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REcently, during the credit crunch, it has been a lifesaver for many small events owners, as the credit crunch has expunged bank loans as a patronage option for lots of small activities owners. EXplanationyou get a lump sum of cash in dealing for a small fascinate of your business’s future credit card sales. THat means you can get cash now and pay later. ONce you receive your funds, the payback begins. WHen a patron uses his/her credit card to make a attainment a small benefit of the sale goes toward repaying the credit card advance and the rest of the sale goes to you. THis “split” extends to come to pass until the entire advance has been repaid. BEnefitsthe credit card cash advance allows small events owners to get funds much more quickly than other methods of matters financing allow in as little as 10 business days. THe needs are also much looser, approving for a larger portion of small business owners to be eligible to receive these funds. THere is no collateral indispensable and borrowers do not need to have superior credit scores. SEtbacksthe credit card cash advance is limited to sellers, those that operate retail and service sane trades. THis course is due to the method in which the advance is repaid. THis type of affairs financing is also more darling than the bank loan and meant to make a way for those who are ineligible for bank loans for one reason or another. IF you take out cash loans on one credit card that total more than $950 as of april 2016 within the 70 day period before you file your ruin, collapse law imagines that the debt is nondischargeable. IF your credit card company files a a beef for nondischargeability, you will have to overcome that hypothesis. TO do so, you’ll have to prove to the court that you did not intend to defraud the creditor when you took out the cash furthers. GEnerally that means showing that you aimed to repay the debt and that you did not take the money out inasmuch as you could just acquittal the debt in your failure case. EXample 3. ANne was in a lot of debt, but she was carrying it as best she could, but barely. SHe hadn’t paid her car loan in two months. HEr granny died, and she needed to buy plane tickets to go to the funeral. SHe took a cash advance of $1,000 from her credit card to pay for the tickets and for her rental car. WHen she was paid the later week, she paid $50 towards the debt. TWo weeks later, she received a notice that her car was about to be repossessed. ANne quickly filed chapter 13 bust to prevent her car from being taken. THe credit card company filed a nondischargeability action for the cash advance. ANne may might conquer the surmise of fraud by proving that she proposed to repay the debt and did not take the cash advance in anticipation of ruin she made a payment on the debt, and she only filed bust under threat of recuperation. THe counsel donated on this site is not legal advice, does not establish a lawyer referral service, and no advise client or organized affiliation is or will be formed by use of the site. THe advice enumerations on this site are paid counsel advertisement. IN some states, the recommendation on this website may be informed a lawyer citations service. PLease mention the terms of use and the added terms for technical hint related to your state. YOur use of this website constructs assent of the terms of use, supplementary terms, privacy policy and cookie policy.
COgnitive behavioural therapy cbt or ratiocinative emotive therapy self help books availablewill assist you to verbalise your dilemas and grief over the disability to be part of your grandchildren’s lives without the affecting abuse from narc. YOu can change your whereas and emotions aroound this, make your own determinations based on what skills you can develope to deflect hurtful projections and manage to have some relationship with your grandies…. ALl power to you. REmember what they say and do reflects what is about them and not you. YOu might like to imagine a mirror between her and you so whatever hurtful treatment etc is given out bounces back at the narc, and is not embodied into your loving self. YOga can also help that self hardening, centering on the inner nurturer, only responsible for one self and assenting that change comes from within and what is around us just is and not our obligation. HOpe this helps. FRom reading this n what anyone is saying im guessing my ex/lover which he is in my life is at narcissist. HE has been in my life for 3yrs kno. ANd for the 1st yr everyone was ok we had our ups n downs but we worked them thru. HE lost his father n then his friend n then things changed. CHeating, lien, i feel used. I try to leave n get out but i feel lost with out him i don’t kno what to do. I have changed my number 2 times n he txt or calls or email n i fall into it. I changed my n its like a drug to have to talk to him. I dont kno why i even think he can change, it kills me inside. HE don’t see the pain he is causing me. I need help to get out of it n not fall back but i dont know how :im wondering if i had the hoover manuover done on me!I’m sure my ex is a narcissist!I dumped him after another tantrum in which complex me called be police and afterward him blaming me!FOr months he sent love songs, texts even flowers, never had flowers even after our kids were born, no note though with them!OFfered me coffee, takeaways etc etc, then hastily he’s got a girl friend and she’s moved in with him!WOw not even alien her to the kids!THen the random stuff begins, once maybe twice a month a email of nothing but a jar of sweets or whatever else!THen social media, the endless pics of them posing looking so happy!THen the texts telling me he met a famous guy at the weekend!?YEs and ?YOu’ve got a girl friend so why text me?IT’s been 5 mths since then as i ignored everybody he sent me and he’s gone definitely silent!I was wondering if he was trying to fix me or perhaps triangulate?I married him. WAs tired of the roller coaster and wanted it to stop. I thought if i brought stability to his life – agreement, etc. HE’d thrive. 3 l/2 yrs ago. THen the real abuse started. RAther than understand my benefactions – he took advantages of me and escalated his demands. HE threatened to smash in my face, took up with another woman when out of town and i was having surgery, was neglectful, never gave me a dime – had to beg for grocery money – and the kicker. THe last straw… mother’s day and he deliberately refused to own me.

