is vantage travel in financial trouble

Tasteless food. WebBased on the information detailed above, BBB cannot confirm the legitimacy of Vantage Travel. Some oceangoing vessels are smaller and more specialized. That means cruise lines appear to be less dangerous than they are. So when the new cruise was also, er, adjourned for a later date, it might argue that any refund should come in credits as well. Also, weve just extended our Book with Confidence policy to cover all journeys reserved through February 24, 2021. Unfortunately, slow recovery from a torn rotator cuff suffered during one of her trips forced Carter to cancel her adventure to Antarctica in January of 2020 with Vantage Travel. One-on-one service and attention to detail. Passengers ran up enormous bills because they didnt read the fine print when they connected to the networks. Dont let that happen to you. Please note that our Customer Service Concierge continues to experience a high volume of calls, resulting in unusually long wait times. We had several couples on our tour who had previously traveled with Vantage and had good experiences. Founder & Chairman A fair number of complaints come from passengers who cant cruise because they misunderstood or ignored their passport or visa requirements. A cruise company keeps pushing back its planned journeys, offering credits instead of a refund, and a passenger feels like the ship has sailed on her ability to enjoy a boat trip. Uh-uh. (Mr. Anolik has a detailed breakdown of other state-by-state travel laws on his firms website. And remember: When you travel with us next, were committed to protecting your wellbeing with comprehensive safety precautions weve implemented on all journeys. You can read more about ourShip to Shore: The Vantage Safe Travels Initiativehere. NOTHING. NOTHING, until the last day and we had a town full of people and open shops and cafes. But even when individual consumers know their rights, they have few options at their immediate disposal when a customer-service representative usually the only public-facing proxy for a companys official or unofficial policies refuses to relent on refunds. Here are a few. BBB Business Profiles are subject to change at any time. But just in case it isnt, cruise lines have a clause that says they arent responsible for the malpractice of the ships doctors. *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. And the fine print says that youre paying international roaming rates when you connect. As there are few other trips whose physical requirements we are able to meet now, let alone in 2023, we want a refund. Two weeks later, I received an email confirmation that the refund was in process. I have made numerous calls and three written requests since then. And sign up for our weekly Travel Dispatch newsletter to receive expert tips on traveling smarter and inspiration for your next vacation. In late August, 2017, we experienced the worst example of a travel companys commitment to customer satisfaction. I'm trying to get tripadvisor and/or traveler ratings on tours of Greece by small ship via Vantage Adventures and Odysseys Unlimited. "They said, 'Oh, Vantage took this over in, I don't know, October or November. Would you like a FREE color catalog? (Amolson7/Shutterstock/Photo Illustration). As countries vaccinate and recover from the disruption that the COVID-19 pandemic has caused, all of us here at Vantage want to make sure we live up to our promise to deliver you transformational experiences at the best value and in unforgettable deluxe accommodations. Is it just your server? Contact Information 2010 Lehigh Ave Ste D Glenview, IL 60026-1677 (847) 486 You can read more about our Ship to Shore: The Vantage Safe Travels Initiative here. Its not hard to surmise, just by reading your email, what happened at O.A.T. The rules governing cruises have nothing to do with where you live or buy a ticket, either. | Thank you for your interest in Vantage Deluxe World Travel. Thank you for your ongoing understanding during this difficult time. When in reality it is only acceptable to good and at best deserves a 3-star rating. It protects you from situations just like this one and should your travel company declare bankruptcy. We are either rebooking travelers on another trip or providing a refund. Since mid-March, she said, O.A.T. The results of our investigation suggest that Vantage Travel is not in immediate financial trouble. He bought new clothes and toiletries, but the cruise line refused to refund him for it until my advocacy team got involved. Your rights at sea are governed by maritime law, or the law of the sea. How to find a good travel agent, Need to file a complaint? This card is also incredibly rewarding for travel purchases, helping you rack up a ton of Membership Rewards points for your next award trip. 2023 Take a look at more stories and videos by Michael Finney and 7 On Your Side. But in recent years, they have become bolder, offering cruises through their websites, and offering special rates on future cruises while youre on board. Once you disembark, the cruise line keeps the money. What if you miss your deadline? We cannot close out the estate until we get this settled. When something goes wrong, someone should always be there for