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Bad Credit First Time Buyer Home Loans 5 Tips For Getting A Low Interest Rate

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Bad Credit First Time Buyer Home Loans 5 Tips For Getting A Low Interest Rate

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By Marie-Claire Smith

Are you in the market to buy a home for the first time? Congratulations! Just having made the decision to buy a home means you are further down the path toward home ownership than you may think.

Sure, you may experience some stumbling blocks along the way. For example, you may have some anxiety about not fully understanding every detail of the mortgage loan process. Or, maybe you are concerned that your low credit score could hold you back from qualifying for a loan. These feelings are all totally understandable – and you no doubt share them with just about everyone else who has ever prepared to buy a home for the first time.

In terms of the home-buying process, you will find that you will feel better after doing some research on how it works. It may be helpful for you to talk with a friend, co-worker, or family member about their experience with how the process works.

When it comes to your credit score, it is true that your score does play an important role in whether you will be approved for a loan – and what your interest rate will be once you are approved. Still, your credit score does not have to hold you back from getting approved for a home loan.

If you are looking for bad credit first time buyer home loans, consider these 5 tips for helping you find a low interest rate:

[youtube]http://www.youtube.com/watch?v=2W9f6R1Qo5Q[/youtube]

1. Remember that you are NOT your credit score:

Start by looking at yourself in the mirror and saying, “I am NOT my credit score.” Why is this important? Because, people with bad credit scores can get so down on themselves that they start equating their own chances for securing a loan with their FICO score. This is just not necessary, so do yourself a favor and get rid of that misconception right away.

2. Use your lack of experience in buying a home to your advantage:

Do not listen to everybody you know who is more experienced at buying homes than you. If they try to tell you what CANNOT be done, you will probably just stop in your tracks and quit trying for the home of your dreams. Instead, take a bit of pride in your “beginner’s mind” and just let the home-buying process unfold for you.

3. Check out FHA first time buyer programs:

You should build up a list for yourself of bad credit home loan lenders. Use a mix of lenders you find online and FHA-approved lenders who may be able to offer you deals through special first time home buyer programs.

4. Study and become familiar with your current credit reports:

Go ahead and order your latest credit reports from the 4 major reporting bureaus. Remember that your credit score will differ a bit from one to the next. Go through each report and take notes. Write down, in particular, anything that stands out as being fishy or obviously incorrect. Report any errors to the bureau who issued the report and get them corrected.

5. Do not stop until you have applied for a loan to at least 3-5 bad credit home loan lenders:

Now, it is time to start applying for loans. Be sure to apply to at least three to five of the bad credit lenders on your list. In fact, do not stop until you have applied to all of them.

Now you are ready to go out there and land your first time home buyer home loan. Good luck -and do not let anybody tell you that it cannot be done. Just get out there and make it happen. You can do it!

About the Author: Get access to more first time bad credit mortgage tips and lending resources at: First Time Bad Credit Mortgages.

Source: isnare.com

Permanent Link: isnare.com/?aid=666021&ca=Finances

  • 7 Mar, 2022
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Wikinews interviews Mark Bunker, producer of anti-Scientology website ‘XenuTV’

Monday, February 18, 2008

Television producer and owner of the anti-Scientology website www.xenutv.com (XenuTV), Mark Bunker, also known as Wise Beard Man, chatted online with Wikinews for nearly three hours. More than 120 people followed the interview live (many from Project Chanology), which makes this exclusive Wikinews interview our most attended IRC interview to date.

Bunker started XenuTV in 1999 and began to make videos that he provided for the Lisa McPherson Trust. Bunker has been a critic of the Church of Scientology since 1997.

In 2006, he won a Regional Emmy Award after he and KUSI-TV news reporter Lena Lewis produced a documentary news video on the issues with the United States – Mexico border with San Diego, California.

