Entrepreneurship & Small Business Finance, Policy & Ethics

This assignment delves into the multifaceted realm of entrepreneurship and small business management. It examines small business financing in the UK pre- and post-financial crisis, the influence of personality traits on social entrepreneurship start-up intentions, and the contribution of public procurement to entrepreneurship policy. Additionally, it explores the perceptions of small-business owner-managers regarding business ethics and corporate social responsibility (CSR), as well as the role of sustainable development in entrepreneurship.

ENTREPRENEURSHIP
AND SMALL BUSINESS
MANAGEMENT

Table of Contents
INTRODUCTION...........................................................................................................................3
TASK ..............................................................................................................................................3
P1 Different type of entrepreneurial ventures and its typology.............................................3
P2 Similarities and difference in between the different venture............................................5
P3 Data and statistics show how micro and small business impact on economy...................7
P4 Importance of small business and start ups growth of social economy............................9
P5 Different characteristics, traits and skills of successful entrepreneurs............................11
P6 Identify the different aspect with entrepreneurial personality........................................12
P7 Background and experience that can foster.....................................................................13
CONCLUSION..............................................................................................................................14
REFERENCES..............................................................................................................................15

INTRODUCTION
In entrepreneurship there are various criteria which needs to be considered by
entrepreneurs while they are looking for business and although they do focus on various
activities in with different persons too. Entrepreneurs are the one who bring many new thoughts
and views in their firm to have success of their organisation in comparison with competitors
(Ackermann, 2012). Although they manage and handle every task in better manner so that profit
and risks can also be included. This report is based on Dixon Schawbl which is small company
and provide services related to advertising and marketing. Firm is busy with serving its better
services of marketing and advertising scenario. Therefore, around 77 people is working with
entity and the firm was found in year around 1991. Project will discuss about different ventures
and similarities in between those, hence how small and micro impact on economy and
importance of entities. Apart from such it will also include the features and skills of
entrepreneurs and aspects of them too.
TASK
P1 Different type of entrepreneurial ventures and its typology.
In market competition is on high peek and even in such there are various ventures who
are fighting to get success and to earn higher profits as well. There is quite difference in between
the entrepreneurship and entrepreneur.
Entrepreneur: He/she is the person who take risk with financial criteria in hope to earn
higher profit in comparison to its competitors and thus they have creative mind with such they
bring new thoughts and views in their business so that they can make themselves stand in
market.
Entrepreneurship: It is that which consider the capacity and competence level which
make them to develop and organize different business venture and activities in order to attain
profits. For instance, starting a new business in market.
Moreover, there are various kind of typologies in entrepreneurship and few of those are as:
Typologies:
Lifestyle venture: In such, entrepreneurs are more likely to invest in those areas where
the population is going to be served with product and services, so that they can attain
competitiveness, although this kind of ventures are framed according to the preference and taste

of customers (Blackburn, Hart and Wainwright, 2013). Moreover, entrepreneur of this kind does
not look forward to expand their business even they make their enterprise stable.
Individual entrepreneurship: Person who establishes the business is not known to be an
entrepreneur, if his activity is of profitable and although create job and even also leads to
contribute to society with their activity which are valuable too. Moreover to become an
entrepreneur it is required to have many other qualifications too. Entrepreneur is all about
individuals, therefore as a consequence there are people who believe that these individuals are
also born entrepreneur. As a fact, entrepreneurship is having a process although not about having
individuals.
Managed growth enterprise: In this those company are considered which get stability in
their growth and development with business model. Although, in such venture investment goes
with up introducing the initial product and services in market. Hence, modification and tailored
goods and services will be provided according to the demand growing of business.
Public sector entrepreneurship: Development of the internal market with private/public
sector partnership which result into the having an need to increase public sector managers which
do make them to have an adopt the private sector techniques and approaches as well. While the
“social entrepreneur” are having an outside government with public entrepreneur as act within
government. In future it is required that the public servant is somewhere who needs to think like
an entrepreneur.
Aggressive growth: Exposer and progress is being considered in this typology of
entrepreneurship. Even such king of firm has the ability to produce the innovative and creative
services as well. Moreover, technical advancement is such which help in having a great and
exceptional growth. Generally, such kind of firm always make a investment in proper way too.
These typologies are connected with each other and having an motto of serving millions
of people in effective way and lead to earn higher amount of profit too. Even though the
entrepreneur are those who always look forward to invest at those places from where they can
earn higher amount of return as well.
Some of the key entrepreneurial venture are there and some of those are as:
Small business venture: In this several individuals do come up with resources,
innovation and the specific plan as well, with such specific plan and investment is made in
working so that profit can generate in better way. It includes different thing like stores,

