{"id":1647,"date":"2025-08-05T18:25:56","date_gmt":"2025-08-05T18:25:56","guid":{"rendered":"https:\/\/athomewithgem.com\/?page_id=1647"},"modified":"2025-08-08T09:14:29","modified_gmt":"2025-08-08T09:14:29","slug":"%eb%b9%84%eb%b0%9c%eb%94%94%ec%b9%b4%ec%a7%80%eb%85%b8","status":"publish","type":"page","link":"https:\/\/athomewithgem.com\/%eb%b9%84%eb%b0%9c%eb%94%94%ec%b9%b4%ec%a7%80%eb%85%b8\/","title":{"rendered":"\ube44\ubc1c\ub514\uce74\uc9c0\ub178 \uc811\uc18d \ub3c4\uba54\uc778 | \ube44\ubc1c\ub514 \ubc14\uce74\ub77c\uc0ac\uc774\ud2b8"},"content":{"rendered":"\n

\ube44\ubc1c\ub514\uce74\uc9c0\ub178 \ub294 \ud22c\uba85\ud55c \uc6b4\uc601\uc815\ucc45\uacfc \ud655\uc2e4\ud55c \ubcf4\uc0c1\uacfc \uc774\ubca4\ud2b8\ub85c \ub9ce\uc740 \uad6d\ub0b4 \ubc14\uce74\ub77c \uc720\uc800\ub4e4\uc5d0\uac8c \uc88b\uc740 \ud3c9\uac00\ub97c \ubc1b\uace0 \uc788\ub294 \uc885\ud569 \uce74\uc9c0\ub178 \uc0ac\uc774\ud2b8 \uc785\ub2c8\ub2e4.<\/p>\n\n\n\n

\n
\ube44\ubc1c\ub514\uce74\uc9c0\ub178 \ubc14\ub85c \uc811\uc18d<\/a><\/div>\n<\/div>\n\n\n\n
\"\ube44\ubc1c\ub514\uce74\uc9c0\ub178\"<\/figure>\n\n\n\n

\ube44\ubc1c\ub514\uce74\uc9c0\ub178<\/h2>\n\n\n\n

\ube44\ubc1c\ub514\uce74\uc9c0\ub178 \uc6b4\uc601\uc815\ucc45<\/h3>\n\n\n\n

\uc5b8\uc81c\ub098 \ud68c\uc6d0\uc758 \uc785\uc7a5\uc5d0\uc11c \uc0ac\uc774\ud2b8\ub97c \uc6b4\uc601\ud558\ub294 \ube44\ubc1c\ub514\ub294 \uc801\uadf9\uc801\uc774\uace0 \uc989\uac01\uc801\uc778 \ud68c\uc6d0 \ubb38\uc758\ub2f5\ubcc0\uc744 \ud1b5\ud574 \ud68c\uc6d0\ub4e4\uacfc \uc880 \ub354 \uc18c\ud1b5\ud558\uace0 \ud68c\uc6d0\ub4e4\uc758 \ubd88\ud3b8\ud568\uc744 \uba3c\uc800 \ud655\uc778\ud558\uc5ec \uc120 \uc870\ucde8\ud558\ub824\ub294 \uc790\uc138\ub85c \uc6b4\uc601\uc744 \ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.
\uc5ec\ub290 \uce74\uc9c0\ub178\uc0ac\uc774\ud2b8\ub294 \ud56d\uc0c1 \uac11\uc758 \uc785\uc7a5\uc5d0\uc11c \ud68c\uc6d0\uc744 \ub300\ud558\uace0 \uc788\ub2e4\uba74 \ube44\ubc1c\ub514\ub294 \uc5b8\uc81c\ub098 \ub0ae\uc740 \uc790\uc138\uc5d0\uc11c \ud68c\uc6d0\ub4e4\uc758 \uc785\uc7a5\uacfc \uc0c1\ud669\uc744 \uace0\ub824\ud558\uc5ec \ud68c\uc6d0\uc774 \uc6d0\ud558\ub294 \ub2f5\ubcc0\uc744 \ud574\uc8fc\uae30 \ub178\ub825\ud558\ub294 \uc0ac\uc774\ud2b8\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n