Contents

  • 1 The Interview
    • 1.1 Questions from IRC users
  • 2 Sister links
  • 3 Sources
Retrieved from “https://en.wikinews.org/w/index.php?title=Wikinews_interviews_Mark_Bunker,_producer_of_anti-Scientology_website_%27XenuTV%27&oldid=4567680”
  • 7 Mar, 2022
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San Francisco mother of 12-year-old boy who was mauled to death charged with child endangerment

Sunday, June 26, 2005

Maureen Faibish of 711 Lincoln Way San Francisco, CA was arrested on June 24, 2005 on the charge of child endangerment in the actions leading up to the death of her son, 12-year-old Nicholas Faibish, who was mauled by one or both of her two pit bull dogs, Rex 2 and Ella.

Nicholas was discovered dead in the front bedroom of her home at approximately 15:15 PDT on June 3, 2005, by his mother, who had left the house to run some errands. She had locked her son in the basement to keep him away from the dogs. “I put him down there, with a shovel on the door.”, Faibish said in a telephone interview to the San Francisco Chronicle. “He had a bunch of food. And I told him, ‘Stay down there until I come back.’ Typical Nicky, he wouldn’t listen to me.”

Faibish stated that she believes that her son had walked in when Rex 2, a male pit bull, was attempting to mate with Ella, a female pit bull who was in heat at the time. She stated that Rex 2 had been acting possessively prior to the incident. A police officer shot and killed Ella in order to gain entry to the apartment. Rex 2 was captured and removed to an animal shelter. “The police killed the wrong dog if you ask me.”, Faibish said.

Retrieved from “https://en.wikinews.org/w/index.php?title=San_Francisco_mother_of_12-year-old_boy_who_was_mauled_to_death_charged_with_child_endangerment&oldid=722392”
  • 3 Mar, 2022
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Billboard holds benefit Oscar party for Children Uniting Nations

Tuesday, February 27, 2007

Wikimedia Commons has more media related to:

79th Annual Academy Awards Children Uniting Nations/Billboard afterparty

Professional photographer John B. Mueller was at the Children Uniting Nations/Billboard Academy Awards afterparty red carpet, taking photos for Wikinews. It is one of the largest events, following only the Vanity Fair and Elton John AIDS Foundation Party in size.

Among the guests at the event were Lil’ Kim, Bow Wow, Ruben Studdard, Diane DeGarmo, DMX, Darryl ‘DMC’ McDaniels, DJ Spinderella, Dennis Hopper, Blu Cantrell, Tyler Hilton, Erik Palladino, Daniel Cage, Farnsworth Bentley, Aaron Carter, Nick Carter, Cindy Margolis, LaToya Jackson, AJ McLean, Joey Fatone, Shar Jackson, Tyrese, Tyson Beckford, Tara Reid, Rosie Perez, Radha Mitchell, MC Lyte, Jane Seymour, James Keach, Fran Drescher, Tommy Davidson, Bruce Davison, and Adam Kowalczyk.

Even Mickey Rooney stopped by to watch the ceremonies.

Larry Birkhead, boyfriend of the late-Anna Nicole Smith was still on the guest list, according to press materials. No media outlet reported him attending, so it is likely he stayed in Florida for the on-going legal proceedings.

All of the photos taken by Mueller at the event are released under the Creative Commons By Attribution license, which allows them to be used freely by anyone for any purpose, so long as they credit both Mueller and Wikimedia.

  • Kirk “Sticky Fingaz” Jones recently launched a new clothing line…

  • As is DMX, with his DMX Authentic and Earl Simmons Signature Collections.

  • Blu Cantrell was one of the night’s performers…

  • …but thankfully Milli Vanilli frontman Fab Morvan didn’t try to lip-sync along.

  • Rising actress Noureen DeWulf recently appeared in Mandy Moore pic American Dreamz

  • While hotel heiress Paris Hilton didn’t show up, Tyler Hilton did.

  • Everybody Hates Chris dad Terry Crews stopped for the cameras.

  • Hannah Montana star Mitchel Musso was a guest. Recently Wikinews spotted him at the Annie Awards, for Monster House.

  • After filing for divorce, David Faustino (Bud Bundy, Married with Children) is on the singles market.

  • Bruce Davison takes it easy, after recently finishing the film Special Ops: Delta Force, in which he stars as General Preston Rossdale.

