A Brief Guide to Mirror Wills

A Brief Guide to Mirror Wills

There are a few different kinds of Will you can make. We recently spoke about trust Wills, and another type of Will you can make is a mirror Will.

A mirror Will is commonly used by married and unmarried couples who have similar wishes about where they want their possessions to be left. They are two separate legal documents that are practically identical in every way. They only differ in the name and possibly the funeral arrangements. However, after a mirror Will has been made, either person can subsequently change or update their Will. This is the same after one of the people has died. There is no legal obligation to keep the original mirror Will.

Advantages of Mirror Wills

There are a number of advantages to mirror Wills. They can be a cost efficient way of making a Will, especially if you and your partner have the same or similar wishes for your estate and possessions. They also allow you to leave all of your estate to your partner or spouse, which makes the Will writing process simpler.

Another advantage of a mirror Will is that, though the Wills are mirrored, each person has their own Will. This means that you can add Trusts to your own Will without affecting the other Will.

Disadvantages of Mirror Wills

The main disadvantage of a mirror Will is that one person may change their Will without the need to change both Wills. This can cause problems with the validity of the mirror Will. It can also cause problems if you die before your partner, as they can then change the Will to leave your assets to someone you did not want to leave them to.

Wills are also invalid if the other person remarries after your death. In this case the surviving partner then has full control of both their own and your assets.

How to Protect Your Own Assets in a Mirror Will

If you wish to protect certain assets in your mirror Will, then you can place certain assets into Trusts. This puts you in more control, especially after you die, as your partner can not leave the assets in the Trust to someone else.

The terms of the trust may allow your partner to benefit from your assets during their lifetime. Then if they die or remarry, your assets in the trust will go to the beneficiaries you choose.

If You Die Without A Will

In England or Wales, if someone dies without making a valid Will, then the law will decide who gets what. If you have no living relatives, then all your property, money and possessions go to the Crown. If you have children under 18, then other people can make decisions about who will take care of them and manage their finances, education and living arrangements until they turn 18.

How We Can Help

Here at The Inheritance Experts, we work with solicitors who have a wealth of experience dealing with Wills. Contact us today by filling in our contact form or by calling us on 01614138763 to speak to one of our friendly knowledgeable advisors.

Writing A DIY Will

There are many things to consider when writing your Will. Whether to use a professional Will-writing service or write a DIY Will is one of the considerations. If you choose to write your own Will, there are a number of things you must do in order to make sure it is legally valid.

The most important thing that you need to do when writing your own Will is make sure you know what the law requires. If you do not do this correctly, your Will may be invalid or ineffective.

To be valid, a DIY Will, or holograph Will, as it is known in legal terms, must be executed in accordance with the requirements of section 9 of the Wills Act 1837. In this, the Will must be “Signed by the testator (the person making the Will) with the intention of it giving effect to their Will in the presence of two witnesses, who each sign the Will in the presence of the testator.” There are new rules due to the pandemic, which state you may now also use video witnessing for your Will.

You also need to be of sound mid to write your Will. It is important when writing your Will as it proves that what you write in your Will is what you actually want.

You must also make sure that, when you write your Will, you use terminology that is clear and avoids ambiguity in the eyes of the law. The Will must clearly state your wishes and you must use the correct terminology to avoid the Will being found to be invalid.

What Needs to go in a DIY Will?

If you choose to write your own Will, there are a number of things that you must include. These things are:

  • Your personal information (full name, current address, date of birth, details of any children you have and their dates of birth, relationship status)
  • Your estate (the items of value you own, either alone or joint with someone else. This includes property, accounts, stocks and shares, or any foreign property)
  • Any debts
  • Your beneficiaries (including the names and addresses of the beneficiaries)
  • If you wish to leave any gifts to charity
  • Your executors (you can choose one or more than one)
  • Legal guardians for your children (if you have any under 18)
  • Your other wishes (such as Trustees or funeral wishes)

If A DIY Will is Invalid

When a DIY Will is invalid, then the previous Will, if there was one, would be the legal Will. If there is no previous Will, then the Rules of Intestacy come into effect. These rules place family members in order of who should inherit your estate. This order is decided by the law.  It can also lead to lengthy legal disputes for families. So it is vital to make sure that your Will is written exactly how it would be if you used a professional Will-writing service.

