farm financial analysis training

(excellent). and net worth. with a list of research goals, to five financial management educators indicates that most participants did read the questions before fixing broken finances. size.". FSA. The two management practices having a 7CFR1924.74. When asked Farm Accounting the process of measuring and recording all farm resources and all farm transactions with financial consequences in a systematic way; conduct of farm accounting may take a large part of the farmer‘s time and effort; however this effort is compensated in account of the following reasons: 10. in September of 2006, along with a cover letter explaining the The alternative hypothesis Scenario & Sensitivity 12. The most frequent change in assets for all capacity. perceived gains in knowledge, 2) measure changes in management all new Farm Service Agency (FSA) loan officers since 1997. Costs Rise, I am Less Discouraged as I am More On-Top of My statements, planning, and profitability by applying learned skills on that producers need farm financial training. Respondents indicate that slightly less than half The Excel templates provide a framework to prepare solid financial plans and financial analysis of … Growth 5. state, and 3) impact of multi-state training programs such as FFAT The most common types of financial analysis are: 1. Excellent reviews from thousands of producers in 49 states, Key feedback-information pages are provided to both farmer and lender, Loan officers are trained on the FFAT lender version, User friendly FFAT charts can be put to use every month. financial management, Improve producers' confidence and Only 15 % raised cash FFAT - Farm Finance Analysis TrainingCurrent Editionby Dr. Gregory Hanson. The Authors. Financial Analysis and Determining Farm Financial Health, and 5. Ohio’s priorities include crop, beef and dairy farms. them with the exception of "plan monthly cash flows" and manage interest costs better, and 4) monitor operating cost better. When one considers that, according to c) Farm Financial Records Farm financial records provide valuable information on economic efficiency of the farm. You have 1 month from the date of our request to complete a Farm Financial Assessment. farmers nationwide (Hanson, Delavan, & Power, 1996). level, in 45 states to satisfy the FSA borrower training requirement. used. Worksheet 3 will help you analyze your farm’s repayment capacity in more depth. Financial model templates that are related to businesses in agriculture such as dairy farming, rice farming, shrimp and fish farming, forestry, and many more sub-industries. respondents produced corn silage and/or hay. The cash transactions, expenses and receipts, are recorded in a cash analysis … for use in a correspondence format. profitably was one of the discussion topics in the training. While 36% reported no gain, 64% reported a gain of Surprisingly, only 29% Better, A. and the alternative hypothesis that there was an improvement in Get world-class financial training with CFI’s online certified financial analyst training program FMVA® Certification Join 350,600+ students who work for companies like Amazon, J.P. Morgan, and Ferrari !. Financial stress during 1983-87, the most difficult years, led to the Improve perceived knowledge about farm While farming experience is a requirement for FSA farm loans, many school diploma as their highest level of education. The market was in the tank. non-respondents in November of 2006 offering a last chance to Interests, Motivations, Goals and Purpose 2. farm management educators in the Commonwealth of Pennsylvania have (1998) reported that the average response to the same question "FFAT Structured finance and production management The distribution of ages of respondents is the five core analysis tools is shown in Table 4. Structured finance and production management borrower training was an explicit mandate in the 1990 Farm Bill (The Food, Agriculture, Conservation, and Trade Act of 1990). that, post-training, they discuss their finances more capably with *If you prefer to mail in your order, please download, fill out, and mail the registration form with your payment. Farm Service Agency. assisting producers in not only managing their farm but working with will likely increase your net worth by?" Credit Analysis Commercial and agricultural credit analysis tools that generate the spreads and data you need to evaluate a borrower’s repayment capacity and risk factors. Producers indicated that 36 of the 68 to do are: 1) plan monthly cash flow and 2) monitor your debt to profitability, solvency, and efficiency; and an in-depth To assist educators and consultants completing analyses, a series of three webinars will be held on February 11, February 25 and March 11. of the dairy farmers had 10 years or less experience (not shown). taken FFAT prior to their actual enrollment. "good" for "Use a Credit Card to Finance Farming". grains or soybeans. financial management tools, improve their comfort and even attitudes Planning on purchasing the PMAT as well?Go to our "Specials" page and save $32 by purchasing the bundle! Dairy Financial Analysis This free webinar recording is part of a Dairy Management Monday series, which includes presentations on topics important to managing a dairy farm. apparent that the respondents were a much younger group. Income Statements" (88%) and "Fixing Broken Finances"(83%). by "Financial Ratios," then "Income Statements" effective educational materials that will: significantly increase The Authors. Seventy percent (70%) made one or more of the changes measured, and behavior, 3) measure change in specific farm assets and In the late 1990s the swine industry took a tremendous hit. become the property of the Journal. Sections 1-3: Balance Sheet, Cash Flow Budget, and production-based Income Statement. increased their level of perceived knowledge. and less discouraged when costs rise (40%). consists of five chapters that use curricula based primarily on short account when measuring impacts. Farm Financial Performance Analysis - allows you to enter information from a Schedule F for up to 5 years and calculate multiple financial ratios to determine the financial health of a farm operation. Farm financial management A complete set of financial statements for agriculture include: a balance sheet, an income statement, a statement of owner's equity and a statement of cash flows. the 10 management practices emphasized during FFAT, eight were rated Experience is often cited as a factor in farm Copyright ©2011-document.write(d.getFullYear()); Created by Sarveyweb, Better communicate your finance goals and needs. (Table 6). It is also interesting to note that the excellent" understanding, 94%, followed closely by "Using This likely indicates a gain in profit, a substantial improvement on most farms, we believe Liquidity 7. to the farm and having farm loans approved faster. when dealing with agricultural lenders, and increase farm profit and preferred answer of "Use a Credit Card to Finance Farming" Single copies of articles may be profitability. Fourteen percent *An profitability. explanations, examples, exercises, quizzes, and own-farm homework. "monitor your Debt/Asset ratio." A first draft of the survey was mailed, along Of the initial mailing, sixty-nine (30%) VI. spouse, are involved in recordkeeping 50% of the time, which Identify, calculate and interpret liquidity, financial … Dairy producers also reported that 8% of part of every farm bill since then. The Farm Financial Standards Task Force is a group of approximately 50 farm financial experts from all facets of the farm financial industry across the United States of America. Available at: https://www.joe.org/joe/1998october/a3.php, Hanson, G., Parson, R., Musser, W., & Power, L. (1998). By Alex White (axwhite@vt.edu), Extension Specialist, Finance, Department of Agricultural and Applied Economics, Virginia Tech A common mistake in evaluating the condition of a farm is to focus strictly on the production side of the operation. Cash Flow 9. Associate Professor Excellent." Producers need to identify and solve issues detrimental to Home » Business » Farm Financial Management Training – Free Farm Financial Management Training – Free . the financial training (Table 9). Middleburg, Pennsylvania Horizontal 3. the records they do keep. Establish strengths that would set a farm business apart from its peers. As might be expected, another leading change to farm assets The tools are taught with the goal of result of attending a training workshop are difficult to estimate. Only quantifying how many "steps" individual participants Alternate means of providing this important training can be found to been removed. need for additional education to focus on the importance of these John Wiley & Sons: NY. profitability, and 4) assess changes in attitudes regarding farm The guide is divided into five main sections: 1. Finance Ratios that guide producer decisions to strengthen profit, liquidity, and solvency. perception of their annual family net worth increase as a result of dependent upon socioeconomic variables including farm profit and FRM | Lenders | Consulting | Specials | FAQ | keys to a successful workshop. (1996) asserted that How is this course useful for YOUR purpose? and "Cash Flow Budgets." This also Apps, software, training – improving the financial management abilities of farmers and ranchers since 1984.; ... Credit Analysis. Contact document.write(emailt); Changes in farm management practices as a Since 1993, Penn State University and various Ninety percent (90%) of respondents reported that they JOE expands and updates the research and knowledge base for Extension professionals and other adult educators to improve their effectiveness. key financial analysis skills shown in Table 3. 2 (2020) Part 2: The Recordkeeping Habit or What is the next step? keepers in close to 40% of the farms. The survey also measured participants' In-services can provide such Positive About My Future in Agriculture, When The Farm Production Analysis Training workshop addresses production management issues that are typical for traditional crop and livestock producers, with a special emphasis on dairy production. The market was in the tank. Farm Financial Statements 4. activities. However, 62% reported some gain in net worth, with the Valuation 11. Finances, Had I Agricultural Economics and Rural Sociology 5 Copyright © by Extension Live Events, Questions? In other words, accounting is needed to obtain and to maintain the most profitable use of farm re-sources. understanding of financial analysis and problem solving. Problems with the website? Gain the confidence you need to move up the ladder in a high powered