Episodes

  • Exclusive Q&A with ART’s Chief Investment Officer – How we invest $300 billion in superannuation

    Exclusive Q&A with ART’s Chief Investment Officer – How we invest $300 billion in superannuation
    Nov 10 2024
    In the lead up to our Annual Members’ Meeting this month host Anne Fuchs sits down with ART's Chief Investment Officer, Ian Patrick, to answer questions about how members’ super is invested. Managing billions of dollars in assets is no small talk, and Ian reveals the careful decisions ART makes to protect members’ financial wellbeing and deliver long-term returns. They cover everything from responsible environmental, social and governance (ESG) investing to managing risk when the markets get rocky. All while keeping one goal in mind – helping our members achieve their best retirement. Here are the specifics: 00:00 How we invest $300 billion 02:06 What does great investing look like? 05:40 Why have returns differed between QSuper and Super Savings? 07:43 What other asset classes are driving returns? 09:08 What is the default investment strategy for retired members? 11:17 What’s ART’s approach to environmental, social and governance (ESG) investing? 14:47 What’s ART’s strategy around investing in gold? 15:57 What is ART doing to protect members’ money? 17:38 How does ART protect against currency movements? 19:27 What’s ART’s role in supporting Australia’s social responsibilities? This episode simplifies investment strategies, showing how ART protects and grows money. Whether you’re a member with us, or considering switching, it’s a must-listen to learn more about our strategic future focus. Stay updated with the latest episodes. Subscribe to Super Insider wherever you get your podcasts. And never miss an episode as we help you get the most from your super. FOLLOW SUPER INSIDER  Apple Podcasts - https://podcasts.apple.com/au/podcast...  Spotify - https://open.spotify.com/show/1aXYHWZ...   RECOMMENDATIONS  Investing in super https://www.australianretirementtrust.com.au/investments/options Sustainable investing https://www.australianretirementtrust.com.au/investments/how-we-invest/sustainable-investing https://www.australianretirementtrust.com.au/investments/how-we-invest/sustainable-investing IF YOU LIKED THIS EPISODE YOU MAY LIKE  The strategy behind super returns Our top 10 retirement questions answered WE’D LOVE TO HEAR FROM YOU!    If you have any feedback, or topics you want us to cover in upcoming episodes, just drop us an email at podcast@art.com.au. Thank you!   CREDITS   Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education Ian Patrick, Australian Retirement Trust Chief Investment Officer Past performance is not a reliable indication of future performance. The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing. This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser. This information and all products are issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975) (‘Trustee’), trustee of Australian Retirement Trust (ABN 60 905 115 063) (‘the Fund’ or ‘ART’). Any advice given is by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid.
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    23 mins
  • Game-changing superannuation tips for couples

    Game-changing superannuation tips for couples
    Nov 3 2024
    Are you looking forward to your retirement? If you’re part of a couple, sharing your superannuation could be a game-changer, with potential tax benefits and earlier access to funds. Which means you may be able to retire sooner. It’s an exciting opportunity to improve your lifestyle in retirement. If you tick all the boxes for the ATO to call you a ‘spouse’, you and your partner can share money in your super accounts. Listen in and you’ll learn: 01:33 Why can’t my spouse and I have one combined super account? 02:35 What are the benefits of sharing super? 03:40 What is a spouse contribution? 04:34 How does spouse super splitting work? 05:13 How much super can I share? 06:32 Super sharing strategies 08:23 Maximising Age Pension, if you have an age gap 09:33 Transfer balance cap strategies 10:49 Carry-forward rule strategies 12:10 Recontribution strategies 13:10 What happens to my super if I separate or divorce? Jump in and listen now. But just before you do, we’d love to invite you into our Super Insider community. Subscribing to Super Insider today means you’ll never miss an episode. And it’ll help us make the podcast even more valuable for you. The links to subscribe are below ⬇️⬇️. We hope you enjoy the episode. FOLLOW SUPER INSIDER Spotify - https://open.spotify.com/show/1aXYHWZ... Apple Podcasts - https://podcasts.apple.com/au/podcast... RECOMMENDATIONS Spouse Contributions https://www.australianretirementtrust.com.au/superannuation/contributions/voluntary/spouse Retirement Calculator https://www.australianretirementtrust.com.au/learn/tools/retirement-calculator#/personal-details/about-you IF YOU LIKED THIS EPISODE YOU MAY LIKE How much super you need to retire. And how to get it. https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-3 Super contribution strategies https://www.australianretirementtrust.com.au/learn/super-insider-podcast/ep-23 WE’D LOVE TO HEAR FROM YOU! If you have any feedback, or topics you want us to cover in upcoming episodes, just drop us an email at podcast@art.com.au. Thank you! CREDITS  Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education April Smith, Education Specialist Kane Everingham, Team Leader Education Delivery The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing. This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser. This information and all products are issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975) (‘Trustee’), trustee of Australian Retirement Trust (ABN 60 905 115 063) (‘the Fund’ or ‘ART’). Any advice given is by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid.
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    16 mins
  • Expert insights: superannuation and investment returns

