Takaful Scheme for Mental Health Disorders: A Systematic Literature Review
DOI:
https://doi.org/10.26740/al-uqud.v5n1.p29-42Keywords:
Takaful, Islamic finance, Wealth management, Mental health disorders, Systematic literature review.Abstract
Wealth management involved cycles which are wealth creation, wealth protection, wealth distribution, wealth purification, and wealth accumulation that must in line with the financial objectives of the individual through their life. The current study is focused on the wealth protection element which a takaful scheme for mental health disorders. However, little was known about it. Thus, the objective of this systematic review was to synthesize findings of trend and population-based studies on takaful scheme for mental health disorders. The aim was to presents an extensive systematic review of takaful schemes for mental health disorders. A systematic review was identified using electronic database searches (Google, PubMed, and Scopus), previous reviews and reference lists to identify articles published between 2010 and 2020. Narrative synthesis and systematic review were performed and reported according to the preferred reporting items statement. The current evidence showed there is less study on takaful schemes for mental health disorders in the period 2010 to 2020. The two main contributions of this paper are its use of a readily-available and powerful new instrument, and its use of extremely large data which gives us the power to takaful scheme for mental health disorders for disaggregated health care services. More good quality of systematic literature with comparable assessment tools is needed.References
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Arifin, J., Yazid, A. S., & Sulong, Z. (2013). A Conceptual Model of Literature Review for Family Takaful (Islamic Life Insurance) Demand in Malaysia. International Business Research, 6(3), 210216. https://doi.org/10.5539/ibr.v6n3p210.
Bernama. (2020). Etiqa Offers Comprehensive Plan with Mental Illness Coverage. Retrieved Online from https://www.bernama.com/en/news.php?id=1821113. March 26, 2020.
Billah, M. M. (2019). Group Takaful Plan for Health Care. In: Islamic Insurance Products. Islamic Insurance Products (pp. 167-180). Palgrave Macmillan, Cham.
Breslin, G., Shannon, S., Haughey, T., Donnelly, P., & Leavey, G. (2017). A Systematic Review of Interventions to Increase Awareness of Mental Health and Well-Being in Athletes, Coaches and Officials. Systematic Reviews, 6(1), 115. https://doi.org/10.1186/s13643-017-0568-6.
Desrosiers, A., Betancourt, T., Kergoat, Y., Servilli, C., Say, L., & Kobeissi, L. (2020). A Systematic Review of Sexual and Reproductive Health Interventions for Young People in Humanitarian and Lower-and-Middle-Income Country Settings. BMC Public Health, 20(666), 121. https://doi.org/https://doi.org/10.1186/s12889-020-08818-y.
Dunley, P., & Papadopoulos, A. (2019). Why Is It So Hard to Get Help¯? Barriers to Help-Seeking in Postsecondary Students Struggling with Mental Health Issues¯: a Scoping Review. International Journal of Mental Health and Addiction, 1(2), 117. https://doi.org/https://doi.org/10.1007/s11469-018-0029-z.
Etiqa Takaful. (2020). Etiqa Launches Takaful Plan with Mental Illness Coverage. Retrieved from https://ifikr.isra.my/news/post/etiqa-launches-takaful-plan-with-mental-illness-coverage. March 19, 2020.
Glass, G. V. (1976). Primary, Secondary, and Meta-Analysis of Research. Educational Researcher, 5(10), 38. http://www.jstor.org/stable/1174772.
Goh, S. (2019). Etiqa Proves They Care About Your Mental Health with New Coverage. Retrieved Online from https://tallypress.com/fun/etiqa-proves-they-care-about-your-mental-health-with-new-coverage/. March 26, 2020.
Hamid, M. A., Osman, J., & Nordin, B. A. A. (2009). Determinants of corporate demand for islamic insurance in Malaysia. International Journal of Economics and Management, 3(2), 278296.
Hanlon, C., Eshetu, T., Alemayehu, D., Fekadu, A., Semrau, M., Thornicroft, G., Kigozi, F., Marais, D. L., Petersen, I., & Alem, A. (2017). Moving towards Universal Health Coverage for Mental Disorders in Ethiopia. International Journal of Mental Health Systems, 13(11), 116. https://doi.org/10.1186/s13033-017-0144-4.
