Save Money on Home Cooling Costs in the Summer

There are a lot of things that can be done to a home to help save money on a summer utility bill. It only takes a little effort to save a lot.

Homeowners are always trying to cut their costs when it comes to home maintenance. The EPA claims that cooling and heating expenses account for nearly half of a household utility bill. Utility bills are often higher in the summer and winter months because a furnace and air conditioner are needed to keep a home at a comfortable temperature. There are things that can be done, however, to keep the cost of cooling and heating a home down. With a little effort, a home utility bill can be drastically cut down by 25 percent or more. Follow the tips below to improve charges on monthly utility bills in the summer months.

Install a Programmable Thermostat

A programmable thermostat is great because it can be programmed to have cooler temperatures when people are at home and warmer temperatures when everyone is away. Some people make the mistake of shutting down the air conditioner completely when they are away, but this is a bad idea because it takes more energy and time for an air conditioner to restore the temperature desired by the homeowners when it is turned back on, plus homeowners will be miserably warm while they wait for things to cool down.

Programmable thermostats are easy to install, even for someone that is not very handy. They can cost anywhere from £50 to £150, but the initial cost is worth the savings that it will yield on a summer utility bill. Some companies even offer programs that give programmable thermostats away for free.

Programmable thermostats can also be used to control the temperatures of individual rooms. This is a great advantage because there is no need to cool a room that is never used.

Replace Old Air Conditioners with Energy Efficient Models

Old models of air conditioners can use a lot of energy. Air conditioners are probably responsible for most of the cooling costs on a utility bill in the summer. Utility bill costs can be cut by as much as £100 per month if old air conditioners are replaced will central cooling units or more energy efficient swamp coolers and cooling units. You can also improve your old system by buying spares such as thermometers, aircon remote controls and insulated valve jackets. You can find a good selection of air con spares at airconspares.com.

Ceiling fans, although they do not create cool air, help circulate cool air that is already in a home. They use less energy than air conditioners and can give the illusion that a home is cooler than it actually is. A breeze always feels nice in the heat of the summer.

Insulate the Walls and Ceilings of the Home

It is extremely important, especially for older homes, to have proper insulation in the ceiling and walls. A lot of cool air is lost through the ceiling and walls and installing insulation can cut down on the loss.

Spraying or inserting insulation is more difficult to do than a thermostat, so it is best to hire someone that knows what they are doing. Depending on the size of the home, the cost can be anywhere from £500 to £2,000. The savings on a cooling bill, however, will make up for the cost in the long run.

Purchase Double Pane Windows

A lot of heat and cool air is lost through old windows that do not have proper seals. Buying double pane windows for a home and having them installed is a great way to keep the temperature in a home more consistent. Double Pane windows serve the same purpose as insulation and are a great idea to help save money on the home cooling bill.

How to Cool a House Without Air Conditioning

If it is not feasible to buy new windows, then homeowners should at least make the effort to seal air leaks found around the home with a special caulk. This is a quick an inexpensive way to reduce a summer utility bill. Air leaks are often found around windows and doors.

Prepare Food on an Outdoor Grill

In the summertime, avoid using the oven because it can heat up a home quickly. Preparing food on an outdoor grill is a great alternative to cooking in the kitchen. Baking doesn’t need to be done as much in the summer anyway because people prefer cold treats like ice cream and Popsicles.

Buy Blinds and Change Light bulbs

A lot of heat enters a home through the windows in the summer, so it is a good idea to buy blinds to minimize this. Blinds can be very affordable, especially if they do not have to be custom made. Drapes and curtains will have the same effect on a cooling bill as blinds.

Light bulbs can produce a lot of heat, so it is a good idea to replace them with energy efficient models that run at cooler temperatures. This will help reduce the amount of heat that is in a home and save on energy costs as well.

By following even one of the tips found in this article, a homeowner can see a drop in the cost of their summer utility bill and monthly energy bill. If money is an issue, try some of the more affordable tips. All of them produce results and savings will be seen.

Thinking About a Loft Conversion? Make an Informed Decision!

Despite being a popular trend today, a loft conversion is an investment that can provide you with lots of advantages. It is quite popular amongst residential homeowners who reside in cities, which seem to be crowding at an alarming rate.

