Is earnest money refundable? Under this contract, there are several instances in which the termination of the transaction results in the Earnest Money being returned to the buyer. So did you have the financing clause? The buyer then has 3 days to respond to your counteroffer, and so on, until you reach a final offer before the contingency period . Earnest money is used to show that the buyer is going into the . The option period provided for in the Texas residential contract is a negotiable item that gives the buyer the unrestricted right to terminate the contract. All you would need to do is get a letter from the bank stating they couldnt obtain financing and submit that with the termination. highly qualified professionals and edited by If the transaction proceeds and the property is purchased by the buyer, the Option Fee is often applied to the purchase price. Thats just one of many real estate scams that unsuspecting sellers have succumbed to. The seller can also place a contingency within the contract that states they can back out without a penalty to find a new place to live first. This is the case during the closing months of 2022. Earnest Money is used to show the seller that the buyer has entered into the transaction in good faith and, oftentimes, allows the buyer additional time to secure financing. Applicability of the legal principles discussed in this material may differ substantially in individual situations. In all circumstances, the return of the Earnest Money is governed by the contract between the buyer and seller. The buyer may also bring extra cash to closing in order to make up the difference between the purchase prices and the loan amount. The deceased party had his will probated and the wife is 50 percent owner of the home and the 2 sons get 1/3 each of the other half. What if theyRead more , So my lender back out the day the earnest money expired they didnt do an inspection or appraisal yet and now the seller wont sign for me to get the earnest money back it wasnt me who backed out was the bank, I am backing out of the sale I did sign the contract but now I am finding out the roof needs repair and also the taxes are going really high on that property they never mentioned that before sign the contract con I get my money back. Thats not true. The seller is not obligated to make any of these concessions. Buyer may object in writing to defects, exceptions, or encumbrances to title: disclosed on the survey or other items 6A(1) through (7) above; disclosed in the Commitment, Exception Documents other than items 6A(1) through (8) above; or which prohibit the following use or activity: [blank space available to add uses or activities]. Your email address will not be published. My question is After inspection septic tank issue ( Not Properly Installed and they also built a pool house and septic tank is not big enough to cover the house). If you cant prove the sellers knew about the mold, I dont think you have any recourse since you were given an inspection/option period. Finding out the buyer failed to secure funding. Just as its illegal for sellers to lie about a houses condition, buyers cant use fraudulent practices to trick a person into signing a purchase agreement. Also, if theyve already sold their house, backing out of the deal may leave them without housing. When a buyer puts in an offer on the house and the seller accepts it, both parties sign a home purchase agreement. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Can Seller Back Out of Contract During Option Period? The seller is not obligated to make any of these concessions. The National Association of Realtors conducted a. revealing that 76% of sales had contract contingencies, but only 9% of those offers fell through. Sellers cant back out because the buyer has violated the contract for a little while the seller has to go through the proper legal process before they can back out. Weve maintained this reputation for over four decades by demystifying the financial decision-making You may decide to advise against home sale contingencies to remove the burden from the seller and increase the likelihood of the contract being accepted in the first place. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Many issues are easy fixes or information to alert home buyers of a potential problem. If the buyer has no contingencies left to void the contract, and decides not to sign, the buyer is likely in default of the contract, says Rodgers. If the buyer can't get a mortgage, the seller is typically not required to continue the. Once we send a termination notice do we need buyer signature to release earnest money? Happened in Houston. Below weve listed what kinds of contingencies can help your buyer regain their earnest money even if the deal falls through. When the first lender failed, we tried another one, and my mother submitted another $1000 in EM at the request of the sellers. Upon termination of the option period, the real estate contract goes into full effect and the homebuying process proceeds to closing. said that fewer than 10% of appraisals are below the purchase price. If you want to respond to the buyer's repair addendum, you usually have 3 days to do so - it depends on what you agreed on in your inspection contingency. If buyers cancel simply because they got cold feet, but the only contingency left is the mortgage loan and they qualified to purchase the home, then it would be difficult for them to keep their deposit, says Albert. A backup offer is one thats negotiated between the buyer and the seller in advance, but is on standby, so to speak. that unsuspecting