Nonprofit · EIN 04-3478123
ROOT CAPITAL INC
Tax-exempt · CAMBRIDGE, MA 02142
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $21,986,520 | $25,658,085 | -$3,671,565 | $115,948,053 | $63,916,389 | $52,031,664 |
| December 31, 2024 | 990 | $23,802,639 | $37,085,768 | -$13,283,129 | $117,862,030 | $62,281,270 | $55,580,760 |
| December 31, 2023 | 990 | $29,107,606 | $32,505,312 | -$3,397,706 | $120,379,681 | $51,179,578 | $69,200,103 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $10,660,385
- of which government grants
- $840,268
- Program service revenue
- $9,365,931
- Investment income
- $1,960,204
- Net gain from sales of assets
- -$1,621
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $360,960
- Compensation of officers, directors and key employees
- $1,792,492
- Other salaries and wages
- $9,981,760
- Salaries, compensation and benefits (total)
- $14,834,268
- Professional fundraising fees
- $0
- Legal fees
- $267,842
- Accounting fees
- $178,800
- Occupancy
- $462,061
- Travel
- $723,716
- Depreciation
- $20,020
- Program services (functional)
- $19,231,517
- Management and general (functional)
- $5,927,044
- Fundraising (functional)
- $499,524
Balance sheet and other
- Total assets, start of year
- $117,862,030
- Total assets, end of year
- $115,948,053
- Total liabilities, end of year
- $63,916,389
- Net assets, end of year
- $52,031,664
- Land, buildings and equipment
- $16,443
- Publicly traded securities
- $13,585,368
- Net assets without donor restrictions
- $41,232,831
- Net assets with donor restrictions
- $10,798,833
- Gross receipts
- $21,988,141
- Employees
- 72
- Volunteers
- 17
- Year formed
- 1999
- State of legal domicile
- MA
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| WILLIAM FOOTE | FOUNDER & CEO Officer | 40 | $341,977 | $33,127 |
| JEAN FORRESTER | CONTROLLER/VP INVESTOR RELATION/TREASURER Officer | 40 | $222,850 | $41,376 |
| ALICE BURKE | GENERAL COUNSEL Officer | 40 | $218,128 | $35,893 |
| ALEXANDRA TUINSTRA | CHIEF PROGRAMS OFFICER Key employee | 40 | $226,351 | $11,318 |
| SOLEDAD VILLARRUEL | CHIEF HUMAN RESOURCES OFFICER Highest-paid employee | 40 | $203,120 | $32,042 |
| BENJAMIN WITKOP | VP, HEAD OF INVESTMENT & CREDIT RISK Highest-paid employee | 40 | $184,279 | $48,410 |
| GIAN FABBRI | CFO Officer | 40 | $185,645 | $38,468 |
| EMILY NICHOLS | SENIOR DIRECTOR OF IPP Highest-paid employee | 40 | $175,430 | $39,244 |
| MARLI PORTH | CHIEF OF STAFF/CLERK Officer | 40 | $151,273 | $30,515 |
| BRYAN WOLINER | CFO (THRU 3/31/25) Officer | 40 | $167,156 | $10,912 |
| SARAH FORCINO | SR. DIRECTOR, CREDIT ADMINISTRATION Highest-paid employee | 40 | $146,502 | $28,732 |
| DANIEL RIVERA | HEAD OF LENDING IN LATIN AMERICA Highest-paid employee | 40 | $166,059 | $1,919 |
| SCOTT AMERO | CO-CHAIR Trustee or director | 1 | $0 | $0 |
| SOPHIE ROMANA | CO-CHAIR Trustee or director | 1 | $0 | $0 |
| ANA ZACAPA | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
14 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| LINDSAY BOLGER | BOARD MEMBER (THRU 9/15/25) Trustee or director | 1 | $0 |
| MARISSA WESELY | BOARD MEMBER Trustee or director | 1 | $0 |