carpenters and saloon too (Bridge and O'Neill, 2012). In UK there are almost 5 million small
business and all are considered in non- government workers. In such firm they normally goes
with hiring their family members so that business can be run for longer period and profit can also
be earned.
Public-private venture: PPP stands as public-private partnership has delivered a huge
amount on the private sector capital investment in over the around 700 UK infrastructure project.
This is such which do include new schools, hospitals, roads with housing prisons with military
equipment as accommodation. Private finance 2 is such who replaced the private finance
initiative as government also approach with public-private partnership. PF2 has provided around
1 billion of capital investment in almost 46+ schools and hospitals.
Scale start up: Entrepreneurs move in with great thoughts and ideas of business which
attract the investors to come up and invest in their business and show their talent of making
better return on investment too. For such entrepreneurs do hire those who have capability and
competence to fight in any situation and can work in proper manner too.
Large Scale venture: They are those who operate at large scale and has their operation
at the broad segment for which they have a effective business development in great manner
although. At such scale a proper cycle works up and in those which grow with their innovation,
launch and also offers various kind of services to people.
Social venture: In this those organisation are considered who normally focus on social
services in right prospect and thus try hard to settle down the needs with wants of customers by
providing quality standard of services (Bruton, Ahlstrom and Li, 2010). Even though social
enterprise also bring standard of living of different people.
The relation in between these typologies is as all the venture come out in market with an
innovation in there working and products too which does help them to attain there goals and
objectives in great way.
Relation in between lifestyle and individual entrepreneur: There is a relation in between
these two types of venture as both at the initial point is having an main motto i.e. to earn profit
and to make it stable in market. They both use to invest in those product and services which can
provide them a better competitive advantage in right format.
Relation in between managed growth and aggressive growth: in these both ventures there is
relation which is related as both looks forward to have growth in huge way. Although managed

growth manages its work and profit then grow its business and in aggressive growth they usually
have motto to grow the business in great way as whatever the situation is.
The life cycle of the entrepreneurship is like which has various phases and some of those are as
follows as:
Stage 1: Seed and development
Its being an beginning of the business life cycle, when the business ideas is ready then be
ready to take dip. At such stage, advice and opinion is considered as the potential one of the idea
and it is from many sources as well like: friends, colleagues etc. the success of firm will also
come out with many factor as: include own abilities, readiness of market in which wish is to
make enter, with the financial foundation as place.
Stage 2: Start up
once canvassed and satisfied with business idea although its time to be official and set up
a good start up. People believe that this stage is riskiest in the entire life cycle. Normally,
mistakes are also made at this stage and it impact for the rest of time and this is being considered
as main reason for not making an 5th birthday in right context too.
Stage 3: Growth and development.
At this stage, business generally leads to have an consistent sources of revenues and
income in great manner and also lead to attract the new customer. Cash flow is such which start
with the recurring revenues and thus with ongoing expenses in better way. Biggest challenge for
the entrepreneurs is to split the time in proper way to deal with everything.
Stage 4: Expansion:
At this particular stage, there is almost many thing which feels like running business.
Even though the staff is placed at the right context as this help in handling areas having no time
to manage such in effective way. Generally, business is that stage which has rapid growth with
revenues and the cask flows with plan which is being established. Even success can be received
for longer term with proper planning as well.
Stage 5: Maturity and possible exit.
At this particular stage, entrepreneurs are those which do face two choices: like push for
further purpose expansion or do exit in business. Basically at such stage, the entrepreneur
themselves ask different question as they are able to get stable in market or not.