24\uc2dc\uac04 \uc2e4\uc2dc\uac04 \ucc57\ud305<\/h4>\n\n\n\n

\ub85c\uadf8\uc778\uc744 \ud558\uc9c0 \uc54a\uc544\ub3c4 \uc0ac\uc774\ud2b8 \ud558\ub2e8\uc5d0 \uc788\ub294 \uc2e4\uc2dc\uac04 \ucc57\ud305\uc744 \ud1b5\ud558\uc5ec \ud604\uc7ac \uc9c4\ud589\uc911\uc778 \uc774\ubca4\ud2b8\uc640 \uc6b4\uc601\ubc29\uc2dd \ubc0f \ud68c\uc6d0\uac00\uc785\ub4f1 \uc804\uccb4\uc801\uc778 \uc0ac\uc774\ud2b8\ub97c \ubd84\uc704\uae30\ub97c \uba3c\uc800 \uc54c\uace0 \uc0ac\uc774\ud2b8 \uc774\uc6a9\uc5ec\ubd80\ub97c \ud310\ub2e8\ud560 \uc218 \uc788\ub294 \uc2dc\uc2a4\ud15c\uc73c\ub85c 24\uc2dc\uac04 \uc6b4\uc601\ub418\uba70 \ubc14\ub85c\ubc14\ub85c \ucc57\ud305\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n

\uace0\uac1d\uc13c\ud130<\/h4>\n\n\n\n

\uc0ac\uc774\ud2b8 \uc774\uc6a9 \uc2dc \ubc1c\uc0dd\ub418\ub294 \ubb38\uc81c\uc810\uc774\ub098 \uac8c\uc784\uc624\ub958, \ucda9\ud658\uc804 \uacc4\uc88c\ub4f1\uc744 \uace0\uac1d\uc13c\ud130\ub97c \ud1b5\ud574 \ubb38\uc758\ud560 \uc218 \uc788\uace0 \ub2f5\ubcc0\ub0b4\uc6a9\uc744 \uc0ad\uc81c\ud558\uc2dc \uc54a\ub294 \uc774\uc0c1 \ud56d\uc0c1 \ubcfc \uc218 \uc788\uae30 \ub54c\ubb38\uc5d0 \uace0\uac1d\uc13c\ud130\ub97c \uc774\uc6a9\ud558\uba74 \uacf5\uc9c0\uc0ac\ud56d\uc774\ub098 \uc774\ubca4\ud2b8\ub4f1\uc758 \uc635\uc158\uc744 \uc218\uc2dc\ub85c \ud655\uc778\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

\ucabd\uc9c0<\/h4>\n\n\n\n

\ucabd\uc9c0\ub97c \ud1b5\ud574 \uc548\ub0b4\ub418\ub294 \ub0b4\uc6a9\uc758 \ub300\ubd80\ubd84\uc740 \uc740\ud589 \uc810\uac80\uc774\ub098 \uc0ac\uc774\ud2b8 \uc810\uac80\ub4f1 \uc804\uccb4\uc801\uc778 \ub0b4\uc6a9\ub4e4\uc774 \ub300\ubd80\ubd84\uc774\uc9c0\ub9cc, \ubc30\ud305 \uc911 \uc2e4\uc218\ud558\uc5ec \uc0ac\uc774\ud2b8 \uaddc\uc815\uc744 \uc5b4\uacbc\uc744 \ub54c \ucabd\uc9c0\ub97c \ud1b5\ud55c \uc548\ub0b4\uc640 \uacbd\uace0\ub97c \ud558\uae30 \ub54c\ubb38\uc5d0 \uc5b8\uc81c\ub098 \ucabd\uc9c0\ub294 \ud655\uc778\ud558\uc5ec\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n