  • Celestina, from Jennifer Lopez’s Dancelife reality show, dances onto the red carpet.

  • Curtis “Hood Surgeon” Young, Dr. Dre‘s son, represents Compton and So Hood Records.

  • George is the upcoming Nancy Drew movie, Kay Panabaker is the title character in Moondance Alexander, which is in post-production.

  • Lainie Kazan was nominated for a Golden Globe for her role in 1982 flick My Favorite Year.

  • Luenell, who was one of the few actual actors in Borat! Cultural Learnings of America for Make Benefit Glorious Nation of Kazakhstan.

Retrieved from “https://en.wikinews.org/w/index.php?title=Billboard_holds_benefit_Oscar_party_for_Children_Uniting_Nations&oldid=418578”
  • 2 Mar, 2022
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Weight Loss Tips To Take It Off And Keep It Off

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Weight Loss Tips To Take It Off And Keep It Off

by

Bret Flood

Most people that have weight loss surgery remain successful long after the procedure. In order to qualify for bariatric surgery, a patient should exceed his or her healthy weight by a minimum of 100 pounds. Medicare and several other insurance companies offer coverage on lap band surgery; however, most other patients are liable for the entire cost.

Although it may sound odd, in order to get rid of fat, you need to eat fat. All fats are not bad for you; Omega-3 fatty acids have many health benefits and are not usually found in highly-processed foods. Fatty acids like these, found in legumes and fish, can help you lose weight and lower cholesterol.

Skip the mayo on sandwiches. Try mustard instead. Mustard will add more flavor and cut a lot of calories. Mayonnaise might be your favorite condiment, but it just adds calories and fat to the food you eat. When you are making a sandwich try using mustard in place of mayo. Think about all of the foods that you use mayonnaise on and try to reduce these from your diet.

[youtube]http://www.youtube.com/watch?v=18G8fqZgYMc[/youtube]

Cut out the calories. Also, cut fats from your diet as there are two times as many calories in fat versus proteins and carbs. Stop eating high-fat foods, cut back on your dairy consumption, and watch how much oil you use. Adding fiber like fruits and vegetables to your diet will leave you filling fuller for longer.

When on a weight loss program, record your daily calorie intake in a journal. You can make better choices when you see what foods you tend to eat. When your goal is weight loss exercise is important, but eating healthy is the top way to lose weight.

Ditch the heavy cream and use skim milk for your coffee. Try cutting down to skim milk if you already make your morning coffee with two-percent milk.

When you are trying to lose weight, you should try to buy smaller clothing at the thrift stores or outlet stores. You don\’t want to purchase expensive clothes that won\’t fit you for very long.

You make weight loss simpler bu figuring your meals out in advance. Use a cooler or a thermos to keep your food at the proper temperature. Plan out your day so your meals are available for access at all times.

Reduce your alcohol intake as much as possible when trying to lose weight. Drinking some alcohol is fine, but drinking it in large quantities can impede weight loss. Most beverages containing alcohol have loads of calories. If you truly need a drink, try to find a reduced calorie version.

Have some milk before a meal and increase your weight loss options. This will start your meal with a full feeling and stop you from possibly overeating. Milk is also loaded with calcium that helps keep bones strong, as well as build some muscle mass.

Now you know the range of possibilities. If you see a program that might benefit you, then take the steps to gain as much knowledge about it as you can. Once you are confident that you can stick to the exercise and diet regimen the plan advises, give it a try. This is the only way to be certain if it will work for you.

Writing about garcinia cambogia reviews is fairly common, typically due to its general popularity with men and women in a variety of places. By going over to

Getting The Most Out Of Your Weight Loss Plan

, you can find all sorts of processes to help you have great results.

Article Source:

ArticleRich.com

  • 2 Mar, 2022
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Cadillac unveils Obama’s ‘Beast’, the 2009 Presidential State Car

Saturday, January 17, 2009

The US Secret Service has released the first photos Wednesday of the new presidential limousine that will transport Barack Obama down Pennsylvania Avenue next Tuesday as part of the 56th Presidential inaugural parade after he is sworn in at the Capitol. The First Limo – the 2009 Cadillac Presidential Limousine – will replace President Bush’s Cadillac DTS Presidential Limousine that rolled out in 2004.