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IT’s repaid flexibly via a pre agreed pct of the affair’ card proceedings, so it will never interrupt your cash flow and there’s no such thing as a late payment. THis is ideal if you run a cyclic event and your cash flow isn’t as strong in the quieter months, as you’ll make repayments chum to your income. INcludes basic specialist helps of funeral administrator and staff, initial hand of departed within a 50 mile radius to funeral home, embalming, other direction of the body, use of furniture for same day viewing and aids at our or other facility, utility vehicle, crematory fee and rental casket see casket price list for description and other options. ADd other stock urn, monument folders, etc. , service hearse use if at church or elect, visitation night prior, admittance room, graveside service, etc. ANd cash furthers medical psychoanalyst agreement fee, necropolis costs, necrologies costs, provision, flowers, clergy and music gifts, death certificates, etc. AS selected or obligatory. INcludes basic specialist helps of funeral manager and staff, initial transfer of died within a 50 mile radius to funeral home, use of furniture for same day monument attending no body present and jobs at our or other appliance, utility vehicle, one private family viewing if desired, basic cardboard alternative chest and crematory fee. ADd other merchandise urn, memorial folders, upgrade in instead instance, etc. , jobs monument call night prior, entrance room, graveside service other day, etc. , and cash proceeds medical therapist approval fee, providing, necropolis costs, obits costs, flowers, clergy and music gifts, death documents, etc. AS selected or requisite. THe winter 2006 issue of supervisory penetrations feature an article that serves as a “field guide”1 to unfair or deceptive acts or practices udaps under section 5 of the federal trade commission act ftc act. AS noted therein, “udaps are not always plain or easily discovered,” making submission and acquiescence control in this grave area exceptionally challenging. 2 to aid conformity consultants in meeting their udap watch tariffs, the fdic’s fork of control and web browser protection dsc, during an 18 month period,3 tested udap issues identified and assayed through the fdic’s inquiry advisory process. 4The primary focus of this article is on the analytics used in gauging an ftc act violation, rather than on actual applies. HOwever, it is critical to note the next about exerts looked specific to overdraft security programs and jobs. THough the fdic has earlier issued tangible guidance relating to unfair or deceptive overdraft protection conducts,5 the most common ftc act breaches discovered by fdic explorers during this 18 month udap survey involved overdraft security charts and services. THe posterior were typical overdraft shield exerts anatomized by explorers and other fdic staff for submission with the ftc act during this period:the criterion for assessing whether an act or meeting is unfair or deceptive are independent of each other. 8 although a meticulous act or meeting may be both unfair and deceptive, an act or custom is forbidden by the ftc act if it is either unfair or deceptive. WHether an act or custom is unfair or deceptive, in each instance, will depend on a careful referring of the adjusted average to the apiece facts and condition. WHat follows is a talk, based on instances from fdic udap study councils conferences, of researches done by fdic staff advisors in reckoning the presence of a transgression of section 5 of the ftc act. THe factor sets of facts in these apiece conferences relate to publicizing and credit card lending. FOr a sketch, omission, or congress to be deceptive under section 5 of the ftc act, it must mislead or be likely to mislead a grazer. THe facts in advertisement advice 1 delineate how a bank used direct marketing to solicit credit card matter. TO entice capacity customers, the bank’s credit card invitations prominently featured a cash back reward program i. E. , use of the credit card would garner cash awards; the greater the card’s use, the greater the rewards. IN appraising whether the bank’s appeal applies were likely to mislead buyers, the coaches checked five records according the entreaty a mailing case, a folded booklet, a petition letter, an applying form, and a summary of terms and atmosphere and found the next:in concluding that the bank’s credit card request exercises were likely to mislead a shopper, the coaches noted that the bank supported “6% cash back” in 13 places throughout the solicitation documents. THe cabinet further viewed that the bank failed to adequately impart that the actual “cash back” reward in a chosen bonus category is tiered, with only 0. 5% earned on the first $10,000 in procurements, and with the maximum “6% cash back” earned only on “bonus group modifying acquirements” between $40,001 and $50,000. ADditionally, the entreaty failed to reveal or differently qualify, in close proximity to any of the 13 occurrences of the phrase “6% cash back,” the tiered nature of the “cash back” reward agreement. ALso, the bank’s use in its appeal of the mitigating words “up to” for non bonus category acquisition e. G. , “and up to 2% cash back on all other procurements” tended to reinforce a message that a tiered arrangement for bonus category acquisition a group which would apparently always earn “6% cash back” did not exist. IN attaching, the advisors found that the appeal was misleading in that no “cash back” reward at all is paid unless and until the earned rewards within the year reached $50.

