0"><BR>
<BR>
</FONT><FONT COLOR=3D"#000000" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D2=
FAMILY=3D"SANSSERIF" FACE=3D"Verdana" LANG=3D"0"><B>My Schedule Page doesn=
=E2=80=99t match the premiums I=E2=80=99m paying and/or the benefits don=E2=
=80=99t match what I remember purchasing.</B><BR>
If you have ever made a change to the policy benefits, most times a whole ne=
w policy will not be issued. Usually just a new Schedule Page will be sent s=
howing the updated benefit and premium amounts. It is not uncommon for this=20=
new page to be misplaced or not placed with the policy. If you would like a=20=
corrected schedule page the insurance company that issued the policy can sen=
d one to you. Please click on the <A HREF=3D"http://www.ltpc.com/companies.h=
tml">Insurance Companies</A> link for contact information.</FONT><FONT COLO=
R=3D"#000000" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D3 FAMILY=3D"SANSSER=
IF" FACE=3D"Verdana" LANG=3D"0"><BR>
<BR>
</FONT><FONT COLOR=3D"#000000" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D2=
FAMILY=3D"SANSSERIF" FACE=3D"Verdana" LANG=3D"0"><B>I don=E2=80=99t remembe=
r the company that I bought the policy from</B><BR>
You can determine the company by looking at the policy number. </FONT><FONT=20=
COLOR=3D"#000000" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D3 FAMILY=3D"SA=
NSSERIF" FACE=3D"Verdana" LANG=3D"0"><BR>
<BR>
</FONT><FONT COLOR=3D"#000000" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D2=
FAMILY=3D"SANSSERIF" FACE=3D"Verdana" LANG=3D"0">If your policy number:</FO=
NT><FONT COLOR=3D"#000000" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D3 FAM=
ILY=3D"SANSSERIF" FACE=3D"Verdana" LANG=3D"0"><BR>
<BR>
<BR>
</FONT><FONT COLOR=3D"#000000" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D2=
FAMILY=3D"SANSSERIF" FACE=3D"Verdana" LANG=3D"0">begins with 076 _ _ _ _ _=20=
_ or C77 _ _ _ _ _ _, your policy is with CNA</FONT><FONT COLOR=3D"#000000"=
style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D3 FAMILY=3D"SANSSERIF" FACE=3D"V=
erdana" LANG=3D"0"> <BR>
</FONT><FONT COLOR=3D"#000000" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D2=
FAMILY=3D"SANSSERIF" FACE=3D"Verdana" LANG=3D"0">begins with UDG or VDG, yo=
ur policy is with GE</FONT><FONT COLOR=3D"#000000" style=3D"BACKGROUND-COLO=
R: #ffffff" SIZE=3D3 FAMILY=3D"SANSSERIF" FACE=3D"Verdana" LANG=3D"0"> <BR>
</FONT><FONT COLOR=3D"#000000" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D2=
FAMILY=3D"SANSSERIF" FACE=3D"Verdana" LANG=3D"0">begins with 06- and your s=
ocial security number, your policy is with Allianz</FONT><FONT COLOR=3D"#00=
0000" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D3 FAMILY=3D"SANSSERIF" FACE=
=3D"Verdana" LANG=3D"0"> <BR>
</FONT><FONT COLOR=3D"#000000" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D2=
FAMILY=3D"SANSSERIF" FACE=3D"Verdana" LANG=3D"0">begins with 500 _ _ _ _ _=20=
your policy is with Allianz</FONT><FONT COLOR=3D"#000000" style=3D"BACKGROU=
ND-COLOR: #ffffff" SIZE=3D3 FAMILY=3D"SANSSERIF" FACE=3D"Verdana" LANG=3D"0"=
> <BR>
</FONT><FONT COLOR=3D"#000000" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D2=
FAMILY=3D"SANSSERIF" FACE=3D"Verdana" LANG=3D"0">begins with N _ _ _ _ _ _=20=
or A _ _ _ _ _ _, your policy is with Penn Treaty/Network America</FONT><FON=
T COLOR=3D"#000000" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D3 FAMILY=3D"=
SANSSERIF" FACE=3D"Verdana" LANG=3D"0"> <BR>
</FONT><FONT COLOR=3D"#000000" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D2=
FAMILY=3D"SANSSERIF" FACE=3D"Verdana" LANG=3D"0">Is six digits and no addit=
ional letters or numbers, your policy was with American Travellers who has s=
ince become Conseco</FONT><FONT COLOR=3D"#000000" style=3D"BACKGROUND-COLOR=
: #ffffff" SIZE=3D3 FAMILY=3D"SANSSERIF" FACE=3D"Verdana" LANG=3D"0"> </FONT=
><FONT COLOR=3D"#000000" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D2 FAMIL=
Y=3D"SANSSERIF" FACE=3D"Verdana" LANG=3D"0">If your number doesn=E2=80=99t m=
atch any of the above options, please give us a call and we can help determi=
ne which company issued the policy.</FONT><FONT COLOR=3D"#000000" style=3D"=
BACKGROUND-COLOR: #ffffff" SIZE=3D3 FAMILY=3D"SANSSERIF" FACE=3D"Verdana" LA=
NG=3D"0"><BR>
<BR>
<BR>
<BR>
<BR>
</FONT><FONT COLOR=3D"#0000ff" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D2=
FAMILY=3D"SANSSERIF" FACE=3D"Verdana" LANG=3D"0"><A HREF=3D"http://www.ltpc=
.com/default.asp">HOME</A> | <A HREF=3D"http://www.ltpc.com/faq.html">FAQ</A=
> | <A HREF=3D"http://www.ltpc.com/companies.html">INSURANCE COMPANIES</A> |=
<A HREF=3D"http://www.ltpc.com/agents.html">AGENTS</A></FONT><FONT COLOR=
=3D"#000000" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D3 FAMILY=3D"SANSSERI=
F" FACE=3D"Verdana" LANG=3D"0"><BR>
<BR>
<BR>
<BR>
<BR>
<BR>
</FONT><FONT COLOR=3D"#000000" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D2=
FAMILY=3D"SANSSERIF" FACE=3D"Verdana" LANG=3D"0"><B><BR>
LTPC</B> <BR>
Customer Service: 800-742-1110<BR>
Mailing Address: P.O. Box 41367, Nashville, TN 37204-9701<BR>
Street Address: 400 Duke Drive, Franklin, TN 37067-2700<BR>
<A HREF=3D"http://www.ltpc.com/default.asp">www.LTPC.com</A><BR>
<A HREF=3D"mailto:info@ltpc.com">info@ltpc.com</A></FONT><FONT COLOR=3D"#00=
0000" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D3 FAMILY=3D"SANSSERIF" FACE=
=3D"Verdana" LANG=3D"0"><BR>
<BR>
<BR>
<IMG SRC=3D"http://www.ltpc.com/images/misc/CendantButn.gif" WIDTH=3D"156"=20=
HEIGHT=3D"29" BORDER=3D"0"> <BR>
</FONT><FONT COLOR=3D"#0000ff" style=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D2=
FAMILY=3D"SANSSERIF" FACE=3D"Verdana" LANG=3D"0"><A HREF=3D"http://www.ltpc=
.com/misc/privacypolicy.htm">Privacy Policy</A> | <A HREF=3D"http://www.ltpc=
.com/misc/termsofuse.htm">Terms Of Use</A></FONT><FONT COLOR=3D"#000000" st=
yle=3D"BACKGROUND-COLOR: #ffffff" SIZE=3D3 FAMILY=3D"SANSSERIF" FACE=3D"Verd=
ana" LANG=3D"0"> <BR>
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