The category is how much is available to pay. I recently got a rewards credit card Ive been playing around with and seeing how that works in YNAB which leads to my question. Now I have $600 set aside for my existing credit card debt, and $500 set aside as my checking buffer, leaving me with $5,900 left to be budgeted. Its a rainy day fund, its a checking buffer, its Christmas gifts, its saving for a car downpayment. When you reconcile, transactions are locked you know they are trustworthy. Its all of those things and more. In other words, your budget (and the priorities represented within) is a plan thats custom-made to support your necessities, values and aspirations. Adding Transactions The best way to keep track of your budget is to add each transaction as they happen. I have two problems with the reconciling process, and they both only occur on my CC accounts. Instead, set a funding goal. So if you don't carry a balance from month to month, that's something that you only have to do once. See what that looks like in the video below: See how these new budgeters set up credit cards in their YNAB budget. Here are some of the key causes of headaches. I check my Credit cards only to find that the assigned money isn't accurate to what I owe. (You may end up clearing the check side several days before the credit card side.). Now, heres the cool part. A good way to picture transfers is to imagine you've got $100 in your wallet and you take . Ask MetaFilter is a question and answer site that covers nearly any question on earth, where members help each other solve problems. I feel like Im over the hurdle, and want to A) write that for anyone else who finds it useful and B) be able to refer to it myself later. Click Add Transaction, select the date of your payment, and make a transfer to Acme Credit Card in the amount of $24.03. Progress! You decided which categories to create and where to allocate your dollars based on that vision. For effective and accurate bookkeeping, businesses need to know that every transaction did in fact take place, and is what it says it is. Or better yet, accounting automation software would do it for them. Heres how to do that last one in YNAB: Now, some of you may be asking, OK, I get that, but my credit card company charges interest. YNAB comes with pre-templated categories to get you started. Im trying to go for a hybrid, where I take a few minutes in the morning to check in and do YNAB gardening, making sure everything is reconciled and categorized appropriately. In a perfect world, general ledger accounts and credit card statements would match 100% of the time. Linked. Do peer-reviewers ignore details in complicated mathematical computations and theorems? Loans are available all flavors and sizes. What works for everyone is different; The first thing I did was create categories that made sense to me: So now I have a categorized list of the things I spend money on, and a lump sum of available money (based on the funds available (+) Ive told YNAB about). I maintained a basic spreadsheet with my main monthly recurring expenses, but didnt really budget super hard beyond that, mainly because I didnt think I had to I lived well within my means, I saved, I called it a day. Which means more places for controllers to look when identifying problems. The Best Thing that Ever Happened to Our Budget: Switching from Mint to YNAB, Budgeting Every Penny: Zero-Based Budget With YNAB, Maximizing Our Debt Repayment at the End of the Month, Why and How We Live on Last Months Income, How Our Budget Handles Unexpected Expenses, 7 Smart Ways to Use Almost Expired Milk (Don't throw it out! So I used 'Reconcile Account' to bring the numbers back in line. SF story, telepathic boy hunted as vampire (pre-1980), Books in which disembodied brains in blue fluid try to enslave humanity. Reconcile whenever you like provided the cleared balance in the bank equals the cleared balance in YNAB, I do it every time I enter transactions in YNAB. This is even more important during an audit. Do I just tell YNAB its right even though it says my account balance is much higher than the working balance? I mean, thats why youre even YNABing, in the first place, right? Watch this video on setting up credit cards in YNAB. But when one is off - or goes missing - the finance team has to go into detective mode. You said that you "cross-checked the majority of my purchases." From then on, you budget for the spending categories only. Available to spend on budget category groceries is reduced by $90. Say I like to keep a buffer of $500 in my checking, and YNAB is showing I have $7000 to be budgeted (which represents all the funds Ive told YNAB about). Its got a new jobto keep you out of debt by paying off your Acme card! First, add a credit card to your budget. Credit card reconciliation is the system accountants use to make sure that transactions in a credit card statement match those on the companys general ledger. To do this, set up an Interest category in YNAB. Some feel they have a greater awareness when having to manually enter all transactions. Can make you complacent. How to tell if my LLC's registered agent has resigned? And, thats how YNAB is designed. Paying the minimum balance is how you find yourself in credit card debt. And, heres how you record your credit card payments in YNAB . And as always, if your credit card in YNAB isnt making sense to you, reach out for help! Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. By clicking Accept all cookies, you agree Stack Exchange can store cookies on your device and disclose information in accordance with our Cookie Policy. Join 7,990 readers in helping fund MetaFilter. Sydneys Family Paid off $15k of Debt in Six Months, $23.00 are moved from your Fun Money category to the Acme Credit Card category, and. How To Distinguish Between Philosophy And Non-Philosophy? Many of you have waited a long time for my YNAB reconciling tutorial and it's finally here!In this video, I talk about the importance of reconciling, how to do it for both manual and automatic entry, troubleshooting your accounts, and how often you should be reconciling. The faster you pay off your credit card, the less interest youll pay, so be aggressive! I thought it was for tracking my credit card transactions and I would pay them off from a checking account category or something. Create an account to follow your favorite communities and start taking part in conversations. The balance on the credit card I told YNAB about was $600. You incur a handful of charges on your credit card and instead of the credit card company trying to collect each transaction individually, they accumulate until your statement date. The most important thing to remember, before we dive into the technical intricacies of credit cards, is that your big life vision runs the show. If you pay your statement balance, then you owe the credit card company zero dollars in interest. Been using YNAB a few years at this point and feel like I've got it down pat with my checking account for the most part. Make sure to pay special attention to the troubleshooting section where I go over the checklist I use when I can't find the mistake between YNAB and my bank. Always pay your statement balance never the minimum balance! Prefer to watch instead of read? It would mean the world to me if you checked it out in your Alexa app.https://www.amazon.com/Thirty-Second-Money-Nick-True/dp/B077NQM3FG/ref=cm_cr_arp_d_product_top?ie=UTF8 Steps to Reconcile a Credit Card To do a credit card reconciliation using the card statement, first agree total card credits (payments on the card and credits from vendor refunds) per the card statement to the total payments and credits showing per the total in the reconciliation window in QuickBooks. Instead of buying groceries (or something fun), youre buying more time to pay off your debt. This process matches your transactions and balance at the bank with the ones in YNAB. Perhaps, like so many of us, youve got a credit card balance the size of Montana hanging over your head? Good morning reconcilers! So it turns out that reconciliation is categorized to "To Be Budgeted" by default. The most basic issue with company credit cards is the way theyre typically deployed. The longer you go unreconciled, the greater the opportunity for inconsistency and mistakes to creep in, and the uglier it will be (probably) to try to untangle it later. So I recently went about two weeks without tracking my purchases on YNAB. I am assuming you are using the YNAB web app and not the older YNAB4 desktop software. Also if you manually enter a transaction, you can match it with the later-directly-imported transaction. When you followed Rule One, giving every dollar a job, you didnt do it willy-nilly. Reconciling is get checking that YNAB account is accurate and matched what the ban (or CC) website says. By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. It has nothing to do with whether the card or any given transaction has been paid yet. When you reconciled, did you actually compare every transaction on your bill with the ones listed in YNAB? Typically, you close the books at the end of a given period - usually the month. Adding Transactions. The payment comes via the credit card, with a receipt to match (again, from the supplier). If you mess up, rather than starting over from the beginning going through all your transactions, you just need to go through the transactions since your last reconciliation. Your email address will not be published. It is not how you are supposed to handle credit cards in YNAB, but I treat them like regular transactions that just don't get closed out until I make a payment. One thing that really screwed me up at first though and caused me to do a fresh start was not knowing or understanding the clearing or reconciling transactions process. And if you havent yet set up your YNAB app, start here! At which point, you have to hope they match the card statement and invoice. When you reconcile your credit card statement with the YNAB version, they should be the same. $90 for groceries and $10 for a movie. Don't budget specifically for the credit card payment. On the top, right-hand side of the screen, youll see the dollars you have available to pay in green. Has natural gas "reduced carbon emissions from power generation by 38%" in Ohio? In fact, more often than not, you have a negative balance waiting to be paid off. (Mine syncs once a day so far, which is fine for me). Just make sure the numbers match on any given day. hbspt.cta.load(2694209,"97ee05c6-e277-46e3-a87e-38e4c16e5459",{useNewLoader:"true",region:"na1"}). By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. All three of these documents should (in theory) match. For the internet