I’m Her Stepparent—Not Her Bank Account

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𝑺𝑬𝑬 𝑭𝑼𝑳𝑳 𝑯𝑬𝑹𝑬 👉 Full Video : Click

The aroma of roasted chicken and rosemary usually signaled peace in their home, a temporary truce in the quiet battle of blended family life. Tonight, however, it felt like a fragile veneer over a simmering pot. Mark meticulously carved a breast, his knife scraping against the ceramic plate, the sound almost aggressive in the otherwise hushed dining room.

“So, the acceptance letter from Parsons came today,” Sarah announced, her voice a little too bright, a little too strained. She avoided Mark’s gaze, instead focusing on dishing out potatoes for Chloe.

Chloe, Mark’s stepdaughter, merely hummed, her eyes glued to her phone, scrolling through what Mark assumed were endless feeds of aesthetically pleasing misery or curated joy. She was eighteen, on the cusp of adulthood, and utterly oblivious, it seemed, to the financial earthquake rumbling beneath their feet.

Mark paused, the carving knife suspended. Parsons. The name alone sent shivers down his spine, not of excitement, but of dread. He’d seen the brochures, the estimated tuition, the living expenses for New York City. It was a black hole for money, an abyss designed to swallow the life savings of well-meaning parents.

“Parsons,” he repeated, his voice flat. “That’s… good, right? A prestigious school.” He managed a weak smile in Chloe’s direction. She offered a distracted glance, a fleeting, almost imperceptible nod.

“It’s fantastic, Mark!” Sarah interjected, nudging Chloe with her elbow. “Show some enthusiasm, sweetie. This is your dream school.”

Chloe finally looked up, a glimmer of genuine excitement in her eyes. “It is. I can’t believe it. Fashion design in New York. This is everything I’ve ever wanted.”

Mark tried to feel happy for her. He really did. But a cold knot of anxiety was tightening in his stomach. He loved Sarah, his wife of five years. He loved their life together, the comfortable home they’d built. He had always tried to be a good stepfather to Chloe, stepping into a void left by her absent biological father, David – a man whose fleeting appearances usually coincided with a request for money or a new, improbable business venture. But there were limits. And Parsons, he suspected, was pushing him dangerously close to them.

Dinner continued, punctuated by Sarah’s effusive praise for Parsons and Chloe’s vague, aspirational pronouncements about becoming a world-renowned designer. Mark ate, but tasted little. The scent of rosemary, once comforting, now felt like a suffocating shroud. He knew what was coming. It wasn’t a question of if the financial request would be made, but when and how egregious it would be.

Later that evening, after Chloe had retreated to her room, presumably to continue her virtual celebrations, Sarah joined Mark in the living room. He was nursing a single malt, the amber liquid doing little to soothe his frayed nerves.

“She’s so happy, Mark,” Sarah said, sitting beside him on the sofa, her hand tentatively resting on his arm. Her touch was gentle, but he felt the unspoken weight behind it.

“She is,” he agreed, taking a sip. “And she deserves to be. It’s a big achievement.” He paused, gathering his thoughts. “But… Parsons, Sarah. Do you know how much that costs? Tuition alone is over sixty grand a year. Then there’s housing in NYC, living expenses, materials for her courses… We’re talking well over eighty, pushing ninety thousand a year. For four years. That’s a small house, Sarah. Or a sizable chunk of our retirement.”

Sarah sighed, pulling her hand away. “I know, I know it’s a lot. But it’s Parsons! It’s the best. And Chloe’s so talented. She’s worked so hard.”

“Talented, yes. But does ‘the best’ always mean ‘the most expensive’?” Mark countered, his voice betraying a hint of his growing frustration. “And ‘worked hard’? For what, Sarah? To get into a school that we potentially can’t afford without bankrupting ourselves?”

“We can afford it, Mark. You have a good job. You’ve always been so responsible with money. We have savings.”

He turned to face her, his eyes locking onto hers. “We have our savings, Sarah. Savings we built together for our future. For our retirement. Not for a four-year, half-a-million-dollar fashion design degree for a girl who, let’s be honest, has never had to consider the cost of anything in her life.”

The words hung in the air, sharp and accusatory. Sarah flinched, her expression hardening. “That’s unfair, Mark. Chloe is a good girl. And she’s my daughter. My only child. I want the best for her.”

