Digital Asset Planning Lawyer in Clifton, Tennessee

Comprehensive Guide to Digital Asset Planning in Clifton

Digital asset planning helps individuals and families in Clifton prepare for the management and transfer of online accounts, cryptocurrencies, digital photos, domain names, and other electronic property. At Jay Johnson Law Firm we focus on creating clear, durable instructions that align with Tennessee law and your personal wishes. Good planning reduces confusion for loved ones, protects sentimental and financial digital property, and ensures access or secure disposition when you cannot act. This introduction outlines what digital asset planning covers and why taking proactive steps now can simplify estate administration and protect privacy for your heirs.

Many people overlook the digital side of their estate because online accounts and digital property can feel intangible, but these assets often hold significant personal and monetary value. Planning addresses practical questions such as who can access online accounts, how passwords and keys are stored, and how digital assets should be distributed or deleted. A thoughtful plan can also address social media memorialization, legacy contact instructions for email, and instructions for handling cryptocurrencies. Addressing these matters in advance reduces delays and disputes during probate or administration and helps preserve your digital legacy according to your preferences.

Why Digital Asset Planning Matters for Clifton Residents

Digital asset planning provides several important benefits for individuals and families in Clifton. It clarifies your intentions for online accounts, reduces the burden on loved ones who might otherwise struggle to locate access or understand your wishes, and helps protect financial and sentimental value stored digitally. Proper planning also reduces the risk of privacy breaches or unauthorized access after incapacity or death by providing secure procedures for transferring credentials. Taking these steps in advance can streamline the estate administration process in Tennessee, minimize conflict, and preserve your digital footprint on terms you control.

About Jay Johnson Law Firm and Our Approach to Digital Asset Planning

Jay Johnson Law Firm serves Tennessee clients from Hendersonville and surrounding areas, offering practical estate planning and probate services that include digital asset planning. Our approach emphasizes clear documents and actionable instructions tailored to each client’s situation. We work with individuals to inventory digital property, draft access authorizations consistent with state law, and integrate digital directions into wills, trusts, and powers of attorney. The goal is to create a plan that is straightforward for loved ones to follow while safeguarding privacy and legal compliance under Tennessee statutes affecting digital assets and electronic records.

Understanding Digital Asset Planning: Key Concepts

Digital asset planning focuses on identifying, organizing, and providing lawful access to a wide variety of online and electronic assets. This includes social media profiles, email accounts, cloud storage, digital photos and videos, online business accounts, domain names, and cryptocurrency wallets. The planning process typically involves creating an inventory of accounts, instructions for access or deletion, and integrating directives into estate planning documents. Because many online service providers have their own policies, a plan should balance service provider rules, privacy concerns, and the legal tools available in Tennessee to achieve your intended result effectively.

A comprehensive approach to digital assets considers both legal authorization and practical access. Legal authorization may come through powers of attorney, trust provisions, or wills, while practical access involves secure password management and clear instructions for digital executors or fiduciaries. Addressing both elements helps ensure that someone authorized under Tennessee law can locate, access, and manage your digital property when needed. Proper documentation also reduces the chance that account providers will deny access or that heirs will face unnecessary delays during probate or administration.

What We Mean by Digital Assets and Planning

Digital assets include any property, information, or rights stored or managed in electronic form. That covers a broad range of items such as online financial accounts, digital media collections, photos and videos stored in the cloud, social media accounts, email, domain names, and cryptocurrency holdings. Digital asset planning creates legal and practical arrangements so those assets are managed, transferred, or deleted according to the owner’s wishes. The plan typically involves inventorying assets, assigning responsibilities to fiduciaries, and documenting clear instructions that align with applicable laws and terms of service for each platform.

Key Elements and Steps in Digital Asset Planning

A thorough digital asset plan includes several components: an inventory of accounts and digital property, instructions for access or disposition, secure storage of credentials or keys, and legal authorization within estate documents. The process begins with identifying relevant accounts and assessing their value, then documenting preferences for retention, transfer, memorialization, or deletion. Integrating these directions into wills, trusts, and powers of attorney produces legal backing, while choosing trustworthy fiduciaries and using secure methods for storing access information supports practical execution when the time comes.

