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  • December 04, 2017 8:48 AM | Anonymous

    The Denver Business Journal recognized Karl Dakin in its first Who’s Who in Impact Investing:Rocky Mountain Region.  An awards ceremony was held on November 23rd as part of Colorado Impact Days hosted by the Impact Finance Center.

    The Impact Finance Center is a nonprofit academic center dedicated to teaching foundations, family offices and individual investors how to make investments into companies, organizations, projects and funds with the intent to generate a measurable financial return and a beneficial social, environmental and community impact.

    Stephanie Gripne, the founder and Executive Director of the Impact Finance Center, described the event as the next step in ‘develop(ing) a phonebook of key players in the movement and marketplace.”

    “I am extremely pleased to be one of 77 people recognized in this event,” said Karl Dakin, a professional entrepreneur and activist in improving Colorado’s capital ecosystem.  “I see this recognition as a reflection of the work by the team at Invest Local Colorado LLC where we have successfully launched our investment crowdfunding platform.  It is now possible for ordinary people to financially support their Main Street businesses and have greater impact.”  http://www.investlocalcolorado.com

  • October 09, 2017 10:51 AM | Anonymous

    At a recent conference, attendees were polled on the greatest obstacles to innovation and business and once again ‘Access to Capital’ was ranked as the top obstacle.  At another conference, an angel investor stated that there was a surplus of available money for investing in new businesses.  It is impossible to reconcile these two statements with classical approaches to raising money.

    Crowdfunding is the answer.  Not charity crowdfunding (GoFundMe.org) or rewards crowdfunding (Kickstarter and Indiegogo), but investment crowdfunding.  And, not investment crowdfunding just for wealthy people who meet the securities law definition of ‘accredited investors’ (who comprise only 3 percent of the population), but investment crowdfunding for everyone (the other 97 percent of the population).

    The Colorado Division of Securities and the University of Colorado School of Business will conduct a forum on Wednesday, Oct. 25, from 3:30 to 5 p.m. to discuss why investment crowdfunding has yet to realize its potential in Colorado.  The forum will be at the University of Colorado-Denver in the Laube Collaboration Commons, on the 5th Floor at 1475 Lawrence St.  For more information, contact jillian.sarmo@state.co.us.

    Colorado passed the Colorado Crowdfunding Act (C.R.S. 11-51-308.5) in 2015 to enable everyone to invest in Main Street businesses.  This action followed the United States’ passage of the JOBS Act that established multiple forms of investment crowdfunding at the federal level.

    However, almost all investment crowdfunding has been focused on selling investments to accredited investors who are seeking 10-times returns on investment within five years and expect the small business to be sold in order to create a cash exit for the investors.  This is a complete mismatch for the 99.9 percent of new and small businesses that cannot attain such an extraordinary profit level and who have no interest in building a business only to sell it off.

    Investments by everyone represent a new type of investment decision making that is based upon more than simple “return on investment” criteria.  Investors will consider a wide variety of issues about how they will receive value, their relationship with the business as a customer and the role of the business in its community.

    CFEX (Fort Collins) and Invest Local Colorado (Centennial) have recently launched their investment crowdfunding platforms and act as intermediaries under the Colorado Crowdfunding Act. (Disclosure: I am the majority owner of Invest Local Colorado and helped draft the Colorado Crowdfunding Act and associated Rules). Both companies expended great amounts of time and money to comply with the intent of the law to make raising capital affordable to Main Street businesses.

    The forum will be an opportunity to:

    • Learn about investment crowdfunding as an alternative approach to raising capital.

    • Overcome 80 years of laws and regulations that have forced everyone to outsource their investment decisions to invest in Wall Street businesses.

    • Suggest ways to make the Colorado Crowdfunding Act to work better.

    Karl Dakin is principal with Dakin Capital Services LLC. Reach him at kdakin@dakincapital.com.

  • October 08, 2017 3:58 PM | Anonymous

    Individuals interested in authoring a paper on investment crowdfunding are requested to submit an abstract for possible publication in a special edition of the Bentham Sciences Journal on Technology Transfer and Entrepreneurshiphttp://benthamscience.com/journal-files/flyers/tte-flyer.pdf

    Karl Dakin will act as the editor of the edition.  Mr. Dakin is a principal in the Dakin Capital Guild, the Local Money Marketplace and Invest Local Colorado.  He has previously authored articles in the Journal and is a frequent speaker, educator and author on topics related to early stage capital formation with a focus on investment crowdfunding.  Mr. Dakin may be reached by email at kdakin@dakincapital.com.

