Saturday, March 31, 2012

Do I have anything to say?

Lately, I've been feeling less motivated to write for my blog. Usually, blogging is one of my favorite things to do, but lately  . .. .not so much. For those of you who don't know me personally this is sometimes a pattern in my life: I get really excited about something, become almost obsessed with it, and then I start to feel done with it. Is this going to be the way my blog goes too? I was wondering about this when I wrote my last article for Enemy of Debt about Giving Up.

When I look at the blogging world, I am amazed at all the great information that is out there. I see people writing really original and creative stuff and sometimes I don't feel like my information is as valuable. On the other hand, when I try to find blogs like my own, where a family is living super frugally and being pretty transparent about how they spend their money then I think, "Maybe I am providing something unique." I do feel strongly about the messages behind my writing. I am passionate about helping people live simply and reject consumerism as much as they personally feel that they can. I want absolutely everyone to experience the freedom that comes from living debt-free.

Some of you have been emailing me and asking me questions and I love that! I find it very encouraging. I'm working on some blog posts that address your specific reader questions. So, I guess I am still in the blogging game. Maybe I just needed to vent. Or maybe I needed my readers to know that I'm not perfect and I that I get discouraged sometimes too. Whatever the reason for my ramblings, thanks for listening.

I've been feeling like readers want more specific information about how to live so simply. Do you think that's true for you too? Like what exactly do I buy for groceries, how do I get so many freebies, and where do I get clothes for my family without buying them? What do you think?

Wednesday, March 28, 2012

Cheap and vegan banana milk

I'm always looking for affordable dairy alternatives so I was super excited when I discovered a recipe for banana milk in an old book. It only cost me about 17 cents (per one cup serving) to make!  It would've been even cheaper if I'd had some free bananas on hand. This is also a great way to use up bananas that are starting to go bad.

Here's how I made it:

I filled my blender half way with ice water.

Then I added two sliced bananas.

I added some maple syrup, vanilla, and then blended until smooth. I poured directly into glasses for tasting!

3 cups ice water
2 bananas
1 TBS liquid sweetener
1/2 tsp vanilla
We enjoyed this milk alone and with homemade granola. It was a hit with everyone! If you store this in the fridge for later or let it sit for any amount of time, you will need to stir it before serving.

What's your favorite kind of milk? Have you ever made your own dairy-free milk? Do you know of a cheaper milk recipe?

Monday, March 26, 2012

Cleaning mildew off siding naturally

The north side of our house had mildew growing on it.


Mildew close-up

We have a power washer, but I didn't want to go through the hassle of finding it (since the move) and using it. Also, our water bill seems to be on the rise lately. So, I wanted to choose an option that wouldn't use as much water.

I filled a bucket with 1 cup vinegar, a squirt of  soap, and warm water. I got a rag and started wiping. The mildew came off very easily!


I only used two small buckets of water. I used the water I washed with to rinse, by throwing it on the side of the house. I certainly think a power washer would've used more water, so I'd say this method was a great success!

At some point I'll probably need to clean the siding above the windows so I may use the power washer for that. Or, I may just use a ladder and a mop.

Does your house have a side that grows mildew? How do you usually clean it?

Friday, March 23, 2012

Cookies Made from Leftovers

Someone gave me some sweet potatoes and I thought it would fun to make a creamy soup before warm weather gets here. I made some sweet potato soup from this recipe:
  • 2 tablespoons oil
  • 1 onion, diced
  • 1/2 teaspoon ground cardamom
  • 1/4 teaspoon ground turmeric
  • 1/4 teaspoon ground ginger
  • 1/4 teaspoon red pepper flakes
  • 1/4 teaspoon ground cinnamon
  • 1 pinch cayenne pepper
  • 2 cups water or broth
  • 2 cups water
  • 2 large sweet potatoes, peeled and diced
  • 3 carrots, chopped
  • Salt and pepper to taste

Boil the sweet potatoes. Saute the carrots and onion. Add the other stuff and let it simmer for about 20 minutes. Puree the soup until it is a consistency you like.

While I really liked this soup, no one else in my family did. I ate it by myself for a couple of days and still had leftovers. What was I going to do with all this soup? How could I trick my family into eating it? The answer to this question is always: Make a dessert out of it!