Digital Asset Planning: Key Terms and Definitions

Understanding common terms helps clients make informed choices for their digital asset plans. A glossary clarifies terms such as fiduciary, digital executor, metadata, access credentials, and blockchain wallet. Clear definitions make it easier to communicate preferences and understand the legal tools used to carry out those preferences in Tennessee. The descriptions that follow explain these concepts in plain language so you can decide how each applies to your digital property and include appropriate instructions in your estate planning documents.

Digital Executor or Digital Fiduciary

A digital executor or digital fiduciary is an individual appointed to carry out instructions regarding a person’s digital assets after incapacity or death. This role may be assigned within a will, trust, or power of attorney and involves locating accounts, accessing digital property where permitted, and following the owner’s documented wishes for preservation, transfer, or deletion. Selecting someone trustworthy who understands online systems and privacy concerns helps ensure that digital affairs are handled respectfully and securely in accordance with your directions and Tennessee law.

Access Credentials and Password Management

Access credentials include usernames, passwords, PINs, private keys, recovery phrases, and any other information needed to sign into or recover digital accounts. Effective password management practices involve secure storage mechanisms and clear instructions so authorized persons can access accounts without exposing credentials publicly. Planning should address how credentials are stored, who may retrieve them, and whether service provider policies or encryption protocols affect access. Balancing accessibility with security is an important part of a responsible digital asset plan.

Blockchain Wallets and Cryptocurrencies

Blockchain wallets store private keys that control access to cryptocurrencies and digital tokens. Because ownership is controlled by cryptographic keys rather than account credentials, access requires preserving and transferring those keys or recovery phrases in a secure and legally effective manner. Digital asset planning for cryptocurrencies should ensure that heirs or fiduciaries have both the legal authority and safe technical access to wallets, while considering how to protect keys from loss, theft, or unauthorized use.

Provider Terms of Service and Legal Limitations

Online service providers have terms of service and privacy policies that may limit how accounts can be accessed or transferred after death. These rules interact with legal instruments and can affect what is practically possible. A thorough plan takes into account provider policies, state law, and available statutory mechanisms to minimize conflicts. Where provider rules prevent certain actions, planning can include alternative instructions such as preserving content, naming contacts, or documenting wishes for memorialization within the bounds of applicable agreements.

Comparing Limited and Comprehensive Digital Asset Approaches

There are different approaches to managing digital assets, ranging from minimal instructions for a few key accounts to a comprehensive plan covering an inventory of assets and integrated legal authorizations. A limited approach might be appropriate for someone with a small number of nonfinancial accounts, while a comprehensive plan suits those with substantial online holdings, business-related accounts, or cryptocurrency. When choosing an approach, consider the complexity of your digital presence, the value of digital property, privacy concerns, and how much guidance you want to leave for those who will carry out your wishes.

When a Targeted Digital Plan Is Appropriate:

Small Number of Nonfinancial Accounts

A limited digital plan can work well when you have only a few personal accounts and no significant financial or business-related digital holdings. In such cases, providing clear access instructions for specific accounts, maintaining a current list of credentials in a secure location, and including brief written preferences in your estate documents may be sufficient. This approach reduces complexity and cost, while still offering guidance that prevents unnecessary delay or uncertainty for family members tasked with managing your online presence.

Low Monetary or Emotional Value of Digital Assets

When digital assets have limited financial or sentimental value, a simpler plan focused on key accounts and clear directives can be adequate. The goal is to avoid overcomplicating estate planning for matters that will not meaningfully affect overall estate administration. Even with low-value assets, though, basic instructions can protect privacy, prevent unauthorized access, and relieve loved ones from guessing your intentions. A short, practical plan can be implemented quickly and updated as circumstances change.

Why a Comprehensive Digital Asset Plan May Be Preferable:

Significant Financial or Business Digital Holdings

If you hold significant financial assets online, operate businesses with digital accounts, or possess valuable domain names or intellectual property hosted electronically, a comprehensive plan is often necessary. Such a plan ensures legal authority and practical access for fiduciaries, addresses tax and transfer concerns, and creates instructions tailored to the complexity of each asset. By addressing both legal authorization and secure handling of credentials, this approach minimizes the risk of lost assets and streamlines administration under Tennessee law.