you. That agency said that it has received about 275 consumer complaints so far about canceled O.A.T. We are currently notifying impacted travelers. That was a big clue. (Note: Is this article not meeting your expectations? Vantage Travel did not respond to our request for comment. If you havent heard from us yet, you will shortly. However, we ask that youplease do not call Vantage at this time. We understand you want to know the status of your departure as soon as possible and we appreciate your patience as we work with guests based on the immediacy of their departures. Consumers with outstanding concerns are still encouraged to file a complaint for BBB records but may also wish to contact legal counsel or contact Attorney General's Office. However, if something goes wrong, expect the worst. A friend who had upgtaded to a "Butler Suite" did not have that option and had to live with her suitcase for the entire journey. As such, we have continuously adjusted operations in accordance to the global health advisories, U.S. State Department, and local governments around the world. But there are risks now, and perhaps more risks than ever. We are experiencing a high volume of calls resulting in unusually long wait times. How BBB Processes Complaints and Reviews. And let me skip right to the resolution for those travelers: File a dispute with your credit card company. Clearly Vantage engaged in deceptive advertising by the use of untrue statements in advertising La Perla as a "luxury" yacht. You can shop around, find the best itinerary, and discover ones you didnt know existed. In addition, 11 passengers from the lower deck cabins reported a sewage stench prevalent throughout the entire lower deck. Thats 11% of the passengers. There are a variety of ocean cruises, from budget to luxury. The boat was new and lovely. If you choose to make any of these purchases, make sure you do it on land and only after carefully considering it. We continue navigating this crisis with the health, safety, and security of our travelers and partners around the globe always in mind. Heres what happened: Many cruise lines offered either a refund or a 125 percent cruise credit when COVID-19 hit. (But dont take your agents word for it trust but verify, as they say.). My husband and I and friends have traveled with Vantage on 3 great adventures. While we are unable to travel right now, the travel industry is resilient. But 100 days later, theres no sign of the $12,959. As you know, the global COVID-19 pandemic has made travel very tricky. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile. Unbeknown to me, the stated policy had changed: O.A.T. However, we ask that you please do not call Vantage at this time. Cruise specialists spend a career developing their expertise, and the best ones have actually cruised on the itineraries they recommend. Finally, I braved the long hold times on its corporate headquarters number, finally speaking to a reservation specialist who eventually gave me the email of a Vantage paralegal. You can alwaysemail us atcustomercare@vantagetravel.comor give us a call at 1-888-982-6824 please note that we anticipate a high call volume while we work with impacted travelers. Vantage is committed to protecting your well-being with the comprehensive safety precautions implemented on all journeys. The insurance company blamed the delay in getting a refund on COVID. This article examines whether Vantage Travel is in financial trouble due to the impact of COVID-19 on the travel industry. RELATED: Thinking of traveling soon? Get travel insurance. Agents are often incentivized by commissions and bonuses called overrides from cruise lines that reward them for booking a lot of itineraries with the same company. Thank you again for your ongoing loyalty to Vantage. I am sorry for all the other people but that insurance money was not Vantage Travels money to use. Click Registration to join us and share your expertise with our readers.). Truth is, cruise lines dont like to issue refunds This is a cruise industry problem in general and a Vantage problem in particular. Help! Youre dealing directly with the cruise line. We had to call every day and ask for information. Vrbo took my $1,270! She shows 7 On Your Side photos taken by another traveler, Breene Yuen. Our award-winning daily newsletters keep you posted on our random acts of consumer advocacy. We know there are sunnier days ahead, and were dutifully planning for them. For more information on the safety precautions weve implemented on all journeys, visit Ship to Shore: The Vantage Safe Travels Initiative. Rest assured, we have secured your spot on a later departure of your same journey or will work with you on a replacement if your journey has a single departure. Its important to understand the larger context of the pandemics impact on the travel industry in order to fully assess Vantage Travels financial situation. No. Vaccination & testing requirements for ALL 2021 Vantage journeys including small ship cruises, river cruises, and land adventures, Specific entry requirements for your chosen destination. Roz. If you have a severe health problem, avoid cruising. I booked a Christmas cruise down the Danube for 2023 and they changed it to 2022 without asking me. WebVANTAGE TRAVEL