    The special edition will be limited to the general topic of investment crowdfunding and will focus on investments from average people (non-accredited investors) into Main Street businesses (average profit and growth performers).

    Suggested topics include, but are not limited to:

    • Market differentiation between accredited and non-accredited investors
    • Designing offerings to attract investments from average people
    • Building an ecosystem within the capital industry that supports investment crowdfunding
    • Building crowds
    • Overcoming cultural expectations by average individuals that they must outsource investing or depend upon advice or services of others
    • Scoring systems to enable average people to select and evaluate Main Street businesses
    • Cooperation and collaboration in conducting investment crowdfunding campaigns
    • Overcoming current challenges and criticisms of investment crowdfunding
    • Combining investment crowdfunding with other forms of capital and capital sources
    • Optimal skills and experiences for an investment crowdfunding management team
    • Setting standards for individuals and best practices for service providers supporting investment crowdfunding
    • Financing investment crowdfunding campaigns
    • Technical challenges and opportunities in investment crowdfunding
    • Potential for additional government deregulation of investment crowdfunding
    • Projecting the future impact of investment crowdfunding on Main Street businesses and local communities
    • In depth examination of investment crowdfunding on any business or social cause vertical: real estate, education, creative arts, homelessness, etc.

    For consideration for inclusion, an abstract of the article should be submitted to Mr. Dakin in the same format that it would be published in the Journal.  It “should be its clear, concise and accurate summary, having no more than 250 words, and including the explicit sub-headings (as in-line or run-in headings in bold). Ideally, each abstract should include the following sub-headings, but these may vary according to requirements of the article.

    • Background
    • Objective
    • Method
    • Results
    • Conclusion”

    To be considered for acceptance, abstracts must be submitted by October 31.  Complete articles are due by December 31.  The projected publication date of the special edition is March 2018.

    Karl Dakin

    Dakin Capital Guild LLC

    7148 S. Andes Circle

    Centennial, CO 80016


  • February 20, 2017 9:19 AM | Anonymous

    I am preparing for my presentation on raising capital for Fort Collins Startup Week (https://fortcollins.startupweek.co/) and once again wrestling with the challenge of how to explain that much of what people think they know about raising money is a myth.  [Seats are still available at 1:30 PM on Wednesday, March 1 – title is Colorado Capital Communities]

    There is an assumption built into every investment pitch that the entrepreneur is going to make it rich and that every investor in that business will also get rich.  The assumption rarely proves true for either the entrepreneur or the investor.

    In looking for facts to reject this assumption, I came across an article by Mark Perry (https://www.aei.org/publication/the-public-thinks-the-average-company-makes-a-36-profit-margin-which-is-about-5x-too-high/) where he describes data reported by Yahoo Finance (https://biz.yahoo.com/p/sum_qpmd.html).  At the time of the article, the average profit of a business was 7.5%.

    Consider the importance of this fact if the investor wants a high return on their investment such as a commonly stated goal of angel investors of seeking 10 times their money in five years.  If the angel put up 100% of all the capital of an average business, they would only earn 7.5% per year, far less than their goal 200% per year.  If part of the profits are allocated to the entrepreneur, then the return on investment to the investor is even lower.

    The average business has to offer something more than a return on investment (ROI) in order to attract capital from angel investors.  Otherwise, the angel investors will seek out the non-average business – the quick/large growth business – and make their investments with the ‘gazelles’ and the ‘unicorns’.  Not the average business.

    Failing to meet the investment criteria of angel investors and investment institutions, the ‘average business’ will need to look to other sources of capital.  These sources may include their employees, customers, vendors and suppliers, distributors and resellers, allies and strategic partners or programs of local government and communities.  In each of these situations, the business will need to demonstrate a benefit to the source of capital that goes beyond a simple cash return on investment.

    If a business cannot offer an attractive package, then it is forced to bootstrap its growth by setting aside its own profits.  This means that it cannot distribute any of its profits to its investors – making it that much more unattractive.