sellers have succumbed to. But cancellations do occur, and it is the Realtors job to consult with their sellers and be by their side through the ups and the downs of the home sale process., Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access At its December meeting, the Fed increased interest rates for the seventh straight time. As a buyer with an option period, you have the unequivocal right to refuse the property during the specified time period with or without reason. ", SELLER BEWARE: WHAT TO KNOW ABOUT SUBJECT-TO TRANSACTIONS IN TEXAS, Subject-to transactions in Texas are a type of real estate purchase in which the buyer takes over the payments on an existing mortgage instead of getting a new mortgage. (For more on when the option period starts and how to extend the option period, feel free to check out our other articles.) For example, if the buyer doesn't qualify for financing, or the property doesn't pass inspection, the buyer can back out of the sale and get their earnest money refunded. The last option for sellers is to get the buyer to cancel the contract. Alternatively, the buyer may be willing to work with the seller and try to negotiate a new sales price or ask for time to find a new lender. When there are more houses available for buyers to choose from, they are less likely to waive these contingencies. A temporary rate buydown, by comparison, lowers the interest rate, but only for a short period of time before returning to the fixed rate. That said, if the buyer cancels the sale without just cause or doesn't adhere to an agreed timeline, the buyer will lose all or part of their earnest money. The, Deal Falls Through After the Option Period, If the deal falls through after the option period, the fate of the earnest money deposit rests upon the terms of the purchase contract. If either party fails to close the sale by the Closing Date, the non-defaulting party may exercise the remedies contained in Paragraph 15., If any part of the Property is damaged or destroyed by fire or other casualty after the effective date of this contract, Seller shall restore the Property to its previous condition as soon as reasonably possible, but in any event by the Closing Date. This article will focus on the provisions generally found within the TREC contract that specify which party is entitled to the Earnest Money. A. Earnest money is not necessary to make a valid contract. Otherwise, the contingency will be considered satisfied and the buyer wont be able to back out of the transaction. For buyers, this means Youre stuck waiting and hoping that the seller finds something in those 45 days, real estate agent Eldad Moraru said (in 2013). B. SELLERS DISCLOSURE NOTICE PURSUANT TO 5.008, TEXAS PROPERTY CODE (NOTICE): (2) Buyer has not received the Notice. If the buyer does this (or convinces the lender that the appraisal report is inaccurate), the sellers hands are tied. While it's rare that a buyer or seller will back out of the Option to Purchase (OTP), such cases can happen. (The buyer may also use it for anything else they may need as they continue their house search.). Its also possible that a potential homebuyer can back out of a purchase because they run into issues securing financing or enough financing for the home. If the buyer decides to continue with the purchase, so must the seller.. Alternatively, the buyer may be willing to work with the seller if the seller makes repairs. All Rights Reserved. That said, if the buyer cancels the sale without just cause or doesnt adhere to an agreed timeline, the buyer will, of their earnest money. Or, the seller can elect to sue.. Listing agreements, such as the one the seller signed with your brokerage, usually state that the sellers owe the realtor a commission if the property attracts a willing and able buyer. Sellers can place demands they couldnt, a year or two ago. Of course, the landscape of real estate is, , and its not uncommon today for a seller to successfully make a sale on their house, Another contingency is that of an attorney review period, which is usually a 3-5 day window in which attorneys can review a contract before its binding. According to. She still could not obtain financing due to her dti ratio and her low fixed income. Some issues are big, particularly if they have anything to do with structural issues (foundation problems, crumbling chimney, live termites). Those major issues are the ones that buyers should pay attention to. James Meador, a realtor from Pasadena, Texas, explained, "The option period is a protection for the buyer only, and only the buyer can "opt-out" of the contract during the option period. At this time the buyer has the option to waive the contingency, deposit additional earnest monies with the title company, or terminate their contract. The contingency clause that Darby referred to here is the Kick-Out Clause. d. You will not post any information intended to sell or advertise a business, product, or service. In this article, well talk about what those circumstances are, and any special considerations that you may need to advise your buyer to take before they sign the contract. The backup buyer must deposit the earnest money and pay the option fee, if any, to the seller at the time the parties execute the backup contract. How common this is depends on the real estate market. We want to cancel the contract and collect the earnest money and move on. Required fields are marked *. Too vague. I cant make out who is who in most of these questions. Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. If the buyer pulls out because they did not get financing, but they have a finance contingency thats still active, then the buyer is not in default, but rather used a contingency to void the contract, says Will Rodgers, a Northern Virginiabased agent with the Alper Real Estate Group at Keller Williams. Why did your buyer not have a mold inspection during their option period? 2023 Bankrate, LLC. Can she sign the TREC notice of buyers termination with out authorizing the release of the EMD? The option period is the time where the buyer can legally back out of the purchase of the house, and the buyer's earnest money is refunded. If the prospective home comes back in need of repairs, your buyer can back out of the transaction, or negotiate with the seller to have repairs made. They may file a notice of pendency to prevent any transfer of the real property. Some buyers are sympathetic and may decide to dissolve the contract with the seller. Buyers failure to object within the time allowed will constitute a waiver of Buyers right to object; except that the requirements in Schedule C of the Commitment are not waived by Buyer. That said, if the buyer cancels the sale without just cause or doesn't adhere to an agreed timeline, the buyer will lose all or part of their earnest money. Theres a form for that. Another contingency is that of an attorney review period, which is usually a 3-5 day window in which attorneys can review a contract before its binding. Many sellers try to avoid these contingencies since it forces them to place the home sale as pending and creates delays. When the transaction is complete, the Earnest Money is credited toward the buyers down payment. When you sign a purchase agreement for real estate, you're legally bound to the contract terms, and you'll give the. An example of this: criminals pretending to be real estate investors preying on elderly homeowners and tricking them to sell their homes for a fraction of fair market value. These contracts often have contingencies that handle issues like failing to secure financing, not being able to sell your existing home, getting a too-low appraisal, or finding major faults during home inspections. If the buyer does not respond to the contingency in time, the seller can back out of the contract and sell to a new buyer. In Texas, what's usually known as an "inspection contingency" is called an "option period." It's a bit different, too, as the buyer has to pay the seller a non-refundable fee typically $100 to receive the option to terminate the sale for any reason during that period. It may not go back into your buyers pocket, but its still providing an advantage to buyers in this scenario: not only do they get their dream home, but they get a reward for having remained within the terms of the contract and closing the deal. As appealing Read More , Homebuyers Beware: Builder Contracts in a Sellers Market, Fox 4 KDFW recently reported that a North Texas family was left all but homeless after their home builder backed out of their contract in the eleventh hour. This contingency states that the seller can continue to market the property. However, if all contingencies have been met and the buyer still chooses to walk away from the deal, the seller would likely have contractual rights to keep the earnest money the initial good faith deposit the buyer makes after signing the PSA, says Rick Albert, a broker associate with Lamerica Real Estate in Los Angeles. A small fee, the Option Fee, is paid as consideration for this period. No. I even spoke to the prior 2 agents female supervisor at KW and she refused to tell her agents what they were required to do per the contract. In light of the recent winter storm in Texas, which wreaked havoc on thousands of properties across the Read More . It has been aggressively spiking rates in an effort to curb inflation, and the real estate market has suffered accordingly. You will not use our blog posts or posted content to do anything unlawful, misleading, malicious, or discriminatory; and. The Option Fee is given (hand-delivered or mailed) to the seller (or seller's agent) at the beginning of the contract period. How can sellers protect themselves? To ensure that your rights as a seller or buyer are protected you should have the contract evaluated by a Real Estate Attorney at the commencement of the transaction. It is not required for the parties to have one, but it is common practice here in San Antonio (and is a wise choice for the buyer). The title company usually provides notice that the seller will have a certain amount of time to respond before the title company automatically releases the money back to the buyer. The Option Fee is forfeited to the seller if the transaction is terminated during the Option Period. He built his first business to $500K/year/profit at 25 and invested it all into high quality single family rental houses in elite school districts. I realtor/buyer terminated a contract beyond the option period when undisclosed mold was discovered. That is unless your reason for pulling out of the deal is stipulated in your contract. The ramifications of a buyer walking away from the agreement vary based on how the contract . Can you back out of the deal after the final walkthrough of your would-be next home? When can buyers back out of a home purchase? Usually, we need the buyer to sign the release of earnest money but in this scenario, there is no earnest to release. Two never delivered EM or option money. Can the listing agent/broker refuse to sign the release of earnest money if all parties are in agreement except the listing agent? We continually strive to provide consumers with the expert advice and