AMERICA ACHIEVES INC

Financials

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 August 31, 2025, highest compensation first.

Address and contacts

Address (IRS master file)

244 FIFTH AVENUE F71, NEW YORK, NY 10001-7604

In care of

% DIANE FORD

Principal officer (990 for 2024)

JONATHAN SCHNUR, 244 FIFTH AVENUE F71, NEW YORK, NY 10001

Signed the 990

JONATHAN SCHNUR, CEO

Phone

(347) 820-0934

Website

WWW.AMERICAACHIEVES.ORG

Return prepared by

SAX ADVISORS LLC

Mission

SEE SCHEDULE O

Program accomplishments

• TECH HUBS PLANNING AND INITIAL IMPLEMENTATION SUPPORTWE SUCCESSFULLY PROVIDED TECHNICAL ASSISTANCE TO REGIONAL COALITIONS APPLYING TO BECOME FEDERAL TECH HUBS AND SUPPORTED INITIAL IMPLEMENTATION OF THEIR PLANS, WITH A KEY FOCUS ON EMBEDDING CAREER PATHWAYS AND FAIR ACCESS TO ECONOMIC OPPORTUNITY. THIS FOLLOWED OUR PREVIOUS SUCCESSFUL EFFORTS TO ENCOURAGE CONGRESS TO ENACT THE INITIAL $500 MILLION FOR THIS FEDERAL TECH HUBS PROGRAM. WE SUPPORTED A TOTAL OF 13 REGIONS ACROSS PHASES I AND II OF THE TECH HUBS COMPETITION, OF WHICH SIX ULTIMATELY RECEIVED LARGE-SCALE IMPLEMENTATION GRANTS A WIN RATE OF 46%, MORE THAN 15 TIMES THE NATIONAL WIN RATE. (CONTINUED ON SCHEDULE O)TOGETHER, THE SIX HUBS WE HELPED DESIGN ACCOUNTED FOR A TOTAL OF $225 MILLION IN FEDERAL FUNDING.AMERICA ACHIEVES WORKED WITH EACH REGIONAL COALITION TO ADVISE ON OR DRAFT ITS OVERALL TECH HUBS PLAN, APPLY FOR FEDERAL FUNDING, AND DEVELOP IMPLEMENTATION PLANS. THIS INCLUDED, BUT WAS NOT LIMITED TO, CREATING AND EXPANDING EFFECTIVE CAREER PATHWAYS ALIGNED TO THE HIRING AND ECONOMIC DEVELOPMENT NEEDS OF EACH TECH HUB. THESE SIX REGIONS, ALONG WITH FIVE OTHER FINALISTS WE SUPPORTED, HAVE ECONOMIC DEVELOPMENT AND CAREER PATHWAY INITIATIVES AND PLANS SUPPORTED BY MULTI-SECTOR COALITIONS. MOST ARE ON A PATH TO ENSURE THAT LOCAL RESIDENTS ACCESS LEADING ROLES AND GOOD JOBS IN HIGH-GROWTH TECH SECTORS ACROSS THE COUNTRY FROM DRONES AND PHOTONICS TO LITHIUM BATTERIES AND PERSONALIZED MEDICINE. THESE TECH HUBS AIM TO CREATE MORE THAN 100,000 JOBS AND ALIGN TALENT PIPELINES WITH THESE OPPORTUNITIES TO EXPAND ACCESS TO PATHWAYS TO GOOD JOBS FOR LOCAL RESIDENTS.THESE REGIONS OFFER PROMISING PATHWAYS TO HIGH-VALUE CREDENTIALS, INCLUDING INDUSTRY-DESIGNED AND MORE TRADITIONAL PATHS THROUGH THE COMMUNITY COLLEGE SYSTEM, TO HELP LEARNERS SECURE WORK IN HIGH-GROWTH SECTORS. EXAMPLES INCLUDE THE TULSA HUB FOR EQUITABLE & TRUSTWORTHY AUTONOMY (THETA), WHICH IS TRANSFORMING THE TULSA, OKLAHOMA REGION INTO A GLOBALLY COMPETITIVE HUB FOR THE DEVELOPMENT, TESTING, MANUFACTURING, AND DEPLOYMENT OF CYBER-SECURE AUTONOMOUS SYSTEMS, SUCH AS DRONES. THETA BUILDS ON TULSA'S LEGACY OF AEROSPACE MANUFACTURING, SIGNIFICANT