“And I want the best for her too, Sarah,” Mark said, his voice dropping to a calmer, but no less firm, tone. “I’ve tried to provide the best for her since I married you. Her private high school tuition? I paid for that. Her driving lessons, her first car, a good portion of her designer wardrobe over the years, the trips abroad we’ve taken… I’ve shouldered a lot, Sarah. Because I love you, and by extension, I love her. But there’s a line. And Parsons… that’s not just crossing it, that’s leaping over it into a financial abyss.”

He thought of Liam, his own son from his first marriage, a diligent, bright kid currently excelling at a state university. Liam had worked two part-time jobs through high school, applied for every scholarship under the sun, and was taking out student loans to cover a significant portion of his tuition, despite Mark contributing what he could comfortably afford. Liam had never demanded anything, never expected his path to be paved in gold. The contrast was stark, almost painful.

Sarah’s eyes welled up. “So, you’re saying you won’t pay for her tuition?” Her voice was barely a whisper, thick with accusation.

“I’m saying I can’t be her personal ATM, Sarah,” Mark stated, his resolve hardening. “I can’t just write a blank check for half a million dollars because it’s her ‘dream school.’ It’s irresponsible. It’s unsustainable. And frankly, it’s not fair to us, or to my own son, Liam, who is working his tail off to pay for his education.”

The silence that followed was deafening, a chasm opening between them. Mark knew this was just the beginning. The war, it seemed, had officially begun.


The next few days were a masterclass in passive aggression. Sarah moved around the house with a mournful air, her sighs dramatic enough to ripple the curtains. Chloe, usually glued to her phone, now frequently sent Mark dark, lingering stares, as if his very presence was an affront to her artistic sensibilities. He felt like a pariah in his own home.

“Did you talk to Chloe about other options?” Mark ventured one evening, trying to bridge the gap. Sarah was kneading dough for bread, her movements stiff and unyielding.

“What other options, Mark?” she retorted, not looking at him. “She got into Parsons. She doesn’t want other options. This is her future. Her chance.”

“Her chance at what?” Mark asked, genuinely baffled by the tunnel vision. “A quarter-million-dollar debt for a degree that might not guarantee a job? Look, Sarah, there are excellent fashion programs at state universities, local art colleges. Places where the tuition is a fraction of Parsons. Or she could take a gap year, work, build her portfolio, apply for scholarships, truly understand the value of what she’s pursuing.”

Sarah finally turned, her hands covered in flour. “A gap year? You want her to delay her life? And local colleges? She’s a brilliant designer, Mark! She needs the exposure, the connections, the name of Parsons on her resume. She shouldn’t have to settle.”

“Settle?” Mark’s voice rose. “Is fiscal responsibility ‘settling’ now? Is not plunging us into financial precarity ‘settling’?” He took a deep breath, trying to calm himself. “Sarah, I’ve given Chloe a lot over the years. More than her biological father ever did. More than many stepfathers would. But this is different. This isn’t a new phone or a car. This is a commitment that fundamentally alters our financial future.”

He remembered his own upbringing. His father, a factory worker, his mother, a part-time cleaner. Every penny had been accounted for. He’d worked his way through college, student loans piling up, but he’d paid them off, every last cent. He knew the value of a dollar, the weight of debt. He didn’t want Chloe to repeat his struggles, but he also didn’t want her to enter adulthood believing money was an endless resource, effortlessly supplied by others.

“She’s family, Mark,” Sarah whispered, her voice cracking. “Don’t you understand? She needs us.”

“And I’m family too, Sarah. And so are you. Don’t we need us? Don’t our plans matter?” The conversation was going in circles, each loop tightening the knot of resentment between them.

The following weekend, Chloe made her own play. She approached Mark in his study, a thick, glossy Parsons brochure clutched in her hand, her expression one of practiced fragility.

“Mark,” she began, her voice unusually soft, “Mom told me you’re… hesitant about Parsons.”

He put down his financial reports, rubbing his temples. “Chloe, it’s not hesitation. It’s a matter of immense cost. It’s a very significant financial burden.”

“But it’s my dream,” she emphasized, her lower lip trembling slightly. “I’ve worked so hard for this. All those late nights, all the drawing, all the portfolio building…”

“I appreciate your hard work, Chloe,” Mark said, trying to keep his tone even. “And I recognize your talent. But dreams, unfortunately, often come with a price tag. And this one is extraordinarily high.”