\uc774\ubca4\ud2b8<\/h3>\n\n\n\n

\ub9ce\uc740 \uce74\uc9c0\ub178\uc0ac\uc774\ud2b8\uc5d0\uc11c \uc9c4\ud589\ud558\ub294 \uc774\ubca4\ud2b8\uc911\uc5d0\ub294 \ud68c\uc6d0\ub4e4\uc5d0\uac8c \ub531\ud788 \ub3c4\uc6c0\uc774 \ub418\ub294 \uc774\ubca4\ud2b8\ub294 \ub9ce\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.
\ud558\uc9c0\ub9cc \ube44\ubc1c\ub514\uce74\uc9c0\ub178\uc5d0\uc11c \uc9c4\ud589\ud558\ub294 \uc774\ubca4\ud2b8\ub294 \uc9c1\uc811\uc801\uc73c\ub85c \ud68c\uc6d0\ub4e4\uc5d0\uac8c \ub3c4\uc6c0\uc774 \ub418\uace0 \ubc30\ud305\uc744 \ud558\ub294 \ub370 \uc788\uc5b4\uc11c \uac00\uc9c0\uace0 \uc788\ub294 \uc2dc\ub4dc\uba38\ub2c8\ubcf4\ub2e4 \uc880 \ub354 \ub9ce\uc740 \uc2dc\ub4dc\uba38\ub2c8\ub85c \ubc30\ud305\uc744 \ud560 \uc218 \uc788\ub3c4\ub85d \uc54c\ucc2c \uc774\ubca4\ud2b8\ub85c \uad6c\uc131\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

\"\"<\/figure>
\n

\uc2e0\uaddc \uac00\uc785 \uccab\ucda9\uc804 \uc774\ubca4\ud2b8<\/strong><\/p>\n\n\n\n

3\uac1c\uc758 \uc120\ud0dd \uc774\ubca4\ud2b8<\/p>\n\n\n\n

    \n
  1. \uc2a4\ud398\uc15c \ub864\ub9c1 \ucf64\ud504
    \uce74\uc9c0\ub178 0.6% \uc2ac\ub86f1.2%
    \uc2e0\uaddc \uccab \ucda9\uc804\uc2dc
    \uc77c\uc8fc\uc77c \uac04 \ub864\ub9c1 \ucf64\ud504 \uc0c1\ud5a5 \uc801\uc6a9
    <\/li>\n\n\n\n
  2. \uc785\uae08\ud50c\ub7ec\uc2a4(\uce74\uc9c0\ub178)
    5+1, 10+3, 20+5
    * \ucf64\ud504 \ub808\ubca8\uc740 1\ub808\ubca8\uacfc \ub3d9\uc77c
    \ub864\ub9c1 500%
    <\/li>\n\n\n\n
  3. \uc785\uae08\ud50c\ub7ec\uc2a4(\uc2ac\ub86f)
    10+5, 20+7, 30+10, 50+20
    100+30, 200+60
    *\uae08\uc561\uc5d0 \ub9de\uac8c \uc785\uae08
    \ub864\ub9c1 300%
    <\/li>\n<\/ol>\n<\/div><\/div>\n\n\n\n

    \uc2e0\uaddc \uac00\uc785 \uccab\ucda9\uc804 \uc774\ubca4\ud2b8<\/strong><\/p>\n\n\n\n

    \"\"<\/figure>
    \n

    \ub9e4\ucda9 \uc774\ubca4\ud2b8<\/strong><\/p>\n\n\n\n

    \ub9e4 \uc785\uae08\uc2dc \ub9c8\ub2e4 \uc785\uae08 \uae08\uc561\uc758
    15% \ud3ec\uc778\ud2b8 \uc9c0\uae09<\/p>\n\n\n\n

    \ubaa8\ub4e0 \uac8c\uc784\uc5d0 \uc774\uc6a9\uac00\ub2a5
    24\uc2dc\uac04 \uc774\ub0b4\uc5d0 \ud658\uc804 \uc774\ub825\uc788\uc73c\uba74 \ubd88\uac00<\/p>\n\n\n\n