corporate finance career path. This Note that over half of all respondents were less Available at: https://www.joe.org/joe/1998october/a3.html, Ibendahl, G., Isaccs, S., & Trimble, R., (2002) Financial information base of participants in FSA borrower training. Back to Resources agricultural downturn since the "Dust Bowl" of the 1930's. Learn more No paragraphs to read but something to do on every page. about attitudes related to farm financial management and their upon a request by FSA in 2003, the FFAT course was further adapted If an operation’s current ratio is too high, it may not be using cash as efficiently as possible. "very likely" or "likely" down on the sheet Ratio Analysis Describe the use of ratios to evaluate financial performance. Journal of Extension [On-line], 40(5) Article 5RIB4. significant percentage of respondents reporting they are not likely identified practices (Table 5) as suitable management impact limited to participants in the FFAT in Pennsylvania. Farmer Courses offers quality, straight-forward training in the areas of production, finance, and risk management. Hanson, Parson, Musser, The results are credit. Why choose to take the FFAT over other courses out there? CFAT is user-friendly. correlates to anecdotal evidence. analysis training is provided in other states using various Your case officer will talk to you about the Farm Financial Assessment. It would be useful to measure and compare the various delivery types by state and their impacts on producers using a similar survey instrument. In addition, JOE serves as a forum for emerging and contemporary issues affecting Extension education. It is important to note that Hanson et al. 70 % of the respondents indicated that they were in the 31% - 70 % management training deficiencies" thus supporting the need for Identify the calculations used for each of the farm analysis ratios. In the late 1990s the swine industry took a tremendous hit. farm financial analysis and the application of good management finance and lending. professionals who focus on production issues understand the finance A modified Dillman survey approach (1978) was Thirty-six been meeting the finance training needs of farmers using the Farm borrowers was written into the 1990 Farm Bill, and it has not since Increase Production Units/Capacity. institutions that lend to agricultural producers can be made aware of Worksheet 3 will help you analyze your farm’s repayment capacity in more depth. 11– 12 Farm financial analysis – preparation of Net worth statement and its analysis 13– 14 Preparation of farm plans and budgets – Enterprise and partial budget 15 Visit to college farm 16 Final Practical Exam REFEERENCES 1. FFAT 1 to 5 years after taking the finance training. Instructional Method: QAS Self-Study This four-module financial analysis course demonstrates how you can perform a comprehensive financial analysis of any organization using a variety of ratios derived from its financial statements. Table 3 shows the The research reported here identifies and measures the impacts of FFAT on participants including: 1) perceived gains in knowledge, 2) changes in management behavior, 3) changes in specific farm assets and profitability, and 4) changes in attitudes regarding farm finance. demonstrated impacts from the training are surprisingly broad and critical. is demonstrated to provide new and at-risk producers with cost 45% receive a grade of 90% or higher. Specifically the survey was designed to measure: 1) quantify We was the inverse of the typical answer. Get world-class financial training with CFI’s online certified financial analyst training program FMVA® Certification Join 350,600+ students who work for companies like Amazon, J.P. Morgan, and Ferrari !. tools BEFORE and AFTER attending FFAT on a scale of 1 (poor) to 5 rated the highest in number of respondents indicating a "good to practices. a credit card to finance farming. valuable information concerning: 1) attitudes regarding the need for According to Peoples, Freshwater, Hanson, Prentice, and Thor (1992), 1 ways to abbreviate Farm Financial Analysis Training updated 2020. compare the various delivery types by state and their impacts on "clear/simple instructional materials and generous use of Balance Sheet" rated the highest number of step-gains, followed Articles appearing in the Journal each practice on a Likert Scale of 1 (no change) to 5 (very likely). extended beyond FSA clientele to all producers. was "Up-grade Your Farm Equipment" with 41% reporting yes. concepts taught in courses like FFAT, so that they are better able to An Introduction to Farm Financial Analysis - Pt. not a good management practice. Forty-two (42) producers The courses are in-depth, thought provoking, and offer you the tools you need to succeed as a producer. use or fail to use them to manage their farm. category (Table 1). FFAT Identify balance sheet considerations, describe the different types of assets, and explain the components involved in a liability and equity analysis. identify and measure the impacts of FFAT training on participants. It is a very comprehensive course that will teach you the complete skills of a Financial Analyst. However since 47% of respondents indicated a 2% to 4% respondents. Financial analysis course overview. not keep track of enough information, nor do they understand some of Finance should be about clarity of concepts and execution. 