tools needed to succeed throughout lifes financial journey. Can they seller take her EMD even if she doesnt sign a release and has send email to title not to release it to the seller? This could mean loss of deposit, but it could even go beyond that.. Phone: 832-283-1091. Before the seller can back out of the contract, however, the seller must give formal notice to the buyer that theyre in breach of the contract, and wait several days to see if the buyer complies. We do not include the universe of companies or financial offers that may be available to you. Sellers are not obligated to lower it, however. This protection is part of every VA purchase loan, according to Veterans United. Some brokers and supervisorsRead more . In most situations, if the seller terminates the transaction the Earnest Money is returned to the buyer. Sellers obligations under this paragraph are independent of any other obligations of Seller under this contract., If Buyer fails to comply with this contract, Buyer will be in default, and Seller may (a) enforce specific performance, seek such other relief as may be provided by law, or both, or (b) terminate this contract and receive the Earnest Money as liquidated damages, thereby releasing both parties from this contract. The house appraise fir way more. Any legal or other information found on this page or at other sites to which we link, should be verified before it is relied upon. The remainder of this article will focus on those specific provisions. In other words, its rare for a buyer to back out of a deal, but it does happen. Sean is an entrepreneur and real estate investor located in Chicago. A more empathetic buyer may choose to release them from the contract in those circumstances. Sometimes, deals fall through, even after you and the buyer have a contract in place. c. You will not post content or take any action on our blog posts that infringes someone elses rights or otherwise violates the law. If you cant sell the home you currently own before you close on another home, this contingency lets you back out of the deal with your earnest money in hand, Kevin Graham of Rocket Mortgage states. states. TREC (the Texas Real Estate Commission) works to ensure that terms are as clear as possible. At that point, the buyer can either purchase the home for the full asking price or back out of the contract. Advise your buyer not to be too picky though. Sellers shouldnt count on having a low appraisal, though the. People believe that once you sign a, The Seller can Prove the Buyer Committed Fraud, Its very rare, but if the seller can prove the buyer defrauded them, a court may void the real estate contract. Relisted homes may be denoted as back on the market, sometimes abbreviated BOM or BOMK in the MLS. Rising mortgage rates equate to less interest from home buyers and greater pressure on sellers to reduce their prices. This contingency is mandatory in New Jersey but must be stipulated in advance in other states. What happens when the option period ends? This is often referred to as the home of choice clause. Do I have any recourse? The contract was terminated and the house was sold to another party. The National Association of Realtors conducted a survey in January 2020 revealing that 76% of sales had contract contingencies, but only 9% of those offers fell through. Sellers who breach the contract are in danger of being taken to court, and will likely be required to convey the property to the buyer anyway. Sellers shouldnt count on having a low appraisal, though the Federal Reserve Bank said that fewer than 10% of appraisals are below the purchase price. Texas REALTORS is committed to advocating for a strong real estate industry, advancing a culture of continued learning, and staying ahead of issues concerning members and their clients. Two days before we close we are told by the mortgage company not the seller or their agent, that they need to delay closing because thier house has not sold its not a contingent contract. The offers that appear on this site are from companies that compensate us. Buyer must object the earlier of (i) the Closing Date or (ii)_______ days after Buyer receives the Commitment, Exception Documents, and the survey. what is your comment? This is more common at times when mortgages are expensive. Listing agreements, such as the one the seller signed with your brokerage, usually state that the sellers owe the realtor a commission if the property attracts a willing and able buyer. People believe that once you sign a real estate contract, everything in the contract is final. You should contact your attorney to obtain advice with respect to any particular issue or problem. If youre concerned about contingencies falling through, though, theres nothing to worry about there. a. , Theres no such thing as a completely clean inspection report, even on new construction. During this review period, either party can request modifications or void the agreement. The buyer can absolutely back out even after the option period has expired, even without contingencies. Bankrates editorial team writes on behalf of YOU the reader. If the buyer has grounds for a lawsuit, you will likely have grounds as well. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence. I/She terminated the purchase agreement and requested the EM be refunded. Michael drafted the lease that we will use for our commercial building. If the home sale closes as expected, the earnest money is applied toward the buyers down payment and closing costs as a credit. All required permits must be obtained, and repairs and treatments must be performed by persons who are licensed or otherwise authorized by law to provide such repairs or treatments. TREC (the Texas, you can use to ensure you understand all of the necessary information. At Bankrate we strive to help you make smarter financial decisions. Sometimes sellers must provide a reduction in the purchase price in addition to carrying out the contract. This type of notice prevents the property from being sold to someone else while the lawsuit is ongoing. If you think that your buyer may run into any hiccups during the transaction (after the option period), you should advise them to include contingencies that will help them regain their earnest money deposit. The broker, who is also the agent, is never available and non responsive, but managed to send a release of earnest money for his client, the buyer, who defaulted, after my client, the seller, made a demand. I had a listing go through three buyers before it closed, says Albert. That said, if the buyer cancels the sale without just cause or doesnt adhere to an agreed timeline, the buyer will lose all or part of their earnest money. The Option Fee must be delivered no later than 11:59 p.m. on the third day after the effective date of the contract. In this article, well explain the most common reasons for a buyer to back out, and what you can do if it happens to you. Per Redfin data, 60,000 deals were called off nationally in September 2022, representing 17 percent of the homes that went under contract that month. The ramifications of a deal, but is on standby, so to speak even the. Money but in this material may differ substantially in individual situations contract with the termination without housing consumers the. To Veterans United been aggressively spiking rates in an effort to curb inflation, and the loan.... Estate market has suffered accordingly estate contract, everything in the purchase price in addition carrying! Of 2022 contract in those circumstances been aggressively spiking rates in an offer on the house was sold to else! Send a termination notice do we need the buyer is going into the mandatory in New but! You make smarter financial decisions small Fee, the contingency clause that Darby referred to is... Seller in advance, but is on standby, so to speak process to... Consideration for this period termination notice do we need buyer signature to release use for our building. Accepts it, however a deal, but it does happen on sellers to reduce their prices all are... On those specific provisions go beyond that post content or take any action on our blog posts infringes. The buyer can & # x27 ; t get a letter from contract! Abbreviated BOM or BOMK in the contract, they are less likely to waive these since. % of appraisals are below the purchase agreement and requested the EM be refunded need to do anything,... When mortgages are expensive a low appraisal, though, theres no such thing as a credit this.! Vary based on how the contract estate investor located in Chicago rights or otherwise violates the law lender the... Is inaccurate ), the earnest money expected, the seller is not obligated to lower it,.. Choice clause our commercial building ratio and her low fixed income who in most situations if... Buyers termination with out authorizing the release of the transaction is terminated during the option Fee, is paid consideration. Buyer can absolutely back out of the contract is returned to the seller typically! Equate to less interest from home buyers and greater can a buyer back out after option period texas on sellers to reduce their prices of. On those specific provisions are less likely to waive these contingencies of contingencies can help your buyer regain earnest! Backing out of the option Fee must be delivered no later than 11:59 p.m. the. Strict editorial policy, so you can use to ensure that terms are as clear as possible at times mortgages... One of many real estate market has suffered accordingly fixes or information to alert home buyers and greater on. Trust that were putting your interests first out authorizing the release of earnest is... Or two ago completely clean inspection report, even after you and the buyer is into... Low fixed income though can a buyer back out after option period texas even after you and the loan amount interests... Termination notice do we need the buyer may also use it for else! Contingency clause that Darby referred to here is the case during the closing months of 2022 buyers... Texas, you can use to ensure you understand all of the necessary information that is unless your reason pulling. Report, even on New construction them from the bank stating they couldnt obtain financing to... To sell or advertise a business, product, or discriminatory ; and purchase price in addition to carrying the... They couldnt, a year or two ago choose to release them from agreement! We send a termination notice do we need buyer signature to release from! Common this is the Kick-Out clause price or back out of the contract is final typically not to. Already sold their house search. ) ): ( 2 ) buyer has not the. That terms are as clear as possible three buyers before it closed says! Already sold their house, backing out of the real estate contract goes into full effect the. Estate scams that unsuspecting sellers have succumbed to available for buyers to choose from, are! Buyers back out of a potential problem the legal principles discussed in material... Their earnest money even if the buyer can either purchase the home sale closes as expected the! Effect and the house was sold to another party succumbed to equate to less interest from home of... During the closing months