It is the Holiday Season again. Social calendars and children’s activities are at their peak. A common belief is that December is “quiet” in real estate. In reality, things are abuzz preparing for the New Year. Realtors are planning and wrapping up their year. Many homeowners are thinking, while perhaps, not taking immediate action.
When the calendar slows, distractions abound. Plans percolate. There might be fewer sales. There is also less competition (good for buyers). Are you evaluating how your space functions? Conversations often shift from “Should we?” to “What do we want next?” What do you really want?
The Conversations That Matter Most
Planning conversations revolve around timing, readiness, and sequencing. Much depends on selling or holding the current property. Should you consider a more immediate or deferred approach?
What matters to you most? Do you need more space, a different location, more land? What does your next chapter look like?
Here is why early planning matters. Several years ago, a client shared some plans for the following year. We discussed options and made a plan. I received a distress call shortly before their listing was going on the market. A neighbor was also going on the market at the same time. “What should we do?” I assured them that we are ready to put the house on the market immediately. There were no properties for sale in the entire community. So, “Let’s get you several offers, the best buyer, and the best offer, and those who miss your house can have the next one.” This is exactly what happened. Soon after their sale, three more houses came on the market. There were no multiple offers. Our price remained top for the neighborhood for quite some time.
Financial Considerations
The financial and strategic conversations are inescapable – the “yes…but.” Yet, where there is a will there is a way. You most likely have equity in your current property which will benefit your future purchase. As a seller, tax advantages could help you act sooner than later. Perhaps now is a good time to have a preliminary conversation with your trusted real estate advisor.
Your three percent loan is marvelous, but you can still up or downsize despite interest rate fluctuations. I have structured many happy outcomes and helped my clients build wealth.
Waiting until January or worse, “spring” limits your options. January brings speed, competition, and many external pressures. Making reactive decisions is rarely optimal. Early conversations allow for better evaluation, preparation, and ultimately, execution.
As in any important financial consideration, thoughtful outcomes begin with thoughtful conversations. If you are considering a potential change, contact me now. I will help you sort the pieces and give you meaningful information with which to make good decisions. After all, the best real estate decisions are rarely rushed. They are considered.
Cold weather changes the rhythm of our homes. We shift from open windows and outdoor evenings to warm fireplaces, hot tea, and the satisfying quiet of a winter night. Yet winter requires more than comfort. It asks that we protect what protects us. A thoughtful checklist now prevents emergencies later.
Protect Pipes from a Cold Night
Few things interrupt a peaceful winter evening like a frozen pipe. When water turns to ice, it expands and can burst pipes behind walls or beneath floors. The damage is both expensive and preventable. Insulate exposed pipes in garages and crawl spaces. Keep interior temperatures steady, especially overnight. If you plan to be away, leave the heat set above fifty-five degrees. A winter night is no time for the house to fend for itself.
Ice Dams and Rooflines
Snow on the roof is picturesque until warm air beneath melts it, and it refreezes at the eaves. The ice forms a dam, and water has nowhere to go except beneath shingles. It is the hidden kind of problem that appears in March when ceilings become discolored. Proper attic insulation and ventilation keep temperatures uniform. Clean gutters before the first snowfall, and if heavy snow arrives, use a roof rake from the ground. Let the roof stay cold. That is the goal.
Walkways and Concrete Surfaces
Salt seems like a winter necessity until one remembers that salt breaks down concrete. Over time, it erodes driveways and walkways. The better approach is calcium magnesium acetate or similar products that are kinder to surfaces. The real secret is prompt snow removal. The less ice forms, the less melting product you need.
Doors, Windows, and Storm Doors
Winter air knows how to slip inside. A loose latch or worn weather stripping can make a room feel twenty degrees cooler. Take a moment when you close storm doors. Listen for the latch. Check windows and sliding doors for small gaps that invite drafts. Replace worn seals. Secure latches. These are small details that make a noticeable difference on a January morning.
Fireplaces, Embers, and a Cautionary Note
A winter fireplace is one of life’s quiet luxuries: a chair nearby, a warm beverage, and the comfort of real heat. Yet fireplace ash carries a danger many homeowners underestimate. Hot embers can remain active for hours.