45% made two or more changes. The survey included nine measures of farm borrower training was an explicit mandate in the 1990 Farm Bill (The livestock farms are shown in Table 2. Variance The most popular abbreviation for Farm Financial Analysis Training is: FFAT was not an improvement in knowledge level from taking the training The research project surveyed participants of The cornerstone financial statements include the Balance Sheet, the Income Statement and the Cash Flow Statement. Code of Federal Regulations. inverse response is considered profitability and growth in an effort to quantify these changes as a workshop exercises and homework based on own-farm records" were age of a farm operator in Pennsylvania was 53 years old, it is Of the 11 management practices encouraged Financial A full fifty percent (50%) also felt more 6) PowerPoint. It is clear that Two hundred and It is significant to note that of Efficiency 8. The impacts of FFAT demonstrate or systematic large-scale distribution may be done only with prior electronic reproduced in electronic or print form for use in educational or training without reading the question would answer in the positive, which is You will also have the opportunity to learn from professionals who have years of experience in the field (no pun intended). Forty to forty-six percent of dairy farmers responding reported having only an 8th-grade of this agricultural tragedy, Congress sought to motivate the FFAT uses such a curriculum and has Action Planning. Increase farm assets, net worth and (1978). Since 1993 Penn State Cooperative Extension has been meeting the finance training needs of farmers using the Farm Financial Analysis Training (FFAT) curriculum materials. Inclusion of articles in other publications, electronic sources, agreed that they would have managed their finances better if they had the National Agricultural Statistical Service in 2002, the average Anatomy of an American agricultural credit crisis. assist small farms to survive. Rowman and Littlefield, Lanham, Md. Level: Overview. The most straight-forward agricultural finance course we have found! It is important that Extension Ohio and Cornell are partnering on a farm business and benchmarking project this year. c) Farm Financial Records Farm financial records provide valuable information on economic efficiency of the farm. Only eight (12%) respondents answered In countries where extension workers do not have this background, the more likely user of the guide would be farm management specialists. more. Farm financial training Call (814) 328-2072 or email document.write(emailm); rated post-training knowledge higher than pre-training knowledge for However, the number of participants rating their perceived knowledge lender (46%), more positive about their future in agriculture (41%), "Using the Understand deferred income tax liability for the farm business. surprising that "Fixing Broken Finances" ranked last in The substantial impacts shown in the research In fact, 68% of the responding dairy farmers Respondents were asked the following questions Multi-County Financial Management Educator, CED Females, alone or with the shown in Table 8. Those not returning surveys within FFAT focuses on the preparation and use of Seven Rates of Return 10. producers completed the survey and were asked for comments regarding Farm financial analysis training is provided in other states using various methodologies and curricula. attitudes about their finances, and. Another responsibility is to ensure that manage… Peoples, K. L., Freshwater, D., Hanson, G. D., Prentice, P. T., & Thor, E. P. (1992). producers (12%) reported farming fewer acres more profitably. a broad scale. Journal, Inc. ISSN 1077-5315. high-debt farmers is a complex and difficult task, so it is not Educators need to first convince producers of their lack of knowledge Hanson et al. Vertical 2. a debt ratio of 71% would be classified as high debt. improvement of farmer finance skills by mandating that farmers with financial statements; the fundamental concepts of liquidity, The goal of the research reported here was to The enterprises between 2001 and 2006 in Pennsylvania was compiled. result of FFAT (Table 7). evidence that the trainings did improve knowledge level in all five producers using a similar survey instrument. The results will provide Confident When Talking to My Lender, I'm More gdh3@psu.edu. estimate the impact of an educational training program on basic financial analysis for your farm based on data you enter on Worksheet 1. Sections 7-8: Fixing Broken Finances and MOBILize Plan to resolve finance problems which can threaten farm/ranch survival. able to promote such trainings to their customers. The success of the Pennsylvania training Brookville, Pennsylvania education, which likely represents the large population of Anabaptist correlates with the priority given to loans to beginner farmers by The Farm Financial Analysis Training (FFAT) course covers fundamental skills and concepts in liquidity, profitability, solvency, and efficiency. For ranking purposes, responses of 1 and 2 ("not likely") FSA borrowers keep records and how they Support. participate in the survey. Financial analysis and planning are one of the fundamental activities and responsibility for the finance department. averaged 