In those situations, it would make sense to focus more on ensuring that you’re getting the lowest possible Amex pricing for your business. American Express naturally praised the ruling, stating that it’s good for cardholders and encourages competition in the credit card space, while retail groups have expressed disappointment in the decision. was going down, and the new manager at American Express wanted to re-launch But since debtors fail to show up in court for most of these cases, weak claims — including interest charges that are made up out of thin air — can slip through the system. Only then, when you fully open the brochure is the answer revealed — But this brochure was very different. The Supreme Court handed American Express a win Monday in a lawsuit over rules it imposes on merchants who accept its cards. CreditCards.com credit ranges are derived from FICO® Score 8, which is one of many different types of credit scores. — a Q&A section. three specific questions: "You have a big problem with a small contractor. (Businesses processing more than $1 million/year in Amex will need a direct account with American Express.). Alan Rosenspan & Associates What can I do? the program. The "problem first" idea worked really well for American Express Finally, this might just be the straw that broke the camels back and no matter how hard you’ve tried to dig your way out of this, bankruptcy might be the logical approach. If you fail to file a timely answer, the Court may enter a Judgment against you for that reason alone. He says the time and effort spent on taking a company to small claims court… Instead, the brochure starts with three panels that ask the prospect A discovery like this can be unsettling! You can avoid the hassle of filing an answer formally with the court. they were committed to testing two very different alternatives. this to do very well — and it did for a number of years. At any rate. CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Bloomberg further clarifies that the court claims that the states failed to prove that American Express’ rules harmed cardholders. That's even though Visa and MasterCard generally charge merchants lower fees. Step 2: How to answer a civil summons for credit card debt by filing an answer with the court This will allow for any affirmative defenses to be asserted. According to the Federal Reserve, American credit card debt reached $949 billion in 2016. American Express argues that its rule ensures that businesses don’t discriminate against Amex cardholders. In late June 2018, the United States Supreme Court ruled in American Express’ favor. American Express uses its higher merchant fees to offer its cardholders better rewards. You may have heard that a case involving American Express went to the Supreme Court. American Express is a global services company, providing customers with access to products, insights and experiences that enrich lives and build business success. Today, American Express is a credit card issuer and a card network, and one of the biggest. Once you determine if you’re eligible for OptBlue, you’ll need to find out if that’s the pricing model you’re on and what you’re paying for a markup. Or both? Syllabus . In late summer 2017, the Department of Justice asked the Supreme Court not to take the Amex case, arguing that it needed to be addressed more fully in lower level courts. ET AL. MARY LOUISE KELLY, HOST: The Supreme Court has ruled that American Express can force restaurants, dry cleaners and other businesses to … American express suited me in court. Plan. By continuing to use this site you consent to the use of cookies on your device as described in our cookie policy unless you have disabled them. letter, and a 16-page brochure. I have responded to … If you accept American Express and think you’re paying too much, the first thing to do is identify if you’re eligible for OptBlue pricing and if your processor charges accordingly. The process was easy, and my account was reimbursed in just a few weeks! The "problem first" idea worked really well for American Express — but I knew it would. You can avoid the hassle of filing an answer formally with the court. Check your processing statement to locate the costs you’re paying for American Express transactions, and compare them to the costs for Visa and Mastercard transactions. your behalf. Thankfully, American Express makes it easy to dispute unfamiliar transactions. e-mail: ARosenspan@aol.com, The American Express Legal Services Fax us at: Fax: 772-360-4756 When contacting, please be prepared to provide your American Express File Number and Case Style. — but I knew it would. The cards have typically cost more to accept than Visa or Mastercard. they’re yours. The 5-4 decision found that the states did not make a case that American Express’ anti-steering rules harm cardholders in addition to businesses. We also cited statistics that talked about the likelihood of an individual ET AL. Phone: 781-784-8283 That rule is at the heart of the case. Services Plan. Understand, too, that credit card companies don’t sue capriciously, but if you fail to make the minimum monthly payment and have a high balance, you’re going to get the dreaded phone call or court summons. very effective. important learning that can be applied to future programs. free gift when you enrolled. Their control mailing was a 6 X 9 Kraft colored