    Expert insights: superannuation and investment returns
    Oct 20 2024
    Investing isn’t just about following the market – it’s about having the ability to make the right calls. In this episode, we bring you an inside look at the investment expertise that drives returns for your superannuation savings. Our Head of Investment Strategy, Andrew Fisher, explains how his team builds portfolios that aim to grow retirement savings while managing risk. And how expert decision–making and market insights come together to make sure your retirement savings are working hard for your future. You’ll learn: ✅ How our investment team craft diverse portfolios designed to grow your super over the long term ✅ The strategic choices behind our recent investment returns ✅ How we seek to stay ahead of market changes to maximise opportunities for our members. Whether you’re a member with us, or simply curious about how super funds invest, this episode gives you practical insights into the strategies that aim to grow superannuation savings. Join us and be part of a community that’s focussed on helping you retire well with confidence. Subscribe to Super Insider now by using links below ⬇️.  FOLLOW SUPER INSIDER  Apple Podcasts - https://podcasts.apple.com/au/podcast...  Spotify - https://open.spotify.com/show/1aXYHWZ...   RECOMMENDATIONS  Choosing the right investments for you Australian Retirement Trust new investment options IF YOU LIKED THIS EPISODE YOU MAY LIKE  Invest smarter: Risk vs. returns in superannuation   WE’D LOVE TO HEAR FROM YOU!    If you have any feedback, or topics you want us to cover in upcoming episodes, just drop us an email at podcast@art.com.au. Thank you!     CREDITS   Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education Andrew Fisher, Australian Retirement Trust Head of Investment Strategy Past performance is not a reliable indication of future performance. SuperRatings Fund Crediting Rate Survey Growth (77-90) category June 2024. The Growth category represents diversified investment options with a growth assets ratio between 77% and 90%. Option returns for Sunsuper for life Growth to 28 February 2022, then Super Savings Growth up to 30 June 2024. Default option is Lifecycle Investment Strategy. Option returns will differ for individuals. The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing. This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser. This information and all products are issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975) (‘Trustee’), trustee of Australian Retirement Trust (ABN 60 905 115 063) (‘the Fund’ or ‘ART’). Any advice given is by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid.
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    18 mins
  • Ready to retire? Understand your superannuation options at retirement

    Ready to retire? Understand your superannuation options at retirement
    Oct 7 2024
    Do you know how you’ll set up your finances once you’ve stopped working full time? If you want to understand your options at retirement and how to access your super, this Super Insider episode has been made for you. It’s one of our popular Q&A sessions where we unpack how to plan for the lifestyle you’ve worked your whole life for. We cover some of our most frequently asked questions like: 0:00 Ready to retire? 1:28 What's the age that I can retire? 3:47 What does preservation age mean? 5:03 How much should I aim to save before I retire? 8:49 How do I start using my super? 13:16 When can I access the Age Pension? 18:33 How will tax affect my income in retirement? 19:46 What's the downsizer super contribution? 22:31 What happens to my super when I pass away? Whether you’re winding down work, or are planning to retire soon, this is the episode that will keep you on track. Join our community of people keen to live their best retirement. Because the more you know about super, the more you can plan for your future. Subscribe to Super Insider now with the links below ⬇️. FOLLOW SUPER INSIDER Apple Podcasts - https://podcasts.apple.com/au/podcast... Spotify - https://open.spotify.com/show/1aXYHWZ... RECOMMENDATIONS For guidance on super balances and retirement planning How much super do I need? For information on Age Pension eligibility and rules Age Pension Services Australia IF YOU LIKED THIS EPISODE YOU MAY LIKE Transition to Retirement – your guide to accessing your super while still at work  What happens to super when you die? WE’D LOVE TO HEAR FROM YOU! If you found this episode helpful, drop us a comment and let us know the topics or questions you’d like us to cover next. Or email us at podcast@art.com.au. Thank you! CREDITS  Ruth Weaver, Australian Retirement Trust Education Manager Adele Fisk, Australian Retirement Trust Financial Adviser The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing. This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser. This information and all products are issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975) (‘Trustee’), trustee of Australian Retirement Trust (ABN 60 905 115 063) (‘the Fund’ or ‘ART’). Any advice given is by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid. Any information given by the guest speaker is provided as general information only and not financial advice.
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    26 mins
  • Age Pension Australia – understand the rules and how to qualify

