that the borrower will not continue to be employed at the current level, the current, account and borrows $10,000 against the 401(k), enter $10,000 as secured borrowed Cash Back Up to $500,000. But keep in mind that loan guidelines vary by lender. of tax returns may be required. Should you use an asset depletion mortgage? Do you have Trust assets with totally unrestricted use? of an asset account or other limited benefit, the lender must document the likelihood documentation requirements necessary for the lender to process the loan application. Sale in Section 3 of the loan application. be conducted to determine if any variable income should be used, but in no instance Download the Guide. Fannie Mae was created in 1939 to combat the lack of affordable housing during the Great Depression. Our free, easy-to-use calculators can help you crunch important numbers as you navigate your home journey. There are legitimate Are you self-employed but show little to no income? The account and its asset composition must be documented with the most recent monthly, quarterly, or annual statement. Dissipation of marital assets refers to the unauthorized or improper use of marital property or assets by one spouse during a marriage. What is Asset Depletion and Why is it Important? Please reach out to your lender for precise calculations. Ask Poli features exclusive Q&As and moreplus official Selling & Servicing Guide content. Affiliate Disclosure Link: We are audience supported - when you make a purchase through our site, we may earn an affiliate commission, such as through Amazon. We recommend that you use the latest version of FireFox or Chrome. credit to the transaction and will reduce the borrowers required funds to close as We recommend that you use the latest version of FireFox or Chrome. Looking For a New Savings Challenge? That means asset depletion loan guidelines can vary a lot from one lender to the next. However, borrowers hoping for an income boost with liquidable assets are required to use funds from retirement accounts only . 45% maximum with exceptions up to 50%. of continued receipt of the income for at least three years. Brecksville, Ohio, United States. Income sources that are not listed above will require lender judgment to determine Assets used for the calculation of the monthly income stream must be owned individually by the borrower, or the co-owner of the assets must be a co-borrower of the mortgage loan. income documentation may be necessary to support a three-year continuance. Not all lenders offer asset depletion mortgages. B1 B2 Enter gross monthly rent (from the lease agreement) or market rent (from Form 1025) for the applicable rental unit Multiply gross monthly rent or market rent by 75% . Visit Selling and Servicing Guide Communications and Forms. Its important to note that the maximum loan amount will also depend on the borrowers total qualifying assets. Well also take a closer look at how borrowers can use their assets as a source of income to lower their debt-to-income ratio requirements. Intentional dissipation can be a risky strategy, as it can result in the borrower depleting their assets, leaving them with little to no savings or financial security. Further, not all loan programs allow for asset depletion as an acceptable income source. It helped provide continuous and steady funding for housing and introduced a new type of mortgage to the market: the long-term, fixed-rate loan with an option to refinance at any time. Enter a gift of equity in Section 4d of the loan application. a 25% or greater ownership interest. This level of documentation may not be adequate for every borrower and every situation. Fannie Mae's underwriting guidelines emphasize the continuity of a borrower's stable income. Youll want to shop and compare rates, closing costs, and closing times before making your decision. The documentation must be in compliance with the . Loan Purpose: Purchase and limited cash-out refinance only: Occupancy of income being received. The end result may be used as a qualifying monthly income. Having Issues with Seeing this Page Correctly? bridge loan liability discussion in This may include providing information about retirement funds, investment portfolios, and other qualifying assets. National UW Team with $2 million underwriting Authority . This From understanding the eligibility requirements to calculating your asset depletion or dissipation, well cover everything you need to know to make an informed decision. received for borrowers with less predictable sources of income, the lender must obtain B3-4.3-04, Personal Gifts, and For example, if you have a $1 million investment account with your bank, they may offer you a 15-year mortgage and use your asset balance to give you $5,555.56 per month of qualifying income ($1,000,000 . If you have additional questions, Fannie Mae customers can visit Ask Poli to get Virtual currency is not an eligible asset. For example, borrowers may have overtime income that is cyclical (transportation to time limits, such as contract employees or tradesmen. version of a page. Depository Assets. lower amount of variable income must be used. B3-3.1-09, Other Sources of Income. So, if youre tired of being denied a mortgage based on traditional underwriting methods, keep reading to discover how Asset Dissipation Underwriting and Asset Depletion Mortgages can help you secure the financing you need. however, variable income that has been received for 12 to 24 months may be considered Having Issues with Seeing this Page Correctly? 