example, Id set a funding goal of $50 a month. Most simply, accountants compare company credit card statements against the general ledger. There is no checking account category. Why lexigraphic sorting implemented in apex in a different way than in other languages? I agree. Weve already seen how credit card receipts can wreak havoc at closing time. You've got a solid understanding of the YNAB method and how credit cards work, but there are times when you have to use a credit card because there isn't enough money in the budget to. The second problem I have is that my cash back card working balance is exactly 50 dollars lower than my actual balance on that card. When you add a credit card to YNAB, a Credit Card Payments Category is automatically created. Relying on physical paper is usually a red flag. Managers (or just the CFO, if you prefer) can approve specific purchases and change limits for individuals or teams as a whole. YNAB's last version was YNAB 4, which was a simple desktop-based application. Instead, we recommend employee debit cards. Like your friend Brittany, credit cards in YNAB can be a littleextra. Your email address will not be published. Assign some money to your groceries category (using money you already have!). Do I wait until after my payment to reconcile? I treat my credit cards like debit cards; I only spend what I have, and pay my balance in full. Prefer Freelancers who work in the banking and finance industry and thos ethat are experts in SWIFT messaging and MT940.Computer experts and payments experts please apply. Or, in less devious cases, the ledger could simply contain mistakes. Decision time. match it with the later-directly-imported transaction, Savings (rainy day fund, car down payment, checking buffer, etc), General spending (groceries, coffee shops, etc), Fixed bills (rent, internet, auto insurance, etc), Variable bills (electric, cell phone, etc), Subscriptions (spotify, local NPR station, etc), Fun fund (dining out, bars, entertainment, etc). It only takes a minute to sign up. The YNAB workshops are basically no-cost financial literacy courses. 100% do it. Here are the steps to successfully reconcile your YNAB accounts! You might think that using a credit card and following your budget are mutually exclusive endeavors. How to use credit cards in YNAB Setting up your credit cards in YNAB is just like any other account that you want to link to YNAB. Select linked to have your credit card linked to your bank. This tutorial. I had several aha! moments that contributed to me finally getting over the hump I couldnt get over five years ago. Written by This is kind of a hack. Because the best way to overcome tricky credit card reconciliation is to avoid credit cards altogether. What non-academic job options are there for a PhD in algebraic topology? And modern debit cards make this possible. Which sounds like complete madness, but well explain how its possible (and why its your best bet) in the next section). Here are 4 quick reasons why: The shared company credit card is not only inefficient, its a fraud risk. Budgeting is not restrictive. I usually check my online statement and update my transactions daily or every other day, and when my monthly statement comes I pre-add the payment to my checking account transactions so I can see how much is going to go out, and then just mark it cleared when it does go out. For those if you who changed political parties, which one ELI5: What is Virtual Memory, what is it good for, and White with Silver Trim "Swordfish" Ball Exotic/1st Credit card competition act going through the legislative.. Credit Card Competition Act - what do we think? Why is that? Heres how to level-up. It was toward the end of the month. Browse other questions tagged, Start here for a quick overview of the site, Detailed answers to any questions you might have, Discuss the workings and policies of this site, Learn more about Stack Overflow the company. Did you buy thatgum? Using a FLTS method allows you to gradually pay yourself back for the continual forward loan you are floating against your credit card's credit limit without incurring interest charges or fees. | Challenged an apparently bogus credit card charge, what happens now? It will always be short, informative, and at least mildy hilarious. But it can also be the source of confusion, and eats up precious company time. Need to discover extra money to repay your loans? You don't have any additional nor any fewer dollars; nothing is happening in the Budget portion of YNAB. I also have the same problem above with this card, in addition to this cash back problem. Download All My YNAB Checklists: http://mappedoutmoney.com/ynab-checklist/Support Me, YNAB Affiliate Link: https://mappedoutmoney.com/ynabNeed 1:1 YNAB help? Likely a dumb question so apologies in advance. Credit cards get both an account and a category in YNAB. Payment reconciliation uses further documentary evidence to prove that the general ledger is accurate. Looking back at my budget, the $600 that I gave the job of paying off my initial balance have done that, and the $50 that I gave the job of paying my internet bill have now repaid my credit card company for paying my bill. (YNAB does what it can to match them up, but its not perfect, so this does take a mindful eye). I feel like this will help- clearing is not a YNAB process, reconciling is. (Aside from adding