| MARIO FERNANDEZ | BOARD MEMBER Trustee or director | 1 | $0 |
| SALAH GOSS | BOARD MEMBER Trustee or director | 1 | $0 |
| MACANI TOUNGARA | BOARD MEMBER Trustee or director | 1 | $0 |
| HANS MUZOORA | BOARD MEMBER Trustee or director | 1 | $0 |
| FLEUR BOOS | BOARD MEMBER Trustee or director | 1 | $0 |
| PHILIP BROWN | BOARD MEMBER (THRU 3/30/25) Trustee or director | 1 | $0 |
| JEHIEL OLIVER | BOARD MEMBER Trustee or director | 1 | $0 |
| JAMES RICHARDSON | BOARD MEMBER Trustee or director | 1 | $0 |
| MARIA TERESA VILLANUEVA | BOARD MEMBER Trustee or director | 1 | $0 |
| EDUARDO BRICENO | BOARD MEMBER Trustee or director | 1 | $0 |
| DANA FRANCOIS | BOARD MEMBER Trustee or director | 1 | $0 |
| PHYLLIS JOHNSON | BOARD MEMBER Trustee or director | 1 | $0 |
990 for the year ended December 31, 2024: 29 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| WILLIAM FOOTE | CEO & FOUNDER Officer | 40 | $386,365 | $20,992 |
| FRANCES REID | COO & PRESIDENT (THRU JULY 2024) Officer | 40 | $348,428 | $13,819 |
| SCOTT MCDONALD THRU DEC 2024 | CHIEF EXTERNAL AFFAIRS OFFICER Key employee | 40 | $298,759 | $23,399 |
| BRYAN WOLINER | CFO & TREASURER Officer | 40 | $264,383 | $35,244 |
| DARCY SALINGER | CHIEF CREDIT OFFICER (THRU DEC 2024) Highest-paid employee | 40 | $261,698 | $36,246 |
| JEAN FORRESTER | CONTROLLER & VP INVESTOR RELATIONS Highest-paid employee | 40 | $229,752 | $34,067 |
| SOLEDAD VILLARRUEL | CHIEF HUMAN RESOURCES OFFICER Highest-paid employee | 40 | $208,801 | $30,668 |
| ALICE BURKE | GENERAL COUNSEL Officer | 40 | $226,179 | $11,324 |
| ALEXANDRA TUINSTRA | CHIEF STRATEGY OFFICER Key employee | 40 | $232,588 | $0 |
| ROBBIE WITKOP | LENDING ANALYST Highest-paid employee | 40 | $182,588 | $32,361 |
| MAUREEN MCGREGOR THRU DEC 2024 | SR. DIR., MARKETING/COMMUNICATIONS Highest-paid employee | 40 | $174,127 | $31,569 |
| MARLI PORTH | CHIEF OF STAFF/CLERK Officer | 40 | $148,396 | $29,400 |
| ANA ZACAPA | CHAIR Trustee or director | 1 | $0 | $0 |
| MARY BARTON DOCK | BOARD MEMBER (THRU MAY 2024) Trustee or director | 1 | $0 | $0 |
| LINDSAY BOLGER | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| MARISSA WESELY | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| MARIO FERNANDEZ | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| SALAH GOSS | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| SOPHIE ROMANA | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| MACANI TOUNGARA | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| SCOTT AMERO | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| HANS MUZOORA | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| FLEUR BOOS | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| PHILIP BROWN | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| JEHIEL OLIVER | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| JAMES RICHARDSON | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| MARIA TERESA VILLANUEVA | BOARD MEMBER (SINCE MARCH 2024) Trustee or director | 1 | $0 | $0 |
| EDUARDO BRICENO | BOARD MEMBER (SINCE SEPT 2024) Trustee or director | 1 | $0 | $0 |