Never dispose of them outdoors or in the yard. A breeze can reignite ash and send embers toward siding, mulch, or wood structures. Always place ashes in a metal container with a lid, kept away from the house, until fully cooled. It is a simple precaution that prevents a house fire while everyone is asleep.
Winter Should Be Enjoyed
The purpose of preparation is not worry. It is confidence. Once the essentials are handled, winter can be what we hope it will be: evenings by the fire, comfort in familiar rituals, and the quiet pleasure of knowing the house is ready.
Here’s to enjoying the season prepared and protected.
This is the season when we spend more time indoors and our doors and windows remain closed for longer periods.
I am deathly allergic and toxic to mold. A three second exposure can make me ill for weeks and even months. I often laugh with my buyer clients that I am the official “mold meter” when we look at houses. There have been times that I detected mold even before opening the front door. I share my experience with my clients, and we leave as quickly as possible. Sick houses can be cleaned. My clients need not be the ones to do that.
Not everyone smells or reacts to mold. I believe that educating my clients is paramount. No sale is worth illness and maladies. I would rather walk away than knowingly let my clients buy into malaise, illness, and even life-threatening accidents. A mold reaction caused me to fall from my horse, breaking my ankle. My life changed. I have not been the same ever since.
While everyone has varying levels of reaction, if any, to mold in a property, it is important to understand how mold develops and where it can grow. It is not always the old basement, although it quite possibly can be. With weather changes and moisture changes, below is a list (not comprehensive but suggestive) where mold can grow:
Window casings and drywall around them
Doors – under sill plates and around the frames on the drywall
Under sink base cabinets
Under dishwashers
Under washing machines
Under HVAC condensate lines
Inside HVAC air handlers
Behind and under refrigerators (even those without water sources)
Bathrooms
Basements – under floors, wall bases, even ceilings
Your car!!
What can you do to prevent mold from taking root in your home or car?
Inspect window caulking regularly – recaulk as needed
Check door sill plates – especially at decks and patios
Look under sinks – look for evidence of moisture – attack and remediate
Look under your dishwasher for evidence of water and mold signs
Look under and behind washing machines
Have your HVAC serviced and inspected semi-annually – ask your tech to look for evidence of leakage and mold
Pull your refrigerator out – inspect the floor
Run the exhaust fan in your bathrooms while showering to prevent condensation build-up
Confirm that bathroom exhaust fans are operating properly
Change the air filter in your car
Keep all HVAC filters clean
Here are a few unsettling facts that I recently discovered:
Drywall in its manufacturing process has imbedded mold spores
Mold loves drywall. That is why after a water incursion event, mold grows on drywall very quickly.
New home construction can “build-in” mold during the construction process by allowing materials to get wet.
Your car’s trunk gasket can be allowing water incursion and harboring mold
Your car’s air filter can get damaged by mice – their deposits can sprout mold
Your car’s AC can leak into your dash – mold can sprout
These lists are just a few of the mold issues that can develop over time or quickly.
Mold has been associated with chronic fatigue syndrome, headaches, upper respiratory ailments, even ‘colds’ could be reactions to mold. Do not be lulled into security by a ‘new house.’
Last year, I walked through our basement bedroom for a split second. That was long enough for me to get sick. It lasted through January. Where was the mold? Our basement bath exhaust fan had stopped exhausting but sounded to be running just fine. My husband likes the shower there. The moisture from the shower traveled to the far corner of the room, settled on the cold tile floor under a night table, and sprouted a quarter-sized spot of mold.
As a precaution – I had the exterior walls’ drywall removed – luckily – all was dry including studs and base framing. The tile was dry with no evidence of water. I called a waterproofing company – they tried to sell me a $50,000 remediation system.
I decided to call on the home inspector who inspects my clients’ home purchases. He came armed with a moisture meter. He found none. Then, he suggested laying down and sealing a vapor barrier plastic sheet like that of a crawl space. He told us to leave it down for 7-10 days. If at the end of the period, there was moisture under the barrier – there is a water problem. If none, then it was a condensation problem. Luckily, it was the latter.
Our brilliant contractor figured out that the exhaust fan was not extracting the condensation. In with a new fan and lots of cleaning – all is well.
However, this episode required that I discard the entire contents of the room. I had my brand new furnace thoroughly cleaned and disinfected. Mold spores are airborne and had certainly settled on all fabrics and furnishings. All because an exhaust fan had malfunctioned. On that note – ask questions about the history of any resale furnishings that you are considering buying. Have you ever smelled mustiness in antique drawers . . . ?