Harun, N. A., Noor, M. N. M., & Ramasamy, S. (2019). Relationship Marketing and Insurance: A Systematic Literature Review. Scientific International (Lahore), 31(2), 255260.
Hassan, R., Salman, S. A., Kassim, S., & Majdi, H. (2018). Awareness and Knowledge of Takaful in Malaysia: A Survey of Malaysian Consumers. International Journal of Business and Social Science, 9(11), 4553. https://doi.org/10.30845/ijbss.v9n11p6.
Htay, S. N. N., Sadzali, N. S., & Amin, H. (2015). Qualitative Research in Financial Markets An analysis of the viability of micro health takaful in Malaysia An analysis of the viability of micro health takaful in Malaysia. Qualitative Research in Financial Markets, 7(1), 3771. https://doi.org/http://dx.doi.org/10.1108/QRFM-09-2013-0030.
Husin, M. M., & Rahman, A. A. (2016). Do Muslims Intend to Participate in Islamic Insurance? Analysis from Theory of Planned Behaviour. Journal of Islamic Accounting and Business Research, 7(1), 4258. https://doi.org/http://dx.doi.org/10.1108/JIABR-03-2014-0012.
Hussain, F. N., & Noor, A. M. (2018). An Assessment of Customers Preferences on The Selection of Takaful Over Conventional: A Case of Saudi Arabia. Tazkia Islamic Finance and Business Review, 12(1), 3360. https://doi.org/10.30993/tifbr.v12i1.147.
Hussain, M. M., & Pasha, A. T. (2011). Conceptual and Operational Differences Between General Takaful and Conventional Insurance. Australian Journal of Business and Management Research, 1(8), 2328. https://doi.org/10.1111/j.1600-0536.1996.tb02246.x.
Ismail, F., Jaffer, S., Unwin, L., Jamil, S., Md Hassan, A. A., Alajaji, K., & Tan, Y. Y. (2017). Global Takaful Report 2017 Market trends in family and general Takaful. Milliman.
Jarrell, S. B., & Stanley, T. D. (1989). Meta-Regression Analysis: A Quantitative Method of Literature Surveys. Journal of Economic Surveys, 3(2), 161170. onlinelibrary.wiley.com/Doi/10.1111/J.1467-6419.1989.tb00064.x/Abstract.
Kazaure, M. A. (2019). Extending the Theory of Planned Behavior to Explain the Role of Awareness in Accepting Islamic Health Insurance (takaful) by Microenterprises in Northwestern Nigeria. Journal of Islamic Accounting and Business Research, 10(4), 607620. https://doi.org/10.1108/JIABR-08-2017-0113.
Keyes, C. L. M., Yao, J., Hybels, C. F., Milstein, G., & Proeschold-Bell, R. J. (2020). Are changes in positive mental health associated with increased likelihood of depression over a two year period? A test of the mental health promotion and protection hypotheses. Journal of Affective Disorders, 270, 136142. https://doi.org/10.1016/j.jad.2020.03.056.
Kitchenham, B., & Charters, S. (2007). Procedures for Performing Systematic Literature Reviews in Software Engineering. Keele University & Durham University, UK. https://doi.org/10.1.1.122.3308.
Mallett, R., Hagen-zanker, J., Slater, R., Duvendack, M., Mallett, R., Hagen-zanker, J., Slater, R., Mallett, C. R., & Slater, R. (2012). The Benefits and Challenges of Using Systematic Reviews in International Development Research. Journal of Development Effectiveness, 4(3), 445455. https://doi.org/10.1080/19439342.2012.711342.
Michaud, P.-A., & Fombonne, E. (2005). ABC Of Adolescence: Common Mental Health Problems. BMJ: British Medical Journal, 330(7495), 835838. https://doi.org/10.1136/bmj.330.7495.835.
Mills, H., Mulfinger, N., Raeder, S., Rüsch, N., Clements, H., & Scior, K. (2020). Self-Help Interventions to Reduce Self-Stigma in People with Mental Health Problems: A Systematic Literature Review. Psychiatry Research, 284. https://doi.org/10.1016/j.psychres.2019.112702.