800-220-loan (5626) purchase Federal National Mortgage Association Fannie Mae's depreciation, depletion and amortization for the three months ended in Dec. 2022 was $0 Mil. feel free to email, two consecutive monthly bank statements (60 days of account activity) for all purchase As a financial planner, I helped people from all walks of life. There are a few facts and figures borrowers need to understand before diving into an asset depletion program. For a comprehensive list of resources such as access forms, announcements, lender letters, notices and more. Examples: If a borrower is paid an annual bonus on March 31st of each year, the amount of the March bonus should be divided by 12 to obtain an expiration date and the applicable history of receipt of the income is documented current period overtime and year-to-date earnings and document the analysis before Try 12 Fun Money 30 Day Savings Challenge: Plan & Track For Extra Savings. date, and the lender must confirm that the funds in the account have not been transferred Understanding asset depletion and its implications can be a key factor in maximizing mortgage lending opportunities. Lender does not need to document 3year continuance, bonus, overtime, commission, or tip income, interest and dividend income (unless other evidence that asset will be depleted), part-time job, second job, or seasonal income, Social Security, VA, or other government retirement or annuity, alimony, child support, or separate maintenance, distributions from a retirement account for example, 401(k), IRA, SEP, Keogh, Social Security (not including retirement or long-term disability), VA benefits (not including retirement or long-term disability). Note: All income must be translated to U.S. dollars. workers with fluctuating hours, or income that includes commissions, bonuses, or overtime. Explore loan programs with Freddie Mac. one monthly statement (30 days of account activity) for all limited cash-out and cash . Borrowers should be aware of the eligibility requirements, documentation requirements, and factors that lenders consider when evaluating asset depletion. These alternative underwriting methods allow borrowers to use their liquid and non-liquid assets to qualify for a mortgage, even if their income falls short of traditional lending requirements. there are positive factors that reasonably offset the shorter income history. The Guide on AllRegs is the official electronic version of the Single-Family Seller/Servicer Guide. documentation requirements described in this Chapter. In conclusion, securing an asset depletion mortgage loan can be a viable option for borrowers with substantial assets but limited income. Depletion (+) (+) Subtotal Schedule E, from royalties $ $ 1Refer to Form 92 for net rental income calculations using IRS Schedule E 7. The Colorado broker ran the numbers for an asset depletion loan as defined by Fannie Mae. Borrowers need to provide asset documentation, such as IRA account statements, and get pre-approved for the mortgage. Remember, this is their total income not their maximum mortgage payment. Additional analysis must Asset depletion mortgage loans offer a significant advantage to borrowers in terms of debt-to-income ratio requirements. closing. employment verification vendor). In this case, the lender will calculate the borrowers maximum mortgage payment based on a monthly income of $6,527. Note that dividing the bonus Does Chime have Zelle? Income Trending: After the monthly year-to-date income amount is calculated, it must be compared Borrowers need to have a debt-to-income ratio that meets the program requirements. Fannie Mae customers! ), Bridge loans should also be considered in the net equity calculation for properties Double check all the fillable fields to ensure complete accuracy. Assets must be liquid and available to the borrower and must be sourced as one of the following: If a penalty would apply to a distribution of funds from the account made at the time of calculation, then the amount of such penalty applicable to a complete distribution from the account (after costs for the transaction) must be subtracted to determine the income stream from these assets. able to earn consistent and predictable income, are also considered to have a reliable Lenders use Asset Depletion Mortgage and Asset Dissipation Loan underwriting to assess the ability of a borrower to repay a loan. The lender must investigate the difference between Get answers to your Selling Guide & policy questions with Fannie Mae's AI-powered search tool. or corporations, or any other type of business structure in which the borrower has By including his retirement account as part of his total liquid assets, we were able to significantly lower his debt-to-income ratio and help him qualify for the mortgage. Now that we understand the importance of asset depletion in mortgage lending, lets explore the benefits of asset depletion mortgage loans in more detail. For a comprehensive list of resources such as access forms, announcements, lender letters, notices and more. You want to strategically move your pieces in a way that maximizes your lending opportunities while minimizing your risks. refinance transactions. See The earnest money check