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Delivery-date: Wed, 19 Sep 2018 21:09:56 -0500
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Subject: Re: Bank Option
From: Ryan Wakim <ryanwakim@fortunemgmt.com>
In-Reply-To: <060F4C1B-E991-4A40-A43C-A3E182CDB0C0@smbdu.com>
Date: Wed, 19 Sep 2018 22:09:11 -0400
Cc: Dave Novak <davenovak@webhstech.com>,
 Geoff Lusty <geoffl@webhstech.com>,
 Amanda Cantelmi <amandac@webhstech.com>
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Message-Id: <AFBA8A97-7474-4753-9752-3D153F990F37@fortunemgmt.com>
References: <CAGJ=7XEqVP5Wi8DSzBRPFtzZAsWakotY4x+4nM1obcCgJTPYJw@mail.gmail.com> <00e501d43ed5$fd5d18c0$f8174a40$@webhstech.com> <DC78FC85-8C54-4767-9C84-6A95AA683A67@smbdu.com> <007301d45059$e99451b0$bcbcf510$@webhstech.com> <060F4C1B-E991-4A40-A43C-A3E182CDB0C0@smbdu.com>
To: "Chris Farrugia, DDS" <info@smbdu.com>
 
 Content preview:  Hey Team. I apologize for missing today’s call. I was in
    a meeting that went over. So I am clear, when is the next call? I want to
    be sure I have that hard scheduled! Thanks!! Ryan J. Wakim, M.D. [
 
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Hey Team. I apologize for missing today=E2=80=99s call. I was in a meeting t=
hat went over. So I am clear, when is the next call? I want to be sure I hav=
e that hard scheduled!

Thanks!!=20

Ryan J. Wakim, M.D.




RYAN J. WAKIM, M.D. | Managing Partner & Executive Coach for West Virginia &=
 Columbus

MOBILE: 304-280-7337
OFFICE: 304-933-9123
FAX:       304-885-7555
WEBSITE: www.Fortunemgmt.com
FACEBOOK: @FortunemgmtWV

CALL SCHEDULING

LISTEN TO OUR PODCAST

This email, including any attachments hereto, is covered and protected by th=
e Electronic Communications Privacy Act, 18 U.S.C. Sections 2510-2521, and i=
s legally privileged. This e-mail may also contain protected health informat=
ion which the wrongful disclosure or use thereof is prohibited by the Health=
 Insurance Portability and Accountability Act, 42 U.S.C. Section 1320d-6. Th=
is e-mail and any attachments are only for the exclusive and confidential us=
e of the intended recipient indicated. If you are not the intended recipient=
, any such disclosure, copying, use, or other distributions of the informati=
on contained in this e-mail is strictly prohibited. If you are not the inten=
ded recipient, please immediately contact us by reply e-mail or by phone, an=
d erase this e-mail from your records and destroy all copies made.