“Are you saying I’m not worth it?” Her eyes, wide and innocent, filled with tears. It was a classic move, one he’d seen her deploy on her mother countless times.

Mark sighed. “No, Chloe. I’m not saying you’re not worth it. I’m saying we can’t afford it without making significant, potentially detrimental sacrifices. What are your plans for contributing? Have you looked into scholarships? Student loans? A part-time job during school?”

She blinked, taken aback. “Scholarships? I mean, I applied for the basic ones, but Parsons is so competitive. And student loans? I thought… I thought you and Mom would cover it. You always said I wouldn’t have to worry about money.”

The last part hit him like a physical blow. He had never, ever said that. Sarah might have, in her attempts to overcompensate for David’s failings, but he had always been clear about financial prudence.

“Chloe, I have always provided for you in this home. I have paid for your private school education, your extracurriculars, your necessities, and many of your wants. But a half-a-million-dollar university education is not a necessity in the same way. It’s an investment. And investments need to be planned for, worked for. I’ve always encouraged you to be independent, to understand the value of earning your way.”

“But Liam isn’t paying for all of his college!” she retorted, a flicker of resentment in her eyes. “You’re helping him!”

“Liam secured significant scholarships and is taking out loans for the remainder, and he works two jobs,” Mark stated, his voice now firm. “And the university he chose is a fraction of the cost of Parsons. He understood the financial realities. He collaborated with me on a plan. Have you done that, Chloe? Or have you simply expected the money to materialize?”

Her face hardened, tears replaced by anger. “So, what? I’m supposed to just give up my dream because you suddenly decide I’m too expensive? You’re not even my real father! You have no right to dictate my future!”

The words, sharp and venomous, pierced through Mark. He had tried, for five years, to be a supportive, present figure in her life. He had spent countless hours, and even more money, on her. And this was his reward: a dismissal of his efforts, a reminder of his biological irrelevance, and a demand for unlimited funds.

“You’re right, Chloe,” he said, his voice dangerously low. “I’m not your real father. And as such, I have no legal obligation whatsoever to pay for your education. I’ve done what I’ve done out of love for your mother, and a genuine desire to provide you with opportunities. But when you treat me as nothing more than a wallet, when you dismiss my concerns and throw my contributions back in my face, then yes, I will draw a line. I will not be your personal ATM.”

He stood up, signaling the end of the conversation. Chloe stared at him, her face a mask of shock and outrage, before she stormed out of the study, slamming the door behind her. Mark leaned against his desk, the silence a heavy blanket. The truth hurt, but it needed to be said. He only hoped his marriage could withstand the fallout.


The house became a battleground of icy silence and strained politeness. Sarah was furious, hurt that Mark had spoken to Chloe the way he had. Chloe refused to speak to him at all, communicating solely through her mother. Mark felt like an outsider, an intruder in his own home.

One evening, Sarah confronted him again, her voice low and tight, careful not to be overheard by Chloe. “You crushed her, Mark. You absolutely broke her spirit.”

“I told her the truth, Sarah,” he countered, his own frustration simmering. “The truth about financial reality. The truth about responsibility. And the truth about how I feel when she treats me like a money tree.”

“She’s a child, Mark! She doesn’t understand the intricacies of our finances!”

“She’s eighteen, Sarah. She’s old enough to vote, old enough to go to war, old enough to apply for half-a-million-dollar university programs. She’s old enough to understand that money doesn’t just appear. And you, Sarah, are enabling this naive, entitled perspective.”

That word – entitled – stung Sarah. “She’s not entitled, Mark! She’s just… ambitious. She wants a good life. Her father never provided for her. I’ve always had to struggle. I just want her to have a better start than I did.”

Mark felt a pang of sympathy for Sarah, for her past struggles as a single mother. He knew she carried guilt, a desire to overcompensate. But that didn’t justify sacrificing their collective future.

“And what about our good life, Sarah?” he asked softly, looking around their comfortable living room. “This life we’ve built. The security we have. Are we supposed to mortgage all of that for one highly specific, incredibly expensive dream that Chloe hasn’t even bothered to research the funding for?”

