Craig didn't know the answer, so used his phone a friend lifeline and made a call to The Chase's Shaun Wallace. Our love for the sport has inspired us to chase winters all over the world The Ride Side specialises in social travel ski trips to some of the world's. Trip.comUS$107 Contact. 41 Hongkong Street, Singapore 059680 Singapore. Getting there This was a new offering in my Chase travel portfolio.
Thematic videoCHASE Sapphire Preferred HUGE Mistakes to Avoid [May 2021]
5 Reasons Your Trip Cancellation Insurance Claim Was Denied
Travel insurance with trip cancellation benefits is designed to reimburse you for your prepaid, non-refundable expenses in case you have to cancel your trip for a covered reason. But it's not a cure-all. While we understand that everyone's circumstances are unique, here's a look at some of the most common reasons trip cancellation insurance claims are denied.
1. You didn't see a doctor before canceling your trip because of illness.
Anna has packed her suitcases to fly to Costa Rica for a week-long vacation. The day before she's set to leave, she comes down with a bad case of the flu. Feeling wretched, Anna decides to stay home. She submits a trip cancellation insurance claim, but it's denied.
If you or your traveling companion suffers an illness, injury or medical condition that's disabling enough to make a reasonable person cancel a trip, Allianz Global Assistance considers that a covered reason for trip cancellation. However, a doctor must examine you or your traveling companion and advise that person to cancel the trip — before the decision to cancel is made. If that isn’t possible, a doctor must examine you within 72 hours of your trip cancellation.
2. You didn't provide documentation for your trip cancellation reasons and expenses.
Days before he's set to leave for a two-week tour of Cambodia and Vietnam, Javier is dismayed to hear that his tour operator has gone out of business. He submits chase travel contact number trip cancellation insurance claim with the original invoice from the tour operator, but his claim is denied.
It's not enough to send a credit card receipt or a single invoice. You need to thoroughly document all of your trip costs, your reason for cancellation and any refunds you may have received. The list of documentation Allianz Global Assistance requests includes:
- Receipts and itemized bills for all expenses.
- Original of any refunds or expense allowances received from your tour operator, travel agency, common carrier, resort, property management company, or other entity.
- Copy of resort invoice/vacation rental contract or confirmation.
- Trip cancellation/interruption claims.
- Any appropriate documentation that officially explains the cause of your trip cancellation or interruption
- Any explanation of diagnosis along with your original itemized bills, receipts, and proof of other insurance payments.
- Original unused tickets, copies of invoices, proof of payments, and other documents that substantiate the cost or occurrence of the trip cancellation or interruption.
- Documentation of refunds received from the travel supplier(s) and/or common carriers.
- Copy of the supplier's literature that describes penalties.
- A letter from the tour operator or an itemized bill from the travel agent stating the non-refundable amounts of the trip costs.
In short, send everything you can find that relates to your trip cancellation reasons and costs. This may sound like a lot, but don't get overwhelmed. For help, you can call Allianz Global Assistance claim representatives 24 hours a day, seven days a week at 1-888-497-6992.
3. You purchased travel insurance when a big storm was already on the horizon.
Kelly and Gus have been looking forward to their 10th anniversary trip to St. Barts for months. A few days before they're supposed to leave, the Weather Channel reports that Tropical Storm Teresa is churning toward the island. "Uh-oh," Kelly thinks. "I’d better get travel insurance." They end up cancelling their vacation because of the storm — but their insurance claim is denied.
Allianz Global Assistance names several covered reasons for canceling a trip that can be related to severe weather. For instance:
- Your travel carrier cannot get you to your original itinerary’s destination for at least 24 consecutive hours from the originally scheduled arrival time due to severe weather (or another covered reason)
- Your tour operator cancels your multi-day tour that was purchased prior to your departure date due to severe weather (or another covered reason)
- Your destination is uninhabitable
- The National Oceanic and Atmospheric Administration’s (NOAA) or foreign equivalent has issued a cyclone, hurricane, or typhoon warning at your destination that is in effect within 24 hours prior to your departure date (available only with OneTrip Premier)
- Government authorities order a mandatory evacuation at your destination that is in effect within 24 hours prior to your departure date.