    Age Pension Australia – understand the rules and how to qualify
    Sep 23 2024
    Ever wondered how the Age Pension works and how you qualify? In this episode, host Anne Fuchs sits down with Justin Bott from Services Australia to break down everything you need to know. Tune in to learn: the rules for eligibility how Age Pension payments are calculated what income and assets are counted how to claim through Services Australia what to do if your circumstances change. Whether you’re close to retirement, or just starting to think about it, this episode offers useful tips and insights to help you navigate retirement planning with confidence. FOLLOW SUPER INSIDER   Apple Podcasts - https://podcasts.apple.com/au/podcast...   Spotify - https://open.spotify.com/show/1aXYHWZ...    RECOMMENDATIONS   How the Age Pension and super work together How much Age Pension can you get? IF YOU LIKED THIS EPISODE YOU MAY LIKE   Income in retirement: how to access your superannuation Is financial advice worth it? WE’D LOVE TO HEAR FROM YOU!    If you have any feedback, or topics you want us to cover in upcoming episodes, just drop us an email at podcast@art.com.au. Thank you!     CREDITS    Anne Fuchs, Australian Retirement Trust Executive General Manager Advice, Guidance and Education   Justin Bott, Services Australia Customer Information Officer   The opinions and comments shared by people in this podcast are theirs alone, and they’re not necessarily shared by the Trustee. It uses information that’s accurate at the time of publishing. This is general information only. It’s not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you’re still not sure, talk with a financial adviser. This information and all products are issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975) (‘Trustee’), trustee of Australian Retirement Trust (ABN 60 905 115 063) (‘the Fund’ or ‘ART’). Any advice given is by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they’re paid. Any information given by the guest speaker is provided as general information only and not financial advice.  
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    20 mins
  • What's ahead for your superannuation returns: Economist exclusive

    What's ahead for your superannuation returns: Economist exclusive
    Sep 1 2024
    In this episode, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education, Anne Fuchs, and Chief Economist, Brian Parker, explore how global economic trends affect your superannuation and retirement plans. They cover: Why super funds have Chief Economists and their role in managing your retirement savings How economic trends and global events are impacting your super returns How rising inflation impacts your retirement savings, and how it’s managed The long-term economic trends that influence your investment returns How changing demographics and economic volatility shape retirement planning. Join us, and our community of people keen to live their best retirement life, by subscribing to Super Insider now. Because the more you know about super, the more you can plan for your future. FOLLOW SUPER INSIDER Apple Podcasts - https://podcasts.apple.com/au/podcast... Spotify - https://open.spotify.com/show/1aXYHWZ... RECOMMENDATIONS Australian Retirement Trust’s new investment options menu https://www.australianretirementtrust.com.au/investments/options IF YOU LIKED THIS EPISODE YOU MAY LIKE Retire earlier: superannuation contribution strategies Is your superannuation on track – 6 steps to awaken your super WE’D LOVE TO HEAR FROM YOU! If you have any feedback, or topics you want us to cover in upcoming episodes, just drop us an email at podcast@art.com.au. Thank you! CREDITS Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education Brian Parker, Australian Retirement Trust Chief Economist Past performance is not a reliable indication of future performance. SuperRatings Fund Crediting Rate Survey Growth (77-90) category June 2024. The Growth category represents diversified investment options with a growth assets ratio between 77% and 90%. Option returns for Sunsuper for life Growth to 28 February 2022, then Super Savings Growth up to 30 June 2024. Default option is Lifecycle Investment Strategy. Option returns will differ for individuals. This content is provided for general information and educational purposes only, any personal views and opinions in this podcast are not necessarily the views of Australian Retirement Trust ABN 60 905 115 063 (Fund or ART), Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975 as the trustee (Trustee) of the Fund, Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) (SFS) or QInvest Limited (ABN 35 063 511 580, AFSL 238274) (QIL). This general information does not take into account the investment objectives, financial situation or needs of any particular individual. Any advice given is provided by representatives of SFS or QIL, both wholly owned by the Trustee as an asset of ART. As representatives, they may recommend ART superannuation products when they are appropriate. Please refer to the relevant Financial Service Guides available at art.com.au/fsg for Super Savings and at qsuper.com.au/disclosure for QSuper. This information and the relevant products are issued by the Trustee of the Fund. While every effort is made to ensure the accuracy of the information presented in the content, to the extent the law permits, SFS, QIL, ART or the Trustee will not assume liability to any person for any error or omission in the content however caused. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/disclosure or call us on 1300 360 750 for a copy.
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    14 mins
  • Invest smarter - Risk vs. reward in superannuation