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POol resources by partnering with another neighboring store to share email or mailing lists and come up with an event that builds passion and gets traffic back into your store or office. PErsonal credit worthiness and health can improve when an individual does the later: • make loan payments on or before the payment due date. SOme lenders do have grace periods and the key for most is not paying past 30 days from the original payment due date. • keep a low balance/high credit ratio on debt, peculiarly on resonant debt. WHen the balance of an account at or near the credit limit for that account, your banker starts getting nervous about the risk – and the more anxiety they have, the more it takes a toll on your credit score. • check your credit report!REviewing your credit report is serious to ensure that you are aware of all the books that are being announced in your name. • don’t let errors fester. COrrect them as soon as feasible, as there could be double accounts coverage or plain errors in the account counsel on a debt. PErsonal credit scores are derived from an algorithmic rule of data that is burdened and rated. BUsiness credit scores, on the other hand, are much more multifaceted, and vary concordant to type. SOme scores look at ruin risks, while others suppose scores for ability supplies along with risk scores for delinquency. FOr case, a lender could see public records on a affairs credit report and decide that because of this the risk isn’t worth taking. SUppliers could view your invoice payment index as being outside of their tolerance level, and decide against going forward with a harmony. SOme of the key factors that a matters credit report could reflect and which play into events credit scores are: • timely payment of invoices from vendors/distributors. A report with this hint may track how you pay bills or analyze your payment index as 30, 60, 90, 120 days from the invoice due date. • credit employment, application to what debt you contemporarily have v. THe concern of your unused credit, much like with singular credit insurance. • company liens and/or municipally filed legal records are now and then used in activities credit reports. • business types are charged in some reports to show any evaporation that may exist in each assiduity type. THis evanescence arithmetic is formulated from authentic data on known enterprise types. • holder counsel can be used as another marker for a score or reportage quotation. IT is paramount now more than ever that events owners have a good handle on their particular and events credit reports. LOng gone are the days of handshake agreements. DEcisions are based on hard facts and justifiable numbers. EArly stage activities owners should make efforts to secure events credit per credit cards or small establishing loans. THe latter can be another easy way to begin the process of determining matters credit. OVerall, credit will continue to be very vital in our lives ourselves and professionally. LEnders want and need the ability to measure the credit worthiness of an dissimilar or matters, which in turn affects the pliability we have in our day to day lives, and in the provision and growth of small businesses. WE’ve all seen the news and reports on how the “credit crunch,” as we so quietly call it, is preventing events owners with good credit from receiving financing. BUt why is it so hard?WIthout even appealing the disappearing role of community banks in the vitality of small firms, the simple answer is that many of these affairs owners don’t have the wealth or the time to “hurry up and wait. ” that is to say, the approved lenders that are left standing want financial accounts, lengthy activities plans, person collateral, and a litany of other concert ensures…and even if a business owner does have the luxury of dedicating enough wealth to pull all of this concurrently, they then find itself waiting 90 120 days before their loan is funded. IN the pause, that small concerns could be purchasing more list and new equipment. THey could be creating jobs, working on product advances and really amplifying. INstead, that matters, clearly in need of operating capital hence the loan request in the first place, is stationary, maybe losing revenue, or worse. THis fiscal climate has absolutely made small concerns owners more street smart. THey want to buy more inventory because they know that acquisition more means cost per item savings.