    What if the business borrows money instead of giving up equity (ownership)?  Even with the support of the government, a Small Business Administration guaranteed loan, is currently priced at between 6% and 8.5% (which does not include the time and cost of the business in preparing for and submitting the loan application).  In addition, the business must come up with the at least 15% of the money toward which the loan will apply.  Therefore, borrowing money may be more expensive than price of equity investment money.

    If interest rates climb this year as predicted, investments in certificates of deposit and bonds will become a more attractive alternative to investing in the ‘average’ business.  Even a CD with a 2% rate that is guaranteed compares favorably with a risky 7.5% profit rate.

    Raising capital is hard.  Raising capital by an ‘average business’ is more difficult because it has to compete against all businesses that are better than ‘average’.  A good capital strategy and capital campaign will improve the likelihood of obtaining needed investment.

    In addition, businesses must seek to reduce the cost and complexity of raising capital by taking advantage of small business programs and working collaboratively with other businesses that are also raising capital.

    Karl Dakin

    Dakin Capital Services LLC


  • January 19, 2017 1:47 PM | Anonymous

    There are a number of distinctive differences between charity, rewards and customer crowdfunding.  However, all forms of successful crowdfunding require an understanding of the person who is going to write the check whether they are a donor, a customer or an investor.  Their motivation not only determines whether they will provide the needed funds, but whether they will even look at the proposal.

    In charity crowdfunding, it may appear that the motivation of a donor is less important than that of a customer in a rewards campaign or of an investor in an investment campaign, but my opinion is that the issue of motivation is more important.  In other forms of campaigns, the person writing the check is getting something of current and/or future value.  In a charity campaign, the donor typically expects and receives nothing in return.

    To demonstrate this issue, consider a charity crowdfunding campaign that I am currently conducting in support of Plant With Purpose on GoFundMe: https://www.gofundme.com/DakinforPlantWithPurpose

    In planning this campaign, with me as the donor and the center of the fundraising activities, I considered who would benefit from the success of the campaign.  The primary stakeholders in the campaign are:

    • ·         Myself
    • ·         Plant With Purpose
    • ·         Communities supported by Plant With Purpose
    • ·         Other donors

    My contribution (in this case $100) advances my personal goals and missions – helping improve local capital systems and helping restore the planet.

    My donation advances the work of Plant With Purpose, but does not provide enough funding to support a new community ($5,000 required).

    By asking others to donate through the investment crowdfunding campaign, I stand to leverage my donation and the impact on Plant With Purpose.  That benefits both of us, but why would anyone else contribute?

    Common reasons may be:

    • ·         Because I asked (representing a benefit of the relationship between myself and the donor)
    • ·         Because they share in my values and want to aid Plant With Purpose

    This may be enough within the large number of people in my network.  For one or both reasons, I may be able to hit the $6,000 target of my campaign (Gross less fees of GoFundMe).

    I did not consider this enough.  No matter how I phrased my request to others to join in the campaign and donate, it sounded to me like professional begging.  I need money.  You have money. Please give me money.

    The event of giving felt one sided – as though Plant With Purpose or I was receiving all the benefit and none would be received by another donor.

    A successful crowdfunding campaign is dependent upon a relationship between the person asking for funding and the person providing the funding.

    After considering this challenge, I decided to offer a reward in the form of a Charity Crowdfunding Campaign Planning Workbook.  By offering this reward, I changed the transaction from a gift to a sale – an exchange of values.  My approach is not new or original – all kinds of charities offer anything from cookies to pens and notepads. 

    More importantly than the value of the reward, the offer demonstrates my respect for the donor and an acknowledgement of our relationship.  It indicates that I would like for our relationship to continue (or start) and that it will not end after I receive a check.

    Too many charities as well as too many businesses do not have a relationship with their donors or customers.  They don’t know who they are, their motivations or whether they will provide funding today or tomorrow.  Donors/Customers often feel like disposables – used once and thrown away.

    By offering a reward, I increased the reasons to donate.  Not only is there the value of a relationship with me and the help to Plant With Purpose, but the value of the Workbook.  The value will vary greatly from no value at all to enabling an individual to build and conduct their own charity crowdfunding campaign in support of Plant With Purpose or another charity.  In addition, my demonstration of respect increases the likelihood that a person may donate for only one of the first two reasons.

