Indiana State Department of Agriculture (ISDA)
The Indiana Meat and Poultry Intermediary Lending Program (MPILP) is a $15 million revolving loan program that assists Indiana meat and poultry packers and processors with access to affordable capital for meat expansion projects. This intermediary lending program addresses critical meat expansion needs, which developed and have continued since the start of the COVID-19 pandemic. The program will support local livestock producers by allowing their market ready livestock to be processed within their communities by reducing processing booking delays. ISDA will be working closely with the Indiana Economic Development Corporation (IEDC), who will serve as the intermediary lender. ISDA is also partnering with the Indiana Small Business Development Centers (ISBDC) who will assist in development of meat expansion projects and loan packages with local meat packers and processors.
Download the MPILP Grant Program One-Pager HERE.
TIMELINE:
Pre- applications will open April 1, 2024 at 8:00 a.m. ET.
Click here for the pre-application.
This program has a rolling application timeline which means applications can be submitted at any time.
WHO IS ELIGIBLE:
Indiana small and very small meat and poultry packers and processors that are not members of “the big four.” For example, in beef processing, “the big four” include Cargill, Tyson Foods, JBS SA and National Beef Packing.
ELIGIBLE EXPENSES MAY INCLUDE, BUT ARE NOT LIMITED TO:
Indiana Meat and Poultry Intermediary Lending Program MPILP eligible uses include:
- Expansion of existing business
- Start-up of new business
- Real estate purchase
- New construction
- Facilities update or expansion
- Equipment purchase
- Energy efficiency upgrades to facilities and equipment
- Purchase of an existing business
- Working capital
- Pollution control such as wastewater management
ELIGIBILITY:
Meat & Poultry Processing Loans are available to primary (slaughter) and secondary (cut, pack, value-added) meat processors. Processors must either be federal USDA inspected or state inspected by the Board of Animal Health BOAH to be eligible. Loans are available only to small and very small meat and poultry processors in the state of Indiana.
LOCAL BANK PARTICIPATION:
Indiana MPILP funds are available through local bank participation loans. Our MPILP team will work directly with you and your local banks to determine the structure of the local bank participation loan.
RATES & FEES:
Current Indiana MPILP fund rates are 3% for building and equipment, 2% for wastewater projects. The local bank rates will be current market loan rates. A local bank participation loan where MPILP funds are used will end up with a “blended” interest rate which will assist your business by lowering your overall interest rate. Loan fees will be the standard closing fees used by the local banks.
ISDA is working closely with the Indiana Banking Association (IBA) to encourage local bank participation on the meat expansion revolving loans that will result in blended interest rates while preserving local bank relationships.
TERMS:
The amortization period for MPILP funds can be from 1 to 15 years based on the term requirements from the local bank. In general, terms will match the useful life of the business asset being financed. Longer term loans may utilize periodic balloon payments with option to refinance based on the local bank eligibility.
LOAN LIMITS:
Indiana MPILP funds may range from $100,000 to $5 million.
OWNER EQUITY:
In general, MPILP funds will have the same requirements that an owner has made to the local bank. Owners must make a financial investment of 10% to 20% of the requested loan amount.
COLLATERAL REQUIREMENTS:
MPILP loans through local bank participation are typically collateralized by business and/or personal assets.
UNDERWRITING PROCESS:
Loans will be underwritten based on historic and projected cash flows with demonstrated ability to repay being the primary underwriting consideration. All MPILP loans require concurrence from USDA on the underwriting recommendation. The Indiana MPILP team will lead the loan concurrence process with the USDA.
REQUIRED DOCUMENTS:
A partial list of required documents appears below. Each loan is unique, and additional documents may be required based on the circumstances of the loan.
- Business financials statements
- Year-to-date profit and loss statement
- Current business balance sheet
- Business tax returns
- Proof of business ownership
- Trade name registration, if applicable
- Schedule of sources and uses
- Proof of personal equity injection
- Business plan
- Business bank statements
- Personal financial statement
- Personal tax returns
- Environmental review, if required by USDA and by project
MPILP SUPPORT:
The Indiana MPILP Team will help advise you throughout the loan development and term, providing support as needed. We will refer you to a regional Indiana Small Business Development Center ISBDC, https://isbdc.org/ to assist in business plan development and important financial planning. Access to the business professionals through the Indiana Small Business Development Centers ISBDC is a free service.