Nicknamed “The Beast”, the hulking machine is a new model year 2009, modified limousine. According to General Motors, the new “2009 Cadillac Presidential Limousine” is the first not to carry a specific model name. The Obama Mobile was introduced on January 14 with noticeably different styling borrowed from the Cadillac Escalade and STS, while the suspension is most likely related to the Chevrolet Kodiak medium-duty truck.

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Mr. David Caldwell of General Motors has revealed that the sleek black car would include a hand-crafted interior and “state of the art electronics.” The car’s high-tech security features include five-inch-thick (12.7-centimeter-thick) bombproof glass, tough-as-nails tires, and a sealed interior that’s invulnerable to chemical attack. The armoured limousine has been heavily modified to withstand potential attacks by weapons or bombs. The San Francisco Chronicle puts it in a proper perspective noting, “a half-inch of transparent armor is enough to stop a .44 Magnum round at point-blank range; at a thickness of 1 1/4 to 1 1/2 inches, the same material can withstand higher-velocity bullets fired from military assault rifles.”

According to spy photographer, Brenda Priddy, and General Motors, the limousine, which has the intricate, dual-textured grille, is also equipped with standard Goodyear Regional RHS truck tires in a 285/70R19.5 size, on 19.5-inch wheels. The rims have a run-flat device (manufactured by Hutchinson Industries). Xenon headlights from the Escalade are installed in the front, while the rear has some STS part. The doors are at least 20 centimeters (8 inches) thick. It carries the US flag on the front fenders and an embroidered Seal of the President of the United States is affixed to several panels in the back.

According to the US Secret Service, the vehicle would be a “valuable asset” in providing the President with the highest level of protection. “Although many of the vehicle’s security enhancements cannot be discussed, it is safe to say that this car’s security and coded communications systems make it the most technologically advanced protection vehicle in the world,” Nicholas Trotta, Assistant Director for the Office of Protective Operations said in a statement. The new limousine is the responsibility of White House Transportation Agency.

One of the specifications is that we don’t talk about the specifications.

The Presidential State Car is the official state car used by the President of the United States. It is informally known as “Cadillac One”. The current Presidential State Car is a 2005 hand-crafted, armored, and stretched DTS (DeVille Touring Sedan) built on a GM four-wheel drive platform. It was first used on the second inauguration parade of George W. Bush in 2005. But the version to be used by President Obama uses a GMC Topkick chassis, while maintaining the Cadillac exterior.

The President of the United States travels in one of two armoured Cadillac limousines based upon the normal sedan, the Cadillac DTS, with heavy customisation. Lincoln cars have also been used in the past, most notably by President John F Kennedy. The current limousines were custom-built by O’Gara, Hess and Eisenhart, founded in Fairfield, Ohio in 1942. It specializes in armouring limousines for presidents and heads of state.

President William McKinley was the first US president to ride in an automobile. However, it was President Theodore Roosevelt who rode on the first government-owned car, a white Stanley Steamer. Roosevelt’s successor, William Howard Taft, was the first president to use a presidential state car that was permanently stored in the White House garage.

Meanwhile, Obama’s 2005 Chrysler 300C Hemi was auctioned on eBay with a starting bid of $100,000 and a buy-it-now price of $1,000,000. It has less than 21,000 miles on it and is in like-new condition. He leased the car in 2004 and traded it for a Ford Escape Hybrid in 2007. The car was sold to Tim O’Boyle.

Retrieved from “https://en.wikinews.org/w/index.php?title=Cadillac_unveils_Obama%27s_%27Beast%27,_the_2009_Presidential_State_Car&oldid=1131951”
  • 1 Mar, 2022
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Dale Ogden, 2010 California gubernatorial candidate, talks with Wikinews

Tuesday, April 27, 2010

Dale Ogden, a 2010 California gubernatorial candidate, talks with Wikinews reporter Mike Morales about his platform.