Extensive Social Media and Cloud-Based Collections

Those with large collections of digital photos, videos, cloud-stored documents, or active social media presences benefit from a comprehensive approach that specifies preservation, distribution, or deletion preferences. This planning helps protect sentimental content and personal privacy while providing clear instructions for memorialization or removal. Comprehensive planning also anticipates potential disputes and provides a structured process for fiduciaries to follow, reducing emotional strain on family members during estate administration and ensuring your digital legacy is handled respectfully.

Benefits of a Comprehensive Digital Asset Strategy

A comprehensive digital asset strategy offers clarity, legal backing, and practical solutions tailored to the range of electronic property you own. It helps prevent loss of access to valuable accounts, ensures financial and sentimental assets are transferred or preserved according to your wishes, and reduces the administrative burden on those handling your estate. By integrating digital instructions into wills, trusts, and powers of attorney, a comprehensive plan aligns your digital directives with overall estate planning goals and Tennessee legal requirements for fiduciary authority.

Beyond access and transfer, a comprehensive plan protects privacy by defining how personal data should be handled and by selecting trustworthy fiduciaries to carry out your instructions. It can also include contingency plans for lost credentials, methods for secure storage of private keys, and step-by-step guidance for dealing with service providers. These elements combine to create a predictable, manageable process that helps loved ones act quickly and confidently during a stressful time, preserving both value and dignity in the handling of your digital affairs.

Clear Legal Authority and Direction

One core benefit of a comprehensive plan is providing clear legal authority for fiduciaries to manage digital assets, reducing friction with service providers and avoiding delays during estate administration. Clear instructions in estate documents nominate who may access or manage accounts, describe desired outcomes, and establish processes for carrying out those wishes. This clarity helps prevent disputes among family members, enables more efficient estate settlement, and gives account holders confidence that their digital property will be handled in accordance with their intentions under Tennessee law.

Protection of Privacy and Personal Data

A comprehensive plan addresses privacy concerns by specifying how personal data should be accessed, used, or deleted and by choosing procedures that minimize unnecessary disclosure. This includes instructions for social media accounts, cloud storage, and email, and may detail steps for securing or destroying sensitive information. By setting clear rules in advance, you help ensure that private communications and personal records are not exposed unnecessarily and that your digital footprint is managed in a way that respects your wishes during and after the administration of your estate.

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Practical Tips for Managing Your Digital Legacy

Start with a secure inventory of accounts and assets

Begin digital asset planning by creating an inventory that lists account names, providers, and the general purpose of each account, without recording sensitive passwords in an insecure way. Note any items of particular financial or sentimental importance and identify where recovery information is stored. A well-organized inventory serves as the foundation for a plan, enabling you to determine which assets need legal authorization, special handling, or secure storage. Keeping this inventory current reduces confusion and helps fiduciaries act more efficiently when required.

Document clear access instructions and legal authorizations

Include explicit instructions in estate documents that address who may access digital accounts, what actions they may take, and how to handle specific types of content. Use powers of attorney, trusts, or will provisions to grant authority to named fiduciaries and ensure consistency with provider terms where possible. Clear written directions reduce uncertainty for family members and service providers and help ensure that your wishes are followed while complying with Tennessee legal standards for fiduciary authority and estate administration.

Use secure storage methods for credentials and keys

Keep private keys, recovery phrases, and password information in secure storage, such as an encrypted password manager or a locked safe, and provide instructions on how an authorized person may access them. Avoid keeping unsecured lists of passwords that could be exposed if devices are lost or stolen. Planning should balance accessibility for appointed fiduciaries with protections against unauthorized access, and should include steps to update storage methods as technology and personal circumstances change.

Reasons to Include Digital Asset Planning in Your Estate Plan

Digital assets are increasingly integral to personal and financial life, and without planning they can be difficult or impossible for others to access. Including digital asset planning in your estate plan provides peace of mind by ensuring your wishes for online accounts and digital property are documented and actionable. This planning reduces the likelihood of account lockouts, unauthorized access, or inadvertent loss of valuable content. It also protects the privacy of communications and minimizes the administrative burden on loved ones during an already stressful time.

Another reason to plan is the evolving landscape of laws and service provider policies that affect how digital accounts are handled after incapacity or death. Addressing digital assets proactively helps align your instructions with current rules and take advantage of legal tools that enable fiduciaries to carry out account management. Planning also allows you to delegate responsibilities to trusted individuals and provide clear guidance on sensitive matters such as memorialization of social media or disposition of cryptocurrency holdings.

