&NewLine;<p>A &&num;8220&semi;<strong>List of Fraud and Scams<&sol;strong>&&num;8221&semi; is a collection of information about different types of fraud and scams&period; This information can be used to educate people about these scams and help them to protect themselves&period; Some of the most common types of fraud and scams include phishing&comma; romance scams&comma; advance-fee scams&comma; fake check scams&comma; and parcel fraud&period;<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>Fraud and scams are on the rise&comma; and it is more important than ever to be aware of them so that you can protect yourself&period; There are many different types of fraud and scams&comma; so it is important to be vigilant and to educate yourself about the different ways that scammers operate&period;<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<h2 class&equals;"wp-block-heading">Here are some of the resources that can be included in a &&num;8220&semi;List of Fraud and Scams&&num;8221&semi;&colon;<&sol;h2>&NewLine;&NewLine;&NewLine;&NewLine;<ul class&equals;"wp-block-list">&NewLine;<li><strong>Definition of fraud and scams<&sol;strong><&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>Types of fraud and scams<&sol;strong><&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>Symptoms of fraud and scams<&sol;strong><&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>How to protect yourself from fraud and scams<&sol;strong><&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>Reporting fraud and scams<&sol;strong><&sol;li>&NewLine;<&sol;ul>&NewLine;&NewLine;&NewLine;&NewLine;<h2 class&equals;"wp-block-heading">A &&num;8220&semi;List of Fraud and Scams&&num;8221&semi; can be used by&colon;<&sol;h2>&NewLine;&NewLine;&NewLine;&NewLine;<ul class&equals;"wp-block-list">&NewLine;<li><strong>Consumers<&sol;strong>&nbsp&semi;to learn about fraud and scams and how to protect themselves<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>Businesses<&sol;strong>&nbsp&semi;to educate their employees about fraud and scams<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>Government agencies<&sol;strong>&nbsp&semi;to monitor fraud and scams and take action against scammers<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>Non-profit organizations<&sol;strong>&nbsp&semi;to provide resources and support to victims of fraud and scams<&sol;li>&NewLine;<&sol;ul>&NewLine;&NewLine;&NewLine;&NewLine;<h2 class&equals;"wp-block-heading">Here are some of the benefits of using a &&num;8220&semi;List of Fraud and Scams&&num;8221&semi;&colon;<&sol;h2>&NewLine;&NewLine;&NewLine;&NewLine;<ul class&equals;"wp-block-list">&NewLine;<li><strong>Increased awareness of fraud and scams<&sol;strong><&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>Improved ability to protect yourself from fraud and scams<&sol;strong><&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>Reduced number of victims of fraud and scams<&sol;strong><&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>Increased accountability of scammers<&sol;strong><&sol;li>&NewLine;<&sol;ul>&NewLine;&NewLine;&NewLine;&NewLine;<h2 class&equals;"wp-block-heading">Definition of fraud and scams<&sol;h2>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>Fraud and scams<&sol;strong> are two terms that are often used interchangeably&comma; but they have distinct meanings&period;<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>Fraud<&sol;strong> is a broad term that encompasses any deception or trickery used to gain an unfair advantage or cause harm to another person&period; It can involve stealing personal information&comma; committing <a class&equals;"wpil&lowbar;keyword&lowbar;link" href&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;tag&sol;financial-fraud&sol;" title&equals;"financial" data-wpil-keyword-link&equals;"linked" data-wpil-monitor-id&equals;"422">financial<&sol;a> crimes&comma; or manipulating people into making decisions that are not in their best interests&period;<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>Scams<&sol;strong> are a form of fraud that is specifically designed to deceive people into voluntarily giving up their money or personal information&period; They often involve false promises&comma; high-pressure tactics&comma; or emotional appeals&period;<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>Here is a table that summarizes the key differences between fraud and scams&colon;<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-table"><table><tbody><tr><th>Feature<&sol;th><th>Fraud<&sol;th><th>Scam<&sol;th><&sol;tr><tr><td><strong>Definition<&sol;strong><&sol;td><td>Deception or trickery used to gain an unfair advantage or cause harm<&sol;td><td>Fraudulent scheme that deceives people into voluntarily giving up their money or personal information<&sol;td><&sol;tr><tr><td><strong>Intent<&sol;strong><&sol;td><td>To deceive or trick someone into doing something they would not otherwise do<&sol;td><td>To obtain money&comma; personal information&comma; or other assets from the victim<&sol;td><&sol;tr><tr><td><strong>Modus