Top 120 Credit Scoring Free Questions to Collect the Right answers

What is involved in Credit Scoring

Find out what the related areas are that Credit Scoring connects with, associates with, correlates with or affects, and which require thought, deliberation, analysis, review and discussion. This unique checklist stands out in a sense that it is not per-se designed to give answers, but to engage the reader and lay out a Credit Scoring thinking-frame.

How far is your company on its Credit Scoring journey?

Take this short survey to gauge your organization’s progress toward Credit Scoring leadership. Learn your strongest and weakest areas, and what you can do now to create a strategy that delivers results.

To address the criteria in this checklist for your organization, extensive selected resources are provided for sources of further research and information.

Start the Checklist

Below you will find a quick checklist designed to help you think about which Credit Scoring related domains to cover and 120 essential critical questions to check off in that domain.

The following domains are covered:

Credit Scoring, Credit score, Alternative data, Bad debt, Basel II, Christer Fuglesang, Credit Karma, Credit Sesame, Credit bureau, Credit history, Credit reference, Credit report, Credit report monitoring, Credit score in the United States, Credit scorecards, Data Protection Directive, Data mining, Dun & Bradstreet, Enforcement Authority, FICO score, Fair Credit Reporting Act, Fair Isaac, Finance and Leasing Association, Financial Conduct Authority, Financial Consumer Agency of Canada, Identity scoring, Identity theft, Interest rate, Logistic function, Logistic regression, Multivariate adaptive regression splines, National identification number, Predictive analytics, Random forest, Reserve Bank of India, Risk-based pricing, South Africa, Stockholm congestion tax, Trusted system, Wall Street reform, Washington Mutual:

Credit Scoring Critical Criteria:

Examine Credit Scoring quality and find out.

– How do we Identify specific Credit Scoring investment and emerging trends?

– Have all basic functions of Credit Scoring been defined?

– Who sets the Credit Scoring standards?

Credit score Critical Criteria:

Judge Credit score outcomes and devote time assessing Credit score and its risk.

– Is Supporting Credit Scoring documentation required?

– What are specific Credit Scoring Rules to follow?

Alternative data Critical Criteria:

Have a meeting on Alternative data planning and figure out ways to motivate other Alternative data users.

– What tools do you use once you have decided on a Credit Scoring strategy and more importantly how do you choose?

– Do several people in different organizational units assist with the Credit Scoring process?

– How do we make it meaningful in connecting Credit Scoring with what users do day-to-day?

Bad debt Critical Criteria:

Disseminate Bad debt quality and get going.

– Can we do Credit Scoring without complex (expensive) analysis?

– Will Credit Scoring deliverables need to be tested and, if so, by whom?

– Who needs to know about Credit Scoring ?

Basel II Critical Criteria:

Analyze Basel II risks and pioneer acquisition of Basel II systems.

– How do senior leaders actions reflect a commitment to the organizations Credit Scoring values?

– Do we have past Credit Scoring Successes?

Christer Fuglesang Critical Criteria:

Study Christer Fuglesang tactics and oversee implementation of Christer Fuglesang.

– How do we manage Credit Scoring Knowledge Management (KM)?

– Do we all define Credit Scoring in the same way?

Credit Karma Critical Criteria:

Define Credit Karma goals and stake your claim.

– How do mission and objectives affect the Credit Scoring processes of our organization?

– Have the types of risks that may impact Credit Scoring been identified and analyzed?

– Is there any existing Credit Scoring governance structure?

Credit Sesame Critical Criteria:

Confer re Credit Sesame governance and attract Credit Sesame skills.

– Think of your Credit Scoring project. what are the main functions?

– What are the barriers to increased Credit Scoring production?

– What is Effective Credit Scoring?

Credit bureau Critical Criteria:

Check Credit bureau governance and balance specific methods for improving Credit bureau results.

– Can we add value to the current Credit Scoring decision-making process (largely qualitative) by incorporating uncertainty modeling (more quantitative)?

– Does Credit Scoring analysis show the relationships among important Credit Scoring factors?

Credit history Critical Criteria:

Explore Credit history issues and shift your focus.

– How will you know that the Credit Scoring project has been successful?

– What are the short and long-term Credit Scoring goals?

Credit reference Critical Criteria:

Apply Credit reference visions and gather practices for scaling Credit reference.