    <\/p>\n<\/div><\/div>\n\n\n\n

    \ub9e4\ucda9 \uc774\ubca4\ud2b8<\/strong><\/p>\n\n\n\n

    \"\"<\/figure>
    \n

    \ud398\uc774\ubc31 \uc774\ubca4\ud2b8<\/strong><\/p>\n\n\n\n

    \uc9c0\ub09c\uc8fc \uc6d4\uc694\uc77c ~ \uc77c\uc694\uc77c
    \uc785\uae08 – \ucd9c\uae08 – \ubcf4\uc720 \ucc28\uc561\uc758 5%<\/p>\n\n\n\n

    \uc989\uc2dc \ucd9c\uae08 \uac00\ub2a5 \uae08\uc561<\/p>\n\n\n\n

    \uc2e0\uaddc \uccab\ucda9 \uc8fc\uac04 \uc774\ubca4\ud2b8 \uc801\uc6a9\ubc1b\uc73c\uba74
    \ub2e4\uc74c\uc8fc \ud61c\ud0dd \uac00\ub2a5<\/p>\n<\/div><\/div>\n\n\n\n

    \ud398\uc774\ubc31 \uc774\ubca4\ud2b8<\/strong><\/p>\n\n\n\n

    \"\ube44\ubc1c\ub514\uce74\uc9c0\ub178\"<\/figure>
    \n

    \uc9c0\uc778 \ucd94\ucc9c \uc774\ubca4\ud2b8<\/strong><\/p>\n\n\n\n

    1\uba85 \ucd94\ucc9c\uc2dc 100,000
    3\uba85 \ucd94\ucc9c\uc2dc 300,000
    5\uba85 \ucd94\ucc9c\uc2dc 700,000
    10\uba85 \ucd94\ucc9c\uc2dc 1,500,000<\/p>\n\n\n\n

    \uc2e4\uc81c \uc9c0\uc778 \ucd94\ucc9c\uc73c\ub85c
    \uc6d4 30\ub9cc \ucda9\uc804 3\ud68c \uc774\uc0c1 \uc774\uc6a9\uc2dc \uc9c0\uae09<\/p>\n\n\n\n

    \ud3ec\uc778\ud2b8\ub294 \ucd5c\ub300 10\ubc30\uae4c\uc9c0 \ucd9c\uae08<\/p>\n<\/div><\/div>\n\n\n\n

    \uc9c0\uc778 \ucd94\ucc9c \uc774\ubca4\ud2b8<\/strong><\/p>\n\n\n\n

    \"\ube44\ubc1c\ub514\uce74\uc9c0\ub178\"<\/figure>
    \n

    \ud6c4\uae30 \uc791\uc131 \uc774\ubca4\ud2b8<\/strong><\/p>\n\n\n\n

    \ube44\ubc1c\ub514\uce74\uc9c0\ub178 \uc774\uc6a9 \ud6c4 \ud64d\ubcf4 \ubc0f \ud6c4\uae30\uc791\uc131 \uc2dc
    \uae00 \ub4f1\ub85d\ud655\uc778 \ud6c4 \ud3ec\uc778\ud2b8 \uc9c0\uae09<\/p>\n\n\n\n

    \ud655\uc778\ud560 \uc218 \uc788\ub294 \ub9c1\ud06c\ub97c \ubcf4\ub0b4\uc8fc\uc5b4\uc57c \uac00\ub2a5
    \uae00 \uc791\uc131 \uc2dc \uc870\uac74 \ud655\uc778<\/p>\n<\/div><\/div>\n\n\n\n

    \ud6c4\uae30 \uc791\uc131 \uc774\ubca4\ud2b8<\/strong><\/p>\n\n\n\n

    \ube44\ubc1c\ub514\uce74\uc9c0\ub178 \uc758 \ud68c\uc6d0 \uc815\ubcf4 \uc548\uc2ec \uc2dc\uc2a4\ud15c<\/h3>\n\n\n\n