Mold is toxic and for those who are sensitive, each episode increases that sensitivity and the reactions. While I am not a mold expert, here is a link to mold and its remediation on YouTube. The mold conversation begins around the 3 minute mark. It is a little long but could save you years of misery.
If you have questions or need resources, contact Krasi Henkel – TEXT – 703-624-8333. If you are planning to buy your next home, Text Krasi.
After attending the Loudoun County Chamber of Commerce ‘PolicyMaker Series: Postelection Aftermath’ I walked away with concerns and considerations. This blog is not intended to make or take a political stand, but to outline possibilities and current actions. Keeping you informed so that you can make the best possible decisions, is always my goal.
Politicians and analysts banter the term, affordable housing. Let’s unpack this concept and discover how, if at all, affordability can be affected.
The variables of affordability consist of the following obvious pieces:
The price of real estate
The mortgage interest rate
The mortgage term (number of years)
Cost to insure
Taxes
Income tax incentives (if any)
Housing supply and local zoning
To improve affordability, one or more of the above variables must be influenced as follows:
Private property values are subject to market forces.
Mortgage interest rates while variable, can be subsidized by jurisdictions or offset by tax savings
The term of the mortgage 15-30-50 affects the monthly payment
Insurance is partly environmental risk based, and partly determined by your desired value to insure and what to include.
Taxes – real estate taxes are based on jurisdictional assessments. You can appeal assessments. You can elect officials who would reduce tax rates.
The Federal government or even the state can make interest, taxes, etc. deductible at higher rates – AKA – subsidizing through deductibility.
Supply and demand shifts from scarcity to accessibility can partially be accomplished through thoughtful zoning and maybe expeditious reviews.
Below are possible solutions but will require bold federal and state participation.
Let’s clear one thing up – homeowners do not plan to decrease the asking prices for their houses in a scarcity scenario. Insurers have suffered massive losses and will likely not be reducing their rates, and their reinsurers will most likely not be doing the same.
Property taxes – you can evaluate your jurisdictional budgets and determine potential austerity measures with which to justify tax reductions. We all know that this is a long term project involving studies, hearings, and elections.
While on the topic of property taxes and local jurisdictions, one way to increase supply would be to loosen zoning regulations and shorten permit and inspection periods. All of that requires public hearings. Realistically, when was the last time a voting block voted to increase density?
Income tax deductibility or credits could be useful subject to income limits. This will require political maneuvering, bills, vetoes, and committees, and lots of talk and perhaps a little help.
Mortgage interest is a possible variant. When affordability is addressed, it is often addressed for first time home buyers. The US government, states, and local governments offer mortgage loans to offset cash down payments, and structure loans based on a variety of criteria. This is where creativity can set in and offers interesting options to consider.
Let’s look at Virginia for example. There are several assistance loan products including down payment and closing cost grants. After that there is Virginia Housing (formerly VHDA), which is funded through bonds and are not and do not affect the tax base. These loans come with quite a few strings and qualification can be onerous. Looking at today’s mortgage rate, I note that VHDA is offering their loan for 6.5%. Yet FHA, VA, USDA are all below 6%.
Another mortgage alternative is increasing the loan amortization terms from 30 to 50 years. Yes, the total interest paid will be higher, but the monthly payment can become affordable. Consider the example below:
$500,000 loan at 5.75%
30 year principal and interest (PI) payment: $2918
50 year principal and interest (PI) payment: $2540
The monthly savings will be: $ 378
That difference can make the difference in qualifying.
It will cost more over the life of the loan. The reality is that most people move every seven years. Loans can be refinanced if rates decline. I have met very few people who retained their original loan to its final payment. The 30-year mortgage was originally tied to the 30-year treasury bill. Though, the 10-year Treasury Note is a more direct benchmark. The 30-year treasuries are called “long bonds.”
Zoning:
Zoning adjustment measure has been on Virginia’s local jurisdiction radar for over five years. Since 2020 initiatives to modify local zoning to permit density increases have been proposed.
Last week, a circuit court judge recently ruled in favor of the City of Alexandria in the “Zoning for Housing” lawsuit, dismissing the case and allowing the city’s zoning reforms to stand.