| DANA FRANCOIS | BOARD MEMBER (SINCE SEPT 2024) Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 28 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| WILLIAM FOOTE | CEO & FOUNDER Officer | 40 | $404,242 | $14,421 |
| FRANCES REID | COO & PRESIDENT Officer | 40 | $311,546 | $20,686 |
| SCOTT MCDONALD | CHIEF EXTERNAL AFFAIRS OFFICER Key employee | 40 | $294,676 | $19,879 |
| BRYAN WOLINER | CFO & TREASURER Officer | 40 | $267,964 | $30,362 |
| DARCY SALINGER | CHIEF CREDIT OFFICER Highest-paid employee | 40 | $259,857 | $17,937 |
| JEAN FORRESTER | CONTROLLER & VP INVESTOR RELATIONS Highest-paid employee | 40 | $221,585 | $29,260 |
| ALEXANDRA TUINSTRA | CHIEF STRATEGY OFFICER Key employee | 40 | $209,027 | $11,793 |
| ANGELA PROSEK | SR. DIR., INST. PHILATHROPY/PARTNERS Highest-paid employee | 40 | $179,590 | $29,940 |
| MAUREEN MCGREGOR | SR. DIR., MARKETING/COMMUNICATIONS Highest-paid employee | 40 | $174,488 | $23,783 |
| BENJAMIN WITKOP | SR. DIR., GLOBAL LENDING/INNOVATION Highest-paid employee | 40 | $173,798 | $23,470 |
| MARLI PORTH | CHIEF OF STAFF/CLERK Officer | 40 | $144,663 | $25,777 |
| ANA ZACAPA | CHAIR Trustee or director | 1 | $0 | $0 |
| GRANT GUND | BOARD MEMBER (THROUGH MAY 2023) Trustee or director | 1 | $0 | $0 |
| JAN-MAARTEN MULDER | BOARD MEMBER (THROUGH MAY 2023) Trustee or director | 1 | $0 | $0 |
| MARY BARTON DOCK | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| LINDSAY BOLGER | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| MARISSA WESELY | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| KEN BARTELS | BOARD MEMBER (THROUGH 12/30/23) Trustee or director | 1 | $0 | $0 |
| MARIO FERNANDEZ | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| SALAH GOSS | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| MACANI TOUNGARA | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| SOPHIE ROMANA | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| SCOTT AMERO | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| HANS MUZOORA | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| FLEUR BOOS | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| PHILIP BROWN | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| JEHIEL OLIVER | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| JAMES RICHARDSON | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 245 MAIN STREET 2ND FLOOR, CAMBRIDGE, MA 02142-1064
- In care of
- % BRYAN WOLINER
- Principal officer (990 for 2025)
- WILLIAM F FOOTE, 245 MAIN STREET 2ND FLOOR, CAMBRIDGE, MA 02142
- Signed the 990
- GIAN FABBRI, CFO
- Phone
- (617) 661-5792
- Website
- WWW.ROOTCAPITAL.ORG
- Return prepared by
- CBIZ ADVISORS LLC
Mission
ROOT CAPITAL SEEKS TO INCREASE INCOMES AND STABILIZE EMPLOYMENT FOR FARMERS IN AFRICA, SOUTH-EAST ASIA, AND LATIN AMERICA. ROOT CAPITAL DOES THIS THROUGH A PROVEN CHANNEL: SUPPORT FOR AGRICULTURAL BUSINESSES THAT COLLECT AND MARKET THE CROPS OF THOUSANDS OF FARMERS. THROUGH A UNIQUE COMBINATION OF CAPITAL, TRAINING, AND ACCESS TO GLOBAL MARKETS, ROOT CAPITAL HELPS AGRICULTURAL BUSINESSES INCREASE FARMER INCOMES, EMPOWERS WOMEN, CONSERVES ECOSYSTEMS, AND CREATES OPPORTUNITIES FOR THE NEXT GENERATION.
