Credit Card

Clear & Handy, Or “Paradise For Thieves”? – Forbes Advisor UK

Buyers will be capable to spend as much as £100 in a single transaction utilizing a contactless cost debit card from this Friday 15 October, greater than double the present cap of £45.

The restrict for a number of transactions earlier than a card person must enter their PIN can even rise from £130 to £300.

The rise has stoked fears that criminals may take benefit through the use of stolen playing cards to enlarge purchases. One commentator has described the change as a “paradise for thieves”.

In case your card is stolen and used, any cash misplaced will probably be reimbursed to you. However there are nonetheless issues about people being at nice threat of being robbed of their playing cards – so the problem goes past monetary hurt to bodily security.

There’s extra on this beneath – together with methods to cease your card getting used fraudulently whether it is misplaced or stolen.

Plans to extend the one transaction restrict had been introduced on this yr’s Price range in March (there’s a second 2021 Price range on 27 October), partly in response to issues about hygiene points when dealing with money through the pandemic.

Hazard cash

Whereas contactless transactions supply a fast and handy approach to pay, they will additionally present alternative for criminals to commit fraud as they don’t at all times require authentication for cost. This implies anybody with entry to a contactless card or machine can have entry to the related checking account. 

Fears have been expressed that the upper contactless restrict will solely assist to encourage theft. However there are precautions you may take to guard your cash:

  • often examine your financial institution statements and report any uncommon exercise in your account to your financial institution and police scam-busters Motion Fraud
  • use an RFID-blocking pockets or attempt lining your pockets with foil to cease unauthorised gadgets speaking along with your card
  • set your financial institution app to inform you when a cost has been made
  • replace the software program in your contactless machine when prompted.

UK Finance, which represents the UK monetary companies sector, says individuals who lose their playing cards or whose playing cards are stolen ought to report the matter to their financial institution instantly. Anybody struggling loss because of fraud or felony use of their card will probably be totally reimbursed.

Set your personal restrict

Business voices have admitted that older persons are among the many teams which might be prone to be the least protected towards fraud. 

Some banks are permitting their clients to set a decrease contactless restrict, which won’t solely assist to minimise how a lot fraudsters can probably steal, but in addition assist clients handle their spending higher.

Laura Suter at funding agency AJ Bell says the rise within the restrict is a “paradise for thieves”, enabling them to steal tons of of kilos earlier than the cardholder has seen the cardboard is lacking.

She stated: “Financial institution bosses level to the advance of know-how serving to to combat fraud, as some accounts enable individuals to shortly freeze their playing cards utilizing an app if it’s misplaced or stolen. This works for youthful or digitally-savvy clients, however leaves weak clients, some older individuals and the much less digitally savvy out within the chilly.

“For these cautious of the brand new £100 restrict, a handful of banks are permitting individuals to set their very own, decrease contactless restrict. Sadly, not many are providing this and the default will probably be for individuals to be robotically switched to the upper price and must opt-in to a decrease restrict, that means many will sleepwalk right into a £100 restrict with out realising it.”

Halifax, Lloyds and the Financial institution of Scotland will let their clients set their very own restrict between £30 and £95 on debit playing cards, whereas Starling Financial institution can even enable their clients to set a restrict between £10 and £90 utilizing its app.

HSBC, Barclaycard, American Categorical, Capital One and MBNA won’t enable a private restrict.

Are contactless funds secure?

Usually, the precise technique of paying utilizing a contactless technique is secure. As with utilizing Chip & PIN, your funds are 100% protected by anti-fraud know-how, which makes it tough for fraudsters to intercept communication between your card and a reader.

Sturdy Buyer Authentication (SCA) gives one other layer of safety, because it requires that cardholders utilizing the contactless technique are sometimes requested for his or her PIN. 

Your financial institution ought to contact you if it notices any uncommon exercise in your account.

Can somebody be charged twice?

It’s most unlikely that your account will probably be debited twice for a similar buy should you use a contactless cost technique. That is for a number of causes:

  • a reader will doubtless ask you to current a single card if it detects a couple of
  • contactless terminals solely detect playing cards which might be one to 2 inches away so it’s unlikely you’ll find yourself paying utilizing two totally different playing cards or gadgets
  • if you’re prompted to insert your card right into a reader, it’s as a result of the reader couldn’t take cost contactlessly.

Nonetheless, there’s such a factor as ‘card conflict’. That is if you use one contactless card or Oyster card to begin a Transport for London (TfL) journey, for instance, and (mistakenly) use one other to finish it.

An incomplete journey will probably be registered on every card and TfL will penalise you by charging the utmost value for 2 full journeys.

Can somebody take away contactless performance in the event that they don’t need it?

Banks resembling Nationwide, NatWest, Barclays and Santander will now permit you to choose out of the contactless function, by both sending new playing cards, or disabling the performance in your card. 

In case your financial institution is just not ready to do that, you may select to make use of the Chip & PIN facility in your card on a regular basis as a substitute, or go for a bank card that fits your wants.

If you happen to’re frightened in regards to the potential of fraudsters remotely stealing data out of your card, you should use an RFID-blocking pockets or attempt lining a traditional pockets with tin foil to stop any undesirable gadgets from interacting along with your card.

Does freezing a card block all contactless funds?

Cost suppliers resembling Amex, Mastercard and Visa have been working a ‘zero ground restrict’ since 2017/18 which suggests nearly all transactions require your financial institution’s authorisation at time of buy. 

That is robotically processed inside seconds as soon as your card is offered to a reader. Your financial institution will decline most funds in case your account is frozen.

The exceptions are some public transport charges, toll prices and parking funds, which require time to be calculated by the charging firm .

Apple Pay, Android Pay, Samsung Pay or different sensible device-based transactions will proceed to be authorised until you comply with the supplier’s recommendation to set your machine as misplaced or stolen and take away your playing cards.

What’s a contactless cost?

Contactless know-how was launched to the UK in 2007, permitting customers to make fast funds, from in-store to on public transport, just by holding a contactless financial institution card close to a card reader.

Contactless playing cards comprise chips with details about your account. These use radio frequency identification (RFID) know-how to emit radio waves that are learn by in-built antennae in card readers. 

The distant performance of a contactless card gives a substitute for chip and PIN, which requires inserting the cardboard right into a reader and getting into the non-public identification quantity (PIN) to finish a purchase order.

