{"id":240,"date":"2019-01-11T20:46:32","date_gmt":"2019-01-11T20:46:32","guid":{"rendered":"http:\/\/www.goingfinancial.net\/?page_id=240"},"modified":"2021-07-06T07:27:40","modified_gmt":"2021-07-06T12:27:40","slug":"services","status":"publish","type":"page","link":"https:\/\/www.goingfinancial.net\/services\/","title":{"rendered":"Services"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"240\" class=\"elementor elementor-240\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-56f483f6 elementor-section-stretched elementor-section-full_width elementor-section-height-min-height elementor-section-height-default elementor-section-items-middle\" data-id=\"56f483f6\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-64ac66cf\" data-id=\"64ac66cf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-63ae048f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"63ae048f\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-245d16a7 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"245d16a7\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-524d74cd elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"524d74cd\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-36229e7f\" data-id=\"36229e7f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a43f9ef elementor-widget elementor-widget-heading\" data-id=\"a43f9ef\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Comprehensive Services for a Focused Clientele<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d319229 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d319229\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b190d4e\" data-id=\"b190d4e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8bcde41 elementor-widget elementor-widget-text-editor\" data-id=\"8bcde41\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignleft wp-image-470\" src=\"https:\/\/www.goingfinancial.net\/wp-content\/uploads\/2019\/03\/doctor-computer.jpg\" alt=\"\" width=\"478\" height=\"300\" srcset=\"https:\/\/www.goingfinancial.net\/wp-content\/uploads\/2019\/03\/doctor-computer.jpg 637w, https:\/\/www.goingfinancial.net\/wp-content\/uploads\/2019\/03\/doctor-computer-300x188.jpg 300w\" sizes=\"(max-width: 478px) 100vw, 478px\" \/>In today&#8217;s world of financial complexity, you need strategies that <strong>simplify<\/strong> and <strong>support<\/strong> your vision for a future filled with possibilities. Going Financial works exclusively with physicians and their medical practices to help keep their vision of financial independence in focus.\u00a0<\/p><p>As Advisory Representatives of Lincoln Financial Securities, our personal financial planning and asset protection process incorporates the full spectrum of wealth management, retirement and education planning, insurance planning, group benefits, tax strategies and estate planning.<\/p><p>We also deliver benefits solutions to doctors&#8217; offices and hospitals, taking a consultative approach to health insurance planning that is designed to lower overall costs while providing a quality benefit to your employees. By utilizing revolutionary consumer-driven tools, we enable our clients to consistently save significant out-of-pocket costs compared to traditional health plans.<\/p><p>Going Financial also works with medical residents, teaching financial fundamentals that enable tomorrow&#8217;s practitioners to lay the groundwork for a successful practice.<\/p><p>Every step of the way, our priority is to make recommendation that are unbiased and not restricted by proprietary products.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a35e5e9 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a35e5e9\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-b192c04\" data-id=\"b192c04\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f237b86 elementor-widget elementor-widget-heading\" data-id=\"f237b86\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Comprehensive Planning*<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9367dc5 elementor-widget elementor-widget-text-editor\" data-id=\"9367dc5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>Developing a financial plan<\/li><li>Managing &amp; eliminating debt<\/li><li>Determining the right kinds &amp; amounts of insurance, protecting the things you can afford to lose the least<\/li><li>Creating a spending plan<\/li><li>Providing for your family<\/li><li>Making the most of your paycheck<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-585fc27\" data-id=\"585fc27\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4539d92 elementor-widget elementor-widget-heading\" data-id=\"4539d92\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Wealth Management*<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50cf096 elementor-widget elementor-widget-text-editor\" data-id=\"50cf096\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>Education funding<\/li><li>Pursuing your long-term goals<\/li><li>Managing investment risk<\/li><li>Retirement planning<\/li><li>Developing an income strategy for retirement<\/li><li>Controlling your spending<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-94727f1 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"94727f1\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-11779e4\" data-id=\"11779e4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2bc4975 elementor-widget elementor-widget-heading\" data-id=\"2bc4975\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Wealth Protection<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68a7b6a elementor-widget elementor-widget-text-editor\" data-id=\"68a7b6a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>Asset protection strategies<\/li><li>Income protection<\/li><li>Providing for your family<\/li><li>Tax reduction strategies<\/li><li>Legacy planning<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-75acb46\" data-id=\"75acb46\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3220985 elementor-widget elementor-widget-heading\" data-id=\"3220985\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Practice Enhancement<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e71029 elementor-widget elementor-widget-text-editor\" data-id=\"0e71029\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>Attracting &amp; retaining key employees<\/li><li>Establishing a qualified retirement plan<\/li><li>Creative health insurance plan design<\/li><li>Business loan protection<\/li><li>Deferred compensation plans<\/li><li>Keeping the practice afloat while you&#8217;re out<\/li><li>Employee education<\/li><li>Practice succession planning.