How we can help

Here at The Inheritance Experts, we work with solicitors who have years of experience in dealing with all manner of inheritance cases. This includes issues with DIY Wills. Contact us today by filling in our contact form or by calling us on to speak to one of our friendly knowledgeable advisors.

Rise in Making A Will due to the Pandemic

Before the pandemic, less than half of UK adults had made a Will. This has since risen during COVID-19, with a rise in enquiries concerning making a Will of 75% since the start of the pandemic. The Financial Times reported in March that some law firms saw enquiries double in the first few weeks of lockdown.

This is no surprise as the worry of losing a loved one has been at the front of many minds during the pandemic. Many people may have also thought about making sure they care for their loved ones should something happen to them. Thus leading more people to think about making a Will.

Making A Will During the Pandemic

We reported back in August that video Will practices have now been made legal. This is a temporary measure until January 2022. This refers to the fact that it is now legal to have a witnessing of a Will made by video, by two witnesses. The video will witness news comes amidst an effort to limit the necessity of in-person witnessing of wills due to social distancing precautions. The temporary measures include any Will written from 31st January 2020

There are certain rules to this temporary amendment of the law. These rules include:

  • Making sure the audio and video are both clear
  • Ensuring that the witnesses can actually see them signing the Will
  • There must be a clear line of sight of the Will
  • Treat this option as a last resort

There are also some exclusions from the temporary change. You can find out more information about the temporary rules here.

Rise in Gifts Left to Charity in Wills

Not only has their been a rise in people making a Will, more people have been donating to charity in their Wills. This could be thanks, in part, to people like Captain Sir Tom Moore, who raised over £33 million for the NHS during the first lockdown. People wanting to remember a charity that means a lot to them could be another contributing factor.

We have written previously about leaving gifts to charity in Wills, and, with many charities having to pause or stop their work due to lockdown or restrictions, they may now need donations more than ever.

There are statistics that state that, during lockdown, the amount of money left in Wills as legacy donations surged to £35 million. This is compared to around £4 million previously. This is a positive step, as charities rely heavily on legacy donations to continue the work that they do.

How We Can Help

Ultimately, people want to make sure that they care for their loved ones after they die. This is the main reason that many people choose to make a Will. Here at The Inheritance Experts, we work with solicitors who have years of experience dealing with all manner of enquiries. This includes enquiries about Wills. Contact us today by filling in our contact form, or by calling us on 01614138763 to speak to one of our friendly, knowledgeable advisors.

A Brief Guide to Trust Wills

A Trust Will is one of the three main types of Will that you can make. They provide an extra level of protection of your assets for the people you want to leave something to.

When is a Trust Will Used?

A Trust is a legal structure that you can include as part of your Will. They are most seen in circumstances such as:

  • Where you wish to protect your estate against possible future care fees
  • When you have a spouse or partner, but have children from a previous relationship
  • When you wish to leave some of your estate to a vulnerable or disabled person

Types of Trust Wills

There are three types of trust Will. These are property Wills, life interest Wills, and discretionary Wills.


A property trust Will can help you if you have a property which you wish to protect for future generations. It can guarantee who benefits from your property if your surviving partner remarries after you die, or if they write a new Will after your death. It can also help reduce the potential impact of future residential care fees on a home.

Anyone who owns property with someone else can have a property trust Will. This is true whether they are married, unmarried or in a civil partnership.

Life Interest

A life interest trust Will can help if you have significant investments or assets as well as property which you wish to protect for future generations. It can guarantee who benefits from cash assets and investments if your partner remarries after your death, or writes a new Will after your death. It also allows you to pick a nominated person to benefit from the income generated from your investments if you die, whilst also protecting the capital value.

Anyone who holds cash assets and investments who wishes to take care of a nominated person, but also help protect the value of investments for a specific person can have a life interest trust Will.


A discretionary trust Will can help if you wish to appoint trustees to manage the inheritance of vulnerable people in your Will. It can guarantee that there is someone to help any vulnerable people manage their inheritance. It also reduces the potential risk of their inheritance compromising their state benefits.

Anyone who wishes to leave inheritance to loved ones who lack the mental or physical capacity to look after their own affairs, loved ones who have a disability and run the risk of their benefit entitlement being compromised, or loved ones who are in a vulnerable position can have a discretionary trust Will.