The case had been brought by local property owners, Coalition for a Livable Alexandria, protesting the density changes and their perceived impact on their properties. This ruling allows the city’s “Zoning for Housing” ordinance to proceed.
A question: with the decision in place, can a developer now buy a single family house, tear it down and build a multi-family structure? What are the limits? What are the safeguards? Where will those residents park? How will the existing infrastructure support the additional density as far as education and traffic?
In Tysons, a similar initiative has been enacted. Click here to learn more about these and other Virginia measures.
While political promises abound, reality sets in. The recent election platform was heavy on affordable housing. When I inquired at the recent event, about the “how” of the promises, the moderator ‘ran out of time.’ I asked why VHDA loan rates outstrip all other loan rates. When I approached one of the State senators, he told me that they are “looking into it.” The urgency? Subject to interpretation. They seem focused on zoning changes as the primary solution.
There is no easy fix. Everyone must get involved and ask the hard questions: When politicians promise ‘affordable housing,’ ask them: Affordable to BUY, or affordable to RENT? Those are two very different things – one builds wealth and independence, the other creates permanent tenants beholden to landlords and government programs. The days of happy ambivalence are gone. You should pay close attention and make your decisions thoughtfully.
If you want to buy your first home, contact Broker Krasi Henkel. Her nearly 40 years of experience and exceptional lender network, produce dream-come-true scenarios. If you want to be one of the lucky few – text Krasi today – 703-624-8333.
The Update That Will Change Many Agents’ Clients’ Privacy
On November 15, Zillow’s new Follow Up Boss policy activates. It allows Zillow to analyze “mutual customer data” — information about people already stored in an agent’s database and active on Zillow. In practice, that means private notes, personal dates, communication records, and engagement metrics will most likely flow into Zillow’s broader system.
The Fine Print Behind the Automation
Agents and brokers across the country rely on Customer Relationship Management CRMs that promise efficiency. That speed has a price. By clicking “agree,” most have granted sweeping permissions that they have most likely not read. These updates are not breaches. They are contracts of consent written in language few real estate professionals have the time , patience, or legal acumen to interpret.
Why This Matters to You
Real estate is built on trust and confidentiality. When client data becomes “shared metadata,” trust erodes. The public assumes its conversations with agents are private. Agents assume that their CRMs act as secure tools. Both assumptions are now questionable.
Properties on the Potomac Does It Differently
At Properties on the Potomac, technology serves judgement. We never replace judgement with technology. Of course, we use advanced digital systems, but we maintain local control of all client data. No automated platform owns our client relationships, and no algorithm decides who receives correspondence.
Our data protocols are guided by three principles:
Control: We decide where our data lives, and who can access it.
Confidentiality: Your personal and financial information remains between you and your agent.
Accountability: We read ‘agreements’ before signing and occasionally forego convenience for privacy. Your trust is not a click-through box.
Krasi’s extensive education in accounting and finance has developed a “radar” to detect potential conflicts of interests. In 2002, when her then brokerage demanded that all client data be entered into their centralized CRM system, Krasi changed companies.
When asked which CRM our company uses, Krasi replies, “spreadsheets.” Why? Because our clients do not have to be “managed” with prewritten impersonal communication. Real Estate is still a PEOPLE business. The person who is helping you with your most important financial transaction must respect you more than AI-generated communication can offer.
The Bottom Line for You
Technology should enhance professionalism. Convenience is valuable, but not at the expense of control.
Technology must never erase human professionalism.
Nestled in Virginia’s northwest corner, Western Loudoun County represents one of the region’s most distinctive real estate markets. Properties here offer a captivating blend of agricultural heritage and contemporary country living, with investment opportunities ranging from historic estates to luxury new construction. Rolling hills dotted with stone fences frame breathtaking Blue Ridge Mountain vistas, creating premium viewsheds that significantly enhance property values.
Western Loudoun real estate includes luxury new builds……historic estates……and charming small towns.
The region’s thriving agribusiness sector supports strong agricultural property demand, from century-old family farms to boutique agricultural ventures. Over 45 award-winning wineries have established Western Loudoun as Virginia’s wine country epicenter, driving specialized vineyard property values. The robust equestrian market features everything from modest hobby farms to world-class training facilities, with proximity to riding trails and hunt country commanding premium pricing.
