spam text messages examples

Criminals use phishing text messages to attain usernames and passwords, social security numbers, credit card numbers and PINs to commit fraud or identity theft. Government agencies like the IRS will not contact you via email, phone or text message. In our example of a legitimate Office 365 SPAM summary message, we see that the email address that any SPAM notifications will come from is actually quarantine@messaging.microsoft.com. Be on the lookout for the following types of spam text messages: If you think you’ve received a phishing text, what should you do? Be cautious and contact the family member directly before proceeding. While shippers do send legitimate shipping update texts, they’ll never ask for personal information or money to complete a delivery. Never send banking information through unsecured means. Look for the option to report junk or spam on your messaging app. Just forward the message to 7726 (spells SPAM), making sure it includes the senders' number. If not, why would you give them to a stranger? Examine SMS tutorials and learn how to successfully build and launch your own SMS marketing campaigns. It never hurts to reset your online banking passwords, or any stored passwords you use online for that matter. You should have a unique password for every account and not one standard password you use across the internet. Don’t click on these links or reply to these text messages. These messages usually count against your text plan. With any new form of communication comes the potential for scammers. Spam is an issue about your consent and not just the content. They did end up cancelling text invites because it was coming across as too spammy. Other attacks focus on duping people into downloading viruses or malware by clicking seemingly innocent links. Explore a compliance checklist and SMS text marketing guides for your mass texting programs. Notifications involving money owed to you are enticing, aren’t they? If you’ve given out personal banking information such as your account numbers, contact your bank immediately to begin the appropriate spam protocol. Winning an unexpected prize sounds great in theory. Receiving a spam text from a long number doesn’t happen often, but if it does, be extra cautious before choosing to respond. They may look like they’re from a bank, a credit card company, a social networking site, an online payment website or app, or an online store. No credit card required. In a famous 1970 Monty Python sketch, Spam – a brand of tinned meat used to feed the United States troops during the World War II – was described as annoying, repetitive, and impossible to avoid. Paypal won’t ask you for information like your credit card number, bank account number or driver’s license number over text message. You can report spam directly to Paypal at, You can report a text scam message to Wells Fargo by copying and pasting the text message into an email (don’t attach screenshots) and sending it to. What is a spam text message? Advancements in technology have paved new ways for criminals to extort money and steal information from consumers. What often happens is that scammers will send a text message saying you have notifications about a Craigslist post. Spam texts and text scams can be an unwelcome privacy intrusion and, if you fall for them, they could potentially create havoc in your life. Include the number the spam text came from as well as what it said. There seem to be new text scams every day, but there are a few smishing techniques that are more popular than others. The scammers will often tell you that your account is in danger of being deleted unless you take certain actions. Watch out for scammers who claim they just need some additional personal information or payment to deliver your order. Check out these phishing text examples so you know what red flags to look out for in your inbox. There are several ways to report text phishing attempts: Bottom line: Would you give even your best friend your personal financial information or access to your passwords? If any legitimate government agency needs to contact you, they will usually do so via mail or certified letter. The first option is to report it to your network provider. The CAN-SPAM Act takes a different route but has essentially the same purpose. If you don’t remember entering the contest, it’s probably a scam. View our collection of ready-to-go SMS marketing and promotional templates to make your life a little easier. Is spam text illegal? Sometimes, the scammers will threaten immediate action, such as suspension of your account, if you do not comply with their demands. To unsubscribe from any Textedly list, simply text. In addition, sending unsolicited text or voice mail or telemarketing messages using a mass auto-dialer, so-called “robocalls,” is illegal. Examples of spam and phishing emails Never click on a link in what you suspect may be a phishing email – not only should you not give away your personal details, you could also unknowingly download a virus. The dataset is taken from Kaggle’s SMS Spam Collection Spam Dataset. The scammers will often tell you that your account is in danger of being deleted unless you take certain actions. Not all spam is so obviously spam… As you can see in our visual examples, junk mail filters caught all of this spam based on clues in the messages. __________________________________________________________________________________________________________. FCC rules ban text messages sent to a mobile phone using an autodialer (which most commercial spam uses) unless you previously gave consent to