*sent from my iPhone

> On Sep 19, 2018, at 8:02 PM, Chris Farrugia, DDS <info@smbdu.com> wrote:
>=20
> With my practice I can calculate a daily break even point (overhead) for e=
very workday which we used to develop daily production goals .... I'm wonder=
ing what ours will be when we start....
>=20
> Sent from Chris's Excellent iPhone
>=20
>> On Sep 19, 2018, at 2:46 PM, Dave Novak <davenovak@webhstech.com> wrote:
>>=20
>> Sorry Chris, not understanding your question fully=E2=80=A6
>> =20
>> Please give me a little more info on what end game you are going for and I=
 can get that number for you.
>> =20
>> =20
>> From: Chris Farrugia, DDS [mailto:info@smbdu.com]=20
>> Sent: Wednesday, September 19, 2018 4:40 PM
>> To: Geoff Lusty <geoffl@webhstech.com>
>> Cc: Amanda Cantelmi <amandac@webhstech.com>; Dave Novak <davenovak@webhst=
ech.com>; Ryan Wakim <ryanwakim@fortunemgmt.com>
>> Subject: Re: Bank Option
>> =20
>> Dave, if we break the projected overhead down into a daily break even num=
ber.... what would that be?
>> =20
>>=20
>> Sent from Chris's Excellent iPhone
>>=20
>> On Aug 28, 2018, at 9:49 AM, Geoff Lusty <geoffl@webhstech.com> wrote:
>>=20
>> I am 100% OK with that choice.
>> =20
>> One other option (which would make banking super simple for Amanda) is if=
 we chose First National Bank of PA (FNB).  That is the bank we use for HST a=
nd we make daily deposits there (sometimes several trips).=20
>> =20
>> Either way, I am fine with either PNC or FNB.
>> =20
>> Geoff Lusty
>> Vice President =E2=80=93 HST
>> geoffl@webhstech.com
>> ph. (724) 304-4864
>> =20
>> From: Amanda Cantelmi <amandac@webhstech.com>=20
>> Sent: Tuesday, August 28, 2018 9:46 AM
>> To: Chris Farrugia, DDS <info@smbdu.com>; Dave Novak <davenovak@webhstech=
.com>; Geoff Lusty <geoffl@webhstech.com>; Ryan Wakim <ryanwakim@fortunemgmt=
.com>
>> Subject: Bank Option
>> =20
>> Hi Everyone,
>> =20
>> After spending some time looking for a bank accessible to everyone, the o=
nly option I came up with is PNC (Dave determined the same after doing his o=
wn research).
>> =20
>> Chris - the nearest PNC branch to you is located about 25 mi west in Oran=
ge Beach, AL.  Hopefully with all of the online and mobile banking capabilit=
ies you will not have to make a special trip very often.
>> =20
>> Please let us know if anyone has any objections to using PNC as the offic=
ial bank of IPS/OSA.  If none, Geoff will establish an account this week.
>> =20
>>  =20
>> Amanda Cantelmi
>> Executive Assistant
>> =20
>> <image001.jpg>
>> 315 Ninth Street
>> New Brighton, PA 15066
>> Direct
>> : 724-906-4832
>> Toll Free: 800-372-7790 Ext. 24
>> =20
>> Confidentiality Notice: This e-mail message, including any attachments, i=
s for the sole use of the intended recipient(s) and may contain confidential=
 and privileged information. Any unauthorized review, use, disclosure or dis=
tribution is prohibited. If you are not the intended recipient, please conta=
ct the sender by reply e-mail and destroy all copies of the original message=
.
>> =20
>> =20
>> =20
>> =20