FOR MORE INFORMATION:
For information regarding the Indiana Meat and Poultry Intermediary Lending Program, please contact our Indiana MPILP team at
What does this program do?
The program provides guaranteed loan financing and grant funding to agricultural producers and rural small businesses for renewable energy systems or to make energy efficiency improvements. Agricultural producers may also apply for new energy efficient equipment and new system loans for agricultural production and processing.
Who may apply for this program?
- Agricultural producers
- An entity directly engaged in production of agricultural products where at least 50 percent of their gross income coming from agricultural operations.
- Small businesses
- Must be located in eligible rural areas and one of the following:
- Private for-profit entity (sole Proprietorship, Partnership, or Corporation)
- A Cooperative [including those qualified under Section 501(c)(12) of IRS Code]
- An electric utility (including a Tribal or governmental electric utility) that provides service to rural consumers and operates independent of direct government control)
- A Tribal corporation or other Tribal business entities that are chartered under Section 17 of the Indian Reorganization Act (25 USC 477) or have similar structures and relationships with their Tribal entity without regard to the resources of the Tribal government.
- Must meet the Small Business Administration size standards in accordance with 13 CFR 121.
- Must be located in eligible rural areas and one of the following:
NOTE: Agricultural producers and small businesses must have NO outstanding delinquent federal taxes, debt, judgment or debarment.
Who may qualify for loan guarantees?
Eligible borrowers are:
- Rural small businesses.
- Agricultural producers.
What are the borrowing restrictions for loan guarantees?
- Individual borrowers must be citizens of the United States or reside in the U.S. after being legally admitted for permanent residence.
- Private-entity borrowers must demonstrate that loan funds will remain in the U.S.
What is an eligible area?
- Projects must be located in rural areas with populations of 50,000 residents or less*.
- Check eligible rural area
Agricultural producers may submit projects to be located in non-rural areas as long as the project is associated with an on-site production operation.
How may the funds be used?
Funds may be used for the purchase and installation of renewable energy systems, such as:
- Biomass (for example: biodiesel and ethanol, anaerobic digesters, and solid fuels).
- Geothermal for electric generation or direct use.
- Hydropower below 30 megawatts.
- Hydrogen.
- Small and large wind generation.
- Small and large solar generation.
- Ocean (tidal, current, thermal) generation.
Funds may also be used for the purchase, installation and construction of energy efficiency improvements, such as:
- High efficiency heating, ventilation and air conditioning systems (HVAC).
- Insulation.
- Lighting.
- Cooling or refrigeration units.
- Doors and windows.
- Electric, solar or gravity pumps for sprinkler pivots.
- Switching from a diesel to electric irrigation motor.
- Replacement of energy-inefficient equipment.
Energy Efficiency Improvement applications must contain an Energy Audit, or Energy Assessment (depending on Total Project Costs) that complies with Appendix A to RD Instructions 4280-B
Agricultural producers may also use guaranteed loan funds to install energy efficient equipment and systems for agricultural production or processing.
What funding is available?
- Loan guarantees on loans up to 75 percent of total eligible project costs.
- Grants for up to 50 percent of total eligible project costs.
- Combined grant and loan guarantee funding up to 75% of total eligible project costs.
What is the maximum amount of a loan guarantee?
The loan guarantee percentage is published annually in a Federal Register notice. REAP loans approved in Fiscal Year 2024 will receive an 80 percent guarantee.
What are the loan guarantee terms?
The lender, with Agency concurrence, will establish and justify the guaranteed loan term based on the use of guaranteed loan funds, the useful economic life of the assets being financed and those used as collateral, and the borrower’s repayment ability. The loan term will not exceed 40 years.
What are the interest rates for the loan guarantee?
- Interest rates are negotiated between the lender and borrower.
- Rates may be fixed or variable.
- Variable interest rates may not be adjusted more often than quarterly.
What are the applicable fees for the loan guarantee?
- There is an initial guarantee fee, currently 1 percent of the guaranteed amount.
- There is a guarantee retention fee, currently 0.25 percent of the outstanding principal balance, paid annually.
- Reasonable and customary fees for loan origination are negotiated between the borrower and lender.
What are the underwriting requirements for the loan guarantee?