A loft conversion is practically the act of turning dead loft space into an extra room, storage space or even an office. It can provide you with a wide range of benefits. If you are stuck choosing in between a loft conversion and an extension or moving house. Here are the pros and cons of a loft conversion. By the end of this article, you will be able to make an informed decision.

The Pros

  1. An Affordable Solution

Other than being popular, loft conversions are an affordable alternative. Compared to moving and building extensions. The money you would spend converting your loft will be relatively lower. It’s because you wouldn’t have to spend more on demolishing existing structures and buying building supplies. All you will have to do is add a few touches on your loft and its ready for use.

  1. You Don’t Have To Loose Outside Space

Secondly, with a loft conversion, you don’t have to lose your outside space. In the case of an extension, you would be forced to use up some sections of your backyard, and this can lead to overcrowding. With a loft conversion, you will be building upwards. Therefore, the ground floor will be utilized optimally. Also, you won’t have to sacrifice your precious garden.

  1. Added Value to Your Property

Not only will the loft conversion serve you for a long time. When you finally decide to sell your home, it will attract a higher market value. For instance, a home worth £100,000, if its loft has been converted. The same home could be sold at £130,000. That is an added value of £30,000. Note that, the amount you may need to convert your loft even with the cost of hiring a professional building firm, could be half or a quarter of the added value.

  1. Access To Natural Light

A loft conversion could also give you access to direct sunlight in the comfort of your room. You can have a rooflight loft conversion which will keep your loft illuminated during the day. You can also opt for a panoramic glass window installation which will allow you to watch the stars during night time.

The Cons

As with every great thing, loft conversions also have the disadvantages.

  1. It is Not Suitable for All Properties

A loft conversion isn’t ideal for all homes. There are some which feature tiny lofts and thus converting the loft into a functional room may be a bit difficult. It is why you should always seek professional advice before converting your loft. An expert building company can tell you whether your loft can be converted into an office or anything that you wish. In cases where a loft conversion doesn’t have sufficient headroom, you could remodel and restructure your roofing to accommodate the loft area.

If you have a loft in your home and you have not converted it into something useful, then you are missing out big time. You will be surprised at how beneficial loft conversions can be. It is up to you and your family to identify what you wish to convert your loft into and then proceed to designing it.

Workplace Safety – Pallet Racks

Pallet racks have become a must-have necessity in most business storage facilities. The reason behind this is their effectiveness and capability of utilizing storage space available. Pallet racks also make taking inventory a simple procedure. There is no doubt that pallet racks play a significant role in the achievement of a business or a company’s overall objectives.

However, despite the benefits associated with using pallet racks. They must be handled carefully. This will help in avoiding injuries to the warehouse staff or damage to property stored.

In case accidents occur in your warehouse due to poor handling of the pallet racks. This can have adverse effects on your business. You could risk facing losses and lawsuits from employees injured in your warehouse.

Here are some tips on how you can safely use pallet racks.

1. Ensure There is Placement of Sufficient Safety Measures

Before you begin using the pallet racks, it is mandatory for you to have the right safety measures in place. This includes installation of shelf pins, pallet safeguard panels and a variety of safety equipment that will ensure minimal risk.

2. Train Your Workers

Don’t just assume that everyone who works in your warehouse knows how to use pallet racks. It is best if you take the time to take your employees through comprehensive training on how to use the pallet racks. More especially those who will be interacting with them regularly.

3. Ensure the Warehouse has Sufficient Lighting and Is Clean at All Times

Unfortunately, most warehouses are usually poorly lit and quite dirty. And these two are among the leading causes of accidents in warehouses. It is the responsibility of the owner to create enough lighting in the warehouse for easy visibility. You should also ensure it is always clean.

4. Proper Installation

Accidents can easily occur if the pallet racks are not installed by a professional. Some warehouse managers do make the mistake of ordering pallet racks and installing them all by themselves to save on costs. This is quite wrong, and installation should be done by a certified engineer.

5. The Loads Placed on The Pallet Racks should be Managed

Overstuffing of pallet racks can lead to accidents. It is advisable for staff working in the warehouse to observe the weight limit of pallet racks. The limit is usually given by the manufacturer. The staff should ensure that the loads are evenly placed on the racks while retaining sufficient space in between them. The loads should also be arranged in terms of sizes. The pallet racks should be placed in areas that are free from obstruction.