Operandi<&sol;strong><&sol;td><td>Can involve a variety of methods&comma; such as identity theft&comma; phishing&comma; or impersonation<&sol;td><td>Often uses false promises&comma; high-pressure tactics&comma; or emotional appeals to persuade victims to act quickly<&sol;td><&sol;tr><tr><td><strong>Examples<&sol;strong><&sol;td><td>Unauthorised use of credit cards&comma; bank account takeovers&comma; identity theft<&sol;td><td><a href&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;tag&sol;phishing&sol;" data-type&equals;"link" data-id&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;tag&sol;phishing&sol;">Phishing<&sol;a> emails&comma; <a href&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;tag&sol;investment-fraud&sol;" data-type&equals;"link" data-id&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;tag&sol;investment-fraud&sol;">fake investment opportunities<&sol;a>&comma; <a href&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;category&sol;scammer&sol;romance-scammer&sol;" data-type&equals;"link" data-id&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;category&sol;scammer&sol;romance-scammer&sol;">romance scams<&sol;a><&sol;td><&sol;tr><&sol;tbody><&sol;table><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<h2 class&equals;"wp-block-heading">List of the Most Common Fraud And Scams&colon;<&sol;h2>&NewLine;&NewLine;&NewLine;&NewLine;<h3 class&equals;"wp-block-heading">Financial Fraud<&sol;h3>&NewLine;&NewLine;&NewLine;&NewLine;<ul class&equals;"wp-block-list">&NewLine;<li><strong><a href&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;category&sol;credit-card&sol;" data-type&equals;"link" data-id&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;category&sol;credit-card&sol;">Credit card fraud<&sol;a>&colon;<&sol;strong> Unauthorized use of credit cards to make purchases or obtain cash&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong><a href&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;tag&sol;identity-theft&sol;" data-type&equals;"link" data-id&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;tag&sol;identity-theft&sol;">Identity theft<&sol;a>&colon;<&sol;strong> Theft of personal information&comma; such as Social Security numbers&comma; to commit fraud or open new accounts&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong><a href&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;tag&sol;bank-fraud&sol;" data-type&equals;"link" data-id&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;tag&sol;bank-fraud&sol;">Bank fraud<&sol;a>&colon;<&sol;strong> Manipulation of bank accounts to obtain unauthorized funds or financial information&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong><a href&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;tag&sol;investment-fraud&sol;" data-type&equals;"link" data-id&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;tag&sol;investment-fraud&sol;">Investment fraud<&sol;a>&colon;<&sol;strong> Deceptive practices to entice individuals to invest in fraudulent schemes&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong><a href&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;tag&sol;tax-fraud&sol;" data-type&equals;"link" data-id&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;tag&sol;tax-fraud&sol;">Tax fraud<&sol;a>&colon;<&sol;strong> Intentional misrepresentation of income or other tax-related information to evade taxes&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong><a href&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;tag&sol;health&sol;" data-type&equals;"link" data-id&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;tag&sol;health&sol;">Healthcare fraud<&sol;a>&colon;<&sol;strong> Billing for services not rendered&comma; falsifying medical records&comma; or using stolen insurance information&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong><a href&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;tag&sol;unemployment-fraud&sol;" data-type&equals;"link" data-id&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;tag&sol;unemployment-fraud&sol;">Unemployment fraud<&sol;a>&colon;<&sol;strong> Filing fraudulent claims for unemployment benefits&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong><a href&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;tag&sol;wire-fraud&sol;" data-type&equals;"link" data-id&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;tag&sol;wire-fraud&sol;">Wire fraud<&sol;a>&colon;<&sol;strong> Using electronic communications to transfer funds fraudulently&period;<&sol;li>&NewLine;<&sol;ul>&NewLine;&NewLine;&NewLine;&NewLine;<h3 class&equals;"wp-block-heading">Cyber Fraud<&sol;h3>&NewLine;&NewLine;&NewLine;&NewLine;<ul class&equals;"wp-block-list">&NewLine;<li><strong><a href&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;tag&sol;phishing&sol;" data-type&equals;"link" data-id&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;tag&sol;phishing&sol;">Phishing scams<&sol;a>&colon;<&sol;strong> Attempts to trick individuals into revealing personal information or clicking on malicious links&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong><a