- The lender will conduct a credit evaluation using credit documentation procedures and underwriting processes that are consistent with generally accepted prudent lending practices and also consistent with the lender’s own policies, procedures and lending practices.
- The lender’s evaluation must address any financial or other credit weaknesses of the borrower and project and discuss risk mitigation requirements.
- The lender must analyze all credit factors to determine that the credit factors and guaranteed loan terms and conditions ensure guaranteed loan repayment.
- Credit factors to be analyzed include but are not limited to character, capacity, capital, collateral, and conditions.
What are the grant terms?
Renewable Energy System Grants:
- $2,500 minimum.
- $1 million maximum.
- $1,500 minimum.
- $500,000 maximum.
Are there additional requirements?
- Applicants must provide matching funds if applying for a grant only.
- 50% Federal grant share limited to projects that meet one of the following:
- Project is a Renewable Energy System (RES), or RES retrofit that produces zero greenhouse gas emissions (Carbon Dioxide, Methane, Nitrous Oxide, or Fluorinated Gases) at the project level.
- Project is located in an Energy Community as defined in 26 USC 45(b)(11)(B) and determined by the Department of the Treasury.
- Project is an Energy Efficiency Improvement (EEI).
- Is a project proposed from an eligible Tribal Corporation or other Tribal Business entity (including agriculture operations) as described in 7 CFR part 4280.
- All other projects are limited to 25% Federal grant share
- 50% Federal grant share limited to projects that meet one of the following:
- Applicants must provide at least 25 percent of the project cost if applying for loan.
- All projects must have technical merit and utilize commercially available technology.
- Energy efficiency projects require an energy audit or assessment.
- All projects require an environmental review prior to award or construction
How do we get started? Applications for this program are accepted year-round at your local office
Who can answer questions?
Contact your State Rural Development Energy Coordinato
What law governs this program?
- Grants – Code of Federal Regulation, 7 CFR Part 4280 -- Loans and Grants
- Guaranteed Loans – Code of Federal Regulation, 7 CFR 5001.
- This program is authorized by Title IX of the
Why does USDA Rural Development do this?
This program helps increase American energy independence by increasing the private sector supply of renewable energy and decreasing the demand for energy through energy efficiency improvements. Over time, these investments can also help lower the cost of energy for small businesses and agricultural producers.
NOTE: Because citations and other information may be subject to change, please always consult the program regulations listed in the section above titled “What law governs this program?” You may also contact your local office for assistance.
REAP Stakeholder Announcement
Due to the overwhelming response to the March 31st Notice of Solicitation of Applications, our processing times may be longer than anticipated. We are working diligently to ensure the quickest response time possible. Thank you for your patience.
Federal Register Notice - Correction Notice
FAQs
REAP Program Updates
- Rural Energy for America Program: Inflation Reduction Act Changes. Applicable to REAP RES/EEI grant applications received on or after April 1, 2023
What does this program do?
The program provides guaranteed loan financing and grant funding to agricultural producers and rural small businesses for renewable energy systems or to make energy efficiency improvements. Agricultural producers may also apply for new energy efficient equipment and new system loans for agricultural production and processing.
Who may apply for this program?
- Agricultural producers
- An entity directly engaged in production of agricultural products where at least 50 percent of their gross income coming from agricultural operations.
- Small businesses
- Must be located in eligible rural areas and one of the following:
- Private for-profit entity (sole Proprietorship, Partnership, or Corporation)
- A Cooperative [including those qualified under Section 501(c)(12) of IRS Code]
- An electric utility (including a Tribal or governmental electric utility) that provides service to rural consumers and operates independent of direct government control)
- A Tribal corporation or other Tribal business entities that are chartered under Section 17 of the Indian Reorganization Act (25 USC 477) or have similar structures and relationships with their Tribal entity without regard to the resources of the Tribal government.
- Must meet the Small Business Administration size standards in accordance with 13 CFR 121.
- Must be located in eligible rural areas and one of the following:
NOTE: Agricultural producers and small businesses must have NO outstanding delinquent federal taxes, debt, judgment or debarment.
Who may qualify for loan guarantees?
Eligible borrowers are:
- Rural small businesses.
- Agricultural producers.
What are the borrowing restrictions for loan guarantees?
- Individual borrowers must be citizens of the United States or reside in the U.S. after being legally admitted for permanent residence.