    Invest smarter - Risk vs. reward in superannuation
    Aug 20 2024
    On the show we’re peeking behind the curtain of our super investment team to see how they look after members’ money. Join our host Anne Fuchs and Australian Retirement Trust’s Head of Investment Strategy and Head of Private Corporate Assets as they talk portfolios, investment decisions and the Covid-fuelled rise of the ‘meme stock’. Listen to learn 🧑‍🏫: why diversifying investments is important how volatility and risk are different why asset classes have different risk profiles how innovation can fuel investment opportunities Join our community of people keen to live their best retirement lives. Because the more you know about super, the more you can plan for your future. Subscribe to Super Insider now with the links below ⬇️. FOLLOW SUPER INSIDER Apple Podcasts - https://podcasts.apple.com/au/podcast... Spotify - https://open.spotify.com/show/1aXYHWZ... RECOMMENDATIONS Australian Retirement Trust Risk profile quiz https://www.australianretirementtrust.com.au/learn/tools/risk-profile-quiz Australian Retirement Trust’s new investment options menu https://www.australianretirementtrust.com.au/investments/options Past performance is not a reliable indicator of future performance. This content is provided for general information and educational purposes only, any personal views and opinions in this podcast are not necessarily the views of Australian Retirement Trust ABN 60 905 115 063 (Fund or ART), Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975 as the trustee (Trustee) of the Fund, Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) (SFS) or QInvest Limited (ABN 35 063 511 580, AFSL 238274) (QIL). This general information does not take into account the investment objectives, financial situation or needs of any particular individual. Any advice given is provided by representatives of SFS or QIL, both wholly owned by the Trustee as an asset of ART. As representatives, they may recommend ART superannuation products when they are appropriate. Please refer to the relevant Financial Service Guides available at art.com.au/fsg for Super Savings and at qsuper.com.au/disclosure for QSuper. This information and the relevant products are issued by the Trustee of the Fund. While every effort is made to ensure the accuracy of the information presented in the content, to the extent the law permits, SFS, QIL, ART or the Trustee will not assume liability to any person for any error or omission in the content however caused. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/disclosure or call us on 1300 360 750 for a copy.
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    24 mins
  • Is financial advice worth it? The power of planning for retirement

    Is financial advice worth it? The power of planning for retirement
    Jul 29 2024
    In this insightful episode of Super Insider we deep dive into the world of financial advice and retirement planning with Garth Collingwood from River City Financial Planning. Join host Anne Fuchs as she chats with Garth about the most common concerns and misconceptions around professional financial advice. Highlights The number one question Garth gets asked and why the answer isn’t one-size-fits-all. Why financial advice is for everyone, regardless of wealth. The truth about the cost of financial planning. Tips for how to approach retirement with confidence, even if you’re feeling overwhelmed. GET IN TOUCH: We’d love your feedback for our podcast including any topics or questions you’d like us to cover in future episodes. Please email us at podcast@art.com.au RECOMMENDATIONS What types of financial advice are there? https://www.australianretirementtrust.com.au/advice/options To find a financial adviser who offers the right service for you Financial Advice Association Australia. For tips on working with a financial adviser FOLLOW SUPER INSIDER Apple Podcasts - https://podcasts.apple.com/au/podcast... Spotify - https://open.spotify.com/show/1aXYHWZ... CREDITS Host: Anne Fuchs, Australian Retirement Trust Executive General Manager of Advice, Guidance and Education. Guest: Garth Collingwood, River City Financial Planning Principal and Senior Financial Planner. Any advice given by Australian Retirement Trust is provided by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee as an asset of Australian Retirement Trust. As representatives, they may recommend ART superannuation products when they are appropriate. Please refer to the relevant Financial Service Guides available at art.com.au/fsg for Super Savings and at qsuper.com.au/disclosure for QSuper. If you need financial advice about more than just your super, we may refer you to an accredited external financial adviser. Advice of this nature may incur a fee. You can find out more about financial advice options at https://www.australianretirementtrust.com.au/advice/options. Australian Retirement Trust has established a panel of accredited external financial advisers who are not employees in the Australian Retirement Trust group. Australian Retirement Trust is not responsible for the advice provided by these advisers and does not receive or pay any referral fees. These advisers will explain to you how their advice fees are determined. Any advice given by the guest speaker is provided in their role as the authorised representative of Fintegrity Wealth Advisers Pty Ltd (ABN 89 653 321 487, AFSL 534971). The content is provided for general information and educational purposes only, any personal views and opinions in this podcast are not necessarily the views of the Trustee of Australian Retirement Trust. This information and all products are issued by Australian Retirement Trust Pty Ltd ABN 88 010 720 840 AFSL No. 228975, trustee of Australian Retirement Trust ABN 60 905 115 063. Any reference to “QSuper” is a reference to the Government Division of the Fund. Information is correct at the time of publishing. This is general information only and does not take into account the investment objectives, financial situation or needs of any particular individual. You should consider if the information is appropriate to your own circumstances before acting on it. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product and also the relevant Target Market Determination (TMD). For a copy of the PDS or TMD, please phone 13 11 84 or go to the Australian Retirement Trust website at art.com.au/pds or for QSuper products visit qsuper.qld.gov.au/pds or call us on 1300 360 750 for a copy.
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    18 mins