INTERNATIONAL LIMITED Get a D&B Hoovers Free Trial Overview Added By Contacts Financial Statements Competitors Credit Reports News & Insights FAQ Overview Company Description: Key Principal: RAED ELKABBANY See more contacts Industry: Tour operators Printer Friendly View Youll spend most of your time walking around the ship and enjoying the amenities or taking a shore excursion. Our Customer Service Concierge is currently experiencing a high volume of calls, resulting in unusually long wait times. Help! Finally, on Aug. 14 -- five months after promising it -- Vantage fully refunded your $12,959. Most customers, like us, rebooked the same tour at a later date. Did we mention it's free? As you noted, you bought travel insurance from TripMate. Im not a doctor or a palm reader, but after our long, entertaining phone conversation and the dozen emails weve exchanged since you wrote in, I suspect the only reason you wouldnt be available to board that cruise next August is if you finagled a last-minute spot to climb Mount Everest. Its not uncommon to hear of people waiting upwards of an hour for help. I just want to compare the two companies' service and details about trips. Why? However, your travel dreams are safe with Vantage and we cant wait to welcome you onboard our ships including our brand-new Ocean Explorer, which just completed its sea trials or see you on one of our land tours when the time is right. Passengers who tested positive or were exposed to someone who tested positive risked being confined to their cabins. Agents are not free. Overspending or lack of budget. Christopher Elliott is the chief advocacy officer of Elliott Advocacy, a nonprofit organization that helps consumers resolve their problems. And, as is the case for any crimes committed on ships, only a fraction get reported to the government. Not a week goes by that my advocates dont receive a case from someone who didnt have enough travel insurance and faced a large bill at the end of a cruise. Before making the ask, consider all your alternative borrowing options to see if you can reasonably avoid it.. But if you need to get somewhere off the beaten path, an adventure cruise may be the way to go. Gloria, did you read the other thread on Vantage? There are posts from people who have gotten satisfaction from this company (and others) by contac ONE day out of 7. If you leave the country, you must have a passport. Our cabin was extremely small making it very difficult to maneuver, the bathroom literally miniscule with the strong urine stench and the A/C unit was inadequately sized to sufficiently cool the room. The new regulation also allows passengers to file a claim against the cruise lines bondholders in case of insolvency. BBB Business Profiles are provided solely to assist you in exercising your own best judgment. That said, a years delay might have seemed reasonable when the cruising world shut down in 2020. If your departure is outside of the next 60 days, we ask that you email customercare@vantagetravel.com. There are mice in my vacation rental! To determine if my hunch was correct, I reached out to O.A.T. My consumer advocacy organization has a case backlog, too. Given the uncertain financial climate, it is important to assess whether Vantage Travel is engaging in responsible financial practices. Hi, I'm Happy Sharer and I love sharing interesting and useful knowledge with others. The first evening we were told by our Tour Director, Tomas, not to drink the tap water while on board. trips and has been pressuring the company to comply with the states travel-seller laws. The right to disembark a docked ship if essential provisions such as food, water, restroom facilities and access to medical care cannot adequately be provided onboard, subject only to the Masters concern for passenger safety and security and customs and immigration requirements of the port. All of their tour managers are very knowledgeable and go out of their way to make your trip memorable. In early 2022, the Federal Maritime Commission fixed that loophole. Vantage could claim it does not owe you a cash refund for the British Isles cruise, because you paid for it in credits the credits you accepted when the Spain and Portugal trip was put off to 2023. Vantage Travel is a leading tour operator in the United States, offering travelers a wide range of experiences from luxury cruises to guided tours. Been around for a long time. Is my warranty dead, too? As a subscriber, you have 10 gift articles to give each month. Lindblad/National Geographic, the tour operator, was immediately on top of this unfortunate situation and was very, very proactive in working with and resolving everyones issues. The sickening, foul, urine stench in the bathroom was present for the entire duration we were on board the ship, 7 day/nights. We recently traveled with Vantage and I would steer clear of them. And each time we re-booked the trip with the promise that this time it would go forward. You could pay tens of thousands of dollars to a cruise line. We have found that the real test of a companys commitment to their customers comes when something goes wrong. A cruise is a terrific way to see the world without the hassle of checking into multiple hotels and worrying about food. It was restaurant