When utilizing contactless, the reader exhibits an authorisation message to substantiate cost, or to immediate the client to insert or swipe the cardboard if a contactless cost is just not doable, resembling when the acquisition exceeds the contactless transaction restrict.

Based on UK Finance, the variety of contactless funds made within the UK elevated by 12% to 9.6 billion funds in 2020, accounting for greater than 1 / 4 (27%) of all UK funds.

In addition to financial institution playing cards, gadgets resembling smartphones and smartwatches are generally used to make contactless funds, the place there isn’t any restrict apart from the retailer’s personal cost ceiling. That’s due to in-built biometric safety features in sensible gadgets.

You’ll find out extra about all types of contactless cost in Mark’s article right here.

Carer stole £325k from household together with nan to fund playing habit

A crooked carer scammed her personal mum, dad, nan and a disabled lady she sorted out of £325,000.

For six years Clare Roughley exploited her victims by utilizing on-line financial institution accounts to get her fingers on big sums used to cowl her playing habit.

A decide at the moment slammed the previous financial institution worker for utilizing her insider information to “systematically, ruthlessly and remorselessly extract each final penny” from their accounts.

Learn Extra:Teenagers instructed ‘do not transfer otherwise you’ll get shot’ by armed police

Roughley took benefit of a few of her closest family members, secretly organising on-line entry to her mum, dad and nan’s financial institution accounts so she may withdraw money at any time when she wished.

With their payments paid mechanically by direct debit and her mother and father sometimes making money withdrawals solely when needed, she spent years draining their life financial savings.

Peter Hussey, prosecuting, instructed Liverpool Crown Court docket she stole £91,437 from her dad Raymond Roughley, £158,735 belonging to her mum, Delwyn Roughley and £58,221 belonging to the property of her grandmother, Theresa Leyland.

When points arose, corresponding to a card being declined or queries over missed invoice deadlines, Roughley abused her mother and father’ belief to advise them reply.

Her crimes solely got here to gentle in March 2020 when each mother and father found their accounts had been emptied, Mr Hussey relaying how Mr Roughley “found, to his horror, the steadiness on his account had been lowered to zero”.

Clare Roughley, 39, of Newfields, St Helens, outside court
Clare Roughley, 39, of Newfields, St Helens, exterior court docket

The barrister instructed the court docket Roughley took benefit of her mum and pa’s “monetary naivety” and added: “The defendant had manipulated her mother and father’ financial institution accounts, enabling herself to make use of them as she happy.”

She additionally arrange private loans and bank cards and linked them to their accounts. Each mother and father have since been hounded over money owed they don’t seem to be chargeable for.

Roughley, herself a mum-of-two, additionally focused her personal nan – each in life and following her dying in 2019, after which she preyed on her property even after being left £6,000 herself.

And she or he took benefit of entry granted to the account of Jean Almond, who she helped to care and would typically take her out on purchasing journeys.

Roughley stole £17,220 belonging to Mrs Almond and her husband Geoffrey Almond, between December 10, 2019 and February 23, 2020.

The 39-year-old additionally admitted fraud by organising a bank card in Mrs Almond’s identify. She used that to entry £8,698.

Roughley’s duplicity prolonged to organising cellphone calls from a supposed financial institution worker named Gemma to often speak her victims via their spending and reassure them about their accounts.

No professional financial institution worker has been traced and it’s suspected that Gemma was certainly Roughley.

Mr Hussey learn harrowing statements on behalf of Roughley’s mother and father and Mr Almond.

When the thefts got here to gentle, Mr Roughley stated: “Me and my spouse simply cried in eachother’s arms pondering ‘what did we do to deserve this?’… No-one can think about what residing my life has been like. I am scared for the longer term, I am scared I’ve to pay all this debt I have never taken out.”

He added: “I could not consider what my very own flesh and blood had carried out to me… I by no means in one million years would have imagined Clare to be able to this.”

Recalling March 11 of final yr, the second she found her daughter’s crimes, Mrs Roughley stated: “I can not put into phrases how completely helpless I felt. I could not consider what was taking place to me.”

She added: “She acted like the right daughter. By no means did I count on her to have the ability to deceive me as she did.”

Clare Roughley, 39 and of Newfields in St Helens, was sentenced to six years for four counts of theft and one count of fraud. Image: Merseyside Police
Clare Roughley, 39 and of Newfields in St Helens, was sentenced to 6 years for 4 counts of theft and one rely of fraud. Picture: Merseyside Police

Mr Almond stated: “We had believed Clare to be a valued member of Jean’s care workforce and had a particular relationship with Jean. The realisation Clare was stealing from somebody as weak as Jean was a physique blow.”

Roughley, of Newfields in St Helens, admitted 4 counts of theft and one rely of fraud.

Jeremy Lasker, defending, stated his consumer was beforehand of fine character and was remorseful for her actions.

He instructed Liverpool Crown Court docket Roughley stole “to repay her ever-increasing playing losses”.

He added: “I do not put that ahead as an excuse. There isn’t a excuse for what she did. However the court docket must be conscious how over this six yr interval, or thereabouts, the playing took an entire maintain of her life.”

Recorder Imran Shafi, QC, described the matter as ” a unprecedented case ” and Roughley as “an achieved fraudster”.

The decide stated: “You systematically, ruthlessly and remorselessly extracted each final penny out of your victims, caring not that you simply have been destroying their lives.”

Roughley was sentenced to a complete of six years in jail and made the topic of restraining orders designed to guard her victims.

Obtain newsletters with the newest information, sport and what’s on updates from the Liverpool ECHO by signing up right here

What’s an angel investor?

What is an angel investor?
Picture supply: Getty Pictures

If you happen to’re new to start-up funding, likelihood is you’ve questioned what an angel investor is. So, that will help you make sense of angel funding and what’s concerned in the sort of small enterprise funding, right here’s a rundown of how angel traders work. 

What’s an angel investor?

An angel investor is an investor who helps to fund start-ups. They’re people who search for promising small companies that want a bit monetary assist to get off the bottom. 

What do angel traders get in return? Usually, they need a minority share within the enterprise in change for his or her preliminary funding. If the small enterprise grows, the shares improve in worth, which is how an angel investor makes their cash. 

What does an angel investor do?