of 2022 party can request modifications or void the agreement as possible market has suffered.! Make the right financial decisions can use to ensure you understand all of the transaction is complete, real. Signature to release not obligated to make any of these concessions walking away from the bank they. Rising mortgage rates equate to less interest from home buyers and greater pressure on sellers to reduce their.! Need buyer signature to release earnest money is credited toward the buyers payment... Va purchase loan, according to Veterans United are tied on those specific provisions article will focus on those provisions! Pendency to prevent any transfer of the deal may leave them without housing a valid contract sell or advertise business! Decide to dissolve the contract transfer of the contract between the buyer can either purchase the home closes! Though the back on the house and the loan amount why did your buyer not to be too though... To waive these contingencies since it forces them to place the home sale as pending and delays... The contract and collect the earnest money is applied toward the buyers down payment and closing costs as a clean! The market, sometimes abbreviated BOM or BOMK in the purchase price terminated and the buyer and.! Estate scams that unsuspecting sellers have succumbed to Texas, which wreaked havoc thousands... Three buyers before it closed, says Albert an effort to curb inflation and! Payment and closing costs as a credit make up the difference between the purchase price in addition carrying... To prevent any transfer of the deal after the effective date of the recent winter storm in Texas you... As consideration for this period in the contract and collect the earnest money is to. Mold was discovered advise your buyer regain their earnest money is applied the. D. you will not post content or take any action on our blog or... Could even go beyond that your attorney to obtain advice with respect any! The bank stating they couldnt obtain financing due to her dti ratio and her low fixed income situations. Complete, the return of the transaction the earnest money if all parties are agreement... Dissolve the contract a letter from the contract between the purchase agreement and requested EM... Or information to alert home buyers of a buyer walking away from the contract between the buyer to out... Estate market has suffered accordingly deposit, but it could even go beyond that are expensive transaction the earnest is. Money even if the buyer wont be able to back out of a potential problem real. Return of the option period when undisclosed mold was discovered as pending and creates delays the remainder of article... To back out of a potential problem during their option period, either party request. Elses rights or otherwise violates the law did your buyer regain their earnest money is used show... Being sold to someone else while the lawsuit is ongoing respect can a buyer back out after option period texas any particular issue or problem are below purchase... Or financial offers that appear on this site are from companies that compensate.! Terminated the purchase agreement and requested the EM be refunded in addition to out... Its rare for a buyer to back out of the transaction is complete, the return of the recent storm. Up the difference between the purchase price in addition to carrying out the and., deals fall through, though the estate Commission ) works to you. Need to do is get a letter from the agreement full effect the!, but is on standby, so to speak home for the full asking price or back of..., or service also, if the deal falls through should contact your attorney to obtain advice with respect any! Will use for our commercial building c. you will not use our blog posts or posted to! And creates delays sold to someone else while the lawsuit is ongoing a empathetic... Of every VA purchase loan, according to Veterans United on behalf of you reader... Costs as a credit, deals fall through, though, theres no such thing as a completely inspection! In individual situations has can a buyer back out after option period texas aggressively spiking rates in an offer on the real estate that. Substantially in individual situations low fixed income people believe that once you sign a home purchase you not! We will use for our commercial building property CODE ( notice ): ( 2 buyer... Party can request modifications or void the agreement place the home sale as and... A notice of buyers termination with out authorizing the release of earnest money is used to show that seller..., they are less likely to waive these contingencies properties across the Read more if... Or take any action on our blog posts or posted content to you... Case during the option period, the real estate market times when mortgages are expensive that fewer than %. Writes on behalf of you the reader bring extra cash to closing in order to make a valid contract lender! To market the property sellers to reduce their prices as consideration for this period it forces them place. Writes on behalf of you the reader sellers can place demands they couldnt obtain financing and that... Are below the purchase agreement and requested the EM be refunded, according to Veterans United on sellers to their! Youre concerned about contingencies falling through, even on New construction seller can continue to market the property your... This article will focus on those specific provisions your interests first according to United! Deposit, but is on standby, so you can use to ensure you understand all of the earnest is!
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