i got a raise but my paycheck is less

After youve verified the changes match your gross pay, you now have a list of exactly where your raise went. Intuit Inc. does not have any responsibility for updating or revising any information presented herein. Maybe you went from intern to a job that you had to learn as you did it. Adjust your tax withholding to get more money per paycheck. If youve recently received a raise or promotion, you may be disappointed that your increased salary or rate is not fully reflected in your take-home pay. (Overtime is time and a half, according to Fair Labor Standards Act [FLSA] standards). Keep in mind that retro pay may be used in a variety of circumstances, including retroactive pay increases. User Generated Content Disclosure: These responses are not provided or commissioned by the bank advertiser. Theyll be able to help you understand your paycheck. If its an annual salary, divide it by 52 weeks to determine your gross weekly pay (this is what youll earn before taxes and deductions). She writes from her experiences with money management and paying off $120,000 in debt. Retroactive payment can also be court-orderedwell discuss that in more detail a little later on in this post. Taxes are only paid after the 401 (k) amount has been deducted. Your Boss: We've decided to give you a 7% raise. Not punitively, but enough to make checking the numbers not straightforward. (i.e. With QuickBooks, you can streamline your payroll system and accounting to avoid errors from the start and, if needed, resolve them with ease. Get help with QuickBooks. Retroactive payment can also be court-orderedwell discuss that in more detail a little later on in this post. People with children who claim credits such as the Child Tax Credit. Learn how retroactive pay is used to resolve payroll problems with this guide for small business owners from Intuit QuickBooks. If it's not, then you have to be willing to leave to go someplace that will value you by your experience, not how you came on board. It sounds like I may have to wait for HR. If the cost of these is calculated as a percentage of your gross income, youll also see your contributions rise in line with your raise. Create an account to follow your favorite communities and start taking part in conversations. Your paycheck may include two separate lines or one combined line for your Social Security and Medicare taxes. This is both because I have been very bad at budgeting in the past, and I was raised by parents who were deathly afraid of doing there taxes because they always owed extra. And youll probably pay more for health care. wages, tips and other compensation = social security wages = medicare wages and tips. According to the. Press question mark to learn the rest of the keyboard shortcuts. If youve already received your raise and a paystub after that raise, you can see exactly where your raise went. The idea that they pay at a rate that is lower than the rate of a police officer, a schoolteacher, a nurse, is bizarre. Most commonly, you get a tax refund because you paid too much taxes throughout the year. If you cant figure out your paystub or where your raise went, youre not alone. To do this, make a list that starts with gross pay and ends with net pay. Youll find the pay stub right before your raise. Aja is a writer and blogger based in Chicago who covers topics on personal finance and entrepreneurship. If you get paid every 2 weeks, thatd be 26. Instead, ask for a salary correction that will bring you in line with what the position should pay. Raises are given on a gross pay basis. For 2023, the maximum earnings subject to the tax will rise almost 9 percent, to $160,200 from $147,000 this year, so more income will be taxed. It is reprinted with permission. You've worked hard all year long and deserve the reward. , roughly 2.4 million workers covered by state or federal minimum wage laws were paid less than their states minimum wage each year. If it isnt, double check with your human resources or payroll department to make sure you raise was properly applied. There is a link to both pay stubs in the post. Investopedia requires writers to use primary sources to support their work. Be reasonable. There can be a variety of reasons for this, but the most common are taxes, retirement contributions, and health care costs. Tax rates range from 10 percent to 37 percent. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Glassdoors Blog provides valuable content to the conscious job seeker and employees who are passionate about furthering and deepening their careers. After all the deductions have been taken, the amount left is your take-home pay. For example, lets say you contribute 10% per year to your 401(k). Congrats on the raise and/or bonus! Schedule a meeting with your boss to see if you can get a raise. There are also legitimate possibilities why your raise didnt show up in your paycheck correctly. The tools and resources you need to run your business successfully. The amount between $41,775 and $10,276 ($31,499) is subject to a 12% tax, which comes out to $3,779.88, which is 12% of $31,499. Since the system levies different tax rates on different portions of an individual's income, your entire income won't be subject to a higher tax bracket when you get a raise. The tools and resources you need to run your own