    By seeking to understand the motivation of a participant in a crowdfunding campaign, it is possible to improve the value of participation and to better communicate that value.  Successful crowdfunding may be considered the telling of a story where the offer is too good to refuse.

    Karl Dakin, President

    Colorado Community Capital PBC



  • December 19, 2016 2:18 PM | Anonymous

    Capital Communities have existed in one form or another for a long, long time.  Therefore, the creation of new capital communities may be incorrectly viewed as just more of the same.  Largely, I want to reject this perception.  This rejection will be demonstrated by who may be a member of a capital community, why a person may become a member and how they can act in collaboration with other members to do great good within their communities.

    Anyone may join a capital community.  No one is barred by reason of what work they do, by how much money they make or their personal/individual reasons for becoming part of a group.  In the past, laws and regulations served to result in groups comprised only of wealthy individuals – accredited investors.  This result may have been caused by a requirement that each individual invest cash and/or the amount of cash required was high ($1,000, $5,000 or even more).

    A capital community may invest in any business, social enterprise, charity or community project. As individual members or as a group (some restrictions still apply).  The organization receiving the investment must still conform to state or federal securities laws, but with investment crowdfunding almost any organization is eligible.  Depending upon the different crowdfunding laws, there are still some types of businesses that are barred.

    A capital community may invest any type of resource.  An investment or offer of financial support is not limited to cash.  It may include money, time, buildings, equipment, introductions or other items of both monetary and non-monetary value.

    A capital community is expected to focus on matching local resources with local organizations.  It may support an organization at a state or national level.

    With these expanded and less restricted parameters, who may join a capital community?

    It is expected that members will fall into one or more of four categories:

    • Supporters
    • Seekers
    • Sources
    • Services

    A capital community is like a microcosm of a community it represents: a geographic area, an industry or a social cause.

    In addition to the capital community itself, a ‘Supporter’ may also include the local chamber of commerce, the local economic development center, civic organizations or others concerned with the general welfare of a community.  Supporters may be hyperlocal (less than a county or city), a city, a county or an entire state or region.

    Seekers (anyone looking for capital) may include any business, social enterprise, charity or community project that can generate sufficient revenues from receipt of capital investment to repay the capital and generate a minimum average return on investment.

    Sources of capital include not only banks, angel investors and venture capitalists, but also customers and employees of a business, vendors and suppliers, distributors and retailers, taxpayers within the community, foundations and social causes.  It is critical that Sources include individuals and is not limited to organizations and institutions.

    Services includes any individual or organization that provides talents and knowledge in the planning and implementation of capital campaigns.  Services include marketing, IT, legal, accounting, banking, crowdfunding platforms.

    An optimal capital community may include two or three Supporters that are representatives of the community, a number of Services (it has been suggested one of each type necessary to complete a capital campaign), a number of Sources (again a cafeteria of common types) and a number of Seekers.

    The capital community needs to be big enough to support a continuing stream of capital campaigns and not so large that everyone doesn’t know everyone.  It is anticipated that each individual’s commitment to support any individual capital campaign will be influenced by the commitment of others within the community.  To keep a sense of ‘everyone knows your name’ while getting big enough to address the needs of the community, it may be necessary to create chapters or ‘team’s that work on specific campaigns.

    There is a substantial body of published knowledge available on small group management that will speak to a need for good leadership, common vision or shared values, and each individual’s willingness to make a significant contribution to the group.  Education will be important as individual members improve their skill sets within this more broadly defined capital community.

    Colorado Community Capital PBC is working towards establishment of a large number of capital communities.  Knowledge gained in this effort will be shared through blogs like this one or at briefings,  workshops and conferences to be presented in the near future.  http://www.coloradocommunitycapital.com

    Karl Dakin, President

    Colorado Community Capital PBC


  • December 12, 2016 12:54 PM | Anonymous

    In forming a ‘Capital Community’ (https://www.linkedin.com/pulse/creating-capital-community-karl-dakin?trk=mp-author-card), it is important to demonstrate value for becoming a member as soon as possible.  The greatest value of belonging to a capital community comes from the collaboration amongst the members. However, this value takes time to build and the value is difficult to assess until the capital community has successfully supported a number of capital campaigns.