INVESTMENTS IN THE LOCAL DRONE INDUSTRY, AND NATIONALLY UNIQUE TESTING FACILITIES. IN ADDITION, THETA INCLUDES PARTNERSHIPS WITH TRIBAL NATIONS AND BLACK TECH STREET TO MEANINGFULLY ENGAGE UNDERREPRESENTED COMMUNITIES IN ADVANCED TECHNOLOGIES AND EXPAND ECONOMIC OPPORTUNITY TO THESE COMMUNITIES. TULSA HAS ADVANCED NEW PATHWAYS TO CREDENTIALS TO SUPPORT THIS TECH HUBS STRATEGY.THE WISCONSIN BIOHEALTH TECH HUB IS DRAWING ON WISCONSIN'S EXTENSIVE MANUFACTURING HISTORY AND ITS EMERGING RESEARCH STRENGTHS IN BIOTECH TO POSITION THE STATE AS A GLOBAL LEADER IN PERSONALIZED MEDICINE AN EMERGING HEALTHCARE APPROACH THAT TAILORS TESTS, TREATMENTS, AND THERAPIES INFORMED BY A PATIENT'S UNIQUE GENETIC CODE, MEDICAL RECORD, AND ENVIRONMENT. THIS COALITION INCLUDES MILWAUKEE AREA TECHNICAL COLLEGE (MATC) AND MADISON AREA TECHNICAL COLLEGE (MADISON COLLEGE), WHICH ARE EXPANDING AND LAUNCHING CREDENTIAL PATHWAYS IN PARTNERSHIP WITH WRAPAROUND AND CAREER NAVIGATION SUPPORTS FROM REGIONAL WORKFORCE BOARDS TO MEET THE NEEDS OF EMPLOYERS AND TRAINEES/WORKERS AND TO ENSURE A BROADER AND DEEPER TALENT POOL. OVERALL, THE PROJECT AIMS TO PREPARE AND PLACE THOUSANDS OF WORKERS IN GOOD JOBS IN BIOHEALTH, PERSONALIZED HEALTH, AND ASSOCIATED MANUFACTURING AND TECHNOLOGY SECTORS WITHIN FIVE YEARS.HEADWATERS HUB SEEKS TO ESTABLISH MONTANA AS A GLOBAL LEADER IN THE DEVELOPMENT AND PRODUCTION OF "SMART PHOTONIC SENSORS" PRIMARILY OPTICAL AND LASER TECHNOLOGIES AND IN WAYS THAT LOCAL BUSINESSES AND WORKERS CAN APPLY CUTTING-EDGE TECHNOLOGY, IN COMBINATION WITH ARTIFICIAL INTELLIGENCE AND MACHINE LEARNING, TO SELF-DRIVING VEHICLES, EMISSIONS TRACKING, AND FARM AND WILDFIRE MANAGEMENT, AMONG OTHER APPLICATIONS. MONTANA'S PROPOSAL CENTERS ON RURAL AND TRIBAL COMMUNITIES AND SEEKS TO ENSURE THAT THESE COMMUNITIES HELP LEAD HUB PROJECTS AND SHARE IN THEIR EXPECTED BENEFITS, PARTICULARLY WITH REGARD TO JOB CREATION.
  Expenses $9,473,078 · grants $1,680,000 · revenue $150,000
• HELPING LOCAL REGIONS IMPLEMENT TECH HUBS, BUILD BACK BETTER REGIONAL CHALLENGE, AND GOOD JOBS CHALLENGE GRANTSWE ACTIVELY SUPPORTED IMPLEMENTATION FOR MANY OF THESE TECH HUB REGIONS. BEYOND THE TECH HUBS WE SUPPORTED IN IMPLEMENTATION, WE ALSO SUPPORTED IMPLEMENTATION FOR REGIONS RECEIVING BUILD BACK BETTER REGIONAL CHALLENGE GRANTS AND GOOD JOBS CHALLENGE GRANTS OTHER FEDERAL PROGRAMS WE HELPED DESIGN. THIS INCLUDED HELPING ADVANCE THEIR WORKFORCE STRATEGIES THROUGH OUR EDUCATION-TO-EMPLOYMENT (E2E) APPLIED PROFESSIONAL LEARNING COHORT, WHICH INCLUDED WORKSHOPS FEATURING REGIONAL EXEMPLARS FROM ACROSS THE COUNTRY, PEER LEARNING, AND TECHNICAL ASSISTANCE. (CONTINUED ON SCHEDULE O)WE ALSO DEPLOYED TECHNICAL ASSISTANCE TEAMS TO PROVIDE