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<html><head><meta http-equiv=3D"content-type" content=3D"text/html; charset=3D=
utf-8"></head><body dir=3D"auto">Hey Team. I apologize for missing today=E2=80=
=99s call. I was in a meeting that went over. So I am clear, when is the nex=
t call? I want to be sure I have that hard scheduled!<div><br></div><div>Tha=
nks!!&nbsp;<br><br><div id=3D"AppleMailSignature"><div class=3D"gmail_signat=
ure" data-smartmail=3D"gmail_signature"><div dir=3D"ltr"><div dir=3D"ltr"><d=
iv dir=3D"ltr"><div dir=3D"ltr"><div dir=3D"ltr"><div dir=3D"ltr"><div dir=3D=
"ltr"><div dir=3D"ltr"><div dir=3D"ltr"><div dir=3D"ltr"><div dir=3D"ltr"><d=
iv dir=3D"ltr"><div dir=3D"ltr"><div dir=3D"ltr"><div dir=3D"ltr"><div><div d=
ir=3D"ltr"><div dir=3D"ltr"><div dir=3D"ltr"><div dir=3D"ltr"><div dir=3D"lt=
r"><div dir=3D"ltr"><div dir=3D"ltr"><div dir=3D"ltr"><div dir=3D"ltr"><div d=
ir=3D"ltr"><div dir=3D"ltr"><div dir=3D"ltr"><div dir=3D"ltr"><div dir=3D"lt=
r"><div dir=3D"ltr"><div><span style=3D"background-color: rgba(255, 255, 255=
, 0);">Ryan J. Wakim, M.D.<br></span></div><div><span style=3D"background-co=
lor: rgba(255, 255, 255, 0);"><br></span></div><div><span style=3D"backgroun=
d-color: rgba(255, 255, 255, 0);"><br></span></div><div><div dir=3D"ltr"><di=
v dir=3D"ltr"><div dir=3D"ltr"><div><div><span style=3D"background-color: rg=
ba(255, 255, 255, 0);"><img alt=3D"http://www.fortunemgmt.com/Images_Content=
/Site1/Images/Layout/FM_Logo2.png" src=3D"http://www.fortunemgmt.com/Images_=
Content/Site1/Images/Layout/FM_Logo2.png" class=3D""><br><br></span></div><s=
pan style=3D"background-color: rgba(255, 255, 255, 0);"><b>RYAN J. WAKIM, M.=
D.</b><i>&nbsp;</i><i>|</i><i>&nbsp;Managing Partner &amp; Executive Coach f=
or West Virginia &amp; Columbus<br></i></span></div><span style=3D"backgroun=
d-color: rgba(255, 255, 255, 0);"><br></span></div><div><span style=3D"backg=
round-color: rgba(255, 255, 255, 0);"><i>MOBILE:</i>&nbsp;<a href=3D"tel:304=
-280-7337" dir=3D"ltr" x-apple-data-detectors=3D"true" x-apple-data-detector=
s-type=3D"telephone" x-apple-data-detectors-result=3D"2">304-280-7337</a><br=
></span></div><div><p class=3D"MsoNormal" style=3D"margin: 0in 0in 0.0001pt;=
"><span style=3D"background-color: rgba(255, 255, 255, 0);"><i>OFFICE:&nbsp;=
</i><a href=3D"tel:304-933-9123" target=3D"_blank">304-933-9123</a><o:p></o:=
p></span></p></div><div><p class=3D"MsoNormal" style=3D"margin: 0in 0in 0.00=
01pt;"><span style=3D"background-color: rgba(255, 255, 255, 0);"><i>FAX: &nb=
sp; &nbsp; &nbsp;&nbsp;</i><a href=3D"tel:304-885-7555" target=3D"_blank">30=
4-885-7555</a></span></p></div></div></div></div></div></div></div></div></d=
iv></div></div></div></div></div></div></div></div></div></div></div><div><d=
iv dir=3D"ltr"><div dir=3D"ltr"><div dir=3D"ltr"><div dir=3D"ltr"><div dir=3D=
"ltr"><div dir=3D"ltr"><div dir=3D"ltr"><div dir=3D"ltr"><div dir=3D"ltr"><d=
iv dir=3D"ltr"><div dir=3D"ltr"><div dir=3D"ltr"><div dir=3D"ltr"><div dir=3D=
"ltr"><div dir=3D"ltr"><div dir=3D"ltr"><div dir=3D"ltr"><div><span style=3D=
"background-color: rgba(255, 255, 255, 0);"><i>WEBSITE</i>:&nbsp;<a href=3D"=
http://www.fortunemgmt.com/westvirginia" target=3D"_blank">www.Fortunemgmt.c=
om</a></span></div><div><span style=3D"background-color: rgba(255, 255, 255,=
 0);"><i>FACEBOOK:&nbsp;</i><a href=3D"https://www.facebook.com/fortunemgmtW=
V/" target=3D"_blank">@FortunemgmtWV</a></span></div><div><div><span style=3D=
"background-color: rgba(255, 255, 255, 0);"><br></span></div><div><font colo=