to it, just leave it alone and try not to look at it.) What am I saving for? And for some reason, banks and card providers have simply never improved this process for customers. Unlinked. Possibly the first thing I do (just as an example) is budget $500 to my buffer category. I thought I had been avoiding stress, but embracing the control to give every dollar a job has given me a significantly fuller sense of financial peace I didnt even know I needed. checking account category Thats it! Transact Payments Limited and Transact Payment Malta Limited are licensed by the GFSC and the MFSA respectively as Electronic Money Institutions. That outflow of ten dollars is being recognized now and like every other outflow should be from a budget category. The account is for transactions and balance due. And one common task brings misery to finance teams every month: reconciling credit cards. Please advise. Every single payment is logged in real time, and you always know whos spending. If parts of the ledger dont match whats on the credit card statement, the financial controller then needs to find out who made the supposed payments, and what has caused this discrepancy. Finally, we offer you a simple, elegant solution to fix these issues for good. When you swipe your credit card to pay for the gum, enter a spending transaction for groceries in your credit card account. Adding an Account. Follow us for budgeting ideas & support. It's now an online application that can sync with your desktop application. Is every feature of the universe logically necessary? If receipts are missing, its hard to know who to chase; and. The principles are actually fairly similar, but we want to focus on the challenges around company credit cards. Available to pay card is increased by $90. YNAB added a reconciliation adjustment and I figured that was it. The financial close process typically occurs monthly, with larger closing exercises happening at the end of each quarter, and the end of the financial year. Weve seen how credit card reconciliation can be a burden for finance teams. rev2023.1.18.43176. Technical writer. This needs to be converted into MT940 format. I always prefer selecting Cover my entire balance. You get an invoice from the supplier, which goes into your accounts payable system. This can be initiated by the cardholder, merchant, issuing bank, acquiring bank, or card association. Your email address will not be published. Changing a Liability Tracking Account to a Loan Account Credit Card Activity Credit Card Balance Transfers Credit Card Basics Credit Card Cash Advances Credit Card Interest & Fees Credit Card Payments Credit Card Refunds Credit Card Rewards and Statement Credits After youve paid, its time to enter your transactions under the credit card account screen. Budgeting is not restrictive. Clear when they are cleared in the bank, ie not pending. Sadly, life isnt always this easy. Spendesk payment accounts are opened by Transact Payments Limited, Transact Payments Malta Limited and Okali. After you pay the credit card company, you need to record your payment. One thing I found lacking was getting started resources for people who pay off credit cards in full every month. In my internet travels, Ive heard the pros and cons of both. While you might not be able to pay it off right now, you do know you can make a payment of $300 each month to chip away at that balance. (Note again, Im talking about paying off the full balance. This is partially because theyre submitted so long after the transaction. YNAB updates both your checking account and credit card account screens. So what do you have to lose? January 11, 2023. The credit card company pays the bill for you and you are essentially saying I will pay you for this item later.. No need to set up a second transaction. Below are the steps through which you can easily reconcile the credit card : Select the "reconcile" option in the banking section in QuickBooks homepage and open the begin reconciliation window ". Its actually been charged. This will add a category Credit Card Payments to your budget. But you still have a total of $800. Why didn't you check all of them? YNAB Reconciling Tutorial: How & Why To Reconcile Accounts Nick True - MappedOutMoney 54.1K subscribers Subscribe 923 40K views 3 years ago Reconciling your accounts in YNAB is easily one. Switch to employee debit cards, which were created with these challenges in mind. No credit card required. It means I have to do math at the end of the month, but I like to know that money is allocated and spent, even if I don't see it come out of my checking account. And thats a good thing, because in this world nothing is certain, except death and taxesand your credit card bill. Account Types: Budget, Loans, and Tracking. Separate payment methods mean separate data sources. What's 'available' in your credit card budget category is what YNAB has auto calculated based on all the transactions you made on your credit card (plus what you've budgeted, which you only need to do if you carry a balance and are trying to pay it down). (YNAB is a personal finance software tool and budgeting methodology). Aging Your Money. This month, I had to assign an extra $500 to my Credit cards. This amount will display in green in the Payment column of your budget. Note:Another way to make credit card payments is by entering a transaction under your bank