Mustafa, N., Salleh, F., Afthanorhan, A., Daud, W. N. W., Yazid, A. S., & Rashid, N. (2019). A Systematic Literature Review and Meta-Analysis of Medical Health Insurance and Takaful: Evidence from Malaysia. International Journal of Academic Research in Business and Social Sciences, 9(1), 12661282. https://doi.org/10.6007/ijarbss/v9-i1/5812.
Nasution, Z., Adiba, E. M., & Abdulrahim, M. O. (2019). Comparison Analysis of Risk-Based Capital (Rbc) Performance and Its Effect on Islamic Insurance Profitability in Indonesia and Malaysia. Al-Uqud¯: Journal of Islamic Economics, 3(2), 149. https://doi.org/10.26740/al-uqud.v3n2.p149-160.
Nathan, L. (2020). Etiqa Launches Takaful Plan with Mental Illness Coverage. Retrieved Online from https://martintfwong.com/etiqa-launches-takaful-plan-with-mental-illness-coverage/. March 26, 2020.
Noordin, K., @Muzakir, M. R. M., & Madun, A. (2014). The Commercialisation of Modern Islamic Insurance Providers: A Study of Takaful Business Frameworks in Malaysia. International Journal of Nusantara Islam, 2(1), 113. https://doi.org/10.15575/ijni.v2i1.44.
Patel, V., Xiao, S., Chen, H., Hanna, F., Jotheeswaran, A. T., Luo, D., Parikh, R., Sharma, E., Usmani, S., Yu, Y., Druss, B. G., & Saxena, S. (2016). The Magnitude of and Health System Responses to The Mental Health Treatment Gap in Adults in India and China. The Lancet, 388(10063), 30743084. https://doi.org/10.1016/S0140-6736(16)00160-4.
Ratanasiripong, P., China, T., & Toyama, S. (2018). Mental Health and Well-Being of University Students in Okinawa. Education Research International, 2018. https://doi.org/10.1155/2018/4231836.
Rothert, J., VanDerwerken, D., & White, E. (2019). Socioeconomic Factors and Happiness: Evidence From Self-Reported Mental Health Data. Empirical Economics, 58(6), 31013123. https://doi.org/10.1007/s00181-019-01655-y.
Saifuddeen, S. M., & Mohamad, M. H. (2014). Addressing Genetic Discrimination in the Medical Takaful System in Malaysia. Online Journal of Research in Islamic Studies, 1(2), 1430. https://doi.org/10.15364/ris14-0102-02.
Schmidt, A. P. (2019). The Impact of Cognitive Style, Consumer Demographics and Cultural Values on The Acceptance of Islamic Insurance Products Among American Consumers. International Journal of Bank Marketing, 37(2), 492506. https://doi.org/10.1108/IJBM-02-2018-0033.
Stefanidou, T., Hughes, E., Kester, K., Edmondson, A., Majeed-Ariss, R., Smith, C., Ariss, S., Brooker, C., Gilchrist, G., Kendal, S., Lucock, M., Maxted, F., Perot, C., Shallcross, R., Trevillion, K., & Lloyd-Evans, B. (2020). The Identification and Treatment of Mental Health and Substance Misuse Problems in Sexual Assault Services: A Systematic Review. PLoS ONE, 15(4), 130. https://doi.org/10.1371/journal.pone.0231260.
Tan, J. (2019). Etiqa Now Offers Critical Illness Insurance Coverage for Mental Illnesses. Retrieved Online from https://ringgitplus.com/en/blog/Insurance/Etiqa-Now-Offers-Critical-Illness-Insurance-Coverage-For-Mental-Illnesses.html. March 26, 2020.
Wiznia, D. H., Maisano, J., Kim, C. Y., Zaki, T., Lee, H. B., & Leslie, M. P. (2017). The effect of insurance type on trauma patient access to psychiatric care under the Affordable Care Act. General Hospital Psychiatry, 45, 1924. https://doi.org/10.1016/j.genhosppsych.2016.12.006.
World Health Organization (2001). Mental Health: New Understanding, New Hope. Geneva: World Health Organization.
Yee, T. J. (2020). FWD Takaful and Naluri Hidup Partner to Offer Digital Therapeutics Programme as Part of Cancer Plan. Retrieved Online from https://www.digitalnewsasia.com/business/fwd-takaful-and-naluri-hidup-partner-offer-digital-therapeutics-programme-part-cancer-plan. March 26, 2020.
