Mission: Seeking to put God's love into action, Habitat for Humanity Greater Orlando & Osceola County brings people together to build homes, communities, and hope.

We empower low income families and individuals to achieve economic mobility through safe, affordable homeownership. Since 1986 we have been constructing, rehabilitating, and preserving homes; advocating for fair and just housing policies; and providing training and access to resources to help families gain and sustain long term housing stability.

With thousands of volunteers and funding partners we have built entire subdivisions of quality, energy efficient homes and townhomes that low income future new homeowners purchase with very affordable mortgages. We have helped thousands of Central Florida men, women and children achieve the life-long benefits of homeownership - financial and housing stability, better education, health, childhood development, and new opportunities for generations to come.

Habitat for Humanity Greater Orlando & Osceola County is a 501(c)(3) organization, with an IRS ruling year of 1987, and donations are tax-deductible.

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Contact Information

  https://habitatorlandoosceola.org/

 4116 Silver Star Road
Orlando FL 32808 

  407-648-4567


You are viewing this organization's new Charity Navigator profile page. To view the legacy version, click here.

Star Rating System by Charity Navigator


Charity Navigator evaluates a nonprofit organization’s financial health including measures of stability, efficiency and sustainability. We also track accountability and transparency policies to ensure the good governance and integrity of the organization.




Good

This charity's score is 85.80, earning it a 3-Star rating. Donors can "Give with Confidence" to this charity. 

This score is calculated from two sub-scores:

This score represents Form 990 data from 2019. More recent filing data is available, but it has not been factored into this score, due to COVID-19's effect on this organization.

View this organization’s historical ratings.

Rating update postponed due to COVID-19's impact on this organization. View Habitat for Humanity Greater Orlando & Osceola County's response.


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Star Rated Report

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Program Expense

Program Expense Ratio

84.2%


The Program Expense Ratio is determined by Program Expenses divided by Total Expense (average of most recent three 990s).


This measure reflects the percent of its total expenses a charity spends on the programs and services it exists to deliver. Dividing a charity's average program expenses by its average total functional expenses yields this percentage. We calculate the charity's average expenses over its three most recent fiscal years.


Source: IRS Form 990

Administrative Expenses

8.9%


As reported by charities on their IRS Form 990, this measure reflects what percent of its total budget a charity spends on overhead, administrative staff and associated costs, and organizational meetings. Dividing a charity's average administrative expenses by its average total functional expenses yields this percentage. We calculate the charity's average expenses over its three most recent fiscal years.


Source: IRS Form 990

Fundraising Expenses

6.7%


This measure reflects what a charity spends to raise money. Fundraising expenses can include campaign printing, publicity, mailing, and staffing and costs incurred in soliciting donations, memberships, and grants. Dividing a charity's average fundraising expenses by its average total functional expenses yields this percentage. We calculate the charity's average expenses over its three most recent fiscal years.


Source: IRS Form 990

Liabilities to Assets Ratio

59.3%


The Liabilities to Assets Ratio is determined by Total Liabilities divided by Total Assets (most recent 990).


Part of our goal in rating the financial performance of charities is to help donors assess the financial capacity and sustainability of a charity. As do organizations in other sectors, charities must be mindful of their management of total liabilites in relation to their total assets. This ratio is an indicator of an organization’s solvency and or long term sustainability. Dividing a charity's total liabilities by its total assets yields this percentage.


Source: IRS Form 990

Fundraising Efficiency

$0.16


The amount spent to raise $1 in charitable contributions. To calculate a charity's fundraising efficiency, we divide its average fundraising expenses by the average total contributions it receives. We calculate the charity's average expenses and average contributions over its three most recent fiscal years.


Source: IRS Form 990

Working Capital Ratio

0.86 years


Determines how long a charity could sustain its level of spending using its net available assets, or working capital, as reported on its most recently filed Form 990. We include in a charity's working capital unrestricted and temporarily restricted net assets, and exclude permanently restricted net assets. Dividing these net available assets in the most recent year by a charity's average total expenses, yields the working capital ratio. We calculate the charity's average total expenses over its three most recent fiscal years.


