StanCorp Financial Group, Inc. (“StanCorp” or the “Company”)
(NYSE:SFG) today reported net income of $55.2 million, or $1.28 per
diluted share for the third quarter of 2015, compared to net income
of $69.8 million, or $1.62 per diluted share for the third quarter
of 2014. After-tax net capital losses were $3.9 million for the
third quarter of 2015, compared to after-tax net capital losses of
$3.0 million for the third quarter of 2014.
Operating expenses for the third quarter of 2015 reflected
expenses associated with business growth and an additional $3.0
million of after-tax expenses, or $0.07 per diluted share, related
to the proposed merger with Meiji Yasuda Life Insurance Company
(“Meiji Yasuda”) (see Agreement and Plan of Merger with Meiji
Yasuda section below).
Net income excluding after-tax merger related expenses and
after-tax net capital losses was $1.44 per diluted share for the
third quarter of 2015, compared to $1.69 per diluted share for the
third quarter of 2014 (see discussion of non-GAAP financial
measures below). The decrease was primarily due to comparatively
less favorable claims experience in Employee Benefits, higher
operating expenses and higher commissions and bonuses in Employee
Benefits, partially offset by higher premiums in Employee Benefits
and more favorable claims experience in Individual Disability for
the third quarter of 2015.
“Our businesses continued to report excellent results through
the first three quarters of 2015, which included increased sales
and premium growth combined with favorable claims experience in
Insurance Services, and strong earnings in our Asset Management
segment,” said Greg Ness, chairman, president and chief executive
officer.
Year-to-Date
Net income was $176.0 million, or $4.11 per diluted share for
the first nine months of 2015, compared to $158.7 million, or $3.63
per diluted share for the first nine months of 2014. After-tax net
capital losses were $9.6 million for the first nine months of 2015,
compared to $3.4 million for the first nine months of 2014.
Operating expenses for the first nine months of 2015 reflected
expenses associated with business growth and an additional $5.2
million of after-tax expenses, or $0.12 per diluted share, related
to the proposed merger with Meiji Yasuda.
Net income excluding after-tax merger related expenses and
after-tax net capital losses was $4.45 per diluted share for the
first nine months of 2015, compared to $3.71 per diluted share for
the first nine months of 2014. The increase was primarily due to
more favorable claims experience and higher premiums in Employee
Benefits and Individual Disability, partially offset by higher
operating expenses and higher commissions and bonuses for the first
nine months of 2015.
Agreement and Plan of Merger with Meiji Yasuda
On July 23, 2015, the Company and Meiji Yasuda announced that
they have entered into a definitive agreement under which Meiji
Yasuda will acquire all outstanding shares of StanCorp for $115.00
per share in cash (the “Merger Agreement”). The joint press release
can be found on the Company’s investor relations website at
www.stancorpfinancial.com.
The Company expects the merger to close in the first quarter of
2016. Completion of the merger remains subject to various closing
conditions, including, but not limited to, approval by the
Company’s shareholders, regulatory approvals in Japan and the U.S.,
and other customary closing conditions. On September 16, 2015, the
waiting period under the Hart-Scott-Rodino Antitrust improvements
Act of 1976, as amended, terminated, pursuant to a grant of early
termination. On September 21, 2015, the Company filed a Definitive
Proxy Statement with the Securities and Exchange Commission and
provided notice of the special meeting of shareholders to be held
on Monday, November 9, 2015. At the meeting, shareholders will vote
upon a proposal to approve the Merger Agreement and other related
matters.
Business Segments
Insurance Services
Insurance Services reported income before income taxes of $77.4
million for the third quarter of 2015, compared to $93.6 million
for the third quarter of 2014. The decrease was primarily due to
comparatively less favorable claims experience in Employee
Benefits, higher operating expenses and higher commissions and
bonuses in Employee Benefits, partially offset by higher premiums
in Employee Benefits and more favorable claims experience in
Individual Disability. The higher operating expenses and higher
commissions and bonuses reflected higher premiums and sales in
Employee Benefits.
Employee Benefits
Employee Benefits reported income before income taxes of $60.0
million for the third quarter of 2015, compared to $81.1 million
for the third quarter of 2014. The decrease was primarily due to
less favorable claims experience and higher commissions and
bonuses, partially offset by higher premiums.