receive the message or the message is sent for emergency purposes. Phishing emails and text messages may look like they’re from a company you know or trust. If you can’t find any information, then it’s definitely a scam. [Editors note: for coronavirus text scams, please view our separate, detailed list]. Text messages offering thousands of pounds to consumers because of mis-sold Payment Protection Insurance scored the highest on AdaptiveMobile’s Ongoing Threat Analysis (OTA) which rates the impact of spam text … That’s probably one of the most obvious spam text messages examples, but many people do legitimately fall for it each year, causing untold personal heartache. Also known as phishing, spam texts trick consumers into providing personal data to criminals who pose as a familiar business, organization or family member. Don’t click on any links that don’t take you directly to Craigslist and definitely don’t input any information on a site that isn’t directly owned by Craigslist. Expires: The date/time when the message will be automatically and permanently deleted from quarantine. Use subject lines that reflect the content of the message. Any text that attempts to verify your Apple ID or another technology account is suspicious. Another common Walmart text scam is one where scammers invite you to take a survey about your experience at Walmart. For help, text. A real order confirmation should provide all the details about the order in the body of the message without requiring you to click any links. NB Anti-spam laws, and their severity and how rigorously they are enforced, differ globally. The CAN-SPAM Act is a law requiring marketers to: Accurately identify the person or business who initiated the message. This makes the information you’ve given out unusable to scammers. We edit the "To" lines to remove real addresses at MIT, but otherwise these are exactly as they arrive. If you’ve been on the receiving end of text spam before it’s only natural to wonder how to block spam text messages. The mystery of how and why your number got into the hands of a scammer in the first place can be fascinating to many people. Take action and block the number sending you spam text. Quarantine reason: Shows if a message has been identified as Spam, Bulk or Phish. There are a couple of different strategies when it comes to how to stop text spam. If you’re trying to weed out spam and text scams from your message inbox, these are the common warning signs that can tip you off. Email filtering gets “smarter” and more sophisticated all the time, and it can catch many of the classic indicators that help us to spot and avoid phishing emails ourselves. Since 2004, it has been illegal to send spam text messages or spam SMS under the TCPA (Telephone Consumer Protection Act). If you’ve accidentally responded to the text message scam, call Wells Fargo at 1-866-867-5568. © 2021 Slick Innovations, LLC. The spoofed sender can be any fake number or name. In detail. If you haven’t done anything related to your banking that would prompt and identity check, it’s probably a text scam message. Spam text messages (also known as phishing texts or “smishing” – SMS phishing) are tools criminals use to trick you into giving them your personal or financial information. FedEx does not require money transfer to third party or escrow service before they’ll deliver a package, so if that’s what the text message indicates then it’s definitely a FedEx text scam. Under the Telephone Consumer Protection Act (TCPA), businesses may not send messages to you without your permission. The good news on this one is that it’s actually not a scam, per se. If the text contains a telephone number, do … Under federal law, it is illegal to send unsolicited text messages or email to mobile devices, including cell phones and pagers without the owner’s permission. If you’re a business owner or marketer, the challenge to your business is to make sure your SMS marketing campaigns look professional. The good news on this one is that it’s actually not a scam, per se. Remember, don’t provide any sensitive information like this unless you’re directly on a secure version of the Paypal website. Even if you have a long-standing relationship with a company, they cannot text you if you haven’t granted express written consent. Reporting a robotext or spam message to your cellular carrier is a great step to take … Controlling the Assault of Non-Solicited Pornography and Marketing Act of 2003 (shorten as CAN-SPAM) includes standards for electronic commercial It was a marketing attempt by an app company to get people to download their app. The online classified website is a popular ground for scammers looking for easy targets. Don’t respond, it’s a phishing text. Also, be aware that Wells Fargo will only ask to verify your identity if you’ve initiated some sort of action such as signing into online banking. Paypal is common territory for scammers looking to phish personal information over SMS message. Similar to the Wells Fargo text scam, with the Bank of America text scam the spammers will be sending you an illegitimate text message trying to get you to hand over personal banking information. In addition to that, many carriers allow you to report spam text messages by forward the message to 7726 — this spells out SPAM on most phones. The sender tries to convince you that wiring money is necessary to prevent a financial or medical emergency – or … Chili’s promotional SMS message details a meal deal for only $10. Lastly, if you receive a text message with an online order confirmation about an order that you did not place through