Source: IRS Form 990

Program Expense Growth

2.65%


We compute the average annual growth of program expenses using the following formula: [(Yn/Y0)(1/n)]-1, where Y0 is a charity's program expenses in the first year of the interval analyzed, Yn is the charity's program expenses in the most recent year, and n is the interval of years passed between Y0 and Yn.


Source: IRS Form 990

Governance


Charity Navigator looks to confirm on the Form 990 that the organization has these governance practices in place.


Sources Include: IRS Form 990

Governance:
Independent Voting Board Members  ... (More)
No Material Diversion of Assets ... (More)

A diversion of assets – any unauthorized conversion or use of the organization's assets other than for the organization's authorized purposes, including but not limited to embezzlement or theft – can seriously call into question a charity's financial integrity. We check the charity's last two Forms 990 to see if the charity has reported any diversion of assets. If the charity does report a diversion, then we check to see if it complied with the Form 990 instructions by describing what happened and its corrective action. This metric will be assigned to one of the following categories:

  • Full Credit: There has been no diversion of assets within the last two years.

  • Partial Credit: There has been a diversion of assets within the last two years and the charity has used Schedule O on the Form 990 to explain: the nature of the diversion, the amount of money or property involved and the corrective action taken to address the matter. In this situation, we deduct 7 points from the charity's Accountability and Transparency score.
  • No Credit: There has been a diversion of assets within the last two years and the charity's explanation on Schedule O is either non-existent or not sufficient. In this case, we deduct 15 points from the charity's Accountability and Transparency score.
(Less)
Audited Financials Prepared by Independent Accountant ... (More)

Audited financial statements provide important information about financial accountability and accuracy. They should be prepared by an independent accountant with oversight from an audit committee. (It is not necessary that the audit committee be a separate committee. Often at smaller charities, it falls within the responsibilities of the finance committee or the executive committee.) The committee provides an important oversight layer between the management of the organization, which is responsible for the financial information reported, and the independent accountant, who reviews the financials and issues an opinion based on its findings. We check the charity's Form 990 reporting to see if it meets this criteria.

  • Full Credit: The charity's audited financials were prepared by an independent accountant with an audit oversight committee.

  • Partial Credit: The charity's audited financials were prepared by an independent accountant, but it did not have an audit oversight committee. In this case, we deduct 7 points from the charity's Accountability and Transparency score.
  • No Credit: The charity did not have its audited financials prepared by an independent accountant. In this case, we deduct 15 points from the charity's Accountability and Transparency score.
(Less)
Does Not Provide Loan(s) to or Receive Loan(s) From Related Parties ... (More)
Documents Board Meeting Minutes ... (More)
Distributes 990 to Board Before Filing ... (More)
Compensates Board ... (More)

Policies


Charity Navigator looks to confirm on the Form 990, or for some metrics on the charity's website, that the organization has these policies in place.


Sources Include: IRS Form 990 and organization's website

Policies:
Conflict of Interest  ... (More)
Whistleblower ... (More)
Records Retention and Destruction ... (More)
CEO Compensation Process ... (More)
Donor Privacy ... (More)

Donors have expressed extreme concern about the use of their personal information by charities and the desire to have this information kept confidential. The exchanging and sale of lists for telemarketing and the mass distribution of "junk mail," among other things, can be minimized if the charity assures the privacy of its donors. Privacy policies are assigned to one of the following categories:

  • Yes: This charity has a written donor privacy policy published on its website, which states unambiguously that (1) it will not share or sell a donor's personal information with anyone else, nor send donor mailings on behalf of other organizations or (2) it will only share or sell personal information once the donor has given the charity specific permission to do so.

  • Opt-out: The charity has a written privacy policy published on its website which enables donors to tell the charity to remove their names and contact information from lists the charity shares or sells. How a donor can have themselves removed from a list differs from one charity to the next, but any and all opt-out policies require donors to take specific action to protect their privacy.
  • No: This charity either does not have a written donor privacy policy in place to protect their contributors' personal information, or the existing policy does not meet our criteria.

The privacy policy must be specific to donor information. A general website policy which references "visitor" or "user" personal information will not suffice. A policy that refers to donor information collected on the website is also not sufficient as the policy must be comprehensive and applicable to both online and offline donors. The existence of a privacy policy of any type does not prohibit the charity itself from contacting the donor for informational, educational, or solicitation purposes.