is assumed to have cleared the borrowers I had a client who was a retiree and had a significant amount of assets in his retirement account. If the trend is declining, the income may not be stable. How does it work? Perhaps it was because Fannie Mae requires no less than a 360 month period, or perhaps it was only to be more conservative from an underwriting standpoint.) if the borrower has a vested value, less taxes and penalties, of $30,000 in a 401(k) The good news here, the primary can be one to four units. Employed by a foreign corporation or a foreign government and paid in foreign currency Liquidity ratios. feel free to email. WASHINGTON, DC - May 19, 2020 - Fannie Mae (FNMA/OTCQB) today announced flexibilities for homeowners who have taken a forbearance due to a COVID-19 financial hardship to refinance their mortgage or buy a new home. The following table provides the requirements for employment-related assets that may be used as qualifying income. documentation may differ from the requirements described above. Loan Amounts up to $3,000,000. For depository assets (checking and savings accounts, money market funds, and certificates of deposit), DU will require the following: two consecutive monthly bank statements (60 days of account activity) for all purchase transactions, or. It is treated as a `(A) IN GENERAL- Any assistance provided with any affordable housing grant amounts may not be made available to, or on behalf of, any individual or household unless the individual provides, or, in the case of a household, all adult members of the household provide, personal identification in one of the following forms: `(i) SOCIAL SECURITY CARD WITH PHOTO IDENTIFICATION CARD OR REAL ID ACT . Strategic and analytical professional Credit Analysis and Due Diligence Underwriter with over 13 years of experience. Allows borrowers to use their assets to qualify for a mortgage. Secondly, borrowers should be prepared to provide detailed documentation of their assets, including retirement funds, stocks, and other assets that can be used to calculate asset depletion income. Keep reading to learn more. (See Overall, intentional dissipation is a controversial strategy that should be carefully considered before being used by borrowers. Center, Apps business, such as non-recurring income and expenses, depreciation and depletion (if applicable). A gift of equity must meet the gift of equity requirements defined in Fannie Mae customers! Preparing For Homeownership Rent vs. Buy Calculator The answer to the question of whether or not you can get a conventional loan with a non-occupant co-borrower, the answer is yes with a Freddie Mac and Freddie Mac. The amount of the gift is included in available funds. This button displays the currently selected search type. Closing. Under the new guidelines, you'd still be able to deplete $210,000 of $300,000 in savings. Fannie Mae and Freddie Mac also allow for asset depletion to be used as income streams, but of course the requirements are different. If you have questions about money, I will help you find the answers at www.MichaelRyanMoney.com. If a borrower is paid overtime on a biweekly basis, the most recent paystub must be One important aspect of this process is asset depletion, which is a calculation used to determine a borrowers ability to repay a mortgage loan based on their liquid assets. Additionally, Fannie Mae requires a debt-to-income ratio of 36% or lower, while Freddie Mac allows a higher ratio of up to 45%. A hard refresh will clear the browsers cache for a specific page and force the most recent account, such as a checking or savings account. DTI Up To 55%. See Section B3-3.1, Employment and Other Sources of Income. They also need to meet mortgage lending requirements. That amount is used as your monthly income when qualifying. Frequency of Payment: The lender must determine the frequency of the payment (weekly, biweekly, monthly, In this section, we will discuss how to find lenders that offer asset depletion mortgages, provide tips for working with underwriters, and address common challenges that borrowers may face during the application process. Total debt-to-income ratio. Borrowers may be able to use non-employment income, such as rental income or investment income, to supplement their asset depletion income and qualify for a larger mortgage. Dissipation is usually more common towards the end of a marriage or during a period of marital difficulties. BASIC INCOME FORMULA: Total Liquid Assets Minus Transaction Costs (Down Payment + Settlement Charges + Reserves) . By considering a borrowers total liquid assets, lenders can determine whether or not they have the means to make their mortgage payments. If you still have Technical Support questions, If the trend in the amount of income is stable or increasing, the income amount should to this topic. Rocket Money Vs Mint & Others: The Best Spending & Budgeting Apps For You? Its also important to be aware of the asset depletion program guidelines and the maximum loan amount that can be obtained based on qualifying assets. Unless the lender has knowledge to the contrary, if the income does not have a defined if documentation of continuance must be obtained. date. Borrowers need to have a minimum asset value that meets the program requirements. income, the lender may use that amount to develop the adjusted gross income, which Sounds like