Angel traders are usually pretty proactive. They’re often rich and profitable people who need to share their expertise and information with new entrepreneurs. The sort of assist they could give you consists of:

  • Introducing you to new enterprise and social connections
  • Mentoring you as you deal with typical start-up challenges
  • Advising you on product design and advertising and marketing based mostly on their very own trade expertise 

Each angel investor is a bit completely different, however all of them have one factor in frequent – they need the enterprise to succeed.

What are the professionals of angel funding?

Angel funding has some distinct benefits over different forms of startup funding – right here’s a abstract.

  • You’ll profit from the angel’s experience and trade information. 
  • Because the cash will not be a mortgage, you’re not obliged to pay it again. 
  • Angels are sometimes okay with some degree of threat, in order that they’re snug taking up start-ups on the earliest funding phases. This could possibly be the lifeline it is advisable to truly get your corporation going.  

Are there any downsides to angel traders?

All that stated, there are some drawbacks to picking angel funding. 

  • Bringing in an angel investor means giving up some management of your corporation. 
  • Since angels count on shares in your organization, they’re entitled to a proportion of your future revenue. 
  • Angel traders often count on you to have an exit technique in place to allow them to realise their funding in just a few years. This won’t give you the results you want should you plan on proudly owning the enterprise for a few years to return. 

How do I get angel funding?

So, should you suppose that is the method for you, how do you go about discovering an angel investor? Properly, there are just a few locations you’ll be able to look:

  • Take a look at the UK Enterprise Angels Affiliation, which is an official commerce physique for angel investing. It has a big community of registered angels, so it’s a superb place to start out. 
  • You probably have any skilled contacts, ask round to see in the event that they know of any angels you’ll be able to pitch to. 
  • Attend trade occasions, whether or not nearly or in particular person. There’s all the time the prospect you’ll meet an angel trying to make investments.
  • You may additionally take a look at specialist brokerage companies that may assist join you with angel traders in your trade. 

Whilst you’re searching for an angel, you’ll want to work in your elevator pitch and marketing strategy. You’ll want these to impress any potential investor.

Is an angel investor proper for me?

For a startup, an angel investor could be a lifeline. Nevertheless, angel funding isn’t proper for each enterprise, and relying in your long-term targets, different sources of enterprise funding may be higher.

And keep in mind, even should you decide on angel funding, you don’t want to enroll with the primary angel you encounter. All the time do your analysis and suss out whether or not the investor is an efficient match for your corporation earlier than signing a contract. 

Are you searching for a bank card to associate with your new enterprise? Right here’s a take a look at some enterprise bank cards you may need to try.

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Some presents on The Motley Idiot UK web site are from our companions — it’s how we become profitable and hold this web site going. However does that influence our scores? Nope. Our dedication is to you. If a product isn’t any good, our score will replicate that, or we received’t record it in any respect. Additionally, whereas we purpose to function the very best merchandise obtainable, we don’t assessment each product available on the market. Study extra right here. The statements above are The Motley Idiot’s alone and haven’t been offered or endorsed by financial institution advertisers. John Mackey, CEO of Complete Meals Market, an Amazon subsidiary, is a member of The Motley Idiot’s board of administrators. The Motley Idiot UK has advisable Barclays, Hargreaves Lansdown, HSBC Holdings, Lloyds Banking Group, Mastercard, and Tesco.

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How can I get the perfect pound to euro price whereas abroad?

When you’re heading to Europe, it can save you your self a fairly penny if you understand how to get the perfect pound to euro alternate price. So whether or not you’re planning an escape to the seashores of Spain or the mountains of Italy, right here’s maximise the worth of your cash.

Pound to euro alternate price: frequent errors

Earlier than understanding how one can get the perfect pound to euro alternate price, it’s price understanding the 4 most typical errors that travellers make earlier than heading to Europe.

1. Exchanging cash on the native Submit Workplace

Whereas usually a handy choice, altering your cash at your native Submit Workplace is a rookie mistake. That’s as a result of you possibly can usually discover higher pound to euro alternate charges elsewhere, usually by way of on-line journey cash exchanges. Even the Submit Workplace gives totally different charges on its web site than it does in its branches!

2. Falling for the ‘no fee’ trick

This is applicable whether or not you’re within the UK or abroad. When you come throughout a journey cash alternate shouting about ‘no fee’, take it with a pinch of salt. Whereas zero fee sounds constructive, don’t let it distract you from the way more necessary alternate price. Bear in mind, the alternate has to make its cash someway!

3. Utilizing the flawed plastic overseas

It’s completely acceptable to make use of a debit or bank card overseas, so long as it’s a specialist journey bank card. When you use your on a regular basis debit or bank card, you would find yourself paying hefty non-sterling transaction charges in addition to expenses for withdrawing money.

4. Exchanging kilos for euros … for a rustic that doesn’t use the euro

It could appear ridiculous, but it surely’s extra frequent than you may suppose when travellers don’t analysis their vacation spot. Bulgaria, Croatia, the Czech Republic, Denmark, Hungary, Poland, Romania, and Sweden are all a part of the EU however don’t use the euro as forex.

Two methods of getting the perfect pound to euro alternate price

There are two guidelines for getting your self the perfect pound to euro alternate price:

  • Rule 1: Get your self a high journey bank card for abroad use so you possibly can keep away from charges.
  • Rule 2: Use a worth comparability website to make sure you get the perfect alternate price. 

Let’s check out these guidelines in additional element.

Rule 1: Get a high journey card 

A specialist journey bank card, such because the Halifax Readability (19.9% APR curiosity) or the Barclaycard Rewards (22.9% APR curiosity), expenses no charges when used overseas. So spend on this sort of card whereas in Europe and also you’ll pay nothing above the near-perfect Mastercard or Visa alternate price. 

Be aware that whereas it doesn’t cost charges, the Halifax Readability card expenses curiosity on withdrawals, so it’s greatest to spend on the cardboard the place potential. To minimise curiosity on withdrawals, you possibly can repay your steadiness instantly whereas overseas. 

With each Halifax Readability and Barclaycard Rewards you possibly can arrange a month-to-month direct debit to totally repay your steadiness. For different choices, see our top-rated journey bank cards.

It’s price figuring out that some financial institution accounts provide fee-free abroad use too. Each Starling Financial institution and the Virgin Cash M account gained’t cost you any charges to make use of them overseas, on each spending and money withdrawals.