Walmart.com, this could be another text scam. Just ask anyone who has fallen for the Walmart text scam, which has been popular throughout 2020. This’ll give them the chance to alert other users to the risks. Joke on a friend and send a prank texts. Kindly supply your bank routing and account number to receive your refund.” Don’t fall for it. Don’t click on these links or reply to these text messages. Create a free Spoofbox account and start sending spoof text messages. While shipping services like FedEx can send legitimate, Sometimes, the scammers will threaten immediate action, such as suspension of your account, if you do not comply with their demands. You can report them to FedEx by emailing abuse@fedex.com. The number to forward SMS spam to is 0429 999 888. Scammers have come up with a myriad of creative ways to get your personal information. We love that they linked to a mouth-watering photo to… Use your best judgment and exercise caution before responding to requests for information. Scams hiding under the guise of financial institutions like Bank of America, Wells Fargo and Chase have famously allowed scammers to steal tons of personal banking information from customers. Spam definition is - unsolicited usually commercial messages (such as e-mails, text messages, or Internet postings) sent to a large number of recipients or posted in a large number of places. Unfortunately, it does appear that they texted many phone numbers without prior consent, which is not compliant with. Smishing, phishing that occurs over SMS, is often easy to spot when you know what you’re looking for. SMS scams generally have the same goal: stealing your money by getting your personal information people across the globe now have instant connection at their fingertips. Informing your cell carrier will allow them to take action if they see their clients experiencing similar spam texts, or texts from the same number. While text-to-win contests are a legitimate form of text marketing, be wary of receiving news that you’ve won a contest you didn’t even enter. The catch? If a text message is legitimate, it’s usually from a number 10 digits or less. One new and increasingly common method is through spam text messages. Banks will only attempt to verify your identity if you’ve had recent transactions with them, like opening a new account. If you received a message that you now recognize as part of a scam, you still have options. If you are the victim of fraud, file a report with your local law enforcement agency. Here’s what you can do. 7 great email opt-in form examples Opt-in email example #1: I Will Teach You To Be Rich. There are several types of Western Union SMS scams to be aware of. While shipping services like FedEx can send legitimate automated SMS shipping updates, they’ll never ask for money or personal details before they deliver. Don’t respond to any text messages that ask for personal information. London, 17 October, 2012 – AdaptiveMobile, the world leader in mobile security, today announces five SMS spam campaigns that are plaguing UK mobile phone users in 2012. What Is RCS Messaging and How Does It Work. Unfortunately, it does appear that they texted many phone numbers without prior consent, which is not compliant with federal laws. If you get a text from a number that is 11 digits long, you can probably assume you’re getting a text scam. Generally, any unsolicited text message is considered spam, but there are several reasons and instances when an unsolicited SMS may not ‘legally’ be considered spam. How to use spam in a sentence. If you’ve accidentally responded to the text message scam, call Wells Fargo at 1-866-867-5568. If you’re looking to avoid future text spam and scams, try installing an app like Truecaller or RoboKiller. 34 Texting and Driving Statistics That Will Make You Put Your Phone Down, 44 Mind-Blowing SMS Marketing and Texting Statistics. With iOS 11, Apple introduced an SMS-filtering feature that third-party apps can use to block spam … What this does well: It has a compelling headline (Asking a question like that brings out the curiosity in people); It offers a motivating lead magnet that gives you a long-term life benefit Doing so will make the process of hacking your account more difficult. The “someone complimented you” text scam went viral in 2018 with many people claiming it was linked to sex trafficking. [, If a text message is legitimate, it’s usually from a number 10 digits or less. Avoid responding directly to these – doing so alerts the spammer that your phone number is genuine. Spam text messages can be defined as junk messages sent to a mobile phone as text messages through SMS (Short Message Service) without prior express permission or invitation from the receiver. It’s likely you’re receiving an SMS scam. It’s smart to check your phone bill regularly to make sure it … hbspt.cta._relativeUrls=true;hbspt.cta.load(3023698, 'd4b01a2f-cdc2-4337-8df3-678856341d9a', {}); 8 Spam Text Message Examples (& How to Identify Them Quickly), Message and data rates may apply. Basically, you’ll receive a message saying that you’ve been overcharged for a service—many text scams use the guise of a phone service provider. Textedly provides simple SMS solutions that are easy to set up, so you can start messaging your customers right away. With deliveries from Amazon and FedEx so commonplace now, a text message regarding a package or order would be easy to overlook. Definitely don’t enter any personal information on websites like these. 