Trust Will Disputes

Unfortunately, there are situations where a trust Will may be disputed. This can happen when one of the trustees misinterprets the intentions of the trust, for example. If you want to challenge a Trust, then talk to The Inheritance Experts, as we may be able to help.

Here at The Inheritance Experts, we know how important it is for people to get their Will in correct order. If you are looking for advice on Wills, contact us today by filling in our contact form, or by calling us on 01614138763 to speak to one of our friendly knowledgeable advisors.

A Guide To Handling a Trust Dispute

When a family member passes away, it’s a hard time for everyone who knows and loves them. It can make it difficult to deal with the legal side of things, specifically executing their will and the potential of a trust having been left. A trust dispute, for instance, is a particularly difficult piece to deal with.

If a trust is in place and you dispute how the trust has been set up or the distribution of your loved one’s assets, we can help.

This guide will give you the information you need to help settle the trust dispute in the right way. Moreover, you can make sure the result is what your family member wants.

What a trust dispute is

Death is not something you will hopefully face regularly. Accordingly, that means you won’t know all the legal jargon surrounding the leaving of an estate through a will. To begin with, you need to know exactly what a trust is.

A trust is when the testator leaves some of their estates to a trustee. In turn, the trustee ensures that it then goes over to a third party. Known as ‘the benefactor’, they take charge at the appropriate time. This is often the case when money or assets go to someone under the age of 18; in essence, safeguarding their inheritance.

What are the grounds to start a trust dispute?

There are many reasons why a trust could be up for dispute. These include:

  • Administration or running of the trust;
  • The value of the assets;
  • The interpretation of the trust, and;
  • Difficult trustees or feuding beneficiaries.

The above are the most common problems you will encounter but are not the only ones. Being aware of the issues particular to your circumstances that could arise from the start help. In short, it will hopefully mean you can see potential problems further up the road and take evasive action.

How do you resolve a trust dispute?

The most effective way to resolve issues is to

  • seek out legal advice and;
  • should it come to it, representation from legal professionals who specialise in inheritance law.

Trust dispute solicitors are experts in the field and can help you with the process of handling a trust dispute.

It is important that you get professional legal support. You need to make sure that the assets left behind by the testator distribute fairly and to the right people.

With money clouding the matter, some people only have their own interests at heart. That’s true even in the aftermath of a death, and this can lead to dispute. Trust disputes can be confusing and distressing, so the best thing you can do is to act quickly. In short, you need to ensure you are doing right by your family member’s wishes.

How we can help

At The Inheritance Experts, we work with specialist law firms who are experts in helping people to resolve trust disputes. This means they are also competent enough to help you and ensure you receive fair treatment on the terms of a trust.

If you believe you have grounds to dispute a trust your loved one put in place and want to know if you have a realistic claim, do not hesitate to get in touch with The Inheritance Experts via the contact form on our website or by calling 0161 413 8763.

How to Contest a Will

If you are considering contesting the will of a relative, it is vital that you are aware of the processes before you start to contest it. That’s true whether you believe that

  • the will is unfair;
  • it isn’t legally valid, or;
  • the testator suffers from undue pressure into making certain people beneficiaries.

This guide will help you to navigate the often complex world of contesting probate.

Contesting a will or contesting the process of probate when a will is valid can only be done by certain people. These people include the testator’s

  • living relatives;
  • those who were a beneficiary in a previous will, and;
  • those with significant reason to believe they’re a beneficiary in the latest will. For instance, if a promise has been made to the person by the deceased.

In addition, a contest of probate must also fall under one of a few categories. These categories include:

It is also important to remember that the time limits for contesting probate are strict. Therefore, you should make sure that you contest the will or the probate process within six months in some cases. However, in some circumstances, there is no time limit as to when you can contest the will.

How to Contest a Will

Contacting a specialist solicitor

If you are considering contesting a will, it is important to find out whether you have a viable claim. This is where The inheritance Experts come in – one of our advisors will speak to you on a free, no-obligation basis and will advise you whether you have a valid claim that has a good chance of success depending upon the facts.

Finding Grounds and Evidence

So, you have a claim that potentially has a good chance of success and you choose to go forth. We’ll put you in touch with a specialist solicitor with experience in wills and probate cases. They’ll also have a track record in achieving positive results for their clients.