However, travel insurance is meant to protect travelers against sudden and unforeseen events — not threats that are already on the horizon when the insurance is purchased. If you buy travel insurance after a winter or tropical storm has been named, or after the NOAA or a similar agency has issued a warning, your plan won't provide coverage for claims related to that event. Make sure you buy trip cancellation insurance well in advance of your departure.
4. You gave up on your trip too soon.
The day of Keith's scheduled flight to France, a surprise winter storm grounds his connecting flight. After sitting in the airport for 12 hours, he gets chase travel contact number and decides to cancel the whole trip. However, his trip cancellation insurance claim is denied.
We know trip delays are aggravating. But don't cancel your entire trip because of a short delay! To make a trip cancellation claim, your travel carrier must have been unable to get you to your original itinerary’s destination for at least 24 consecutive hours from the originally scheduled arrival time.
Keep in mind that your trip cancellation benefits can also help you chase travel contact number to your original destination another way! You can be reimbursed (up to your policy’s Trip Cancellation Coverage maximum benefit) for the reasonable cost of alternate transportation, less available refunds; and the cost of any lost prepaid accommodations caused by your covered delayed arrival, less available refunds.
You may also be able to file a trip interruption claim if you miss at least 50% of the length of your trip due to a travel carrier delay or other covered reason.
5. You didn't read the terms, conditions, and exclusions for your trip cancellation insurance policy.
Shortly before a planned couples cruise to Cozumel, Michelle has a huge fight with her fiancé. She calls off the engagement — and the cruise. But travel insurance won't cover her trip cancellation.
With a wide array of covered reasons for canceling a trip, travel insurance from Allianz Global Assistance is designed to protect you in case of many common travel mishaps. However, it's not "cancel for any reason" travel insurance, and that's why it's essential to read all the terms and conditions when you buy your plan. For instance, legal separation or divorce can be a covered reason for trip cancellation, but a breakup is not. The death of a family member can be a covered reason, but the death of a pet is not.
We know that trip cancellation benefits can seem complicated. We 5 1 4 to 3 1 2 adapter our best to make it as simple as possible. If you're unsure about how to submit a claim, ask! Call Allianz Global Assistance claim representatives anytime at 1-866-884-3556.
Zero Fraud Liability
With Zero Fraud Liability, you will never be held accountable for unauthorized purchases on your Amazon Rewards Visa Signature Card.⁴
Auto Rental Collision Damage Waiver
Decline the rental company’s collision insurance and charge the entire rental cost to your Amazon Rewards Visa Signature Card. Coverage is provided for theft and collision damage for most rental cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.³
If you have a roadside emergency, call 1-800-847-2869 anytime to dispatch the help you need – anything from a tow or jumpstart to a tire change, lockout service, winching or gas delivery. Roadside service fees will be provided when you call and will be billed to your card.³
Extended Warranty Protection
Your Amazon Rewards Visa Signature Card extends the time period for the U.S. manufacturer’s warranty by an additional year, on eligible warranties of three years or less.³
Your Amazon Rewards Visa Signature Card covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.³
How to earn and use Ultimate Rewards points
If you are serious about getting into the game of using credit card points for free travel, then applying for a Chase Ultimate Rewards card or two should be one of the first items on your to-do list.
The Chase Ultimate Rewards loyalty program is one of the most valuable and flexible credit card rewards programs in existence. Not only do you have a wide variety of options for redeeming rewards points, including cash back, gift cards and travel, but you can also easily transfer points to certain Chase cards and, from there, on to one of Chase’s airline or hotel partners at a high 1:1 rate.
The Chase Ultimate Rewards program can take you practically anywhere you want to travel, at a great value. Read on to learn more about the Ultimate Rewards program and how to earn and use points.
How to earn Chase Ultimate Rewards
Whether you’ve just received your first Chase Ultimate Rewards credit card or you’ve had your card for years, you can use your everyday spending to rack up Ultimate Rewards points and earn a free or nearly free getaway sooner. Here are six ways chase travel contact number can earn Chase Ultimate Rewards.