Common Situations Where Digital Asset Planning Is Helpful

Digital asset planning is valuable in many common circumstances, such as when individuals have online financial accounts, maintain extensive photo or document archives in the cloud, run businesses with digital accounts, or own cryptocurrencies. It is also important when people want specific instructions for social media memorialization, domain name succession, or distributing digital intellectual property. Planning becomes especially important for those with complex online lives, blended families, or concerns about privacy and identity theft after incapacity or death.

Active Online Financial Accounts or Investments

If you hold online bank accounts, investment accounts, or cryptocurrency wallets, digital asset planning ensures that fiduciaries can access and manage funds as intended. This planning includes documenting where accounts are held, instructing how to transfer or liquidate assets, and providing secure methods for transferring credentials or keys to authorized persons. Proper arrangements reduce the risk of financial loss, ensure timely handling of obligations, and help preserve value for beneficiaries in accordance with your goals and Tennessee legal procedures.

Significant Cloud Storage and Personal Archives

For people with extensive photo, video, or document archives in cloud storage, planning sets out whether these items should be preserved, shared with family members, or deleted. Clear guidance prevents accidental loss of important memories and provides a roadmap for family members who may not know how to access or manage cloud accounts. Integrating these preferences into your estate plan helps protect sentimental value and ensures that digital memories are treated in a way consistent with your wishes.

Social Media Presence and Online Branding

Individuals with active social media profiles or an online brand benefit from instructions on whether accounts should be memorialized, transferred, or removed. Planning can include guidelines for preserving a public legacy, handling communications, or closing accounts to protect privacy. Providing clear preferences reduces confusion for family members and administrators, ensuring that your online presence is managed respectfully and according to your desires.

Jay Johnson

Digital Asset Planning Services for Clifton, Tennessee Residents

Jay Johnson Law Firm provides practical digital asset planning services to residents of Clifton and surrounding Tennessee communities. We help clients create inventories, draft directions for account access and disposition, and integrate digital instructions into wills, trusts, and powers of attorney. Our focus is on producing clear, legally effective documents and secure procedures that protect privacy and make administration straightforward for those you leave in charge. Reach out to discuss how to preserve and manage your digital legacy with care and clarity.

Why Choose Jay Johnson Law Firm for Digital Asset Planning

Jay Johnson Law Firm helps clients address the practical and legal aspects of digital asset planning with a focus on clarity and compliance under Tennessee law. We work with you to inventory digital accounts, identify priorities, and draft instructions that align with your overall estate plan. Our approach aims to balance accessibility for fiduciaries with robust protections for privacy and security, producing documents that reduce ambiguity and promote efficient administration when the time comes.

We recognize that each client’s digital footprint is unique, so our planning process is personalized and pragmatic. We discuss provider policies, technical storage options for credentials and keys, and realistic steps for carrying out directions. The result is a coordinated plan that integrates into your will, trust, or power of attorney and gives your family a clear path forward. Our goal is to make sure your digital assets are handled in accordance with your wishes and protected against common pitfalls.

Working with our firm provides the benefit of coordinated planning that fits within your broader estate strategy. We aim to reduce uncertainty for fiduciaries and to avoid common issues such as inaccessible accounts or privacy breaches. With careful documentation and secure recommended practices for handling credentials, we help clients prepare for both expected and unexpected circumstances, providing continuity and direction for digital assets of all kinds.

Take the Next Step to Protect Your Digital Legacy

How Digital Asset Planning Works at Our Firm

Our process begins with a consultation to understand your online presence and the types of digital assets you hold. We help you compile an inventory, recommend secure methods for storing credentials, and draft legal documents that provide authority and instructions for fiduciaries. We coordinate digital instructions with your will, trust, and power of attorney to create a cohesive plan. After implementation we offer guidance on periodic updates so your plan stays current as accounts and technology change.

Step One: Inventory and Assessment

The first step is to create a comprehensive inventory of digital accounts and assets and assess their importance and legal considerations. We identify accounts with financial value, sentimental content, or business relevance and note provider policies that may affect access. This initial assessment allows us to recommend the appropriate scope of planning and draft instructions tailored to each asset’s characteristics and your wishes.