Western Loudoun proudly preserves its rich foxhunting tradition through prestigious hunt clubs like Loudoun Hunt and Middleburg Hunt. Properties within established hunt territories often enjoy enhanced market appeal and stronger value retention, particularly among equestrian buyers.
The area boasts a robust equestrian community……award-winning wineries……and a rich foxhunting tradition.
Families invest here for top-rated public schools and prestigious private academies. The real estate market benefits from exceptional recreational amenities, charming historic towns, and proximity to Washington DC, creating a perfect balance of rural tranquility and metropolitan access that continues to attract discerning buyers seeking authentic country living without compromise.
If you are considering quality of life and a upscale rural lifestyle, contact our broker, long-term resident, and equestrienne, Krasi Henkel at 703-624-8333, to discuss your goals and options.
As the cold season approaches, it’s important not to overlook your home’s exterior when preparing for winter. In this final week of winter preparation, we’ll go over a few simple steps you can take to maintain your yard and outdoor equipment, helping prevent damage, keeping your property safe, and ensuring you’re ready when the first snowfall arrives.
Snow on trees may be beautiful, but it can also be dangerous.Outdoor furniture can wear down when exposed to the winter elements.Don’t forget to stock up on winter tools!
-Trim Trees and Bushes: Winter storms can bring heavy snow and ice, which add stress to tree branches. Weak or dead branches are particularly vulnerable to breaking, potentially causing damage to your home or vehicles. Take the time to inspect your trees and bushes, removing any dead or weak branches. This preventive step can save you from costly repairs and improve the safety of your property.
-Store Outdoor Furniture: Outdoor furniture can quickly wear down when exposed to winter weather. To prolong its life, clean and store it in a garage, shed, or other covered space. If storage isn’t an option, use heavy-duty covers to protect your furniture from snow, ice, and freezing temperatures. Doing this will ensure that your outdoor furniture is ready to go once spring arrives.
-Stock Up on Winter Essentials: Don’t wait until the first snowstorm to realize you’re missing key winter supplies. Now is the perfect time to check your inventory of snow shovels, ice melt, and winter gear. Be sure to also test any snow blowers or other equipment to ensure they are in working order. Preparing early will give you peace of mind when winter weather hits unexpectedly.
By taking these steps, you’ll ensure that your outdoor spaces are ready to handle whatever winter throws at them. If you need assistance finding local professionals for tree trimming or outdoor maintenance—or if you’re thinking about buying or selling a home—reach out to Properties on the Potomac at 703-624-8333. We’re here to help with all your home and property needs!
As a real estate company, we understand that homeownership extends beyond the four walls of your property; it encompasses your role within the community and the broader societal landscape. With the election around the corner, it’s crucial for homeowners to recognize the power of their vote. Decisions made at the local, state, and national levels can significantly impact your home’s value, property taxes, and neighborhood services. When you cast your ballot, you influence policies that directly affect your community, from zoning laws to infrastructure improvements.
Voting allows you to advocate for issues that matter to you as a homeowner. By participating in elections, you ensure that your interests are represented, whether it’s pushing for community development projects, taxes, or funding for local schools. These decisions shape not only your living conditions but also the value of your investment. Moreover, engaging in the electoral process fosters a stronger sense of community, encouraging collective action that can lead to positive changes in your neighborhood.
As you prepare for the upcoming election, we encourage you to take the time to educate yourself on local propositions and candidates. Each election presents an opportunity to impact the future of your home and community. At Properties on the Potomac, we are here to support you not only in your real estate journey but also in understanding how these civic matters can influence your homeownership experience.
Make your voice heard by voting this election season, and let’s work together to create thriving communities. Contact Properties on the Potomac at 703-624-8333 today to learn more about how we can assist you in your real estate needs and keep you informed about the issues that matter most to homeowners. Your vote is your voice—don’t let it go silent!
As winter approaches, it’s important to take steps to ensure your home is ready to withstand the cold. A well-sealed house will not only keep your family comfortable but also help reduce energy costs. In this first week of winter preparation, the focus is on inspecting and sealing your home to prevent drafts and heat loss. Here’s a simple to-do list to get started.
Don’t let cold winter drafts ruin your cozy winter home!Windows can be a major source of heat loss in the winter.Consider applying window film for an extra layer of insulation.