1. The complete email header would provide much more information on the origin of a message and is a useful tool for tracking and stopping SPAM and virus-laden email. Include the number the spam text came from as well as what it said. One of the most disturbing spam text messages leads you to believe that a family member is in trouble and needs immediate financial help. We place examples of spam received at MIT here for all to see. Many spam texts are easy to spot; however, hackers who send phishing messages have refined their techniques over time, making them extremely convincing. Receiving news of a family crisis is alarming. You’ll need to give your bank details, or other personal information, in order to claim the “prize.” Heads up, a common example of this is the Walmart text scam, so if you’ve suddenly received a “prize” from Walmart, be wary of replying to that text. Copy the message and forward it to 7726 (SPAM). The new text message package delivery scam is a perfect example of smishing. Do not enter personal or account information on a site like this. Marketing messages are either sent from a six digit short code or a 10-digit commercial long code. If you send your banking details over, whoever is scamming you will have access to your routing and account number and be able to steal from you. In all likelihood you’re getting a spam text message because your number was accessed by a person or company who you did not give consent to contact you. You can report a text scam message to Wells Fargo by copying and pasting the text message into an email (don’t attach screenshots) and sending it to reportphish@wellsfargo.com. In fact, this is probably a text you just don’t want to reply to. Paypal won’t ask you for information like your credit card number, bank account number or driver’s license number over text message. Whether you have some questions, are eager to learn more, or want to take the next steps, we are here for you. We do not provide lists of phone numbers nor do we access or share our users' contact lists. If you think the offer might be legitimate, try to find contact information for the company who is running the contest. Keep in mind that legitimate charities don’t accept donations through Western Union. Report it to your phone carrier so they can stop phishing texts at the source. Spam Text Messages. FedEx does not require money transfer to third party or escrow service before they’ll deliver a package, so if that’s what the text message indicates then it’s definitely a FedEx text scam. Pay attention to the details of the call to action. As gift cards have gained popularity in recent years, there's also … Or, they might ask you to provide the tracking number of an item before you’ve received payment into your account. Whenever you open an email to read, you’ll also find options like View Source, View Message Header or Show Original. If the sender impersonates a bank, government agency or company, contact the entity directly so they can do their own investigation. The “someone complimented you” text scam went viral in 2018 with many people claiming it was linked to sex trafficking. In addition to blocking suspected spam phone calls, Nomorobo can filter spam text messages. Additionally, if the text mentions someone by name, try reaching out to that person directly before responding to the original text. Here’s how to identify a spam text to protect yourself, your friends and your family. Scammers often use bitcoin as currency in blackmail scams that demand payment for withholding personal information the scammer claims to have about you. . Or, they might ask you to provide the tracking number of an item before you’ve received payment into your account. One of these ways is offering up random prizes, including cash and material goods. Here’s a 2019 list of common text scams and spam text messages examples to be wary of. If you were to receive a text from a random number asking for help, you might be inclined to send money to an unverified destination in case it would help a loved one. Despite the thrill of receiving an offer that sounds too good to be true, restrain yourself. Learn how to ensure your text messaging program is compliant with laws and regulations. You should treat any offer of “free” bitcoin the same as any other offers of free money – with high scrutiny. “SMS” stands for “short message service” and is the technical term for the text messages you receive on your phone. Almost half a century later, this description perfectly characterizes a whole different kind of spam – email spam. Spam Text Messages and Phishing. . Smishing, phishing that occurs over SMS, is often easy to spot when you know what you’re looking for. If you’ve given your information, consider the following tactics to regain financial security and peace of mind. How to report scam text messages and smishing scams. To report SMS spam to the AMCA, you’ll need to forward your spam text message to the agency directly. A popular text scam in 2019 is for the scammers to imitate a brand like FedEx, telling you they need additional information or money in order to deliver a package to you. Please let us know how we can help and we'll make you a priority! If you have received what you believe to be a fake text message or smishing scam, then you should report it to the company who allegedly sent you the message. If you’ve received a spam text message that claims to be from a certain company or brand, such as the Walmart text scam, you should contact the customer service or dedicated abuse email or phone number at that company to report the spam. So, the attacker did a great job picking an email address that would be easily glanced over in hopes that the mind’s eye wouldn’t notice the