    \ube44\ubc1c\ub514\uce74\uc9c0\ub178\ub294 \ucd5c\uace0\uc758 \ubcf4\uc548 \uc804\ubb38\uac00\uac00 \uc0c1\uc8fc\ud558\uace0 \uc788\ub294 \uc2dc\uc2a4\ud15c\uc73c\ub85c \ud574\ud0b9\uc774\ub098 \ub514\ub3c4\uc2a4\ub4f1\uc5d0 \ucca0\uc800\ud558\uac8c \ub300\ube44\ud558\uace0 \uc788\uc73c\uba70, \uafb8\uc900\ud55c \ub370\uc774\ud130 \ucd95\ucc99\uc73c\ub85c \uc778\ud558\uc5ec \ubcc0\uc218\ubc1c\uc0dd\uc5d0\ub3c4 \ube60\ub974\uac8c \ub300\ucc98\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.
    \ub610\ud55c \uc6b4\uc601\uc9c4\uc758 \ub514\ube44 \ube7c\ub3cc\ub9ac\uae30\ub4f1 \ud68c\uc6d0\ub4e4\uc758 \uc2e0\uc0c1\uc815\ubcf4\uac00 \ub2e4\ub978\uacf3\uc5d0 \ub098\uac00\ub294 \uc77c\uc774 \uc6d0\ucc9c\uc801\uc73c\ub85c \ubd09\uc1c4\ub418\uc5b4 \uac00\uc785 \ud6c4 \ubc1b\uac8c \ub418\ub294 \uc2a4\ud338\ubb38\uc790 \ubc1c\uc0dd\uc740 \uc804\ud600 \uc5c6\uc2b5\ub2c8\ub2e4.
    \ub610\ud55c \ud574\uc678\uc5d0 \uc11c\ubc84\ub97c \ub450\uace0 \uc788\uc5b4\uc11c \ud639\uc2dc \ubaa8\ub97c \ubb38\uc81c\uc5d0\ub3c4 \ucca0\uc800\ud558\uac8c \uc900\ube44\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

    \uce74\uc9c0\ub178 \uc2ac\ub86f \uac8c\uc784 \ucd1d\ub9dd\ub77c<\/strong><\/h3>\n\n\n\n

    \uc77c\ubd80 \uce74\uc9c0\ub178\uc0ac\uc774\ud2b8\uc5d0\uc11c\ub294 \uc0ac\uc774\ud2b8\uc758 \uc774\uc775\uc744 \uc704\ud558\uc5ec \ud68c\uc6d0\uc5d0\uac8c \uc720\ub9ac\ud55c \uac8c\uc784\uc744 \ub2eb\uc544\ub450\uac70\ub098 \uc81c\uc7ac\ub97c \uc2ec\ud558\uac8c \ud558\ub294 \uacbd\uc6b0\uac00 \uc788\uc9c0\ub9cc \ube44\ubc1c\ub514\ub294 \ubaa8\ub4e0 \uac8c\uc784\uc744 \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.
    \ub2e8\uc9c0, \ub2f9\ucca8 \uae08\uc561\uc774 \ub108\ubb34 \ucee4\uc11c \uc0ac\uc774\ud2b8\ub098 \ud68c\uc6d0\uc774 \uc11c\ub85c \ub09c\uac10\ud55c \uc0c1\ud669\uc774 \uc0dd\uae38 \uc218 \uc788\ub294 \uac8c\uc784\uc758 \uacbd\uc6b0 \ucd5c\ub300 \ub2f9\ucca8\uae08\uc561\uc744 \ud1b5\ud574 \ub2f9\ucca8\uc774 \ub418\uc5b4\ub3c4 \ubd88\uc548\ud558\uc9c0 \uc54a\uace0 \uc990\uae38 \uc218 \uc788\ub3c4\ub85d \uc2dc\uc2a4\ud15c\uc73c\ub85c \uad6c\uc131\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4.
    \uc5d0\ubcfc\ub8e8\uc158, \ub9c8\uc774\ud06c\ub85c\uac8c\uc774\ubc0d\ub4f1 \uc628\ub77c\uc778 \uce74\uc9c0\ub178 \uc11c\ube44\uc2a4 \uc5c5\uccb4\uac00 \ubaa8\ub450 \ub9dd\ub77c\ub418\uc5b4 \uc788\uc73c\uba70, \ud504\ub77c\uadf8\ub9c8\ud2f1 \uc2ac\ub86f, \ub137\uc5d4\ud2b8\ub4f1 1000\uc5ec\uac1c\uac00 \ub118\ub294 \uc2ac\ub86f\uc744 \uc774\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