    To best demonstrate immediate value, work should focus on development and publication of a ‘community capital guide’.  One of the greatest gaps within the capital industry is knowing the location of all available resources.  Typically, only a few capital sources are well known.  These sources include banks and other businesses that widely advertise their existence.  A significant number of capital sources can be identified with a little searching.  Other sources are rarely known because so little information is available and little effort is made to share this knowledge.

    A capital guide is a collection of knowledge about community capital sources: individuals, businesses, foundations, government programs as well as customers and stakeholders.  The capital guide should include all types of capital: people, buildings, equipment, knowledge as well as money.

    In designing a capital guide, a first step is to identify as many sources of capital as possible.  This may be accomplished by:

    • Asking members and member candidates
    • Interviewing capital coaches
    • Searching the Internet
      • Websites
      • News stories
      • Business organizations and events
    • Sharing information with other capital communities

    A search will reveal capital sources that are unique to the theme or topic of the capital community and other capital sources that may be available to everyone.  Both types should be included in the community capital guide.

    When capital sources are identified, members should be asked to prioritize their importance.  Those of greatest importance should be included first.

    A ‘community capital guide’ must be more than a directory with only contact information.  It must also provide some information about who may qualify for the capital source and who may not.  It is very common for any known capital source to receive a large number of applications for capital that do not meet their criteria.  As an example, angel investor groups statistically reject 98% of all applications.  Such a high rejection rate results in a waste of the resources of the organization seeking capital and it wastes the resources of the capital source in reviewing and rejecting the application.

    A capital guide must also provide information about how to correctly submit an application.  A significant percentage of capital applications are rejected because the application lacks needed information or the information is presented in a manner that the capital source cannot evaluate it. 

    Because the amount of information needed will vary greatly, the capital community will have to decide just how much information will be included in its capital guide.  In a best case, for each capital source, the capital guide would provide all possible information in a ‘paint by number’ description of how to successfully apply for the capital.  It will include examples and illustrations from actual successful applications.  Each presentation of a capital source may include multiple case studies that include an introduction by a capital coach, an interview with the person who submitted the application and the actual documents used: cover letter, submission form, capital request, pitch deck, information on the organization and any projections on use of capital, activities, cash flow or other deliverables.

    The capital community may provide a high level presentation within the capital guide and save the remainder with a greater level of detail for a book or workshop.  Selling educational programs capital communities an additional source of revenue.

    A comprehensive presentation of a capital source may not exist and need to be developed.  This work may require information gathering and analysis with comparisons between different successful applications for each capital source. 

    The cost of development of part or all of the community capital guide may force the capital community to raise its own capital.  This capital may come from sale of memberships, presentation of educational programs or sponsorships.  A capital campaign may focus on a single capital source or a group of capital sources.

    The formation of capital communities will the focus of ComCap Colorado, a conference that will be held on February 1, 2017, http://www.comcap.us/colorado, where local money is matched with local organizations.

    Capital communities are a form of super crowd that may be key to a successful crowdfunding campaign (charity, rewards or investment).  An educational program on Customer Crowdfunding will be presented by Colorado Community Capital PBC this Thursday, December 15 at Colorado Lending Source.  http://www.coloradocapitalcongress.com/events.

    Karl Dakin, President

    Colorado Community Capital PBC



  • December 05, 2016 7:27 AM | Anonymous

    It is critical that a capital community is designed and operated so that it is economically sustainable:  it makes enough money to pay the bills and engage in all of the programs and activities that benefit its members.

    It appears that a capital community may generate enough revenue to support an entrepreneur as a new venture.  The size and popularity of a particular topic of a capital community may even support a small business or nonprofit association.

    In certain situations, the capital community may be an extension of an existing association, government program or civic organization.  Economic sustainability may not be required, but it much more likely that it will be strongly supported if it does not pull resources away from established programs and activities.