P2 Similarities and difference in between the different venture.
According to a small research it was found that there is quite difference in between the
various ventures and some of those are as follows:
Lifestyle ventures Serial ventures
Similarities Similarities
 In such, entrepreneurs are those who
are very much confident regarding their
working in innovative ideas and also
produces featured products and services
which satisfy the customer needs and
wants.
 Entrepreneurs are those who have
ability in themselves to perform in
better way and thus look forward to
have success and bring stability growth
too.
 These entrepreneurs are those who
believe in making investment at where
the level of competition is high because
more the risk more the profit.
 They have a belief that with their
innovation and creativity they can earn
higher profit and image in market too.
 In this entrepreneur are those who also
bring an innovative ideas and as similar
to lifestyle venture which do produce an
product and services leads to satisfy
customer needs and desires.
 In such, company invest their amount in
bringing business plan in better manner
and thus they also look forward to
create a demand in between consumers
through promotion and publicity.
 In this many venture come up with idea
to change some features in existing
services which can help company to
fight up in market with their
competitors.
 Entrepreneur are having a belief as
when they will bring innovation in there
working they will be able to earn good
amount of profit in better way.
Difference Difference
The major difference in between these is
entrepreneurs are as in this the entrepreneurs
are looking forward to invest their money at
such palace from where they can earn the large
amount of revenue in better manner although.
They try to find better opportunity in market
and for such they have to bring new product
and services with innovative ideas and thus
they also look forward to expand their business
as well and thus they make their business stable

Even they don't expand their business any how
whether they earn good amount of money too.
and handover to someone else for betterment of
such business.
Above is such which help in knowing which firm is better and how they behave in market
and thus also earn higher profit as well in proper way too.
A difference in between the small profit venture and high growth venture as:
Small profit venture High growth venture
 Small firms are those who earn less
profit.
 Small firms are those who earn good
amount and further think of expanding
it.
 Generally, these company are those
who do not make investment for better
returns in great manner.
 In comparison to small venture, high
growth venture earn higher profit in
effective way.
 High growth companies are those who
already earn higher amount and thus
they have a great working too.
 These enterprises are those who do
make better investment for earning
higher return in great way.
P3 Data and statistics show how micro and small business impact on economy.
Small and micro enterprise is such which play an important role in contributing into
national economy. The purpose behind starting up a new business by individuals or with help of
group members can be there which lead to earn profit in great manner and also increases the
wealth of organisation. In small firms the number of employees are less and manages the
responsibility in better manner though so that they can earn income and can share with others
too. Even the UK government started supporting the Small and micro firms as because after
Brexit the economy of country was not stable and with supporting the small firms somewhere the
economy of UK can be managed in proper manner (Chittithaworn and et. al., 2011). Successful
business go with expansion and can increase economy as well with the development of country
by bringing various innovative ideas so that GDP can increase. Many problems does faced by
UK after the separation of European union and entrepreneurs were not be able to manage and
handled themselves in great way.

Performance of economy of UK to current sorting which affect the Brexit on UK. This is
such which is nearly summarized in GDP data and around 0.5 percent growth is being noticed
and above the level of 0.2% as well. Various impact of small business from the GDP is having
wide range because they do are considered as lifeblood of UK economy. Falling GDP which has
the large impact on small business in various terms of having overall activity of business and
consumers are buying their product and services in great way.
Even though the small business firms are those who is increasing the employment
opportunity for may of people in UK. According to research, 5.6 Million SME's are there
somewhere in the country as well. Moreover, innovative and industrious are such in which the
business has created jobs for more them around 1.8 million of people in almost five years. SME's
are in UK is such which do also reduce the debts and having an amount of outstanding loans to
SME and fell into around £166 billion and it close with £200 billion.
There were a lot changes bought like increase in tax rates, legal policies and protocols of
UK. Moreover there are some of the criteria thus which help in understanding the small and
micro enterprises in better way and thus such has impact of it on economy too.
Impact on local: Ventures and new start-ups support development of nation and also
encourage government policies to accept the local goods and services in better manner (Cowling,
Liu and Ledger, 2012). Even though they also motivate and boost up morale of entrepreneurs to
come up with new ideas and thoughts to create and innovate new product and services as well
which help in creating a effective business.
Regional impact: They support in having a development of regional with starting
various ventures and thus it lead to have improvement in infrastructure as well in better way.
They also help in community or society and thus through which healthy and clean environment
can be there and thus regional areas can also be developed. New ventures are there which create
more job opportunity for different people and look forward to fulfil the basic needs and also
increase standard of living of individuals too.
Regional impact: This is something which does contribute in different thing like
regional development and also start with ventures so that infrastructure can also be improved in
better way (Dennis Jr, 2011). Start-ups are those which help in creating healthy and clean
environment, even though with this regional areas can be developed. New ventures is such which