r=3D"#000000"><span style=3D"background-color: rgba(255, 255, 255, 0);"><a h=
ref=3D"https://drwakimcalender.acuityscheduling.com/" target=3D"_blank">CALL=
 SCHEDULING</a><br></span></font></div></div><div><span style=3D"background-=
color: rgba(255, 255, 255, 0);"><br></span></div><div><font color=3D"#000000=
"><span style=3D"background-color: rgba(255, 255, 255, 0);"><a href=3D"http:=
//www.fortunemgmt.com/article.cfm?Cat=3D10" target=3D"_blank">LISTEN TO OUR P=
ODCAST</a></span></font></div><div><span style=3D"background-color: rgba(255=
, 255, 255, 0);"></span></div><div><span style=3D"font-size: 13pt; backgroun=
d-color: rgba(255, 255, 255, 0);"><br></span></div><div><span style=3D"font-=
size: 13pt; background-color: rgba(255, 255, 255, 0);">This email, including=
 any attachments hereto, is covered and protected by the Electronic Communic=
ations Privacy Act, 18 U.S.C. Sections&nbsp;</span><a href=3D"tel:2510-2521"=
 dir=3D"ltr" x-apple-data-detectors=3D"true" x-apple-data-detectors-type=3D"=
telephone" x-apple-data-detectors-result=3D"4" style=3D"font-size: 13pt; bac=
kground-color: rgba(255, 255, 255, 0);">2510-2521</a><span style=3D"font-siz=
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ility and Accountability Act, 42 U.S.C. Section 1320d-6. This e-mail and any=
 attachments are only for the exclusive and confidential use of the intended=
 recipient indicated. If you are not the intended recipient, any such disclo=
sure, copying, use, or other distributions of the information contained in t=
his e-mail is strictly prohibited. If you are not the intended recipient, pl=
ease immediately contact us by reply e-mail or by phone, and erase this e-ma=
il from your records and destroy all copies made.</span></div><div><span sty=
le=3D"background-color: rgba(255, 255, 255, 0);"><br></span></div><div><span=
 style=3D"background-color: rgba(255, 255, 255, 0);">*sent from my iPhone</s=
pan></div></div></div></div></div></div></div></div></div></div></div></div>=
</div></div></div></div></div></div></div></div></div></div></div></div></di=
v></div></div></div></div></div></div></div></div></div></div></div><div><br=
>On Sep 19, 2018, at 8:02 PM, Chris Farrugia, DDS &lt;<a href=3D"mailto:info=
@smbdu.com">info@smbdu.com</a>&gt; wrote:<br><br></div><blockquote type=3D"c=
ite"><div><meta http-equiv=3D"content-type" content=3D"text/html; charset=3D=
utf-8">With my practice I can calculate a daily break even point (overhead) f=
or every workday which we used to develop daily production goals .... I'm wo=
ndering what ours will be when we start....<br><br><div id=3D"AppleMailSigna=
ture">Sent from Chris's Excellent iPhone</div><div><br>On Sep 19, 2018, at 2=
:46 PM, Dave Novak &lt;<a href=3D"mailto:davenovak@webhstech.com">davenovak@=
webhstech.com</a>&gt; wrote:<br><br></div><blockquote type=3D"cite"><div><me=
ta http-equiv=3D"Content-Type" content=3D"text/html; charset=3Dutf-8"><meta n=
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</o:shapelayout></xml><![endif]--><div class=3D"WordSection1"><p class=3D"Ms=
oNormal"><span style=3D"color:#1F497D">Sorry Chris, not understanding your q=
uestion fully=E2=80=A6<o:p></o:p></span></p><p class=3D"MsoNormal"><span sty=
le=3D"color:#1F497D"><o:p>&nbsp;</o:p></span></p><p class=3D"MsoNormal"><spa=
n style=3D"color:#1F497D">Please give me a little more info on what end game=
 you are going for and I can get that number for you.<o:p></o:p></span></p><=
p class=3D"MsoNormal"><span style=3D"color:#1F497D"><o:p>&nbsp;</o:p></span>=
