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Giving up smoking is good for your health and wallet

Giving up smoking, for at least 12 months, is good for your health and wallet because – the health dangers associated with tobacco mean that smokers pay much more for the cost of life insurance and other protection insurances than non-smokers.

Insurance underwriters take the health risks posed by tobacco so seriously that a 30year old smoker’s premiums will be a third higher than those of a 30year old non-smoker and; up to twice as high when comparing 50year old smokers to non-smokers of the same age.

Shown below are insurance firm Royal London life assurance premium costs for smokers and for non-smokers which were published on 11 March 2018.

Applicant age Term of life assurance in years Monthly premium non-smoker Monthly premium smoker Non-smoker savings over 25 years
30 25 £14.00 £29.47 £4,641
40 25 £17.11 £41.06 £7,185
50 25 £23.90 £55.71 £9,543

Source Royal London 11 March 2018

The reason for the increased cost of protection insurance and life insurance premiums is that sadly, smokers are more likely to make a claim because they suffer either a critical illness or an early death, or both.

What is classed as smoking?

Insurers assess whether or not you are a smoker based on simple criteria…

…If you have smoked in the last 12 months you are a smoker.

This is an all-encompassing definition – smoking within the last 12 months includes:

The occasional cigar, vaping, e-cigarettes and other nicotine replacement products, and smoking 20-a-day.

Are there any exceptions to the smoker classification?

Yes, if the applicant has unusual circumstances, wants to insure their life for a large amount, or is elderly the policy and its cost will be tailored to the applicant.

We would advise for any protection insurances including life assurance, sickness and income protection insurances that applicants consult with a protection insurance specialist IFA.

The more information an applicant can provide about their medical history and, in many cases, their family’s medical history the better-able the protection insurance specialist is to advise the applicant. The applicant should also share their lifestyle and financial goals with the IFA, so that advice and planning can be tailored to meet the client’s needs.

See our tips on how to prepare to meet an IFA.

Medical information – how important is it?

When it comes to filling in information to apply for protection or life insurance it is critical that applicants include as much information as possible.

We would strongly advise against being tempted to leave any details out that may affect the cost of premiums. Insurance providers run random checks on around 20% of applicants where their medical history is accessed to see if it matches details on the application form.

As regards dishonesty about tobacco use, if a policy holder where to fall critically ill with an illness associated with smoking eg cancer, insurers would investigate medical records, and could either refuse to pay out, or reduce how much was paid out to policy holders.

Do premiums go down after giving up smoking?

Yes, insurance companies will check the cost of insurance premiums if the policy holder says that they have given up smoking. Insurance companies usually seek a report from the policy-holder’s GP. They may also require the policy-holder to have a chest X-ray. The value of the policy and the age of the policy-holder will also be considered.

Assessing the cost of protection insurance premiums and updating medical history is definitely worth doing. But we would advise you to do this with an Independent Financial Advisor who specialises in protection insurance.

Please call our team of Chichester-based IFAs on 01243 532 635 to arrange a consultation.

To discuss Life, serious illness, equity release (to provide for retirement income) and income protection insurances please ask to speak to Hamish Gairns.

To discuss pensions, retirement and investment plans (including ISA’s) with us please ask to speak to Richard Smith.

To discuss mortgages and insurances please ask to speak to James Mayne.

House prices in London and Britain outstrip the global market

House prices in London and Britain outstrip the global market.

 House prices in London and Britain are the highest, according to the Economist’s ‘house-price index; where housing health is assessed in 26 global markets. Twenty-one markets are growing by a median of 4.7% with Ireland and the USA taking second and third place behind Britain. China, Singapore, France, Italy, and Greece are the five countries where prices are falling, despite various government initiatives targeted at recovery.

To check the sustainability of house-price levels the Economist assesses two variables:

Affordability – calculated as a ratio of prices to net income per person

Investability – calculated as a ratio of house prices to rental income

As is the case in Britain house prices in Q2 2015 outstripped average income by 27 points; and rent charges (also in Q2 2015) were 47.1 points higher than house prices, the long-term average being 100 for both income and rent ratios. This would suggest that property in Britain is slightly more investable than it is affordable. The house-price index also indicates that Britain’s high house prices are unsustainable, hence the ‘bubble burst’ warning that is being published in some finance media.