6. Conduct Regular Maintenance

Buying the pallet racks shouldn’t be the end of your storage solutions. To avoid accidents, you should schedule frequent inspections with an engineer who will look for faults and come up with ways on how to remedy them. In case any of your staff notices loose connections, they should immediately report the matter.

With these tips, you can be assured of maximum safety when using pallet racks in your warehouse. And since pallet racks do differ depending on the manufacturer, you should always go through the safety measures that are listed on the rack’s user manual.

The Best Short Term Investment Ideas

It’s obvious that investing the hard earned money which you have is a risky business. If you’re able to get proper execution and the right information, you can be able to minimize or control the risk. In case you’re an investor, then it’s obvious you do not wish to see a decline in your portfolio, therefore you must consider some of the short term investment ideas. The short investments usually do not wish to see the growth of larger term investments, this is because they’ve been designed with short and safety amount of time.

The best short term investment ideas:

i) Fixed savings deposit

This kind of deposits are insured or secured 100 percent, therefore any money which will be invested will be returned despite the circumstances. In this case, the fixed rate depends on the maturity date and the number of total deposits.

Foreign current deposits

In this case, the deposits do involve the foreign currency of any type so long the currency market is very high. In many cases, there’s a high confidentiality clause on the foreign currency deposits.

ii) Money market account

This kind of savings account offers high-interest rates. The deposits which are required in this case are substantial and the minimum balance required being high which is at least $1,000. The terms and conditions do limit you such that you can have only 3 withdraws in one month.

iv) Short term investment funds

This investment idea to allow the investors to put funds in a temporarily at one investment avenue at the same time be able to pool their own resources for a larger investment scheme especially in long term. Some of the examples are t-bills, government bills, corporate notes, and banks.

v) Municipal bonds

These’re bonds which are issued by a local government unit or other instrumentalities or agencies. The incomes which you earn from these bonds are not taxed.

vi) Certificate of deposit

This type of savings account which has a specific maturity date such as annually, bi-annually and quarterly. It earns a fixed interest rate and is insured fully by the federal deposit insurance commission. After maturity, you can decide to withdraw all the amount and interest.

vii) Treasury inflation-protected securities.

These’re government bonds which are designed so as to adjust for inflation, therefore makes them the best for both long term and short term investments. In case the interest rate rises the bond prices will drop since the new investor can buy any new bonds at high-interest rates. However, since the securities do adjust with inflation, the bond will not drop to greater levels, therefore, the investors will be secure n short term.

Conclusion

There’s nothing which can make you feel safe especially if you’re able to invest for a short period of time and get high times. If you have never invested in anything, you may find it challenging in getting the best ideas. In case you wish to get the best short term investment ideas then you must look at the above guide, so many people have looked at it and they’ve been successful

The Best Small Business Ideas for Women

I’ve always believed the best small business is the one that you own. I also believe there isn’t a business conducted by a man, that can’t be run by a woman just as well. I mean that if you want to be a mechanic, you should be. Being a woman shouldn’t enter into the equation, as long as you are trained, certified, experienced or whatever is required that would make you good at what you do and providing you love what you do, you should do it.

Having said that, I will make some recommendations as to some businesses that are more likely to appeal to women than men in general.

Now I’m basically dealing with a small business you can start at home. Part-time or full time as you choose. Let’s look at the things you like to do first. If you don’t like what you do you won’t want to do it for any length of time, so it may be a waste of your time and energy. If you truly enjoy what you do you will do a better job and you won’t burn out so easily.

How about something like gift baskets. If you have an eye for appealing arrangements of gifts and supplies such as toiletries and scents, combined with candles and knick-knacks, candies or flowers, and can put one of these together in a short time for birthday, anniversary or whatever gift, this might be your business. Supplies can be found everywhere, like second hand stores, dollar stores, and import stores. Gift Baskets can be very lucrative. I know a lady who started in her garage, and in just a few years opened her own shop and grew to six employees, all of whom were working full time making a good living. The original business expanded to include Party and Event Planning.

