{"id":535,"date":"2026-04-22T19:42:26","date_gmt":"2026-04-22T10:42:26","guid":{"rendered":"https:\/\/wismoney.jp\/chokin\/expert\/?p=535"},"modified":"2026-04-22T19:44:26","modified_gmt":"2026-04-22T10:44:26","slug":"beyond-budgeting","status":"publish","type":"post","link":"https:\/\/wismoney.jp\/chokin\/expert\/beyond-budgeting\/","title":{"rendered":"\u5bb6\u8a08\u7c3f\u30a2\u30d7\u30ea\u30923\u56de\u6d88\u3057\u305f\u4eba\u3078\uff5c\u3082\u3046\u8a18\u9332\u3057\u306a\u304f\u3066\u3044\u3044\u7ba1\u7406\u6cd5"},"content":{"rendered":"<p>\u5bb6\u8a08\u7c3f\u30a2\u30d7\u30ea\u30923\u56de\u30a4\u30f3\u30b9\u30c8\u30fc\u30eb\u3057\u30663\u56de\u524a\u9664\u3057\u305f\u306a\u3089\u3001\u610f\u5fd7\u304c\u5f31\u3044\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002<strong>\u632b\u6298\u306e\u539f\u56e0\u306f\u8a18\u9332\u3068\u3044\u3046\u884c\u70ba\u305d\u306e\u3082\u306e\u306b\u3042\u308b<\/strong>\u305f\u3081\u3001\u30a2\u30d7\u30ea\u3092\u5909\u3048\u3066\u30824\u56de\u76ee\u306f\u540c\u3058\u7d50\u679c\u306b\u306a\u308a\u307e\u3059\u3002\u3053\u306e\u8a18\u4e8b\u3067\u306f\u3001\u8a18\u9332\u3092\u3084\u3081\u3066\u3082\u5bb6\u8a08\u3092\u7ba1\u7406\u3067\u304d\u308b<strong>\u6b8b\u9ad8\u30d9\u30fc\u30b9\u7ba1\u7406<\/strong>\u3092\u7d39\u4ecb\u3057\u307e\u3059\u3002<\/p>\n<h2>\u5bb6\u8a08\u7c3f\u30a2\u30d7\u30ea\u30923\u56de\u6d88\u3057\u305f\u4eba\u306b\u5171\u901a\u3059\u308b\u8a18\u9332\u75b2\u308c\u306e\u30e1\u30ab\u30cb\u30ba\u30e0<\/h2>\n<p>\u307e\u305f\u7d9a\u304b\u306a\u304b\u3063\u305f\u81ea\u5206\u3092\u8cac\u3081\u3066\u3044\u307e\u305b\u3093\u304b\u3002\u682a\u5f0f\u4f1a\u793eNilCraft\u304c2026\u5e744\u6708\u306b\u5b9f\u65bd\u3057\u305f\u8abf\u67fb\u306b\u3088\u308b\u3068\u3001\u5bb6\u8a08\u7c3f\u306e\u632b\u6298\u7d4c\u9a13\u8005\u306e\u3046\u3061<strong>\u7d043\u5272\uff0828.0%\uff09\u304c3\u30f6\u6708\u4ee5\u5185\u306b\u3084\u3081\u3066\u304a\u308a\u30011\u30f6\u6708\u672a\u6e80\u3067\u8131\u843d\u3057\u305f\u4eba\u308219.7%<\/strong>\u306b\u4e0a\u308a\u307e\u3059\u3002<\/p>\n<table>\n<thead>\n<tr>\n<th>\u632b\u6298\u7406\u7531<\/th>\n<th>\u5272\u5408<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u5165\u529b\u30fb\u8a18\u9332\u306e\u7fd2\u6163\u304c\u5b9a\u7740\u3057\u306a\u304b\u3063\u305f<\/td>\n<td>30.0%<\/td>\n<\/tr>\n<tr>\n<td>\u6c7a\u6e08\u65b9\u6cd5\u304c\u591a\u304f\u7ba1\u7406\u304c\u8907\u96d1\u306b\u306a\u3063\u305f<\/td>\n<