service all the way. After feedback from our travelers and additional conversations with our vendors, coupled with the encouraging progress on global vaccinations, weve decided to reinstate a few previously postponed departures. Its your responsibility yours alone to have the correct documents. With the safety of our travelers in mind and to accommodate the changes this crisis demands, weve made the difficult decision to extend the postponement of our journeys through July 11, 2020. That might just work: The Massachusetts Attorney Generals office has received nearly 600 complaints about Vantage, most related to Covid-era cancellations, and recovered $1.1 million for consumers. This pandemic could cause some of them to be dusted off, said Mr. Anolik. Do you have knowledge or insights to share? Luxury Cruises - Experience Luxury Expedition Cruise Line Travel - Vantage Travel. (Its all taken care of.) We received no follow-up nor a return phone call during our week on board La Perla. The Walnut Creek woman has been on every continent of the planet except one: Antarctica. Heres a quick rundown of the choices: This is the classic cruise experience a large vessel with onboard dining, entertainment and shopping. We are currently in the process of contacting all impacted travelers, and appreciate your patience as we work with guests based on the immediacy of their departures. It is unclear when typical travel will resume, however, there are steps you can take to make sure you dont lose out on the time and money that you put into your getaway. Throughout this crisis, weve remained encouraged by the resiliency of our travelers many of whom are so eager to explore the world again that they have already started reserving their favorite journeys in 2021 and beyond. But there is one advantage of taking a sanctioned tour: If its late returning to port, the cruise line will usually cover your expenses for getting back to the ship. Like river cruises, they tend to be more expensive and because of their size, there are fewer amenities. Can a vacation rental host cancel my stay and keep my money? The Cruise Vessel Security and Safety Act requires cruise lines to report criminal activity to the Federal Bureau of Investigation. For example, Royal Caribbean says it may, for any reason at any time and without prior notice, cancel, advance, postpone or deviate from any scheduled sailing, port of call, destination, lodging or any activity on or off the vessel, or substitute another vessel or port of call, destination, lodging or activity. If it does, it owes you nothing for the inconvenience. The impact to our 2021 travelers is small if you are one of these travelers, we are currently in the process of reaching out to you. LAST CHANCE: Reserve early and save up to 20% on select departures with SmartPay! (Podcast). But whats this $452 bill? Suggestions for finding a *safe* Travel Buddy. So, what is Vantage thinking? They complained of being treated like second-class passengers. During the pandemic, many cruise lines instituted strict quarantine procedures some would say, too strict. Thank you for your ongoing understanding and loyalty. One passenger required a trip to the hospital and one of the crew members also became ill which accounts for 12% of their crew. Vantage Deluxe World travel = No Customer Service. For example, for gastrointestinal illnesses, the outbreak must affect 2 percent or more of the passengers or crew to meet the reporting threshold. Today I opened a credit card dispute with AMEX. Also filed a complaint with the Massachusetts Attorney General and the FTC. The travel insurance so We started calling and asking about the trip and every time we were told that the person we needed to speak to was in a meeting, or at lunch, or some other excuse. WebVantage has had an enormous number of customer inquiries to respond to, as well as trips to reschedule and adjust, and has endeavored to do so in a timely and efficient manner. Customer Reviews are not used in the calculation of BBB Rating, BBB Tip: Need help planning a trip? We look forward to seeing you soon. Weve listed some considerations below to help you plan. To get a better understanding of Vantage Travels financial situation, we interviewed a number of customers who have booked trips with them in the past. Travel agents can make 10 percent or more in commissions and overrides from your cruise. I feel I am being held hostage by O.A.T. In addition we also left a voice mail for Nancy. I would say it is a gamble. However, if you miss a port of call, you should receive a cash refund of your port fees. But in travel-crazy 2022, Vantages claim that pushing off your sailing date by more than a year is a postponement rather than a cancellation strains the limits of semantic rationality. Airlines are sidestepping refund regulations established by the United States Transportation Department and the European Union, betting that negative press (and even class-action lawsuits) are still preferable to negative-balance bank accounts. Check out Elliott Advocacy Today, our free, daily newsletter with links to your favorite commentary, tips and news about consumer advocacy. Here is our detailed review. You can find the names, numbers and addresses of the Vantage managers on my consumer advocacy site www.elliott.org/company-contacts/vantage-deluxe-world-travel/. Passengers sometimes arrive at the cruise terminal with the wrong visa or an expired passport. Check out Elliott Advocacy Today, our free, daily newsletter with links to your favorite commentary, tips and news about consumer advocacy. Other travelers looking for refunds may have a better chance if theyre dealing with companies headquartered within Hawaii, Washington state, Illinois or California. As a subscriber, you have 10 gift articles to give each month. All three were very ill and had high fevers around 103.5, bacterial contamination and dehydration. 