Not your idea of the best business for you? How about something a little more risqué. Lingerie Parties. Lingerie Parties can be held in your home, even perhaps outside on your patio or lawn in the right situation. Hosting the party will let you use many of your talents, and if necessary models could be hired to display your lingerie. There are companies that will help you find and acquire lingerie, plan your parties and teach you what you need to know to pull it off. (Pun intended)

Do you like kids? Would you consider a daycare? If you have space and patience, parents everywhere are in need of a good daycare provider. Some areas require permits and are subject to inspections by local officials, but the number of people looking for someone to care for their children during their work schedule. Often times this may require overnight daycare to accommodate their late night or early morning schedules. That is a special niche in itself.

Do you play an instrument, or Are you good at art, or maybe knitting? How about sharing your knowledge with others, give lessons. Nowadays, you can even put together DVD sets teaching your craft and sell them online as downloadables, or ship copies.

Once your business is off the ground, you will need to look into marketing it. As a woman running a business, you are not likely to have a lot of time for this and might want to look into using a professional marketing firm for your marketing needs.

These are but a few suggestions. Pretty much all of these have been proven to be money makers. The key is you can make a business out of just about anything. I highly recommend doing something you love. Chances are if you work toward success, you’ll achieve it.

 

Rrenewable Energy Grants for UK Homeowners

Grants are available to UK property owners to help save energy and make their homes more eco-friendly. Cash is available for installing solar voltaic energy; Courtesy of DemeesterThe UK government aims to meet stringent renewable energy targets, and as a result there are a number of grants available to improve the energy efficiency of private homes. Here is a summary of the grants available, and who can benefit from them.

Clean Energy Cashback Scheme

The Clean Energy Cashback Scheme was introduced in 2010, to compensate individuals and companies generating their own electricity. Participants are paid a feed-in tariff (FIT) to correspond to the amount of electricity they generate, whether they use it themselves or it is fed into the National Grid. This scheme is available for a range of forms of renewable energy generation, but private householders are most likely to receive it for installing solar electricity, or a wind turbine.

In order to qualify for this grant; householders must first arrange for the installation of a suitable product. The installation must be carried out by a technician registered with the Microgeneration Certification Scheme (MCS). The cost of installation must be paid by the householder, but it is suggested that a re-mortgage could be used to finance the work. The energy savings and the FIT payments should more than compensate for the extra monthly mortgage payments, according to the Government Grants website.

This scheme is only really appropriate for householders who are in the position to be able to re-mortgage, or otherwise raise the funds needed to install the necessary equipment. The large upfront payment may put many people off, but participants will benefit from substantial energy cost savings immediately.

Insulation Grants

Insulation grants for installing cavity wall insulation or loft installation, are available to all home-owners and private landlords. Those claiming certain benefits are eligible for 100% grants, covering the full cost of the installation. Other individuals can claim grants representing between 50% and 75% of the cost, depending on individual circumstances.

Gas Central Heating Grant

Grants of up to £3500 are available for the installation of new gas fired central heating systems, with significantly larger grants available for properties requiring oil-fired systems. Householders claiming certain benefits, including housing benefit or council tax benefit, are eligible to apply for these Warm Front Grants. For a full list of eligibility criteria, see the Government Grant website.

Renewable Energy

Following the introduction of the Clean Energy Cashback Scheme; grants for the installation of household energy efficiency equipment, such as air source pumps, ground pumps, solar thermal hot water, and wood-burning stoves, are no longer available. However, the purchase of such equipment through re-mortgage is still encouraged, as energy savings may compensate for the increase in loan repayments.

Grants for Low Emission Vehicles

In December 2010, the Government announced a new incentive scheme consisting of grants to aid in the purchase of new energy efficient vehicles. Nine electric and low-emission petrol cars are included in the scheme, which effectively reduces the retail price of these vehicles by up to 25%.

Grand Turk, Turks and Caicos Islands

Grand Turk is the capital of Turks and Caicos Islands, located 90 miles north of Hispanola; the island shared by the Dominican Republic and Haiti. Contrary to what its name implies; Grand Turk Island only measures 7 miles long. If you are looking for a relaxing beach vacation but do not want to brave the crowded sand in the more popular spots, you have found your place.

Book a room with a view of the beach: The island has retained its British colonial flavour, with wild donkeys and horses running in public fields and bright-coloured antique buildings; some of which have been turned into hotels and are conveniently located steps away from the shore.

You can certainly dive and snorkel in the beautiful Caribbean sea, but while on terra firma take a walk around town to meet the locals. An ethnically diverse group populates the island: Haitians, Grand Turk aborigines, and some United Kingdom natives, give this island a worldly flavour.