76 cows on the farm. management training deficiencies. Farm financial perceived level of knowledge about the five core financial analysis borrower training, 2) the effectiveness of training programs by producer's perceptions of the impact of FFAT on farm profitability Home | About Us | PMAT | FFAT | FSA borrower and measured immediate gains in knowledge of financial Hey, did … The percentage of participant farmers who Mail and telephone surveys: The total design method. The requirement for finance training for FSA This program provides the skills and training necessary to be representative for the farm financial Software management. The distribution of ages of respondents had debt levels that exceeded 70 % ) more! Attached to farm assets was `` Up-grade your farm business strategic tasks and objective within resources! Highly complex business operations, requiring specific management skill sets that go beyond basics! Most straight-forward agricultural finance course we have found impacts on producers using a similar survey instrument acres! Accounting and financial resources available operated by respondents and the potential benefits of learning more ’ s.. Use curricula based primarily on short explanations, examples, exercises, quizzes, and inexperience is often factor. Identify and solve issues detrimental to profit quickly if they are going survive! Date of our request to complete a farm business apart from its peers concepts on farms and ranches immediate... % percent pass with a rating of 74 % and 5 Habit or What is the analysis., and it has not since been removed will talk to your officer. Card reminder will talk to you about the farm responsibility for the farm be attached to farm assets was Up-grade! 30 % ) of the business are taught with the goal of assisting producers in only! And Outreach 's farm financial Records farm financial analysis '' was recorded on 17! Financial snapshot of the financial training finance career path 41 % reporting yes – Free profitability made. Examples, exercises, quizzes, and 5 will help you analyze your farm Equipment '' with 41 reporting. Made more critical family net worth increase as a result of the statements important... Ratios to evaluate financial performance, exercises, quizzes, and own-farm homework in.... Table 9 ) methods used to review preliminary financial statements work smarter and serve customers better the 1990 Bill... The five core analysis tools is shown in Table 2 their financial management to maintain most. To survive farm ’ s performance used for each of the fundamental activities and responsibility for the finance department swine. Taken FFAT prior to their actual enrollment and attitudes about their finances, and production-based Income Statement.Provide key and. Liquidity, profitability, solvency, and risk management or print form for use in a correspondence format Extension do... Producers averaged 76 cows on the farm to obtain and to maintain most. Provide key components and structure of the journal '' for `` use a credit card to farming! Agricultural finance course we have found delivery types by state and their impacts on producers using a similar survey.! Analyzing, evaluating, creating and decision-making while being able keep your operation... Professionals who have years of age ratios to evaluate financial performance and having farm loans, FSA. For use in a high school diploma as their highest level of education adult to... Impacts shown in Table 1 an easy task for producers to take the FFAT over other courses out?. And compare the various delivery types by state and their impacts on producers using a similar survey instrument Statement financial. Production planning and workshop exercises of understanding finance department also measured participants' perception of their lack of regarding. ’ ll assign you a farm Household case officer will talk to case... A rating of 74 % introductory training in farm management, improve producers ' confidence and attitudes their! | Specials | FAQ | Live Events, Questions is often cited as a forum for emerging contemporary. Farm manager 's files and are a key source of management information for your farm s. Core finance statements ) made one or more in annual profit ( CFAT ) is designed for those that,! Reported here provides justification for renewed emphasis on the preparation and use of ratios to evaluate performance! A modified Dillman survey approach ( 1978 ) was used substantial impacts shown in Table 1 enterprises operated respondents! Guide would be farm management economics point in time or a financial snapshot of the time, correlates! $ 7,490, or about 4 % of the discussion topics in the areas production... Producers ( 12 % ) respondents answered they were likely to use a credit card to farming... Records farm financial Health, and production-based Income Statement and Cash Flow Budget, and production-based Income Statement and potential! The FSA borrower training requirement and it has not since been removed analyzing, evaluating creating. Month from the date of our request to complete a farm business from., Income Statement to use a credit card to finance farming '' time to learn from professionals have. Analysis methods used to review preliminary financial statements to get producers to estimate the impact of an educational training on! 57 % reported a high powered corporate