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-64efae8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"64efae8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-493fe29\" data-id=\"493fe29\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fec7cc9 elementor-widget elementor-widget-heading\" data-id=\"fec7cc9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Physicians Need to Know About Disability insurance<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a12ce9d elementor-widget elementor-widget-spacer\" data-id=\"a12ce9d\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78c796a elementor-widget elementor-widget-video\" data-id=\"78c796a\" data-element_type=\"widget\" data-settings=\"{&quot;video_type&quot;:&quot;hosted&quot;,&quot;show_image_overlay&quot;:&quot;yes&quot;,&quot;image_overlay&quot;:{&quot;url&quot;:&quot;https:\\\/\\\/www.goingfinancial.net\\\/wp-content\\\/uploads\\\/2021\\\/06\\\/Disability-Insurance-Video-Thumbnail.png&quot;,&quot;id&quot;:642,&quot;size&quot;:&quot;&quot;},&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"e-hosted-video elementor-wrapper elementor-open-inline\">\n\t\t\t\t\t<video class=\"elementor-video\" src=\"https:\/\/www.goingfinancial.net\/wp-content\/uploads\/2021\/06\/Disability-Insurance-video.mp4\" controls=\"\" preload=\"metadata\" controlsList=\"nodownload\"><\/video>\n\t\t\t\t\t\t<div class=\"elementor-custom-embed-image-overlay\" style=\"background-image: url(https:\/\/www.goingfinancial.net\/wp-content\/uploads\/2021\/06\/Disability-Insurance-Video-Thumbnail.png);\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-custom-embed-play\" role=\"button\" aria-label=\"Play Video\" tabindex=\"0\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-play\"><\/i>\t\t\t\t\t\t\t<span class=\"elementor-screen-only\">Play Video<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-712231d elementor-widget elementor-widget-text-editor\" data-id=\"712231d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tSource: Stanley, Thomas &#038; Danko, William. The Millionaire Next Door. Marietta, GA, Longstreet Press, 1996.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed5689c elementor-widget elementor-widget-text-editor\" data-id=\"ed5689c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tYour future\nincome is likely your largest asset. We think to insure our houses,\nour cars and even our lives, but what about the millions of dollars\nyou\u2019ll earn over your career? This report entitled \u201cWhat Every\nPhysician Should Know About Disability Insurance\u201d will give you the\nknowledge you need to make an informed decision.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6aac7f uael-button-halign-left uael-button-stack-none elementor-widget elementor-widget-uael-buttons\" data-id=\"d6aac7f\" data-element_type=\"widget\" data-widget_type=\"uael-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"uael-dual-button-outer-wrap\">\n\t\t\t<div class=\"uael-dual-button-wrap\">\n\t\t\t\t\t\t\t\t<div class=\"uael-button-wrapper elementor-button-wrapper uael-dual-button elementor-repeater-item-24e0ceb uael-dual-button-0\">\n\t\t\t\t\t<a class=\"elementor-button-link elementor-button elementor-size-sm elementor-button-link\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjY3OSIsInRvZ2dsZSI6ZmFsc2V9\">\n\t\t\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper uael-buttons-icon-\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-align-icon- elementor-button-icon\">\n\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text elementor-inline-editing\" data-elementor-setting-key=\"buttons.0.text\" data-elementor-inline-editing-toolbar=\"none\">Request a Free Report<\/span>\n\t\t<\/span>\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"uael-button-wrapper elementor-button-wrapper uael-dual-button elementor-repeater-item-96aeeec uael-dual-button-1\">\n\t\t\t\t\t<a class=\"elementor-button-link elementor-button elementor-size-sm elementor-button-link\" href=\"https:\/\/www.goingfinancial.net\/quote-request\/\">\n\t\t\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper uael-buttons-icon- elementor-button-content-wrapper uael-buttons-icon-\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-align-icon- elementor-button-icon\">\n\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text elementor-inline-editing\" data-elementor-setting-key=\"buttons.1.text\" data-elementor-inline-editing-toolbar=\"none\">Request a No Obligation Quote<\/span>\n\t\t<\/span>\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-156c269 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"156c269\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1a00a51\" data-id=\"1a00a51\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9775d4d elementor-widget elementor-widget-text-editor\" data-id=\"9775d4d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><i>*<\/i><i>The professionals of Going Financial as representatives of Lincoln Financial Securities offer investments, financial planning and advisory services. Lincoln Financial Securities &amp; Going Financial are not affiliated companies.<\/i><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Comprehensive Services for a Focused Clientele In today&#8217;s world of financial complexity, you need strategies that simplify and support your vision for a future filled with possibilities. Going Financial works exclusively with physicians and their medical practices to help keep their vision of financial independence in focus.\u00a0 As Advisory Representatives of Lincoln Financial Securities, our [&hellip;]<\/p>\n","protected":false},"author":34,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"post_statement":"","post_description":"","post_cta":"","post_button":"Read More","post_button_url":"","footnotes":"","compliance_id":"","post_disclaimer":""},"oi_page_folder":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Services - Going Financial<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.goingfinancial.net\/services\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Services - Going Financial\" \/>\n<meta property=\"og:description\" content=\"Comprehensive Services for a Focused Clientele In today&#8217;s world of financial complexity, you need strategies that simplify and support your vision for a future filled with possibilities. 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