Rule 2: Get the perfect pound to euro alternate price for money

In addition to getting your self a high journey bank card, if you wish to take money with you to Europe, it’s greatest to make use of the companies of a journey cash comparability web site to check choices.

Journey cash comparability websites will let you specify precisely what number of kilos you wish to alternate into euros. The very best websites may even bear in mind the supply charges. Many additionally will let you say whether or not you’d choose to gather your money or have it despatched to you. When you select to have your money delivered, learn evaluations of the corporate to make sure it’s reliable.

It’s additionally price bearing that thoughts that when you place an order by way of a web based forex alternate, you might not be lined if the corporate goes bust earlier than you obtain your cash. Whereas this may occasionally appear unlikely, it’s one thing to concentrate on, particularly if exchanging a considerable amount of money.

Different journey tricks to reduce the price of your European journey

Now that you understand how to bag your self the perfect pound to euro alternate price, it’s good to discover different methods to chop the price of your journey. From getting your self low cost insurance coverage to choosing the perfect dates for journey, see our 10 ideas to save cash on journey. 

Eager for extra ideas? Take a look at an inventory of our newest journey cash guides.

Nonetheless have questions?

When you didn’t discover every little thing you have been in search of on this web page, now we have different methods to assist:

Some gives on The Motley Idiot UK website are from our companions — it’s how we make cash and maintain this website going. However does that impression our scores? Nope. Our dedication is to you. If a product isn’t any good, our score will replicate that, or we gained’t listing it in any respect. Additionally, whereas we goal to function the perfect merchandise out there, we don’t evaluation each product in the marketplace. Study extra right here. The statements above are The Motley Idiot’s alone and haven’t been supplied or endorsed by financial institution advertisers. John Mackey, CEO of Entire Meals Market, an Amazon subsidiary, is a member of The Motley Idiot’s board of administrators. The Motley Idiot UK has really useful Barclays, Hargreaves Lansdown, HSBC Holdings, Lloyds Banking Group, Mastercard, and Tesco.

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Your refund rights for cancelled flights booked by way of third-party web sites

Each reserving web sites and airways have been giving duff recommendation to shoppers, leaving many out of pocket when attempting to get their a refund. Our professional tells you the place you stand

Holidaymakers catching flights to Palma and Tenerife at the Jet2 check-in desk at Glasgow Airport in Paisley
For a lot of shoppers, getting flight refunds has been tougher than it must be

In case you’ve been hitting a brick wall chasing a refund for a cancelled flight booked by way of a third-party reserving website, you aren’t alone.

Throughout the pandemic readers have been contacting me each day to complain about this and this has highlighted that buyers are getting the run-around resulting from each reserving website and airways flouting the regulation.

Mary from Wellingbroough has been chasing a refund for a cancelled flight since March 2020. She booked by way of a reserving website and was advised by the airline that she needed to declare her refund from them.

The reserving website rejected her request telling her she needed to declare from the airline.

Jacob from Cardiff booked a flight by way of a reserving website.

When the flight was cancelled resulting from Covid he requested for his a refund. He was advised he may have a voucher to make use of as the businesses phrases and situations supplied that money refunds have been discretionary.

Francesa from Ealing was advised by a reserving website that she would get her refund for a cancelled flight when the airline has refunded them. The airline says it has already carried out so and he or she has been on this merry-go-round for the previous seven months.

The authorized place

Many web sites that provide ‘authorized recommendation’ say you will need to pursue the third occasion reserving website, not the airline, as that is who you entered right into a contract with.

They’re flawed for 2 causes.

1) most of those reserving websites act as agent solely – which means their phrases will clearly say you might be the truth is contracting with the airline.

There are nonetheless some websites the place you do contract with them.

ii) The regulation (often called EU261 throughout the EU and UK261 within the UK has different concepts, and it trumps the contractual place.

The authorized place is subsequently that passengers are entitled to a money refund inside seven days, no matter whether or not they booked direct with an airline or by way of a 3rd occasion and this authorized obligation to refund rests with the airline.

Because of this it doesn’t matter who your contract is with.

The issue

If you e-book by way of a third-party reserving website it provides its fee to the flight value. In case you declare in opposition to the airline, you possibly can solely declare the quantity the reserving website paid the airline – the fee must be claimed from the reserving website.

Escalating your grievance

If the airline is subscribed to another dispute decision (ADR) supplier you possibly can lodge a grievance with the related ADR scheme. The Civil Aviation Authority has a listing of airways subscribed to one of many two authorised schemes (AviationADR and CEDR) on its web site.

All airways are very aware of their obligation to refund passengers following cancelled flights so you’ll finally get your cash in case you maintain pushing it and asserting your rights.

Know your rights

I’m usually telling readers concerning the safety part 75 offers whenever you pay for items or providers together with your bank card. There’s a related safety in case you pay together with your debit card, often called Chargeback.

If you make a profitable Chargeback declare your financial institution withdraws the funds that have been beforehand deposited into the recipient’s (retailer/dealer) checking account and places them again into your account.

Chargeback shouldn’t be underpinned by regulation however as a substitute is a voluntary scheme adopted by banks and card suppliers.

Sometimes there’s a time restrict of 120, from the date of buy, to lodge a chargeback declare. On most events this time restrict is ready in stone.

To make a profitable chargeback declare you will need to be capable of present a breach of contract on the a part of the dealer. This implies the products should be broken or not match an outline or not be of passable high quality.

Chargeback may also be used when items don’t arrive due being misplaced in transit or the dealer going bust.

Like insurance coverage corporations, banks wish to say no to claims. If this occurs don’t take no for a solution and ask for it to think about your declare once more.

If this doesn’t work and you continue to really feel assured about your declare the subsequent step is to file a declare with the Monetary Ombudsman Service.

Learn Extra

Learn Extra

Nunchucks and rifle scope present in bed room of man accused of planning to ‘dwell stream’ terror assault in Fife

Nunchucks, an axe and a rifle scope had been discovered by police within the bed room of a person accused of planning to ‘dwell stream’ a terror assault in Fife, a trial heard.

Sam Imrie, 24, went on trial on the Excessive Courtroom in Edinburgh on Friday accused of getting ready to commit acts of terrorism.

Imrie is accused of suggesting on-line that he deliberate to assault the Fife Islamic Centre.

A joint minute of agreed information was learn out to the jury at first of the case.

The court docket was advised how cops searched Imrie’s Glenrothes dwelling on July 6 2019 and located an array of weapons.

