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Student finance for transition and retraining – For people already established in the labour market

Student finance for transition and retraining is a new scheme for adults in the labour market who need to broaden their skills to improve their employability. You can now apply for student finance for transition and retraining for studies in Sweden beginning between 1 January and 30 June 2023.

What is student finance for transition and retraining?

Student finance for transition and retraining is a new kind of student finance aimed at adults who have already entered the labour market. Student finance for transition and retraining allows you to study and broaden your skills to improve your employability, either by further developing your expertise within your chosen field, or by starting down a new path.

Student finance for transition and retraining consists of a grant of up 80 per cent of your salary, up to a maximum amount, and a loan that you can use to top up your income, if you are looking to do to. Student finance is available for 44 weeks or longer, should you choose to study part-time.

Student finance for transition and retraining is available for studies in Sweden that starts on 1 January 2023 or later. However, under certain circumstances, you may receive student finance for courses and programmes that have already begun.

CSN is responsible for the new student finance for transition and retraining.

Support from a transition organisation

Student finance for transition and retraining is part of a larger package intended for those who about to take the next step in their professional lives. The package includes transition and retraining and skills support from a transition organisation.

The support offered by the transition organisation can vary depending on the nature of their agreement. As an example, it may include survey interviews, educational and careers guidance, or help validating your knowledge. When you apply for student finance, the transition organisation can inform CSN if the studies will strengthen your position in the labour market. Under some circumstances, students may get an additional collectively agreed study grant.

What is a transition organisation?

Many employers have collective agreement with information about the term and conditions that apply to you as an employee, as well as your rights. Under certain circumstances, you may receive guidance from a transition organisation through the collective agreement if you are dismissed, need skills development, or are about to undergo a career change.

If your employer does not have a collective agreement, or you are self-employed, you can turn to the public transition organisation operated by the Legal, Financial and Administrative Services Agency.

List of transition organisations

Below you will find a list of the transition organisations whose work involves student finance for transition and retraining, and a description of what sector they represent. If you are uncertain of which transition organisation you belong to, ask your manager or contact your HR department. You can also contact your trade union.

If your employer has a collective agreement with a transition organisation not found on the list, you must provide an opinion as to how your planned studies will strengthen your position in the labour market when you apply for student finance for transition and retraining.

Do you not have a collective agreement? Then you belong to the new public transition organisation operated by the Legal, Financial and Administrative Services Agency.

Omställningsfonden (The Transition Fund)

For employees of municipalities, regions, and municipal companies affiliated with Sobona. The contracting parties are the Swedish Association of Local Authorities and Regions (SKR), Sobona, Kommunal, the Public Employees’ Negotiation Council (OFR) and AkademikerAlliansen. www.omstallningsfonden.se

Trygghetsfonden TSL

For workers in the private sector. The contracting parties are the Confederation of Swedish Enterprise and LO. www.tsl.se

TRR Trygghetsrådet

For officials at private companies. The contracting parties are the Confederation of Swedish Enterprise and PTK. Companies affiliated with the Swedish Media Publishers’ Association and IDEA are also included. www.trr.se

The public transition organisation operated by the Legal, Financial and Administrative Services Agency

For people without collective agreement and the self-employed. www.nysteget.se

The public transition organisation operated by the Legal, Financial and Administrative Services Agency cannot provide formal opinons to CSN. You must provide an opinion yourself as to how your planned studies will strengthen your position in the labour market. This opinion is submitted when you apply for student finance for transition and retraining.

The Job Security Foundation

For employees in the public contractual sector. The contracting parties are the Swedish Agency for Government Employers, OFR/S,P,O (Public Employees’ Negotiation Council), Saco-S and SEKO. www.tsn.se

CIKO

For workers and certain officials in civil society, non-profit or cooperative organisations affiliated with Fremia. The contracting parties are Fremia and LO. ciko.se

TRS Trygghetsrådet

For employees in the idea-based sector and civil society organisation, and also the culture sector. The parties are Arbetsgivaralliansen, Swedish Performing Arts Association and PTK. www.trs.se

Kyrkans Trygghetsråd (Church of Sweden’s Employment Security Fund)

For employees of the Church of Sweden. The contracting parties are the Church of Sweden’s employer organisation, Kommunal, Vision, Kyrkans Akademikerförbund, Akademikerförbundet SSR, Jusek, Lärarförbundet (Swedish Teachers’ Union) and “Lärarförbundets och Lärarnas Riksförbunds Samverkansråd”. www.svenskakyrkan.se/kyrkanstrygghetsrad

KFS-företagens Trygghetsfond (KFS Companies’ Employment Security Fund)

For employees at municipally affiliated companies that are owned by municipalities, regions, or privately owned businesses affiliated with Sobona. The contracting parties include Sobona (previously KFS), Kommunal, Vision and Akavia. www.trygghetsfonden.se

Who eligible for student finance for transition and retraining?