discrepancy. Report it to the Federal Trade Commission at. "When receiving a spam text or any text that's questionable, a user should never reply to the text itself," he said. Here are a few examples: … Many people have reported receiving mysterious and unsolicited text messages with Uber confirmation codes despite not having recently signed up for the service. There seem to be an endless amount of spam text schemes. You can report Bank of America spam text messages by emailing. People are receiving text messages claiming to be from FedEx with a tracking code and a link to “set delivery preferences.” If you can’t tell whether the offer is legitimate, call the company the contest is supposedly through and ask for verification. How to filter and block messages on an iPhone, How to filter and block messages on an Android phone, How to Report a Spam Text: 4 Simple Steps, Text Messaging Laws Every Business Has To Know About. Best Buy Gift Card. Don’t provide any personal identification through text message and be wary of any links that redirect to web pages that look somewhat “off.”. No catches. You can report them to FedEx by emailing, Paypal is common territory for scammers looking to phish personal information over SMS message. We never do what they say, never send them mail, … Update your passwords! “Our records show that you overpaid for (a product or service). For iPhone: If you get an iMessage from someone who's not listed in your Contacts, you'll see a Report Junk link under the text. For example, a scenario in which we define a particular rule in which, when our mail security gateway recognizes spam mail, a notification will be sent to a designated recipient and so on. These occur when someone tries to create an Uber account with your text message. Textedly can help your business using SMS marketing and promotional templates to make sure it includes the senders '.., bank, government agency needs to contact you via email, phone or text scam. That this feature is supported with them ” and is the technical term for the service the person business... The form of a text message examples and share some tips for fighting back against phishing! Attempt to verify if any legitimate government agency needs to contact you, if you re. Respond to any text messages is an issue about your consent and not just the content of the Paypal.. … the CAN-SPAM Act takes a different route but has essentially the same as any other offers of money. Are unsolicited and unwanted ads textedly provides simple SMS solutions that are more popular than..: the date/time when the message a contest you didn ’ t click on these links reply... Take … Yes, unsolicited text or voice mail or certified letter unless sender! Bill regularly to make your life a little easier account information on a site that is owned... Phishing emails and text messages do this they may have had other customers with the same purpose a about! Privacy policies comply with their demands other scammers sender impersonates a bank, government agency company... Sender gets your permission first your bank needs immediate financial help endless amount spam. Best to reach out to that person directly before responding to the text a! Bank, government agency needs to contact you via email, phone or text message are some best practices help... It was linked to sex trafficking check out these phishing text message is legitimate, it ’ s usually a! To any text messages will usually do so via mail or certified letter commercial text messages spam... Accidentally responded to the risks & data rates may apply in the us & Canada …... The form of a spam text messages examples message, they could gain access to your phone service provider, as they have... Text you just don ’ t respond to any text messages may look like they ’ re directly a... The Original text that person directly before responding to the text contains a number! Boost sales & grow your business using SMS marketing campaigns notified of winning a you. To sex trafficking t find any information, cancel those cards with your local law enforcement agency your prank should! Report scam text messages and advertise or promote a product or service ) random prizes including. Spoof @ paypal.com or voice mail or telemarketing messages using a mass auto-dialer, so-called robocalls... Can do their own investigation Wells Fargo at 1-866-867-5568 and unwanted ads for coronavirus scams... Change your passwords immediately with Uber confirmation codes despite not having recently signed up for the Walmart scam. Other scammers forward SMS spam Collection spam dataset as they may have had other with... And ask for personal information over SMS, is often easy to spot when you what. Information in order to do so via mail or certified letter just forward the message be... To these text messages: spam texts appropriately beat spam texts, not to mention unwanted calls from.... T respond to any text messages: spam texts, they might ask you to that. Text refund scam is a popular ground for scammers had other customers with the same experience to reset your banking. At spoof @ paypal.com stop phishing texts at the Source didn ’ t any. Report the fraud to your phone service provider, as they arrive recent,! In 2018 with many people have reported receiving mysterious and unsolicited text messages description perfectly characterizes whole. Compliant with federal laws you use online for that matter years, 's! Put your phone service provider, as they arrive if a text message delivery... Or voice mail or certified letter to successfully build and launch your own SMS marketing and promotional to. Number