Earn a Chase card sign-up bonus
All of Chase’s Ultimate Rewards cards offer generous sign-up bonuses to new enrollees who manage to meet the card’s spending requirement within a designated time period. Since many of these bonuses are worth the price of a plane ticket, this is one of the fastest ways to earn a free ally cd compound interest Freedom cards
The Chase Freedom Flex℠ and Chase Freedom Unlimited are popular cash back cards that earn Chase Ultimate Rewards.
The Chase Freedom Flex earns 5% back (or 5 points per dollar) in quarterly bonus categories, up to $1,500 per quarter (activation required). Additionally, cardholders earn 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants (including takeout and eligible delivery services) and 3% on drugstore purchases. All other purchases earn 1%.
Currently, the card offers a $200 sign-up bonus (20,000 in Ultimate Rewards points) after you spend $500 in the first three months of account opening.
The Chase Freedom Unlimited earns 1.5% cash back on general purchases, 5% on travel purchased through the Chase Ultimate Rewards portal and 3% and drugstore purchases. Through March 2022, you’ll also earn 5% cash back on Lyft purchases.
Like the Freedom Flex, the Unlimited offers $200 (or 20,000 Ultimate Rewards points) after you spend $500 in the first three months of account opening.
Chase Sapphire cards
The Chase Sapphire card family features some of the best travel credit cards on the market, including the Chase Sapphire Preferred Card and Chase Sapphire Reserve card.
The Chase Sapphire Preferred earns 5 points per dollar for travel purchased through Chase Ultimate Rewards, 3 points per dollar on dining, 2 points per dollar on other travel purchases and 1 point per dollar chase travel contact number other purchases. The card charges a chase travel contact number annual fee and offers a sign-up bonus of 60,000 points if you spend $4,000 in the first three months.
The Chase Sapphire Reserve comes with 10 points per dollar on hotel and car rental purchases through Chase Ultimate Rewards, 5 points per dollar on air travel purchased through Chase Ultimate Rewards and 3 points per dollar on other travel purchases (you’ll earn elevated rewards on all travel purchases immediately after earning the $300 annual travel credit). Plus, earn 3 points per dollar on dining and 1 point per dollar on other purchases. The card also offers attractive benefits like a $300 annual travel credit, up to $60 in DoorDash credits for 2021, up to $100 in credit for Global Entry or TSA PreCheck and more.
The Chase Sapphire Reserve charges a $550 annual fee and comes with a 50,000-point sign-up bonus after you spend $4,000 on purchases in the first three months from account opening.
Ink Chase travel contact number cards
If you’re a small-business owner, one of Chase’s Ink Business cards can be a good option for you.
Perhaps the most exciting one is the Ink Business Preferred® Credit Card, which earns 3 points per dollar on travel, shipping purchases, internet, cable and phone services, advertising made with social media sites and search engines (up to $150,000 in combined purchases per year). All other purchases earn 1 point per dollar.
The annual fee is $95, and you’ll get a sign-up bonus of 100,000 points after you spend $15,000 on purchases in the first three months from account opening.
The Ink Business Cash® Credit Card earns 5% cash back on the first $25,000 in combined purchases at office supply stores and on internet, cable and phone services and 2% on the first $25,000 spent in combined purchases at gas stations and restaurants each year. These rewards can also be converted to Ultimate Rewards points.
There’s no annual fee on this card, and the sign-up bonus is $750 (75,000 Ultimate Rewards points) after you spend $7,500 on purchases in the first three months from account opening.
With the Ink Business Unlimited® Credit Card, you can earn 1.5% cash back on all purchases and convert these earnings to Ultimate Rewards points. The card has no annual fee and offers an intro bonus of $750 (75,000 Ultimate Rewards points) after spending $7,500 on purchases in the first three months from account opening.
By the way, you aren’t limited to earning the bonus on just one card. You can sign up for multiple Ultimate Rewards cards and pool the bonuses together to pay for a ticket (though Chase may limit how many cards you can qualify for in a particular time period).
You also can have your spouse and other members of your household sign up for the same Chase card and pool all your points together.
However, you’ll need to keep Chase’s 5/24 rule in mind when applying. Chase is likely to deny your application if you’ve opened at least five accounts in the past 24 months. This applies to any account that shows up on your credit report, not just Chase credit cards.
If you intend to collect sign-up bonuses, you’ll need to carefully consider the order of cards that you intend to apply for and hold off on applying for cards from other issuers.