In order to be eligible for student finance for transition and retraining, you must meet a number of requirements. Click the headings below for more information about each requirement.

You must be between 27 and 62 years of age

You are eligible for student finance for transition and retraining as of the year you turn 27.

The upper age limit for the grant and the loan differs.

  • You are eligible to receive the grant until the year during which you turn 62, but starting from the year you turn 61, you may only receive the grant for a maximum of 10 weeks.
  • You are eligible to receive the loan until the year you turn 60.

Examples

Ove is 61 years old and will attend a 12-week programme in order to strengthen his position in the labour market. He applies for student finance for transition and retraining for full-time studies. CSN grants him a grant for 10 weeks. He is not eligible for a loan as he is over 60 years of age.

You must have worked for a total of 96 months (8 years) over the past 14 years

In order to be eligible for student finance for transition and retraining, you must be established in the labour market. This means that must have worked for a total of 96 months (8 years) over of the last 14 years prior to your application being received by CSN. Your work must have been your main activity during these 96 months. You are not required to have worked for a single employer for 8 years. If you have worked for multiple employers, this is also acceptable.

On average, you must have worked at least 16 hours every week of every month or had a monthly income of at least SEK 17,750. The income requirement is calculated based on the base income amount for 2022 and is adjusted annually. We check this requirement by obtaining information about your income from the Swedish Tax Agency.

Any employment prior to the year you turned 19 is not included.

Certain remunerations are equated with work. If you received such remuneration for a period of time, this period may be included. You can include a maximum of 24 months. Below you will find a list of the affected remunerations:

  • parental allowance
  • pregnancy benefit
  • benefit for the care of closely related persons
  • rehabilitation cash benefit
  • sickness benefit
  • disease carrier's benefit
  • daily allowance and daily cash benefits for total defence service.

If you have received student grants and loans or education entry grant, you may not include the month during which you received these benefits.

You must have worked for at least 12 out of the last 24 months

You must have active ties in the labour market. This means that you must have worked for at least 12 months out of the last 24 months prior to your application being received by CSN. On average, you must have worked for at least 16 hours every week of every month.

If you have received any of the following remunerations during any month, you may not include said month:

  • parental allowance
  • sickness benefit
  • student finance for transition and retraining
  • daily allowance and daily cash benefits for total defence service.

This means that if you, for example, have been receiving parental allowance for 6 months, the time frame is extended from 24 to 30 months.

The courses or programmes you intend to attend must make you eligible for student finance for transition and retraining

All courses and programmes in Sweden that make you entitled student grants and loans also make you entitled to student finance for transition and retraining. This can for example include courses and programmes at a higher vocational education programme, university, adult education at upper-secondary level (komvux), or folk high school.

Courses and programmes that entitle you to student grants and loans (in Swedish)

Courses and programmes funded by a transition organisation can in some cases make you eligible for student finance for transition and retraining.

Your studies must strengthen your position in the labour market

In order to be eligible for student finance for transition and retraining, your planned studies must strengthen your position in the labour market based on the labour market’s needs.

In other words, there must be a need for manpower, or the skills taught in the course or programme in the labour market. This means that you will normally not receive student finance for transition and retraining for courses or programmes that lead to professions where there is a great deal of competition. In some situations, there may be special circumstances that we may take into consideration. An example of such a circumstance is if there is a shortage of skilled labour in your specific region.

A transition organisation can usually help assess whether your planned studies would strengthen you position in the labour market. They can submit what is known as a Formal opinion to CSN to verify that your planned studies will strengthen your position in the labour market based on the labour market’s needs.