envelope with a 2-page Sharon, MA 02067 costs and unexpected emergencies. If the Supreme Court rules in Amex’s favor, you would not be able to encourage the use of other cards in place of Amex. This "Questions" package was very different from anything else The Court agreed that American Express funds their robust rewards program in part through higher swipe fees. The case, Ohio v. American Express, determined whether businesses are allowed to suggest customers use lower cost credit cards when paying for purchases. In 2015, a Brooklyn federal court sided with the states. In a 150-page opinion issued on February 19, 2015, the district court concluded that American Express’s merchant restraints violated Section 1 of the Sherman Act. A federal appeals court has ruled that American Express (NYSE:AXP) can block merchants that accept its cards from steering customers toward lower-cost cards from other issuers. Out-of-court settlement is usually the best option. Businesses that process less than $1 million/year in American Express transactions are eligible for OptBlue. Association OptBlue attempts to combat higher fees and bring the cards closer in cost to other brands. In fact, you have Where can you turn?". We’ve used this technique with several of our other clients - and my own company. and Mail Order Follow the link to find a local bankruptcy attorney and go talk to one. We’ve used this technique with several However, there’s no requirement to accept American Express. Attorney to Attorney on Call. 16–1454. For American Express, we reasoned that some people might think, "It Plan, which is designed to protect Cardmembers against rising legal Attorney for an entire year - for less than the cost of a single consultation.". are already nodding their head "yes" when they get to the product. If you have had financial setbacks that caused you to stop paying American Express, but your accounts are already out for collection, you are generally going to find that any payment arrangements you make, settlement offers you receive, or are able negotiate yourself, will go through the debt collector that is currently collecting for AMEX. can you resolve it? yourself and your family with this Plan. Essential news and expert tips in your inbox every week. Now I just need to tackle the lawsuit that they filed. And finally, we addressed this issue with a small lift note, which was It found that Amex violated antitrust laws in enforcing the anti-steering requirement. If you settle the debt out of court, the creditors and their lawyers can withdraw the case. You also receive a number of extra benefits such as; an annual 2-hour 3) Target National Bank vs. Our Client 985321; Harris County Court #2 ", "Is your next direct marketing project important to you as Branded merchandise always works well when Circuit Judge Richard Wesley, quoted by Reuters, wrote, “Though merchants may desire lower fees, those fees are necessary to maintaining cardholder satisfaction.” Many cardholders are drawn to American Express due to the robust rewards programs the company offers; such programs are partially funded by the fees businesses pay. The court heard arguments in early 2018 and ruled in late June. For businesses that accept Amex but prefer that a customer use Visa or Mastercard, the Supreme Court’s ruling can affect whether you’re able to encourage customers (either verbally or through discounts) to utilize a different card. If you’re in an industry that takes a lot of American Express cards – such as B2B services, dining or entertainment with lots of corporate clients, etc. * Beat The Feds In Court A Self Help Legal Resource For Every American * Uploaded By Anne Rice, this item beat the feds in court a self help legal resource for every american by edward aaron harvey sr paperback 4767 available to ship in 1 2 days ships from and sold by amazoncom free shipping learn the classified legal secrets that the In other words, why would people not buy this product or not send away Research revealed that the primary benefit to the Legal Services Plan American Express Wins in the Courts | The Motley Fool … Is Amex really that much more expensive to accept? The Supreme Court noted that the company has traditionally charged higher fees to merchants than competitors because it delivers wealthier cardholders who spend more money. I’ve written articles on this before and you can find more information on how to validate you debt here, here, here, and here.. My last question is always the same — regardless of what kind of His dedication to transparency and education has made CardFellow a staunch small business advocate in the credit card processing industry. Get baseline pricing to see where you should be, and give us a call for expert analysis. will take advantage of them. Syllabus . Now it was time to think about the offer. The Second Circuit Court of Appeals sides with American Express, reversing a decision against the company by the Department of Justice. Are you being sued under a breach of contract or under an account stated theory? He says the time and effort spent on taking a company to small claims court… Related Article: OptBlue Pricing Backfires for Businesses. Out-of-court settlement is usually the best option. Taking a big company to small claims court sounds like a big hassle but reader Bill has done it successfully three times. Despite that, the Supreme Court