Together, you will collect any evidence that you need to make your case. Subsequently, your solicitor will advise you what the best grounds are to contest the will.


Once this is done, most solicitors will suggest mediation with the other beneficiaries. Often, this is the best possible first step to attempt to resolve the dispute.

During mediation, you will hold a discussion with the other beneficiaries. A third party without bias leads the discussion, helping you manage your disputes. This is with the aim of resolving any existing issues, any further issues that arise during the discussions and, ultimately, guiding all of the beneficiaries to a conclusion that everyone is happy with. In many cases, mediation will resolve the claim, and the case will not need to continue.

Going to Court

If there’s no resolution through mediation though, it will go to a probate court. There, a judge will balance the evidence and decide the merits of each beneficiaries’ claim. Also, they’ll consider the wishes the testator expresses in their will.

Going to court can be a long and costly process though, and you may not receive a result for a number of years if the judge is unable to make a decision. As we say, the case progressing to court is also extremely expensive. Moreover, if you lose, you may have to pay the other beneficiaries’ legal fees in full.

How to contest a will with our help

At The Inheritance Experts, we work with specialist law firms who have a proven track record in handling wills and probate disputes. This means they are well-placed to help you get the proportion of the estate you are entitled to.

If you believe you have grounds to contest a will and want to know if you have a realistic claim, do not hesitate to get in touch with The Inheritance Experts via the contact form on our website or by calling 0161 413 8763.

Challenging A Will: 3 Key Questions Answered

Losing a family member leads to a very distressing time. Particularly if you then find out that you have been left out of their will. Challenging a will, hence, takes that level of distress even higher.

Therefore, this may mean that you will need to contest their last will and testament. Here are some of the main queries you may have when it comes to challenging a will.

Who Can Challenge a Will?

  • Blood relatives. These are the people most likely to contest a will.
  • A spouse. This is true regardless of whether they are still in marriage to or split from the testator. If the marriage to the testator remains intact, they have the right to challenge the will.
  • A creditor. This is if the testator’s estate owes a creditor money.
  • A beneficiary. This can be someone in an earlier will.
  • An individual who relies on the testator. This can be through financial support or accommodation.
  • An individual who receives a promise to an item. This could be a verbal or written agreement between the testator and the individual. Then, a challenge can be made if the agreement wasn’t set in the will.

Why Might Someone Be Challenging a Will?

There are a variety of reasons, both legal and personal, why someone is challenging a will.

For example, a person might contest a will if they feel that they receive unfair treatment. Therefore, they would be challenging the will as a matter of principle. As part of this, they may also feel that they know the testator’s intentions. More importantly, they feel as though the will doesn’t speak adequately enough to those intentions.

In order to prove this, the person would need to show that they had a close relationship with the testator. Again, this can be shown in a variety of ways. For example. the two are in a marriage, or a long-term relationship and cohabitation.

The legal grounds for contesting a will, meanwhile, are as follows:

  • The will is invalid. For example, incorrectly made or doesn’t have signatures in the presence of two independent co-signing witnesses.
  • The writer of the will isn’t mentally fit enough to be signing a legal document.
  • The document or signature was forged. However, this can be very hard to prove.
  • The writer of the will faces pressure/coercion into creating the will or changing an existing will.
  • The will doesn’t adequately provide for those who were financially dependent upon the testator.

What Exactly Happens When You’re Challenging a Will?

In the first instance, check that the person contesting the will has the right to do so. If so, proceedings will begin for negotiation and mediation. The solicitor will seek an agreement which benefits all parties involved, in the quickest time possible and with minimal financial expenditure.

However, the best intentions of any legal parties and individuals might fall short. In fact, it may be impossible to come to an agreement during the mediation stage.

If this is the case, the issue will then be taken a step further to court, and you will adhere to a court hearing. This could include a wait of at least 12 months before an official court date, therefore this avenue is particularly time-consuming and expensive.

An affidavit will need to prepare in advance of the hearing. Moreover, a court will hear the argument and come to a resolution.

How we can help

If you are considering contesting a will, it is important to seek legal advice as soon as possible. At The Inheritance Experts, we help people who want to contest a will or trust get what is rightfully theirs.

When you call us, one of our advisors will chat through the particular circumstances of your potential claim and advise whether you may have grounds for a claim. This is done on a free, no-obligation basis.