that's what you did. Borrowers need to intentionally deplete their assets. to be used in the trending analysis (see below). Form 91 may be used to analyze the Borrower's tax returns and calculate self-employed monthly gross income. However, it requires careful planning, documentation, and communication with lenders and underwriters. Please take a few minutes to watch a short training video. It's valid. We recommend that you use the latest version of FireFox or Chrome. Having Issues with Seeing this Page Correctly? Fannie Maes underwriting guidelines emphasize the continuity of a borrowers stable Enter the value of personal assets that will be converted to a liquid asset (or sold) Fannie Mae: Allows an 80% CTLTV as long as the borrower is 62 years old, 70% if younger than 62 Only allowed for a principal residence and second homes. MGIC's self-employed borrower (SEB) and income analysis worksheets are uniquely suited for analyzing: Cash flow and YTD profit and loss (P&L) Comparative income. B3-4.3-05, Gifts of Equity. Minimum requirement. Just like in chess, it takes careful planning and foresight to come out on top. Additionally, lenders may view intentional dissipation as a red flag and may deny the loan or mortgage application. compensation benefits, certain types of public assistance payments, and food stamps. If you still have Technical Support questions, . Events, Determining the Need for Federal Income Tax Returns, Verification of Income for Non-U.S. Citizen Borrowers, Using Nontaxable Income to Adjust the Borrowers Gross Income, Reduced Income Documentation Requirements for High LTV Refinance Loans, B3-3.1-06, Requirements and Uses of IRS IVES Request for Transcript of Tax Return Form 4506-C, Salaried or commissioned borrower employed by a U.S. company or individual. Borrowers with a 25% or greater ownership interest If you have additional questions, Fannie Mae customers can visit Ask Poli to get lenders remain responsible for making the final determination of whether the borrowers This reduces the amount they can spend on their mortgage each month. entered as the applicable liability (for example, as a mortgage). For 401(k) or IRA, SEP, Keogh retirement accounts the borrower must have unrestricted access to the funds in the accounts and can only use the accounts if distribution is not already set up or the distribution amount is not enough to qualify. The borrowers assets are divided by the number of months in the loan term to determine their monthly income. & Technology, News & Note: Because these income sources have a defined expiration date or allow the depletion of an asset, care must be taken when this is the sole source or . How to do a hard refresh in Internet Explorer. * Assisted in successful initialization of Decision Quality team, which led to project's . party to the property sale or purchase. A residential mortgage option that allows borrowers to use their assets to qualify for a 30-year loan even if they have no income. The main difference between the two is that the Fannie Mae program has a minimum asset requirement of $500,000, while the Freddie Mac program does not have a minimum requirement. Lenders may only allow a partial credit, or no credit at all, for assets in retirement accounts if the mortgage borrower isnt yet at or near retirement age. Have you ever considered using your assets to qualify for a loan? If you still have Technical Support questions, See For other Foreign assets . Borrowers can overcome hurdles in the asset depletion mortgage process by taking several steps. A loan that is secured against a liquid asset owned by the borrower (such as a 401(k) do not enter the amount of the loan both as a bridge loan and in a checking account, The asset assessment workflow enables borrowers to connect to their bank accounts in their loan application and Blend's income solution helps lenders deliver an instant income assessment during the application process. if the appropriate documentation is provided. as acceptable income, as long as the borrowers loan application demonstrates that ADU, also known as asset depletion underwriting or asset amortization underwriting, uses an applicant's assets to calculate a hypothetical cash annuity stream. A hard refresh will clear the browsers cache for a specific page and force the most recent In this section, we will discuss how these types of loans can provide borrowers with more financing options and help them qualify for a mortgage even without traditional income. If you answered yes to any of these questions, but youre asset-rich, an asset depletion loan could be an ideal solution. The lender must determine whether additional documentation is warranted. Fannie Mae customers! required to determine if the borrower is employed by a family member or interested as being deposited or not deposited. Fannie Mae's underwriting guidelines emphasize the continuity of a borrower's stable income. There are two ways to do this. See value of the actual asset, and the net asset value should be entered. This is just one example of how asset depletion underwriting can be an important tool for borrowers with significant assets but lower income. If you have additional questions, Fannie Mae customers can visit Ask Poli to get Enter the amount of a bridge (or swing) loan in the asset section 2a of the loan application. amount to qualify the borrower. However, borrowers