Collecting Account Information Securely

We guide clients in collecting account information without compromising security, recommending secure password managers or encrypted records rather than unprotected lists. We discuss what metadata should be recorded, where recovery information is stored, and how to document account purposes so fiduciaries can prioritize actions effectively. This careful collection protects sensitive data while ensuring necessary information is available to authorized persons when needed.

Evaluating Provider Policies and Legal Constraints

We review relevant provider terms of service and Tennessee legal frameworks that affect account access and disposition. Understanding these constraints informs the drafting of instructions and legal authorizations so that they are realistic and enforceable. When provider policies limit certain actions, we suggest alternative measures that accomplish your goals within those bounds, such as preservation requests or naming legacy contacts where available.

Step Two: Drafting and Integrating Legal Documents

After the inventory and assessment, we prepare or update estate planning documents to incorporate digital asset instructions. This often includes powers of attorney, trust language, and will provisions that provide fiduciaries with appropriate authority and guidance. The documents specify who may access accounts, what they may do, and how to handle specific assets, creating legal clarity that supports efficient administration and reduces the likelihood of disputes.

Drafting Access and Disposition Instructions

We draft clear instructions tailored to the types of accounts you own, including whether to preserve, transfer, or delete content. The language is designed to be practical and actionable, reducing ambiguity for those charged with implementation. These instructions are integrated into your existing estate plan so that digital asset directives are part of a cohesive overall strategy rather than stand-alone notes that might be overlooked during administration.

Naming Fiduciaries and Backup Contacts

Selecting appropriate fiduciaries and naming backup contacts is an important part of the drafting process. We help you identify individuals who are trustworthy and capable of following technical instructions or coordinating with providers. Naming backups and specifying circumstances for their authority provides redundancy and reduces the risk that accounts will be unmanaged due to one person’s unavailability or incapacity.

Step Three: Implementation and Ongoing Maintenance

Implementation involves executing documents, arranging secure storage for credentials or keys, and communicating essential information to designated fiduciaries as appropriate. Ongoing maintenance ensures the plan remains up to date as accounts change, technology evolves, and life circumstances shift. Regular reviews, password updates, and adjustments to document language help keep the plan effective and aligned with your intentions over time.

Secure Storage and Transmission of Credentials

We recommend secure storage solutions such as encrypted password managers or locked storage for physical recovery phrases and advise on safe transfer protocols for authorized persons. Proper handling reduces the risk of loss or theft and ensures that fiduciaries can access required information when necessary. Clear instructions for retrieval and emergency access further support reliable execution of your digital asset plan.

Periodic Review and Updates

Technology and online accounts change frequently, so periodic reviews of your digital asset plan are important to ensure instructions remain accurate and effective. Updating inventories, revising fiduciary appointments, and confirming storage methods for credentials helps maintain continuity. We encourage clients to schedule reviews after major life events or on a regular cycle to keep digital directives aligned with current needs and provider policies.

Digital Asset Planning Frequently Asked Questions

What types of digital assets should I include in my plan?

Include any online accounts, cloud storage, digital photos and videos, email, social media profiles, domain names, online business accounts, digital intellectual property, and cryptocurrency wallets. Think broadly about any information, credentials, or property that exists in electronic form. Consider both personal items with sentimental value and accounts that contain financial or legal significance. Document the account provider, purpose of the account, and contact or recovery information without storing sensitive credentials in an unsecured format. When compiling your inventory, prioritize items by importance and complexity so fiduciaries know what to address first. Note any accounts tied to business operations, recurring billing, or services that require timely attention. Keeping a clear and organized inventory makes it easier to draft appropriate legal instructions and helps ensure nothing important is overlooked during administration.

Legal access is typically provided through estate planning documents such as powers of attorney, trust provisions, or specific will language that authorizes fiduciaries to manage digital assets. These documents should be drafted to reflect Tennessee law and to address the types of access required. In some cases, additional authorizations or instructions tailored to particular providers can help ensure smoother implementation. Practical access also requires secure methods to share credentials or recovery information with trusted fiduciaries. Use encrypted password managers, sealed physical storage, or other secure means to ensure authorized persons can retrieve necessary access without exposing sensitive data. Combining legal authorization with secure handling of credentials is the most effective approach.