Visit the architectural highlights: The Methodist Church boasts quaint architecture, with exposed wooden beams running along the roof and white fans to keep the parishioners cool during prayer. The Simmons House is reminiscent of New Orleans French Quarter architecture. The Coverly Residence is a small, sinister, yet intriguing residence on Front Street, dating back to the 1830s, that is reputed to be haunted.

Try the conch fritters: These spicy balls are made with fresh conch, dusted with flour and deep-fried until golden. After your meal, find one of the local stores and get some quenepes; native fruit of the land.

Collect jewellery: Electric blue and jade sun-kissed glass pieces, make an excellent and inexpensive souvenir, and if you have any creative inclination; buy some wire from your local craft store and you can make some jewellery while watching the tides from your seafront hotel room.

See the video below for some great fun activities to enjoy in Grand Turk.

Data Security Protection; How to Secure Data and Networks

Information security and risk management are the single biggest needs any business has besides profits. So many businesses are being broken into, hacked by thieves and become victims of ID fraud, themselves. Information is stolen and exploited and bank accounts get drained.

There are data security technologies that can better ensure the security of data, employee records and the company’s accounts, and a few simple procedures that will help enable true security.

Control Network Security
  1. Require ID for all employees, even new hires; take care of photo ID before their first day. Instruct all employees that if there’s no ID, then there’s no entry. Strangers are huge threats to data security.
  2. Most industries are public-oriented and service-minded and letting a new hire or client in the office would be preferred. However, when there is an IT security risk, this is not the case. All workers should be instructed on what to do in this situation so nobody is caught off guard.
  3. Piggyback entry, or holding the front door open for others to enter the building should be highly discouraged, no matter how bad the weather may be. Threats to network security sometimes walk in the front door.
  4. Be aware of strangers already inside the office with no obvious form of ID showing and they’re unescorted by someone who works there. Information security vulnerability is seriously higher when strangers get access.
  5. Computer security policy should say that all unattended offices should be locked up tight, with the computer turned off, especially if they contain sensitive information or electronic assets.
  6. Never store passwords on the machine, in a file, taped to the bottom of the monitor or keyboard, or anywhere near the computer. Hide it away from there, making it harder for anyone to grab it and get what they want. Paperless environments and clean-desk policies should be strictly enforced to reduce threats to computer security.
  7. Wireless devices can make security nonexistent if left undiscovered for any length of time. Wireless implements can be very helpful to a business, but a monitor for rogue wireless devices is imperative to stop harmful devices right away, keeping data safe.
  8. The information security system should tell people that administrative access to secure programs should be kept to a bare minimum. The fewer passwords and people that access it, the less the risk of breach is. And, don’t link programs together so that the password to one will get someone access into another, as well.
  9. Users shouldn’t be able to install or download certain file types on the business computer without the IT security manager’s knowledge and permission.
  10. Only if user names and passwords must be stored on a list somewhere, make sure they’re encrypted and that a very select few have access.
  11. There should be a limited number of users who are authorized as domain administrators to limit network security issues. There should be different, more strict password restrictions and no sharing accounts. Each user should have their own specific accounts with separate and unique passwords.
  12. A network monitoring or intrusion detection system are important installations. These programs will alert users to intrusion attempts as they happen.
  13. Having a security management procedure in place for the incidence response team is imperative before the incidence can take place. That way, everyone knows what to do when the alert is sounded.
  14. A picture is worth a thousand words, or, a million bucks (or the amount the company is worth plus profits). Video surveillance is of utmost importance and it should be accessible off-site to only the head of network security administrators, on a secure connection. Cameras may deter some crooks, but unless there’s recording, the cameras don’t do much good.
  15. Do background checks on all employees, and make sure to know which ones are a risk to IT network security and which ones don’t.

If these simple steps are taken care of, there shouldn’t be too much concern for the safety of the company’s secrets, data or money. Just be aware.

Prawn Croquettes or Croquetas de Gambas

Spanish Tapas Dishes Make in Advance, Use Leftovers for Finger Food

Prawn Croquettes or ham or cheese croquettes are a great way to use up leftover food. Make these bites in advance for great little finger food tapas.

Croquettes are popular throughout Spain, they can be made from leftover bits of cheese, ham, jamon, chicken or fish. They are better served hot but can also be served cold with a garlic or chilli dip or mayonnaise.