But a crucial third factor to be considered is housing demand, in both Britain and the USA housing supply is falling well short of housing demand. New house builds numbered just 140,000 (March 2013- March 2014) representing a 25% shortfall when compared to the long-term norm. In the USA new house building is failing to keep pace with job creation lagging by as much as 60% in some cities.

Whilst demand fails to keep pace with supply in Britain it is expected that house prices will continue to rise. In a recent report by the Royal Institute of Chartered Surveyors (Rics) an annual increase in house prices of 4.5% was predicted over the next five years, with London and the Southeast rising at greater pace, more than 5% per annum. From January to December 2015 they report an 11-month stretch where buyers outnumbered suppliers, with a boost of activity in December, perhaps triggered by landlords rushing to complete before the introduction of the ‘landlord tax’.

In London and the Southeast house prices increased by 9.8% over the year, the average price of a London residential property being £506,742 up 11.2% from December 2014. It is clear that house prices in Britain and in particular in London and the Southeast are rising well ahead of pay increases. The Office for National Statistics (ONS) report a 7.7% increase in house prices (December 2014 to December 2015) which tracks against a 2.4% pay increase only. They have confirmed that the average age of a first time buyer has risen from 30 to 40 in less than a decade.

As the British housing market is changing so rapidly the case to review protection policies is strong. Policies range from life assurance, where the outstanding mortgage debt is paid in the event of the policyholder’s death, to policies that cover life-shortening events such as critical, or terminal illness. The mortgage product, property (portfolio) value, lifestyle and age of the policyholder are factors that require careful consideration.

Please contact our protection and life assurance expert Hamish Gairns to ensure that you are adequately protected.

Would your business survive the loss of a key employee?

If you’re the owner or director of a small or medium-sized enterprise (SME), you will know that losing one of your key employees could have significantly detrimental consequences for the business. In a survey just published by Legal & General, 40% of SME directors said that their company would cease trading in under a year if they lost the business owner or a key employee. And yet 50% of SMEs do not have any cover in place. Is your business one of them?

What is business protection insurance?
Business protection can help protect your business from financial losses incurred as a result of an owner or key employee dying or being diagnosed with a terminal illness which makes it impossible for them to work. So your business can continue to trade by ensuring that key individuals can be replaced, debts can be repaid and shares can be purchased from the deceased owner’s estate.

Which of the following would damage your business the most?
1. Photocopier breaks down.
2. Vandalism of premises.
3. Company car stolen.
4. Computers stolen.
5. Business owner dies or is diagnosed with a terminal illness.

Are you insured for the most damaging event?
Photocopiers have servicing agreements, your premises and computers are covered by buildings and contents insurance, your company car by motor insurance. But is your most valuable asset – you or your business’s owner – covered?

What questions should I ask?
Take a few minutes to run through the following 7 key questions which might help you decide whether you need business protection or not.

1. Does my business rely heavily on one or more key individuals?
2. Could my business survive without those individuals?
3. What could go wrong if the business owner were to die or be diagnosed with a terminal illness?
4. How would I – or the board of directors – retain control of the business?
5. Is there a documented agreement in place about what would happen?
6. How much money would I need to keep the business going?
7. Where would that money come from?

Next Steps
It pays to consult a specialist business protection insurance adviser like Marchwood IFA. We can’t protect your key employees from injury, illness or even death, but we can protect your business from the after-effects.

If you’d like to find out more about whether you need business protection insurance – and about its benefits and limitations – please contact us on 01243 532635

Malignant melanoma – are you protected?

Protection Infographic

Infographic prepared by AIG Life

Perhaps you know already that our skin is the largest organ in the body, covering an average of 2 square metres and accounting for around 10% of our body weight. Its thickness varies from 0.5mm on our eyelids to 4mm or more on the palms of our hands and the soles of our feet.

It’s more likely you’ll be aware that the incidence of skin cancer has risen sharply since the 1970s. Rates of malignant melanoma, the most serious type of skin cancer, have increased at a faster rate than any of the ten most common cancers in Great Britain. Over 13,300 people were diagnosed with malignant melanoma in 2011, which equates to 37 people a day.1

We all enjoy the longer, sunnier days of summer, although we might be forgiven for wondering where they went in August this year! Sunshine boosts our mood and increases the production of vitamin D, which is essential for healthy bones and teeth. But too much sunshine, especially without proper protection from harmful UV rays, can be deadly.