You may not receive student finance for transition and retraining for courses and programmes that should be provided by your employer to help you perform your duties, or courses and programmes only intended to fill a skills need for a specific employer. Additionally, you may not receive student finance for transition and retraining to attend a course or programme you have already finished.

If you are under the age of 40, the studies may not last longer than 80 weeks of full-time studies, or the equivalent amount of time for part-time studies

Until the year you turn 39, the courses or programme may not exceed 80 weeks of full-time studies (around two years). If your studies are part-time, we will recalculate the amount of time based on your study rate. For example, if your study rate is 50 per cent, your studies may not last for more than 160 weeks.

As of the year you turn 40, there are no limitations regarding the length of the courses or programme.

Remember! Regardless of the duration of your studies, you may not receive student finance for transition and retraining for more than 44 weeks of full-time studies, or the equivalent number of weeks for part-time studies.

The studies must include at least 1 week of full-time studies, or the equivalent for part-time studies

Your planned studies must be the equivalent of at least one week of full-time studies.

If your studies are part-time, we will recalculate the amount of time based on your study rate. The weeks do not need to be consecutive; they can be spread out over a longer period of time.

The minimum studies duration based on study rate

Study rate

Minimum study duration

100%

1 week

75%

1.5 weeks

60%

1.75 weeks

50%

2 weeks

40%

2.5 weeks

20%

5 weeks

The minimum allowed study rate is 20 per cent

You may receive student finance for transition and retraining for full-time studies (100 per cent) or part-time studies(75, 60, 50, 40, or 20 per cent).

You may not receive student finance for transition and retraining for more than 44 weeks of full-time studies, or the or the equivalent amount of time for part-time studies

The maximum amount of time during which you can receive student finance for transition and retraining is 44 weeks of full-time studies. This is roughly equivalent to one year of studying.

If you are studying part-time, CSN will recalculate the number of weeks based on your study rate. This means that if you were to, for example, study at a rate of 50 per cent, you would be entitled to 88 weeks of student finance for transition and retraining.

Number of weeks with student finance for transition and retraining based on what percentage level you are receiving student finance

Student finance percentage level

Number of weeks with student finance for transition and retraining

100%

44 weeks

75%

58 weeks

60%

73 weeks

50%

88 weeks

40%

110 weeks

20%

220 weeks


If you want to increase the number of weeks during which you are eligible for student finance for transition and retraining, you can choose to receive student finance at a lower rate than your study rate. For example, your study rate can be 75 per cent, but you receive student finance for transition and retraining at a rate of 40 per cent.

Additional terms and conditions for foreign nationals

If you are a foreign national, you also need to satisfy the conditions in order to be entitled to Swedish student finance.

Study in Sweden as a foreign citizen

Amounts for grants and loans

Student finance for transition and retraining consists of a grant and a loan. You can choose to only take the grant and forgo the loan.

How much you receive through the grant and loan depends on your income. The money is paid monthly in arrears.

Grant – money you will receive

The grant corresponds to 80 per cent of your previous income, up to a maximum amount. For 2023, the maximum grant amount is SEK 5,143 per week before tax. If you earn SEK 27,863 or more per month before tax, you will reach the maximum amount.

The grant is taxable and CSN will deduct preliminary tax before the money is sent. The grant is also pensionable.

Some transition organisations can offer an additional study grant depending on the contents of their collective agreement.

Examples of grant amounts for full-time studies, 2023

Income per month, before tax

Grant for 1 week (before tax)

Grant for 4 weeks (before tax)

SEK 15,000

SEK 2,769

SEK 11,076

SEK 20,000

SEK 3,692

SEK 14,768

SEK 25,000

SEK 4,615

SEK 18,460

SEK 30,000

SEK 5,143

SEK 20,572

SEK 35,000

SEK 5,143

SEK 20,572

SEK 40,000

SEK 5,143

SEK 20,572

SEK 45,000

SEK 5,143

SEK 20,572

SEK 50,000

SEK 5,143

SEK 20,572

Loan – money that you need to pay back

In addition to the grant, you can also take out a student loan for transition and retraining, should you wish to do so. The loan amount is based on your income and is also subject to a maximum amount. For 2023, the maximum loan amount is SEK 12,556 per month.

The idea behind the loan is that you should be able to have approximately the same income after taxes during you studies as you do when you work. The income you get through student finance for transition and retraining can never exceed your salary amount.