create more and more job opportunity for people which help to fulfil needs and increase various
standard of living too.
Impact on national economy: Small organisation is that which does help in growth of
GDP and thus it can help in making a country's economy in best manner and can be overlooked
to develop it. Entrepreneurs are those who support in decreasing the import and looks forward to
have increase in export in country to higher tax rate, custom duties and looking forward to
generate economic growth.
Even though, small business enterprises are those who also create the opportunity for the
employment for many candidate and they can work with the firms as well, thus many small firms
are those who has bought many changes in their product and development to increase their sales
in great manner and thus with such they can earn higher amount of income as well.
Number of jobs created by small business.
Illustration 1: Data and statistics of

Even though there is huge number of small firms established in UK which do help in
creating employment opportunity for many individuals which somewhere work hard and make
there economy stable in perfect way. Moreover around more then 12,000 employment
opportunity is bought up by different entity and it will also increase in upcoming years too. May
be it can reach by 15,000 in great way although. In percentage criteria it has grown up by around
5% in great and huge manner too.
P4 Importance of small business and start ups growth of social economy.
Start ups and small business organisation are those which contribute in the national
growth of country and do support in better way too. Although the UK has faced various issues
and circumstances when the European Union went out from country and Brexit happened.
Moreover, the economy of UK does not get stable and even though in such situation they are
looking forward to handle such situation and thus for it government is supporting small business
environment as well. In this particular situation every entrepreneur took decision to expand their
business and help economy to get stable (Down, 2010). Government of UK formulate various
rules and regulation for micro and small firm which help in increasing the economy condition.
Therefore, having a better relation of economy with society is something which is known as
social economy, this is something which is being affected from micro level business and they do
support people in increasing the various level of standard and although provide job opportunity
to them. After, Brexit there are various changes occurred which help in making new policies and
procedures and this has to be followed by the entrepreneurs. Although the small and micro
business doe help in the development and growth of economy of UK. There are some of the
ways of having economy growth such as:
 Micro firms are such which help in increasing growth of economy and company of UK
and such thing has also contribute in high level of revenues and income after the Brexit.
 They even though try to maintain the environment as clean and green so that they can
contribute in the development of society.
 Small business are those who help in developing people by giving them jobs and such
thing also leading into reduction of unemployment as well (Fassin, Van Rossem and
Buelens, 2011).
 Micro and small business is that which have effective goods and services in cheap cost
and thus they also sell such at lower prices so that customers can buy those product and

services in better manner and thus with this needs and wants can be fulfilled and it also
increases the consumption of goods with better production too.
 Small firms are those who does support in having balance and also leads to maintain the
employment ration by reducing unemployment.
 Start-ups is such which help in maintaining the healthy environment and this is such
which also create the infrastructure in regional locations.
 Entrepreneurs are such who knows how to manage work and utilise resources in effective
manner so that they can receive maximum outcomes from the minimum input as well.
Corporate social responsibility is considered as the business approach which does lead to
have an sustainable development in right criteria in which they also deliver the economic, social
and environmental benefits for the number of stakeholders as well. Basically CSR is said to be
an broad concept that do help in address of also having an various topics as human rights and
corporate governance and health safety effects. In other words CSR can be described as changes
toward sustainability and Dixon Schwabl is such which also mould themselves towards using the
CSR which also help to develop the society in great manner too.
The importance of SME's for the economy development are as follows:
 Even though government of UK is also supporting the small business enterprises which
does help economy of UK to get developed.
 Small business entities are generating the employment opportunity in great manner which
does help in development of society.
 Economy of UK going to get stabled in effective way.
P5 Different characteristics, traits and skills of successful entrepreneurs.
A Successful entrepreneurs is that who has the effective skills which is more efficient
too. They are those who look for better features and skills for running in business too.
Entrepreneurs are inspired and looking forward to make them motivated and thus various kind of
risk and uncertainties which think big and also produce various new products and services as
well. They bring their new ideas and thought in their working which does help them to have an
innovation and creativity in their company which lead them to attain goals and objectives in right
context (Hall, Daneke and Lenox, 2010). Many entrepreneur are there who has started their
business at micro level and has become the successful businessmen in this competitive world.
Even though entrepreneur are those who has skills, abilities and learnings with education which