- Private-entity borrowers must demonstrate that loan funds will remain in the U.S.
What is an eligible area?
- Projects must be located in rural areas with populations of 50,000 residents or less*.
- Check eligible rural areas
Agricultural producers may submit projects to be located in non-rural areas as long as the project is associated with an on-site production operation.
How may the funds be used?
Funds may be used for the purchase and installation of renewable energy systems, such as:
- Biomass (for example: biodiesel and ethanol, anaerobic digesters, and solid fuels).
- Geothermal for electric generation or direct use.
- Hydropower below 30 megawatts.
- Hydrogen.
- Small and large wind generation.
- Small and large solar generation.
- Ocean (tidal, current, thermal) generation.
Funds may also be used for the purchase, installation and construction of energy efficiency improvements, such as:
- High efficiency heating, ventilation and air conditioning systems (HVAC).
- Insulation.
- Lighting.
- Cooling or refrigeration units.
- Doors and windows.
- Electric, solar or gravity pumps for sprinkler pivots.
- Switching from a diesel to electric irrigation motor.
- Replacement of energy-inefficient equipment.
Energy Efficiency Improvement applications must contain an Energy Audit, or Energy Assessment (depending on Total Project Costs) that complies with Appendix A to RD Instructions 4280-B
Agricultural producers may also use guaranteed loan funds to install energy efficient equipment and systems for agricultural production or processing.
What funding is available?
- Loan guarantees on loans up to 75 percent of total eligible project costs.
- Grants for up to 50 percent of total eligible project costs.
- Combined grant and loan guarantee funding up to 75% of total eligible project costs.
What is the maximum amount of a loan guarantee?
The loan guarantee percentage is published annually in a Federal Register notice. REAP loans approved in Fiscal Year 2024 will receive an 80 percent guarantee.
What are the loan guarantee terms?
The lender, with Agency concurrence, will establish and justify the guaranteed loan term based on the use of guaranteed loan funds, the useful economic life of the assets being financed and those used as collateral, and the borrower’s repayment ability. The loan term will not exceed 40 years.
What are the interest rates for the loan guarantee?
- Interest rates are negotiated between the lender and borrower.
- Rates may be fixed or variable.
- Variable interest rates may not be adjusted more often than quarterly.
What are the applicable fees for the loan guarantee?
- There is an initial guarantee fee, currently 1 percent of the guaranteed amount.
- There is a guarantee retention fee, currently 0.25 percent of the outstanding principal balance, paid annually.
- Reasonable and customary fees for loan origination are negotiated between the borrower and lender.
What are the underwriting requirements for the loan guarantee?
- The lender will conduct a credit evaluation using credit documentation procedures and underwriting processes that are consistent with generally accepted prudent lending practices and also consistent with the lender’s own policies, procedures and lending practices.
- The lender’s evaluation must address any financial or other credit weaknesses of the borrower and project and discuss risk mitigation requirements.
- The lender must analyze all credit factors to determine that the credit factors and guaranteed loan terms and conditions ensure guaranteed loan repayment.
- Credit factors to be analyzed include but are not limited to character, capacity, capital, collateral, and conditions.
What are the grant terms?
Renewable Energy System Grants:
- $2,500 minimum.
- $1 million maximum.
Energy Efficiency Grants:
- $1,500 minimum.
- $500,000 maximum.
Are there additional requirements?
- Applicants must provide matching funds if applying for a grant only.
- 50% Federal grant share limited to projects that meet one of the following:
- Project is a Renewable Energy System (RES), or RES retrofit that produces zero greenhouse gas emissions (Carbon Dioxide, Methane, Nitrous Oxide, or Fluorinated Gases) at the project level.
- Project is located in an Energy Community as defined in 26 USC 45(b)(11)(B) and determined by the Department of the Treasury.
- Project is an Energy Efficiency Improvement (EEI).
- Is a project proposed from an eligible Tribal Corporation or other Tribal Business entity (including agriculture operations) as described in 7 CFR part 4280.
- All other projects are limited to 25% Federal grant share
- 50% Federal grant share limited to projects that meet one of the following:
- Applicants must provide at least 25 percent of the project cost if applying for loan.
- All projects must have technical merit and utilize commercially available technology.
- Energy efficiency projects require an energy audit or assessment.