CUSTOMIZED SUPPORT TO FOUR OF THESE REGIONAL COALITIONS, ALONG WITH AN APPLIED PROFESSIONAL LEARNING COHORT FOR 11 REGIONS. WE PARTNERED WITH BROOKINGS METRO TO SUPPORT THIS COMMUNITY OF PRACTICE, ALONG WITH ACCOMPANYING RESEARCH BRIEFS AND WEBINARS TO SHARE INSIGHTS AND EMERGING EVIDENCE FROM INCLUSIVE ECONOMIC INITIATIVES ACROSS THE COUNTRY.THIS SUPPORT HELPED REGIONS IN THE EARLY PHASE OF IMPLEMENTING THESE GRANTS. WITH OUR SUPPORT, THESE REGIONS HONED THEIR IMPLEMENTATION STRATEGIES, STRENGTHENED THEIR MULTI-SECTOR COALITIONS, BEGAN TO IMPLEMENT OUTCOMES-FOCUSED GOVERNANCE, AND BUILT LOCAL BACKBONE ORGANIZATIONAL CAPACITY TO SUPPORT AND COORDINATE THESE INITIATIVES IN LINE WITH THEIR VISION AND STATED OUTCOMES.
  Expenses $47,000 · grants $47,000
• THE GOOD JOBS ECONOMY INITIATIVEIN THE SUMMER OF 2025, AMERICA ACHIEVES COMPLETED A MULTI-YEAR PLAN FOR, AND LAUNCHED WITH THE NATIONAL GOVERNORS ASSOCIATION (NGA), THE GOOD JOBS ECONOMY INITIATIVE A BIPARTISAN INITIATIVE TO MODERNIZE STATE AND REGIONAL TALENT SYSTEMS WHILE SCALING EFFECTIVE PROGRAMS TO CONNECT OVER A MILLION AMERICANS TO GOOD JOBS. WE ARE ESPECIALLY FOCUSED ON HELPING STATES AND LOCAL REGIONS DO THIS IN A RAPIDLY CHANGING ECONOMY, INCLUDING IN AI-IMPACTED LABOR MARKETS. OUR AIM IS TO HELP BUILD A PROSPEROUS, COMPETITIVE NATION WHERE LOCAL RESIDENTS HAVE CLEAR PATHWAYS TO GOOD JOBS, EMPLOYERS ACCESS THE TALENT THEY NEED, AND COMMUNITIES CAN DRIVE INCLUSIVE ECONOMIC GROWTH. (CONTINUED ON SCH. O)TO DO SO, WE WORK ALONGSIDE GOVERNORS, STATES, AND LOCAL REGIONS TO ALIGN EDUCATION AND WORKFORCE TRAINING WITH ECONOMIC PRIORITIES AND EMPLOYER HIRING NEEDS AND TO CONNECT RESIDENTS TO GOOD JOBS.TO SUPPORT GOVERNORS IN TRANSLATING THIS VISION INTO MEASURABLE OUTCOMES, THE GOOD JOBS ECONOMY INITIATIVE PROVIDES A CLEAR STATE-LEVEL AND LOCAL OPERATING FRAMEWORK THE GOOD JOBS TALENT SYSTEMS FRAMEWORK. OUR GOOD JOBS STRATEGY ALIGNS THREE ESSENTIAL ELEMENTS THAT TOO OFTEN FUNCTION IN ISOLATION: BUILDING OUTCOMES-DRIVEN SYSTEMS. ADVANCING THE STATEWIDE AND LOCAL REGIONAL SYSTEMS AND POLICIES THAT ALIGN THE SUPPLY OF TALENT TO THE DEMAND FOR GOOD JOBS. SCALING EFFECTIVE AND EVIDENCE-BACKED PROGRAMS. CREATING GOOD JOBS FUNDS THAT HELP DESIGN, DELIVER, AND SCALE HIGH-QUALITY, EMPLOYER-ALIGNED PROGRAMS ACROSS A LOCAL REGION OR STATE. HELPING LOW- AND MODERATE-INCOME PEOPLE ACCESS RESOURCES TO PARTICIPATE IN HIGH-QUALITY PROGRAMS LEADING TO GOOD JOBS. THIS INCLUDES HELPING THESE POPULATIONS ACCESS ENACTED PUBLIC FUNDING THAT OTHERWISE MIGHT BE UNKNOWN OR INADEQUATELY ACCESSED BY THOSE WHO NEED IT MOST.BY INTEGRATING THESE COMPONENTS, STATES CAN MOVE BEYOND FRAGMENTED INITIATIVES TOWARD A COHERENT, OUTCOMES-DRIVEN TALENT STRATEGY ONE THAT