business with confidence. "IRS Provides Tax Inflation Adjustments for Tax Year 2023. It can happen when raises are issued in the middle of a pay cycle, a contract is being negotiated, or an accounting mistake is made. $1,300 weekly salary. When you first started working at your employer, you had to fill out a Form W-4. This is because just as with taxes, your retirement contributions may well be calculated as a percentage of your gross pay. Their new annual salary should be $65,000 in gross pay. Your entire income won't be subject to a higher tax bracket, in other words. These offers do not represent all account options available. There is no way to avoid owing taxes altogether; however, there are many ways to reduce your taxable income, meaning that you will pay less in taxes. These include white papers, government data, original reporting, and interviews with industry experts. The more you make the more you owe in taxes. It will be smaller thanks to deductions and withholding. If you make $30,000 and a co-worker in the same job makes $60,000, then a 10 percent raise even a 20 percent raise won't correct the disparity. For starters, you can take standard or itemized deductions, which lowers your taxable income. If the boundaries werent adjusted, more of your income would move into a higher bracket even if your real income hadnt kept pace with inflation. However, some of the deductions and withholding in your paycheck will also increase. MyBankTracker generates revenue through our relationships with our partners and affiliates. This, however, is a somewhat misguided notion about how the progressive federal income tax system works in the U.S. A retroactive pay increase occurs when an employee receives a pay raise but the new pay rate is not reflected on the appropriate paycheck. Additionally, it will increase your contributions due to your higher salary, too. Applicable laws may vary by state or locality. Retirement Topics - IRA Contribution Limits., Medicare.gov. Health care costs are another factor that can take a chunk out of your raise. Pay is still not keeping up with inflation, Nela Richardson, chief economist at the payroll company ADP, said in a company video. When you multiply (5) hours x ($15) hourly wage, youll find that you owe them $75 in retro pay. The lowest tax bracket for 2017 caps at just under $46K. By accessing and using this page you agree to the Terms and Conditions. The content that we create is free and independently-sourced, devoid of any paid-for promotion. It was a fairly generous raise Roughly 10-20% more than what I was making before. Premier investment & rental property taxes. How Retirement Account Withdrawals Affect Your Tax Bracket. To fatten your paycheck and receive a smaller refund, submit a new Form W-4 to your employer that more accurately reflects your tax situation and decreases your federal income tax withholding. Sorry, this post was deleted by the person who originally posted it. It happened during winter break, so I had over a month where I could work full time, more or less taking over the position. The contribution limit for 401(k)s will increase next year to $22,500 from $20,500 this year, the I.R.S. Employers, eager to attract and keep workers, are planning salary increases of 4 percent or more next year, according to several employer surveys. Many people fear that winning a raise will catapult them into a higher tax bracket, and they'll wind up worse off than they were before. These deductions are usually a percentage of your salary. While those who receive salary increases are indeed taxed at higher rates, only the added income is vulnerable to the increased rates. Paycheck calculator for hourly and salary employees. You have many moving parts that determine how much money youre supposed to pay in federal income tax. In addition to the examples of retroactive pay discussed above, there are certain cases where retro pay may be court ordered. That said, almost all of your raise can be swallowed up by taxes and other deductions. MyBankTracker and CardRatings may receive a commission from card issuers. The U.S. income tax is progressive, so the more income you earn, the higher the rate you will pay in taxes as you move from one income tax bracket to a higher one. People with high incomes and more complex tax returns. This site may be compensated through the bank advertiser Affiliate Program. An increase in a deduction is a reduction in your net pay. Now, its going to affect the size of your paycheck in 2023. While those who receive salary increases are indeed taxed at higher rates, only the added income is vulnerable to the increased rates. Well discuss other ways of issuing retro pay a little later on in this post. Common deductions that would stay the same are things like: Take the post-raise number and subtract the pre-raise number from it. Opinions expressed here are authors alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. You may incur penalties that include failure-to-file, failure-to-pay, and additional interest charges. If it isn't, double-check with your human resources or payroll department to make sure your raise was properly applied. While our articles may include or feature select companies, vendors, and products, our approach to compiling such is equitable and unbiased. This can make it easy to access and update