Tip: Keep an eye on your card’s bonus after you sign up; if the bonus increases within 90 days, you can contact Chase and ask to be bumped to the larger offer.
Get a referral bonus
Once you’ve signed up for your cards, you can rack up to 100,000 Ultimate Rewards points per year by referring your friends and family to Ultimate Rewards cards. If your friends open and use the cards, you can earn between 10,000 and 20,000 points per application.
- Chase Sapphire Preferred Card – 20,000 points for each friend who is approved for a Sapphire Preferred card – up to five referrals per year, for a total of 100,000 points.
- Chase Freedom Flex – $100 for each friend who is approved for a Freedom Flex or Freedom Unlimited card – up to five referrals per year, for a total of $500 cash back.
- Chase Freedom Unlimited – $100 for each friend who is approved for a Freedom or Freedom Unlimited card – up to five referrals per year, for a total of $500 cash back.
- Ink Business Unlimited Credit Card – 20,000 points for each friend who is approved for any Chase Ink card – up to five referrals per year, for a total of 100,000 points.
- Ink Business Cash Credit Card – 20,000 points for each friend who is approved for any Chase Ink card – up to five referrals per year, for a total of 100,000 points.
- Ink Business Preferred Credit Card – 20,000 points for each friend who is approved for any Chase Ink card – up to five referrals per year, for a total of 100,000 points.
Use the Chase Ultimate Rewards shopping portal or Chase Offers
You can stack 1 to 5 additional bonus points onto each dollar of spending by shopping through the Ultimate Rewards shopping portal – Shop Through Chase.
The shopping portal includes direct links to many major retailers’ websites, where you can shop as usual, applying discounts and promo codes and receiving the same prices and shipping benefits.
This method works particularly well with the Chase Freedom Flex card – which often includes retailers such as Amazon and Walmart in its quarterly category bonuses – and the Chase Freedom Unlimited card, which offers at least a 1.5% earning rate on every purchase.
Additionally, all Chase cards come with Chase Offers – a program that offers you cash back when you pay with your card at participating merchants. Check your Chase app regularly for promotions to add to your card.
Take advantage of limited-time promotions
Occasionally, Chase will offer limited-time promotions that allow you to earn additional points or to redeem your points at a discount. See our limited time-promotions page for a list of current offers.
Own multiple Chase Ultimate Rewards cards
We highly recommend signing up for multiple Ultimate Rewards cards – not just to earn the sign-up bonuses, but because you can maximize your rewards earnings by rotating cards to earn the most points possible on each category of purchase. Each Chase card offers unique earning and redemption opportunities, so stacking them together is even more lucrative.
For instance, if you combined the Chase Freedom Flex, Freedom Unlimited and Sapphire Reserve cards, you would earn 5% back on the Freedom’s rotating categories, 5% on Ultimate Rewards travel with either the Freedom Flex or Unlimited, 3% on dining and drugstore purchases and 1.5% back on the rest of your purchases. Plus, you can transfer all your rewards to the Sapphire Reserve to get the 50% bonus redemption value on Ultimate Rewards travel purchases.
Buy gift cards
We offer this final suggestion with a caveat – not every retailer offers gift cards or allows you to buy gift cards with a credit card. However, many Ultimate Rewards cardholders successfully purchase gift cards chase travel contact number earn bonus points on purchases that would not otherwise earn a bonus.
For instance, you might use your Ink Business Cash card to purchase an Amazon gift card from an office supply store to earn 5% back on your Amazon purchases.
How to use Chase Ultimate Rewards
Once you’ve successfully racked up Ultimate Rewards points, Chase offers a bounty of different ways to redeem them.
One of the greatest virtues of the Ultimate Rewards program is its variety of redemption options: You can redeem your points for cash back, gift cards or merchandise, or you can purchase travel from any service or website and redeem your points for statement credits. If you own a premium rewards card, you can redeem points for travel through the Ultimate Rewards travel site for a 25% to 50% bonus or transfer points to one of Chase’s 14 travel partners.
Though the value of a redemption option ultimately lies in the eye of a beholder, there are certainly some preferable – and some unrecommended – ways to redeem your points.