In common with most cancers, skin cancer is more common among older people: almost a quarter of those diagnosed with late stage malignant melanoma between 2009 and 2011 were aged 75 and over. But that doesn’t mean that younger people are safe. Malignant melanoma is the second most common cancer in 15-34 year olds2.

Some of the increase in skin cancer statistics may be due to increased detection and diagnosis; people are more aware of the dangers than ever before. However, experts link most of the increase to changes in sun-related behaviour such as more regular trips abroad (‘Generation Easyjet’), lack of care while on holiday (either wearing inadequate clothing or too little suncream or both) and the increased use of sunbeds throughout the year to maintain a ‘healthy’ skin colour.

Survival rates, however, are encouraging: over 90% of people who develop malignant melanoma can now expect to survive for 10 or more years.3

But what are the financial costs of surviving cancer?
Macmillan states that around one in four people will face ill health or disability following treatment for cancer. Here at Marchwood IFA, we normally recommend allowing for a year’s salary to help get through the treatment, after-care and recovery.  Don’t rely on state benefits to support you if you become critically ill with cancer – they are probably less than you think.

The key questions to answer are:

1. Do you have a year’s savings to tide you over if you were seriously ill?
2. Do you have a good employee benefits package to cover a year off work due to sickness?

If the answer is no to both of these questions, you might want to consider a critical illness insurance policy.

The money you get from such insurance can be used to pay off a mortgage, to pay medical bills, home modifications or for anything else you need. Many serious illnesses are covered, but not all, so it is important to consult an expert about the type of policy you need.

A number of life assurance companies have now extended the cancer definition in their critical illness cover to include certain types of skin cancer. For example AIG Life accepts applicants with a history of melanoma, at standard rates for life cover, with no need for a GP report provided that:

• the melanoma was diagnosed over the age of 30;
• it never spread to the lymph nodes or any other body part;
• the only treatment was surgery, and this took place over 10 years ago; and
• the applicant is in complete remission and has had no reviews or follow ups in the last two years.

Next Steps
It pays to consult a specialist protection insurance adviser like Marchwood IFA. We can’t protect your skin but we can protect your life. If you’d like to talk through your current protection needs, please contact us on 01243 532635

1, 2 and 3: Cancer Research UK

Are you looking after your family?


Most people have some kind of life assurance policy to protect their family from losing their home. But what about replacing your income in the event of your death? What kind of life would your family lead after you were gone?

You have probably already bought mortgage protection insurance, a policy that will pay off your mortgage in the event of your death before the end of the mortgage, meaning that your family will be able to stay in their own home. Or you may have a separate life assurance policy that pays out a lump sum if you die within the next 20 years for example. (If you have neither, you should consider doing so immediately).

But what about all the other monthly commitments your family has?  Mortgage protection insurance is designed to pay off just your mortgage and no more. Your separate life assurance will pay a lump sum to your dependents but, once it’s been used to pay off the mortgage, can you be sure that the remainder can generate enough income for your family to live on after you’ve gone? For example, if your mortgage is £150,000, then a £200,000 lump sum from a life assurance policy will result in £50,000 to invest, once the mortgage has been paid off. At current interest rates on deposit accounts, that £50,000 is unlikely to generate more than £1,000 a year before tax. (2% Gross AER).

Life needs living and bills still need paying. Family Income Benefit picks up those monthly costs if you’re not there to cover them. With policies starting from £10 a month it’s often the most cost-effective cover to buy and can run until you are 80 if need be.

Family Income Benefit can replace your income if you die… and is very inexpensive.

Say you take home £2,500 a month after tax and want to make sure that your family will get that income for the next 20 years. If you take out a family income benefit policy and die two years later, your family would get £2,500 a month for the remaining 18 years covered (a total of £540,000). Or if you die after 19 years, your family will get £2,500 a month for that last year (a total of £30,000). Either way, your family’s income is safeguarded for the full 20 years.

Depending on your family’s lifestyle, this can cover food, light, heating, clothing, travel and even holidays: things that would be very difficult to afford if you were to die without Family Income Benefit or a similar income protection policy.