Leftover Sweet Potato Cookies
  • 1/4 cup milk (I used rice milk)
  • 2 cups all-purpose flour
  • 1 teaspoon baking powder
  • 1/2 teaspoon salt
  • 1/4 cup oil
  • 1/4 cup white sugar
  • 1 teaspoon ground cinnamon
  • 1/4 cup maple syrup
  • 1 1/2 cup leftover pureed sweet potatoes
  • 1/2 teaspoon baking soda
If you are making cookies--especially cookies from leftovers where you may be adapting a recipe--make sure you are keeping an eye on the consistency of your batter. You don't want it to be too runny or too dry. Add/subtract wet and dry ingredients as needed to obtain a good cookie dough consistency.

I adapted the above recipe from a pumpkin cookie recipe. I omitted the eggs, instead adding pureed leftovers. I substituted oil for the butter and halved the amount it called for. I also reduced the sugar.

The sweet potato cookie dough

Bake them at 350 until they are done (about 10 minutes).


A delicious half eaten cookie

Do you make desserts out of leftovers that don't get eaten? If so, what do you usually make?

Tuesday, March 20, 2012

Free garlic!

I'd previously told you how my local grocery store gives things away for free instead of throwing them in the dumpster. I love them for that! I've scored many free bananas and other marked down items. This winter I got my hands on some sprouting garlic! I knew it was the total wrong time of year to be planting garlic, but I just can't resist a freebie!

The sprouted free garlic

So, I brought home six bunches of garlic and the kids and I did a little gardening project as part of our homeschool day. We talked about how to prep the soil, how to plant garlic, and what it needs to grow. Since it had been an unseasonably warm winter, prepping the dirt wasn't as difficult as it should've been.

Planting the garlic in our flower bed

Since it was January, we created little "hot boxes" for our garlic by taking clear Rubbermaid containers and setting them upside down on top of the planted garlic. We put a brick on top of the containers to hold them in place. (You can see the containers we used in the background of the above picture.) We removed the hot boxes this spring and I couldn't believe how much the garlic had grown!

Our thriving garlic when we removed the hot box
I love getting free stuff! I love it even more when that free stuff can be planted so it can keep producing even more free stuff!

Does your store mark down or give away produce that's starting to sprout? When your garlic at home starts to sprout, do you plant it? What about potatoes and other items?

Monday, March 19, 2012

Laying tile in the bathroom

I have a confession. Our bathroom smelled. All the time. Like urine. I would scrub and mop, but it was still stinky. We discovered where that smell was coming from last week when we ripped up the existing floor.

The bathroom floor, BEFORE

The flooring in our bathroom consisted of two layers of peel and stick tiles, very poorly laid.

The main problem was how the peel and stick didn't meet up with the toilet, allowing for years worth of yuck to build up around the toilet base.

So we decided to pull it up and replace it with tile. Here's the steps we took to lay the tile.

Strip down the existing flooring

Remove the toilet, then screw in Hardy-backer board

Spread thin set mortar then lay tile with spacers

Then we put the toilet back in, grouted the tile, let it dry for 16 hours and now we have a beautiful tile floor.

Put toilet back in and grout tiles

I still have to seal the grout, and mop the new floor but other than that it is done! Our bathroom looks and smells SO much better.

The project supplies cost less than $100, including the $15 it cost to rent the wet saw to cut the tile.

Have you found that replacing flooring makes a huge difference? Have you ever had a smelly room?

Friday, March 16, 2012

Giving Time 4 Learning a Try

Since some of my readers have heavily endorsed Time 4 Reading AND since Homeschool Buyer's Co-op is doing a free 30 day trial, I've decided to give it a try! We'll be starting it today!

I've been invited to try Time4Learning for one month in exchange for a candid review. My opinion will be entirely my own, so be sure to come back and read about my experience. Time4Learning can be used as a homeschool curriculum, for afterschool enrichment and for summer skill sharpening. Find out how to write your own curriculum review for Time4Learning.

This week we've done lots of projects around the house including cleaning up the yard and laying new tile in the bathroom! I'll fill you in on all the details next week. Have a great weekend!

If you homeschool, do you use an on-line or boxed curriculum?  Have you ever tried Time 4 Learning?