href&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;tag&sol;malware&sol;" data-type&equals;"link" data-id&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;tag&sol;malware&sol;">Malware attacks<&sol;a>&colon;<&sol;strong> Malicious software designed to steal data&comma; disrupt operations&comma; or extort money&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong><a href&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;internet-scams-an-outline-internet-scams-to-stay-away-2023&sol;" data-type&equals;"link" data-id&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;internet-scams-an-outline-internet-scams-to-stay-away-2023&sol;">Online scams<&sol;a>&colon;<&sol;strong> Deceptive schemes conducted through online platforms to obtain money or personal information&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong><a href&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;tag&sol;business-identity-theft&sol;" data-type&equals;"link" data-id&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;tag&sol;business-identity-theft&sol;">Identity theft scams<&sol;a>&colon;<&sol;strong> Attempts to steal online identities to commit fraud or access sensitive information&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong><a href&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;category&sol;romance-scammer&sol;" data-type&equals;"link" data-id&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;category&sol;romance-scammer&sol;">Romance scams<&sol;a>&colon;<&sol;strong> Online relationships that exploit emotions to deceive victims into sending money or providing personal information&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong><a href&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;tag&sol;tech-support-scams&sol;" data-type&equals;"link" data-id&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;tag&sol;tech-support-scams&sol;">Tech support scams<&sol;a>&colon;<&sol;strong> Phony tech support calls pretending to offer assistance with computer issues to scam users&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong><a href&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;tag&sol;social-engineering&sol;" data-type&equals;"link" data-id&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;tag&sol;social-engineering&sol;">Social engineering attacks<&sol;a>&colon;<&sol;strong> Manipulation of individuals to gain access to sensitive information or systems&period;<&sol;li>&NewLine;<&sol;ul>&NewLine;&NewLine;&NewLine;&NewLine;<h3 class&equals;"wp-block-heading">Employment Fraud<&sol;h3>&NewLine;&NewLine;&NewLine;&NewLine;<ul class&equals;"wp-block-list">&NewLine;<li><strong><a href&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;overpayment-scams-what-it-is-types-prevention-and-reporting&sol;" data-type&equals;"link" data-id&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;overpayment-scams-what-it-is-types-prevention-and-reporting&sol;">Overpayment scams<&sol;a>&colon;<&sol;strong> False promises of high-paying jobs or employment opportunities to obtain payment or personal information&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong><a href&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;tag&sol;immigration-fraud&sol;" data-type&equals;"link" data-id&equals;"https&colon;&sol;&sol;www&period;fraudswatch&period;com&sol;tag&sol;immigration-fraud&sol;">Immigration fraud<&sol;a>&colon;<&sol;strong> Deceptive practices to obtain visas or other immigration benefits&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>Wage theft&colon;<&sol;strong> Failure to pay employees for their work or withholding wages illegally&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>Discrimination&colon;<&sol;strong> Unfair hiring practices or workplace discrimination based on race&comma; gender&comma; or other protected characteristics&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>Harassment&colon;<&sol;strong> Unwelcome or offensive behavior that creates a hostile work environment&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>Unemployment fraud&colon;<&sol;strong> Filing fraudulent claims for unemployment benefits&period;<&sol;li>&NewLine;<&sol;ul>&NewLine;&NewLine;&NewLine;&NewLine;<h3 class&equals;"wp-block-heading">Consumer Fraud<&sol;h3>&NewLine;&NewLine;&NewLine;&NewLine;<ul class&equals;"wp-block-list">&NewLine;<li><strong>False advertising&colon;<&sol;strong> Misrepresentation of products or services to deceive consumers&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>Deceptive pricing&colon;<&sol;strong> Misleading or inflated pricing practices&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>Unfair business practices&colon;<&sol;strong> Unethical or deceptive practices that harm consumers&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>Product tampering&colon;<&sol;strong> Deliberate alteration of products to cause harm or financial loss&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>Return fraud&colon;<&sol;strong> Returning stolen or counterfeit merchandise for refunds&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>Gift