We cannot say how much you will be able to borrow until we know the amount you are entitled to through grants. When calculating the amount you are entitled to, we include grants from both CSN and your transition organisation, provided that you are receiving grants from them.

Examples of maximum loan amounts for full-time studies, 2023

Income per month (before tax)

Loan for 1 week (maximum amount)

Loan for 4 weeks (maximum amount)

SEK 15,000

SEK 436

SEK 1,744

SEK 20,000

SEK 581

SEK 2,324

SEK 25,000

SEK 727

SEK 2,908

SEK 30,000

SEK 1,121

SEK 4,484

SEK 35,000

SEK 1,848

SEK 7,392

SEK 40,000

SEK 2,575

SEK 10,300

SEK 45,000

SEK 3,139

SEK 12,556

SEK 50,000

SEK 3,139

SEK 12,556

 

If you are working part-time in addition to studying

You can work part-time while studying with student finance for transition and retraining. There is no limit to how much you can earn while you are receiving student finance for transition and retraining (known as an income limit). However, you may only receive student finance for transition and retraining for the time during which you do not work. This means that if you work at a rate of 50 per cent, you may only receive student finance for transition and retraining at a rate of 50 per cent, even if you are a full-time student (100 per cent).

If you receive other types of grants during your studies

You may not receive other types of social grants while receiving student finance for transition and retraining.

This means that you are not eligible for student finance for transition and retraining while receiving, for example, full allowance from Försäkringskassan. However, if you are receiving a 50 per cent allowance from Försäkringskassan, you are eligible for student finance for transition and retraining at a rate of 50 per cent.

Below are some examples of grants you may not receive while also receiving student finance for transition and retraining:

  • activity support
  • sickness, activity and rehabilitation benefit
  • parental allowance
  • development benefit
  • establishment benefit
  • short-term benefit.

However, if you are receiving income support (social benefits), housing allowance, and child allowance, you may continue to receive these benefits whilst receiving student finance for transition and retraining.

You may not receive student finance for transition and retraining and other forms of student finance at the same time

You may not receive student finance for transition and retraining during the same period as you receive student grants and loans or education entry grants. You may not, for example, receive student finance for transition and retraining at a rate of 50 per cent, and student grants and loans at a rate of 50 per cent in the same week.

You are also not allowed to receive student finance for transition and retraining for periods during which you are also receiving student finance or equivalent student funding from another country.

You may not receive student finance for transition and retraining if you are being paid to study

If you are receiving a wage for your studies, you may not also receive student finance for transition and retraining.

Two application periods per year

There are two application periods per year. When you can apply is determined by when your studies are set to start. You can apply for student finance for transition and retraining for up to one year in a single application. Applications are submitted through “Mina sidor” on csn.se.

Two application periods per year

Earliest application date

For studies starting during the period in question

1 April

1 July–31 December

1 October

1 January–30 June


Every year, CSN receives an amount of money intended for student finance for transition and retraining from the Riksdag. It is divided into two pots – one for civil servants and one for private employees. We grant applications in the order in which we receive them, and as long as there is money available. If you are studying with student finance for transition and retraining, you have priority if you apply again for the same courses or programme.

Checklist for applying

There are a few steps you need to take in order to make the application process as frictionless as possible. Click the different steps to learn more.

Illustration på en dator

1. Plan your studies

Illustration på ett papper som ska symbolisera ett beslut

2. Prepare ahead of submitting your application for student finance for transition and retraining

Illustration som visar Mina sidor

3. Apply through Mina sidor (My Pages) on csn.se

Illustration med en penna och underskrift

4. Wait for CSN to make a decision regarding your application

Illustration som visar två böcker

5. Read through the decision

Illustration på sedlar

6. Submit a study assurance to CSN and ensure that your account is linked to Swedbank’s account register

1. Plan your studies and contact your transition organisation

Here are a few things for you to keep in mind before you apply for student finance for transition and retraining:

  • What courses or programmes do you want to attend?
  • Will the course or programme strengthen your position in the labour market based on market needs?
  • Will you be studying full-time or part-time?
  • Will student finance for transition and retraining be sufficient to last for the full duration of the studies?