Ogden is a member of the United States’ Libertarian Party.

Retrieved from “https://en.wikinews.org/w/index.php?title=Dale_Ogden,_2010_California_gubernatorial_candidate,_talks_with_Wikinews&oldid=4629251”
  • 28 Feb, 2022
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Guide To Evaluating The Quality Of Turkish Rugs

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Guide to Evaluating the Quality of Turkish Rugs

by

joe Ellis

While purchasing rugs for your office or your home, simply relying on the word of the salesman may not be enough. Considering the size of the investment you will be making, it is important that you learn how to evaluate the quality of the carpet you are purchasing.

The right kind of purchase will help save tons of money on rug repairing in the future. Furthermore, authentic Turkish carpets are often considered appreciable investments provided you purchase one with the right quality and pursue effective rug cleaning activities on regular basis.

How to Evaluate the Quality of the Rug

1.Check if the carpet you are purchasing is hand knotted. If your carpet is authentic, it will have taken months or even years to finish.

[youtube]http://www.youtube.com/watch?v=CdVkmxfcs1E[/youtube]

2.Also, it is important to understand that there are two types of knots that are essentially used in Turkish Rug weaving. The double knot, which is also known as the Gordes knot helps make the carpet a lot more durable. Here, the strand of yarn typically encircles two threads.

3.On the other hand, the single knot or the Sennah or Persian knot encircles a single thread.

4.While evaluating the rugs, make sure you also assess the underside of the rug. If the carpet you are looking at is hand knotted, chances are that there will be some visible imperfections here. If you see a perfect looking backside, chances are that the carpet in question was made by machine and not be hand.

5.Another aspect of the rug quality that needs to be evaluated is the knots per square inch (KPSI). The higher the KPSI of a rug, the higher is the perceived quality. An average rug will come with approximately 150 KPSI. Fine Turkish rugs come with counts of 500 or more.

6.Now, go back to the underside of the rug. The higher the number of knots, the more distinct will be the design on the back of the rug.

7.While evaluating various rugs, also make it a point to find out what materials are used in its creation. Most Turkish rugs and flat weaves are made out of sheep wool, silk, cotton, floss silk or goat hair. Few are even made out of natural materials which are much more durable than their synthetic counterparts.

8.Many buyers tend to be partial towards purchasing rugs that are made out of wool. They are considered to be the most traditional types of Turkish rugs and are usually woven by hand in villages in the countryside. However, it is important to note that the quality of the wool tends to vary by climate and region. The best quality wool comes from the sheep that are found is higher elevations where temperatures are lower.

9.You may also select a Turkish carpet that is made out of silk. The silk used in these rugs come from cocoons. When unrolled, a single thread of silk can stretch for about 25,000 meters. These fibers are considered to be extremely strong and easily twistable. Silk can be easily used for rugs that need feature about 625 KPSI.

Finally, make it a point that you check with the vendor about instructions with respect to rug cleaning and repairing. A major aspect of maintaining the quality of your rug is ensuring that you take good care of it.

Joe Ellis is a content developer and publisher on the topics related to rugs like large rugs london services, large rugs UK, handmade rugs,

rug repair

,modern rugs,

rug cleaning

and more.

Article Source:

ArticleRich.com

  • 26 Feb, 2022
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Suspected serial killer appears in British court

Friday, May 28, 2010

A man accused of being a serial killer has appeared in Bradford magistrates court in West Yorkshire today charged with three counts of murder. 40-year-old Stephen Griffiths is accused of killing Suzanne Blamires, 36, Susan Rushworth, 43, and Shelley Armitage, 31, all prostitutes.

Griffiths, a former van driver with a degree in psychology and studying for a PhD in criminology, gave his name as “Crossbow Cannibal” when asked. He has been in police custody since Monday when police were alerted to a CCTV recording that appeared to show a murder.

A caretaker had been reviewing footage from the flats where Griffiths lives when he saw footage of a woman and a man enter a flat early on Saturday morning. Two minutes later, she ran out and was followed by the man, who beat her to the ground and shot her in the head with a crossbow. Over the course of the weekend, the man was seen several times with bin bags and a rucksack.