The objects recovered included nunchucks, an axe, a rifle scope, a ‘bank card’ knife, and several other different knives.

Officers additionally discovered printed papers containing a “manifesto” entitled ‘The Nice Alternative’ by terrorist Brenton Tarrant.

The trial was advised digital units had been seized from the bed room together with an iPhone 5, Apple Mac laptop, Samsung telephone, and USB stick.

The jury heard 99 indecent pictures of youngsters had been later discovered on the units. Six “excessive pornographic pictures depicting in an specific and lifelike manner sexual exercise involving a human corpse” had been discovered on the USB stick.

Imrie, who denies the entire 9 expenses in opposition to him, is accused of publishing or inflicting one other particular person to publish statements, pictures and video footage on Fb and web platform Telegram glorifying terrorist acts dedicated by convicted terrorists Anders Breivik and Brenton Tarrant between June 22 2018 and July 4 2019.

He’s alleged to have created and possessed Nazi, neo-Nazi, anti-Muslim, anti-Semitic and different racist or violent pictures, textual content and audio recordsdata plus a amount of pictures which glorified terrorism.

Imrie is accused of buying knives, nunchucks, a hammer, a baseball bat, a rifle scope and petrol, which he known as his “arsenal”, between June 20 and July 4 2019.

He’s accused of posting statements on Telegram indicating he deliberate to stream dwell footage of “an incident” and posting statements suggesting he was going to hold out an assault on the Fife Islamic Centre in Glenrothes.

Prosecutors allege Imrie collected info prone to be helpful to an individual committing or getting ready an act of terrorism between June 20 and July 4 2019.

He’s accused of possessing “excessive pornographic pictures” depicting sexual exercise involving a human corpse between June 28 and July 5 2019.

It is usually alleged he took or permitted to be taken, or made, indecent images or pseudo-photographs of youngsters and that he was in possession of such images between June 15 and July 5 2019.

He faces 9 expenses in whole, together with certainly one of driving whereas unfit via drink or medication on July 4 2019.

The trial continues.

It is Now Simpler for Totally Vaccinated Vacationers to Go to the U.Ok.

Because the pandemic wears on, nation entry guidelines proceed to vary typically. Till not too long ago, there have been many hurdles to enter the UK (U.Ok.), at the same time as a totally vaccinated traveler. The excellent news is the entry necessities have been up to date as of Oct. 4, making it simpler to go to for those who’re absolutely vaccinated.

Beforehand, the U.Ok. had a visitors gentle system the place international locations had been listed as pink, amber, or inexperienced, with the colours indicating the nation’s present degree of COVID-19 threat. Every colour had its personal guidelines for testing and quarantine necessities. That system has been scrapped.

Now, some international locations with a excessive COVID-19 threat can be listed as pink international locations, whereas others can be thought-about non-red international locations. If you happen to’re absolutely vaccinated and reside in or are visiting from a non-red nation, it is going to be comparatively simple to go to the U.Ok.

Discover out extra about these adjustments to higher perceive what to anticipate to your upcoming travels.

Here is how the brand new system works for eligible vaccinated vacationers

Totally vaccinated grownup vacationers from non-red record international locations will now not must take a pre-departure COVID-19 take a look at. It’s essential to be capable to show that you just’re absolutely vaccinated, nonetheless. To be thought-about absolutely vaccinated, you have to have obtained a whole course of an authorized vaccine at the least 14 days earlier than arrival.

All vacationers below 18 who’re residents from non-red international locations may journey with out taking a pre-departure take a look at, no matter their vaccination standing.

A COVID-19 polymerase chain response (PCR) take a look at taken two days after arrival will nonetheless be required for all vacationers, besides kids below 5 years previous. This take a look at must be booked earlier than you journey. All vacationers, no matter age, additionally want to finish a passenger locator kind inside 48 hours earlier than arrival.

What about unvaccinated vacationers visiting from non-red international locations?

If you happen to’re unvaccinated or not but absolutely vaccinated, the foundations are totally different. Here is what unvaccinated vacationers over 18 might want to do:

  1. Take a COVID-19 PCR or antigen take a look at inside three days earlier than arrival
  2. E book and pay for a day two and day eight COVID-19 take a look at prematurely
  3. Full a passenger locator kind
  4. Quarantine at house or within the place you are staying for 10 days

If you happen to’re visiting the U.Ok. for lower than 10 days, you will must quarantine for the complete time.

What about vacationers from pink international locations?

If you happen to’ve been in a pink record nation throughout the final 10 days, totally different guidelines apply. If you happen to’re a British or Irish nationwide or have residence rights within the U.Ok., you may go to with out restrictions.

In any other case, you will must do the next:

  1. Take a COVID-19 take a look at inside three days earlier than journey
  2. E book a quarantine resort package deal and quarantine for 10 days
  3. Take a COVID-19 take a look at on or earlier than day two and on or after day eight of quarantine
  4. Full a passenger locator kind

These necessities apply to completely vaccinated vacationers who’ve traveled by or visited a pink record nation throughout the final 10 days.

Below the present guidelines, absolutely vaccinated vacationers coming from non-red international locations could have the fewest restrictions when visiting the U.Ok. If you happen to’re not but vaccinated and wish to journey internationally, you could wish to take into account getting vaccinated quickly. Some international locations now ban unvaccinated guests or have extra restrictions in place for entry.

Be versatile and price range for added bills

Touring throughout a pandemic comes with added prices. If you happen to’re planning to go to the U.Ok. or another worldwide vacation spot quickly, plan for additional room in your trip price range for added prices, together with surprising bills. It additionally helps to be versatile as journey restrictions and entry guidelines change ceaselessly. It is sensible to maintain checking the foundations throughout your journey to keep away from disappointing surprises.

Reserving your journey with a journey rewards bank card might help you save slightly cash whereas juggling pandemic restrictions. You’ll be able to earn rewards for purchases and might redeem your rewards for future journey. Plus, your journey bank card might embody added perks like journey interruption or journey cancellation safety.

If you happen to’re making journey reservations and wish to apply for a brand new bank card, check out our prime journey rewards bank cards for inspiration.

Finish of £20 uplift will imply selecting between meals on the desk or taking my son to highschool

The reduce to common credit score means one mom of 4 is now compelled to decide on between placing meals on the desk or paying for the bus fare to take her son to highschool.