Feel free to reach out to your transition organisation (if you have one you can contact) when you are considering beginning studying. They can provide guidance on topics such as work, studies and student finances. They can also provide CSN with a formal opinion regarding your planned studies and how these will strengthen your position in the labour market. See the section titled Formal opinion regarding how your studies will strengthen your position in the labour market for more information.

The support offered by the transition organisation can vary depending on the nature of their agreement.

You can find more information about what a transition organisation does, as well as a list of transition organisations in the section titled Support from a transition organisation.

2. Plan ahead before submitting your application for student finance for transition and retraining

In order to complete your application for student finance for transition and retraining, some information is required, including the following:

  • your employer’s corporate identity number (or your most recent employer’s corporate identity number if you are unemployed)
  • your annual working hours (not required if you are unemployed)
  • your annual income before tax (not required if you are unemployed)
  • any other benefits, such as activity compensation or parental allowance
  • the start and end dates for your studies.

If you are currently studying, your answers should be based on your situation before your studies began.

You will also need to state whether you want to apply for full-time or part-time student finance for transition and retraining. Even if you plan on studying full-time, you can still apply for part-time student finance for transition and retraining if you wish to receive the payments over a longer period of time.

Under certain circumstances, you may not be able to obtain a formal opinion from a transition organisation verifying that your studies will strengthen your position in the labour market. This means that you will have to provide an opinion of your own in your application. See the section titled Formal opinion regarding how your studies will strengthen your position in the labour market for more information.

3. Apply through Mina sidor on csn.se

You can submit your application on Mina sidor on csn.se. You will need an e-ID, such as a mobile BankID, to log in.

4. Wait for CSN to make a decision regarding your application

Since the application opened on 1 October, CSN has received many more applications than expected. Therefore, the waiting time is currently longer than the 10-12 weeks that was originally estimated.

We process the applications in the order in which they are received by CSN. Right now we cannot say how long the waiting time will be.

5. Read through the decision

Read through the decision to ensure that the information is correct. Should you find any inconsistences, please contact us.

6. Submit a study assurance to CSN and ensure that your account is linked to Swedbank’s account register

Submit a study assurance

Before you can receive your first payment, you need to verify that you are going to be studying pursuant to the information in CSN’s decision. This is called submitting a study assurance. You will receive a form for study assurance along with the decision regarding student finance for transition and retraining. You need to sign this form and submit it to CSN when you begin your studies. In some cases, the school also needs to sign the form. Whether or not this is necessary will be written on the form.

CSN must have received your study assurance no later than 30 days after the starting date of your studies with student finance for transition and retraining.

If your study assurance is not received on time, the decision no longer applies. Under special circumstances, CSN can still send the money.

Register your account with Swedbank

In order for us to be able to send the money to your bank account, your account need to be linked to Swedbank’s account register. You do not need to be a customer of Swedbank, you can use any Swedish bank.

You can check whether your account has already been added to the register on Swedbank’s website. You can also use the website to register your account.

Swedbank’s account register (in Swedish)

If you have not registered your account in the account register, we will send a withdrawal slip by post.

Formal opinion regarding how your studies will strengthen your position in the labour market

In order to receive student finance for transition and retraining, you verify that your planned studies will strengthen your position in the labour market. The most efficient way to accomplish this is through a formal opinion from a transition organisation.

If your transition organisation can provide a formal opinon, CSN will request it from them directly when we process your application. This means that you do not need to submit it yourself.

Writing your own opinion if you are unable to obtain a formal opinion

If you are covered by a collective agreement and belong to a transition organisation that does not provide formal opinions to CSN, you need to provide your own opinion as to how your planned studies will strengthen your position in the labour market. This is done directly through your application.

  • Your opinion should be as clear-cut as possible. You can use the questions below for guidance when writing your opinion:
  • Do you need to learn new skills in order to keep up to date with how your professional role has evolved?
  • Do you want to study to transition to a new profession where it will be easier for you to find employment?
  • Are there any other factors that make this course or programme important to your future working life?

How do I know if I need to write my own opinion?

We will only request that you provide a opinion if it is deemed necessary. Based on the answers you provide regarding your transition organisation in your application, we can deduce whether or not you need to provide your own opinion, or if your transition organisation can submit a formal opinion.

Waiting time from application to decision

Since the application opened on 1 October, significantly more people have applied than was expected. Therefore, the waiting time is currently longer than the 10-12 weeks that we had originally anticipated.

