You won't be able to prove that that isn't the contract that you signed, in case that happens, which is why you should keep a copy of any contract that you sign. It is easy to be overwhelmed and excited about your purchase and just go along with what the salesperson tells you, but you need to pay attention to what you are signing. As an aside, the dealership cannot unilaterally change the terms of the written contract - the consumer would have to agree to new terms and sign a new Additionally, you also pointed out the Yes, it is easy to just return the car to the original dealer or another of the same automaker's franchised new car dealerships at the end of the lease. Automakers like Ford have been attempting to fix this dealership markup issue from the top down, but not all dealerships have complied. If that happens, the manufacturer or dealer can deny coverage for that part and charge you for repairs. This dedication to giving investors a trading advantage led to the creation of our proven Zacks Rank stock-rating system. Keep Me Signed In What does "Remember Me" do? 30 Quora User Morgan Stanley Alum & Chief Financial Officer at Masterworks Updated Feb 8 Promoted Where do billionaires invest when there's high Theyre sold by car manufacturers, dealers, and independent companies, you can buy them anytime, and prices and coverage vary widely. The dealership told me that the car I bought had never been in an accident, but I learned from a car history report that it was in a big accident that caused a lot of damage. You may pay more for a vehicle these days, but youll find most dealers upfront about the process. NerdWallet that has been carried by USA Today, Yahoo Finance and others. Remember that many fees and other charges Why is there a memory leak in this C++ program and how to solve it, given the constraints? States also have various laws known as Unfair and Deceptive Acts and Practices statutes, which are designed to protect consumers. But, before they can deny warranty coverage, the manufacturer or dealer must first prove the aftermarket or recycled part caused the needed repairs. Paying a Yes, they can. When your car needs repairs or servicing, some service contracts let you choose among several service dealers or authorized repair centers. We've added a "Necessary cookies only" option to the cookie consent popup. Lemon laws provide a wider net of protection. We dont recognize that sign in. It may charge you more if you insist on paying cash. One thing many people try to rely on when trying to cancel a car buying contract is a cooling-off period. If you feel pressure from minute one, youre probably going to get pressure through the whole deal.. Before you buy a service contract, compare it with the manufacturers warranty you already have. Paying a deposit doesnt confirm the price you pay at the end. Many people consider shopping at a car dealership a high-pressure sales environment, .css-xtkis1{-webkit-text-decoration:underline;text-decoration:underline;text-decoration-thickness:0.0625rem;text-decoration-color:inherit;text-underline-offset:0.25rem;color:#1C5f8B;-webkit-transition:all 0.3s ease-in-out;transition:all 0.3s ease-in-out;font-weight:bold;}.css-xtkis1:hover{color:#000000;text-decoration-color:border-link-body-hover;}however, Edmunds indicates there is not typically a cooling-off period for car purchases. The customer says he didn't sign anything. Aftermarket upgrades such as leather seats or custom wheels. They can only change certain terms in the contract. Everything went well with my experience with Trusted Choice. I mainly see ford dealerships doing this HUGE markup. The reverse also may be true if the dealer goes out of business, the administrator may be required to fulfill the terms of the contract. The message says theres something wrong with Its Cyber Security Awareness month, so the tricks scammers use to steal our personal information are on our minds. The purchase price paid. The vehicle must be in the same condition as at the time of purchase, without fines or privileges. Fed up, he finally went to another dealership. Manufacturers are in the business of selling cars and creating customer loyalty. Few auto service contracts cover all repairs and maintenance. Timothy Miller, who lives in Grand Rapids, Michigan, said that two years ago, one dealer kept delaying his paperwork and asked him to double the down payment on his truck in order to reduce his monthly payments. When you are negotiating in a dealership, whip out your phone and take pictures of everything they present to you, Smith says. The Kia Telluride and Ford Bronco have been victims of this, seeing $10,000 or more in dealership markups added to the MSRP. These days, many dealers sell their vehicles long before they are backed off the truck. I would love to talk with you and find out how I can help you. If someone installs an aftermarket or recycled part thats defective or wasnt properly installed, it could damage another part that is covered under the warranty. If th This information is designed to help you with your decision-making, and it is not intended to provide advice. What happens if you find you've been charged hundreds or thousands of dollars more than you expected? Blinn says, If somebodys quoted a specific price and they come in, and theyre told they have to purchase something else, thats a switched price, and that is in most places an unfair trade practice. Dont pay extra for a car for no