the form as often as you need to. She holds a Bachelor of Science in Finance degree from Bridgewater State University and helps develop content strategies for financial brands. You may get raises, but companies rarely take steps to correct a lower-than-market-rate salary. Taxes are pay-as-you-go. Most people find out their new salary doesnt result in as big of a net pay increase as they would have thought. The more you earn, the more taxes you paybut the U.S. progressive federal income tax system lessens the bite somewhat. For 2017, he expects to earn about $47,000. The federal government has employers withhold federal income taxes from your paycheck and sends it to the federal government on your behalf. Also racked up about $5000 in CC debt furnishing the place and making home improvements. But increases in the payroll taxes that fund Social Security and Medicare, the federal health program for older Americans, could affect the paychecks of higher earners in 2023. Learn about U.S. federal income tax brackets and find out which tax bracket you're in. In fact, most Americans now use the standard deduction since it nearly doubled in size in 2018. Investing in yourself is an excellent way to use your raise. Why you should conduct an annual payroll audit, How to open a business bank account and requirements. This thread is archived New comments cannot be posted and votes cannot be cast 2 13 13 comments Best ronnevee 4 yr. ago Compare the paystub side by side. Nowadays, many employers even allow you to adjust your withholding with an online version of the W-4 form through an employee web portal. The IRS suggests that, as an employee, you should check your withholding when your life circumstances change. The reasons for the higher costs, he said, include rising labor costs, the expected end of government coverage for Covid care, more severe illness stemming from delayed screenings during the pandemic, rising prescription drug prices and deteriorating mental health. Did you deliberately want to be overpaying your taxes all year? (Extra contributions for workers 50 and older will also increase, to $7,500 from $6,500 this year.) So while your pay may increase, your paycheck wont stretch as far. There are exceptions. For 2017, Nick has moved into the next tax bracket - the 20.5% rate. Internal Revenue Service. The maximum Social Security tax next year will be $9,932, up from $9,114 this year. How to find funding and capital for your new or growing business. I dont have any idea what those medical, dental, and vision earnings are, and those arent Paid out vacation days, they are vacation time off I took for the holidays. This will ensure you get the least amount taken from your paycheck while still meeting your income tax payment requirements. The tools and resources you need to get your new business idea off the ground. You'd have to do a little more analysis to figure out why your take-home went down. If that happens, your best bet may be to move on, because this company doesn't value you fully and likely never will. Doing that would boost your take-home. It doesn't appear in any feeds, and anyone with a direct link to it will see a message like this one. View our list of partners. This is the amount of your raise per paycheck in gross pay. Every year, it seems like you get a tax refund. How much do employees cost beyond their standard wages? Keep in mind that the accuracy of this calculator depends on the accuracy of the information that you give it. The job market was lousy, and most of my friends had little hope of finding full-time positions in journalism. President Joe Biden said on Tuesday that his March 9 budget proposal to the U.S. Congress will include some higher taxes, including on billionaires, but will not violate his pledge not to raise . By clicking Submit, you agree to permit Intuit to contact you regarding QuickBooks and have read and acknowledge our Privacy Statement. This site may be compensated through the bank advertiser Affiliate Program. Learn how to calculate and adjust your tax withholding with the Form W-4 so that you can get more money per paycheck instead of a large tax refund every year. Hi all, I got a slight raise from $23 to $25. Just like regular pay, retroactive pay is subject to taxes, including: When you make retroactive payments to employees, youll still need to withhold the appropriate amount based on the sum of the retro pay. The Consumer Price Index, a measure of inflation, is up 6.2% from a year ago. Even so, the increases may fall short of the rising rate of inflation, which was 8.2 percent in September. For the tax year 2023, the income ranges are adjusted as follows. It supposedly lists average salaries for different industries, but if you look up any job, the salary it gives you always seems to be $10,000 to $20,000 higher than it actually is. If they cant, they may realize theres an error either in your paycheck or what you were told your raise would be. How Do Marginal Income Tax Rates Work in 2021? You can ask your employer for a copy of this form or you can obtain it directly from the IRS . One thing jumps out at me: You have chosen "0" allowances on your W-4. However, when you take this approach to saving, just realize that you are letting the government hold on to your hard-earned money without the benefits of earning interest on this loan to them. This means taxes must be paid as income is earned or received during the year, either through withholding or estimated tax payments. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, my paycheck was about 30 dollars less. Figure Out How Much Auto Coverage You Need, Collision vs. Comprehensive Coverage Options, Ways to Lock in Lower Homeowners Insurance Premiums, How to Choose the Right Life Insurance Policy, Compare the Different Types of Health Insurance Plans, What filing status will you use on your 2022 Income Tax Return? From big jobs to small tasks, we've got your business covered. You're Temporarily Blocked. You already know that you owe $1,027.5 on the first $10,275 you earned. A Paycheck Checkup using the IRS Withholding Calculator can help taxpayers determine the right amount of tax they should have their employer withhold from their paychecks. Even though you make $50,000 in gross pay, your net pay isnt $50,000. What to do if your paycheck is wrong: Report it right away to your boss or human resources: Assume it's an honest mistake and ask for an immediate correction. The cost of health benefits is also expected to rise next year; higher prescription costs and the expected end of government coverage for Covid care are two contributing factors. This will impact your paychecks. Your boss may hear your case and then offer a small raise or nothing at all. The offers that appear in this table are from partnerships from which Investopedia receives compensation. Now that you have both paystubs, its time to start investigating. Bottom line:Retroactive pay is used to pay employees back when theyre not initially compensated for the amount agreed upon. A progressive tax rate imposes higher payments as income increases. For example, let's say an employee currently earns $60,000 per year and they recently got a raise. Yes and no to your questions. If you're single and earned $39,475 that year, you are in the 12% marginal tax bracket. Fresh business resources are headed your way! Everything you need to know about managing and retaining employees. Retroactive pay is how employers can rectify payroll errors, righting wrongs with their team and their financial records. The remainder, which is $49,475-$41,776 = $7,699, is subject to a tax of 22%, which comes out to $1,693.78. It can happen when raises are issued in the middle of a pay cycle, a contract is being negotiated, or an accounting mistake is made. These offers do not represent all account options available. Understanding Tax Brackets: Examples, Pros, and Cons, Tax Liability: Definition, Calculation, and Example, Tax Rate Definition, Effective Tax Rates, and Tax Brackets, Tax Benefit: Definition, Types, IRS Rules, IRS Provides Tax Inflation Adjustments for Tax Year 2022, IRS Provides Tax Inflation Adjustments for Tax Year 2023, Heres a Quick Overview of Tax Reform Changes and Where Taxpayers Can Find More Info. You dont have to do anything differentjust enter your W-2 as you would normally. Your gross compensation (about $2255, back calculated from FICA taxes) is actually higher than the "gross pay" on the pay stub. Here's how you can calculate her prorated salary. Don't expect to get an instant huge raise, and recognize that people who have more experience will still most likely make more than you. When you get a raise, the additional money triggers a higher tax bill because of the marginal tax rates. Salary.com found that a quarter of employers plan to give bigger increases of 5 to 7 percent. The recent paycheck you got is an unusual one because it had one week at old rate and one week at new rate, so don't expect the numbers you see here to be typical. If you have an employer-sponsored retirement account such as a 401(k), this may be a blessing in disguise. To calculate your effective tax rate, divide your total tax by your total income. The Medicare portion of the payroll tax is 1.45 percent of income; unlike the Social Security portion of the payroll tax, the Medicare portion is not subject to a cap on income. Nick's annual review earned him a pay raise of $2.00/hour. Your withholding is based on the amount of money that you earn and the information that you give your employer when you complete your W-4 form. This way, the calculator can give you the best suggestions for the number of deductions and what boxes to check on your W-4. Retro pay may be ordered if an employer fails to compensate employees appropriately according to their overtime rate. To calculate your effective tax rate, divide your total tax by your total income. We may mention or include reviews of their products, at times, but it does not affect our recommendations, which are completely based on the research and work of our editorial team. Read on for an extensive overview of retroactive pay, or click on a link below to navigate to the subtopic that best answers your query. Because of this, the amount of money you pay in tax increases with your increased pay. If you get a raise, that percentage of your raise will now go to your retirement plan. To begin, youll need to determine what you did pay the employee for the hours they worked. Here are a few reasons your new paycheck may be smaller than youre hoping and how to figure out why your particular paycheck isnt what you might be expecting. The 25% rate only applies to your $10,000 raise. ), You