td>17.7%<\/td>\n<\/tr>\n<tr>\n<td>\u652f\u51fa\u306e\u5206\u985e\u3092\u7d30\u304b\u304f\u5206\u3051\u308b\u306e\u304c\u9762\u5012<\/td>\n<td>16.3%<\/td>\n<\/tr>\n<tr>\n<td>1\u5186\u3067\u3082\u8a08\u7b97\u304c\u5408\u308f\u306a\u3044\u3068\u5acc\u306b\u306a\u3063\u305f<\/td>\n<td>7.3%<\/td>\n<\/tr>\n<tr>\n<td>\u7121\u99c4\u9063\u3044\u306e\u73fe\u5b9f\u3092\u76f4\u8996\u3059\u308b\u306e\u304c\u8f9b\u3044<\/td>\n<td>6.7%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><small>\u51fa\u5178\uff1a<a href=\"https:\/\/prtimes.jp\/main\/html\/rd\/p\/000000001.000182139.html\" target=\"_blank\" rel=\"noopener\">\u682a\u5f0f\u4f1a\u793eNilCraft\u300c\u5bb6\u8a08\u7c3f\u7d99\u7d9a\u5b9f\u614b\u8abf\u67fb\u300d\uff082026\u5e744\u6708\u3001n=600\uff09<\/a><\/small><\/p>\n<p>\u4e0a\u4f4d4\u9805\u76ee\u3092\u5408\u8a08\u3059\u308b\u3068<strong>\u7d047\u5272\uff0871.3%\uff09\u304c\u8a18\u9332\u4f5c\u696d\u306e\u7169\u308f\u3057\u3055<\/strong>\u3067\u96e2\u8131\u3057\u3066\u304a\u308a\u3001\u7121\u99c4\u9063\u3044\u306e\u76f4\u8996\uff086.7%\uff09\u3084\u7bc0\u7d04\u75b2\u308c\uff085.7%\uff09\u3068\u3044\u3063\u305f\u5fc3\u7406\u7684\u7406\u7531\u306f\u3044\u305a\u308c\u30821\u5272\u672a\u6e80\u30023\u56de\u6d88\u3057\u305f\u306a\u3089\u3001<strong>\u30a2\u30d7\u30ea\u3067\u306f\u306a\u304f\u8a18\u9332\u3068\u3044\u3046\u884c\u70ba\u81ea\u4f53\u304c\u5408\u3063\u3066\u3044\u306a\u3044<\/strong>\u3068\u8003\u3048\u308b\u3079\u304d\u3067\u3059\u3002<\/p>\n<div class=\"freebox has-title \" style=\"background:#FFF3E0;border-color:#FF9800;border-radius:0 5px 5px;\"><p class=\"p-free\" style=\"background:#FF9800;border-color:#FF9800;font-weight:bold;\"><span class=\"p-entry-f\" style=\"background:#FF9800;font-weight:bold;border-radius: 0 0 5px 0;\"><i class=\"st-fa  st-svg-check-circle faa-ring animated st-css-no\" aria-hidden=\"true\"><\/i>3\u56de\u632b\u6298\u306e\u5178\u578b\u30b5\u30a4\u30af\u30eb<\/span><\/p><div class=\"free-inbox\">\n<p><strong>1\u56de\u76ee<\/strong>\uff1a\u65b0\u3057\u3044\u30a2\u30d7\u30ea\u3078\u306e\u671f\u5f85 \u2192 \u5165\u529b\u304c\u5104\u52ab\u306b\u306a\u308a\u524a\u9664<\/p>\n<p><strong>2\u56de\u76ee<\/strong>\uff1a\u9ad8\u6a5f\u80fd\u30a2\u30d7\u30ea\u306b\u4e57\u308a\u63db\u3048 \u2192 \u6a5f\u80fd\u904e\u591a\u3067\u524a\u9664<\/p>\n<p><strong>3\u56de\u76ee<\/strong>\uff1a\u30b7\u30f3\u30d7\u30eb\u306a\u30a2\u30d7\u30ea\u306b\u5909\u66f4 \u2192 \u8a18\u9332\u81ea\u4f53\u304c\u7d9a\u304b\u305a\u524a\u9664<\/p>\n<p><strong>4\u56de\u76ee<\/strong>\uff1a\u8a18\u9332\u3092\u3084\u3081\u3066\u6b8b\u9ad8\u3067\u7ba1\u7406\u3059\u308b\u65b9\u6cd5\u306b\u5207\u308a\u66ff\u3048\u308b<\/p>\n<\/div><\/div>\n<div class=\"st-kaiwa-box clearfix kaiwaicon1\">\r\n\t<div class=\"st-kaiwa-face\"><img decoding=\"async\" src=\"https:\/\/wismoney.jp\/chokin\/expert\/wp-content\/uploads\/2026\/01\/1111-300x300.jpg\" alt=\"FP\" width=\"100\" height=\"100\">\r\n\t\t<div class=\"st-kaiwa-face-name\">FP<\/div>\r\n\t<\/div>\r\n\t<div class=\"st-kaiwa-area\">\r\n\t\t<div class=\"st-kaiwa-hukidashi\">\u7d9a\u304f\u4eba\u3068\u7d9a\u304b\u306a\u3044\u4eba\u3092\u898b\u3066\u3044\u308b\u3068\u3001\u304a\u91d1\u3078\u306e\u95a2\u5fc3\u5ea6\u306b\u5dee\u306f\u306a\u3044\u3093\u3067\u3059\u3002\u9055\u3044\u306f\u8a18\u9332\u4f5c\u696d\u3092\u82e6\u75db\u306b\u611f\u3058\u308b\u304b\u3069\u3046\u304b\u3002\u82e6\u75db\u306a\u3089\u5225\u306e\u65b9\u6cd5\u3092\u9078\u3076\u306e\u304c\u5408\u7406\u7684\u3067\u3059\u3002<\/div>\r\n\t<\/div>\r\n<\/div>\n<h2>\u5bb6\u8a08\u7c3f\u30a2\u30d7\u30ea\u306e\u4ee3\u308f\u308a\u306b\u306a\u308b\u300c\u6b8b\u9ad8\u30d9\u30fc\u30b9\u7ba1\u7406\u300d\u306e\u4ed5\u7d44\u307f<\/h2>\n<p><strong>\u6b8b\u9ad8\u30d9\u30fc\u30b9\u7ba1\u7406\u3068\u306f\u3001\u6708\u521d\u3068\u6708\u672b\u306e\u53e3\u5ea7\u6b8b\u9ad8\u306e\u5dee\u984d\u3092\u307e\u305a\u78ba\u8a8d\u3057\u3001\u5fc5\u8981\u306a\u6642\u3060\u3051\u30ab\u30fc\u30c9\u660e\u7d30\u3067\u5185\u8a33\u3092\u898b\u308b\u65b9\u6cd5\u3067\u3059<\/strong>\uff08\u672c\u8a18\u4e8b\u3067\u306e\u547c\u79f0\u3067\u3001\u4e00\u822c\u7684\u306a\u7528\u8a9e\u3067\u306f\u3042\u308a\u307e\u305b\u3093\uff09\u3002\u56fa\u5b9a\u8cbb\u306f\u53e3\u5ea7\u5f15\u304d\u843d\u3068\u3057\u3001\u5909\u52d5\u8cbb\u306f\u30ab\u30fc\u30c9\u660e\u7d30\u3067\u81ea\u52d5\u8a18\u9332\u3055\u308c\u308b\u305f\u3081\u3001<strong>\u8aad\u8005\u304c\u624b\u5165\u529b\u3059\u308b\u5fc5\u8981\u304c\u306a\u3044<\/strong>\u306e\u3067\u3059\u3002<\/p>\n<h3>\u8a18\u9332\u578b\u3068\u6b8b\u9ad8\u30d9\u30fc\u30b9\u7ba1\u7406\u306e\u6bd4\u8f03<\/h3>\n<table>\n<thead>\n<tr>\n<th>\u9805\u76ee<\/th>\n<th>\u8a18\u9332\u578b\u5bb6\u8a08\u7c3f<\/th>\n<th>\u6b8b\u9ad8\u30d9\u30fc\u30b9\u7ba1\u7406<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u65e5\u6b21\u306e\u4f5c\u696d<\/td>\n<td>\u30ec\u30b7\u30fc\u30c8\u