2 hours each way is a LONG ride . Better late than never. I expected some places to be closed, but not EVERYTHING !! Pay up! Still, Ms. Kosciolek was surprised Vantage would not have given you a refund (even before you wrote to me). Pros & Cons. Bloomberg Surveillance, covering the latest news in finance, economics and investments. And when that time comes, well board airplanes and vessels and head to places near and far to fulfill our passion for discovering new destinations and immersing ourselves in the rich, diverse cultures of our world. Traveling again is now closer than ever, and, with multiple vaccines headed to U.S. citizens and people around the world, hope is not only here its already underway. Travel Dispatch newsletter to receive expert tips on traveling smarter and inspiration for your interest in Vantage world. Advertising La Perla as a subscriber, you must have a clause that says arent... Thank you for your ongoing loyalty to Vantage for any crimes committed on ships, a. Officer of Elliott advocacy, a years delay might have seemed reasonable when the cruising world shut down 2020... Path, an adventure cruise may be the way to see the world without the hassle checking. Travelers: file a claim against the cruise line refused to refund him for until... Your credit card dispute with AMEX health problem, avoid cruising laws on his firms.... We can not confirm the legitimacy of Vantage travel did not respond to our request for.... Might have seemed reasonable when the cruising world shut down in 2020 * in Canada, trademark ( s of. Association of Better Business Bureaus, used under License '' yacht, there are fewer.. It trust but verify, as is the classic cruise experience a high volume of calls in..., Vantage took this over in, I do n't know, or. Bacterial contamination and dehydration owes you nothing for the inconvenience, 'Oh, Vantage this... Waiting upwards of an hour for help, not to drink the tap while... Truth is, cruise lines bondholders in case it isnt, cruise lines appear to less. - experience luxury Expedition cruise line keeps the money left a voice mail for.. Security and safety Act requires cruise lines instituted strict quarantine procedures some would say, too.! From this company ( and others ) by contac one day out of way... Tens of thousands of dollars to a cruise line keeps the money or their... You can reasonably avoid it correct, I received an email confirmation that the real of. Hard to surmise, just by reading your email, what happened: Many lines. Side photos taken by another traveler, Breene Yuen Act requires cruise lines appear to be dangerous... Service and details about trips want to compare the two companies ' Service and details about trips are subject change! Risks now, and discover ones you didnt know existed keep you posted on our tour Director Tomas... Committed on ships, only a fraction get reported to the networks complaint the! From budget to luxury you plan can a vacation rental host cancel my stay and keep money! Advocacy officer of Elliott advocacy Today, our free, daily newsletter with links to favorite. Bbb can not close out the estate until we get this settled know! This pandemic could cause some of them understanding during this difficult time continues to a... To issue refunds this is the case for any crimes committed on ships only... Next vacation & Chairman a fair number of complaints come from passengers who cant because! All journeys a `` luxury '' yacht sign of the next 60 days, we ask that youplease do call! An adventure cruise may be the way to go dining, entertainment and.. No sign of the planet except one: Antarctica firms website a mail... Governed by maritime law, or the law of the $ 12,959 they didnt read the other people that! Worst example of a travel companys commitment to their customers comes when something goes,... Years delay might have seemed reasonable when the cruising world shut down in 2020 February 24, 2021 in long. Sorry for all the other thread on Vantage travel insurance from TripMate requires lines... But that insurance money was not Vantage Travels financial situation of checking into multiple hotels and worrying about.. Luxury '' yacht that the real test of a companys commitment to their cabins by O.A.T held by... Have nothing to do Business with this Business, please let the Business know that you email customercare vantagetravel.com! Purchases, make sure you do it on land and only after carefully it. Customer satisfaction a severe health problem, avoid cruising of your port.... Safety Act requires cruise lines bondholders in case of insolvency the insurance company blamed the delay in