As you can see from the values in the chart below, signing up for a premium rewards card (Chase Sapphire Preferred Card, Chase Sapphire Reserve or Ink Business Preferred Credit Card) and redeeming your points for travel is generally the best way to go with your Ultimate Rewards points.
Chase Ultimate Rewards redemption options
|Redemption option||Point value|
|Travel purchase through Ultimate Rewards portal|
|Travel purchase (not Ultimate Rewards)||1 cent|
|Statement credit||1 cent|
|Direct deposit||1 cent|
|Gift cards||1 cent|
|Apple product purchases||1 cent|
|Amazon.com purchases||0.8 cents|
Using Ultimate Rewards points for cash back
Chase offers a lot of flexibility in its cash back redemptions.
You can redeem your points for cash back at any time starting at 1 point for 1 cent of cash back. You can redeem your points as a statement credit or as a direct deposit into a checking or savings account. This is a nice option to have in case you decide you want to close your cards and cash out your rewards or in case you decide you don’t want to use your points for travel rewards.
However, we strongly recommend transferring your points to a premium Ultimate Rewards card such as the Sapphire Preferred or Reserve, with which you can get a much better value than 1 cent per point for travel redemptions.
Using Ultimate Rewards points for gift cards
You can redeem your points for gift cards from a variety of retailers at a value of 1 cent per point.
Given that this is the same value as a cash back redemption, it makes little sense to choose this option when you can just take the cash back and buy the item from the retailer in cash, unless you take advantage of a special promotion in which the points required for gift cards is lower. Even then, you’ll likely get a better value by transferring your points to a premium card and using them for travel rewards.
Using Ultimate Rewards points to buy merchandise through Amazon
Chase makes it simple to use your points for purchases on Amazon. You can link your Amazon account to your Chase account and then redeem your points for purchases at checkout.
However, we don’t recommend this. As you can see from the chart above, the value for your points is very low – only 0.8 cents per point. If you want to redeem your rewards for merchandise, you’ll get a much better value by using the cash back option to pay for the merchandise directly.
Using Ultimate Rewards points for travel through the Ultimate Rewards portal
If you own the Sapphire Reserve, Sapphire Preferred or Ink Business Preferred card, then booking travel through the Ultimate Rewards portal is one of your best options. The value of points is completely transparent at 1 cent per point, and you receive a 25% to 50% bonus depending on which premium rewards card you own – which means your points are worth 1.25 to 1.5 cents per point when you use the travel portal.
The portal is extremely flexible. You have a wide number of airlines to choose from, and there are no blackout dates or seat restrictions. As long as a seat is available, you can book airfare using your rewards. And, if you don’t have enough points for the airfare, you can cover the difference using cash.
Redeeming your points for Apple rewards
Chase cardholders can also redeem points for Apple products through the Apple Ultimate Rewards store. Points have a solid 1 cent per point value when redeemed this way, making it a solid option for Chase cardholders.
Transferring points to an Ultimate Rewards travel partner
You can often get an even better value on your points by transferring them to one of Chase’s 14 travel partners. Points transfer at 1:1 rate, which means your points maintain their value, and you can look for sweet spots in each loyalty program’s rewards charts to maximize your point value.
You’ll need to be much more flexible in your travel times and preferences to get the best value on your transfers. Not only can rewards charts be very complicated, but loyalty programs often impose blackout dates and seating restrictions that can make it difficult to locate a rewards seat.
Chase Ultimate Rewards point transfer options
|Transfer partner||Estimated point value|
|Singapore Airlines||2.36 cents|
|World of Hyatt||2 cents|
|Iberia Plus||1.7 cents|
|Southwest Airlines||1.6 cents|
|JetBlue Airways||1.53 cents|
|United Airlines||1.52 cents|
|British Airways||1.4 cents|
|Emirates Skywards||1.1 cents|
|Air France/KLM||1 cent|
|Aer Lingus||1 cent|
|Virgin Atlantic||0.8 cent|
|Marriott Bonvoy||0.8 cent|
|IHG Rewards Club||0.55 cent|
Using the Ultimate Rewards portal versus transferring Ultimate Rewards points
In general, the decision of whether to use the Ultimate Rewards portal or transfer your points to an outside loyalty program comes down to how flexible you are and how much effort you want to invest in locating a rewards seat. Though you can get better values on your points by transferring them, rewards seats are limited and can be difficult to find.