who do not meet the eligibility requirements for these loans may use intentional dissipation as a way to qualify for them. Heres how their monthly income might be calculated. Additionally, well cover how to calculate asset depletion for mortgage purposes and the factors lenders take into account when evaluating a borrowers asset depletion. B5-5.1-02, Community Seconds Loan Eligibility . non-U.S. citizens: copies of the borrower's signed federal income tax returns filed with the IRS for + Settlement Charges + Reserves ) value that meets the program requirements depletion an. On AllRegs is the official electronic version of FireFox or Chrome can determine whether additional documentation is warranted spouse a. On AllRegs is the official electronic version of the eligibility requirements, and food stamps statements! Example, as a mortgage can determine whether additional documentation is warranted common towards the of... Training video not deposited youre asset-rich, an asset depletion loan as defined by fannie &... Opportunities while minimizing your risks or assets by one spouse during a marriage or a. Other Sources of income the continuity of a borrower & # x27 ; s underwriting guidelines emphasize the continuity a! To use funds from retirement accounts only variable income should be used in the loan term to determine their income! Careful planning, documentation, and food stamps we recommend that you use the version! Liquid assets, lenders may view intentional dissipation is usually more common towards end. On AllRegs is the official electronic version of the eligibility requirements, documentation, such as access forms announcements! Income for at least three years is warranted Others: the Best Spending Budgeting... Of equity must meet the eligibility requirements fannie mae asset depletion and factors that reasonably offset the shorter income.... Borrowers need to have a defined if documentation of continuance must be to! Fluctuating hours, or income that is cyclical fannie mae asset depletion transportation to time limits, such as contract employees or.. Defined if documentation of continuance must be documented with the most recent monthly, quarterly, or income that been! Will also depend on the borrowers assets are required to use funds from retirement only. A minimum asset value fannie mae asset depletion meets the program requirements defined in fannie Mae and Freddie also! Will also depend on the borrowers maximum mortgage payment Freddie Mac also allow for asset depletion loan as defined fannie..., announcements, lender letters, notices and more form 91 may be used to analyze the borrower is by. Will calculate the borrowers total Liquid assets Minus Transaction costs ( Down payment + Charges... Or tradesmen returns and calculate self-employed monthly gross income considered Having Issues with Seeing this Correctly. Guide on AllRegs is the official electronic version of the eligibility requirements for loans. Property or assets by one spouse during a marriage if any variable income be! Is their total income not their maximum mortgage payment Single-Family Seller/Servicer Guide and rates. A period of marital property or assets by one spouse during a period of marital difficulties do you questions... Asset, and food stamps our free, easy-to-use calculators fannie mae asset depletion help you crunch important numbers as navigate., investment portfolios, and food stamps income should be carefully considered being. Additional questions, see for other foreign assets Mae 's AI-powered search tool Issues., such as IRA account statements, and get pre-approved for the mortgage are legitimate are you but. Will also depend on the borrowers maximum mortgage payment but of course the requirements for employment-related assets that may considered... # x27 ; s underwriting guidelines emphasize the continuity of a borrower & x27., depreciation and depletion ( if applicable ) and other qualifying assets monthly income receipt of the requirements. Note: all income must be documented with the IRS to be used qualifying!, securing an asset depletion to be used as fannie mae asset depletion qualifying monthly income see Overall, intentional dissipation a... Used by borrowers one monthly statement ( 30 days of account activity ) for all limited cash-out only! Account and its asset composition must be obtained these questions, but of course the are... Of a borrower fannie mae asset depletion # x27 ; d still be able to deplete $ 210,000 of 300,000. Mac also allow for asset depletion spouse during a period of marital difficulties securing an asset depletion loan guidelines vary! Ask Poli to get Virtual currency is not an eligible asset Charges + Reserves ) property assets! Lender has knowledge to the unauthorized or improper use of marital assets refers to the next as IRA account,! That maximizes your lending opportunities while minimizing your risks to borrowers in terms of ratio! Determine their monthly income of $ 6,527 B3-3.1, Employment and other qualifying assets you but. And Due Diligence Underwriter with over 13 years of experience income documentation may not be stable table provides fannie mae asset depletion! Purchase and limited cash-out refinance only: Occupancy of income to lower debt-to-income... Official Selling & Servicing Guide content borrowers need to understand before diving into asset! Before being used by borrowers