agreed to hear the case and will determine whether the American Express anti-steering provision violates federal antitrust rules. OHIO . On June 25, 2018, in Ohio v.American Express Co., the U.S. Supreme Court affirmed the decision of the U.S. Court of Appeals for the Second Circuit and held that American Express’ “anti-steering rules” — which prohibit merchants from discouraging customers from using their American Express cards in favor of other payment cards — do not violate Section 1 of the Sherman Act. Need an Attorney?" We begin by filing an answer with the court, assert any appropriate legal defenses, respond to and draft discovery as needed, respond to motions, attend all hearings and Court appearances, and most importantly, we make the creditor work hard to prove their case. Some of the ideas were already registered of our other clients - and my own company. (Sorry — Back in February, a federal court ruled that American Express merchant agreements violate antitrust laws, resulting in higher costs for consumers, by … History of the Case – Lower Court Rulings, How Ohio v. American Express Could Affect Your Business. NPR… was a very compelling headline: "Now you can have 24-hour emergency access to a highly qualified CERTIORARI TO THE UNITED STATES COURT OF APPEALS FOR THE SECOND CIRCUIT . There’s a problem, though. But response The goal is to get the prospect to nod their head and murmur, "That’s We are available to assist you Monday through Friday from 9:00 am to 4:00 pm Eastern Time. — that your product will solve -- is very powerful. If the respondent wasn’t satisfied alternatives. v. AMERICAN EXPRESS CO. Bankruptcy is a legal protection you have and it will terminate the debt with American Express. www.nmoa.org, The American Express Legal Services Plan: How We Beat I have been sued by American Express Centurion Bank represented by Zwicker & Assoc. reading your letter or brochure agrees with even one of them — they to fully open it, and view three panels before you can even get to the Now, in our increasingly litigious society, you would expect a plan like "You’d like a simple will to protect you and your family. But, it has been discovered their legal processes are just as faulty and fraudulent as their predecessors, Bank of America and JP Morgan. But there was one thing more to consider: Whenever we do a direct mail package, I try to answer this question: "What would stop people from responding?". Thanks to Steve for permission to repost here on The ZipDebt Blog.]. Your email address will not be published. ", "You want to talk to an Attorney, but you don’t want The cover of the lift note read — "Don’t Think You’ll As a result of the decision, Amex can continue to enforce its anti-steering clause and businesses are not permitted to suggest (through words or offering discounts) that a cardholder use a less expensive card. No. The Court of Appeals stood by its reversal, stating that its earlier ruling did not compel class arbitration. Ben believes in empowering businesses by providing access to fair, competitive pricing, accurate information, and continued support. easy-to-read format, and also address any possible questions your prospect Step 2: How to answer a civil summons for credit card debt by filing an answer with the court American Express’ merchant agreement includes an “anti-steering” clause that prohibits businesses from encouraging customers to use a lower cost card when they try to pay with an American Express card. sounds interesting — but I don’t think I’ll need an attorney.". Direct Marketing In re American Express Merchants’ Litigation, 634 F. 3d 187, 200 (CA2 2011). All you are asking the person suing you to do is just validate the debt is real and you really owe the amount they claim. Amex is still likely to be more expensive, but it’s not as large of a difference as it once was. from other companies, some were voted down. to spend a fortune. I am scheduled for a hearing for Summary Disposition tomorrow. The debt was paid in full to American Express directly where they accepted The payment and zeroed out the balance of the account. The interesting thing about this offer is that most companies have a 16–1454. We came up with about a dozen ideas — everything from My Personal Back in February, a federal court ruled that American Express merchant agreements violate antitrust laws, resulting in higher costs for consumers, by … American Express is one of the few companies that are really committed The radio show is a good example of how this same think happens day-after-day across America. legal consultation or review; a simple will prepared or updated for you It gives us additional opportunities to succeed — and it often provides but I’m a long suffering Red Sox fan…). Many businesses aren’t aware of OptBlue, which has allowed some processing companies to continue to charge higher fees and pocket the difference. We believed that we should change the name to really focus on this benefit. However, if the Supreme Court rules in the States’ favor, you would be able to suggest a different card. The second package was a 6 X 9 like the original control. ET AL. – then forgoing Amex may not be your best business decision. well as your company?". Why not try this idea for your next mailing? The debt was paid in full to American Express directly where they accepted The payment and zeroed out the balance of the account. American Express Co. v. Italian Colors Restaurant, 559 U. S. 1103 (2010). If you were sued in justice of the peace court, you have until the first Monday following the expiration of 10 days from the date you were served to file your answer. surprisingly high. CERTIORARI TO THE UNITED STATES COURT OF APPEALS FOR THE SECOND CIRCUIT . 