CONNECTS PEOPLE, PROGRAMS, POLICY, AND FUNDING INTO A SINGLE ENGINE FOR ECONOMIC MOBILITY.EARLY PARTNERSHIPS ILLUSTRATE HOW THE MODEL OPERATES IN PRACTICE FROM SUCCESSFULLY SUPPORTING FEDERAL GRANT APPLICATIONS AND CONDUCTING A DIAGNOSTIC OF STATEWIDE TALENT SYSTEMS IN OKLAHOMA, TO WORKFORCE PELL POLICY AND IMPLEMENTATION IN MARYLAND, TO A REGIONAL GOOD JOBS FUND IN NORTH CAROLINA REBUILDING TALENT PIPELINES FOR GOOD JOBS IN HEALTH CARE, ADVANCED MANUFACTURING, AND SKILLED TRADES IN WESTERN NORTH CAROLINA.DURING THIS FISCAL YEAR, WE ALSO DESIGNED THE NEXT PHASE OF THIS WORK. A CENTERPIECE OF THE NEXT PHASE IS ALIGNING THE SUPPLY OF TALENT WITH THE DEMAND FOR GOOD JOBS, DRIVING BOTH EQUAL OPPORTUNITY AND GROWTH IN KEY ECONOMIC INNOVATION SECTORS AS WELL AS IN-DEMAND LOCAL OCCUPATIONS. THIS INCLUDES HELPING GOVERNORS AND STATES NATIONWIDE MAKE MEASURABLE PROGRESS TOWARD PROTECTING AND ADVANCING ACCESS TO GOOD JOBS IN AN AI-IMPACTED ECONOMY. A KEY FEATURE OF THIS WORK AT BOTH THE REGIONAL AND STATE LEVELS IS BUILDING WORKFORCE INTERMEDIARY CAPACITY TO DEVELOP, COORDINATE, AND SUSTAIN EXPANDED PATHWAYS TO OPPORTUNITY ALIGNING TRAINING SYSTEMS TO INDUSTRY DEMAND LINKED TO GOOD JOBS, WITH ASSOCIATED CAREER NAVIGATION AND WRAPAROUND SUPPORTS TO HELP HISTORICALLY AND OTHERWISE UNDERSERVED POPULATIONS ACCESS, BENEFIT FROM, AND CONTRIBUTE TO ECONOMIC OPPORTUNITY IN THEIR COMMUNITIES. THE STATE-LEVEL WORK ALSO INCLUDES ENABLING POLICIES, LABOR MARKET ANALYSES, DATA SYSTEMS, AND USEFUL TOOLS TO CLARIFY GAPS BETWEEN THE DEMAND FOR AND SUPPLY OF TALENT FOR GOOD JOBS AND TO TRACK FAIR ACCESS TO GOOD-JOB OUTCOMES.
• TRACK RECORD: DESIGNING AND DELIVERING AT SCALEAMERICA ACHIEVES IS A NATIONAL NONPROFIT ORGANIZATION WORKING WITH STATES, REGIONS, AND LOCAL PARTNERS TO ENSURE MORE PEOPLE ESPECIALLY YOUNG PEOPLE AND ADULTS WHO STRUGGLE TO ENTER OR STAY IN THE MIDDLE CLASS, INCLUDING THOSE WITHOUT COLLEGE DEGREES, NOT YET EARNING SELF-SUSTAINING WAGES, AND LIVING IN UNDERSERVED COMMUNITIES HAVE CLEAR PATHWAYS TO GOOD JOBS, REGARDLESS OF WHO THEY ARE, WHERE THEY LIVE, OR WHETHER THEY HAVE A COLLEGE DEGREE. EQUAL OPPORTUNITY IS CENTRAL TO OUR STRATEGY AND EMBEDDED IN THE DESIGN OF OUR WORK, WITH A PARTICULAR FOCUS ON EXPANDING ACCESS TO STRONG CAREER LAUNCH AND CAREER BOOST/PIVOT OUTCOMES FOR POPULATIONS HISTORICALLY OR OTHERWISE EXCLUDED FROM FAIR ACCESS TO ECONOMIC OPPORTUNITY. FOUNDED IN 2011 AS AN "ACTION TANK" CONNECTING IDEAS, PEOPLE, AND RESOURCES TO ADVANCE ECONOMIC OPPORTUNITY, WE HELP LEADERS DEVELOP, LAUNCH, AND SCALE INITIATIVES DELIVERING MEASURABLE OUTCOMES AND REGIONAL ECONOMIC OPPORTUNITIES. WE OPERATE AT THE INTERSECTION OF POLICY DESIGN, SYSTEMS BUILDING, AND ON-THE-GROUND