He decided to be completely transparent. He brought out his laptop, opening spreadsheets, bank statements, and retirement projections. “Look, Sarah. Here are our joint savings. Here’s what we’ve earmarked for retirement. Here’s the mortgage. Here are our bills. Here’s what I contribute to Liam’s education. If we were to pay for Parsons in full, and mind you, that includes living expenses in NYC, which are astronomical… we’d deplete our retirement fund by almost a third in just four years. And that’s if nothing else goes wrong. If one of us loses a job, if there’s a medical emergency, if the market crashes… we’re done. We’re starting over from scratch in our fifties.”

He showed her the numbers, laid bare, undeniable. Sarah stared at the screen, her face pale. She’d always trusted Mark with their finances, seeing him as the pragmatic, stable one. She hadn’t truly grasped the scale of the request.

“But… she needs this, Mark,” she whispered, her voice barely audible. “She needs this chance.”

“No, Sarah. She wants this specific chance. She needs an education. She needs a pathway to a career. But there are many, many pathways that don’t involve such an extreme financial burden on us. She could get an excellent education, build a fantastic portfolio, and launch a successful career without Parsons. She could even transfer to Parsons after a year or two at a more affordable institution, having proven her commitment and talent, and having saved some money herself.”

He pressed on, sensing a shift in her rigid stance. “I am not refusing to help her, Sarah. I am refusing to be exploited. I am refusing to put our financial future at risk. I am refusing to enable a sense of entitlement. I will help her. But she needs to be an active participant. She needs to understand that this is a partnership, not a handout.”

Sarah closed her eyes, a tear escaping and tracing a path through the flour on her cheek. “What… what do you propose?”

“I propose she takes a gap year,” Mark said, outlining a plan he’d been formulating. “During that year, she needs to get a job. Any job. A retail job, a coffee shop job. Something to teach her the value of earning money. While doing that, she needs to dedicate time to building an even stronger portfolio. She needs to apply for every scholarship under the sun – not just the easy ones, but the ones that require essays, portfolios, interviews. And she needs to apply to other, more affordable, but still excellent, design schools. I will match any scholarship money she earns, up to a certain percentage of the Parsons tuition. And if she still wants to go to Parsons, she will need to take out a student loan for the remaining balance. I will co-sign for a reasonable loan, not the entire amount. And she will need to maintain a certain GPA and work a part-time job during school, to show her commitment.”

He held up a hand. “Alternatively, if she chooses a more affordable, in-state university with a strong design program, I will contribute a more significant portion, perhaps up to half the tuition, still requiring her to get scholarships and take out a smaller loan. But the expectation of her contribution and understanding of the financial commitment remains.”

Sarah was silent for a long time, processing it all. “You want her to work?” she finally asked, as if the concept was foreign.

“Yes, Sarah. I want her to work. I want her to understand that money is earned, not simply given. I want her to feel the pride of contributing to her own future.”

He could see the internal struggle on her face. Her desire to protect Chloe from hardship clashed with the undeniable logic of Mark’s proposal. He waited, his heart pounding, knowing this was a pivotal moment for their marriage.

“I… I’ll talk to her,” Sarah finally whispered, her voice laced with exhaustion. “But she won’t like it. Not one bit.”


The conversation with Chloe, mediated by a weary Sarah, was, predictably, explosive. Chloe raged, accused, cried. She called Mark selfish, uncaring, a monster for denying her “only shot” at greatness. She accused Sarah of siding with him, of betraying her. She invoked her absent father, claiming Mark was no better, leaving her high and dry.

Mark listened, his expression neutral, his resolve unwavering. He had anticipated this. He had prepared himself.

“Chloe,” he said, waiting for a lull in her tirade. “This isn’t about denying you greatness. This is about responsibility. This is about understanding the value of money and the sacrifices involved in achieving your goals. Your mother and I love you. We want you to succeed. But we cannot, and will not, jeopardize our own financial stability and future for a choice you haven’t fully considered the implications of.”

He reiterated his proposal, clearly, calmly. The gap year, the job, the scholarships, the student loan, the conditional support.

“So you’re just going to make me work like some… some commoner?” she sneered, tears streaming down her face. “You want me to be poor?”