Cryptocurrencies are controlled by private keys or recovery phrases, so planning must address secure storage and lawful transfer of those keys. Because blockchain assets are not recoverable without the keys, it is essential to document where keys are kept and how authorized persons can access them. Consider splitting access or using multi-signature arrangements where appropriate to balance security and transferability. Also include clear instructions in your estate documents that name fiduciaries empowered to manage or transfer cryptocurrency holdings. Work with advisors to ensure tax and transfer implications are considered and to implement secure custody arrangements that match your goals for preservation or disposition.

Yes, you can include instructions for social media accounts in your planning documents, specifying whether accounts should be memorialized, transferred to a manager, preserved for family use, or deleted. Many platforms offer legacy contact options or specific processes; noting your preferences and providing login or access information where legally appropriate helps ensure your wishes are followed. Consider what content you want preserved and who is best positioned to make decisions about public-facing accounts. When preparing social media instructions, account for privacy considerations and recognize that provider policies may limit certain actions. Where applicable, designate a fiduciary with clear authority to act and provide alternative steps should service providers require additional verification or have restrictive policies.

Provider terms of service and privacy policies can limit what actions are permitted after an account holder’s incapacity or death. Some providers allow memorialization or legacy contacts, while others restrict access entirely. Understanding these rules helps shape realistic instructions and may suggest alternative approaches for preserving content or communicating wishes to providers. A comprehensive plan takes provider limitations into account and includes practical solutions such as naming legacy contacts, making preservation requests, or outlining acceptable alternatives. Clear documentation and communication with fiduciaries can reduce the likelihood of conflicts with provider rules and improve the chance that your preferences will be carried out.

Avoid listing passwords directly in wills or other documents that may become public during probate, as this can expose sensitive information. Instead, use secure storage solutions such as encrypted password managers or locked safes and provide instructions on how fiduciaries may access those tools. Estate documents can reference the existence of a secure inventory without revealing passwords in the record. Design your plan so that legal authority and practical access are separate but compatible: a will or trust grants authority, while secure storage mechanisms protect the information needed to exercise that authority. This approach protects privacy and reduces the risk of unauthorized access while ensuring authorized persons can perform their duties.

Choose a digital fiduciary who is trustworthy, reasonably tech-savvy, and willing to take on the responsibilities involved in managing online accounts. Consider naming alternates in case the primary fiduciary is unavailable. The person should understand privacy concerns and be prepared to coordinate with service providers or other family members when necessary. Discuss your choices with the individuals you plan to appoint so they understand the scope of the role and any technical or legal steps they may need to follow. Providing clear written instructions and training on how to access secure storage can ease the transition and improve the likelihood that your wishes will be implemented smoothly.

Review your digital asset inventory whenever you experience a major life change, such as marriage, divorce, a new business venture, relocation, or an inheritance that affects account ownership. Absent major changes, an annual review is a good practice to ensure account lists, password storage, and fiduciary appointments remain current and accurate. Regular updates help avoid surprises during administration and ensure instructions remain practical as technology evolves. During reviews, confirm that recovery information, backup contacts, and storage methods for private keys or passwords are still valid. Adjust legal documents as needed to reflect changes in Tennessee law, service provider policies, or your personal preferences to maintain an effective plan.

Accounts with international providers can involve different terms of service, data protection regimes, and procedural requirements that affect access and transfer. When planning, note any accounts governed by foreign laws and consider whether additional documentation or coordination will be necessary for fiduciaries to act. Identifying these accounts in your inventory helps anticipate potential challenges and plan alternative approaches for preservation or transfer. Working with legal counsel can help clarify cross-border issues and suggest measures to reduce friction, such as consolidating critical assets with providers that offer more straightforward legacy processes or preparing supplementary instructions that address international requirements.

Digital asset planning interacts with probate and estate administration because many online accounts and electronic property may need to be accessed or transferred as part of settling an estate. Including digital instructions in estate planning documents gives fiduciaries the authority to act and can speed the administration process. However, some assets may pass outside probate if held in trust or with designated beneficiaries, so coordinating digital directions with overall estate planning is important. Clear documentation and integrated planning reduce delays, disputes, and lost assets during administration. By aligning digital instructions with your broader estate strategy, you create predictable steps for fiduciaries to follow and help ensure that digital property is handled in accordance with your wishes and legal obligations.

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