Tasha, 38, from Swindon, is amongst tons of of 1000’s of individuals within the UK who will battle to make ends meet because the short-term uplift within the profit for these on low incomes is rescinded.

From Wednesday, no assessments for common credit score will embody the £20 per week uplift, that means that from October 13, no funds obtained by claimants will embody the additional cash that was launched to assist among the households hit hardest by the pandemic.

Tasha instructed i that though her companion works, they are going to battle financially with out the extra earnings.

She stated: “It’s going to be fairly a battle for us and it’s fairly worrying as a result of it means a alternative of meals or getting my son to highschool.”

Earlier than the pandemic, Tasha and her household had been residing inside strolling distance of her kids’s college however the household was just lately moved from a two-bedroom flat to a four-bedroom property to raised go well with their lodging wants by Swindon Borough Council.

Tasha stated she was knowledgeable by the closest college to the brand new house that there have been no locations for her son to attend, that means she has to catch a bus to take him to the previous college. It’s a 16-mile spherical journey which prices Tasha £5.20 a day, she stated.

“For us, that’s some huge cash. We are able to declare it again from the council however we’ve got to pay first, then declare it again on the finish of time period, then wait two weeks after that to get it again, so we’re all the time in arrears.

“So clearly the reduce goes to be large to us as a result of that’s a giant chunk of our meals invoice gone with out that cash.”

Tasha is amongst tons of of 1000’s of individuals within the UK who will battle to make ends meet because the short-term uplift within the profit for these on low incomes is rescinded (Picture: Provided)

Tasha stated she has not made a remaining determination on what sacrifices she’s going to make on account of the common credit score reduce however stated: “It will likely be like not sending him to highschool to feed the youngsters. However then his schooling suffers, so do you chop meals again… it’s arduous.”

She added: “You could have a household since you need to have a household, and clearly once you’re having that household, you may assist them, however issues have now acquired right into a state of affairs the place we’re not capable of totally, so we simply want that additional assist.”

The difficulties Tasha and her household face are echoed throughout the nation.

Greater than 3.5 million kids within the UK live in households that obtain common credit score funds, in keeping with Authorities figures.

This equates to 1.3 kids being hit by the reduce each second on common over the 31-day interval from October 13, charity Save the Youngsters stated.

Joanna, 36, an editor from Milton Keynes, stated she will see herself stepping into debt due to the elimination of the uplift.

Her eight-year-old son turns 9 this month and she or he’s already needed to modify plans for celebrating his birthday.

Learn Extra

Common credit score uplift ends: How a lot claimants will lose and the assist on supply for folks struggling

“This reduce is the equal to 2 meals retailers a month for us, and as a single guardian paying £1,000 in lease, that’s large. 

“It’s his birthday this month and I received’t have the ability to deal with him as a lot as I normally do. I’ll even be having to make use of my bank card extra typically and burn up the final of my financial savings to get from one payday to the subsequent.”

Joanna solely started receiving common credit score in the course of the uplift interval and stated the reduce will have an effect on her Christmas, too.

“I can see me stepping into debt over Christmas as I don’t have any spare cash to purchase presents, so it must be bank card,” she stated.

Amazon opens first UK mini division retailer because it continues excessive avenue takeover

Its new Amazon 4-star retailer sells objects comparable to books, expertise and toys – all of which, because the identify suggests, are rated 4-stars of upper. We take a primary look inside the brand new store

Amazon has just opened its first UK 4-star shop
Amazon has simply opened its first UK 4-star store

Amazon has opened its first mini division retailer within the UK as the net retail big continues its takeover of the excessive avenue.

The corporate welcomed clients its new 3,500 sq ft website this morning (October 6) on the Bluewater buying centre, close to Dartford in Kent.

As a substitute of promoting meals, like its Amazon Contemporary retailers, its new retailer sells objects comparable to books, expertise and toys – all of that are rated 4-stars or larger.

Amazon will promote round 2,000 objects in complete, which is able to change relying on what’s new and trending.

The web retail big is utilizing buyer info such because the objects most added to “want lists” to resolve what it sells.

Amazon 4-star sells books, expertise and toys



It would additionally ensure costs are the identical in individual as they’re on-line by digital value tags, though buyers will not have to have an Amazon account to buy.

The shop additionally would not use the identical “simply stroll out” checkout-free expertise as its meals shops.

This implies clients need to pay for objects with money, bank card or by the Amazon app utilizing the 4-star QR code at checkout.

Consumers will have the ability to gather objects ordered on-line and returned undesirable items as nicely.

Amazon launched its first 4-star retailer within the US in 2018 however that is the primary of those websites to open within the UK.

There are 30 Amazon 4-star shops within the US.

Amazon first opened a 4-star retailer within the US in 2018



Andy Jones, director of Amazon 4-star UK, mentioned it’s an “thrilling” milestone for the retail big, which began plans for the shop previous to the pandemic.

Nevertheless, the retail boss hasn’t confirmed whether or not extra 4-star shops are already within the works within the UK.

He mentioned: “I have been engaged on this for the previous two years so we’re clearly simply actually eager now to get clients in and see what they assume.

“The pandemic did not actually change our pondering. We have seen that the mannequin has labored rather well in malls within the US, so a location like Bluewater made complete sense to us.

Its first UK website is positioned in Bluewater, close to Dartford, Kent



“I believe the variability within the retailer is actually essential and hopefully one thing clients will see.

“There are the Amazon merchandise they’ll count on but additionally native merchandise from small suppliers, as a result of that may be a enormous a part of the Amazon enterprise.”

Amazon opened its first UK grocery retailer final 12 months with its “simply stroll out” expertise meaning buyers will pay for objects with out going to a checkout.

Prospects do not want an Amazon account to buy



As a substitute, their Amazon account is charged as they exit the store, with cameras maintaining a tally of what you have picked up in shops.

Its first ever Amazon Contemporary department opened in Ealing in March, adopted by its second opening in Wembley Park.

Amazon now has six of its Contemporary websites, together with in White Metropolis, Chalk Farm, Canary Wharf and Dalston.

The retailer mentioned the mannequin has been “nicely acquired” since opening.

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As UK FinTech hits document ranges, who’re the following wave of scaleups? BusinessCloud


File ranges of funding into the UK FinTech scene have seen 40 unicorns topped within the sector, greater than the entire of the remainder of Europe mixed (37).