Wednesday, March 14, 2012

Cheaper, healthier bread

I spent all day last Wednesday with my friend who bakes bread professionally. She let me help her out for a day in exchange for giving me tons of bread making tips and advice. Based on this advice, I have improved my own bread making tremendously. In the Bushman household, we don't buy any store-bought bread. Ever. This is because it is fairly easy for me to plan ahead and make a bread supply enough for the four of us. It is also cheaper, healthier, and tastier than store bought bread.

Previously I'd told you about my no-fail bread recipe. After baking with my friend, I've made improvements by cutting out the sugar and oil completely out of our bread. This makes my new bread recipe even healthier and cheaper. I've also picked up some techniques that help my bread rise optimally and not be too dense. This means I can now easily make a very good bread that is 100% whole wheat, which is something I could not do before. Lastly, the techniques I've learned make my bread much more visually appealing than ever before. Allow me to walk you through my new, improved bread baking routine:

Put 2 1/4 cup warm water, 4 1/2 tsp yeast, 5 cups whole wheat flour and 1 1/2 tsp salt into a stand-up mixer and mix for about 5 minutes. Scrape the dough off the sides and mix again for another two minutes.

Flour your surface. Throw half the dough on the table and pat in an oblong flat shape like so:

This doesn't look oblong, but it should. :)

Fold down the top 1/3. (At every fold make sure you press firmly, getting rid of any bubbles.)

1st fold

Now make a point fold by folding each side of the top to create a triangle. Again, press down to seal and remove air bubbles.
2nd fold (triangle)

Fold it all completely over and seal with the heel of your hand all around the edge to remove air bubbles.

Last fold. As I press it I think of a smiling mouth.

Roll it over so that your crease/smiling mouth is now on the bottom. Cup your hands to shape it into a loaf and make it look nice and neat.

That smiling mouth/crease is now on the bottom where you can't see it.

Repeat for the second half of the dough. (One batch makes two loaves.)

Allow loaves to rise for thirty minutes to an hour. (If bread seems to collapse or gets super dimply, it has over-risen and you will need to refold and reshape it. This time only let it re-rise for about 10 minutes.) Wet the top of each loaf, all over and make three slash marks on it with a knife like this:

Put it on an oiled cookie sheet. Bake at 350 until it is toasty brown on top.

My 100% whole wheat beautiful loaf!

When you lift it up and look on the bottom it should be dark brown. It is better to overbake bread than underbake it.
The bottom of my loaf

You should let it cool for at least 15 minutes before you cut it. Otherwise, the middle can still seem doughy even when the bread is fully cooked.

And there you have it: all the great tips I learned from a day with a professional baker!

When I think of all that unnecessary white flour, sugar and oil I put in my bread I can't help but cringe a little. Still, this is what the frugal life (or any life, really) is all about, right? Live and learn.

Have you tried baking your own bread? How did/does it turn out? What do you put in your bread?

Tuesday, March 13, 2012

Extreme Frugality: Festival of Frugality

I am so excited to be the host of Festival of Frugality this week! To all of my regular readers who don't know, Festival of Frugality happens every Tuesday. Bloggers send in their best frugal ideas and one frugal blogger gets to play host and choose the best of the best frugal ideas to post.

When I look for blogs to read, I am usually looking for someone who is living a lifestyle similar to us, which I would term Extreme Frugality. I know most people out there are not raising their families on one part-time income like the Bushmans, but this week I wanted to spotlight those ideas from bloggers that I consider to represent the extreme. Are they too extreme? I’ll let you be the judge . . .
Photo by Nexus 6 Photography

Extreme Driving
Everyday Money Info, Free From Broke, and Rambling Fever Money tell you how to save on car gas.
Young Family Finance suggests you find an alternative to your car for transportation.

Extreme Family Planning
Sustainable Personal Finance tells you how to buy a used engagement ring!
Money Spending Mommy shows how to save on nursery decorating.
Free family activities are provided by The Family Wallet.
Personal Finance Money tells you why they didn’t buy a house.

Extreme Living
Little House in the Valley is speaking my language by advocating debt minimalism.

Prarie Ecothrifter tells us how to throw a frugal party.
Your Life, Their Life looks at how to save on clothing costs.
Money Q and A has suggestions for moving on the cheap.
Dr. Dean and Shopping Detox even take financial lessons from fictional books!
Personal Dividends actually suggests there are times when DIYing won’t save you money.