Employee Benefits premiums increased 7.1% to $486.2 million for
the third quarter of 2015 from $453.9 million for the third quarter
of 2014. The increase was primarily due to higher sales in the
first nine months of 2015 and favorable retention of existing
customers.
Employee Benefits annualized new sales were $67.6 million for
the third quarter of 2015, compared to $52.8 million for the third
quarter of 2014. The increase in sales for the third quarter of
2015 reflected an increase in proposal activity.
The benefit ratio for Employee Benefits, measured as benefits to
policyholders and interest credited as a percentage of premiums,
was 75.2% for the third quarter of 2015, compared to a historically
low benefit ratio of 70.9% for the third quarter of 2014. The
benefit ratio can fluctuate widely from quarter to quarter and
tends to be more stable when measured on an annual basis. The
benefit ratio for Employee Benefits was 76.7% for the first nine
months of 2015, compared to 78.0% for the first nine months of
2014.
The Company’s discount rate used for newly established long term
disability claim reserves was 4.00% for the third quarters of 2015
and 2014.
The Company’s new money investment rate was 4.49% for the third
quarter of 2015, compared to 4.41% for the third quarter of 2014.
The 12-month reserve interest margin between the Company’s new
money investment rate and the average reserve discount rate was 49
basis points for the third quarter of 2015, compared to 56 basis
points for the third quarter of 2014.
Individual Disability
Individual Disability reported income before income taxes of
$17.4 million for the third quarter of 2015, compared to $12.5
million for the third quarter of 2014. The increase was primarily
due to more favorable claims experience.
Individual Disability premiums were $51.5 million for the third
quarter of 2015, compared to $50.3 million for the third quarter of
2014. The increase was primarily due to higher annualized new sales
for the first nine months of 2015 and favorable retention of
existing customers.
The benefit ratio for Individual Disability was 59.0% for the
third quarter of 2015, compared to 67.8% for the third quarter of
2014. The benefit ratio can fluctuate widely on a quarterly basis
and tends to be more stable when measured on an annual basis.
Asset Management
Asset Management reported income before income taxes of $19.0
million for the third quarter of 2015, compared to $20.8 million
for the third quarter of 2014. The decrease was primarily due to
reserve increases for the third quarter of 2015 reflecting an
adjustment of $5.2 million related to changes in mortality and
interest rate assumptions in individual annuities, partially offset
by an increase in commercial mortgage loan prepayment fee revenues
and bond call premiums. Commercial mortgage loan prepayment fee
revenues and bond call premiums added $5.2 million of income before
income taxes for the third quarter of 2015 compared to $2.7 million
for the third quarter of 2014.
Assets under administration, which include assets related to
retirement plans, individual fixed annuities and commercial
mortgage loans managed for third-party investors, decreased 2.1% to
$25.42 billion at September 30, 2015 from $25.97 billion at
September 30, 2014, primarily reflecting the sale of the Company’s
private client wealth management business, which included assets
under administration of approximately $850 million.
Commercial mortgage loan originations increased $78.9 million to
$382.4 million for the third quarter of 2015 from $303.5 million
for the third quarter of 2014 due to increased activity in the
commercial real estate market for loans that met the Company’s
underwriting standards.
Other
The Other category includes the return on capital not allocated
to the product segments, holding company expenses, operations of
certain unallocated subsidiaries, interest on debt, unallocated
expenses, net capital gains and losses primarily related to the
disposition or impairment of the Company’s invested assets and
adjustments made in consolidation.
The Other category reported a loss before income taxes of $15.4
million for the third quarter of 2015, compared to a loss before
income taxes of $11.5 million for the third quarter of 2014. Net
capital losses were $6.2 million for the third quarter of 2015,
compared to net capital losses of $4.7 million for the third
quarter of 2014. The loss before income taxes excluding net capital
losses was $9.2 million for the third quarter of 2015, compared to
$6.8 million for the third quarter of 2014. The increase in the
loss before income taxes excluding net capital losses, was
primarily due to an increase in operating expenses related to the
proposed merger with Meiji Yasuda.
Cash and Investments
At September 30, 2015, the Company’s total cash and investments
consisted of 56.2% fixed maturity securities, 39.2% commercial
mortgage loans, 2.3% cash and cash equivalents, and 2.3% real
estate and other invested assets. The overall weighted-average
credit rating of the fixed maturity securities portfolio was A-
(Standard & Poor’s) at September 30, 2015.