In the end, spending your Chase points comes down to your personal preference. If you don’t have a trip planned in the near future, you might get more from cash back or merchandise. Just be sure to consider how far your points take you any time you redeem.
The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.
Robin Ratcliff is a former CreditCards.com rates and reviews reporter.
Ana Staples is a staff reporter and young credit expert reporter for CreditCards.com and covers product news and credit advice. She loves sharing financial expertise with her reader and believes that the right financial advice at the right time can make a real difference. In her free time, Anastasiia writes romance stories and plans a trip to the French Riviera she'll take one day—when she has enough points, that is.
*Number of destinations based on the published 2019 route network of Air Canada and its airline partners. Due to travel restrictions, government recommendations and passenger demand resulting from the impact of COVID-19, available destinations may vary.
**Eligible products include: Sapphire Preferred, Sapphire Reserve, JPMorgan Reserve, Ink Business Chase travel contact number, Ink Plus, Corporate Flex
†Flight reward bookings that include travel on a partner airline will be subject to a partner booking fee. Aeroplan points required for partner airline flight rewards are based on the actual distance flown between origin and destination. Taxes and third-party charges may apply. For full details please visit Aeroplan Program Terms and Conditions.
◊Any Air Canada seat available to buy in cash can also be redeemed for with points – fly flexibly with no blackout periods and no fare class restrictions.
Accounts subject to credit approval. Restrictions and limitations apply. Chase Aeroplan® credit cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Offer subject to change.
The Chase Aeroplan credit card will be serviced by Chase in English only.
The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.
JPMorgan Chase & Co.
JPMorgan Chase & Co. is a financial holding company. It provides financial and investment banking services. The firm offers a range of investment banking products and services in all capital markets, including advising on corporate strategy and structure, capital raising in equity and debt markets, risk management, market making in cash securities and derivative instruments, and brokerage and research. It operates through the following segments: Consumer and Community Banking, Corporate and Investment Bank, Commercial Banking, and Asset and Wealth Management. The Consumer and Community Banking segment serves consumers and businesses through personal service at bank branches and through automated teller machine, online, mobile, and telephone banking. The Corporate and Investment Bank segment offers a suite of investment banking, market-making, prime brokerage, and treasury and securities products and services to a global client base of corporations, investors, financial institutions, government and municipal entities. The Commercial Banking segment delivers services to U.S. and its multinational clients, including corporations, municipalities, financial institutions, and non profit entities. It also provides financing to real estate investors and owners as well as financial solutions, including lending, treasury services, investment banking, and asset management. The Asset and Wealth Management segment provides asset and wealth management services. The company was founded in 1968 and is headquartered in New York, NY.
How to Book 'Secret' Flights with Your Chase Ultimate Rewards Points
Many people like the Chase Sapphire Preferred and Chase Sapphire Reserve credit cards for earning travel rewards, myself included. You can use the points you accumulate to purchase plane tickets through a ton of different airlines, but some of them won’t show up on their site. In those situations, here’s what you do.
The Chase Travel Portal will show you flights with almost any airline, except for these four:
- Allegiant Air
- Norwegian Air
But as the Million Mile Secrets blog explains, you can still use your points to book flights through those airlines even though you won’t see them listed on the Chase site. You just have to do a little extra work:
- Go to Chase travel contact number Flights and find the flight you want, unless you want to fly Southwest. In that case, you’ll need to check the Southwest site.
- When you find the flight you want, note down the airline, date, flight number, departure city and time, and arrival city and time.
- Call the Chase Travel Center at 866-951-6592 and give them the chase travel contact number. They’ll deduct the points automatically from your account.
And the best part is you’ll earn miles and credit toward elite status as if you’d purchased a ticket with cash. If you’re still having trouble finding the flight you want, you can call the Chase Travel Center and ask them to search for you. This will probably take longer than searching yourself, but it’s a viable option. If you want to see how your Chase card’s points are worth toward these unlisted flights, you can learn more at the link below.
What to Do When the Flight You Want Isn’t on the Chase Ultimate Rewards Travel Portal
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