Yucel, A., Sanyal, S., Essien, E. J., Mgbere, O., Aparasu, R., Bhatara, V. S., Alonzo, J. P., & Chen, H. (2020). Racial/ethnic differences in treatment quality among youth with primary care provider-initiated versus mental health specialist-initiated care for major depressive disorders. Child and Adolescent Mental Health, 25(1), 2835. https://doi.org/10.1111/camh.12359.
Arifin, J., Yazid, A. S., & Sulong, Z. (2013). A Conceptual Model of Literature Review for Family Takaful (Islamic Life Insurance) Demand in Malaysia. International Business Research, 6(3), 210216. https://doi.org/10.5539/ibr.v6n3p210.
Bernama. (2020). Etiqa Offers Comprehensive Plan with Mental Illness Coverage. Retrieved Online from https://www.bernama.com/en/news.php?id=1821113. March 26, 2020.
Billah, M. M. (2019). Group Takaful Plan for Health Care. In: Islamic Insurance Products. Islamic Insurance Products (pp. 167-180). Palgrave Macmillan, Cham.
Breslin, G., Shannon, S., Haughey, T., Donnelly, P., & Leavey, G. (2017). A Systematic Review of Interventions to Increase Awareness of Mental Health and Well-Being in Athletes, Coaches and Officials. Systematic Reviews, 6(1), 115. https://doi.org/10.1186/s13643-017-0568-6.
Desrosiers, A., Betancourt, T., Kergoat, Y., Servilli, C., Say, L., & Kobeissi, L. (2020). A Systematic Review of Sexual and Reproductive Health Interventions for Young People in Humanitarian and Lower-and-Middle-Income Country Settings. BMC Public Health, 20(666), 121. https://doi.org/https://doi.org/10.1186/s12889-020-08818-y.
Dunley, P., & Papadopoulos, A. (2019). Why Is It So Hard to Get Help¯? Barriers to Help-Seeking in Postsecondary Students Struggling with Mental Health Issues¯: a Scoping Review. International Journal of Mental Health and Addiction, 1(2), 117. https://doi.org/https://doi.org/10.1007/s11469-018-0029-z.
Etiqa Takaful. (2020). Etiqa Launches Takaful Plan with Mental Illness Coverage. Retrieved from https://ifikr.isra.my/news/post/etiqa-launches-takaful-plan-with-mental-illness-coverage. March 19, 2020.
Glass, G. V. (1976). Primary, Secondary, and Meta-Analysis of Research. Educational Researcher, 5(10), 38. http://www.jstor.org/stable/1174772.
Goh, S. (2019). Etiqa Proves They Care About Your Mental Health with New Coverage. Retrieved Online from https://tallypress.com/fun/etiqa-proves-they-care-about-your-mental-health-with-new-coverage/. March 26, 2020.
Hamid, M. A., Osman, J., & Nordin, B. A. A. (2009). Determinants of corporate demand for islamic insurance in Malaysia. International Journal of Economics and Management, 3(2), 278296.
Hanlon, C., Eshetu, T., Alemayehu, D., Fekadu, A., Semrau, M., Thornicroft, G., Kigozi, F., Marais, D. L., Petersen, I., & Alem, A. (2017). Moving towards Universal Health Coverage for Mental Disorders in Ethiopia. International Journal of Mental Health Systems, 13(11), 116. https://doi.org/10.1186/s13033-017-0144-4.
Harun, N. A., Noor, M. N. M., & Ramasamy, S. (2019). Relationship Marketing and Insurance: A Systematic Literature Review. Scientific International (Lahore), 31(2), 255260.
Hassan, R., Salman, S. A., Kassim, S., & Majdi, H. (2018). Awareness and Knowledge of Takaful in Malaysia: A Survey of Malaysian Consumers. International Journal of Business and Social Science, 9(11), 4553. https://doi.org/10.30845/ijbss.v9n11p6.
Htay, S. N. N., Sadzali, N. S., & Amin, H. (2015). Qualitative Research in Financial Markets An analysis of the viability of micro health takaful in Malaysia An analysis of the viability of micro health takaful in Malaysia. Qualitative Research in Financial Markets, 7(1), 3771. https://doi.org/http://dx.doi.org/10.1108/QRFM-09-2013-0030.