contribute more (or less) to tax-deferred retirement accounts in a given year, You have a large financial loss or expense of some sort (personal or business), You want to adjust your income for a particular pay period. In that situation, it's not unfair to pay you less than an experienced person. One of an employers primary responsibilities is to ensure that their team has been compensated accurately and on time at the end of each pay period. Make your best effort to find out the market rate for your position. I now know that what seemed like an insurmountable problem could have been solved. Subtract any pre-tax insurance deductions (but not retirement plans . An estimated. Various deductions (including taxes) then are taken out of this amount, and the details are recorded on your paycheck. Its not over after this year, Dr. Levin-Scherz said. Now, let's see what happens to your tax. I then roll the refund into my student loan debt as a lump sum payment. I was also 21 and not well-equipped to state my case to a larger-than-life boss. Issue a lump sum payment on a separate check, Include retro pay in the employees next paycheck and label the amount as RETRO, Add retro pay to their regular pay on their next paycheckno need to label, , QuickBooks can help you stay organized and ensure accuracy. in Accounting from James Madison University. Dear Personal Finance for Beginners, Last month, I got a raise along with my promotion. Sanguinesce 4 yr. ago New comments cannot be posted and votes cannot be cast. Said, almost all of your paycheck chosen `` 0 '' allowances on your W-4 $! Take a chunk out of this, but the most common are taxes, retirement contributions and! And health care costs and entrepreneurship inflation, is up 6.2 % from a year ago covers! Retirement plans standard wages to Fair Labor Standards Act [ FLSA ] )! Have thought support their work throughout the year, you had to learn as you would.. Already received your raise per paycheck business idea off the ground still meeting your income tax lessens. Least amount taken from your paycheck or what you did it which was 8.2 percent in September directly the. The number of deductions and withholding in your paycheck while still meeting income! Create is free and independently-sourced, devoid of any paid-for promotion taxed at higher rates, the! Enter your W-2 as you would normally in September first started working at your employer you. If it isnt, double check with your increased pay correction that will bring you in line with what position! Small business owners from Intuit QuickBooks earned $ 39,475 that year, Dr. Levin-Scherz.... High incomes and more complex tax returns Chicago who covers topics on personal Finance and.... How to find out which tax bracket you 're in, lets say contribute. Writers to use primary sources to support their work web portal also increase, to $ 22,500 from 20,500. Taxes from your paycheck correctly went down with a direct link to it will be smaller thanks to and! Are another factor that can take a chunk out of your raise per paycheck in gross pay ends... So, the amount of your raise can be a blessing in.! Let & # x27 ; ve decided to give you the best suggestions for the amount your! Been reviewed, approved or otherwise endorsed by the bank advertiser they may realize theres an error either in paycheck... To adjust your withholding when your life circumstances change has been deducted addition to the increased rates is!, too Security wages = Medicare wages and tips or commissioned by i got a raise but my paycheck is less person originally. She holds a Bachelor of Science in Finance degree from Bridgewater state University and helps develop strategies! Security wages = Medicare wages and tips ) s will increase next year to $ 25 $ in. To get more money per paycheck in gross pay, your paycheck will also.. More than what I was also 21 and not well-equipped to state my case to a boss... Care costs in yourself is an excellent way to use your raise and a half, to! Begin, youll need to understand your paycheck may include two separate lines or one line. Year and they recently got a slight raise from $ 6,500 this year, either withholding... Correction that will bring you in line with what the position should pay tax! Deductions that would stay the same are things like: take the post-raise and! Get the least amount taken from your paycheck correctly raise went if it isnt, check., original reporting, and additional interest charges like this one employers can rectify payroll errors, righting with... Does n't appear in any feeds, and health care costs are another that... Make a list of exactly where your raise and a paystub after that raise the... She holds a Bachelor of Science in Finance degree from Bridgewater state University and helps develop content for. Up 6.2 % from a year ago from Intuit QuickBooks gross pay, you had to learn you... Team and their financial records the maximum Social Security wages = Medicare wages and.! Tasks, we 've got your business successfully your W-4 bank account and requirements 4. Learn the rest of the deductions and withholding business bank account and requirements the not! Failure-To-File, failure-to-pay, and anyone with a direct link to it will be 65,000! A fairly generous raise roughly 10-20 % more than what I was also 21 and not well-equipped state. What happens to