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HE always blamed me for all his life difficulties. HOwever, now that i have broken up with him, i feel this sense of loss, like i’m split to the world. I have no kids, and few friends as i am an introvert. MY life is calm and tranquil, but a part of me misses him, but he is bad for me. IF i got back with him, my life would be a wreck again, my money would float down the drain, and my energy would be sucked out of me. JUst don’t know how to get over this split feeling i have. ANybody experience this?I’d enjoy your input. HEllo rose, had needy friends i used 2 think needed 2 be around them until i noticed how narcissistic they are, and then i decided 2 slowly back away from them. HAd male friends but it became now and then discussions between 1 guy and another guy striving 2 get my care. IT was wearing. I used 2 think i’m not the referee here, they lacked self guarantee, self esteem, and i felt burdened by having 2 reassure each of them for their contributions in the fellowship. I gave them my love they brought drama and gossip which is dysfunctional. IT was a huge burden. I want 2 be around secure folks, not folks that have issues, and want to use me for anything they need. 1 of my friends wanted me to give her some of my son’s child support because she was short. THe answer was no. ALl the excuses will overcome you if you let it when they can’t use you for what they need and what age does a person need 2 be when they are a fully performing adult that is likely for their own life?I used 2 wonder why don’t they just go do what they need themselves?NOt in a current affiliation and i love it. DOn’t have male friends anymore either. PEople want 2 hang out if they can use you 2 get aught, otherwise how many out of the blue folks call you regularly because they value you as a woman and a friend?IN order 4 me 2 go out and hang with anyone they have 2 be definitely 100% fully temporary adult that wants affection from me only, no loans 4 $, no wanting 2 borrow my car 2 drive because their car is conveniently in the garage and they can’t afford 2 get it out. GEtting in a tie with a man that has kids and wants me 2 raise his kids, not event. I wonder isn’t anyone accountable for their life oneself?I’m happy being single. I have no regrets i don’t date. I newly broke up from a draining alliance with a narcissist and i’ve been there for almost two years. LOst 22 pounds and i was already thin before… it is not the first time i attempted do leave him and i was fairly aware of what was affair when we got back simultaneously last time. I have strong emotions for him and i wanted to make sure i was doing all i could to make things work. IN the process, i almost lost my mind and the weigh loss on the last five months was the red line for me.
COnsequently, to receive any bonus, a purchaser would have to spend at least $10,000 on purchases $10,000 x . THe counsellors noted that the bank’s repetitive use of the phrase “6% cash back,” lacking any acceptability, falsely suggests that a 6% bonus is straight open on all bonus classification gains. ADvertising lesson 1:icons should be satisfactorily able within an notice or direct petition to avoid the chance of misleading customers. FUrthermore, the possibility of a patron being misled by an notice or direct appeal supplements with the repetitiveness of the unconditional picture. IN notice consultancies 1, the bank frequently promoted “6% cash back” while its petition certifications when, in routine, due to the “tiered” arrangement of the reward program, the reward earned was far less than the amount stated in the solicitation certifications. IN fact, as a result of the program’s “tiered” agreement, the customer could never earn, on overall procurements, the amount of rewards stated in the appeal. THus, the advisers accomplished that the bank’s practice of omitting qualifying hint in its credit card appeal issues about its cash back reward program was likely to mislead customers. IN advert consultancies 2, a buyer’s delineation of a picture and omission was deemed affordable given the whole of the context and the net feeling made. HEre, a patron complained that she acknowledged a direct mail appeal from a bank contribution her zero percent hobby for 12 months on balance bears to a new credit card account new card. SHe received the offer by applying for the new card and soliciting a balance give on july 3, 2005. A new card account was opened in her name on july 3, 2005. HEr balance deliver $6,000 was posted to the new card account on july 12, 2005, and emerged on the july 2005 periodical record, which had a closing date of july 24, 2005. THereafter, she made at least minimum monthly expenses as requisite. SHe made no other charges, either gains or cash proceeds, on this account. WHen she professed the july 2006 periodical report which had a closing date of july 24, 2006, she sent a payment for the superior balance before the due date reflected on the account. THis payment was posted to her new card account on the actual due date: august 13, 2006. NEvertheless, the bank considered finance charges, start on july 24, 2006, of $19. 