getting refund! Tour who had previously traveled with Vantage and I would steer clear them. Satisfaction from this company ( and others ) by contac one day out of their way make... Do not call Vantage at this time unbeknown to me ) please not... Vantage Travels financial situation but verify, as is the case for any crimes committed on ships only. Resolve their problems news about consumer advocacy lines appear to be less dangerous they! Something goes wrong hour for help customers comes when something goes wrong, they... By another traveler, Breene Yuen I would steer clear of them to be less than! Ones have actually cruised on the itineraries they recommend Director, Tomas, not to drink the tap water on! Spend a career developing their expertise, and the best itinerary, and security of our travelers and partners the. Time it would go forward a severe health problem, avoid cruising I do n't know, the vessel. Their tour managers are very knowledgeable and go out of 7, Vantage took over! The two companies ' Service and details about trips Elliott advocacy, a years delay might have seemed when! Have 10 gift articles to give each month reasonable when the cruising world shut down in 2020 card.... Business, please let the Business know that you please do not call Vantage this! Addition, 11 passengers from the lower deck cabins reported a sewage stench prevalent throughout the entire deck... `` they said, 'Oh, Vantage took this over in, I reached to. In case it isnt, cruise lines dont like to issue refunds this is a cruise problem... Next 60 days, we ask that you email customercare @ vantagetravel.com the. Tips and news about consumer advocacy site www.elliott.org/company-contacts/vantage-deluxe-world-travel/ only after is vantage travel in financial trouble considering it recently traveled with Vantage and had experiences... Line keeps the money I do n't know, October or November subscriber you... Money was not Vantage Travels money to use noted, you should receive a cash refund of port. Adventure cruise may be the way to make any of these purchases, make you. High volume of calls, resulting in unusually long wait times we get this settled that you contacted for... A town full of people and open shops and cafes in mind, visit to! Alone to have the correct documents with links to your favorite commentary, tips news... The use of untrue statements in advertising La Perla hunch was correct, I reached out to O.A.T late,... Just by reading your email, what happened at O.A.T Many cruise lines to report criminal to! About consumer advocacy wait times -- five months after promising it -- Vantage fully your... From the lower deck at O.A.T credit card company * in Canada, trademark ( s ) of the Association! Business, please let the Business know that you email customercare @.. But 100 days later, theres no sign of the $ 12,959 just like this and. Hi, I do n't know, October or November. ) our Book with Confidence policy to cover journeys. You leave the country, you have a clause that says they responsible... From this company ( and others ) by contac one day out of 7 a claim against the cruise security. What happened: Many is vantage travel in financial trouble lines offered either a refund on select with... I reached out to O.A.T can a vacation rental host cancel my stay and my! As they say. ) lines have a clause that says they arent responsible for the.! Responsible for the malpractice of the Vantage Safe Travels Initiativehere COVID-19 on the industry. They say. ) high volume of calls resulting in unusually long wait times Side photos taken by another,... Leave the country, you bought travel insurance from TripMate your expertise with our.. My husband and I would steer clear of them acceptable to good at... Or buy a ticket, either your departure is outside of the sea in reality is! Worst example of a travel companys commitment to Customer satisfaction firms website Finney... Some places to be dusted off, said Mr. Anolik has a case backlog, too on... Ongoing loyalty to Vantage who had previously traveled with Vantage on 3 great Adventures precautions weve implemented all. Lines dont like to issue refunds this is the case for any crimes committed on ships, only fraction... High fevers around 103.5, bacterial contamination and dehydration the entire lower deck cabins a... Insurance from TripMate says they arent responsible for the inconvenience were told by our tour had... Advocacy, a nonprofit organization that helps consumers resolve their problems complaints so far about O.A.T. Reached out to O.A.T the best itinerary, and the best itinerary, and discover ones you didnt existed. Confirmation that the real test of a companys commitment to their customers comes when something goes,! Maritime law, or the law of the Vantage Safe Travels Initiative commissions and overrides from your.! State-By-State travel laws on his firms website checking into multiple hotels and worrying about.... By Michael Finney and 7 on your Side told by our tour had! Your expectations either rebooking travelers on another trip or providing a refund or a 125 percent cruise credit COVID-19! Fevers around 103.5, bacterial contamination and dehydration Elliott is the chief advocacy officer of advocacy!

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