– When a Credit Scoring manager recognizes a problem, what options are available?

– Why is Credit Scoring important for you now?

Credit report Critical Criteria:

Distinguish Credit report adoptions and remodel and develop an effective Credit report strategy.

– Does the Credit Scoring task fit the clients priorities?

– What are the usability implications of Credit Scoring actions?

Credit report monitoring Critical Criteria:

Bootstrap Credit report monitoring tactics and spearhead techniques for implementing Credit report monitoring.

– A compounding model resolution with available relevant data can often provide insight towards a solution methodology; which Credit Scoring models, tools and techniques are necessary?

– Consider your own Credit Scoring project. what types of organizational problems do you think might be causing or affecting your problem, based on the work done so far?

– Are there Credit Scoring Models?

Credit score in the United States Critical Criteria:

Look at Credit score in the United States quality and intervene in Credit score in the United States processes and leadership.

– Do the Credit Scoring decisions we make today help people and the planet tomorrow?

Credit scorecards Critical Criteria:

Survey Credit scorecards governance and remodel and develop an effective Credit scorecards strategy.

– Do those selected for the Credit Scoring team have a good general understanding of what Credit Scoring is all about?

– Does our organization need more Credit Scoring education?

– What is our formula for success in Credit Scoring ?

Data Protection Directive Critical Criteria:

Trace Data Protection Directive outcomes and prioritize challenges of Data Protection Directive.

– At what point will vulnerability assessments be performed once Credit Scoring is put into production (e.g., ongoing Risk Management after implementation)?

– How can you negotiate Credit Scoring successfully with a stubborn boss, an irate client, or a deceitful coworker?

– Can Management personnel recognize the monetary benefit of Credit Scoring?

Data mining Critical Criteria:

Investigate Data mining results and shift your focus.

– Do you see the need to clarify copyright aspects of the data-driven innovation (e.g. with respect to technologies such as text and data mining)?

– What types of transactional activities and data mining are being used and where do we see the greatest potential benefits?

– Is there a Credit Scoring Communication plan covering who needs to get what information when?

– What is the difference between Data Analytics Data Analysis Data Mining and Data Science?

– What is the difference between business intelligence business analytics and data mining?

– Is business intelligence set to play a key role in the future of Human Resources?

– Are we making progress? and are we making progress as Credit Scoring leaders?

– Does Credit Scoring appropriately measure and monitor risk?

– What programs do we have to teach data mining?

Dun & Bradstreet Critical Criteria:

Discuss Dun & Bradstreet goals and correct better engagement with Dun & Bradstreet results.

– Does Credit Scoring analysis isolate the fundamental causes of problems?

– What are the record-keeping requirements of Credit Scoring activities?

– Are assumptions made in Credit Scoring stated explicitly?

Enforcement Authority Critical Criteria:

Pilot Enforcement Authority decisions and track iterative Enforcement Authority results.

– What will drive Credit Scoring change?

FICO score Critical Criteria:

Study FICO score strategies and raise human resource and employment practices for FICO score.

– How do you incorporate cycle time, productivity, cost control, and other efficiency and effectiveness factors into these Credit Scoring processes?

– What other jobs or tasks affect the performance of the steps in the Credit Scoring process?

Fair Credit Reporting Act Critical Criteria:

Do a round table on Fair Credit Reporting Act tasks and know what your objective is.

– Do you monitor the effectiveness of your Credit Scoring activities?

Fair Isaac Critical Criteria:

Transcribe Fair Isaac failures and differentiate in coordinating Fair Isaac.

– What are the disruptive Credit Scoring technologies that enable our organization to radically change our business processes?

Finance and Leasing Association Critical Criteria:

Prioritize Finance and Leasing Association decisions and catalog what business benefits will Finance and Leasing Association goals deliver if achieved.

– Which customers cant participate in our Credit Scoring domain because they lack skills, wealth, or convenient access to existing solutions?

– What are the Key enablers to make this Credit Scoring move?

Financial Conduct Authority Critical Criteria:

Talk about Financial Conduct Authority outcomes and acquire concise Financial Conduct Authority education.

– Is a Credit Scoring Team Work effort in place?

– Is the scope of Credit Scoring defined?

Financial Consumer Agency of Canada Critical Criteria:

Understand Financial Consumer Agency of Canada projects and diversify by understanding risks and leveraging Financial Consumer Agency of Canada.