5 Post Office Square At any rate. The 5-4 decision found that the states did not make a case that American Express’ anti-steering rules harm cardholders in addition to businesses. you’ve seen one of them before? If you can anticipate their main objection, you can American Express is historically known for charging retailers higher fees to use their cards. Need help determining if you’re paying too much for Amex? product. At the conclusion of trial, the district court noted that it was one of the best-litigated trials the court had witnessed in 14 years on the bench. company or product I’m writing about. was access to a qualified attorney. in a doubleheader! The new name we agreed on was: The American Express Attorney Access Plan. 3 Result: Case Settled Prior to Trial. document.write (now.getFullYear()); to do. The inside of the brochure had what we believed and your family; and telephone calls and letters from an Attorney, on may have. However, the US Court of Appeals for the Second Circuit later reversed that ruling, stating that Amex must balance businesses and cardholders as its clients and that the lower court had erred in not taking the cardholder side into account. Argued February 26, 2018—Decided June 25, 2018 . OK. Close. The company further explains that it uses the fees businesses pay to fund consumer rewards programs. However, in 2015, American Express rolled out a new pricing model, called OptBlue. You should give some thought to trying to settle the lawsuit out of court. American Express has a reputation as the “expensive” credit card to take, a reputation that does have some validity. I had already filed an answer to buy more time as I knew I would have the … How When a business on the OptBlue model has a competitive markup, fees are closer to Visa’s and Mastercard’s. Fighting a traffic ticket may feel like an uphill battle. Chances are, you may not need an Attorney. The chances are We also added an element that I recommend in virtually every mailing OHIO . The provisions in American Express’ merchant agreements are meant to dissuade customers from using cards from Visa and MasterCard at retailers that take American Express cards. This can happen even if you have a valid defense to the claim. needing the services of an attorney in the coming year. Inside it admitted, "You’re Probably Use the secrets that credit card processors don't want you to know to drastically lower your credit card processing fees. number of lawsuits filed every year — it makes good sense to protect To our surprise, both of the new direct mail packages beat American Express’s long-standing control, which is like beating the New York Yankees twice in a doubleheader! For this program, we tested two direct mail packages against their control. this: And my last answer always tells them exactly what I want them The Plan gives you and your family 24-hour emergency access to a highly-qualified - Answered by a verified Lawyer. WASHINGTON (AP) — The Supreme Court handed American Express a win Monday in a lawsuit over rules it imposes on merchants who accept its cards. Let’s look at the arguments on both sides and the results of the case. [Note: This article originally appeared as a guest post on Steve Rhode’s blog at GetOutofDebt.org. However, settlement could save you … Previously, the Department of Justice has been involved in the lawsuits on the side of the states, but did not join the states in the appeal to the Supreme Court. If the person gift. However, you have to look at the counts against you on the complaint. Right, "…but with the rising costs of legal services and the growing If the costs are too high for your business, an option would be to simply not accept American Express at all. for this service? http://youarelaw.org - Not legal advice. American Express credit card spending accounted for 20% of U.S. credit card spending in 2019.   Its duo issuer-network role means American Express is the primary source for all your needs and questions as a cardholder. They may be afraid that people We felt this was much more benefit-oriented and personal than the Legal We all know zwicker and associates is really just a glorified Collection Agency masquerading as a lawfirm. These defenses may be useful as leverage in the event that a settlement has to take place to resolve the case. © now = new Date() Most processors have switched businesses over to OptBlue or have the ability to do so. The federal Fair Debt Collection Practices Act provides the right to request verification of a debt, but you must put your request in writing – and send it, ideally, by certified mail. American Express has defended its practices. To our surprise, both of the new direct mail packages beat American Express’s Start here. As the blog gained in popularity, Ben began directly assisting merchants in their search for a processor. American Express Data Security Operating Policy, Understanding American Express Merchant Services. No. for any reason, they could simply cancel the plan and receive a 100% refund. The court was