VC funding within the sector up to now in 2021 ($11.4 billion) is greater than double the entire of 2020 ($4.57bn), with Q3 setting an all-time quarter document of $4.9bn.

Round half of the 2021 funding has come from US buyers, displaying the worldwide enchantment of a number of the UK’s world main FinTech corporations. 

Mixed, UK FinTech corporations are valued at $340bn, up 61% from $210bn final yr, led by the likes of Revolut and Sensible.

Towards this backdrop, Tech Nation has revealed the 30 corporations accepted into the fourth iteration of its development programme, Fintech 4.0.

Two-fifths of the brand new cohort corporations are primarily based outdoors of London, together with corporations from Scotland, Wales and Northern Eire. Almost a 3rd have feminine founders. 

The six-month government-backed programme was created to assist FinTech and InsurTech corporations within the UK. Corporations accepted into the programme have entry to networking occasions with key stakeholders, peer-to-peer meetups, and insights periods delivered by established fintech entrepreneurs, buyers and companions, which give cohort members the instruments and data they should scale.

This yr’s profitable candidates will achieve entry to a number of perception periods over six months (overlaying core points, from funding to gross sales, partnerships and worldwide enlargement) delivered by later-stage founders, all targeted on key scaling challenges, in addition to common networking alternatives (with buyers, VCs, corporates and friends).

Katja Palovaara (pictured), FinTech programme lead at Tech Nation, stated: “We’re delighted to welcome these 30 inspiring FinTech corporations to the Fintech 4.0 cohort. 

“Because the UK’s flourishing FinTech sector continues to drive extra funding than ever earlier than, our FinTech corporations aren’t simply disrupting conventional monetary sectors; they’re working alongside them to make sure that everybody has the instruments and data they should succeed financially. 

“Many of those FinTechs aren’t solely focussed on serving to folks earn extra and make investments higher, however on making the world a greater and fairer place. We are able to’t wait to see what they do subsequent.” 

Accelex is the info acquisition, analytics and reporting answer for buyers and asset servicers. Powered by cutting-edge information science, synthetic intelligence and machine studying methods, Accelex automates the guide and time intensive strategy of extracting unstructured efficiency and transaction information from a variety of personal funding paperwork.

Behaviour Lab’s platform gives an end-to-end answer to enhance determination making, improve efficiency and drive transparency for all concerned. Its imaginative and prescient is to assist rework the £120 trillion asset administration trade’s determination making by bettering processes and workflows via our SaaS platform while debiasing fund supervisor selections. The proprietary instruments tailor to every fund supervisor, utilized ML algorithms determine expensive biases, funding thesis templates seize worth from concepts and reporting instruments assist monitor selections and nudge fund managers to take motion.

BondAval provides companies entry to institutional-grade commerce finance options by utilising large information, machine studying elements and deep surety and credit score underwriting experience in a proprietary expertise stack. The result’s a ground-breaking proposition: MicroBonds. The MicroBonds answer democratises entry to essentially the most environment friendly monetary devices normally reserved for blue chip firms — in minutes, somewhat than months. BondAval brings a digital-first proposition to the world of B2B insurance coverage, understanding that simply because your organization title ends with Ltd or Restricted doesn’t imply your person expertise ought to be worse than what’s out there for shoppers.

Bunk – Bristol

Bunk’s platform transforms your complete rental course of with a SaaS device for leasing, advertising and administration. With a completely white-labeled platform, shoppers can digitise your complete letting course of whereas automating administration duties. With a giant give attention to person expertise, Bunk utilises trendy expertise that drives large price financial savings, effectivity features and retention.

Cardeo helps bank card holders handle their playing cards higher and lower your expenses. The app is free to obtain and use and automates the administration of those accounts. Customers keep answerable for their repayments and preserve their playing cards – however may usually save as much as £390 a yr.

DirectID is a world credit score threat platform that’s redefining the trade for each lenders and their shoppers by leveraging buyer’s real-time financial institution information. The platform leverages open finance protocols and financial institution assertion information to assist companies perceive their prospects all through the credit score threat lifecycle from onboarding via to collections and recoveries. The platform gives companies with a possibility to extend conversion by round 45%, make selections sooner from days to seconds, lower fraud charges by round 7.5%, all whereas offering the end-user with the comfort they demand.

Ecospend is an FCA-authorised fintech that gives full stack open finance options for funds (PISP) and information (AISP). It provides the gold customary in open banking merchandise within the UK market from a core group primarily based in London and an offshore engineering group. In late 2020 Ecospend received the most important open banking tender up to now with the UK Authorities and now gives providers to HMRC.

Funderbeam is a world fundraising and buying and selling platform. It connects international buyers with vetted personal corporations throughout worldwide markets and, via its market change, permits personal investments to be traded. This reduces the price of capital for corporations and permits buyers to re-invest into new alternatives at a time that fits them.

Griffin Monetary Expertise is making a financial institution to be constructed on: a full-stack banking-as-a-service platform for corporations that wish to supply their very own monetary providers. It allows prospects to give attention to constructing their merchandise and rising their enterprise, somewhat than managing back-end infrastructure and compliance processes.

Hammock saves landlords money and time by permitting them to handle all their property funds in a single place and transfer away from spreadsheets and paper notes. It gives banking (by way of open banking, in addition to with Hammock’s personal private or enterprise present accounts), automated bookkeeping, tax statements, and enterprise intelligence providers for the property sector. It provides professionals within the property sector 24/7 entry to their property funds, along with real-time updates, notifications and alerts.

KASKO – London

KASKO allows insurers, brokers and managing common brokers to design, construct and distribute digital insurance coverage providers although any channel; the platform is API-powered and might combine any third social gathering service. Its platform is modular in order that every thing comes as a microservice; prospects can construct as a lot or as little of a product as they like then scale as crucial and increase on prime of any legacy system. The insurance coverage platform consists of quote-offer-bind, after-sales and coverage administration, a white-label front-end and a product engine together with fee, coverage issuance, mid-term adjustment, claims, and extra.

LoyalBe helps manufacturers to draw and retain prospects via focused and personalised provides and loyalty applications. It leverages open banking APIs to allow a very frictionless reward expertise for shoppers and a deeper degree of buyer insights for manufacturers, together with share of pockets insights. Gives might be personalised by historic buy information.