We process the applications in the order in which they are received by CSN. Right now we cannot say how long the waiting time will be.

In order for CSN to determine whether you will receive student finance for transition and retraining, we need to collect data from other organisations and government agencies.

Examples of data that CSN acquires from others

In order for CSN to determine whether you will receive student finance for transition and retraining, we need to collect data from other organisations and government agencies.

Below you will find a few examples of data that we need to collect:

  • a formal opinion from your transition organisation that the course or programme in question will strengthen your position in the labour market
  • data from the Swedish Tax Agency regarding your employment for the past 14 years in order to check whether you meet the work requirements
  • data from Försäkringskassan regarding your income in order to calculate how much student finance for transition and retraining you are entitled to
  • data from your transition organisation regarding whether they will be paying out any additional collectively agreed study grant for your studies (if you are applying for a loan).
If you apply more than three months prior to the start of your studies

In order to calculate how much student finance for transition and retraining you are entitled to, we need up-to-date income information. Therefore, we can acquire income data from Försäkringskassan no earlier than three months prior to the start of your studies.

Payment

Student finance for transition and retraining is paid on the 25th of each month of your study period. You will receive the money in arrears.

In order for you to receive the first payment, the following requirements need to be met:

  • You must have started your studies.
  • You must have submitted a study assurance to CSN certifying that you are studying pursuant to the information listed in the decision.
  • The school has informed CSN that you are studying pursuant to the information listed in the decision.

If you receive a decision from CSN after your studies have begun and after the 25th of that same month, we will send the money immediately. We will not wait until the next month.

Required study results

When you study with student finance from CSN, you need to achieve certain study results, i.e. pass a certain number of credits, in order to be entitled to continue receiving student finance. We will check your study results when you apply. The number of credits or courses you need to pass vary depending on what you study. If your study results do not reach the required levels, you may need to retake and achieve a passing grade for the credits or courses that you have failed before you can receive student finance for transition and retraining.

When applying for student finance for transition and retraining for the first time

If you have studied with student grants and loans or education entry grant in the past ten years, we will check your study results from this period when you apply for student finance for transition and retraining for the first time. If you have not achieved a grade of pass for the required number of credits or courses during this period, you may need to retake and achieve a passing grade for a number of credits before you can receive student finance for transition and retraining.

If you have not previously studied with student grants or loans or education entry grant from CSN, or if you did more than ten years ago, we will not check any study results.

If you are reapplying

If you intend to continue studying and apply for continued student finance for transition and retraining, or if you apply for student grants and loans, CSN will check that you have achieved sufficient study results for the period during which you received student finance for transition and retraining.

If anything changes, you become ill, or need to care for a sick child

Do your studies include fewer credits than you had initially planned? Have you interrupted your studies? These are examples of events that could have an impact on your grants and loans. It is therefore important that you report any such changes to us as soon as possible.

Changing circumstances that can have an effect on your student finance for transition and retraining:

  • You rate of study changes, or your studies cover fewer credits.
  • You interrupt your studies.
  • You fall ill or need to care for a sick child.
  • Your number of working hours increase.

If you are a foreign citizen, your right to Swedish student finance will also be affected should your number of working hours decrease or if the number of hours that your relative works decreases.

If somethings happens or circumstances change (in Swedish)

Repaying the loan

Student finance for transition and retraining is the same type of loan as a regular student loan (since 1 July 2001).

When it is time to start making repayments, you will receive a payment plan from CSN. In 2023, the interest rate on the loan is 0,59 per cent.

You start repaying the loan no earlier than six months after receiving your last student finance for transition and retraining payment. Repayment always starts after the end of a year.

Repaying the student loan

If you already have a previous student loan

What rules apply to you if you have previously taken a student loan vary depending on when you took the previous loan. This is because the types of loans have changed over the years.

  • If you have taken a student loan after 2021, the amount you borrow through student finance for transition and retraining will be added to this loan. In other words, you do not get a new loan.
  • If you have taken a student loan before 2022, you will have two different loans. You can then choose to combine the two loans.

When you are studying with student finance for transition and retraining, you will not get a reduction on your previous student loan. This means that you will continue making repayments during your studies. If you have difficulties making repayments, you can apply to pay a reduced amount based on your income.

Updated: 2023-01-01
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