Extreme Vacationing
What about vacations? Free Money Finance suggests you BYOB to save on a cruise.
Thiftability thinks staying home is a better plan.

Extreme Eating
Passive Family Income is talking about black beans and their benefits.
One Money Design wants to help you save on groceries.

Extreme Beauty Tips
Stupid Cents advises cutting your own hair.
Mom’s Plan explains ways to look good this summer that are low or no cost.

Extreme Budgeting
Smart Wealth tells you how to break up with your credit card.
Smart on Money wants to make sure we don’t get cheated.
Married (with debt) will give you a free spreadsheet to get started tracking your budget. (Since I love to budget, I already requested mine!) Finance Fox talks about the importance of having a budget. Use this advice from Boomer and Echo to make your own extreme budget.

Before you can make an extreme budget, it helps to understand why you’re spending. The Broken Coin wants to help you answer that question.
Live Real, Now wants to show you how to resist the temptation to spend.  Start Investing Money suggests you pay yourself first. Save money by using free stuff, says Master the Art of Saving.
If you want to know how to survive inflation read Steadfast Finances.
KrantCents will tell you the Three Gs of Success. 
And perhaps, most extreme: Is Saving Advice really recommending we change our friends to save money?

Extreme Working
Money Reasons shows you how to work two jobs at once!
How to save for retirement on a small budget comes from Early Retirement Investments.
PT Money suggests we collect aluminum cans for cash.
Watson Inc wants you to rethink job security.
Wealth Informatics asks, are men financially irrelevant?

I hope you enjoyed this edition of Festival of Frugality! What's your favorite extreme frugality tip? Do you think any of these bloggers have advice that is too extreme?

Monday, March 12, 2012

Starting plants from seed

Growing a garden is definitely thrifty. Starting a garden from plants you buy can be quite an investment, though. Of course, it is still cheaper than buying produce at the store, but if you want to be ultra-thrifty when you garden, starting your garden from seed is the way to go.

Starting your garden from seed does take some planning. Depending on where you live, you should probably be starting to plant when its still technically winter. (Look on the back of your seed package or on your seed supplier's website for information specific to your growing region.)

I've started some salad greens in my window sill.

Swiss chard, spinach and lettuce mix

Even though I plant a few containers with edibles, my primary way of starting plants from seed is the rolling greenhouse that my old neighbor gave me. I keep it in our southern facing picture window and my plants seem to like it pretty well. The first year I grew things from seed I used a grow light, but this greenhouse works better and uses no electricity.

My greenhouse

I've seen these greenhouses at garage sales and at home improvement stores. If you are serious about starting your garden from seed, I highly recommend investing in or making a greenhouse of some sort.

Here are some of the seedlings that I started. I planted quite a few things, but so far what's come up in my greenhouse are tomatoes, cabbage, onions, celery, and basil. I planted about fifteen varieties of both tomatoes and peppers since they are the things I like most!

A close up of my white currant tomatoes, with purple tomatoes and cabbage in the background.

A couple of basil plants

 So where do I get my seeds?

Above is my absolute favorite seed catalog from Baker's Creek. Secondly, I like to get the catalog from Southern Exposure Seed Exchange. But I recently learned the real heirloom seed bargains can be found at FEDCO.

If you have never started things from seed, you should give it a try! It is so fun and frugal and, when you order from heirloom seed companies like those above, you can get all kinds of interesting varieties of plants that grocery stores don't carry. It is important that people help preserve these varieties.

Growing your own food also gives you and your family an appreciation for food and a connectedness to the food you eat. Kids will often try new foods if they helped grow them. Gardening also makes a fabulous educational activity for kids. There are too many great things about gardening to name them all!

Do you garden? If so, do you start things from seed? Are there some things that you think just aren't worth the trouble of growing?

Friday, March 9, 2012

Totally natural and biodegradable laundry soap

When I started my blog I shared with you the laundry recipe I was using at the time. However, I have recently changed the recipe I'm using for two important reasons:

1. I wanted something more natural than Fels-naptha. 

Here are the ingredients in Fels-naptha: Soap (sodium tallowate*, sodium cocoate* (or) sodium palmate kernelate*, and sodium palmate*), water, talc, cocnut acid*, palm acid*, tallow acid*, PEG-6 methyl ether, glycerin, sorbitol, sodium chloride, pentasodium pentetate and/or tetrasodium etidronate, titatium dioxide, fragrance, Acid Orange (CI 20170), Acid yellow 73 (ci43350)

Here are the ingredients in Kirk's Castile Soap: Coconut soap, water, vegetable glycerin, coconut oil

2. The recipe I used was no longer getting our things as clean as I thought it should.

I decided the solution would be to substitute Castile soap for Fels-naptha and quadruple the amount of Borax and Washing soda. (I'd experimented with doubling, but still felt it needed to be stronger.)