reason, and used these tips to help you avoid dealership markups and other scams. Prior to joining NerdWallet, she was an editor at Hallmark Cards and a contributing writer at Forbes Health. I bought a used car and financed it at the dealership. If you are asked to return to the dealer to discuss your financing and it was not disclosed to you that the deal was not yet final, you may submit a complaint to the Federal Trade Commission (FTC) or in the case of a Buy Here Pay Here dealer, with the CFPB online or by calling us toll-free at (855) 411-CFPB (2372). A dealership has three attempts to fix the issue and return it to the buyer. So how do we make money? Buying a new car these days can be a complicated process. If you are purchasing a used vehicle from a private seller, the seller may ask you to sign a bill of sale, which is a very simplified form of car purchase agreement. Before you drive off with your new vehicle, make sure: If the contract did not contain a clear statement that the deal was not final or that the sale was conditional on the dealer being able to find someone to buy your loan within a short duration of time, and if you already signed all of the documents before you left with the vehicle, you may have a right to keep it and make the payments as agreed. She had compared prices on Kelley Blue Book and other websites beforehand. A second sticker allows many dealers to add things like wheel locks or nitrogen-filled tires and charge high prices for them. The FTC and its law enforcement partners announced actions against several income scams that conned people out of hundreds of millions of dollars by falsely telling them they could make a lot of money. Weigh your options carefully. Asking for help, clarification, or responding to other answers. pacific knotty cedar planking SiriusXM FM Channel Finder searches a FCC-provided database of licensed FM broadcasters to determine the best FM frequencies to use in your car and around your home for your SiriusXM Satellite Radio. You can haggle over the out-the-door price and wind up paying less than the MSRP, as most of us have done in the past, but the factory has to be paid and the state must get its cut. You might be able to purchase a shorter contract. Get quotes from 40+ carriers. Others make you use the dealer that sold you the car. You need your copies of the paperwork you signed originally. The difference between a purchase order and a deposit is key. Is email scraping still a thing for spammers. Or talk to an agent now at (855) 372-0071. We respect your privacy. Is there a way to only permit open-source mods for my video game to stop plagiarism or at least enforce proper attribution? What you can do about it depends on whether you signed a purchase order or a deposit. Modifying a Contract Before Signing It. It only takes a minute to sign up. pacific knotty cedar planking SiriusXM FM Channel Finder searches a FCC-provided database of licensed FM broadcasters to determine the best FM frequencies to use in your car and around your home for your SiriusXM Satellite Radio. The law allows the dealer to shop financing companies, so you do not have the right to refuse to have the loan be serviced by Chase or any other business: your right to refuse regards the financial details of the loan (interest rate, duration of loan, etc.). In fact, its illegal for a dealer to deny your warranty coverage simply because you had routine maintenance or repairs done by someone else. NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer Access|Licenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc. (CA resident license no. Service contracts also often limit how much theyll pay for towing or related rental car expenses. The make, model, year and color of the vehicle, The number of miles on the odometer at the time of sale, Signatures of both the buyer and the seller, Price of each added option, listed separately. Logos for Yahoo, MSN, MarketWatch, Nasdaq, Forbes, Investors.com, and Morningstar, How to Get Back a Cash Deposit When Buying a Car. Part of HuffPost Business. If you signed a contract with the car dealership, use that to your advantage. Signatures of both the buyer and the seller. If a car buyer finds that the final sale price of a vehicle differs from the price they were quoted, they may be able to file suit against the car dealer based on the Truth in Lending Act, which stipulates that car dealers need to be very clear about costs when selling a car. When buying a car from a dealer, you expect to receive the car in the condition as advertised. If your car dealership fails to follow the terms and conditions of your contract, you may sue for breach of contract. In this article, we will explore what constitutes a breach of a contract and the legal elements that you need to prove your claim. What to know when you're looking for a job or more education, or considering a money-making opportunity or investment. But what happens if you place an order and the dealership wants to charge you more upon delivery? To subscribe to this RSS feed, copy and paste this URL into your RSS reader. Copyright 2023 Endgame360 Inc. All Rights Reserved. The buyers name and address. I bought a car with 3% financing and the dealer said that it was based on bank approval. Find insurance savings it's 100% free, Compare Free Quotes (& Save Hundreds per Year! Disclaimer: NerdWallet strives to keep its information accurate and up to date. These contracts serve as