    Revenue may be generated from:

    Membership fees
    ·         Program fees
    ·         Coaching services
    • Seekers – organizations who are raising capital
    • Sources – individuals or organizations looking to put their capital to work
    • Services – individuals or organizations offering help (for a fee ) in raising capital
    ·         Matchmaking Seekers and Sources
    ·         Advising Sources
    ·         Publication of Guide on Capital Sources (specific to topic of capital community)
    ·         Publication of Guide to Service Providers
    ·         Publication of Directory of Members
    ·         Support services to Investment Club
    ·         Support services to Investment Fund
    ·         Support services to Financing Fund
    ·         Referral fees
    ·         Sponsorships

    Common expenses associated with these fees include:

    ·         Executive director, coordinator or other manager
    ·         Support staff
    ·         Food and beverages
    ·         Websites, Meetup fees, email
    ·         Cell phone
    ·         Travel
    ·         Event site rental
    ·         Bank and payment processing fees
    ·         Professional services: attorney, accountant, IT, marketing
    ·         Office rental
    ·         Taxes

    Some of the revenue sources may be regulated.  If so, it will be necessary for the capital community to gain any necessary permits or authorizations and there may be a variety of associated costs with qualification, application and compliance.

    Fees for membership and certain activities and programs may increase as the value is established and recognized.  As the size of the capital community increases, it will become attractive to businesses seeking to promote themselves through sponsorship. 

    The interaction of each member with all other members may prove to be of highest value.  The positioning of the capital community as the common ground between raising money and the topic of the capital community may be unique – offering access within the network that cannot be achieved in any other way.

    It is expected that the Guide on Capital Sources will be of significant value (more details on this in a later posting).  This seemingly elusive information may fully justify whatever membership fee is charged (if included with membership) or may be sold separately.

    The lessons learned from forming these capital communities will be shared at Comcap Colorado (http://www.comcap.us/colorado) to be held on February 1, 2017.  Registration is now open for on-site participation and remote viewing.

    Karl Dakin, President

    Colorado Community Capital PBC


  • December 03, 2016 8:52 AM | Anonymous

    Space Capital Community

    Colorado Capital Community PBC has launched its first capital community.  It is focused upon the space industry: Space Capital Community (a working name till a permanent name is created).  This capital community will support organizations within the space industry in raising capital.

    Initially organized as a Meetup group, it is anticipated that the capital community may elect to become a legal entity.  It will present programs, develop products and provide services.

    The initial program will be held on December 19 at the DaVinci Institute.  To register or obtain additional information, go to: https://www.meetup.com/Space-Capital-Community/events/235755985/

    The program will feature the International Association for Astronomical Studies, a charity, that is seeking capital for development of additional STEM educational programs and to construct the Starhaven Observatory in Strasburg, Colorado.  An expert panel, with audience participation, will review different types of  capital (gifts, grants, equity investments, loans, revenue sharing, etc.) available to the charity from different sources of capital (individuals, businesses, foundations, customers, government programs, etc.).  In addition, a more detailed presentation on a particular capital source will be completed.  The program will close with a moderated discussion with attendees on how the capital community can provide greatest value to each member.

    Information gathered from members and from each program will be compiled into a catalog of capital sources for the space industry.

    The capital community may choose to provide coaching and other services to its members and to establish an investment club, an investment fund or an impact fund to finance capital campaigns.

    Information gathered by the capital community will be shared with other capital communities serving local geographic areas, social causes and other industries within a network intended to improve Colorado’s capital ecosystem.

    The capital community plans to participate in ComCap Colorado – the first statewide conference on community capital – matching local money with local businesses – to be held on February 1, 2016.  More information and registration is at: http://www.comcap.us/colorado

  • December 02, 2016 10:30 AM | Anonymous

    ComCap Colorado

    The first statewide conference on community capital – matching local money with local organizations – will be held on February 1, 2016.  More information and registration is at: http://www.comcap.us/colorado

    The conference will feature different sources for local capital and show how to form a ‘capital community’ – a group with a shared common interest – a geographic area, an industry or a social cause – that works together to support capital campaigns of organizations that manifest that interest.  Support of a capital community is provided through commitments of time, contacts and/or money.

    The conference will be of particular value to individuals and entities whose cause or mission includes raising capital for multiple organizations over time: chambers of commerce, economic development centers, incubators, accelerators, business associations, foundations.

    The conference will also be of value to anyone seeking capital (businesses, social enterprises, charities or community projects) or anyone who is a source of capital (individuals, businesses, financing companies, financial institutions, government programs, foundations), anyone who provides services in raising capital (broker/dealers, crowdfunding platforms, attorneys, accountants, marketing, IT and communications) or anyone that supports organizations in raising capital (Capital Communities, business, industry and professional associations, civic organizations, chambers of commerce, civic groups, community foundations and economic development centers).

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