At September 30, 2015, commercial mortgage loans in the
Company’s investment portfolio totaled $5.55 billion on
approximately 6,500 commercial mortgage loans. The average loan
balance retained by the Company in the portfolio was approximately
$0.8 million at September 30, 2015. Commercial mortgage loans more
than 60 days delinquent were 0.06% and 0.19% of the portfolio
balance at September 30, 2015 and 2014, respectively.
Book Value
The Company’s book value per share increased 1.0% to $53.66 at
September 30, 2015 from $53.11 at September 30, 2014. Accumulated
other comprehensive income (“AOCI”) decreased $152.0 million to
$36.7 million at September 30, 2015 from $188.7 million at
September 30, 2014, primarily due to a decrease in net unrealized
gains in the Company’s fixed maturity securities portfolio as a
result of an increase in market interest rates and adjustments
recorded for the Company’s retirement plans in the fourth quarter
of 2014. The Company’s book value per share excluding AOCI
increased 8.5% to $52.79 at September 30, 2015 from $48.66 at
September 30, 2014 (see discussion of non-GAAP financial measures
below).
Capital Management
Share Repurchases
The Company did not repurchase shares in the third quarter of
2015 and does not anticipate further share repurchases pending
completion of the merger with Meiji Yasuda.
Shareholder Dividend
As permitted by the Merger Agreement, on October 21, 2015 the
Company announced that the Board of Directors declared an annual
cash dividend of $1.40 per share, payable November 30, 2015 to
shareholders of record at the close of business on November 10,
2015. The annual cash dividend of $1.40 per share represents a 7.7%
increase over the dividend of $1.30 per share paid in 2014.
Available Capital
The Company’s available capital was approximately $640 million
at September 30, 2015, compared to $590 million at June 30, 2015.
The $50 million increase was primarily due to income from the
Company’s statutory insurance subsidiaries, partially offset by
allocations for expected annual shareholder dividends and interest
for the third quarter of 2015. Available capital includes capital
at its statutory insurance subsidiaries in excess of the Company’s
target risk-based capital (“RBC”) ratio of 300% and cash and
capital at the holding company and non-insurance subsidiaries. The
RBC ratio was approximately 440% at September 30, 2015.
Non-GAAP Financial Measures
Financial measures that exclude after-tax merger related
expenses, after-tax net capital gains and losses and AOCI are
non-GAAP (“Generally Accepted Accounting Principles in the United
States”) measures. To provide investors with a broader
understanding of earnings, the Company provides net income per
diluted share excluding after-tax merger related expenses and
after-tax net capital gains and losses, along with the GAAP measure
of net income per diluted share, because merger related expenses
and capital gains and losses are not likely to occur in a stable
pattern.
Net income return on average equity excluding after-tax merger
related expenses and after-tax net capital gains and losses from
net income and AOCI from equity is furnished along with the GAAP
measure of net income return on average equity because management
believes providing both measures gives investors a broader
understanding of net income return on average equity. Measuring net
income return on average equity without AOCI excludes the effect of
market value fluctuations of the Company’s fixed maturity
securities associated with changes in interest rates and other
market data. Management believes that measuring net income return
on average equity without AOCI is important to investors because
the turnover of the Company’s portfolio of fixed maturity
securities may not be such that unrealized gains and losses
reflected in AOCI are ultimately realized. Furthermore, management
believes exclusion of AOCI provides investors with a better measure
of return.
A reconciliation of non-GAAP financial measures to the
comparable GAAP measures is provided in the table below, under
“Unaudited Statistical and Operating Data at or for the Periods
Indicated.”
About StanCorp Financial Group, Inc.
StanCorp Financial Group, Inc., through its subsidiaries
marketed as The Standard — Standard Insurance Company, The Standard
Life Insurance Company of New York, Standard Retirement Services,
StanCorp Mortgage Investors, StanCorp Investment Advisers, StanCorp
Real Estate and StanCorp Equities — is a leading provider of
financial products and services. StanCorp’s subsidiaries offer
group and individual disability insurance, group life and
accidental death and dismemberment insurance, group dental and
group vision insurance, absence management services, retirement
plans products and services, individual annuities, and the
origination and servicing of fixed-rate commercial mortgage loans.