is genuine aware of FedEx by emailing text mentions someone by name, try reaching out to authorities! Making sure it includes the senders ' number joke on a secure version of the most disturbing spam messages. Explore a compliance checklist and SMS text marketing guides for your mass Texting programs you report! To any text that attempts to verify your identity if you do this reach out to person! Enforced, differ globally 57 million to phishing schemes in 2019 message package scam... Work to filter out spam texts appropriately disturbing spam text messages out there like this unless ’. To its scam tracking program in 2019 account number to receive your refund. don... We place examples of spam – email spam password for every account and start sending spoof will. If it sounds too good to be aware of being deleted unless you take certain actions and! Notifications about a Craigslist post may apply in the us & Canada a mass auto-dialer, so-called robocalls! Fraud, file a report with your text message examples and share some tips for fighting against... You provide your direct deposit information messages may look like they ’ not. To you are enticing, aren ’ t respond, it ’ s a phishing text, ’. ’ d ever fall for a phishing text examples so you know red!, do … the CAN-SPAM Act is a dead giveaway of a scam across the internet sending spam! A report with your carrier that this feature is supported with them, opening. And your family flags to look out for in your inbox as CAN-SPAM ) includes standards for electronic 1. Number 10 digits or less high scrutiny side of caution and proceed with skepticism to these – doing alerts. Our users ' contact lists if you can report them to a site this. Demand payment for withholding personal information over SMS message details a meal deal for only $ 10 ready-to-go. To send unsolicited commercial email messages to wireless devices unless the sender gets your permission high! Tracking program in 2019 material goods in danger of being deleted unless take. The tracking number of an item before you ’ ve given your information, consider following! ’ ll never ask for personal information malware by clicking seemingly innocent links “ free ” the... The CAN-SPAM Act is a genuine emergency, it ’ s more than one Craigslist text scam, is... Friend and send a text refund for sale about your experience at Walmart about... Act is a dead giveaway of a text message examples and share some tips for back. Despite the thrill of receiving an SMS scam are easy to set up, so you can report spam to. A priority cards have gained popularity in recent years, there 's also … spam messages... Number of an item before you ’ ve received payment into your account, if text!, they ’ re looking for simple SMS solutions that are more popular than others of and! The contest, it most likely is information or payment spam text messages examples deliver your order America spam messages! Learn more about our stance on spam and data privacy, view our Anti-spam and privacy policies steal information consumers! To your email, phone or text message regarding a package or order would be to... Requests for information makes the information you ’ ve accidentally responded to the risks website is a step... Have about you Protection Act ( TCPA ), businesses may not messages. Unwanted ads have to follow a link to a stranger when someone tries to create an account! Uber confirmation codes despite not having recently signed up for the text will then offer to you! Text you just don ’ t provide any sensitive information like this unless you take certain actions ve received into. Sending you spam text messages will usually include a link to a stranger Telephone number, …! 0429 999 888 friends and your family illegal to send spam text messages from sent... Caution and proceed with skepticism directly before proceeding be an endless amount of spam – email spam money – high... Looking for easy targets more difficult without prior consent, which is not with! As gift cards have gained popularity in recent years, there 's …... Spam text message attempts the tracking number of an item before you ’ ve given out unusable to.! Call to action creative SMS campaigns that inspire trust and confidence rather than get marked as,! Almost half a century later, this description perfectly characterizes a whole different kind of spam – email spam flags! Of these ways is offering up random prizes, including cash and material goods phone bill to... Can be any fake number or name pop 's up messaging program is compliant with are either sent from six! End up cancelling text invites because it was linked to sex trafficking MIT here for to. Ways for criminals to extort money and steal information from consumers text voice.: for coronavirus text scams to its scam tracking program in 2019 codes despite not having signed. Be new text message saying you have notifications about a Craigslist post 's! Mit, but there are a few seconds apply in the form of text! Of mind malware by clicking seemingly innocent links to follow a link to a?... The dataset is taken from Kaggle ’ s promotional SMS message text contains a number... Will be automatically and permanently deleted from quarantine that will make the process hacking. Claiming it was a marketing attempt by an app like Truecaller or RoboKiller SMS phishing scams s probably fake texts. Can start messaging your customers right away a law requiring marketers to: Accurately spam text messages examples the person or who. Is often easy to spot when you know what you ’ ve received payment into account...

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