If you proceed with your claim, we’ll match you with the firm who best suits the circumstances. Your solicitor will then collect any evidence and will begin negotiating with the other side.

If you are thinking of challenging a will and would like to know if you have grounds for a valid claim, don’t hesitate. Contact The Inheritance Experts by filling in the contact form on our website or by calling 0161 413 8763.

Contesting a will of a stepparent: the basics

Contesting a will of a stepparent, in short, is a tricky matter in relation to inheritance disputes. Intestacy rules try to evolve to keep up with the parent and the step-child of the family.

It’s not uncommon nowadays for many families and children to have stepparents, and live with them, for a variety of reasons. Especially if you are a step-child who is:

  • very close to their stepparent and;
  • considers them as good as your biological parent for the entirety of your life

The fact is, it can be very upsetting to learn that they may have left you out of their will. Or, if they don’t give you what you feel they owe you as stepchildren.

However, as a step-child, it may be an area of uncertainty whether you have the right to contest the will of a step-parent. In fact, atypical family setups featuring non-blood relatives alone add difficulty to traditional estates.

That’s why, at The Inheritance Experts, we commit to helping you in these circumstances. Moreover, we’re here to advise the steps to take for contesting a stepparent’s will.

Circumstances around the drawing up of the will

Firstly, a will needs to have been made by an individual who has a sound mental capacity to do so. Therefore, your first step may be to evaluate your stepparent’s mental state during the time they wrote the will. Moreover, you must deduce whether they were of sound mind to do so.

Indeed, it can be very difficult to prove mental incapacity regarding the formulation of wills. But it’s a good starting point if you do believe your step-parent didn’t have the requisite mental capacity to distribute their assets accordingly.

This also applies if you suspect that the stepparent, despite being sound mind, faces undue influence from someone as they write the will. Bear in mind that much of the legislation revolves around a claim under the inheritance provision of the Family and Dependents Act 1975.

Your Legal Rights for Contesting a Will of a Stepparent

Financial provision in stepfamilies is an increasingly common scenario in the nuclear post-War era. To be sure, your legal rights aren’t as profound as those of biological children: blood relatives or direct children, as it were.

But you can contest the will of a step-parent if any of the following applies to you.

  • Your step-parent made a firm promise to you that you would receive a certain asset in their will. However, this agreement isn’t made clear in their Last Will and Testament.
  • In addition, if you depend financially on your step-parent. Perhaps you continue living with them after your biological mother or father dies/moves on. Or they were the sole financial providers – but these financial expectations get no coverage in the will.

What matters is the ability to establish your position. Moreover, that you prove that you were financially dependant on the step-parent in question. Therefore, by extension, they deserve a fair inheritance.

To fully understand whether your circumstances merit the need for a contesting of the will, seek sound legal advice. There are many factors worth consideration by a legal representative. Plus, there are some other considerations regarding the court, should the will contest go forth.

Seek Legal Advice for Contesting a Will of a Stepparent

  • How close you were to the testator;
  • The extent to which your stepparent supports you, and;
  • Also, your age when the stepparent joins the family.

If you are unsure whether your circumstances apply, then don’t hesitate to contact us.

How Long Does it Take For a Will Contest to be Resolved?

The grievance process is difficult enough, but it can be made significantly longer if a will dispute is needed. Many loved ones may be hurt and angry if they feel as though they have not been adequately covered in a final testament, which then leads to a will being contested. Which begs a common question: How Long does it take for a will contest to be resolved?

Our solicitors at The Inheritance Experts are experts in the area of will contesting: contact us for legal advice if you believe a will should be contested, whether it is on behalf of yourself or someone else.

What it Means to Contest a Will

Contesting a will means that a party close to the deceased feels as though they disagree with how the assets have been shared out within a will, such as not feeling as though they have received what they are fairly owed, or due to negligent behaviour.

Grounds to contest a will include:

  • Fraudulent wills
  • Forged wills
  • A lack of knowledge
  • Testamentary capacity
  • Lack of valid execution

In order to contest a will, the individual needs to have the legal right to do so. That means that contesting can only be made by the following:

  • A spouse
  • Direct family members
  • Beneficiaries
  • An individual who relied on the deceased for financial reasons
  • A creditor to whom the testator was in debt to
  • An individual promised an asset by the testator, but did not receive it in the will

How Long You Can Expect the Process to Take

Contesting a will relies on time, both with a time limit to submit your case, and then the time frame you can expect to wait following the opening of the case.