</p><p class=3D"MsoNormal"><a name=3D"_MailEndCompose"><span style=3D"color:=
#1F497D"><o:p>&nbsp;</o:p></span></a></p><div><div style=3D"border:none;bord=
er-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in"><p class=3D"MsoNormal"=
><b>From:</b> Chris Farrugia, DDS [<a href=3D"mailto:info@smbdu.com">mailto:=
info@smbdu.com</a>] <br><b>Sent:</b> Wednesday, September 19, 2018 4:40 PM<b=
r><b>To:</b> Geoff Lusty &lt;<a href=3D"mailto:geoffl@webhstech.com">geoffl@=
webhstech.com</a>&gt;<br><b>Cc:</b> Amanda Cantelmi &lt;<a href=3D"mailto:am=
andac@webhstech.com">amandac@webhstech.com</a>&gt;; Dave Novak &lt;<a href=3D=
"mailto:davenovak@webhstech.com">davenovak@webhstech.com</a>&gt;; Ryan Wakim=
 &lt;<a href=3D"mailto:ryanwakim@fortunemgmt.com">ryanwakim@fortunemgmt.com<=
/a>&gt;<br><b>Subject:</b> Re: Bank Option<o:p></o:p></p></div></div><p clas=
s=3D"MsoNormal"><o:p>&nbsp;</o:p></p><p class=3D"MsoNormal">Dave, if we brea=
k the projected overhead down into a daily break even number.... what would t=
hat be?<span style=3D"font-size:12.0pt"><o:p></o:p></span></p><div><p class=3D=
"MsoNormal" style=3D"margin-bottom:12.0pt"><o:p>&nbsp;</o:p></p><div id=3D"A=
ppleMailSignature"><p class=3D"MsoNormal">Sent from Chris's Excellent iPhone=
<o:p></o:p></p></div><div><p class=3D"MsoNormal" style=3D"margin-bottom:12.0=
pt"><br>On Aug 28, 2018, at 9:49 AM, Geoff Lusty &lt;<a href=3D"mailto:geoff=
l@webhstech.com">geoffl@webhstech.com</a>&gt; wrote:<o:p></o:p></p></div><bl=
ockquote style=3D"margin-top:5.0pt;margin-bottom:5.0pt"><div><p class=3D"Mso=
Normal">I am 100% OK with that choice.<o:p></o:p></p><p class=3D"MsoNormal">=
&nbsp;<o:p></o:p></p><p class=3D"MsoNormal">One other option (which would ma=
ke banking super simple for Amanda) is if we chose First National Bank of PA=
 (FNB).&nbsp; That is the bank we use for HST and we make daily deposits the=
re (sometimes several trips).&nbsp; <o:p></o:p></p><p class=3D"MsoNormal">&n=
bsp;<o:p></o:p></p><p class=3D"MsoNormal">Either way, I am fine with either P=
NC or FNB.<o:p></o:p></p><p class=3D"MsoNormal">&nbsp;<o:p></o:p></p><p clas=
s=3D"MsoNormal">Geoff Lusty<o:p></o:p></p><p class=3D"MsoNormal">Vice Presid=
ent =E2=80=93 HST<o:p></o:p></p><p class=3D"MsoNormal"><a href=3D"mailto:geo=
ffl@webhstech.com"><span style=3D"color:blue">geoffl@webhstech.com</span></a=
> <o:p></o:p></p><p class=3D"MsoNormal">ph. (724) 304-4864<o:p></o:p></p><p c=
lass=3D"MsoNormal">&nbsp;<o:p></o:p></p><p class=3D"MsoNormal"><b>From:</b> A=
manda Cantelmi &lt;<a href=3D"mailto:amandac@webhstech.com">amandac@webhstec=
h.com</a>&gt; <br><b>Sent:</b> Tuesday, August 28, 2018 9:46 AM<br><b>To:</b=
> Chris Farrugia, DDS &lt;<a href=3D"mailto:info@smbdu.com">info@smbdu.com</=
a>&gt;; Dave Novak &lt;<a href=3D"mailto:davenovak@webhstech.com">davenovak@=
webhstech.com</a>&gt;; Geoff Lusty &lt;<a href=3D"mailto:geoffl@webhstech.co=
m">geoffl@webhstech.com</a>&gt;; Ryan Wakim &lt;<a href=3D"mailto:ryanwakim@=
fortunemgmt.com">ryanwakim@fortunemgmt.com</a>&gt;<br><b>Subject:</b> Bank O=
ption<o:p></o:p></p><p class=3D"MsoNormal">&nbsp;<o:p></o:p></p><div><p clas=
s=3D"MsoNormal">Hi Everyone,<o:p></o:p></p><div><p class=3D"MsoNormal">&nbsp=
;<o:p></o:p></p></div><div><p class=3D"MsoNormal">After spending some time l=
ooking for a bank accessible to everyone, the only option I came up with is P=
NC (Dave determined the same after doing his own research).<o:p></o:p></p></=
div><div><p class=3D"MsoNormal">&nbsp;<o:p></o:p></p></div><div><p class=3D"=