- All projects require an environmental review prior to award or construction
How do we get started? Applications for this program are accepted year-round at your local office.
Who can answer questions?
Contact your State Rural Development Energy Coordinator
What law governs this program?
- Grants – Code of Federal Regulation, 7 CFR Part 4280 -- Loans and Grants
- Guaranteed Loans – Code of Federal Regulation, 7 CFR 5001.
- This program is authorized by Title IX of the
Why does USDA Rural Development do this?
This program helps increase American energy independence by increasing the private sector supply of renewable energy and decreasing the demand for energy through energy efficiency improvements. Over time, these investments can also help lower the cost of energy for small businesses and agricultural producers.
NOTE: Because citations and other information may be subject to change, please always consult the program regulations listed in the section above titled “What law governs this program?” You may also contact your local office for assistance.
Planting season is quickly approaching for Indiana’s 94,000 farmers. With the warm weather and sunshine, Hoosier motorists will also see more large slow-moving farm equipment traveling Indiana’s rural roads and highways.
The Indiana State Department of Agriculture, Indiana Department of Homeland Security, Indiana Department of Transportation, Indiana State Police and Hoosier Ag Today want to encourage motorists to slow down, be alert and be patient on roadways this spring.
“Indiana farmers will be working hard this spring to ensure their crops are planted safely, timely and efficiently,” said Lt. Gov. Suzanne Crouch, Secretary of Agriculture and Rural Development. “Whether you live in rural, urban or suburban Indiana, remain alert on the road this spring as you may encounter large farm equipment moving between fields.”
In 2021, four occupants were involved in crashes with farm equipment in Indiana which resulted in two deaths, according to the National Highway Traffic Safety Administration*.
“With the onset of warmer weather, we will begin to see more and more farm machinery on our rural roads and highways,” said Doug Carter, Indiana State Police Superintendent. "Patience, courtesy, undivided attention, and understanding will help everyone get to where they need to be safely. Let’s all do our part to ensure our farmers enjoy a safe planting season.”
While the term “farm equipment” encompasses a wide range of vehicles, the most common types motorists will encounter during planting season include sprayers, tractors pulling planters or tillage equipment, and large trucks hauling agricultural products. These vehicles are wide, sometimes taking up most of the road, and often travel at speeds no greater than 25 mph.
The following list includes several safety tips for motorists approaching large farm equipment:
- Farmers will pull over when they are able to let motorists pass, but it may take time for them to get to a safe place to do so.
- Be patient. Farm equipment is wide, sometimes taking up most of the road.
- Be careful when passing. Do not pass in a designated “No Passing Zone” or within 100 feet of any intersection, railroad grade crossing, bridge, elevation structure or tunnel.
- Do not try to pass slow-moving farm equipment on the left without ensuring that the farmer driving is not planning a left turn. It may appear that the driver is pulling over to allow a pass when the farmer is actually preparing to turn. You will drive right into its path, endangering yourself and the farmer.
- Avoid tailgating, as some farm equipment might have to make sudden stops along the road.
- Allow plenty of time to get to a destination, be aware of alternate routes and avoid distractions.
Indiana State Department of Agriculture Director Don Lamb wants to remind motorists that farmers work hard to ensure they are being as safe as possible.
“As a farmer myself I have heard of way too many accidents involving farm equipment and motorists on rural Indiana roads,” said Lamb. “Unfortunately, crashes and deaths occur each year during this busy time. We want to encourage motorists to slow down, be alert and be patient when sharing the roads with farmers this busy spring season.”
For a list of safety tips, click here or visit isda.in.gov. The following organizations will be working together to share this important safety message during planting season: Hoosier Ag Today, Indiana Department of Homeland Security, Indiana Department of Transportation and Indiana State Police.
Indiana Grown held a member event Tuesday focused on encouraging schools, hospitals, restaurants and more to buy local. The event featured 57 Indiana Grown members who are ready and able to expand into larger markets.
Members who attended the showcase were highlighting their locally grown, raised, processed and crafted items, like wagyu beef, pork, Indiana wine, craft spirits, specialty produce, sauces, spices, coffee and more.
The event featured guests from Indiana, Ohio and Kentucky shopping for their specialty store, distribution business, hospital or school cafeteria, restaurant or grocery store.
Isaac Hughes with Ideal Meat & Specialty Foods was looking for unique products from local producers to offer to their customers.