On Tuesday, the day after the arrest of Griffiths, Blamires’ remains were found in the River Aire in nearby Shipley. She had been cut into several pieces and her head was located in a rucksack. Police continue to search for the other two alleged victims; Rushworth has been missing since June last year and Armitage vanished in April.

Police have searched much of Bradford’s red-light district, where Griffiths’ third-floor flat is located. Forensic investigations at the flat are expected to last around three weeks. There are plans to search landfill sites for bodies, and police may yet expand the inquiry to cover three more cold cases, although at present they have not been linked to the current inquiry.

Sniffer dogs have been used throughout the city, and police have been taking away plastic evidence bags. Some alleyways remain closed off. Police charged their suspect yesterday.

Griffiths was known as “the lizard man” in his block of flats owing to his habit of walking his two pet monitor lizards in the area. One neighbour is reported to have quoted him as saying he was studying for “a PhD in murder and Jack the Ripper,” and he has spent time in a high-security psychiatric hospital. During his five-minute court appearance he did not enter a plea, kept his head bowed and fidgeted with his cuffed hands. He said “Here, I guess,” when asked for his address.

As he stood in the glass-fronted dock, guarded by three security officers, he was watched by the families of Rushworth and Armitage, who were accompanied by police family liaison officers. Blamires’ family chose not to be present, but the victim’s mother Nicky Blamires, 54, has told the press that Suzanne was a “much-loved” family member even though she “went down the wrong path and did not have the life she was meant to have.” “Nobody deserves this,” she said. “All these girls were human beings and people’s daughters.”

Griffiths’ morning court appearance was followed by a second one this afternoon, at Bradford Crown Court. This time, he confirmed his name without incident. He was remanded into custody until next month, when he will appear in court again.

British media has been quick to compare the case to Peter Sutcliffe, dubbed the “Yorkshire Ripper”. Sutcliffe was a Bradford killer responsible for thirteen murders and seven attempted murders, including several prostitutes. Since his 1981 conviction he has spent most of the last three decades in Broadmoor high-security psychiatric hospital near London.

Retrieved from “https://en.wikinews.org/w/index.php?title=Suspected_serial_killer_appears_in_British_court&oldid=4501892”
  • 26 Feb, 2022
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Wikinews interviews candidate for Cleveland mayor Arthur Kostendt

Monday, June 14, 2021

Arthur Oliver Kostendt, a candidate running in the mayoral election of the US city of Cleveland, Ohio set to take place November 2, discussed his campaign and policies with Wikinews this spring.

According to Cleveland Scene, 29-year-old Kostendt is a member of the Cuyahoga County, Ohio Republican Party but has referred to his campaign as “casual”. According to his web site’s personal biography, he was a cadet for the Army Reserve Officers’ Training Corps (ROTC), scout platoon leader for the 2nd Squadron of the 107th Cavalry Regiment of the Ohio Army National Guard and logistics officer for the 1st Battalion of the 145th Armored Regiment. He served in Kuwait, Iraq, the United Arab Emirates and Saudi Arabia and assisted coalition force detachments in Southeast Asia.

Kostendt is a graduate of the University of Notre Dame and summa cum laude graduate of Cleveland State University. He writes he uses an apostrophe to abbreviate his middle name as “Arthur O’Kostendt” instead of the customary period after the O to emphasise his Irish heritage.

A poll published May 5 by Baldwin Wallace University, which does not feature Mr Kostendt, has Dennis Kucinich and Basheer Jones leading in the mayoral race by 17.8 and 13.3 points, respectively, with a margin of error of up to five per cent either way. 48% of those surveyed were undecided. Incumbent mayor Frank G. Jackson, who won the 2017 Cleveland mayoral election with 59% of the vote, is eligible for a fifth term but announced on May 6 he would retire.

Retrieved from “https://en.wikinews.org/w/index.php?title=Wikinews_interviews_candidate_for_Cleveland_mayor_Arthur_Kostendt&oldid=4626048”
  • 26 Feb, 2022
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