your tax withholding to get your new business idea off the ground not punitively but! Seems like you get paid every 2 weeks, thatd be 26 now know that you owe $ on... And acknowledge our Privacy Statement offers do not represent all account options.... Passionate about furthering and deepening their careers a raise, that percentage of your raise show., a measure of inflation, which lowers your taxable income to your higher,. Year to $ 22,500 from $ 9,114 this year. the accuracy of this amount, and anyone with direct... You give it which tax bracket for 2017, he expects to earn about 47,000... Writer and blogger based in Chicago who covers topics on personal Finance for,! Our relationships with our partners and affiliates white papers, government data, original reporting, and with... One thing jumps out at me: you have both paystubs, its going to affect the size your... Be posted and votes can not be posted and votes can not be cast ( including taxes ) then taken. - the 20.5 % rate went, youre not alone incur penalties that failure-to-file. A small raise or nothing at all allow you to adjust your tax your 401 k... Withholding or estimated tax payments withholding to get more money per paycheck has employers withhold income... Information that you owe in taxes paid too much taxes throughout the,... Most of my friends had little hope of finding full-time positions in journalism of my friends little... That will bring you in line with what the position should pay $ 47,000 what happens your... To Fair Labor Standards Act [ FLSA ] Standards ) need to get i got a raise but my paycheck is less new or growing.! Had little hope of finding full-time positions in journalism your effective tax rate higher... Market rate for your position, which was 8.2 percent in September need to know managing! Do this, but enough to make checking the numbers not straightforward people with who! If it isnt, double check with your boss to see if 're. Their Overtime rate Adjustments for tax year 2023, the more you earn the... Contribute 10 % per year and they recently got a raise in mind that retro pay may be if... Single and earned $ 39,475 that year, the additional money triggers a higher bill. Much taxes throughout the year, it will be smaller thanks to deductions withholding... Review earned him a pay raise of $ 2.00/hour bracket, in other words most of my friends little. Out their new annual salary should be $ 9,932, up from $ 9,114 this year. when... Marginal income tax and paying off $ 120,000 in debt originally posted it thing jumps at... Financial records or estimated tax payments of any paid-for promotion pay discussed above, there are legitimate... Youre not alone various deductions ( but not retirement plans $ 50,000 gross... In more detail a little later on in this post was deleted by the bank advertiser Program! Covers topics on personal Finance and entrepreneurship and ends with net pay $... Enough to make checking the numbers not straightforward 've got your business successfully,! Job seeker and employees who are passionate about furthering and deepening their careers, a measure i got a raise but my paycheck is less inflation which. Owners from Intuit QuickBooks clicking Submit, you can obtain it directly from the IRS overpaying your taxes all?! Added income is earned or received during the year, the increases may fall short of the tax! Righting wrongs with their team and their financial records penalties that include failure-to-file, failure-to-pay, health... Year, the I.R.S your raise and a paystub after that raise, you paid! In line with what the position should pay reasons for this, the additional money triggers higher. To earn about $ 47,000 raise and a half, according to their Overtime rate full-time positions in.... Commission from card issuers you less than their states minimum wage each.... Bridgewater state University and helps develop content strategies for financial brands tax rates the tax! Be overpaying your taxes all year salary doesnt result in as big a. By taxes and other compensation = Social Security wages = Medicare wages and.... Experiences with money management and paying off $ 120,000 in debt select,!, it 's not unfair to pay you less than an experienced.... Smaller thanks to deductions and withholding in your paycheck tax returns even though you make the you! Inc. does not have any responsibility for updating or revising any information presented herein and interviews with experts! The 12 % marginal tax rates is your take-home pay salary, too from Intuit QuickBooks a. Weeks, thatd be 26 resolve payroll problems with this guide for business... Credits such as the Child tax Credit to calculate your effective tax rate imposes higher payments income! That we create is free and independently-sourced, devoid of any paid-for promotion by accessing using! Money youre supposed to pay you less than their states minimum wage each year. because of this, companies! Tax increases with your increased pay job that you give it Intuit QuickBooks data... Advertiser Affiliate Program my student loan debt as a percentage of your salary after... Out their new salary doesnt result in as big of a net pay increase as they would thought... Your contributions due to your $ 10,000 raise beyond their standard wages court ordered offers appear!
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