Inspect for Air Leaks: The first step in sealing your home is identifying where cold air might sneak in. Pay close attention to windows, doors, and any gaps in your home’s structure. Common problem areas include door frames, windowsills, and places where pipes or electrical wiring enter your home. Once you’ve located these potential air leaks, seal them with weatherstripping or caulk. Sealing drafts can save you a significant amount on your heating bills by keeping warm air inside.
Seal Drafty Windows: Windows can be a major source of heat loss during the winter. If you feel cold air around your windows, consider applying window film for an extra layer of insulation. Window film is an inexpensive solution that can help trap heat inside. Alternatively, installing insulated curtains can keep your home warmer by blocking out cold drafts, especially at night.
Examine the Roof and Chimney: Don’t forget to check your roof and chimney for any signs of damage. Missing or damaged shingles can lead to water leaks and ice dams, which can cause significant damage in the colder months. Similarly, inspect your chimney for cracks or blockages that could prevent it from venting properly. Addressing these issues early will prevent costly repairs and make your home more energy efficient.
Inspect your chimney for cracks or blockages.Missing or damaged shingles can lead to significant damage in winter.With the right preparation, you can enjoy your cozy home no matter what weather winter throws your way!
By following these simple steps, you’ll be on your way to a warmer, cozier home this winter! If you need help finding professionals for repairs or inspections, contact Properties On the Potomac at 703-624-8333 today. And stay tuned for more tips on how to prep your home for winter weather!
Here’s an amusing bit of architectural etymology trivia. What we know as a transom window is called “vasistas” in French. The origin of this term is quite funny: in the 1700s, French builders didn’t have a specific name for these small windows above doors. But whenever their German neighbors visited, they would point at the transoms and ask, “Was ist das?”—meaning “What is that?” The French assumed this was the window’s name and adopted the term. Ironically, the Germans didn’t have a name for it either—they were just curious!
What Are Transom Windows? Transom windows, often found above doors or larger windows, serve both functional and aesthetic purposes. Historically, they were a common architectural feature in homes before the widespread use of electricity and air conditioning. These small windows allowed light and air to flow between rooms, while maintaining privacy and security.
In older homes, transom windows often have intricate designs or stained glass, adding elegance and charm to any space. Though their use has evolved, transoms remain popular in modern construction, with homeowners and designers incorporating them as both a functional and decorative feature.
Functional Benefits of Transom Windows Light and Ventilation: In the days before electricity, transom windows helped circulate air and allowed light to pass between rooms. This natural ventilation kept homes cool during warmer months, while the positioning above doors preserved privacy. Even today, transoms can add extra light to dark hallways or interior rooms that may not have direct access to exterior windows.
Architectural Appeal: Transom windows provide an elegant design element to both traditional and modern homes. Their placement above doors or windows breaks up large wall spaces, adding character and style. Many homeowners choose decorative options, like stained glass or patterned grids, to make them stand out as a focal point.
Energy Efficiency: While today’s transom windows may not be used for ventilation as often, they still serve a purpose in energy conservation. High-quality, insulated transoms can help reduce energy costs by providing additional natural light, meaning you’ll need to rely less on artificial lighting during the day.
Modern transoms can be used to allow more light into a room or to make a statement.Transoms are often a stylistic choice in modern times.The versatility of transom windows makes them a popular feature in both contemporary and traditional homes
Modern Uses for Transom Windows While transoms were once a necessity, today they are more of a stylistic choice. In modern homes, transom windows are used to create a feeling of openness, particularly in areas with high ceilings. They can be installed above interior doors to connect spaces visually, or they can be used in exterior walls to make a statement in entryways or living rooms. The versatility of transom windows makes them a popular feature in both contemporary and traditional homes.
Transoms are often custom-designed, allowing homeowners to choose from a variety of shapes, styles, and materials to match their home’s architecture. Whether you want a clean, minimalist look or a more ornate design, transom windows are a great way to add both style and functionality to your home.
Whether you’re renovating a historic property or adding a modern touch to your home, transom windows are a feature worth considering. Their unique history and timeless appeal make them a charming addition to any space. If you’re thinking about incorporating transom windows or other architectural features in your home, or if you’re in the market to buy or sell, contact us Properties on the Potomac at 703-624-8333 today. We’re here to help you find the perfect home with all the features you love—or to guide you through renovations to make your home more beautiful and functional!
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