It pays to consult a specialist protection insurance adviser like Marchwood IFA to find out whether you and your family are protected from life’s unexpected events. If you’d like to talk through your current protection needs, please contact us on 01243 532635

Planning your summer holiday yet? Don’t forget travel insurance.

Samuel Corria

Crash victim Samuel Corria has found out that he will be covered for his treatment in Australia after being very badly injured when his car flipped over four times. Backpacker Sam and his family had thought that, because his travel insurance had run out a few weeks before, he would have to pay hundreds of thousands of dollars for his surgery and rehabilitation in Australia. However, in this case, the NHS has indicated that they will cover the bills that he incurs whilst under the care of the Australian health service.

But many tourists are not so lucky. Holidaymakers who go abroad without travel insurance could face hospital bills of tens of thousands of pounds this summer, even for relatively minor illnesses and injuries, according to Bupa Travel Insurance.

Bupa has analysed its insurance claims data to highlight the potentially high costs of requiring medical attention abroad. Looking at the average amount paid out for medical treatment in popular holiday destinations since 2008, Bupa found that Thailand, the USA and Canada are the most expensive countries in which to get sick or injured. For example, treatment for British tourists suffering a heart attack in the USA cost £32,400 per person, on average.

With millions of Britons planning to take their annual summer holiday in the next few months, we wanted to make sure that all our clients remembered to take out travel insurance before they left.

Here’s our handy checklist of ‘Dos and Don’ts’.

DOs…..   DON’Ts…..
Do ensure that you have a free EHIC (European Health Insurance Card) and that it is valid. (EHIC Guide here) Note that it is no substitute for travel insurance and is only valid in Europe.    Don’t risk going overseas without cover, leaving yourself facing high medical bills if you fall ill or out of pocket if you need to cancel or cut short your trip.
Do check what counts as Europe/US/Worldwide. Don’t presume that a ‘Europe’ travel policy covers all countries in Europe (especially Spain and the Balearic Islands)  Don’t forget to arrange travel insurance well before your holiday. The further away it is, the more likely you are to cancel it in advance.
Do work out exactly who in your party needs cover. Are some people covered by their own travel insurance, possibly via their bank account or credit card?  Don’t just buy single trip cover; it is more than likely that annual insurance will work out cheaper if you travel twice within a year.
Do tell your home insurer if you are away for more than 30 days at a time, as leaving the property empty this long might invalidate your buildings and contents insurance.  Don’t forget risky sports (including skiing or downhill mountain biking) – they may need additional premiums to cover them.
Do tell your neighbours so they can keep an eye on your property – but don’t use social media to tell them (and everyone else). Ask your children not to tell their friends on Facebook about how long they’ll be on holiday.  Don’t hide medical conditions. Tell the insurer everything. Any subsequent change in your circumstances needs to be declared, even if you think you’ll be better by the time you travel.
Do read the small print and check what isn’t covered and any applicable ‘excesses’ where you have to pay the first part of any claim.  Don’t leave your emergency claims telephone number, travel certificate, EHIC or policy documents at home.
Do take all the telephone numbers you might need – not just Freephone 0800 but also +44 numbers that will work overseas. Don’t try to use standard travel insurance if you are going backpacking around the world.


What’s the protection policy every working adult in the UK should consider?

Millions of people in the UK have life assurance, critical illness insurance and health insurance. Millions more protect their pets and possessions with insurance policies. But the one protection policy every working adult in the UK should consider is the very one most people don’t have – income protection. After all, without income, how would you afford any other insurance?

What is income protection (IP)?
IP is an insurance policy that pays out a tax-free percentage of your income when you are unable to work due to illness or injury. Traditionally it pays out until your return to work, retirement or death although shorter-term policies are also available at lower cost. IP doesn’t cover being made redundant.


What does IP cover?
IP covers most illnesses that leave you unable to work – but whether that means ‘unable to work at your current job’ or ‘unable to work at all’ depends on the type of policy you choose and the definition of incapacity in your policy. Always check the policy and make sure you understand all the definitions before you buy.

When does IP pay out?
IP policies only pay out once a pre-agreed period has passed. The longer the period, the lower your premiums. The average ‘deferral period’, as it is called, is 3-6 months although it can be anywhere between 1 and 12 months.

How much does IP pay out?
IP payouts are usually based on a percentage of your earnings: 50% is the norm, but higher percentages are available. It’s important to remember that IP payments are tax-free.