help to build better organisation in market. Some of the elements which needs to be there in
entrepreneur as:
Personal features: It is such which is being considered as the personal feature and it is
such which differentiate individual people with other in better manner and thus it also lead to
have a better working in the organisation. Having great skills and feature make them to handle
various situation in great way and thus it will lead to have a great working although.
Skills: These are those which consider the different aspect of entrepreneur and thus it will
lead to make them to be unique in whole population and thus skills are various in nature and thus
it is in been human and does vary with people too. Skills can consider various thing like
(Communication, direction, leadership and personality skills etc.)
Some of the personal characteristics be like:
Openness to experience: It is being considered as the aspect of entrepreneurial which is
regarding the personality as they should have ability to experience the situation as well. Business
environment is such which is changeable because it surround with various factors and this has
affect on business so that individuals must look forward to get ready and thus this is innovative
thing which can lead to have work in effective manner and to achieve the goals too (Preuss,
2011).
Highly motivated: It is required by entrepreneurs to be highly motivated because with
this they are able to motivate the people and employee in better manner and thus it can help in
increasing the performance level of organisation as well and it can make them to attain their
goals and objectives in right context too.
Skills of entrepreneur:
Hard workers: This quality should be there in every entrepreneur and thus this is such
which help handling the task and jobs in better manner. They are always make themselves
prepared to face various kind of challenges and condition and does not get afraid with risk and
problem (Ligthelm, 2010). They work hard to get success and to attain the goals and objectives
in right context too.
Motivation: Entrepreneurs are those who should have this trait. It is required they use to
be self motivated so that they can manipulate others too in better manner so that performance of
employees can be increased and can lead to have attainment of their target too.

Risk taker: Entrepreneur should have an quality of risk taking under their working and
thus they can also lead to run the business in effective way. It is required by company and them
to have an strategy and decision in right format and can find out the surviving the different
situation as well.
Focus: The entrepreneur is that who set the long term objectives and needs to make a
focus over such in effective manner. As because there are many factor which affect the working
of entrepreneurs so, they can easily face the challenges of changes and working as well. Focus
help to achieve the desired goals and objectives of the company.
Learning skills: It is that skill of entrepreneur which makes them unique as they feel that
they don't know anything about new thing in market and they always lead to update there skills
and working criteria as well. Learning about new technologies and different thing can help them
to perform in proper way in market as well.
Communication skill: The entrepreneur should have an better communication skills
which can help them to provide each and every information to their employees so that they can
work in right direction and can increase their performances as well. Communication is said as
backbone of every organization in proper format.
Problem solving skills: The entrepreneur are those who has an skill of solving problems
in organization even though, they work hard and take out the company from various situation so
that they can earn higher income as well. Problems can be of various type and it may be like
which has to be solved in better way which can result into betterment of working too.
P6 Identify the different aspect with entrepreneurial personality.
Personality is such which describe different thing about the person and look forward to
entrepreneurial qualities and this is something which can affect individuals capacities and it can
be performed according to their environment abilities. Although there are various things which
help to determine the personality which needs to have influencing power.
The mindset of entrepreneur:
Positive thought: It is require by entrepreneur to stay positive in better manner so that
they can help every employee in organisation so that they can perform every work in great way.
Positive thought always help in completing the work on time and create an environment where
the working is done in right direction.

Staying motivated: Although, it is required that entrepreneurs needs to stay positive in
organisation as this help in increasing the performance level of employees and different criteria
can also be there and thus motivation help in earning money in great manner in market. Staying
positive can help firm to earn money for longer period as well.
Agreeableness: In this, person required are those which focus for organisational goals
and does create the positive behaviour at different work place. Therefore, various tools and
techniques are such which motivate the employees so that good relations can be maintained.
Extraversion: Entrepreneur should have an habit of sharing ideas, opinions, views and
having without the barrier with confidence as well (Nga and Shamuganathan, 2010). This is
something which help in influencing the mindset with individuals and do motivate which have
free sharing with issues and problems too.
Some of the situational factor of entrepreneurial mindset is as:
Unemployment: This is considered as the major issues of country and thus
unemployment problem can be solved with the help of supporting small business enterprise and
they usually generate the employment opportunity for many people and even though they can
also increase their standard of living in better manner.
Cultural difference: It is such situational factor which needs to be undertaken in right
context and cultural difference is that which create issues and conflict in various ways in
organization, these all things does changes the mind set of the entrepreneur that they need to
bring several policies and procedure which can help them to have an effective working in
accurate form.
Earn money: The entrepreneur is that who establish the business in market is to earn
money in great manner and thus they work according to requirement of customers, although
innovation and creativity is there with the entrepreneurs which make them unique in the market
so that they can also earn higher amount as well.
P7 Background and experience that can foster.
For many entrepreneur it is quite difficult to start and to manage a new business with
issues and problems which occur while the starting the business too. Businessman have to face
many situation or problem and thus operation and they do get the various types of barriers ans