(Less)

Transparency


Charity Navigator looks to confirm on the Form 990, or for some metrics on the charity's website, that the organization makes this information easily accessible.


Sources Include: IRS Form 990 and organization's website

Transparency:
CEO Salary Listed on 990 ... (More)
Board of Directors Listed on Website ... (More)
Key Staff Listed on Website ... (More)
Audited Financial Statements on Website ... (More)
Form 990 Available on Website ... (More)

Additional Information

Unscored

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Total Revenue and Expenses

Total Revenue and Expenses

This chart displays the trend of revenue and expenses over the past several years for this organization, as reported on their IRS Form 990.

Salary of Key Persons

Presented here are up to five of this organization's highest compensated employees. This compensation data includes salary, cash bonuses, and expense accounts and is displayed exactly how it is reported to the IRS. The amounts do not include nontaxable benefits, deferred compensation, or other amounts not reported on Form W-2. In some cases, these amounts may include compensation from related organizations. Read the IRS policies for compensation reporting



CATHERINE STECK MCMANU, PRESIDENT & CEO

$174,327


LEIGH A NEWTON, VICE PRESIDENT OF CONSTRUCTION

$111,650


GREG ALLEN-ANDERSON, CHIEF PROGRAM OFFICER

$103,829


JENNIFER GALLAGHER, COO

$80,884


ANDREW FISHER, BOARD MEMBER

$0


Source: IRS Form 990 (page 7), filing year 2020

Business Master File Data

Below are some key data points from the Exempt Organization IRS Business Master File (BMF) for this organization. Learn more about the BMF on the IRS website


Activities:

Other religious activities (BMF activity code: 029)

Low-income housing (BMF activity code: 380)


Foundation Status:

Organization which receives a substantial part of its support from a governmental unit or the general public   170(b)(1)(A)(vi) (BMF foundation code: 15)


Affiliation:

Independent - the organization is an independent organization or an independent auxiliary (i.e., not affiliated with a National, Regional, or Geographic grouping of organizations). (BMF affiliation code: 3)

Data Sources: IRS Forms 990

The Form 990 is a document that nonprofit organizations file with the IRS annually. We leverage finance and accountability data from it to form Encompass ratings. Click here to view this organization's Forms 990 on the IRS website (if any are available).

Pandemic Response

This organization was impacted by COVID-19 in a way that effected their financial health in 2020. This normally would have reduced their star rating. Due to the unprecedented nature of the pandemic, we give charities such as this one the opportunity to share the story of COVID's impact on them, and doing this pauses our revision of their rating. Charities may submit their own pandemic responses through their nonprofit portal.


Habitat for Humanity Greater Orlando & Osceola County reported being impacted by COVID-19 in the following ways:
  • Program Delivery

  • Fundraising Capacity

  • Revenue

  • Staffing

  • Administrative Capacity

  • Grants Received


How COVID-19 impacted the organization's operations financially:

COVID-19 caused a decrease in donations due to uncertainty in the economy. For example, our annual fundraising event was severely impacted, seeing a decrease of $235,000 compared to the previous year. In addition, there was a decline in corporate gifts-in-kind, such as appliances, due to the economy and supply chain disruptions. We experienced revenue losses from the deferment of mortgage payments. COVID required social distancing, therefore our home repairs program was paused, causing the loss of related public revenues. Seven administrative and fundraising employees were let go; employment benefits were cut, and wage increases were eliminated. We received support from the Payroll Protection Program, which prevented further layoffs and financial shortfalls. The agency has experienced a full financial recovery, has reached pre-pandemic construction and service levels and is on a trajectory to exceed those levels in 2021 and 2022.


How COVID-19 impacted the organization's delivery of programs:

Due to revenue decreases and increased lumber and supply costs, we could not provide new homes for the 26 families we budgeted for. But in the middle of the pandemic, 17 families moved into their new Habitat homes. We had to postpone our neighborhood repairs program for low income homeowners due to social distancing issues and government delays caused by the pandemic. However, we expanded our virtual financial mentoring program and helped dozens of households raise their credit scores. Credit scores impact homebuyer qualifications, and influence other credit terms, insurance rates, and even employment opportunities.