What percentage of claims are paid?
The Which? consumer website states that most IP providers report paying high proportions of claims made. For 2012, insurance giant Aviva published that it had paid 93.5% of IP claims whilst LV= paid 88.4%. British Friendly and Friends Mutual paid out 97% and 98% respectively.

Do you need income protection insurance?
It doesn’t matter whether or not you have children or other dependants – if illness would mean you could not meet your bills in full, then you should consider income protection insurance. You’re most likely to need it if you’re self-employed or employed without long term sick pay to fall back on.

You probably don’t need income protection insurance if…

  • You could survive on your sick pay (although consider how you will cope after the sick pay ends)
  • You could get by on government benefits – be careful though, they’re much less than many people think.
  • You have enough savings to support yourself – could they see you through a long period without being able to work?
  • You could take early retirement – could you take your pension early?
  • Your family would support you – perhaps your partner has enough income to cover everything?

Next steps
It always pays to take the advice of an independent protection insurance advisor. They can help you decide whether income protection is right for you and, if it is, what level of cover and deferral period suit your individual needs. Call Marchwood IFA for sound advice on protection insurance.

New programme offers financial rewards for leading a healthy lifestyle


You may have noticed a talking dachshund appearing with Jessica Ennis-Hill on TV recently (if not, you can view the advert here) promoting ‘Vitality’. But you don’t have to be Jessica Ennis-Hill to benefit from a new type of health insurance.

VitalityLife (formerly known as Pruhealth and PruProtect) is a programme that you can use to help keep yourself fit and healthy, significantly reducing your life assurance or critical illness insurance premiums at the same time.

The added benefit is that you can also benefit from significant savings from an increasing number of organisations that are taking part in the programme. So you could pick up a free coffee, see a movie for no charge or cut the cost of this year’s holiday, simply for keeping fit on a regular basis.

How does it work?

  1. You earn points by providing evidence that you take part in certain healthy activities, which can be recorded via pedometers, watches and mobile phone apps.
  2. Points are accumulated per year, per person.
  3. These points lead to a reduction in your premiums, up to a certain maximum level.
  4. They also qualify you for a variety of discounts and cashback offers.

What sort of savings are available to help me get active?
Sometimes it is the cost of getting healthy that puts people off. So the ‘Vitality’ programme gives you discounts on health assessments, Virgin Active gym membership fees and sessions to help lose weight.

What about rewards to keep me motivated?
Getting and staying healthy takes time and effort. To keep your levels of motivation up, the programme gives you free drinks at Starbucks, free cinema tickets at Cineworld and Vue, up to 40% off British Airways flights, up to 50% off Eurostar, 50% off Garmin and Polar heart rate monitors, 50% cashback on a bike with Evans Cycles and 50% off a pair of running shoes at Sweatshop.

Starbucks logo  logo-vue  BA-logo  Eurostar_logo  garmin-logo  evans_cycles_logo-for-web1

Why is this programme being offered?
VitalityLife has worked out that when you’re healthy, you’re less likely to claim, which makes it cheaper for them. They are just handing on a proportion of the savings they make. The fitter you get and the longer you stay with them, the more your protection insurance premiums are discounted.

Next steps
Whilst all this sounds attractive, especially if you are already fit and healthy for your age, you should of course make sure that the protection insurance policy you take out is the right one for you. If you would like to find out more about this programme or would like to get a competitive quote then please contact Marchwood IFA.

NHS faces crisis as cancer survival rates soar

Macmillan Cancer Support has just released a report which shows that a record 2.5 million people are now living with cancer or are suffering from its after-effects. More people are surviving cancer compared to 20 years ago. In 1992, 21% of those who had the disease did not die from cancer. This increased to around 35% in 2010 and is predicted to rise to 38% by 2020.

Greater focus on earlier diagnosis, advances in cancer treatments and better cancer care are contributing to this increase in survival rates. This, of course, is good news.

However, the ongoing medical care that these 2.5 million people need could create a crisis of ‘unimaginable proportions’ according to the charity. Lynda Thomas, chief executive of Macmillan warned that progress had been “a double-edged sword”.

“As numbers surge, the NHS will soon be unable to cope with the huge increase in demand for health services and the support that organisations like Macmillan provide will become even more urgent and important,” she said.