“I want you to be self-sufficient, Chloe,” Mark corrected, his voice firm. “I want you to be proud of what you achieve, knowing you played a significant role in earning it. Many successful people worked their way through college. It builds character. It builds resilience. These are invaluable traits, far more so than a specific university name on a diploma, if that name comes at the cost of crippling debt or family strife.”

The argument raged for hours. Sarah, caught in the middle, looked utterly drained. Mark felt a deep sadness, watching the family he had tried to build crumble under the weight of this conflict. But he refused to back down. This wasn’t just about money; it was about principles, about respect, about the very foundation of their blended family.

Days turned into a week, then two. Chloe remained defiant, refusing to engage with Mark’s plan. She retreated further into her room, slamming doors, blasting music. Sarah became increasingly withdrawn, her usual vibrant energy replaced by a heavy cloud of despair. Their marriage was hanging by a thread.

One evening, Mark found Sarah crying silently in the kitchen, her head in her hands. He knelt beside her, his heart aching.

“We can’t go on like this, Sarah,” he said gently. “This isn’t fair to any of us. And it’s certainly not fair to our marriage.”

Sarah looked up, her eyes swollen and red. “I don’t know what to do, Mark. She’s my daughter. I just want her to be happy.”

“And I want you to be happy, Sarah. And for us to be happy, together. But happiness can’t come at the cost of integrity and financial security. This isn’t a fight against Chloe, it’s a fight for a sustainable future for all of us. And she needs to learn that life isn’t always about getting exactly what you want, when you want it, especially when it costs others so dearly.”

He took her hands. “I’m not abandoning her, Sarah. I’m asking her to meet me halfway. To take some responsibility. To grow up. If she refuses, then she’s choosing her dream over her family’s stability. And that’s a choice she has to live with, not one we enable.”

Sarah finally nodded, a profound sadness in her eyes, but also a flicker of understanding. “I know,” she whispered. “I just… I feel so guilty.”

“Guilt doesn’t pay tuition, Sarah,” Mark said gently. “Responsibility does.”

The next day, something shifted. Perhaps it was seeing her mother so utterly broken, or perhaps a glimmer of Mark’s words had finally penetrated. Chloe emerged from her room, her eyes still red, but her posture less defiant. She walked past Mark without a word, but she sat down next to Sarah at the kitchen table.

Mark overheard snippets of their conversation. Sarah, her voice weary but firm, explaining Mark’s proposal again, without the emotional pleas, just the practicalities. Chloe, still resisting, but now asking questions, quieter ones. “What kind of job?” “What kind of scholarships?” “How much would I have to pay?”

It was a small step, barely a ripple in the stormy waters, but it was a step.

Later that week, Chloe approached Mark directly. Her chin was still jutted out, but her eyes held a new, fragile vulnerability.

“So, if I get a job, and apply for scholarships… you’ll still help?” she asked, her voice barely audible.

Mark looked at her, truly looked at her, for the first time in weeks. He saw not just the entitled teenager, but the young woman grappling with a harsh reality.

“Yes, Chloe,” he said, his voice softer than it had been in a long time. “I will. I will help you. But you have to put in the effort. You have to understand that this is your future, and you are the primary architect of it. I will be your supporter, not your sole financier.”

He laid out the financial documents again, this time explaining the scholarship process, the student loan system, the concept of a budget for living expenses in NYC. He talked about his own struggles, his own journey through college, the jobs he’d worked. He didn’t preach; he shared.

Chloe listened, for the first time, truly listened. The anger was still there, a simmering ember, but it was now mixed with a nascent understanding, a flicker of fear, and perhaps, a tiny spark of respect.

“Okay,” she said, after a long silence. “Okay. I’ll… I’ll look into jobs. And scholarships.”

It wasn’t an apology. It wasn’t an embrace. But it was a start. A fragile truce, built on the uneasy ground of compromise and budding understanding.


The gap year was not easy. Chloe found a job waiting tables at a busy downtown diner. The hours were long, the customers demanding, and the pay modest. She hated it at first, complaining bitterly about aching feet and rude patrons. But slowly, imperceptibly, something began to change. She started talking about her tips, about the satisfaction of a busy shift, about saving for her “Parsons fund.”

She also started working on her portfolio with a new intensity. The pressure of knowing she had to earn her way, that every brushstroke and design concept contributed to her financial future, seemed to sharpen her focus. She applied for scholarships with a ferocity Mark hadn’t thought her capable of, crafting essays and refining her artistic statements.