5165\u529b\u30fb\u30ab\u30c6\u30b4\u30ea\u5206\u3051<\/td>\n<td>\u306a\u3057<\/td>\n<\/tr>\n<tr>\n<td>\u6708\u6b21\u306e\u4f5c\u696d<\/td>\n<td>\u96c6\u8a08\u30fb\u6b8b\u9ad8\u5408\u308f\u305b<\/td>\n<td>\u6b8b\u9ad8\u78ba\u8a8d\uff0830\u79d2\u00d72\u56de\uff09<\/td>\n<\/tr>\n<tr>\n<td>\u5185\u8a33\u628a\u63e1<\/td>\n<td>\u9805\u76ee\u5225\u306b\u81ea\u52d5\u96c6\u8a08<\/td>\n<td>\u30ab\u30fc\u30c9\u660e\u7d30\u3067\u5fc5\u8981\u6642\u306e\u307f<\/td>\n<\/tr>\n<tr>\n<td>\u5411\u3044\u3066\u3044\u308b\u4eba<\/td>\n<td>\u5185\u8a33\u3092\u7d30\u304b\u304f\u898b\u305f\u3044\u4eba<\/td>\n<td>\u6b8b\u9ad8\u304c\u6e1b\u3089\u306a\u3051\u308c\u3070OK\u306a\u4eba<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u3053\u306e\u65b9\u5411\u6027\u306b\u306f\u6d88\u8cbb\u8005\u30cb\u30fc\u30ba\u306e\u88cf\u4ed8\u3051\u3082\u3042\u308a\u307e\u3059\u3002\u540c\u8abf\u67fb\u3067\u5bb6\u8a08\u7c3f\u30c4\u30fc\u30eb\u306b\u6c42\u3081\u308b\u6761\u4ef6\u3092\u5c0b\u306d\u305f\u7d50\u679c\u3001<strong>\u300c\u5165\u529b\u304c\u7d42\u308f\u308b\u30b7\u30f3\u30d7\u30eb\u3055\u300d\u304c42.3%\u30671\u4f4d<\/strong>\u3002\u30b0\u30e9\u30d5\u8868\u793a\uff088.3%\uff09\u3084\u30ec\u30b7\u30fc\u30c8\u64ae\u5f71\uff084.6%\uff09\u3068\u3044\u3063\u305f\u9ad8\u6a5f\u80fd\u306f1\u5272\u672a\u6e80\u3067\u3057\u305f\u3002\u6c42\u3081\u3089\u308c\u3066\u3044\u308b\u306e\u306f<strong>\u8a18\u9332\u306e\u8ca0\u62c5\u3092\u6e1b\u3089\u3059\u4ed5\u7d44\u307f<\/strong>\u3067\u3042\u308a\u3001\u6b8b\u9ad8\u30d9\u30fc\u30b9\u7ba1\u7406\u306f\u305d\u306e\u7a76\u6975\u5f62\u3067\u3059\u3002<\/p>\n<div class=\"st-kaiwa-box clearfix kaiwaicon1\">\r\n\t<div class=\"st-kaiwa-face\"><img decoding=\"async\" src=\"https:\/\/wismoney.jp\/chokin\/expert\/wp-content\/uploads\/2026\/01\/1111-300x300.jpg\" alt=\"FP\" width=\"100\" height=\"100\">\r\n\t\t<div class=\"st-kaiwa-face-name\">FP<\/div>\r\n\t<\/div>\r\n\t<div class=\"st-kaiwa-area\">\r\n\t\t<div class=\"st-kaiwa-hukidashi\">\u5185\u8a33\u304c\u5206\u304b\u3089\u306a\u3044\u3068\u4e0d\u5b89\u3068\u3044\u3046\u65b9\u3082\u3044\u307e\u3059\u304c\u3001\u5fc5\u8981\u306a\u6642\u3060\u3051\u30ab\u30fc\u30c9\u660e\u7d30\u3092\u898b\u308c\u3070\u4e8b\u8db3\u308a\u307e\u3059\u3002\u6bce\u65e5\u8a18\u9332\u3059\u308b\u306e\u306f\u8cbb\u7528\u5bfe\u52b9\u679c\u304c\u5408\u3044\u307e\u305b\u3093\u3002<\/div>\r\n\t<\/div>\r\n<\/div>\n<h2>\u4eca\u65e5\u304b\u3089\u59cb\u3081\u308b\u6b8b\u9ad8\u30d9\u30fc\u30b9\u7ba1\u7406\u306e3\u30b9\u30c6\u30c3\u30d7<\/h2>\n<p>\u7279\u5225\u306a\u30a2\u30d7\u30ea\u306f\u4e0d\u8981\u3067\u3059\u3002\u30b9\u30de\u30db\u306e\u30e1\u30e2\u5e33\u3068\u9280\u884c\u53e3\u5ea7\u304c\u3042\u308c\u3070\u59cb\u3081\u3089\u308c\u307e\u3059\u3002<\/p>\n<div