How Long Does it Take For a Will Contest to be Resolved? The Time Limit

You have until the executor starts distributing the testator’s assets in accordance with their Final Will and Testament, after the grant of probate. Sometimes, it’s possible to submit a claim after the commencement of distribution. Therefore, it’s advisable to do it beforehand to make for an easier process.

As with anything, as soon as possible is always beneficial, and the earlier you begin, the more likely it will be that you succeed.

The only time that experts don’t advise an exact time limit is with a case of fraud, wherein you would have as long as is necessary.

The Expected Time Frame after Commencing the Case

In short, don’t expect the process to be a quick one.

Firstly, the best way to resolve the dispute is via the means of mediation, which can be a long process. There is always the risk that mediation may not be successful. In turn, the contesting of a will then require court proceedings.

From then on, there is no designated time frame regarding how long the court may take to make a decision: it may take a few months, but it could take anything up to a few years. It also depends on the complications the case presents: do bear in mind that every case is unique.

Therefore you should expect the overall process to take a couple of years, and anything less will be an advantage.

Can an Executor be Removed From a Will?

If an executor is removed from a will, certain grounds are clearly not being met. But first, a quick summary of what an executor to a will is. Because being a professional executor is not easy in the first place.

The Official Law

Regarding an inheritance dispute, the executor administrates business pertain to the testator’s will. But say the executor doesn’t meet the duties inherent with the job.

Accordingly, Section 116 of the Senior Courts Act 1981 states that

the court has the power to remove a personal representative, or executor before the Grant of Probate.

An executor of a will is a person who carries out the instructions the testator provides. They’re also responsible for trying for maximum gain when it comes to sharing out assets.

  • Such as selling property at the right time to receive the highest return.
  • Or being responsible for the handling of the correct amount of taxes.

That said, any witness statements or ensuing legal costs that come with the administration of the will often fall to the executor of the will as well.

You can assign more than one person to be an executor, in short. However, many people find that assigning just one person is the most constructive way to operate.

Who is Eligible to be an Executor?

It is up to the testator (deceased person) to decide who they wish to be an executor. Additionally, they can choose anyone they like, as long as that individual is 18 years of age or over. Common choices include spouses or children, which means executors can also be included in the will, too.

On the practical side, the executors appointed may be legal representatives and individuals with sufficient experience instead.

An executor must be a trustworthy person, one who is able to follow the testator’s instructions.

What Happens if You Don’t Have an Executor?

A situation might arise where parties cannot elect or find a capable executor to administer the estate. In such cases, there is a government official who is able to step in should you be in need as a last resort.

Can a Chosen Executor be Removed from a Will?

Dismissing the executor of a will is the responsibility of the testator during the course of their life. However, following the testator’s death, removing the chosen executor becomes more difficult.

But the application to remove an executor (by way of application to the court) is not unheard of, either. In short, a court can remove the executor from a will if one of the following things occur.

  • First, if it can be proven the executor is incapable of performing the duties of the executor role.
  • Second, if they are unsuitable for the position.
  • Third, if since the death of the testator they are now ineligible to serve as an executor.
  • Fourth, if they are acting unreasonably and not in the testator’s best interests (‘best interest’ is a determination of the court).

Also, if there exists a severe conflict of interest.

Finally, if there are any legal ineligibility criteria. For instance, mental conditions which prevent the executor from acting as the role demands.

How is an Executor Removed From a Will?

The removal of an executor can only take place through court proceedings. Accordingly, the High Court will decide on the manner of removal using the details and reasons listed above. Moreover, they’ll attempt to address the future administration of the estate.

To begin these proceedings following the death of the testator, the relevant party must file for a court proceeding. This individual needs to have a share of the will to have the ability to file to remove an executor.

Once court proceedings start, the legal representatives for the executor and the individual filing for removal will show why they either believe they must remain or leave as the executor. The reason for removal requires establishing.

If you are concerned that the executor of an estate is not acting correctly, contact us for advice. We work with leading solicitors who specialise in handling executor disputes to resolve issues swiftly and fairly.

At The Inheritance Experts, we can offer support and advice to appoint or remove an executor. Contact us today should you wish to discuss.

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