How this organization adapted to changing conditions caused by COVID-19:

All of our case management services, financial and homeownership preparation classes, and our volunteer financial mentoring activities were converted to virtual formats. We produced 16 hours of video classes for our mandatory trainings on financial literacy, foreclosure prevention, understanding mortgages, scam prevention, legal resources, affordable home maintenance, energy efficiency, hurricane and disaster preparedness, and other crucial topics that lead to successful, long-term homeownership. Staff work was transferred to virtual formats, with everyone except construction staff working from home. Thanks to technology that was implemented in 2019, along with some new applications, the transition was extremely fast and efficient. Habitat Orlando & Osceola County’s staff kept productivity levels and morale extremely high despite having to adapt to such unusual circumstances.


Innovations the organization intends to continue permanently after the pandemic:

Our virtual classes and virtual volunteer financial mentoring are extremely popular with our clients and therefore we will retain those services. Many of the new technical systems that have been established have resulted in advantageous operational efficiencies, which will continue to be used. For example, our application system for client services enables applicants to do more with their applications and documentation online; and our virtual meetings are more convenient for them, especially with their busy schedules of work and family.


Historical Ratings

Date PublishedForm 990 FYEOverall ScoreOverall Rating
Rating Version: 2.1
12/1/20202019 85.80
7/1/20192018 91.16
3/1/20192017 96.46
8/1/20182017 93.91

This organization received multiple star ratings within this fiscal year, due to an update to it's Accountability and Transparency data and/or the receipt of an amended Form 990.

11/1/20172016 96.14
11/1/20162015 96.46
6/1/20162014 97.99
Rating Version: 2.0
10/1/20152014 94.73
11/1/20142013 93.15
8/1/20132012 86.98
5/1/20122011 91.74
9/20/20112010 89.04
Rating Version: 1.0
5/1/20112010 88.82
6/1/20102009 87.55
7/1/20092008 87.41
5/1/20082007 90.78
5/1/20072006 75.23
7/1/20062005 59.63
10/1/20052004 76.76

...   Impact & Results


This score estimates the actual impact a nonprofit has on the lives of those it serves, and determines whether it is making good use of donor resources to achieve that impact.


Impact & Results Score

Not Currently Scored

Habitat for Humanity Greater Orlando & Osceola County cannot currently be evaluated by our Encompass Rating Impact & Results methodology because either (A) it is eligible, but we have not yet received data; (B) we have not yet developed an algorithm to estimate its programmatic impact; (C) its programs are not direct services; or (D) it is not heavily reliant on contributions from individual donors.

Note: The absence of a score does not indicate a positive or negative assessment, it only indicates that we have not yet evaluated the organization.

Learn more about Impact & Results.

Do you work at Habitat for Humanity Greater Orlando & Osceola County? Join the waitlist for an updated Impact & Results score.


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Additional Information

Unscored

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Largest Programs

Largest Programs



Habitat for Humanity Greater Orlando & Osceola County reported its three largest programs on its FY 2020 Form 990 as:


$4,798,684

Spent in most recent FY

86%

Percent of program expenses


NEW HOME CONSTRUCTION: A HOME INFLUENCES ALL ASPECTS OF A FAMILY'S LIFE FROM EDUCATION TO HEALTH, STABILITY AND MUCH MORE. FOR THIS REASON, WE BELIEVE THAT EVERYONE DESERVES A SAFE, STABLE PLACE TO LI ... (More)


$436,778

Spent in most recent FY

7%

Percent of program expenses


HOMEBUYER EDUCATION AND COUNSELING: HOMEBUYER EDUCATION CLASSES EMPOWER HOMEOWNERS TO HAVE THE KNOWLEDGE AND RESOURCES TO BE FINANCIALLY STABLE AND READY FOR HOMEOWNERSHIP. BEFORE A HOMEOWNER PURCHASE ... (More)


$306,596

Spent in most recent FY

5%

Percent of program expenses


(SEE SCHEDULE O FOR DETAILS)


...   Leadership & Adaptability


This score provides an assessment of the organization's leadership capacity, strategic thinking and planning, and ability to innovate or respond to changes in constituent demand/need or other relevant social and economic conditions to achieve the organization's mission.