class=\"st-mybox  has-title \" style=\"background:#E1F5FE;border-color:#B3E5FC;border-width:2px;border-radius:5px;margin: 25px 0;\"><p class=\"st-mybox-title\" style=\"color:#03A9F4;font-weight:bold;text-shadow: #fff 3px 0px 0px, #fff 2.83487px 0.981584px 0px, #fff 2.35766px 1.85511px 0px, #fff 1.62091px 2.52441px 0px, #fff 0.705713px 2.91581px 0px, #fff -0.287171px 2.98622px 0px, #fff -1.24844px 2.72789px 0px, #fff -2.07227px 2.16926px 0px, #fff -2.66798px 1.37182px 0px, #fff -2.96998px 0.42336px 0px, #fff -2.94502px -0.571704px 0px, #fff -2.59586px -1.50383px 0px, #fff -1.96093px -2.27041px 0px, #fff -1.11013px -2.78704px 0px, #fff -0.137119px -2.99686px 0px, #fff 0.850987px -2.87677px 0px, #fff 1.74541px -2.43999px 0px, #fff 2.44769px -1.73459px 0px, #fff 2.88051px -0.838246px 0px;background: linear-gradient(0deg,#E1F5FE 0%,#E1F5FE 55%,rgba(0,0,0,0) 55%,rgba(0,0,0,0) 100%);\"><i class=\"st-fa st-svg-check-circle st-css-no\" aria-hidden=\"true\"><\/i>\u6b8b\u9ad8\u30d9\u30fc\u30b9\u7ba1\u7406\u306e\u59cb\u3081\u65b9<\/p><div class=\"st-in-mybox\">\n<p><strong>\u30b9\u30c6\u30c3\u30d71<\/strong>\uff1a\u751f\u6d3b\u8cbb\u7528\u306e\u53e3\u5ea7\u30921\u3064\u6c7a\u3081\u308b\uff08\u7d66\u4e0e\u632f\u8fbc\u53e3\u5ea7\u3067OK\uff09<\/p>\n<p><strong>\u30b9\u30c6\u30c3\u30d72<\/strong>\uff1a\u6708\u521d\u306b\u6b8b\u9ad8\u3092\u30b9\u30de\u30db\u306b\u30e1\u30e2\uff0830\u79d2\uff09<\/p>\n<p><strong>\u30b9\u30c6\u30c3\u30d73<\/strong>\uff1a\u6708\u672b\u306b\u6b8b\u9ad8\u3092\u898b\u3066\u6e1b\u308a\u5177\u5408\u3092\u78ba\u8a8d<\/p>\n<\/div><\/div>\n<p>\u56fa\u5b9a\u8cbb\u3092\u81ea\u52d5\u5f15\u304d\u843d\u3068\u3057\u306b\u3057\u3001\u5909\u52d5\u8cbb\u30921\u679a\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306b\u96c6\u7d04\u3059\u308b\u3068\u3001\u4ed5\u7d44\u307f\u306f\u3088\u308a\u5f37\u56fa\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<h2>\u6b8b\u9ad8\u30d9\u30fc\u30b9\u7ba1\u7406\u3067\u3082\u632b\u6298\u3059\u308b\u4eba\u304c\u898b\u843d\u3068\u3059\u30dd\u30a4\u30f3\u30c8<\/h2>\n<p>\u8a18\u9332\u306e\u624b\u9593\u306f\u30bc\u30ed\u3067\u3059\u