card scams&colon;<&sol;strong> Unauthorized use of gift cards or deceptive gift card promotions&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>Pricing scams&colon;<&sol;strong> Artificially inflating prices and offering fake discounts to lure consumers&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>Extortion&colon;<&sol;strong> Threats or coercion to obtain money or property&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>Sweepstakes scams&colon;<&sol;strong> False promises of winning large sums of money in online or mail-in sweepstakes&period;<&sol;li>&NewLine;<&sol;ul>&NewLine;&NewLine;&NewLine;&NewLine;<h3 class&equals;"wp-block-heading">Healthcare Fraud<&sol;h3>&NewLine;&NewLine;&NewLine;&NewLine;<ul class&equals;"wp-block-list">&NewLine;<li><strong>Billing fraud&colon;<&sol;strong> Overcharging for services&comma; billing for services not rendered&comma; or submitting false claims&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>Drug fraud&colon;<&sol;strong> Illegal dispensing of prescription drugs or using stolen prescription information&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>Medical equipment fraud&colon;<&sol;strong> Misrepresenting the need for medical equipment or billing for unnecessary supplies&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>Fraudulent referrals&colon;<&sol;strong> Receiving kickbacks or payments for referring patients to specific healthcare providers&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>False insurance claims&colon;<&sol;strong> Submitting fraudulent insurance claims for services not provided or overcharging for services&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>Medical identity theft&colon;<&sol;strong> Using someone else&&num;8217&semi;s medical information to obtain healthcare services or payment&period;<&sol;li>&NewLine;<&sol;ul>&NewLine;&NewLine;&NewLine;&NewLine;<h3 class&equals;"wp-block-heading">Environmental Fraud<&sol;h3>&NewLine;&NewLine;&NewLine;&NewLine;<ul class&equals;"wp-block-list">&NewLine;<li><strong>Pollution violations&colon;<&sol;strong> Illegal dumping of hazardous waste&comma; air or water pollution&comma; or non-compliance with environmental regulations&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>False reporting&colon;<&sol;strong> Falsifying environmental data or reports to cover up violations or obtain permits&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>Resource theft&colon;<&sol;strong> Illegal extraction of natural resources&comma; such as timber&comma; minerals&comma; or water&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>Environmental crimes&colon;<&sol;strong> Intentional destruction of wildlife or ecosystems&comma; such as poaching or illegal logging&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>Greenwashing&colon;<&sol;strong> False or misleading claims about environmental practices to deceive consumers or investors&period;<&sol;li>&NewLine;<&sol;ul>&NewLine;&NewLine;&NewLine;&NewLine;<h3 class&equals;"wp-block-heading">Intellectual Property Fraud<&sol;h3>&NewLine;&NewLine;&NewLine;&NewLine;<ul class&equals;"wp-block-list">&NewLine;<li><strong>Copyright infringement<&sol;strong>&colon; Copying and distributing copyrighted material without permission&comma; such as music&comma; software&comma; or books&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>Trademark infringement<&sol;strong>&colon; Using a trademark that is similar to or identical to another company&&num;8217&semi;s trademark to deceive consumers&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>Patent infringement<&sol;strong>&colon; Making&comma; using&comma; or selling an invention that is covered by a patent without the permission of the patent holder&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>Trade secret theft<&sol;strong>&colon; Stealing or using confidential information that is not publicly known&comma; such as trade secrets&comma; customer lists&comma; or business plans&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>Counterfeiting<&sol;strong>&colon; Manufacturing and selling products that are imitations of genuine goods&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>Product piracy<&sol;strong>&colon; Illegally copying and distributing software&comma; music&comma; movies&comma; or other copyrighted material&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>Design piracy<&sol;strong>&colon; Unauthorized use of copyrighted or trademarked designs&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>Cyberpiracy<&sol;strong>&colon; Unauthorized use of copyrighted or trademarked material on the internet&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>Copyright fraud<&sol;strong>&colon; Falsely claiming copyright ownership of a work that does not belong to the claimant&period;<&sol;li>&NewLine;&NewLine;&NewLine;&NewLine;<li><strong>Patent fraud<&sol;strong>&colon; Submitting a false patent application to the Patent Office<&sol;li>&NewLine;<&sol;ul>&NewLine;&NewLine;&NewLine;&NewLine;<p><&sol;p>&NewLine;

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