Leadership & Adaptability Score

100

out of 100

The score earned by Habitat for Humanity Greater Orlando & Osceola County is a passing score.

Encompass Rating V4 provides an evaluation of the organization's Leadership & Adaptability through the nonprofit organization submitting a survey response directly to Charity Navigator.


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Leadership & Adaptability Report

100

of 100 points

Mission

The nonprofit organization presents evidence of strategic thinking through articulating the organization’s mission


Seeking to put God's love into action, Habitat for Humanity Greater Orlando & Osceola County brings people together to build homes, communities, and hope. We empower low income families and individuals to achieve economic mobility through safe, affordable homeownership. Since 1986 we have been constructing, rehabilitating, and preserving homes; advocating for fair and just housing policies; and providing training and access to resources to help families gain and sustain long term housing stability. With thousands of volunteers and funding partners we have built entire subdivisions of quality, energy efficient homes and townhomes that low income first-time homeowners purchase with very affordable mortgages. We have helped thousands of Central Florida men, women and children achieve the lifelong benefits of homeownership including financial and housing stability, better education, improved health and childhood development, and new opportunities for generations to come.


Source: Nonprofit submitted responses

Vision

The nonprofit organization presents evidence of strategic thinking through articulating the organization’s vision.


We believe that everyone deserves a safe, secure place to live. Homeownership has shown to be the best way to reduce childhood poverty, improve overall health, lay the groundwork for positive school experiences and higher educational achievements, result in better employment opportunities, and generate inter-generational wealth-building. For that reason, we are dedicated to enabling those who can't purchase a home through traditional means, to do so with a new Habitat home and a truly affordable mortgage.


Source: Nonprofit submitted responses

Strategic Goals

The nonprofit organization presents evidence of strategic thinking and goal setting through sharing their most important strategic goals.


Goal One: Champion favorable housing policies at all levels. Amplify our leadership position.

Goal Type: This goal reflects our commitment to further our advocacy work for our organization and or cause area.


Goal Two: Achieve best practices in all areas of operation. Create strategic partnerships. Ensure fair access and opportunities. Grow through innovation, quality and efficiency.

Goal Type: Grow, expand, scale or increase access to the existing programs and services.


Goal Three: Mobilize community to serve as hearts, hands and voices for our mission. Increase fundraising revenue to support the mission.

Goal Type: Invest in the capacity of our organization (financial, management, technical, etc.).


Source: Nonprofit submitted responses

Leadership Development

The nonprofit provides evidence of investment in leadership development


Describe an investment in leadership

Two executives at Habitat Orlando & Osceola achieved Master's level certificates in project management in the last 12 months. Our CEO and Vice President of Program Services are in the midst of very high level leadership development activities as part of Bank of America's Neighborhood Builders award which was received by this organization in 2020.

Source: Nonprofit submitted responses

Mobilizing for Mission

The nonprofit provides evidence of leadership through focusing externally and mobilizing resources for the mission.


This organization mobilizes for mission in the following ways:
  • Strategic Partnerships

  • Networks of Collective Impact Efforts

  • Thought Leadership

  • Raising Awareness

  • Community Building

  • Policy Advocacy

What are this organization’s external mobilizaton efforts?

Our CEO, V.P. of Construction and Planning, and Chief Program Officer are all on local and regional government and private boards and task forces leading our region's efforts to expand affordable housing. Staff have presented at housing conferences and agency has recently published a formal Position Paper on the Affordable Housing crisis and how to eliminate it. Our Neighborhood Revitalization program held trainings on neighborhood leadership to improve communities. We are currently collaborating with 5 nonprofits competing for a $7.5M grant to increase net homeownership in a local region by 5,000 new homeowners who are Black, Indigenous and People of Color. We are continuously advocating and working with local, state and federal policy makers on increasing affordable housing, and raising awareness of the issue daily through social media.

Source: Nonprofit submitted responses

Story of Adaptability

The nonprofit has an opportunity to tell the story of how the organization adapted to tremendous external changes in the last year.