304c\u3001\u4ed5\u7d44\u307f\u304c\u5d29\u308c\u308b\u843d\u3068\u3057\u7a74\u3082\u3042\u308a\u307e\u3059\u30024\u56de\u76ee\u306e\u632b\u6298\u3092\u9632\u3050\u305f\u3081\u306e3\u70b9\u3067\u3059\u3002<\/p>\n<p>\u7b2c\u4e00\u306b\u3001<strong>\u53e3\u5ea7\u304c\u5206\u6563\u3057\u3066\u3044\u308b<\/strong>\u30b1\u30fc\u30b9\u3002\u751f\u6d3b\u8cbb\u304c\u8907\u6570\u53e3\u5ea7\u306b\u307e\u305f\u304c\u308b\u3068\u3001\u3069\u306e\u6b8b\u9ad8\u3092\u6bd4\u8f03\u3059\u3079\u304d\u304b\u66d6\u6627\u306b\u306a\u308a\u307e\u3059\u3002\u751f\u6d3b\u8cbb\u7528\u53e3\u5ea71\u3064\u3078\u306e\u96c6\u7d04\u304c\u524d\u63d0\u3067\u3059\u3002<\/p>\n<p>\u7b2c\u4e8c\u306b\u3001<strong>\u73fe\u91d1\u3092\u983b\u7e41\u306b\u4f7f\u3046<\/strong>\u30b1\u30fc\u30b9\u3002ATM\u3067\u5f15\u304d\u51fa\u3059\u3068\u6b8b\u9ad8\u3068\u652f\u51fa\u306e\u30bf\u30a4\u30df\u30f3\u30b0\u304c\u305a\u308c\u307e\u3059\u3002\u5f15\u304d\u51fa\u3057\u305f\u5206\u306f\u305d\u306e\u6708\u306b\u4f7f\u3044\u5207\u308b\u3068\u30eb\u30fc\u30eb\u5316\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n<p>\u7b2c\u4e09\u306b\u3001<strong>\u30ab\u30fc\u30c9\u660e\u7d30\u306e\u78ba\u8a8d\u3092\u653e\u68c4\u3059\u308b<\/strong>\u30b1\u30fc\u30b9\u3002\u67081\u56de10\u5206\u3067\u3001\u4f7f\u9014\u4e0d\u660e\u91d1\u3084\u30b5\u30d6\u30b9\u30af\u306e\u91cd\u8907\u304c\u898b\u3064\u304b\u308a\u307e\u3059\u3002<\/p>\n<div class=\"st-kaiwa-box clearfix kaiwaicon1\">\r\n\t<div class=\"st-kaiwa-face\"><img decoding=\"async\" src=\"https:\/\/wismoney.jp\/chokin\/expert\/wp-content\/uploads\/2026\/01\/1111-300x300.jpg\" alt=\"FP\" width=\"100\" height=\"100\">\r\n\t\t<div class=\"st-kaiwa-face-name\">FP<\/div>\r\n\t<\/div>\r\n\t<div class=\"st-kaiwa-area\">\r\n\t\t<div class=\"st-kaiwa-hukidashi\">\u5d29\u308c\u308b\u65b9\u306e\u591a\u304f\u306f\u3001\u53e3\u5ea7\u5206\u6563\u304b\u73fe\u91d1\u591a\u7528\u306b\u8a72\u5f53\u3057\u307e\u3059\u3002\u751f\u6d3b\u8cbb\u306e\u51fa\u5165\u308a\u30921\u3064\u306e\u53e3\u5ea7\u306b\u96c6\u7d04\u3059\u308c\u3070\u3001\u3042\u3068\u306f\u81ea\u52d5\u3067\u56de\u3063\u3066\u3044\u304d\u307e\u3059\u3002<\/div>\r\n\t<\/div>\r\n<\/div>\n<h2>\u5bb6\u8a08\u7c3f\u30a2\u30d7\u30ea\u306e\u4ee3\u308f\u308a\u306b\u95a2\u3059\u308b\u3088\u304f\u3042\u308b\u8cea\u554f<\/h2>\n<h3>Q1. 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&#8230; 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