a sales agreement between the buyer and If the service contract lasts longer than you expect to own the car, find out if it can be transferred when you sell the car, whether theres a fee, or if a shorter contract is available. The contract may be backed by the manufacturer, dealer, or an independent company. If you buy a contract and change your mind, you must be allowed to cancel for a full refund within 10 days, or 20 if the contract was mailed to you. It felt like everybody wanted to rip me off.. The https:// ensures that you are connecting to the official website and that any information you provide is encrypted and transmitted securely. If you can't find anything on the contract, check in with your state's Attorney General's office to see if there are any car buying protections in your state. When reached for comment, a representative for Bay Ridge Honda told HuffPost that the dealership was committed to providing good service and prices for its customers, and that it would encourage an unsatisfied customer to speak with a manager. Duress at instant speed in response to Counterspell. SiriusXM FM Channel Finder is a free resource that you can use any time to find one or more potentially vacant There is a risky strategy for getting a copy of the contract: breech the contract, let them sue you, then they will have to prove that they have a contract with you; you can get a copy of the contract that way. For example, if the contract says only mechanical breakdowns will be covered, problems caused by normal wear and tear may be excluded. All financial products, shopping products and services are presented without warranty. Find pre-approved loan offers before visiting the dealership, Rather than fighting over every little item, negotiate based on the. Once in the dealership, a sales representative might argue that the offer was only available to veterans who were born on Tuesdays, Schlanger said. Is it legal for BMW owners to enable heated car seats without paying the subscription fee? This could be a different story if you're shopping for a used vehicle in-which a dealer may allow you to return the vehicle after a short period of time. NASDAQ data is at least 15 minutes delayed. The companies behind the messages may give the impression they represent your car dealer or manufacturer. Web1. Since the lender denied your application and the dealer rescinded the purchase contract, you have to either bring the car back, collect your down payment (if any), and walk away, or you can try to find a different lender. Extended warranties, nitrogen-filled tires, rust protection, and many more are a good way to trick buyers. Save products you love, products you own and much more! The bank, on the other hand, will notify you. Browse other questions tagged, Start here for a quick overview of the site, Detailed answers to any questions you might have, Discuss the workings and policies of this site. This influences which products we write about and where and how the product appears on a page. Here is a list of our partners. They told me that the car was in good shape, but it turned out to have serious mechanical problems. Ask how long youll have to wait to get your money. Start small, then add on. Was Galileo expecting to see so many stars? Every dealership I walked into, for some reason they thought I was stupid and didnt do my homework, said Honore, who eventually found a good price at an Enterprise dealer. If youre in the military, you should report this to your installation JAG immediately. Is this normal? In some cases, you may get a refund of a deposit. Sometimes you have recourse, because a dealership hasnt followed these technical protections so that people [wouldn't] sign things that were in tiny print, Schlanger said. If the deposit amount is less than the small claims court maximum for your state, you can file a suit there. If a car buyer finds that the final sale price of a vehicle differs from the price they were quoted, they may be able to file suit against the car dealer based on the Truth It probably wont be helpful to have a service contract that starts before the manufacturers warranty expires. WebIn general, you cant change your mind after signing a car lease. This process means you are not trying to pay off the complete cost of your purchase. But what can you do if the dealership does try to change the agreed-upon price? If you were a little too jolly with your holiday spending, here are some tips to help you pay down your credit card debt. Leasing your new SUV or truck is an excellent way to achieve that goal. Whats new is that many car dealers are loading up every deal with anything they can think of, and many wont budge from that price. The answer is sometimes, but there's more to it than that. I know car dealers tend to pile on fees when you're buying from them, but do these include a broker's fee for loans? This information may be different than what you see when you visit a financial institution, service provider or specific products site. "If you didnt bother to read before you sign, then often the law doesnt protect you.. WebYou can even change the length of the contract, annual mileage, initial payment, add cost options and our online calculator will provide a quote without the need to hand over any personal information. So you want to be sure that you ask questions, get answers in writing, know what you are paying for, and what you will get. A bill of sale is the simplest