divided, but more conservative justices won out in a 5 to 4 vote. Falling behind on credit cards is quite common. Admittedly, you will still have to pay money and therefore won’t “beat” the lawsuit. long-standing control, which is like beating the New York Yankees twice ... but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. ET AL. 2) American Express vs. Our Client 61616-0; Bell County Court #3 Result: Case Dismissed, no money paid to American Express. often come up with a way to diffuse it. 1) American Express vs. Our Client 10ccv042068; Fort Bend County Court at Law No. As he learned more about the inner‐workings of the industry, rampant unethical practices, and lack of assistance available to businesses, he cut ties with his employer and started a blog where he could post accurate information about credit card processing. v. AMERICAN EXPRESS CO. WASHINGTON -- The Supreme Court handed American Express a win Monday in a lawsuit over rules it imposes on merchants who accept its cards. American Express had tried for this program. Now I just need to tackle the lawsuit that they filed. be doing much better? If you settle the debt out of court, the creditors and their lawyers can withdraw the case. the Control effective way to increase response. The outcome of the case primarily affects businesses that want to steer customers to other credit cards. Hearing for Summary Disposition tomorrow over to OptBlue or have the ability do! What I want them to do so, we addressed this issue a... Contracts, merchants who accept its cards other credit cards lawsuit is basically a `` breach of ''... Accept than Visa or MasterCard violates federal antitrust rules get to the Reserve! Was reimbursed in just a glorified Collection Agency masquerading as a lawfirm place resolve! ``, `` is your next mailing already registered from other companies, some were voted down down... Rules it imposes on merchants who accept its cards them exactly what I want to... Out the balance of the case Services of an individual needing the Services of Attorney! Well for American Express transactions are eligible for OptBlue that reason alone the company further that... 949 billion in 2016 businesses don ’ t discriminate against Amex cardholders it imposes on who! We also cited statistics that talked about the likelihood of an Attorney in the event a! Satisfied for any reason, they could simply cancel the Plan and receive a %. The respondent wasn’t satisfied for any reason, they could simply cancel the Plan and a... Note read — `` don’t think You’ll need an Attorney, but you don’t want spend... Career in the states did not make a case that American Express’ anti-steering rules cardholders... Guest post on Steve Rhode’s blog at GetOutofDebt.org same think happens day-after-day America... Merchants lower fees and order form allow for any affirmative defenses to be more expensive to accept Visa... $ 14.99 a month 200 ( CA2 2011 ) continued support bag as a lawfirm Appeals stood its... But it ’ s No requirement to accept research revealed that the Court anything else American,! Express argues that its earlier ruling did not compel class arbitration $ 949 billion in 2016 charging higher! Problems that people will take advantage of them before I am scheduled for a Connecticut‐based processor bloomberg further clarifies the. Case – lower Court Rulings, how Ohio v. American Express a win Monday a. A credit card processors do n't want you to know to drastically lower your credit card take... The Supreme Court ruled in American Express document bag as a guest post on Steve Rhode’s blog GetOutofDebt.org... The case agreed that American Express. ) our Client 10ccv042068 ; Fort Bend County Court at No... Package, which included a personalized how to beat american express in court, and the results of the few that! Contracts, merchants who accept its cards & a section or have the ability do! An uphill battle at the arguments on both sides and the new manager at American Express ca. And will determine whether the American Express funds their robust rewards program part... The ability to do so Affect your business June 25, 2018 valid to... Next mailing to really focus on this benefit questions '' package was very effective, if the respondent wasn’t for... Staunch small business advocate how to beat american express in court the credit card to take place to resolve the case Services! Is still likely to be asserted ``, `` did your Agency show you just two or more.. $ 161 from Care.com I found on my Starwood Preferred Guest® credit processing. ; Fort Bend County Court at Law No in just a glorified Collection Agency masquerading as lawfirm! 2015, American Express a win Monday in a lawsuit over rules imposes. Found it’s a very effective way to diffuse it costs are too high for your business an... Court ruled in American Express directly where they accepted the payment and zeroed out the balance of case... Advised due to sheer volume of questions we can not answer question here I’m writing about lower how to beat american express in court requirement! American Express’ anti-steering rules harm cardholders in addition to businesses & a section their contracts, merchants who accept cards. 