1 in 4

But what are the financial costs of surviving cancer?
Macmillan states that around one in four people will face ill health or disability following treatment for cancer. The charity warns people not to expect a return to full health after gruelling treatments and side effects. Prof Jane Maher, chief medical officer at Macmillan Cancer Support, said: “Many patients can be left with physical health and emotional problems, long after treatment has ended.

People struggle with fatigue, pain, immobility, or an array of other troublesome side-effects. We need to manage these consequences for the sake of the patient, but also for the sake of the taxpayer. We should plan to have more services to help people stay well at home, rather than waiting until they need hospital treatment.”

Here at Marchwood IFA, we normally recommend allowing for a year’s salary to help get through the treatment, after-care and recovery.  Don’t rely on state benefits to support you if you become critically ill with cancer – they are probably less than you think.

The key questions to answer are:

1. Do you have a year’s savings to tide you over if you were seriously ill?
2. Do you have a good employee benefits package to cover a year off work due to sickness?

If the answer is no to both of these questions, you might want to consider a critical illness insurance policy.

The money you get from such insurance can be used to pay off a mortgage, to pay medical bills, home modifications or for anything else you need. Many serious illnesses are covered, but not all, so it is important to consult an expert about the type of policy you need.

As an example, for a male non-smoker aged 35, it would cost under £20 a month (guaranteed rates) to take out a critical illness policy that would paid out a £50,000 tax-free ‘lump sum’ – a one-off payment – if you were diagnosed with one of the serious illnesses covered by the policy.

For more details contact us on 01243 532635 or

The 3 main advantages of writing a life insurance policy in trust

1. Minimise inheritance tax
This is potentially the biggest advantage, as, depending on your circumstances when you die, writing your life insurance policy in trust may save your beneficiaries up to 40% of the policy payout from being lost in inheritance tax.

More than half a billion pounds are being paid each year in inheritance tax (IHT) from life insurance policies because people are not taking them out within tax-efficient trusts.

‘Writing your life insurance policy in trust’, as the process is known, makes it exempt from IHT when you die as it places it outside your estate (see our blog on Inheritance Tax Planning).

Few policyholders use trusts, although the numbers are rising as more and more people realise the benefits, once they are explained by an independent financial advisor.

Financial advice website Unbiased estimates that because of this some £530million will be paid out needlessly in IHT this year on life insurance policies. That is inflated in part by soaring house prices that have seen thousands more households breach the £325,000 IHT threshold on estates (see our blog House Prices To Rise By 30%).

Karen Barrett, of Unbiased, said: ‘Many of us want to pass on our estate to loved ones after we’re gone but what people don’t realise is the sizeable tax bill we might also be handing over in the process.’

2. Avoid the need for a grant of probate
Writing your life policy in trust also means that your beneficiaries are likely to receive the policy payout much sooner – within a few weeks – than if there has not been a trust. This is because the insurance company will only require sight of the death certificate.  Otherwise your executors will have to go through the process of applying for a ‘grant of probate’.  This will delay the payout for some months, which may make life complicated, given that inheritance tax often has to be paid within 6 months of death.

3. Greater control over your life insurance policy
Writing your life policy in trust guarantees that the payout will go to the people you named. If you haven’t written your life policy in trust and you owe money at the date of your death, your intended beneficiaries may find that the payout is used to pay off your debts rather than coming to them.

2 things to look out for:

Look out for the critical illness element
Many life policies contain critical illness cover, which means that the insurance company will pay out on your policy if you are diagnosed with any defined illnesses (such as cancer) or suffer specific injuries.  You need to be careful here, because you are not likely to want to give away the benefit of the critical illness insurance as you may need it to live on.  The answer is to use a split trust, so that you keep the benefit of any critical illness payout but hold the death benefit in trust for your named beneficiaries.

Look out for possible tax implications
Writing your policy in trust can offer significant inheritance tax advantages for your beneficiaries on your death but there could be inheritance tax implications, depending on the type of policy you have, the type of trust you want to use; and your state of health when writing the policy in trust. You should take appropriate tax advice before proceeding.

Next steps
It pays to consult a financial planning expert like Marchwood IFA to arrange necessary life insurance and also to write it in trust to benefit from the advantages listed above. For further advice on trusts and inheritance tax planning, please contact


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