Mark, for his part, kept his promise. He spent evenings with her, poring over scholarship applications, helping her refine her essays, discussing budgeting. He found himself genuinely enjoying their time together, a connection forming that went beyond his role as a husband to her mother. He saw her struggles, her moments of despair, her triumphs. He saw her grow.

Sarah, too, played a crucial role. She became Chloe’s emotional anchor, listening to her frustrations, offering encouragement, and subtly reinforcing the lessons Mark was trying to impart. She also started researching affordable art supplies and alternative housing options for students in New York, demonstrating her own commitment to the plan.

By the time the next application cycle rolled around, Chloe was a different person. She was still ambitious, still dreamed of Parsons, but her understanding of the world, and her place in it, had expanded. She had secured two significant scholarships – one merit-based, one diversity-focused – that covered a substantial portion of Parsons’ tuition. She had saved a respectable sum from her diner job.

She reapplied to Parsons, and several other top-tier design schools, including a highly-regarded state university program Mark had suggested.

The next acceptance letter came, again from Parsons. This time, it included a note about her substantial scholarship package.

Chloe, no longer the entitled teenager, approached Mark and Sarah, her hands shaking slightly, but her eyes bright with a mix of excitement and pride.

“I got in,” she announced, her voice thick with emotion. “And with the scholarships… and what I’ve saved… I only need a loan for about twenty thousand a year for tuition and a smaller amount for living expenses if I’m careful.”

Twenty thousand a year was still a significant sum, but it was a far cry from the ninety thousand he had initially balked at. It was manageable. It was a partnership.

“And,” Chloe added, a shy smile gracing her lips, “I found a part-time job lead at a boutique in the West Village that’s willing to work around my class schedule. And I’ve looked into dorms versus shared apartments. I think I can make this work. Really work.”

Mark felt a surge of pride, a warmth spreading through him that had nothing to do with financial calculations. He saw not just a potential fashion designer, but a resilient, responsible young woman.

“That’s incredible, Chloe,” he said, a genuine smile finally reaching his eyes. “Absolutely incredible. I’m so proud of you.”

He looked at Sarah, who was openly weeping tears of relief and joy. Their marriage had endured the storm, scarred but ultimately strengthened by the honesty and the difficult choices they had made together.

“So,” Chloe said, looking at Mark, a question in her eyes. “The co-sign for the loan?”

Mark nodded. “Under the conditions we discussed. Maintain your GPA, keep that job, and continue to look for ways to minimize your debt. And we will review your budget every semester.”

Chloe grinned, a wide, genuine grin he hadn’t seen in over a year. “Deal.”

The transition to New York was still daunting, but it was a shared effort. Mark and Sarah helped her pack, drove her to the city, helped her move into her modest shared apartment. As they said their goodbyes, Chloe hugged Sarah tightly, then turned to Mark.

“Thank you, Mark,” she said, her voice soft but sincere. “For everything. For making me work for it. It… it means more.”

He hugged her back, a genuine, warm embrace. “You earned it, Chloe,” he whispered. “Every bit of it.”

As Mark and Sarah drove home, the car was filled not with tension, but with a quiet contentment. They held hands, the years of silent struggle and recent conflict replaced by a renewed sense of partnership. Their family, though unconventional, had found its equilibrium.

The road ahead wouldn’t be without its bumps, of course. Chloe would face challenges, financial and otherwise. But she was now equipped with more than just an acceptance letter from a prestigious school. She had resilience, responsibility, and the understanding that true success wasn’t just about achieving a dream, but about earning it, one difficult step at a time. And Mark, no longer just a financial provider, had finally found his place not as a personal ATM, but as a respected, if sometimes challenging, pillar of her evolving family. The rosemary scent of peace, once fleeting, now felt like it might finally be here to stay.

This work is inspired by real events and people, but it has been fictionalized for creative purposes. Names, characters, and details have been changed to protect privacy and enhance the narrative. Any resemblance to actual persons, living or dead, or actual events is purely coincidental and not intended by the author.

The author and publisher make no claims to the accuracy of events or the portrayal of characters and are not liable for any misinterpretation. This story is provided “as is,” and any opinions expressed are those of the characters and do not reflect the views of the author or publisher.

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