"I love events like this because it gives me an opportunity to see things I normally don't see and that I would be interested in distributing," said Hughes. "We also enjoyed visiting with our current business partners and welcomed their suggestions of who to see at the show. This event was a great opportunity for me to connect with Indiana Grown members I might not have known existed."
Indiana Grown was excited to host this first time event said Caroline Patrick, Indiana Grown director.
“This brand-new event for Indiana Grown was a huge success and we are so thankful to the many members who attended,” said Patrick. “When expanding your small business, it can be hard to be connected with the right audience and this was a great opportunity for our members and for our food buying attendees to feature locally grown, made and crafted products in their schools, hospitals, restaurants, catering services and more across the state.”
Tamika Catchings with Tea's Me Café from Indianapolis stated she appreciated her fellow members and Indiana Grown teammates.
"Being an Indiana Grown member for only a year and a half, we were grateful to be invited to this first-ever event," said Catchings. "Walking around and visiting with other Indiana Grown members has been a huge asset because we can seek other members who want to work with us and leverage both of our products for greater success."
Jennifer Wiese of BeeFree, whose company was started by a mom looking for gluten free snacks for her son who was diagnosed with Autism, highlighted that this event was a great success.
"We loved the opportunity to introduce our products to new customers, and we love sharing our story that our snacks were created by a mom on a mission and our products are sweetened with honey, contain real ingredients that are the perfect on-the-go snack," said Wiese.
Companies who attended the showcase are listed below:
- Daniel’s Vinyard – McCordsville
- Pig’s Tale Charcuterie – Indianapolis
- Sip & Share Wines - Indianapolis
- Marsha’s Specialty Desserts & Tierney’s Catering - Avon
- 550 Wagyu - Lafayette
- Owen Valley Winery - Spencer
- Uncle Al’s Breading & Auntie B’s Custom Blending - Converse
- Agua Blanca Shrimp - Indianapolis
- Voils Family Farm - Mitchell
- Abby’s Elderberry - Otisco
- Cindy’s Candy Corner - Hymera
- Bee Great - Churubusco
- Kim’s Key Lime Products - Indianapolis
- Little Family Foods – Terre Haute
- Your Grandpa’s Old Fashioned – Carmel
- Indiana Soap Company – Greenfield
- Cute as a Cupcake! Cupcakery & Bake Shop – Merrillville
- Three Flock Farm – Ellettsville
- Amish Country Dairy – Shipshewana
- PopKorn Kernels With A Twist – Bloomington
- Pa and Ma’s BBQ Sauce – Indianapolis
- Tulip Tree Creamery – Indianapolis
- West Fork Whiskey Co. – Indianapolis
- Spicekick Seasoning – Fishers
- Fungi Meadows – Logansport
- Miller’s Orchard – Nappanee
- Fish Lake Organic – Goshen
- Little Way Farm and Homestead – Vevay
- MKONO Farm – Bloomington
- Needmore Coffee Roasters – Bloomington
- Garcia’s Gardens – Indianapolis
- Metal Honey Foods – Indianapolis
- Pure Memory Water – Indianapolis
- Risin’ Creek Creamery – Martinsville
- Linneweber's Sauce Company – Vincennes
- Hunt Family Farm – Amboy
- Brick House Vinaigrettes – Indianapolis
- Healthy Hoosier Oil – Converse
- Nature’s Tea Company – Indianapolis
- Aahaa Chai – Indianapolis
- Bloomington Farm Stop Collective – Bloomington
- Celtic Glen Heritage Livestock – Spencer
- Middle Davids Candles – Franklin
- Kei2Health – Indianapolis
- Eat Surreal – Indianapolis
- Wild Spirit Coffee Co- Bloomfield
- Slaughter Orchard & Cidery – Bloomington
- Beehive Body Co – Mount Summit
- Tea's Me Cafe – Indianapolis
- Apricot Sun – Carmel
- Groomsville Popcorn – Tipton
- BeeFree – Noblesville
- Culver Duck – Middlebury
- Bread & Roses Gardens – Bloomington
- My Sugar Pie – Zionsville
- Newfangled Confections – Indianapolis
- 4 Birds Bakery – Indianapolis
Indiana Grown is excited to continue this showcase into 2025 and beyond.
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