Program accomplishments
- ROOT CAPITAL PROVIDES AGRICULTURAL BUSINESSES WITH A UNIQUE COMBINATION OF CREDIT AND CAPACITY BUILDING. THE ORGANIZATION ALSO CATALYZES CHANGE IN THE BROADER SECTOR THROUGH EVALUATION AND SHARED LEARNING. PLEASE REFER TO THE ORGANIZATION'S WEBSITE FOR FURTHER INFORMATION AND STATISTICS ON PROGRAM ACCOMPLISHMENTS.FINANCE: ROOT CAPITAL TYPICALLY PROVIDES LOANS AND LINES OF CREDIT RANGING FROM $50,000 TO $4 MILLION TO SMALL AND GROWING BUSINESSES, THAT SOURCE FROM SMALL-HOLDER FARMERS, WITH A FOCUSES ON THOSE BUSINESSES NOT REACHED BY COMMERCIAL LENDERS.MOST ROOT CAPITAL LOANS CAN BE CATEGORIZED AS FOLLOWS:1) LINES OF CREDIT, WITH TENORS OF ONE TO THREE YEARS AND ARE USED FOR WORKING CAPITAL TO FINANCE THE COST OF PURCHASING AND PROCESSING RAW MATERIAL SOURCED FROM SMALLHOLDER FARMERS.2) TERM LOANS, GRANTED FROM TIME TO TIME, WITH MAXIMUM TENORS OF SEVEN YEARS ARE PROVIDED IN CONNECTION WITH THE WORKING CAPITAL FINANCING TO FINANCE CERTAIN FIXED ASSET PURCHASES AND INVESTMENTS, INCLUDING EQUIPMENT, INFRASTRUCTURE IMPROVEMENTS, AND AGRICULTURAL INPUTS. ROOT CAPITAL ASSESSES PROSPECTIVE CLIENTS AND EVALUATES THEM ON A SERIES OF FINANCIAL, SOCIAL, AND ENVIRONMENTAL CRITERIA. SOCIAL CRITERIA INCLUDE PRICES PAID TO SUPPLIERS, EMPLOYEE WAGES, AND WORKING CONDITIONS, AND COMPANY SUPPORT FOR SOCIAL PROGRAMS SUCH AS TRAINING AND MEDICAL CARE. ENVIRONMENTAL CRITERIA INCLUDE SOIL AND WATER MANAGEMENT, THE IMPACT OF THE BUSINESS ON THE SURROUNDING COMMUNITY, AND STANDARDS FOR PRODUCT HANDLING AND PROCESSING.ROOT CAPITAL'S LENDING SUPPORTS SUSTAINABLE ENVIRONMENTAL PRACTICES THAT PROTECT RURAL ECOSYSTEMS. CROPS PROCESSED AND MARKETED BY ROOT CAPITAL CLIENTS PRIMARILY IN INDUSTRIES INCLUDING COFFEE, COCOA, AND CERTAIN TREE NUTS.Expenses $11,844,451 · revenue $9,365,931
- ADVISE: ROOT CAPITAL'S ADVISORY SERVICES PROGRAM PROVIDES TARGETED TRAINING TO CURRENT AND PROSPECTIVE CLIENTS IN TOPICS SUCH AS FINANCIAL MANAGEMENT, GOVERNANCE, AGRONOMIC CAPACITY, DIGITAL BUSINESS INTELLIGENCE, CLIMATE RESILIENCE, GENDER EQUITY, AND MORE. ROOT CAPITAL'S FINANCIAL ADVISORY SERVICES ARE DESIGNED TO PREPARE BUSINESSES WITH GROWTH POTENTIAL TO QUALIFY FOR CREDIT, TO SHEPHERD MORE PROSPECTIVE CLIENTS INTO OUR PORTFOLIO, AND TO MITIGATE THE RISK OF LENDING TO THESE BUSINESSES.ROOT CAPITAL'S ADVISORY SERVICES PROGRAM PROVIDES FINANCIAL TRAINING TO CLIENTS PRIOR TO RECEIVING A LOAN AND DURING THE LIFE OF THE LOAN AS NEEDED.THOUGH FINANCIAL MANAGEMENT TRAINING IS THE CORE OFFERING OF THE ORGANIZATION'S ADVISORY PROGRAM, ROOT CAPITAL ALSO PROVIDES COMPLEMENTARY NON-FINANCIAL ADVISORY SERVICES TO HELP BUSINESSES OVERCOME DIFFERENT CHALLENGES AND POSITION THEM FOR GREATER IMPACT.Expenses $4,946,108 · grants $360,960
- CATALYZE: ROOT CAPITAL SEEKS TO CATALYZE A THRIVING FINANCIAL MARKET TO SUPPORT HISTORICALLY UNDERSERVED RURAL SMALL AND GROWING BUSINESSES. THE PROGRAM'S STRATEGY IS TO:1. INNOVATE - CONDUCT R&D, STUDY IMPACT AT THE HOUSEHOLD AND BUSINESS LEVELS, AND LOOK FOR WAYS TO INCREASE IMPACT.2. ACCELERATE - SHARE LEARNING FROM WORK WITH LIKE-MINDED PEERS TO BUILD COMMON STANDARDS AND PRACTICES NECESSARY FOR THE INDUSTRY TO THRIVE AND SCALE.THROUGH INDUSTRY ASSOCIATIONS ROOT CAPITAL PLAYS A LEADERSHIP ROLE IN BUILDING THE ENABLING ENVIRONMENT FOR RURAL SMALL AND GROWING