Husin, M. M., & Rahman, A. A. (2016). Do Muslims Intend to Participate in Islamic Insurance? Analysis from Theory of Planned Behaviour. Journal of Islamic Accounting and Business Research, 7(1), 4258. https://doi.org/http://dx.doi.org/10.1108/JIABR-03-2014-0012.
Hussain, F. N., & Noor, A. M. (2018). An Assessment of Customers Preferences on The Selection of Takaful Over Conventional: A Case of Saudi Arabia. Tazkia Islamic Finance and Business Review, 12(1), 3360. https://doi.org/10.30993/tifbr.v12i1.147.
Hussain, M. M., & Pasha, A. T. (2011). Conceptual and Operational Differences Between General Takaful and Conventional Insurance. Australian Journal of Business and Management Research, 1(8), 2328. https://doi.org/10.1111/j.1600-0536.1996.tb02246.x.
Ismail, F., Jaffer, S., Unwin, L., Jamil, S., Md Hassan, A. A., Alajaji, K., & Tan, Y. Y. (2017). Global Takaful Report 2017 Market trends in family and general Takaful. Milliman.
Jarrell, S. B., & Stanley, T. D. (1989). Meta-Regression Analysis: A Quantitative Method of Literature Surveys. Journal of Economic Surveys, 3(2), 161170. onlinelibrary.wiley.com/Doi/10.1111/J.1467-6419.1989.tb00064.x/Abstract.
Kazaure, M. A. (2019). Extending the Theory of Planned Behavior to Explain the Role of Awareness in Accepting Islamic Health Insurance (takaful) by Microenterprises in Northwestern Nigeria. Journal of Islamic Accounting and Business Research, 10(4), 607620. https://doi.org/10.1108/JIABR-08-2017-0113.
Keyes, C. L. M., Yao, J., Hybels, C. F., Milstein, G., & Proeschold-Bell, R. J. (2020). Are changes in positive mental health associated with increased likelihood of depression over a two year period? A test of the mental health promotion and protection hypotheses. Journal of Affective Disorders, 270, 136142. https://doi.org/10.1016/j.jad.2020.03.056.
Kitchenham, B., & Charters, S. (2007). Procedures for Performing Systematic Literature Reviews in Software Engineering. Keele University & Durham University, UK. https://doi.org/10.1.1.122.3308.
Mallett, R., Hagen-zanker, J., Slater, R., Duvendack, M., Mallett, R., Hagen-zanker, J., Slater, R., Mallett, C. R., & Slater, R. (2012). The Benefits and Challenges of Using Systematic Reviews in International Development Research. Journal of Development Effectiveness, 4(3), 445455. https://doi.org/10.1080/19439342.2012.711342.
Michaud, P.-A., & Fombonne, E. (2005). ABC Of Adolescence: Common Mental Health Problems. BMJ: British Medical Journal, 330(7495), 835838. https://doi.org/10.1136/bmj.330.7495.835.
Mills, H., Mulfinger, N., Raeder, S., Rüsch, N., Clements, H., & Scior, K. (2020). Self-Help Interventions to Reduce Self-Stigma in People with Mental Health Problems: A Systematic Literature Review. Psychiatry Research, 284. https://doi.org/10.1016/j.psychres.2019.112702.
Mustafa, N., Salleh, F., Afthanorhan, A., Daud, W. N. W., Yazid, A. S., & Rashid, N. (2019). A Systematic Literature Review and Meta-Analysis of Medical Health Insurance and Takaful: Evidence from Malaysia. International Journal of Academic Research in Business and Social Sciences, 9(1), 12661282. https://doi.org/10.6007/ijarbss/v9-i1/5812.
Nasution, Z., Adiba, E. M., & Abdulrahim, M. O. (2019). Comparison Analysis of Risk-Based Capital (Rbc) Performance and Its Effect on Islamic Insurance Profitability in Indonesia and Malaysia. Al-Uqud¯: Journal of Islamic Economics, 3(2), 149. https://doi.org/10.26740/al-uqud.v3n2.p149-160.
Nathan, L. (2020). Etiqa Launches Takaful Plan with Mental Illness Coverage. Retrieved Online from https://martintfwong.com/etiqa-launches-takaful-plan-with-mental-illness-coverage/. March 26, 2020.