All of our case management services, financial and homeownership preparation classes, and our volunteer financial mentoring activities were converted to virtual formats. We produced 16 hours of video classes for our mandatory trainings on financial literacy, foreclosure prevention, understanding mortgages, scam prevention, legal resources, affordable home maintenance, energy efficiency, hurricane and disaster preparedness, and other crucial topics that lead to successful, long-term homeownership. Staff work was transferred to virtual formats, with everyone except construction staff working from home. Due to technology that was implemented in 2019, along with some new applications, the transition was extremely fast and efficient. Habitat Orlando & Osceola County’s staff kept productivity levels and morale extremely high despite having to adapt to such unusual circumstances.

Source: Nonprofit submitted responses

...   Culture & Community


This score provides an assessment of the organization's engagement with the constituents it serves, a practice we term Constituent Feedback. When organizations listen to constituents, they are able to better deliver on programs and meet the needs of stakeholders. A future version of this Beacon will also assess an organization's people operations and its Diversity, Equity and Inclusion (DEI) metrics.


Culture & Community Score

100

out of 100

The score earned by Habitat for Humanity Greater Orlando & Osceola County is a passing score.

Encompass Rating V4 provides an evaluation of an organization's Culture and Community by measuring its Constituent Feedback practices (see report below). Constituent Feedback data provides 100% of the basis for the initial evaluation of the Culture & Community Beacon.


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Culture & Community Report

100

of 100 points

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Constituent Feedback

Constituent Feedback

Full Credit


This organization reported that it is collecting feedback.


Here's how this organization is listening and learning from the people they serve:


How is your organization collecting feedback from the people you serve?

Electronic surveys (by email, tablet, etc.), Paper surveys, Case management notes, Community meetings or town halls


How is your organization using feedback from the people you serve?

To identify and remedy poor client service experiences, To identify bright spots and enhance positive service experiences, To make fundamental changes to our programs and/or operations, To inform the development of new programs/projects, To identify where we are less inclusive or equitable across demographic groups, To strengthen relationships with the people we serve


With whom does your organization share the feedback you got from the people you serve?

The people we serve, Our staff, Our board, Our funders, Our community partners


What challenges does your organization face in collecting feedback from the people you serve?

It is difficult to get the people we serve to respond to requests for feedback, Other means


Briefly describe a recent change that your organization made in response to feedback from the people you serve.

Recently, we began a financial literacy and homeownership mentoring program. Trained volunteer mentors work with clients virtually to help them for up to 12 months to qualify for homeownership, raise credit scores, pay down debt, save money and other beneficial financial activities and habits. We also responded to clients' requests to provide more virtual orientations, trainings and workshops.



Methodology


Charity Navigator believes nonprofit organizations that engage in inclusive practices, such as collecting feedback from the people and communities they serve, may be more effective. We've partnered with GuideStar by Candid to survey organizations about their feedback practices. Nonprofit organizations can fill out the How We Listen section of their Candid profile to receive a rating.


Charity Navigator awards full credit for this Beacon to every nonprofit that is eligible for an Encompass Rating that completes the survey, in recognition of their willingness to publicly share this information with the nonprofit and philanthropic communities. This data is not evaluated for quality at this time. Validation will be added in future iterations of this Beacon.

Analysis and Research


Like the overall Encompass Rating System, the Culture & Community Beacon is designed to evolve as metrics are developed and ready for integration. Our partnership with Feedback Labs and Guidestar by Candid, and other partners including Fund for Shared Insight, GlobalGiving, and Keystone Accountability, enables us to launch the first version of this beacon with Constituent Feedback information collected on Candid's site.


Feedback practices have been shown to support better Diversity, Equity, and Inclusion outcomes, an essential area of assessment that we intend to further expand and develop in the future. Feedback Labs has documented several studies which indicate that beyond achieving organizational goals, nonprofits that are attentive and responsive to concerns and ideas raised by beneficiaries establish stronger relationships with the people they serve, promote greater equity, and empower constituents in ways that can help to ensure better long-term outcomes. You can find resources to help nonprofits improve their feedback practices here.

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