this has impacted on the business process with its activities too. Even though the persons
background and experience does play an effective role play and have importance of it in making
them a successful entrepreneur in great way. Personal background is such which does include the
aspects of different thing which he/she has faced like family, school, college and society from
which they belong too. So these components influence various individual behaviour and their
personality is such which help in having an effective work in organisation (Schaltegger and
Wagner, 2011). For being a successful entrepreneur it is required to consider different thing like
values, education, cultures and beliefs are those which does play an vital role. If, learning and
acquiring can be there which impact on business and they might take several steps and decision
in work place and this also make to create the barriers and this also help in achieving goals and
objectives too.
Experience is such which does consider different things which is being faced by the past
life. In this case of investment, if a person is having various thing and which does face different
losses which is related to the funds and will always be having scared and thus look forward to
take steps which is related to investment. Same again, if a individual person is facing different
situation about crime incident and thus it leads to have an previous life and it will also have
difficult for person to have trust on someone easily.
So, if it is considered and thus it is be like which look forward to build in good relation in
with the people as well.
Steve jobs: The founder of apple, he does started his business at lower level and worked
hard and bought their business at such level. He is the person who is inspiring many generation
and motivating them to come up with new ideas and thoughts. In starting he faced many
financial issues and and now he is the owner of apple corporation. Steve jobs comes from a
background where people do not shy to take risks. He left his college because he wanted to start
something new and try to pursuit his interest. He went to through emotional trauma when he
came to knew that he was adopted. This trauma made him strong and it can be considered as the
prime reason behind aggression which could be seen in his working style.
Benjamin franklin: Benjamin Franklin is that entrepreneur is that which always do an
different experiment over Old Benny was always up to. Franklin is such which is credit with the
lightening of several rod, Bifocals too. Moreover, Franklin was considered as thousand of hats.
Basically, printer, politician, inventor and savvy businessman with few minute trades.

Bill gates: It can be said that, he is the richest person in the world and having most
successful entrepreneur in this world. He is the person who is a co-founder of Microsoft
company and it is largest PC software company. Approximately, he is having around $ 79 billion
too. Bill gates lived in an environment where people like to take calculated risks. Bill gates also
left his education in middle because he thought that it is not going help him in developing a
successful career. This fearless nature gave him some hard experience but at the end, made his
ready to cope up with any kind of challenge. He always prefer to work with people who are
better than him because he leant it from his past experiences.
J.K. Rowling: He is that entrepreneur who has been an household name which has an
Harry potter series. Before getting the Bestseller cast and having an cast of spell on readers, J.K
Rowling is having an welfare and also struggling the way to have an single mother. The
entrepreneur is having an net worth around of $ 1 billion. Basically they have an Rumour that
president of Gringotts Wizarding Bank, although and having an Bit of secret among the goblins
as well.
CONCLUSION
From the above report, it is been concluded that entrepreneurs are such which come up
with new ideas, innovation and creativity which look forward to have new venture for the
purpose of attaining the goals and objectives to maximise profit. In this, various entrepreneurial
ventures are also discussed which has relation with the different typologies like small-business,
serial and female with social enterprise which does help in contributing several thing in
development of country. Brexit is such which has affected the organisation with its factors and
thus it also changes the rules and regulations. In this various things are there which explained
with features and skills of successful entrepreneur in proper way too. Moreover, this is
something which can have background and having experience which has influence on behaviour
for bringing various innovative and better ideas in best way too. These all are something which
does help entrepreneur to earn higher profit and thus lead to attain their aim and objectives too
within the time period as well.

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