MsoNormal">Chris - the nearest PNC branch to you is located about 25 mi west=
 in Orange Beach, AL.&nbsp; Hopefully with all of the online and mobile bank=
ing capabilities you will not have to make a special trip very often.<o:p></=
o:p></p></div><div><p class=3D"MsoNormal">&nbsp;<o:p></o:p></p></div><div><p=
 class=3D"MsoNormal">Please let us know if anyone has any objections to usin=
g PNC as the official bank of IPS/OSA.&nbsp; If none, Geoff will establish a=
n account this week.<o:p></o:p></p></div><div><p class=3D"MsoNormal">&nbsp;<=
o:p></o:p></p></div><div><p class=3D"MsoNormal">&nbsp;&nbsp;<o:p></o:p></p><=
/div><div><div><div><div><div><div><div><div><div><div><div><div><p class=3D=
"MsoNormal"><b><span style=3D"font-size:13.5pt;font-family:&quot;Trebuchet M=
S&quot;,sans-serif;color:#741B47">Amanda Cantelmi</span></b><o:p></o:p></p><=
/div><div><p class=3D"MsoNormal"><span style=3D"font-size:10.0pt;font-family=
:&quot;Verdana&quot;,sans-serif;color:#741B47">Executive Assistant</span><o:=
p></o:p></p></div><div><p class=3D"MsoNormal">&nbsp;<o:p></o:p></p></div><di=
v><div><div><p class=3D"MsoNormal"><b><span style=3D"font-size:12.0pt;font-f=
amily:&quot;Verdana&quot;,sans-serif;color:#274E13;border:solid windowtext 1=
.0pt;padding:0in">&lt;image001.jpg&gt;</span></b><o:p></o:p></p></div><div><=
p class=3D"MsoNormal"><b><span style=3D"font-size:9.5pt;font-family:&quot;Ve=
rdana&quot;,sans-serif;color:#741B47">315 Ninth Street</span></b><o:p></o:p>=
</p></div><div><p class=3D"MsoNormal"><b><span style=3D"font-size:9.5pt;font=
-family:&quot;Verdana&quot;,sans-serif;color:#741B47">New Brighton, PA 15066=
</span></b><o:p></o:p></p></div><div><div><p class=3D"MsoNormal"><span style=
=3D"font-size:9.5pt;font-family:&quot;Verdana&quot;,sans-serif;color:black">=
Direct</span><o:p></o:p></p></div><p class=3D"MsoNormal"><span style=3D"font=
-size:9.5pt;font-family:&quot;Verdana&quot;,sans-serif;color:black">:</span>=
<span style=3D"font-size:9.5pt;color:black"> </span><span style=3D"font-size=
:9.5pt;font-family:&quot;Verdana&quot;,sans-serif;color:black">724-906-4832<=
/span><o:p></o:p></p></div><div><div><p class=3D"MsoNormal"><span style=3D"f=
ont-size:10.0pt;font-family:&quot;Verdana&quot;,sans-serif;color:black">Toll=
 Free:<b>&nbsp;</b>800-372-7790&nbsp;Ext. 24</span><o:p></o:p></p></div></di=
v></div><div><div><p class=3D"MsoNormal"><span style=3D"font-size:9.5pt">&nb=
sp;</span><o:p></o:p></p></div></div><div><p class=3D"MsoNormal"><span style=
=3D"font-size:9.5pt;font-family:&quot;Verdana&quot;,sans-serif">Confidential=
ity Notice: This e-mail message, including any attachments, is for the sole u=
se of the intended recipient(s) and may contain confidential and privileged i=
nformation. Any unauthorized review, use, disclosure or distribution is proh=
ibited. If you are not the intended recipient, please contact the sender by r=
eply e-mail and destroy all copies of the original message.</span><o:p></o:p=
></p><div><p class=3D"MsoNormal"><span style=3D"font-size:9.5pt">&nbsp;</spa=
n><o:p></o:p></p></div></div><div><div><p class=3D"MsoNormal"><b><span style=
=3D"font-family:&quot;Trebuchet MS&quot;,sans-serif;color:black">&nbsp;</spa=
n></b><o:p></o:p></p></div></div><div><p class=3D"MsoNormal">&nbsp;<o:p></o:=
p></p></div><div><p class=3D"MsoNormal">&nbsp;<o:p></o:p></p></div></div></d=
iv></div></div></div></div></div></div></div></div></div></div></div></div><=
/blockquote></div></div></div></blockquote></div></blockquote></div></body><=
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