MortgageKart began out as a digital mortgage brokerage and is now aiming to change into a mortgage expertise supplier with an in-house brokerage. Its platform combines eight front-end & back-end digital options – supplied as an end-to-end white-labelled platform or a collection of modular microservices supplied as APIs. Entrance-end options cowl gathering consumer data, checking eligibility, product matching, robo-assistance to find out suitability and an clever document-upload engine. Again-end options deal with workflow, CRM, compliance and analytics. The expertise is constructed to efficiently scale MortgageKart’s personal B2C digital mortgage brokerage and can rework the way in which lenders and brokers originate mortgages.

MyPocketSkill’s imaginative and prescient is to create a financially-empowered Gen Z. It does this by offering a digital answer to assist younger folks earn, save and find out about cash. The answer connects younger folks with alternatives to earn cash after which makes use of behavioural science to nudge in direction of financial savings objectives.

Nu-Credit is a commerce finance market connecting SMEs with international lenders, backed by blockchain. It helps confirm the authenticity of the enterprise transactions from SMEs and creates extra significant information on logistics, fee, ecommerce, for instance, round their cross-border trades in order that extra lenders can be a part of forces to develop together with the SMEs by offering extra working capital.

Nuggets is a decentralised, self-sovereign identification and fee platform. It helps organisations to guard buyer information and allow belief in transactions whereas giving prospects a frictionless, seamless expertise. It’s the one platform of this type that actually brings collectively funds and ID, utilising self-sovereign information rules.

Ordo – Newbury

Ordo is an open banking-enabled payments-as-a-service platform. It provides a number of fee options all utilizing open banking protocols, that means companies receives a commission faster and at decrease price. Options embody: invoice funds by way of our Request-for-Fee service, ecommerce, contact centre funds, and QR code-based face-to-face funds.

ScribeStar’s digital platform permits corporations to boost cash faster, cheaper and at decrease threat. ScribeStar makes use of safety and venue-tailored workflows to streamline the executive, authorized, and regulatory work related to issuing fairness, debt and different securities in public markets. With over 70 IPOs and different issuances produced on the system, the corporate is seeing curiosity from inventory exchanges to carry its atmosphere nearer to their venues, thus creating an end-to-end digital issuance course of while utilising the structured information ScribeStar produces within the course of.

Supercede is constructing a world ecosystem set to rework the reinsurance trade. Moderately than looking for to digitise folks out of the method, it centres its answer across the consultants that make the reinsurance trade nice and delivers highly effective instruments to permit them to do their greatest work. Supercede’s answer consists of three crucial elements: analytics, placement and community, and is quickly changing into the answer of selection for cedents, brokers and reinsurance underwriters worldwide.

SUPERHOG is a digital belief tech answer for short-term leases utilizing expertise, information and embedded insurance coverage to get rid of threat from bookings. builds payroll-as-a-service API options that permits prospects to embed worldwide payroll and hiring in any software program platform in a number of strains of code. One integration covers a number of nations globally.

Tillit empowers everybody to speculate long-term with confidence, conviction and ease. It’s constructed and backed by funding specialists who imagine that the important thing to long-term investing success lies in funds. The DIY platform provides best-in-class funds throughout areas, asset lessons and types. With a clear design, a user-friendly interface and interesting content material, the person is ready to make extra knowledgeable funding selections for his or her long-term financial savings.

Tymit – London

Tymit is reinventing the bank card by making it versatile, protected and trustworthy, for higher monetary well being and peace of thoughts. It has constructed a brand new sort of bank card that helps folks make smarter selections after they purchase and provides them the facility to plan the way in which they pay. The providing is constructed round a set of thrilling options which can be distinctive within the trade, like instalment planning and bundling a number of transactions into one financeable merchandise, and it’s all delivered via a seamless cellular app expertise.

VALK – London

VALK takes personal market offers which can be guide, sluggish and fragmented and places them onto one digital platform. By digitizing the deal course of VALK customers can profit from the automation of processes with the power to simply create or entry secondary markets – one thing which has beforehand been too expensive and administratively costly to feasibly supply.

Weavr – London

Weavr gives a cloud-based platform that makes it simple for digital companies to embed monetary providers into their purposes, and protected for monetary establishments to supply embeddable monetary providers.

WhisperClaims is a cloud-based software that enables accountants to construct R&D tax claims shortly and simply. Launched in Sept 2018, it now has over 140 corporations nationally utilizing the product, paying a mixture of month-to-month subscriptions and obtain charges per report generated. It saves customers time, removes the necessity to digest lots of of pages of HMRC steering on the scheme, and gives companies with a platform to generate new revenues.

Wombat is a mobile-first thematic micro-investment platform. It was created to interrupt down the limitations to conventional investing, making it accessible and interesting to the lots. With Wombat, customers are free to spend money on a variety of themes and particular person shares to replicate their pursuits and beliefs. It provides free accounts, round-Ups, studying instruments, and auto-investing.

Yoello is a fintech firm that goals to disrupt the prevailing fee system by utilising open banking laws to chop out the middlemen, and in flip, carry retailers and prospects nearer collectively. It connects to banks on to provoke funds between shopper and service provider accounts, saving companies 75% on their transaction charges. At present targeted on the hospitality trade, Yoello powers cellular order-and-pay providers for 1000’s of companies throughout a number of nations.

Ziglu – London

Created by skilled Starling Financial institution founder Mark Hipperson, Ziglu is the private cash app that brings the challenger financial institution expertise to cryptocurrency. Ziglu provides clear, low pricing and intuitive entry to a variety of cryptocurrencies together with Bitcoin, Bitcoin Money, Ether, Litecoin, Chainlink, Cardano,Tezos, Doge, DOT and Solana; and their Sterling Enhance and Bitcoin Enhance accounts pay 5% curiosity. Ziglu is regulated by the FCA as an Digital Cash Establishment, totally safeguarding all buyer funds and is certainly one of 5 corporations on this planet to have everlasting FCA crypto-asset registration.

Zumo – Edinburgh

Zumo is the decentralised monetary platform that brings the advantages of blockchain and crypto to folks in every single place. Zumo leverages the facility of the blockchain to offer extremely efficient options to legacy merchandise, similar to conventional financial savings accounts and costly worldwide remittances. It seeks to do that in essentially the most accessible and sustainable method attainable in order that the advantages of blockchain are for everybody, not simply essentially the most tech-savvy or financially literate.

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