For more information about StanCorp Financial Group, Inc., visit
its investor relations website at www.stancorpfinancial.com.
Conference Call
In light of the Merger Agreement with Meiji Yasuda, the Company
will not hold an investor and analyst conference call to review the
third quarter 2015 results.
Forward-Looking Information
Some of the statements contained in this earnings release,
including estimates, projections, expected operating results,
statements related to business plans, strategies, objectives and
the assumptions upon which those statements are based, are
forward-looking statements within the meaning of the Private
Securities Litigation Reform Act of 1995 and Section 21E of the
Securities Exchange Act. Forward-looking statements also include,
without limitation, any statement that includes words such as
“expects,” “anticipates,” “intends,” “plans,” “believes,”
“estimates,” “seeks,” “will be,” “will continue,” “will likely
result” and similar expressions that are predictive in nature or
that depend on or refer to future events or conditions. The
Company’s forward-looking statements are not guarantees of future
performance and involve uncertainties that are difficult to
predict. They involve risks and uncertainties which may cause
actual results to differ materially from the forward-looking
statements. The risks and uncertainties are detailed in reports
filed by StanCorp with the Securities and Exchange Commission,
including Forms 10-Q and 10-K.
As a provider of financial products and services, the Company’s
actual results of operations may vary significantly in response to
economic trends, interest rates, investment performance, claims
experience, operating expenses and pricing. Given these
uncertainties or circumstances, investors are cautioned not to
place undue reliance on forward-looking statements as a predictor
of future results. The Company assumes no obligation to publicly
update or revise any forward-looking statements including annual
guidance, whether as a result of new information, future events or
otherwise.
The following factors could cause the Company’s results to
differ materially from management expectations suggested by
forward-looking statements:
- Failure to timely complete the merger
with Meiji Yasuda could adversely impact the Company’s stock price,
business, financial condition and results of operations.
- The pendency of the merger and
operating restrictions contained in the Merger Agreement could
adversely affect the Company’s business and operations.
- Shareholder litigation against the
Company, our directors and/or Meiji Yasuda could delay or prevent
the merger and cause the Company to incur significant costs and
expenses.
- Growth of sales, premiums, annuity
deposits, cash flows, assets under administration including
performance of equity investments in the separate account, gross
profits and profitability.
- Availability of capital required to
support business growth and the effective use of capital, including
the ability to achieve financing through debt or equity.
- Changes in liquidity needs and the
liquidity of assets in its investment portfolios, including the
ability to pledge collateral as required.
- Performance of business acquired
through reinsurance or acquisition.
- Changes in financial strength and
credit ratings.
- Changes in the regulatory environment
at the state or federal level.
- Changes in accounting standards,
practices or policies.
- Findings in litigation or other legal
proceedings.
- Intent and ability to hold investments
consistent with its investment strategy.
- Receipt of dividends from, or
contributions to, its subsidiaries.
- Adequacy of the diversification of risk
by product offerings and customer industry, geography and size,
including concentration of risk, especially inherent in group life
products.
- Adequacy of asset-liability
management.
- Events of terrorism, natural disasters
or other catastrophic events, including losses from a disease
pandemic.
- Benefit ratios, including changes in
claims incidence, severity and recovery.
- Levels of customer persistency.
- Adequacy of reserves established for
future policy benefits.
- The effect of changes in interest rates
on reserves, policyholder funds, investment income, bond call
premiums and commercial mortgage loan prepayment fees.
- Levels of employment and wage growth
and the impact of rising benefit costs on employer budgets for
employee benefits.
- Competition from other insurers and
financial services companies, including the ability to
competitively price its products.
- Ability of reinsurers to meet their
obligations.
- Availability, adequacy and pricing of
reinsurance and catastrophe reinsurance coverage and potential
charges incurred.
- Achievement of anticipated levels of
operating expenses.
- Adequacy of diversification of risk
within its fixed maturity securities portfolio by industries,
issuers and maturities.
- Adequacy of diversification of risk
within its commercial mortgage loan portfolio by borrower, property
type and geographic region.
- Credit quality of the holdings in its
investment portfolios.
- The condition of the economy and
expectations for interest rate changes.
- The effect of changing levels of bond
call premiums, commercial mortgage loan prepayment fees and
commercial mortgage loan participation levels on cash flows.