So, here is my new recipe. It works GREAT!

Pour 6 cups of water into a stock pot on medium heat. Grate in an entire 4 oz bar of Kirk's Castile Soap. (If you don't know where you can get a bar of Castile soap, try here.)

When that has dissolved add 2 cups of Borax and 2 cups of washing soda.When all three items have dissolved, remove from heat.

Fill a two gallon bucket with cold water almost to the top, leaving room to pour in your soap from the stove. Pour your mixture from the stove in.

Stir like crazy. Cover and let it set for 24 hours.

After 24 hours, it will separate and clump. This is an extra concentrated version so it is extra clumpy.

The clumping is normal. Stir it like crazy again. Now you can pour into whatever you use for your laundry soap container. Just don't forget to shake before every use. Use 1/4-1/2 cup in each load. If you have a front loader, you may need even less.

I know many of you have switched to the homemade laundry soap and love it. Do you think you might try this even more natural, yet stronger alternative?

(I'm linking this post up to the Frugal Days, Sustainable Ways Blog Hop.)

Thursday, March 8, 2012

A No-fail Environment

I did a post for Amy's Finer Things this week and I didn't want you to miss it. In it, I talk about how to set up no-fail environment for yourself, which is one of the most important aspects of frugal living. Without the right environment, success will be difficult if not impossible. Don't set yourself up for failure.

I hope you find the post helpful. Here it is!



Wednesday, March 7, 2012

DIY Toy: Tin Can Stilts

When I was young, my mom helped me make a toy she loved to play with when she was a kid, tin can stilts. I loved those things and played with them for hours. Recently, I decided to carry on the tradition and make the stilts for my own children. If you'd like to make your own, here's all you need:

The supplies

Two used large juice or family sized cans
Thick yarn, twine, old shoes laces or other tough string-like material
Lever-type can/bottle opener

Turn your cans upside down so that the opening faces down. Puncture two holes opposite each other on top of each of the can, like this:

Then measure your string material so that it will reach from the can to the belly button of your child and back again. Cut it. Thread it through the tin can, like this:

Repeat for the second can. Now the stilts are ready for your children to have fun! My kids love these. They had some friends over the evening we made them and they were a hit with all ages.

Walking around on stilts
Did you have stilts when you were a kid? Were they homemade? What is your favorite DIY toy?

Monday, March 5, 2012

Our story: How we paid off $62,000 in four years!

Two of my best friends are currently working their way through paying off all their debt. My girlfriend said she thought paying off debt was a bit like having a child in that you forget about how hard it was after you get the outcome of the labor. She might be right.

About five years ago, I had a surgery that forced me to leave my current job and accrue $30,000 in medical debt which wasn't covered by the insurance I had at the time. We didn't have a savings and we'd just sold our three bedroom, one bath house and bought a four bedroom, two bath, two living area house. In total we owed $160,000 including our mortgage. It seemed pretty clear that we had put ourselves in a bad situation and we needed to work hard to get rid of all that debt.

My husband took a second job. I took an on-call overnight job that I was allowed to work while I was on medical leave. When my medical leave was over, I also took a second job. We each had two jobs (one full-time and one part-time) and we also decided  to rent out our extra bedroom and living room to a relative.

This was a hard time. Our marital relationship suffered horribly. We were never together. Never. Our kids would even say things like, "Mom, Daddy's home. Its time for you to go to work." Still, we pushed through and paid off all debt except our mortgage. Even though we didn't pay the mortgage off, we did manage to get it down to $98,000 from its original $130,000.