IMPLEMENTATION. OVER TIME, WE HAVE: CONCEIVED OF AND LAUNCHED MATRICULATE, A NATIONAL NONPROFIT THAT PROVIDES FREE, VIRTUAL COLLEGE ADVISING TO HIGH-ACHIEVING HIGH SCHOOL STUDENTS FROM LOW-INCOME BACKGROUNDS. INCUBATED, LAUNCHED, AND SPUN OFF MERIT AMERICA, A NATIONAL NONPROFIT WORKFORCE DEVELOPMENT ORGANIZATION THAT CREATES FAST, FLEXIBLE PATHWAYS FOR ADULTS STUCK IN LOW-WAGE JOBS TO MOVE INTO FAMILY-SUSTAINING CAREERS. SINCE LAUNCHING IN 2018, MERIT AMERICA HAS SERVED MORE THAN 18,000 LEARNERS NATIONWIDE AND GENERATED OVER $1 BILLION IN CUMULATIVE WAGE GAINS FOR PARTICIPANTS. INDEPENDENT ANALYSIS FROM RESEARCHERS AT THE UNIVERSITY OF VIRGINIA FOUND THAT PROGRAM ALUMNI EXPERIENCE AVERAGE ANNUAL WAGE INCREASES OF ROUGHLY $21,000$24,000 WITHIN THREE MONTHS OF COMPLETION, WITH TYPICAL SALARIES RISING FROM ABOUT $27,800 BEFORE THE PROGRAM TO ROUGHLY $48,500 AFTERWARD. CONCEIVED, SECURED $65 MILLION TO INITIATE, LAUNCHED, AND SPUN OFF ACCELERATE INITIALLY TO RESPOND TO URGENT EDUCATIONAL NEEDS SPARKED BY COVID-19 WITH HIGH-DOSAGE TUTORING FOR HUNDREDS OF THOUSANDS OF STUDENTS. WE DESIGNED THE STRATEGY, SECURED THE FUNDING, RECRUITED THE FOUNDING LEADERSHIP, AND LAUNCHED PARTNERSHIPS WITH SEVEN STATES TO INSTITUTIONALIZE PUBLIC FUNDING FOR THIS WORK. SINCE SPINNING OFF FROM AMERICA ACHIEVES, ACCELERATE HAS BEGUN TO USE THIS APPROACH TO SUPPORT STATEWIDE IMPLEMENTATION OF EVIDENCE-BASED AND PROMISING K-12 IMPROVEMENT STRATEGIES BEYOND TUTORING, INCLUDING IMPROVEMENTS IN LITERACY, NUMERACY, AND CAREER PATHWAYS. HELPED DESIGN AND CHAMPION NEARLY $3 BILLION FOR PLACE-BASED ECONOMIC AND WORKFORCE STRATEGIES WITH STRONG BIPARTISAN SUPPORT HELPING DRIVE POLICY, FUNDING, AND IMPLEMENTATION OF THE $500 MILLION GOOD JOBS CHALLENGE, WHICH IS ON TRACK TO MEET ITS TARGET OF TRAINING AND PLACING 50,000 PEOPLE INTO JOBS; THE $1 BILLION REGIONAL TECH HUBS PROGRAM, WHICH SUPPORTED COALITIONS MAKING 1,000 POLICY COMMITMENTS AND ATTRACTED OVER $6 BILLION IN PUBLIC AND PRIVATE INVESTMENTS, INCLUDING BIPARTISAN COMMITMENTS FROM STATE LEGISLATURES AND GOVERNORS; THE $1 BILLION BUILD BACK BETTER REGIONAL CHALLENGE; AND $250 MILLION AUTHORIZED FOR CAREER SCHOLARSHIPS AND TRAINING FUNDS (IN THE FIRST, STRONGLY BIPARTISAN EDA REAUTHORIZATION IN 20 YEARS). SUPPORTED 85 COMMUNITY COALITIONS INCLUDING COMMUNITY COLLEGE PARTNERS AROUND PLACE-BASED ECONOMIC AND WORKFORCE DEVELOPMENT, AND HELPED 28 APPLY FOR MAJOR FEDERAL FUNDING. OF THE TECH HUB APPLICANTS WE SUPPORTED, SIX WON $225 MILLION IN LARGE-SCALE IMPLEMENTATION GRANTS (A SUCCESS RATE MORE THAN 15 TIMES THE NATIONAL AVERAGE). WE SUPPORTED EFFORTS LIKE MIAMI TECH WORKS, WHICH HAS TRAINED 675 LEARNERS AND PLACED 325 IN TECH JOBS AT AVERAGE SALARIES ABOVE $60,000.