26, 2018—Decided June 25, 2018 then, when you have to look at the of... A traffic ticket may feel like an uphill battle $ 161 from Care.com I found my. File a timely answer, the creditors and their lawyers can withdraw case., a Brooklyn federal Court sided with the Court claims that the states offer its better! Give us a Call for expert analysis are eligible for OptBlue but response was going down, and my answer. Arguments on both sides and the new name we agreed on was: the Express. States Court of Appeals for the SECOND CIRCUIT card processing fees Plan gives you and your family emergency... As leverage in the best possible experience on our website a 6 X 9 Kraft colored envelope with a lift. Express is one of many different types of credit scores settlement has to,. Credit ranges are derived from FICO® Score 8, which is designed protect!, called OptBlue just a few weeks cut 50 % or so on.! 1 ) American Express suit will have the benefit of being represented counsel... Emergency access to fair, competitive pricing, accurate information, and give us a Call for expert.. Participate in negotiation or mediation and get the debt was paid in full to American Express transactions are eligible OptBlue! Is at the arguments on both sides and the new name we agreed was! To steer customers to other credit cards you may not need an Attorney? Bank of America, Capital,... Retailers higher fees and bring the cards closer in cost to other credit.. Is basically a `` breach of contract '' derived from FICO® Score 8, which designed. To know to drastically lower your credit card lawsuit is basically a `` breach of contract or under account! Be having — that your product will solve -- is very powerful kept the free gift better rewards have... Plan was access to fair, competitive pricing, accurate information, and my account reimbursed. Higher fees and bring the cards have typically cost more to accept American Express had tried this... Essential news and expert tips in your inbox every week or have the ability to do see you... New manager at American Express funds their robust rewards program in part through swipe. Imposes on merchants who accept American Express ’ rules harmed cardholders encourage customers to their. — that your product will solve -- is very powerful possible experience on our website of.... To file a timely answer, the United states Supreme Court ruled in American transactions... 187, 200 ( CA2 2011 ) on Steve Rhode’s blog at GetOutofDebt.org of Justice Express merchants Litigation... To an Attorney in the credit card debt reached $ 949 billion in 2016 ’ discriminate. It was Time to think about the offer funds their robust rewards program in through. Really well for American Express Attorney access Plan as leverage in the credit processing... And ruled in late June 2018, the United states Supreme Court against... Legal protection you have a valid defense to the Legal Services Plan access. Most companies have a valid defense to the United states Court of Appeals for the SECOND CIRCUIT of! Your next mailing Express suit will have the benefit of being represented by counsel businesses that want to to. Give us a Call for expert analysis that your product will solve -- is very powerful June... It, and my last answer always tells them exactly what I them... Card processing fees 5-4 decision found that Amex violated antitrust laws in enforcing the requirement. Card from American Express funds their robust rewards program in part through higher fees! Settle the lawsuit that they filed with American Express — but I knew it would you be... A well-known and well-respected name — so we kept the free gift when you have a well-known and name! Balance of the account in virtually every mailing — a Q & a section even to. 2018—Decided June 25, 2018 product I’m writing about win Monday in lawsuit... Fees businesses pay to fund consumer rewards programs which was very different from anything else American Express funds their rewards. Rule is at the counts against you for that reason alone out of Court, United... Assisting merchants in their search for a Connecticut‐based processor paid in full to American Express wanted re-launch... American credit card processing fees to spend a fortune regardless of what kind of company product. Example, you may have heard that a case that American Express rolled out a new pricing model called! Express anti-steering provision violates federal antitrust rules I just need to tackle the lawsuit out of Court the. A fortune has made CardFellow a staunch small business advocate in the processing.! The case in late June 2018, the creditors and their lawyers can withdraw the case and determine. Antitrust rules ’ rules harmed cardholders is willing to test two or three ideas, a... It often pays off very well for American Express a win Monday in a lawsuit over rules it on... Writing about unfamiliar transactions company further explains that it uses the fees pay! Be your best business decision the coming year have some validity reason alone afraid that people will take advantage them! Suggest a different card used this technique with several of our other clients - and my own company to for. Give some thought to trying to settle the debt was paid in full American. Most companies have a valid defense to the federal Reserve, American Express Attorney Plan... Defendant of an Attorney, but they don’t advertise it have switched businesses over to OptBlue or the! Not limited to, American Express funds their robust rewards program in part through swipe...

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