– What are internal and external Credit Scoring relations?

– What are our Credit Scoring Processes?

– How can we improve Credit Scoring?

Identity scoring Critical Criteria:

Scrutinze Identity scoring failures and interpret which customers can’t participate in Identity scoring because they lack skills.

– How important is Credit Scoring to the user organizations mission?

– What vendors make products that address the Credit Scoring needs?

– How do we keep improving Credit Scoring?

Identity theft Critical Criteria:

Contribute to Identity theft results and find out.

– Do we cover the five essential competencies-Communication, Collaboration,Innovation, Adaptability, and Leadership that improve an organizations ability to leverage the new Credit Scoring in a volatile global economy?

– Identity theft could also be an inside job. Employees at big companies that host e-mail services have physical access to e-mail accounts. How do you know nobodys reading it?

– What will be the consequences to the business (financial, reputation etc) if Credit Scoring does not go ahead or fails to deliver the objectives?

– What knowledge, skills and characteristics mark a good Credit Scoring project manager?

Interest rate Critical Criteria:

Chart Interest rate goals and gather practices for scaling Interest rate.

– What are the key elements of your Credit Scoring performance improvement system, including your evaluation, organizational learning, and innovation processes?

– What other organizational variables, such as reward systems or communication systems, affect the performance of this Credit Scoring process?

– What is your current effective interest rate on loans?

Logistic function Critical Criteria:

Mix Logistic function adoptions and find the essential reading for Logistic function researchers.

– What are your current levels and trends in key measures or indicators of Credit Scoring product and process performance that are important to and directly serve your customers? how do these results compare with the performance of your competitors and other organizations with similar offerings?

Logistic regression Critical Criteria:

Jump start Logistic regression adoptions and forecast involvement of future Logistic regression projects in development.

– In what ways are Credit Scoring vendors and us interacting to ensure safe and effective use?

– What are the long-term Credit Scoring goals?

Multivariate adaptive regression splines Critical Criteria:

Brainstorm over Multivariate adaptive regression splines issues and integrate design thinking in Multivariate adaptive regression splines innovation.

– What are your results for key measures or indicators of the accomplishment of your Credit Scoring strategy and action plans, including building and strengthening core competencies?

– What are your key performance measures or indicators and in-process measures for the control and improvement of your Credit Scoring processes?

– Are we Assessing Credit Scoring and Risk?

National identification number Critical Criteria:

Set goals for National identification number decisions and change contexts.

– Are there any easy-to-implement alternatives to Credit Scoring? Sometimes other solutions are available that do not require the cost implications of a full-blown project?

– Does Credit Scoring systematically track and analyze outcomes for accountability and quality improvement?

Predictive analytics Critical Criteria:

Collaborate on Predictive analytics tasks and triple focus on important concepts of Predictive analytics relationship management.

– What are direct examples that show predictive analytics to be highly reliable?

– Which Credit Scoring goals are the most important?

Random forest Critical Criteria:

Apply Random forest risks and get answers.

– Think about the people you identified for your Credit Scoring project and the project responsibilities you would assign to them. what kind of training do you think they would need to perform these responsibilities effectively?

– Risk factors: what are the characteristics of Credit Scoring that make it risky?

– Are there Credit Scoring problems defined?

Reserve Bank of India Critical Criteria:

Look at Reserve Bank of India tactics and do something to it.

– How will we insure seamless interoperability of Credit Scoring moving forward?

Risk-based pricing Critical Criteria:

Boost Risk-based pricing visions and triple focus on important concepts of Risk-based pricing relationship management.

– What are our needs in relation to Credit Scoring skills, labor, equipment, and markets?

South Africa Critical Criteria:

Shape South Africa issues and check on ways to get started with South Africa.

– Who will be responsible for making the decisions to include or exclude requested changes once Credit Scoring is underway?

– How to deal with Credit Scoring Changes?

– Why are Credit Scoring skills important?

Stockholm congestion tax Critical Criteria:

Generalize Stockholm congestion tax risks and finalize the present value of growth of Stockholm congestion tax.

– How do we Improve Credit Scoring service perception, and satisfaction?

– How can the value of Credit Scoring be defined?

Trusted system Critical Criteria:

Powwow over Trusted system strategies and secure Trusted system creativity.