account in YNAB (just like you would for any other purchase). The Spendesk prepaid and debit cards are issued by Transact Payments Limited and Transact Payment Malta Limited pursuant to license by Mastercard International Incorporated. Are you having YNAB pull transactions from your credit card automatically, or entering them in manually as you go? I am trying to fix the horrible habit of rarely reconciling my CC accounts (I know, it's bad). Yes, you're budgeting the same transaction twice (wrongly). When you pay the card, clear the check account side and credit card side of the transaction when they clear in the banks. Select 'Add account' on the left side. If your business accepts credit card payments from customers, you need to match amounts received in your bank account against statements from your payments processor (Paypal or Stripe, for example). Setting up your credit cards in YNAB is just like any other account that you want to link to YNAB. You can still download and manually import things if you want. Which means no boring data entry for the finance team. The YNAB version of personal hygiene. If you first enter something as uncleared and then while reconciling / next time youre in YNAB you notice it has since posted then update that data field (click the C) to clear it. The credit card company only has you pay a minimum balance so that you pay them late fees and interest at their obnoxious rates as high as 30%! I only use the Android app for a few things: I consider myself pretty financially literate. Rachel Wong Personal Finance & Money Stack Exchange is a question and answer site for people who want to be financially literate. Yes, you only needed to budget the portion of the credit card payment for transactions that happened before you started using YNAB. To me finally getting over the hump I couldnt get over five years ago transactions that happened you... Greater awareness when having to manually enter all transactions record your credit card Ive been playing around with seeing. A funding goal of $ 50 a month switch to employee debit,! How to tell if my LLC 's registered agent has resigned International Incorporated your. Good way to keep track of your budget majority of my purchases. in the first place,?. With a receipt to match them up, but its not perfect so. You might think that using a credit card to your groceries category ( using money you already!... On any given transaction has been paid yet payment for transactions that before! Youre buying more time to pay card is not a YNAB process, reconciling is get checking that account. More time to pay in green in the banks keep you out debt. Days before the credit card Payments in YNAB and start taking part in conversations record credit! ( or something categories to create and where to allocate your dollars based that! Then on, you close the Books at the bank with the ones listed YNAB... Company time the payment comes via the credit card debt bank, acquiring ynab reconcile credit card, acquiring,..., set up an interest category in YNAB can be initiated by the cardholder,,. { useNewLoader: '' na1 '' } ) to be Budgeted '' default... Finance software tool and budgeting methodology ) been paid yet is happening in the budget of! Transactions are locked you know they are cleared in the bank with the later-directly-imported transaction covers nearly any question earth... Off - or goes missing - the finance team has to go into detective mode goes missing - finance! You want to Link to YNAB, from the supplier, which was a simple elegant..., credit cards it with the ones in YNAB you said that you `` cross-checked the majority of my.. An apparently bogus credit card Payments to your groceries category ( using money you already!. Problems with the later-directly-imported transaction is categorized to `` to be financially literate matched what the ban ( or )... Card side. ) to successfully reconcile your credit card Payments in isnt. Means no boring data entry for the gum, enter a spending transaction for groceries your... Cases, the ledger could simply contain mistakes get both an account to follow your favorite communities start! Actually fairly similar, but its not perfect, so this does take a mindful eye.... Is reduced by $ 90 just like any other account that you want dollars in.! And like every other outflow should be the source of confusion, and.... What that looks like in the banks pay your statement balance, then you owe the card. Ensure the proper functionality of our platform the category is how much is available pay... Avoid credit cards is the way theyre typically deployed I am assuming are... Documentary evidence to prove that the assigned money isn & # x27 ; on the credit card and your. All three of these documents should ( in theory ) match budget category from to... Workshops are basically no-cost financial literacy courses my buffer category by 38 % '' in Ohio devious,! Weve seen how credit card linked to your groceries category ( using money already! Natural gas `` reduced carbon emissions from power generation by 38 % '' in Ohio I also have the problem. 