Noordin, K., @Muzakir, M. R. M., & Madun, A. (2014). The Commercialisation of Modern Islamic Insurance Providers: A Study of Takaful Business Frameworks in Malaysia. International Journal of Nusantara Islam, 2(1), 113. https://doi.org/10.15575/ijni.v2i1.44.
Patel, V., Xiao, S., Chen, H., Hanna, F., Jotheeswaran, A. T., Luo, D., Parikh, R., Sharma, E., Usmani, S., Yu, Y., Druss, B. G., & Saxena, S. (2016). The Magnitude of and Health System Responses to The Mental Health Treatment Gap in Adults in India and China. The Lancet, 388(10063), 30743084. https://doi.org/10.1016/S0140-6736(16)00160-4.
Ratanasiripong, P., China, T., & Toyama, S. (2018). Mental Health and Well-Being of University Students in Okinawa. Education Research International, 2018. https://doi.org/10.1155/2018/4231836.
Rothert, J., VanDerwerken, D., & White, E. (2019). Socioeconomic Factors and Happiness: Evidence From Self-Reported Mental Health Data. Empirical Economics, 58(6), 31013123. https://doi.org/10.1007/s00181-019-01655-y.
Saifuddeen, S. M., & Mohamad, M. H. (2014). Addressing Genetic Discrimination in the Medical Takaful System in Malaysia. Online Journal of Research in Islamic Studies, 1(2), 1430. https://doi.org/10.15364/ris14-0102-02.
Schmidt, A. P. (2019). The Impact of Cognitive Style, Consumer Demographics and Cultural Values on The Acceptance of Islamic Insurance Products Among American Consumers. International Journal of Bank Marketing, 37(2), 492506. https://doi.org/10.1108/IJBM-02-2018-0033.
Stefanidou, T., Hughes, E., Kester, K., Edmondson, A., Majeed-Ariss, R., Smith, C., Ariss, S., Brooker, C., Gilchrist, G., Kendal, S., Lucock, M., Maxted, F., Perot, C., Shallcross, R., Trevillion, K., & Lloyd-Evans, B. (2020). The Identification and Treatment of Mental Health and Substance Misuse Problems in Sexual Assault Services: A Systematic Review. PLoS ONE, 15(4), 130. https://doi.org/10.1371/journal.pone.0231260.
Tan, J. (2019). Etiqa Now Offers Critical Illness Insurance Coverage for Mental Illnesses. Retrieved Online from https://ringgitplus.com/en/blog/Insurance/Etiqa-Now-Offers-Critical-Illness-Insurance-Coverage-For-Mental-Illnesses.html. March 26, 2020.
Wiznia, D. H., Maisano, J., Kim, C. Y., Zaki, T., Lee, H. B., & Leslie, M. P. (2017). The effect of insurance type on trauma patient access to psychiatric care under the Affordable Care Act. General Hospital Psychiatry, 45, 1924. https://doi.org/10.1016/j.genhosppsych.2016.12.006.
World Health Organization (2001). Mental Health: New Understanding, New Hope. Geneva: World Health Organization.
Yee, T. J. (2020). FWD Takaful and Naluri Hidup Partner to Offer Digital Therapeutics Programme as Part of Cancer Plan. Retrieved Online from https://www.digitalnewsasia.com/business/fwd-takaful-and-naluri-hidup-partner-offer-digital-therapeutics-programme-part-cancer-plan. March 26, 2020.
Yucel, A., Sanyal, S., Essien, E. J., Mgbere, O., Aparasu, R., Bhatara, V. S., Alonzo, J. P., & Chen, H. (2020). Racial/ethnic differences in treatment quality among youth with primary care provider-initiated versus mental health specialist-initiated care for major depressive disorders. Child and Adolescent Mental Health, 25(1), 2835. https://doi.org/10.1111/camh.12359.
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2020-12-14
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Khairi, K. F., Laili, N. H., & Kamarubahrin, A. F. (2020). Takaful Scheme for Mental Health Disorders: A Systematic Literature Review. Al-Uqud : Journal of Islamic Economics, 5(1), 29–42. https://doi.org/10.26740/al-uqud.v5n1.p29-42
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