    \ube44\ubc1c\ub514\uce74\uc9c0\ub178 \ubcf8\uc778 \uc804\uc6a9\uacc4\uc88c \ubc1c\uae09<\/strong><\/h3>\n\n\n\n

    \uc77c\ubd80 \uc0ac\uc774\ud2b8\uc5d0\uc11c\ub294 \ucda9\uc804\uacc4\uc88c\ub97c \uac19\uc774 \uc0ac\uc6a9\ud568\uc73c\ub85c\uc368 \ucc28\ud6c4\uc5d0 \ubb38\uc81c\uac00 \uc0dd\uae30\uba74 \uac00\uc785\ud55c \ud68c\uc6d0 \ubaa8\ub450\uc5d0\uac8c \ubb38\uc81c\uac00 \ubc1c\uc0dd\ud558\ub294 \uc77c\uc774 \ube44\uc77c\ube44\uc7ac\ud558\uc9c0\ub9c8, \ube44\ubc1c\ub514\ub294 \uc804\uc6a9\uacc4\uc88c \ubc1c\uae09\uc73c\ub85c \uc778\ud558\uc5ec \ud504\ub77c\uc774\ube57\ud558\uac8c \uac8c\uc784\uc744 \uc990\uae38 \uc218 \uc788\uc2b5\ub2c8\ub2e4.
    \ub610\ud55c \ud3c9\uc0dd\uacc4\uc88c\ub85c \uacf5\uc9c0\ub098 \uc548\ub0b4\uac00 \uc5c6\ub294 \ud55c \uacc4\uc18d\ud558\uc5ec \uc0ac\uc6a9\ud560 \uc218 \uc788\uc5b4\uc11c \ubc88\ubc88\ud788 \uace0\uac1d\uc13c\ud130\uc5d0 \ubb38\uc758\ud574\uc57c \ud558\ub294 \uc218\uace0\ub3c4 \uc904\uc5ec\uc904 \uc218 \uc788\uc2b5\ub2c8\ub2e4.
    \uc804\uc6a9\uacc4\uc88c \ubc1c\uae08\uc5d0 \uac00\uc7a5 \ud070 \uc7a5\uc810\uc740 \ube60\ub978 \ucda9\ud658\uc804\uc73c\ub85c, \ubd88\uc548\ud568\uc744 \uc560\ucd08\uc5d0 \uac00\uc9c0\uc9c0 \uc54a\uace0 \uac8c\uc784\uc744 \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

    \ud3b8\ub9ac\ud55c \uc778\ud130\ud398\uc774\uc2a4<\/h3>\n\n\n\n

    \ud074\ub9ad \uba87\ubc88\ub9cc\uc73c\ub85c \ubcf8\uc778\uc774 \uc6d0\ud558\ub294 \uac8c\uc784\uc73c\ub85c \uc27d\uac8c \uc774\ub3d9\ud560 \uc218 \uc788\ub294 \uc778\ud130\ud398\uc774\uc2a4\ub97c \uc790\ub791\ud558\ub294 \ube44\ubc1c\ub514\ub294 \uc5b4\ub5a0\ud55c \uc811\uc18d\uae30\uae30\uc5d0\uc11c\ub3c4 \ud3b8\ud558\uac8c \uc774\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.
    \ubaa8\ubc14\uc77c \uc804\uc6a9 \uc2dc\uc2a4\ud15c\uc744 \uac16\ucd94\uace0 \uc788\uc5b4\uc11c \ud55c\uc190\uc73c\ub85c\ub3c4 \ud3b8\ud558\uac8c \uac01 \uce74\ud14c\uace0\ub9ac\ub97c \uc774\ub3d9\ud560 \uc218 \uc788\uace0 \uc190\uc27d\uac8c \uace0\uac1d\uc13c\ud130 \ubc0f \ucda9\ud658\uc804 \uc5c5\ubb34\ub97c \ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4.
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