For a great starter or tapas these prawn croquettes can be made in advance and put in the fridge or even frozen. If they are frozen they need to thaw out naturally and be fairly dry before frying or they tend to fall apart in the hot oil.

Try this version of Prawn Croquettes, then maybe next time alter the flavourings: add some mixed herbs or paprika perhaps a pinch of chilli powder. Have fun experimenting, the batch of mixture could be halved and then different flavourings added to each half. Adding some lemon juice with a fish mixture gives them an alternative taste.

Prawn Croquettes – Croquetas de Gambas Recipe

Ingredients for 12 croquettes
Read on
Tapas a bite of Spain By Janet Mendel
Spanish Tapas – Croquettes
Mediterranean Prawn Dish – Gambas al Pil Pil
55gm butter
55g plain flour
300ml cold milk
400gm peeled prawn, cooked and chopped
Tomato puree or tomato frito
55gm breadcrumbs, fine bought ones are best
1 large egg, beaten well
olive oil for frying
Parsley, for garnishing
Lemon wedges for serving

Method
In a saucepan melt the butter then slowly stir in the flour, let it cook for a minute or two, stirring all the time.

Add the milk very gradually, stirring well to avoid any lumps forming, until it becomes a lovely thick smooth sauce.

Add the chopped prawns, tomato paste and seasoing and continue to cook gently for 5 – 10 minutes, stirring continuously. The mixture needs to be fairly thick.
Let this prawn mixture cool down completely, overnight is better, but not absolutely necessary.

it’s time to shape the mixture use a spoon and scoop up about half a tablespoon then shape it into a cylinder, repaet with all the mixture.
Then cover the croquettes in breadcrumbs first then the beaten egg,. then breadcrumbs again.

They can now be frozen or put in the fridge for a day or two.

When it’s time to cook the croquettes, heat up the oil in a pan so that it is at least 3cm deep. Fry the cylinders for about 5 minutes each until they become a lovely golden brown colour.

Remove carefully with a slotted spoon onto some kitchen paper then transfer them onto a serving plate and garnish with parsley and wedges of lemon.

The Influence of Society on the Individual

Weber and Durkheim offer different approaches to how socialization occurs, what the processes and stages are and to what degree society influences us in our daily lives.

There are two differing conflicting points of view when examining the influence of socialization on the individual. The “objective view”, building on theories by Emile Durkheim (1858-1917), claims that society has a strong influence on the individuals who need to adapt themselves to an already determined fixed society. The “subjective view”, following ideas by Max Weber (1864-1920), claims that the response or reaction of the individual is a determining factor that constantly and consistently shapes and molds society itself.

What is Socialization?

Socialization is the process through which people become acquainted with and learn about their culture and are then transformed into members of their society. Culture represents values and ideals transmitted from generation to generation which then give rise to an individual identity embedded in that particular culture. Individuals gain specific knowledge and necessary abilities to participate and become active members of social life; this in turn influences the characteristic and unique behaviors of their society.

The Three Stages of Socialization

There are three different stages of socialization that take place at given moments in one’s life. The first one occurs when individuals become part of a nuclear family and develop a sense of themselves as separate and distinct from the world outside. In this case, parents are important agents that teach each individual about culture and society.

The second stage is the realization that parents are not the only social factors in life, as the child enters school, meets and has contact with other people and learns about various rules of social contract, control and values, apart from the family home.

The third stage signifies the point where the individuals internalize cultural models of society and after assimilating these rules, they convert them into their own personal rules of conduct and behavior in life.

Durkheim’s Theory

Durkheim believes that social facts are outside of the individual. A social fact is any kind of behavior or model of thinking and feeling that characterizes a given society. Education serves as means to convert individuals into fully functioning members of society. As a result, each person becomes a product of their society.

Weber’s Theory

Weber believed that society cannot exist without the actions of its members, its individuals. Social facts are accumulated actions of individuals of a society. To Weber, society is made up of active subjects involved in interaction with each other.

A Combination of Both Views

As in many major debates regarding, such as nature versus nurture, there is often an interaction of both forces. Society influences the individual, yet the individual exerts an amount of influence on his or her society. It also depends on various other factors, such as psychological make-up of the individual which ought to be considered and taken into account as well.

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