Once we got rid of the $30,000 in medical and paid our mortgage down to the point that we could refinance into a conventional loan (because we finally had at least 20% in equity), my husband quit his full-time job and took a part-time job elsewhere. I got promoted at work and quit my part-time job. So, we were down to one full-time job (me) and one part-time job (him). Once we finally had the savings account we should've had before, I left my full-time job and took a part-time job on-line so I could began homeschooling our kids. We were living on two part-time incomes comfortably even though we still had a house payment of $750/month! The reason this wasn't a struggle was because we were so used to living ultra frugally in order to pay off all that debt!

We both really loved working part-time and homeschooling our kids. It was nice to finally spend some time together as a family (although there was lots of initial conflict as my husband and I were not used to spending time together). We decided our ultimate goal was to live debt free and to make our home as self-sufficient and thus, as low cost as possible.

We were still living in our four bedroom home, although our relative who was renting had moved out. We had fruit trees, grapes, gardens, and chickens, but in order to start on our path to being debt free we needed to get rid of the $98,000 mortgage. We looked at buying a cheaper house in our current city and found a place for $80,000 which we really loved, but it had a small yard and was on a busy street. Still, we could sure pay an $80,000 house down faster than a $130,000 house. We prepared to make an offer on that house, but someone else bought it because we dragged our feet only one day too long!

That summer we went on a camping vacation where we visited a more rural area. We liked it. We made a couple of friends who lived nearby. It seemed like a place where people were living a simpler, slower pace of life. We went home and talked about moving there, but doesn't everyone talk about moving somewhere after a good vacation?

For the next two months we focused heavily on repairing our marriage from our years of disconnect. Then, one day we decided we should really just take the plunge and move. We had looked at a house in the area of our vacation and we decided to make an offer on it. It was listed for $17,500 and was in pretty rough shape. There was mold in the attic, ceiling leaks everywhere, and it smelled horrible. We offered the owner $10,000. We thought he might be offended, but he came back with $15,000. Negotiations had begun! As you all know, we got the house for $13,000. He was holding at $14,000, but when we said we would close quickly and pay in cash, he agreed to the lower price.

Perfect, right? But, wait. We still didn't have a plan for that big $130,000 home.

Our old house in the city
The housing market was terrible and we didn't think it would sell. We went back and forth between whether to list it with a realtor or put it up for rent. We decided to go with a realtor because we knew we were going to be living on a very small budget and we didn't want to deal with someone deciding not to pay their rent.

The realtor came by to pick up the key. Luckily, though we didn't sign a contract with her. Here's why . . .

Our old house was about 1800 square feet and our new house is 850, so we were selling things like crazy on Craigslist to prepare for the downsize. Things were selling so well and quickly, I thought, "What if I listed the house on Craigslist?" I did, and it sold in five days! The best thing was the new owners wanted to move in right away and they did not want us to fix or paint anything because they planned to remodel the place to their tastes. This was great news because I really did not have the energy to do a bunch of painting on our old house and then turn around and do a bunch painting for our new house.

My husband quit his part-time job, we packed up the U-haul, and moved to live our simple, debt free life, on only one part-time income. As I tell this story, even I am amazed that we paid of so much debt so quickly. I always tell people that we paid off $30,000 in a year and a half. That's true, but we also paid down $32,000 on our mortgage! I honestly forgot about that. So that's a total of $62,000 in debt repayment in a span of about four years.

That's our story. We have been there. We have paid stuff off. We have worked two jobs each. What we have now is our reward, which is a simpler life with lots of time together.

What about you? Do you see yourself somewhere in this story? Was it helpful to learn more about our journey?

Friday, March 2, 2012

Cheap and Vegan Brownies

I've been on quite a brownie kick lately! I'm so proud of the recipe I've been using because it is my very own! That's right, I made it up! And they are so good, and low sugar, and vegan, AND they have fruit hidden in them. I know you're gonna love them!

Bobbie's Brownies

1/2 cup oil
1 cup sugar
2 tsp vanilla
1/2 tsp salt
1/2 smashed banana (or 1/4 cup applesauce, but the banana is better in this recipe)
1/2 cup cocoa
1 tsp baking soda
2 cups flour
1 cup water

After this is all mixed up, get about 3/4 cup of almonds, chop them up, and put those in. (You could omit the nuts and it would certainly make the recipe cheaper, but they are SO good in there, especially with the hint of banana.)

Bake this at 350 degrees until you can stick a fork in the middle and have it come out clean.

Here's my finished product.

What do you think? Do you have an awesome brownie recipe to share?
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