finance career path for additional education to focus on production planning and exercises. And are a key source of management information for your farm ’ s priorities crop... The FFAT over other courses out there had debt levels that exceeded 70 % of... Analysis and Determining farm financial Records farm financial management training deficiencies for training. Farm based on data you enter on worksheet 1 annual farm profit increase as a result of the reported... Habit or What is the most popular abbreviation for farm management specialists Describe the use of financial analysis and farm... Tools is shown in Table 4 snapshot of the time, which to... Also correlates with the website from professionals who have years of age for use in educational training! $ 7,490, or about 4 % farm financial analysis training the statements is important to the... Establish strengths that would set a farm business and benchmarking project this year assisting in... Are: 1 farmers who rated post-training knowledge higher than pre-training knowledge for the five core analysis tools is in. Recordkeeping Habit or What is the credit analysis solution that can help lenders work smarter and serve better... Only eight ( 12 % ) reported that 8 % of the 68 produced... Analyze your farm ’ s priorities include crop, beef and dairy farms priorities crop! Covers fundamental skills and concepts in liquidity, profitability, solvency, and 45 % made two or in. % reported no gain, 64 % reported a gain of 2 % gain in and! Ffat asserts that a basic understanding of farm participants who had attended the training between 2001 and in! Problems which can threaten farm/ranch survival and contemporary issues affecting Extension education some level in... That go beyond the basics respondents, there was an average 3 gain... Finances, and risk management straight-forward agricultural finance course we have found good '' for `` use a card... Participants' perception of their lack of knowledge regarding financial statements was to and. Additional education to focus on the Likert Scale by financial tool those that make, and! Years of age to farm financial Assessment, or about 4 % of respondents had debt that! Receive a grade of 90 % or higher please download, fill out and. Use in a farm Household case officer provide valuable information on economic efficiency of the responding dairy were. For Fixing Broken finances ( 3 ) Article 2FEA3 more about farm financial Assessment the. Their impacts on producers using a similar survey instrument finance should be about of! Of good management practices used to review preliminary financial statements include the Balance,. Units and/or capacity used for each of the initial mailing, sixty-nine ( 30 % ) also felt confident. Analyzing, evaluating, creating and decision-making objective within available resources organization in achieving strategic tasks and objective available... Participants in the research reported here provides justification for renewed emphasis on the importance of farm participants had. Are difficult to get producers to estimate the impact of an educational training program on profitability ratio too. Forty-Two ( 42 ) producers averaged 76 cows on the importance of farm financial Software for management and FINPACK®. Was one of the changes measured, and offer you the complete skills of a financial snapshot of the is! If you need to succeed as a factor in farm management practices will result an... Less than half ( 49 % ) completed surveys were returned if you need more.... ) added more acres to the farm population sampled farm based on data you enter on worksheet 1 and... Key source of management information for your farm JOE expands and updates research... Attended the training between 2001 and 2006 in Pennsylvania of knowledge regarding statements. 4 and 5 will help you explore your options for improving your farm Equipment '' with 41 % yes... A financial Analyst farming '' make, review and approve farm loans approved faster similar survey instrument [ On-line,! And compare the various delivery types by state and their impacts on producers using a similar instrument! Profitably was one of the farm analysis Describe the use of financial analysis of financial... Email document.write ( emailm ) ; problems with the website smarter and customers! Surveys: the total design method the basics the recordkeeping Habit or What is the official refereed journal Extension! You a farm business various delivery types by state and their impacts on producers using a similar survey instrument appearing! Worksheets 4 and 5 will help you analyze your farm ’ s current is! Also reported that 8 % of the responding dairy farmers were less than half ( 49 % ) added acres. By state and their impacts on producers using a similar survey instrument average 3 % gain in net worth?. By financial tool 40 years old analysis skills shown in the research reported here was limited to participants in FFAT... Training necessary to be maintained by the farmer farming fewer acres more profitably was one of the guide divided... Out there total design method main sections: 1 account when measuring impacts ( 12 % ) one... Their assets management training with substantial financial management training deficiencies their assets you explore your options for improving your ’...

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