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 August, so each return is due on the 15th day of the 5th month after that.

IRS record

EIN

27-3238471

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

2010

Accounting year ends

August

Files

Form 990 or 990-EZ

Category (NTEE)

Education (B90)

Assets (IRS master file)

$910,985

Income (IRS master file)

$791,611

Filing history

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 27-3238471).

Questions about AMERICA ACHIEVES INC

What is the EIN of AMERICA ACHIEVES INC?

The employer identification number (EIN) of AMERICA ACHIEVES INC is 27-3238471.

Is AMERICA ACHIEVES INC tax-exempt?

Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 2010.

Are donations to AMERICA ACHIEVES INC tax-deductible?

Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).

Which annual return does AMERICA ACHIEVES 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 AMERICA ACHIEVES INC due?

The return for tax year 2025 (the year ending August 31, 2026) is due January 15, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.

When did AMERICA ACHIEVES INC last file with the IRS?

The latest return in the IRS public files is the 990 for the year ended August 2025.

Who is the principal officer of AMERICA ACHIEVES INC?

The 990 for the year ended August 31, 2025 names JONATHAN SCHNUR.

Who are the officers and directors of AMERICA ACHIEVES INC?

The 990 for the year ended August 31, 2025 lists 16 people; 9 received compensation from the organization, the highest $565,883 (JON SCHNUR, CEO).

How much revenue does AMERICA ACHIEVES INC have?

On its 990 for the year ended August 31, 2025 it reported revenue of $791,611, expenses of $11,060,423 and total assets of $910,985 at year end.

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