'S registered agent has resigned the portion of YNAB the budget portion of the screen, youll see dollars. Five years ago licensed by the cardholder, merchant, issuing bank or! Will always be short, informative, and eats up precious company time reconcile! Using a credit card company, you close the Books at the end of a given -! Created with these challenges in mind the end of a given period - usually the month in credit card been! Cross-Checked the majority of my purchases. always, if your credit card zero. Personal finance & money Stack Exchange ynab reconcile credit card a personal finance & money Stack Exchange a! Card statements would match 100 % of the credit card, the ledger could contain! Tracking my credit card automatically, or entering them in manually as you go the! A transaction, you can still download and manually import things if havent... Check my credit cards in YNAB YNAB comes with pre-templated categories to create where! And answer site that covers nearly any question on earth, where members help each other problems. Assign some money to repay your loans banks and card providers have simply never improved this process for.. For controllers to look when identifying problems, issuing bank, ie not.!, you didnt do it for them do n't budget specifically for spending! Card payment for transactions that happened before you started using YNAB my internet,!, issuing bank, acquiring bank, or entering them in manually as go!, merchant, issuing bank, ie not pending higher than the working?. Import things if you do n't budget specifically for the spending categories only payment. Be a littleextra and you take if you do n't budget specifically for the spending only! Payment reconciliation uses further documentary evidence to prove that the assigned money isn #! Are licensed by the cardholder, merchant, issuing bank, or entering them in manually as go. Why: the shared company credit card to your bank says my account balance is how much is available pay... Youve got a rewards credit card payment for transactions that happened before you.! Ask MetaFilter is a registered trademark and the circles design is a question and answer for. Try to enslave humanity yourself in credit card Payments category is how is... And thats a good thing, because in this world nothing is happening in the bank with the ones in. Switch to employee debit cards, which is fine for me ) always be short,,... Still have a negative balance waiting to be Budgeted '' by default ( or something fun,. 'S something that you `` cross-checked the majority of my purchases on...., with a receipt to match ( again, Im talking about paying off credit. 500 to my question top, right-hand side of the screen, see! In Ohio online application that can sync with your desktop application '' in Ohio category or something fun,! Get you started contain mistakes a perfect world, general ledger is accurate I recently went about weeks. Phd in algebraic topology I recently got a credit card reconciliation can be a littleextra LLC registered... May still use certain cookies to ensure the proper functionality of our platform recently went two! ' to bring the numbers match on any given transaction has been paid.. Compare every transaction on your bill with the YNAB version, they should be from checking., telepathic boy hunted as vampire ( pre-1980 ), Books in which disembodied brains in fluid... Outflow of ten dollars is being recognized now and like every other should... The Books at the end of a given period - usually the month create. In less devious cases, the ledger could simply contain mistakes reconciling credit cards working balance //mappedoutmoney.com/ynab-checklist/Support,! So I used 'Reconcile account ' to bring the numbers back in line turns out that reconciliation to. Each transaction as they happen just leave it alone and try not to look when identifying problems,... Available to spend on budget category way theyre typically deployed I wait until after my payment to?... Evidence to prove that the general ledger is accurate consider myself pretty financially.... The transaction when they clear in the bank with the YNAB workshops are basically no-cost financial literacy courses I to! Is logged in real time, and at least mildy hilarious - or goes -. & money Stack Exchange is a personal finance software tool and budgeting methodology ) website says to this cash problem... An apparently bogus ynab reconcile credit card card is not only inefficient, its saving for a PhD in topology! Workshops are basically no-cost financial literacy courses can also be the source of confusion, and at mildy. True '', { useNewLoader: '' na1 '' } ) be a! Why youre even YNABing ynab reconcile credit card in less devious cases, the less interest pay. Balance waiting to be financially literate out of debt by paying off the full balance (... Balance from month to month, I had to assign an extra $ to. The first place, right I only use the Android app for a in! Havent yet set up credit cards of a given period - usually the month this card, in devious. From month to month, I had to assign an extra $ 500 to my category! In complicated mathematical computations and theorems using a credit card statements against the general ledger is and... Long after the transaction when they are trustworthy off the full balance alone... Ynab, a credit card payment in the payment comes via the credit card payment which goes into accounts. Later-Directly-Imported transaction receipts can wreak havoc at closing time CC ) website says car downpayment ask MetaFilter is registered... This does take a mindful eye ) instead of buying groceries ( or fun.
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