– If the firewall runs on an individual host for which all users are not trusted system administrators, how vulnerable is it to tampering by a user logged into the operating system running on the protected hosts?

– What are our best practices for minimizing Credit Scoring project risk, while demonstrating incremental value and quick wins throughout the Credit Scoring project lifecycle?

– What may be the consequences for the performance of an organization if all stakeholders are not consulted regarding Credit Scoring?

Wall Street reform Critical Criteria:

Distinguish Wall Street reform management and spearhead techniques for implementing Wall Street reform.

– How do you determine the key elements that affect Credit Scoring workforce satisfaction? how are these elements determined for different workforce groups and segments?

– what is the best design framework for Credit Scoring organization now that, in a post industrial-age if the top-down, command and control model is no longer relevant?

– How is the value delivered by Credit Scoring being measured?

Washington Mutual Critical Criteria:

Discourse Washington Mutual tactics and assess and formulate effective operational and Washington Mutual strategies.

– To what extent does management recognize Credit Scoring as a tool to increase the results?

– Are accountability and ownership for Credit Scoring clearly defined?

Conclusion:

This quick readiness checklist is a selected resource to help you move forward. Learn more about how to achieve comprehensive insights with the Credit Scoring Self Assessment:

https://store.theartofservice.com/Credit-Scoring-Complete-Self-Assessment/

Author: Gerard Blokdijk

CEO at The Art of Service | http://theartofservice.com

gerard.blokdijk@theartofservice.com

https://www.linkedin.com/in/gerardblokdijk

Gerard is the CEO at The Art of Service. He has been providing information technology insights, talks, tools and products to organizations in a wide range of industries for over 25 years. Gerard is a widely recognized and respected information expert. Gerard founded The Art of Service consulting business in 2000. Gerard has authored numerous published books to date.

External links:

To address the criteria in this checklist, these selected resources are provided for sources of further research and information:

Credit Scoring External links:

[PDF]The impact of credit scoring on consumer lending
http://web.stanford.edu/~jdlevin/Papers/CreditScoring.pdf

Credit Scoring – creditworthy.com
http://www.creditworthy.com/3jm/articles/cw4303.html

Credit Scoring and Insurance – Texas Department of Insurance
http://www.tdi.texas.gov/credit/index.html

Credit score External links:

Capital One – Free Credit Score & Report Check with …
https://creditwise.capitalone.com

Free Credit Score – FICO® Credit Score Card | Discover
https://www.discover.com/free-credit-score

Check your Credit Score | SavvyMoney
https://www.savvymoney.com

Bad debt External links:

Deducting Bad Debt | Internal Revenue Service
https://www.irs.gov/credits-deductions/individuals/deducting-bad-debt

Topic No. 453 Bad Debt Deduction | Internal Revenue Service
https://www.irs.gov/taxtopics/tc453

Here’s The Difference Between Good And Bad Debt
http://www.businessinsider.com/difference-between-good-and-bad-debt-2014-7

Basel II External links:

Turmoil reveals the inadequacy of Basel II – Financial Times
https://www.ft.com/content/0e8404a2-e54e-11dc-9334-0000779fd2ac

What is Basel II? – Video | Investopedia
https://www.investopedia.com/video/play/what-basel-ii

What is Basel II? – Definition from WhatIs.com
http://whatis.techtarget.com/definition/Basel-II

Christer Fuglesang External links:

Christer Fuglesang Visa vägen 2015 – YouTube
https://www.youtube.com/watch?v=fnEXbh3Cu9A

Christer Fuglesang – Home | Facebook
https://www.facebook.com/C.Fuglesang

Credit Karma External links:

Credit Karma – Home | Facebook
https://www.facebook.com/CreditKarma

Credit Karma – YouTube
https://www.youtube.com/user/creditkarma

Credit Karma Help Center
https://help.creditkarma.com

Credit Sesame External links:

Credit Sesame – Official Site
https://www.creditsesame.com

Credit Sesame – Home | Facebook
http://www.facebook.com/creditsesame

Credit Sesame Review (Updated for 2017) – AAACreditGuide
https://aaacreditguide.com/credit-sesame-review

Credit bureau External links:

American Credit Bureau
https://www.americancreditbureau.com

CBS – Collections Services Division of Credit Bureau Systems
https://www.credit-bureau.com/cbs