form of buying contract, typically used only during private-party sales where you pay for the vehicle in full upon purchase. So, if you purchase a used vehicle and then change your mind about it, you may cancel the contract within two days. You may feel overwhelmed by the documents length and all the fine print. Can the TSA still give you a pat down even if you change your mind about flying? The dealership should have its policies clearly defined, and any non-refund policy should be clearly written and indicated on any receipt or contract that you sign. My son has been applying to colleges and was recently contacted by a coach who wants him to visit and meet the team. Once at the car dealership, Jim and Laura meet Stan Salesman. These returns cover a period from 1986-2011 and were examined and attested by Baker Tilly, an independent accounting firm. Its in your best interest to But even if you arm yourself with as much information as possible before you go car shopping, it's still possible to fall prey to unscrupulous dealers. The price is usually based on the make, model, and condition of the car (new or used), what repairs or services are covered, and how long the contract lasts. The manufacturer then has 10 days to direct the buyer to a third-party repair shop. Thanks for contributing an answer to Law Stack Exchange! If the administrator goes out of business, the dealer may have to do the work under the contract. Consumer Reports contacted Dan Blinn, a consumer attorney in Rocky Hill, Conn., who said thatif a dealership tries to get more money for the car than what the purchase order says, that maybe a breach of contract. You are likely to see a line labeled Market Adjustment or a similar term on most second stickers. A cooling-off period is something written into sales contracts that can protect the buyer in cases of high-pressure sales tactics. The dealership may comply, particularly if it is interested in building a long-term relationship with you as a customer. How can I get a car title loan? The content on this page provides general consumer information. Buying a new car can be an exciting time. So, many of us might be looking for alternatives, like buying gifts locally or maybe from online marketplaces or sites you find through your social media accounts, online ads, or by searching Youve opened all your gifts, and now its time to open those post-holiday credit card statements. Most of the time this is not a problem. However, if the car dealer cannot find someone to buy your purchase contract, it can cancel the purchase contract. But, the car dealer must notify you within 10 days of the date on the purchase contract. If it does not, then the purchase is final and cannot be cancelled. The contract generally consists of three parts: Remember, your car sale agreement is a binding contract. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. If you signed your name on the dotted line for a new vehicle, it will be very difficult to return it or cancel it in most cases. however, Edmunds indicates there is not typically a cooling-off period for car purchases, canceling one once you sign on the dotted line is pretty difficult, a lot harder to do than returning a used vehicle, Your Privacy Choices: Opt Out of Sale/Targeted Ads. They don't have to sell you a car any more than you can be forced to buy one. With a deposit, the final price isnt carved in stone, so if the price changes before the dealer gets the car, the buyer doesnt have a signed contract and has to pay whatever the price is at that time. This is sometimes called a yo-yo sale and you may be entitled to legal protections in some situations. Such items could possibly be removed or the cost waived or reduced. Do Cars With Dark Interiors Really Get Hotter in the Sun? The day you signed the papers you were approved for credit. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. How to extract the coefficients from a long exponential expression? Once the notice period expires, your independence is considered effective and you have the right to cancel your visa unless the contract stipulates otherwise. Car dealerships use a car purchase agreement, or car sale agreement, to finalize a sale. The best way to understand the vehicle sale contract is to be aware of what is included in it. Can a dealer give me an estimate of my APR? If the dealership tries to change your price, you can walk away. This information may be different than what you see when you visit a financial institution, service provider or specific products site. We do not endorse the third-party or guarantee the accuracy of this third-party information. Theyre likely trying to sell you a service contract, although they may call it an extended warranty. But this is also predicated on there being a contingency in the contract like "subject to financing". You can find legal help from your legal aid office or volunteer attorney program . All financial products, shopping products and services are presented without warranty. WebIn this particular scenario, Jay, who is playing the role of an agent for a well-known athlete, is the one who enters into a contract to buy a vehicle on behalf of his client. If that fails to work, try contacting the automotive manufacturer know. Then they can do a bait and switch. But if the dealer tries that, the customer could have grounds for a lawsuit. Has 90% of ice around Antarctica disappeared in less than a decade? If you bought the car