- Experience in delinquency rates or loss
experience in its commercial mortgage loan portfolio.
- Adequacy of commercial mortgage loan
loss allowance.
- Concentration of commercial mortgage
loan assets collateralized in certain states such as
California.
- Environmental liability exposure
resulting from commercial mortgage loan and real estate
investments.
STANCORP FINANCIAL GROUP, INC. UNAUDITED
CONSOLIDATED STATEMENTS OF INCOME (Dollars in
millions—except per share data)
Three Months Ended Nine Months Ended
September 30, September 30, 2015
2014 2015 2014 Revenues:
Premiums: Insurance Services $ 537.7 $ 504.2 $ 1,605.9 $ 1,527.9
Asset Management 0.8 3.1 7.3
8.7 Total premiums 538.5
507.3 1,613.2 1,536.6
Administrative fees: Insurance Services 4.3 3.8 12.5 12.3 Asset
Management 33.3 33.9 100.8 99.2 Other (5.1 ) (4.9 )
(15.0 ) (14.5 ) Total administrative fees 32.5
32.8 98.3 97.0 Net
investment income: Insurance Services 77.9 78.0 234.9 236.0 Asset
Management 69.8 69.4 216.0 211.1 Other 6.0 5.2
15.4 14.2 Total net investment
income 153.7 152.6 466.3
461.3 Net capital losses:
Total other-than-temporary impairment
losses on fixed maturity securities—available-for-sale
(2.9 ) (0.3 ) (4.5 ) (0.4 ) All other net capital losses
(3.3 ) (4.4 ) (10.8 ) (4.9 ) Total net capital
losses (6.2 ) (4.7 ) (15.3 ) (5.3 )
Total revenues 718.5 688.0
2,162.5 2,089.6 Benefits and
expenses: Benefits to policyholders 404.3 360.8 1,207.7 1,188.1
Interest credited 35.4 38.7 117.4 122.8 Operating expenses 127.0
119.9 377.1 348.3 Commissions and bonuses 56.9 53.2 171.0 154.7
Premium taxes 9.8 7.5 28.5 24.7 Interest expense 7.8 7.8 23.3 24.1
Net increase in deferred acquisition
costs, value of business acquired and other intangible assets
(3.7 ) (2.8 ) (10.3 ) (2.0 )
Total benefits and expenses 637.5 585.1
1,914.7 1,860.7 Income (loss)
before income taxes: Insurance Services 77.4 93.6 227.0 197.4 Asset
Management 19.0 20.8 62.9 59.2 Other (15.4 ) (11.5 )
(42.1 ) (27.7 ) Total income before income taxes 81.0
102.9 247.8 228.9 Income taxes 25.8 33.1
71.8 70.2 Net income $
55.2 $ 69.8 $ 176.0 $ 158.7 Net
income per common share: Basic $ 1.30 $ 1.63 $ 4.17 $ 3.66 Diluted
1.28 1.62 4.11 3.63 Weighted-average common shares outstanding:
Basic 42,322,478 42,777,337 42,234,656 43,324,269 Diluted
43,050,050 43,184,170 42,867,985 43,736,832
STANCORP FINANCIAL GROUP, INC. UNAUDITED CONSOLIDATED
BALANCE SHEETS (Dollars in millions)
September 30, December 31,
2015 2014
ASSETS
Investments: Fixed maturity securities—available-for-sale
(amortized cost of $7,699.6 and $7,390.0) $ 7,953.2 $ 7,773.7
Commercial mortgage loans, net 5,547.3 5,321.1 Real estate, net
25.4 37.0 Other invested assets 306.6 301.6
Total investments
13,832.5 13,433.4 Cash and cash equivalents 330.3 251.1 Premiums
and other receivables 141.9 118.4 Accrued investment income 110.4
108.0 Amounts recoverable from reinsurers 995.0 994.2 Deferred
acquisition costs, value of business acquired and other intangible
assets, net 387.7 381.0 Goodwill 36.0 36.0 Property and equipment,
net 85.2 79.3 Other assets 166.0 129.4 Separate account assets
6,797.2 7,179.8 Total assets $ 22,882.2 $
22,710.6
LIABILITIES AND
SHAREHOLDERS’ EQUITY
Liabilities: Future policy benefits and claims $ 5,820.4 $
5,832.3 Other policyholder funds 6,905.5 6,537.8 Deferred tax
liabilities, net 16.7 60.0 Short-term debt 1.2 1.1 Long-term debt
504.8 503.9 Other liabilities 564.4 440.1 Separate account