BUSINESS FINANCE.AS A NON-PROFIT COMMITTED TO ALLEVIATING RURAL POVERTY, ROOT CAPITAL SEEKS TO MAXIMIZE THE POSITIVE SOCIAL AND ENVIRONMENTAL IMPACT OF OUR WORK. ECONOMIC, COMMUNITY, AND ENVIRONMENTAL SUSTAINABILITY ARE ALL PART OF OUR CORE VALUES.ECONOMIC SUSTAINABILITY - ROOT CAPITAL CLIENTS LINK SMALL-SCALE FARMERS TO MARKETS THAT CAN OFFER HIGHER AND MORE STABLE PRICES THAN THEY HAVE HISTORICALLY RECEIVED. ROOT CAPITAL CLIENTS ALSO GENERATE EMPLOYMENT INCLUDING MANAGERS, ACCOUNTANTS, AGRICULTURAL EXTENSION STAFF, DRIVERS, AND WORKERS AT PROCESSING PLANTS.COMMUNITY SUSTAINABILITY - FARMER ASSOCIATIONS ENCOURAGE PARTICIPATORY DECISION-MAKING AND ARE A SOURCE OF COMMUNITY OWNERSHIP AND PRIDE, MAKING TRADITIONAL AGRICULTURAL ACTIVITIES MORE VIABLE. SOCIAL IMPACT INCLUDES STABILIZING INCOMES IN RURAL COMMUNITIES AND CREATING NEW ECONOMIC OPPORTUNITIES FOR WOMEN, INDIGENOUS PEOPLES AND OTHER MARGINALIZED GROUPS.Expenses $2,440,958
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 04-3478123
- Tax-exempt status
- 501(c)(3): Charitable, religious, educational or scientific organization
- Foundation status
- Publicly supported organization (170(b)(1)(A)(vi))
- Donations deductible (Pub 78)
- Public charity, 50% deduction limit
- Exempt since
- 2001
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- International, foreign affairs and national security (Q123)
- Assets (IRS master file)
- $115,948,053
- Income (IRS master file)
- $21,988,141
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $21,986,520 | $25,658,085 | $115,948,053 | XML |
| 990-T | December 2025 | – | – | – | IRS |
| 990 | December 2024 | $23,802,639 | $37,085,768 | $117,862,030 | XML |
| 990-T | December 2024 | – | – | – | IRS |
| 990 | December 2023 | $29,107,606 | $32,505,312 | $120,379,681 | XML |
| 990-T | December 2023 | – | – | – | IRS |
| 990 | December 2022 | $52,823,176 | $22,889,458 | $129,626,012 | IRS |
| 990-T | December 2022 | – | – | – | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990-T | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990-T | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 04-3478123).
Questions about ROOT CAPITAL INC
- What is the EIN of ROOT CAPITAL INC?
- The employer identification number (EIN) of ROOT CAPITAL INC is 04-3478123.
- Is ROOT CAPITAL INC tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 2001.
- Are donations to ROOT CAPITAL INC tax-deductible?
- Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).
- Which annual return does ROOT CAPITAL INC file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of ROOT CAPITAL INC due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did ROOT CAPITAL INC last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who is the principal officer of ROOT CAPITAL INC?
- The 990 for the year ended December 31, 2025 names WILLIAM F FOOTE.
- Who are the officers and directors of ROOT CAPITAL INC?
- The 990 for the year ended December 31, 2025 lists 29 people; 12 received compensation from the organization, the highest $341,977 (WILLIAM FOOTE, FOUNDER & CEO).
- How much revenue does ROOT CAPITAL INC have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $21,986,520, expenses of $25,658,085 and total assets of $115,948,053 at year end.
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