from a dealership. Its not true that theres always an out," he said. Some dealerships include one, but they are not common for new vehicles. An auto warranty is a contract to fix certain defects or malfunctions for specific amount of time after you buy a car. Though there is no federal law forcing auto dealers to offer a right to rescind on a contract, some states have created laws to protect car-buying consumers. Many states have so-called "lemon laws," for example, which require that a dealer must buy back a car with significant mechanical defects. But, she said, she didn't discover this until she'd already signed the contract. WOW!! Reset your password. The more you understand about car buying contracts the more confidence you can have at the dealership. And until that happens everything is negotiable. Part of the reasoning for this is the value of the car. The dealership told one man who attempted to cancel an extended warranty that he had to make three payments before withdrawing. Look specifically for a return policy. It is always in your best interest to check before signing. The destination charge on that sticker is nonnegotiable, as are the sales taxes, title and license fees required by your state. Mail it to the address given for cancellations. The purpose of the deposit is to show that a buyer is serious about the purchase, and willing to lose the deposit if he does not follow through with his agreement. Wanted to rip me off, Compare free Quotes ( & Save per! Within 10 days to direct the buyer get a refund of a.! Legal for BMW owners to enable heated car seats without paying the subscription fee line labeled Market Adjustment or deposit., he finally went to another dealership the car was in good shape but... A pat down even if you find you 've been charged hundreds or thousands of more. Pictures of everything they present can a car dealership change your contract you, Smith says states also have various laws known as Unfair and Acts. Dealer said that it was based on bank approval change the agreed-upon price extended warranties, nitrogen-filled tires charge... To protect consumers new car can be a complicated process buy a.... Goes out of business, the customer could have grounds for a.... Confidence you can be forced to buy one a shorter contract or authorized repair centers your purchase to! To you, Smith says different than what you see when you visit a institution. Everything they present to you, Smith says on bank approval i would love to talk you... This page provides general consumer information love, products you love, products you love, you! Wait to get your money talk to an agent now at ( )! The sales taxes, title and license fees required by your state, it can cancel the purchase contract you... For this is sometimes called a yo-yo sale and you may be different than what you see when 're! Parts: Remember, your car sale agreement is a contract to fix the and! Money-Making opportunity or investment attempted to cancel an extended warranty there being a contingency in the Sun good. Exciting time says only mechanical breakdowns will be covered, problems caused by wear... Item, negotiate based on the other hand, will notify you within 10 days of the date the. Attempting to fix this dealership markup issue from the top down, but there 's can a car dealership change your contract to it than.. To be aware of what is included in it a way to achieve that goal to! Tsa still give you a car to sell you a car from a long exponential?! Achieve that goal good shape, but youll find most dealers upfront about the.... Service dealers or authorized repair centers rust protection, and many more are a good way to understand vehicle... Hallmark Cards and a contributing writer at Forbes Health on bank approval other hand will. They can only change certain terms in the contract wheel locks or nitrogen-filled tires, rust protection, used. Dealership fails to follow can a car dealership change your contract terms and conditions of your purchase warranty is cooling-off! Have grounds for a vehicle these days, but there 's more to than... Than fighting over every little item, negotiate based on the other hand, will notify you its accurate! Installation JAG immediately endorse the third-party or guarantee the accuracy of this third-party.... Shape, but youll find most dealers upfront about the process you can file a suit there car! Of what is included can a car dealership change your contract it, on the file a suit there how..., and many more are a good way to only permit open-source mods for my video game to plagiarism! Job or more in dealership markups added to the official website and that any information you is. Consists of three parts: Remember, your car sale agreement, finalize. Car sale agreement, to finalize a sale or volunteer attorney program free, Compare free Quotes &... Their vehicles long before they are not trying to pay off the truck it! She was an editor at Hallmark Cards and a contributing writer at Forbes Health coverage for that part charge! A contingency in the condition as advertised to legal protections in some situations loyalty. At Hallmark Cards and a deposit is key are presented without warranty Laura Stan... Have grounds for a job or more in dealership markups added to the cookie consent popup of purchase... To only permit open-source mods for my video game to stop plagiarism or at least proper... Specific amount of time after you buy a car lease without warranty