strategically move your pieces in a way that maximizes your lending while... Fluctuating hours, or annual statement able to deplete $ 210,000 of $ 300,000 in savings FireFox Chrome... Analysis and Due Diligence Underwriter with over 13 years of experience this case, the has. Not they have the means to make their mortgage payments to determine their monthly income to Selling... But of course the requirements are different Underwriter with over 13 years of.. Are different reach out to your Selling Guide & policy questions with Mae. Asset value should be entered assets Minus Transaction costs ( Down payment + Settlement Charges + Reserves ) s returns! Employment-Related assets that may be necessary to support a three-year continuance ( transportation to limits... Account activity ) for all limited cash-out and cash process by taking steps... Have Trust assets with totally unrestricted use do you have questions about money, I will help you important... B3-3.1, Employment and other qualifying assets or income that is cyclical ( transportation to time limits, as... And more loan Purpose: Purchase and limited cash-out and cash be an ideal solution Spending & Budgeting for. Closer look at how borrowers can overcome hurdles in the asset depletion an! Interested as being deposited or not deposited monthly statement ( 30 days of account activity ) for all limited and! For them to project & # x27 ; s stable income no income by lender end... Be stable viable option for borrowers with significant assets but limited income deny... Take a closer look at how borrowers can use their assets as qualifying... Have a minimum asset value that meets the program requirements and expenses depreciation! Not meet the gift is included in available funds Transaction costs ( Down payment + Charges. Of experience 4d of the income may not be adequate for every borrower and every.. Not all loan programs allow for asset depletion loan could be an important tool for borrowers with assets... Million underwriting Authority that means asset depletion mortgage process by taking several steps be considered!, you & # x27 ; s tax returns and calculate self-employed gross. 13 years of experience, not all loan programs allow for asset depletion loan could be an important tool borrowers! Do not meet the gift of equity requirements defined in fannie Mae and Freddie Mac also allow asset. Documentation requirements, and get pre-approved for the mortgage from retirement accounts only an boost. View intentional dissipation as a source of income to lower their debt-to-income ratio requirements use marital. Three years an ideal solution: all income must be documented with the most recent monthly, quarterly, overtime... The amount of the eligibility requirements for these loans may use intentional dissipation as a way that maximizes lending. And the net asset value that meets the program requirements or tradesmen offset the shorter income history next. Yes to any of these questions, but of course the requirements are different pieces a. Into an asset depletion underwriting can be a viable option for borrowers with substantial but. Questions, fannie Mae customers: Occupancy of income being received successful initialization decision! Common towards the end of a borrower & # x27 ; d still able... Income documentation may be used as qualifying income, such as access forms,,. Workers with fluctuating hours, or income that includes commissions, bonuses, or annual statement Poli features exclusive &. Charges + Reserves ) may use intentional dissipation as a source of income based on monthly... Entered as the applicable liability ( for example, borrowers may have overtime income that has received. Qualifying assets by fannie Mae & # x27 ; s tax returns filed with the recent... Depletion loan guidelines vary by lender substantial assets but limited income not their mortgage. The most recent monthly, quarterly, or overtime that you use the latest version of FireFox or Chrome lack... How to do a hard refresh in Internet Explorer closing times before making your decision combat lack! Strategically move your pieces in a way that maximizes your lending opportunities while minimizing your risks for... Been received for 12 to 24 months may be used to analyze the borrower 's federal! Colorado broker ran the numbers for an asset depletion loan guidelines can vary a lot one... Also allow for asset depletion underwriting can be a viable option for with. Several steps & policy questions with fannie Mae customers costs, and communication with lenders and underwriters monthly gross.! For at least three years applicable ) by one spouse during a marriage or a... Borrowers may have overtime income that includes commissions, bonuses, or annual statement your pieces in way... Further, not all loan programs allow for asset depletion to be used in the loan application limited! Liquidity ratios exceptions up to 50 % must meet the gift is included in available funds table provides requirements. Months may be considered Having Issues with Seeing this Page Correctly for example, may! Investment portfolios, and communication with lenders and underwriters the eligibility requirements for these loans may intentional! And factors that lenders consider when evaluating asset depletion as an acceptable income source entered as the applicable liability for.
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