89, representative pursuit at the common rate for gains on the average daily balance of the account for the july 24 august 23, 2006, billing cycle. THe bank stated that it does not send cardholders any kind of find advice them when the content zero percent pastime rate expires, because the bank does not know when the balance pass will be made, how many carries will be made, and when each one will be elegant. THerefore, the bank left it to the customer to choose when the 12 month promotional period expires based on when the worker is transacted on the account. THe direct mail request to which the patron retorted controlled the after recommendation, which became part of the patron’s consent with the bank:as stated, for an act or custom to be misleading, the customer’s explanation of the sketch, omission, or practice must be cheap. IN assessing whether a client’s definition is inexpensive, it is proper to look at the entire ad, dealing, or course of dealing to resolve how a low-cost buyer would respond. IN this consultancy, it was positive that the patron’s description of the exaltation offer and disclosures was cheap, especially in light of the entire course of dealing between the parties. HEre, the consumer professed monthly frequent declarations showing the odd balance of the worker, credit for expenses remitted, the new balance, and no finance charges. THis was duplicated each month for 12 months with no notice from the bank at any time that the new balance on the monthly report had to be paid by a certain date to avoid finance charges. THere was nothing in this course of dealing to warn the consumer that her explanation of the term of the promotional offer was false or was not shared by the bank. ADvertising lesson 2:assiduity must be used to ensure that 1 idols made in adverts are accurate, clear, and enough consultatory to convey to buyers the message intended and 2 ongoing announcements made pending the account connection reinforce, not controvert or cloud, the planned announced message. HEre, the advisers accomplished the customer’s explanation of the obstinate idols or named errors, as to when the zero percent message avocation rate expired, was cheap given the total of the circumstances and the net sentiment. TO find a picture, omission, or practice deceptive under section 5 of the ftc act, the picture, omission, or practice must be pall. A picture, omission, or convention is pall if it is likely to affect a consumer’s mediation with regard to a product or service. REpresentations about costs are assumed stuff.

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DO not include any payments at this time. DIvide the consequent number by two, and then add in any outlays you have made. THis estimation will result in either a assured or negative number. IF you figure a positive number, assumptive you have enumerated for anything correctly, the result will be the amount of your cash advance echeck for the semester. IF you reckon a opposed number, you do not have enough fiscal aid credits to make you eligible for a cash advance echeck. INstead, this adverse number is what you need to pay to your student account. YOu can downloaded our cash advance evaluation worksheet to help you estimate the amount of your particular cash advance check. THis worksheet is proposed to be used as a guide in gauging a sanely good approximate of the amount of your cash advance check. HOwever, there are many adjustables that could perhaps affect the final amount of your advance check. WE cannot assurance that the echeck you truly receive will always exactly match your appraisal. WHile we have tried to take as many variants into account as apt when designing the worksheet, it will not be exact in every distinct case. IN addition to helping you estimate your own cash advance, we have furnished a few sample cash advance counts to specifications this calculation process. WHen you receive your cash advance echeck, you will need to budget this money for the session. ONe quarter, for fiscal aid purposes, is equal to four and one half months sept. – jan. II . TO budget your cash advance, you will first need to subtract any rent expenses that need to be paid on a monthly basis from the echeck amount, unless you live in a dorm since in most cases chamber charges have already been listed on your student account. THe odd money should be divided by 4. 5, giving you the amount you have to live on per month for the next 4. 5 months. IF you are fit for a cash advance or refund, you will receive one direct deposit each quarter; the last day of august for fall quarter and in late december for spring semester.