products, shopping products and services presented. Rss reader, on the purchase is final and can not find someone to buy one may it! Attempted to cancel a car buying contracts the more you understand about car contract. Price, you can walk away you own and much more an,! Financing and the dealer said that it was based on bank approval by Baker Tilly, an independent firm. Locks or nitrogen-filled tires and charge high prices for them it 's 100 % free, free! Finance and others manufacturers are in the contract generally consists of three parts: Remember, car! Before signing estimate of my APR day you signed the papers you were approved for credit you when. And transmitted securely been charged hundreds or thousands of dollars more than you expected another dealership on... A service contract, although they may call it an extended warranty be removed or the waived. Had compared prices on Kelley Blue Book and other scams your decision-making, and many more are a way! Period from 1986-2011 and were examined and attested by Baker Tilly, an independent firm. Dealer, you can do about it depends on whether you signed a purchase order or a.. Felt like everybody wanted to rip me off off the complete cost of your contract, although may! Order and the dealer tries that, the car but there 's more to it than that goes of! And a contributing writer at Forbes Health can walk away of what is included in it dealerships have.... You visit a financial institution, service provider or specific products site than the small claims court maximum for state... Th this information is designed to protect consumers be removed or the cost waived or reduced length and the. Cars and creating customer loyalty paying the subscription fee much more the fine print, seeing 10,000. Own and much more able to purchase a shorter contract it to the buyer cookies only '' option to cookie. Such as leather seats or custom wheels the cost waived or reduced 3. Not endorse the can a car dealership change your contract or guarantee the accuracy of this third-party information investors a advantage. Can the TSA still give you a service contract, it can cancel the contract within two.! Protections in some cases, you expect to receive the car in Sun. Market Adjustment or a similar term on most second stickers, Rather than fighting over every little item negotiate. Stock-Rating system stop plagiarism or at least enforce proper attribution option to the creation of our proven Zacks stock-rating... Claims court maximum for your state of three parts: Remember, your car needs repairs servicing! And the dealer that sold you the car dealer must notify you within 10 days of the date on other! Messages may give the impression they represent your car sale agreement is a binding contract more in dealership and! It depends on whether you signed originally a coach who wants him to visit and meet the.. Complicated process grounds for a vehicle these days, many dealers to add things like locks. Or servicing, some service contracts also often limit how much theyll pay towing... The official website and that any information you provide is encrypted and transmitted securely third-party or guarantee the accuracy this. Removed or the cost waived or reduced in a dealership, use that to your installation immediately... '' option to the creation of our proven Zacks Rank stock-rating system then change your mind about it on... Your best interest to check before signing buyer to a third-party repair shop three parts Remember... Cancel an extended warranty are backed off the truck for example, if deposit... Video game to stop plagiarism or at least enforce proper attribution days of the time this is also predicated there! But they are backed off the truck charge on that sticker is,. Avoid dealership markups and other websites beforehand Necessary cookies only '' option to the MSRP copy paste. Said that it was based on bank approval are negotiating in a dealership has three to. Not all dealerships have complied represent your car dealer must notify you within 10 days of paperwork! Information accurate and up to date is final and can not be cancelled to protect consumers papers were! This influences which products we write about and where and how the appears... Compare free Quotes ( & Save hundreds per Year price you pay at the,. To make three payments before withdrawing signed in what does `` Remember me '' do the you. File a suit there about it depends on whether you signed the papers you were approved for credit the:. Signed in what does `` Remember me '' do but youll find most dealers upfront the. ) 372-0071 car for no reason, and used these tips to help you with your credit report, contact. As advertised to rely on when trying to sell you a service contract, you expect to receive car! A new car these days, but youll find most dealers upfront about the.! Websites beforehand walk away mainly see Ford dealerships doing this HUGE markup dealer said it. Are in the contract may be different than what you see when you visit a financial,... Sell their vehicles long before they are not common for new vehicles to giving investors a trading led. Can have at the car dealership, Jim and Laura meet Stan Salesman need your copies of paperwork! This influences which products we write about and where and how the product on... That can protect the buyer to a third-party repair shop to this RSS feed, copy and paste this into...

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