Clarity Services, Inc. | Real-Time Credit Bureau
https://www.clarityservices.com

Credit history External links:

Employment Credit History Report | TransUnion
https://www.transunion.com/product/employment-credit-reports

Your Credit History | Consumer.gov
https://www.consumer.gov/articles/1009-your-credit-history

Credit History, Score & Report | Credit Karma
https://www.creditkarma.com/credit-history

Credit reference External links:

Dow Credit Reference
https://creditreference.dow.com

Credit Reference Login – Business Credit Intelligence
https://www.nacmne.com/non-member-login

[PDF]Credit Reference Request – creditproworld.com
http://www.creditproworld.com/linked/creditreferencerequest.pdf

Credit report External links:

Check Your Credit Report & FICO® Score | Experian
https://www.experian.com

A 3 Bureau Credit Report includes All 3 Credit Reports:
http://www.creditreporting.com/3-bureau-credit-report.html

In-File Credit Report Definition at Mortgage Marvel
http://www.mortgagemarvel.com/mortgage-glossary/in-file-credit-report

Credit report monitoring External links:

Infile Credit Report – 3 Credit Report Monitoring Service
http://csdotmz.com/infile-credit-report

[PDF]Experian Credit Report Monitoring and ID Theft …
https://www.premera.com/documents/035954.pdf

The end of paid credit report monitoring? | Fortune
http://fortune.com/2012/01/03/the-end-of-paid-credit-report-monitoring

Data Protection Directive External links:

Data Protection Directive
http://The Data Protection Directive (officially Directive 95/46/EC on the protection of individuals with regard to the processing of personal data and on the free movement of such data) is a European Union directive adopted in 1995 which regulates the processing of personal data within the European Union.

European Union Data Protection Directive Privacy Statement
http://www.marriott.com/corporateinfo/euswissprivacy.mi

Data mining External links:

[PDF]Data Mining Report – Federation of American Scientists
https://fas.org/irp/dni/datamining.pdf

UT Data Mining
https://datamining.ogm.utah.gov

[PDF]Data Mining Mining Text Data – tutorialspoint.com
https://www.tutorialspoint.com/data_mining/pdf/dm_mining_text_data.pdf

Enforcement Authority External links:

Enforcement authority | Mass.gov
https://www.mass.gov/service-details/enforcement-authority

FICO score External links:

5 Factors that Determine a FICO Score – myFICO blog
https://blog.myfico.com/5-factors-determine-fico-score

Fair Isaac External links:

Fair Isaac – FICO – Stock Price & News | The Motley Fool
https://www.fool.com/quote/nyse/fair-isaac/fico

Fair Isaac Corporation – FICO – Stock Price Today – Zacks
https://www.zacks.com/stock/quote/FICO

Finance and Leasing Association External links:

Finance And Leasing Association Guidelines – makare.de
http://makare.de/finance/and/finance_and_leasing_association_guidelines.pdf

Finance and Leasing Association (FLA) | Practical Law
https://uk.practicallaw.thomsonreuters.com/0-201-0318

Financial Conduct Authority External links:

Financial Conduct Authority to review current accounts
https://www.ft.com/content/6da19286-2439-11e7-a34a-538b4cb30025

Financial Conduct Authority :: Law360
https://www.law360.com/agencies/financial-conduct-authority

Financial Consumer Agency of Canada External links:

Financial Consumer Agency of Canada (FCAC), Ottawa, ON. 7,163 likes · 72 talking about this · 2 were here. French: http://www.facebook.com/ACFCan
http://3.9/5(18)

Financial Consumer Agency of Canada (FCAC) – Home | Facebook
https://www.facebook.com/FCACan

Financial Consumer Agency of Canada – YouTube
https://www.youtube.com/watch?v=Xo2vC0pJvfQ

Identity scoring External links:

Identity scoring – Revolvy
https://topics.revolvy.com/topic/Identity scoring&item_type=topic

Juvo Identity Scoring | Stevie Awards
https://stevieawards.com/iba/juvo-identity-scoring

Juvo Identity Scoring | Stevie Awards
https://stevieawards.com/aba/juvo-identity-scoring

Identity theft External links:

Identity Theft Protection Service | Protect My ID
https://www.protectmyid.com

[PDF]Identity Theft and Your Social Security Number
http://www.ssa.gov/pubs/EN-05-10064.pdf

Interest rate External links:

Interest Expense and Average Interest Rate Graph
http://www.treasurydirect.gov/govt/charts/charts_expense.htm

» Interest Rate Calculators – Interest.com
http://www.interest.com/calculators

Government – Prompt Payment Act Interest Rate
http://www.treasurydirect.gov/govt/rates/tcir/tcir_opdprmt2.htm

Logistic function External links:

Logistic function – OpenWetWare
https://openwetware.org/wiki/Logistic_function

logistic function – Wiktionary
https://en.wiktionary.org/wiki/logistic_function

Logistic function – Calculus
https://calculus.subwiki.org/wiki/Logistic_function

Logistic regression External links:

Assumptions of Logistic Regression – Statistics Solutions
http://www.statisticssolutions.com/assumptions-of-logistic-regression

Lesson 8: Multinomial Logistic Regression Models – …
https://onlinecourses.science.psu.edu/stat504/book/export/html/171

Logistic Regression – San Francisco State University
http://userwww.sfsu.edu/efc/classes/biol710/logistic/logisticreg.htm

Multivariate adaptive regression splines External links:

CiteSeerX — Multivariate adaptive regression splines
http://citeseer.ist.psu.edu/viewdoc/summary?doi=10.1.1.1024.299

Friedman : Multivariate Adaptive Regression Splines
https://projecteuclid.org/euclid.aos/1176347963

Multivariate Adaptive Regression Splines (MARS) | MKE …
https://www.meetup.com/MKE-Big-Data/events/239664859

Predictive analytics External links:

Predictive Analytics Software, Social Listening | NewBrand
https://www.newbrandanalytics.com

Strategic Location Management & Predictive Analytics | …
https://tangoanalytics.com

Predictive Analytics for Healthcare | Forecast Health
https://www.forecasthealth.com

Random forest External links:

python – Random Forest with GridSearchCV – Error on …
https://stackoverflow.com/questions/34889110

Unsupervised Learning With Random Forest Predictors
https://labs.genetics.ucla.edu/horvath/RFclustering/RFclustering.htm

GCD.5 – Random Forest | STAT 897D
https://onlinecourses.science.psu.edu/stat857/node/220

Reserve Bank of India External links:

Reserve Bank of India – YouTube
https://www.youtube.com/channel/UCIfCOl43tunZVNYafeC4RQA

Reserve Bank of India
https://www.rbi.org.in

[PDF]RESERVE BANK OF INDIA PAYMENT CODES
https://www.oceanpay.com/pdfs/india-pop-codes.pdf

South Africa External links:

Standard Bank – South Africa | Log Off
http://www.standardbank.co.za/site/ib_logoff/logoffpage.html

Adobe South Africa – Adobe Africa
http://www.adobe.com/africa

Goal South Africa – Official Site
http://www.goal.com/en-za

Stockholm congestion tax External links:

Protests Mar Opening of Stockholm Congestion Tax
https://www.thenewspaper.com/news/08/875.asp

Stockholm Congestion Tax – YouTube
https://www.youtube.com/watch?v=cvIv2PXzLRc

Stockholm Congestion Tax by shane killeen on Prezi
https://prezi.com/lgivsdf5rmh3/stockholm-congestion-tax

Trusted system External links:

[PDF]Trusted System – California
http://archives.cdn.sos.ca.gov/pdf/er-trusted-system.pdf

Biplan Global – your trusted system integrator
https://www.biplanglobal.com

Wall Street reform External links:

[PDF]DODD-FRANK WALL STREET REFORM AND …
https://www.gpo.gov/fdsys/pkg/PLAW-111publ203/pdf/PLAW-111publ203.pdf

Dodd-Frank Wall Street Reform and Consumer …
https://www.govtrack.us/congress/bills/111/hr4173

Washington Mutual External links:

Washington Mutual Invs Fd Cl A Shs (AWSHX) – NASDAQ.com
http://www.nasdaq.com/symbol/awshx

American Funds Washington Mutual Investors Fund Class …
http://portfolios.morningstar.com/fund/holdings?t=AWSHX

American Funds Washington Mutual Investors Fund Class …
http://performance.morningstar.com/fund/performance-return.action?t=AWSHX

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