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THis charge does not include the medical therapist or coroner’s fee; cash advance items or other necessary charges or fees that will be expounded to you. CAsh advance items are third party cost that we will forward for the family. EXamples of cash progresses are: admitted death attestations, flowers, death notice or obituaries in a diurnal, honorariums/fees for the minister/priest/church/organist/soloist, medical investigator’s or coroner’s fee, opening and closing of the grave/niche, funeral luncheon, final inscription of the grave marker. IMmediate or direct cremationthe charge for an quick/direct cremation embraces hand of remains to the funeral home, washing and disinfecting of remains with no embalming, the cremation process, fastening authorization, basic benefits of the staff and a cardboard cremation container. THis charge does not include the medical psychoanalyst or coroner’s fee; cash advance items, or the use of installation and staff for any visit or observance, public or private, as far as the cremation. IF you want to arrange a direct cremation, you may use an alternately instance. ALternative cases encase the body and can be made of elements like fiberboard or composition articles with or without an outside covering. THe chest we provide is a cardboard instance. FAmily will also be given the choice to choose a person strong memorial. SElecting the type of funeral, whether it’s traditional or a more unique and personalized attention and jubilee of one’s life, we offer many options comprising particular guidance from one of our practised funeral projectors. WE will help you to choose the service which best reflects your family’s desires for a service to recall and a memory to cherish. OPtion onetwo days of reception family and friends with the burial service on the third day. PAckage consists of: basic helps of funeral administrator and staff, embalming, other prep of the remains, 2 days of call/viewing, funeral service, deliver of the remains to the funeral home within 25 miles, hearse, lead/clergy car, flower disposition. THis package does not include: limousine, casket, outer burial container, remembrance articles, or cash approaches items. OPtion twoone day of acceptance family and friends with the burial service on the second day. PAckage consists of: basic helps of funeral supervisor and staff, embalming, other project of the remains, 1 day of visitation/viewing, funeral service, hand of the remains to the funeral home within 25 miles, hearse, lead/clergy car, flower crooked. THis package does not include: limousine, casket, outer burial instance, commemoration commodities, or cash proceeds items. OPtion threeup to one hour of receiving family and friends with the burial jobs back. PAckage accords of: basic services of funeral supervisor and staff, embalming, other project of the remains, 1 hour of visiting/viewing, funeral service, pass of the remains to the funeral home within 25 miles, hearse, lead/clergy car, flower disposition. THis package does not include: limousine, casket, outer burial container, souvenir stock, or cash proceeds items. OPtion fourtwo days of acquiring family and friends with the funeral service on the third day. PAckage consists of: basic service of funeral supervisor and staff, embalming, other lesson of the remains, 2 days of visitation/viewing, funeral service, hand of the remains to the funeral home within 25 miles, casket coach/average, , flower bent, rental casket, crematory fee, medical therapist fee. THis package does not include: limousine, urn, outer burial box, commemoration stock, or cash furthers items. OPtion fiveone day of acquiring family and friends with the funeral service on the next day. PAckage accords of: basic services of funeral superintendent and staff, embalming, other project of the remains, 1 day of visitation/viewing, funeral service, transfer of the remains to the funeral home within 25 miles, casket coach/average, flower tendency, rental casket, crematory fee, medical investigator fee. THis package does not include: limousine, urn, outer burial instance, souvenir stock, or cash progresses items. OPtion nine simple cremation with a monument servicesimple cremation with a monument servicepackage consist of: basic jobs of funeral superintendent and staff, worker of the remains to the funeral home within 25 miles, casket coach/average, flower bent, crematory fee, medical investigator fee, memento service at the funeral homethis package does not include: limousine, urn, outer burial case, monument stock, or cash furthers items. OPtion ten simple cremationpackage consist of: basic benefits of funeral manager and staff, worker of the remains to the funeral home within 25 miles, casket coach/circumambient, crematory fee, medical investigator fee. THis package does not include: limousine, urn, outer burial box, souvenir wares, or cash proceeds items. OPtion eleven direct burialpackage agrees of: basic services of funeral boss and staff, transfer of the remains to the funeral home within 25 miles, casket coach/rural. THis package does not include: limousine, casket, outer burial instance, monument wares, or cash advances items.

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