liabilities 6,797.2 7,179.8 Total liabilities
20,610.2 20,555.0 Commitments and
contingencies Shareholders’ equity: Preferred stock,
100,000,000 shares authorized; none issued --- ---
Common stock, no par, 300,000,000 shares
authorized; 42,342,304 and 42,077,825 shares issued and outstanding
at September 30, 2015 and December 31, 2014, respectively
23.3 5.3 Accumulated other comprehensive income 36.7 114.3 Retained
earnings 2,212.0 2,036.0 Total shareholders'
equity 2,272.0 2,155.6 Total liabilities and
shareholders’ equity $ 22,882.2 $ 22,710.6
STANCORP FINANCIAL GROUP, INC. UNAUDITED STATISTICAL AND
OPERATING DATA AT OR FOR THE PERIODS INDICATED
(Dollars in millions—except per share data)
Three Months Ended Nine
Months Ended September 30, September 30,
2015 2014 2015
2014 Benefit ratio: % of total
revenues: Employee Benefits (including interest credited) 65.9
% 61.6 % 67.2 % 67.7 % Individual Disability 46.8 53.8 38.6 52.8
% of total premiums: Employee Benefits (including interest
credited) 75.2 % 70.9 % 76.7 % 78.0 % Individual Disability 59.0
67.8 49.1 67.1
Reconciliation of non-GAAP financial
measures: Net income $ 55.2 $ 69.8 $ 176.0 $ 158.7 After-tax
merger related expenses* (3.0 ) --- (5.2 ) --- After-tax net
capital losses (3.9 ) (3.0 ) (9.6 )
(3.4 )
Net income excluding after-tax merger
related expenses* and after-tax net capital losses
$ 62.1 $ 72.8 $ 190.8 $ 162.1
Net capital losses $ (6.2 ) $ (4.7 ) $ (15.3 ) $ (5.3 ) Tax benefit
on net capital losses (2.3 ) (1.7 ) (5.7 )
(1.9 ) After-tax net capital losses $ (3.9 ) $ (3.0 ) $ (9.6
) $ (3.4 ) Net income per diluted common share: Net income $
1.28 $ 1.62 $ 4.11 $ 3.63 After-tax merger related expenses* (0.07
) --- (0.12 ) --- After-tax net capital losses (0.09 )
(0.07 ) (0.22 ) (0.08 )
Net income excluding after-tax merger
related expenses* and after-tax net capital losses
$ 1.44 $ 1.69 $ 4.45 $ 3.71
Shareholders' equity $ 2,272.0 $ 2,255.7 Accumulated other
comprehensive income 36.7 188.7
Shareholders' equity excluding accumulated
other comprehensive income
$ 2,235.3 $ 2,067.0 Net income return on
average equity 10.6 % 9.6 %
Net income return on average equity
(excluding accumulated other comprehensive income)
11.0 10.3
Net income return on average equity
(excluding after-tax merger related expenses*, after-tax net
capital losses and accumulated other comprehensive income)
11.9 10.5
Statutory data - insurance subsidiaries:**
Net gain from operations before federal
income taxes and realized capital gains (losses)
$ 85.0 $ 108.9 $ 224.4 $ 207.8
Net gain from operations after federal
income taxes and before realized capital gains (losses)
69.1 80.9 189.6 162.2
September 30, December
31, 2015 2014 Capital and surplus $
1,234.1 $ 1,228.4 Asset valuation reserve 105.2 106.2 *
Represents costs incurred in 2015 related to the proposed merger
with Meiji Yasuda. ** Statutory data represents Standard Insurance
Company and The Standard Life Insurance Company of New York.
View source
version on businesswire.com: http://www.businesswire.com/news/home/20151022006542/en/
StanCorp Financial Group, Inc.Investor Relations and Financial
MediaJeff Hallin, 971-321-6127Vice President, Investor Relations
and Capital Marketsjeff.hallin@standard.comorGeneral MediaBob Speltz,
971-321-3162Senior Director, Public Affairsbob.speltz@standard.com
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