Routinely squeaking by on five hours or less per night increases visceral fat levels, according to a 2010 Wake Forest University study. What’s more, after analyzing 28 different studies, UK researchers found that people who slept 5.5 hours or less per night ate an extra 385 calories the day after compared to those who snoozed for at least 7 to 12 hours. On top of that, they preferred to munch on fatty foods full of empty calories, like chips.

It's normal to feel a few hunger pangs when you cut your calorie intake, but you don't want to feel ravenous. Filling your diet with low energy-density foods -- ones that have a low calorie count per gram -- allows you to fill up on larger portions while controlling your calorie intake. Many of these foods also supply water and fiber, which can make you feel full, to help with weight loss.
44. Make Your Comfort Foods Healthier – There are so many creative ways to make your favorite comfort foods healthier. Do a little research to find healthy and delicious substitutes for your favorite comfort foods and desserts. Everyone has non-negotiables, or things they are unwilling to give up no matter what. See if you can find a healthy alternative. Here are some recipes you can try: French fries, Frozen grapes, Frozen Banana Ice Cream, & Pizza.
Probably more than you want to, in all the wrong places, and you could do harm to your bodily systems. Fasting causes many unwanted changes, including reduction in metabolic rate, which is something you don't want if you are trying to lose weight. It is better to eat sensibly, satisfying your need for energy and protein while avoiding 'excess calories' from too many sugars and fats. You weight loss on any diet would depend on a lot of variables, such as how much you weigh, how tall you are, what is your metabolism like. However, I would like to point out something very important. If you stop eating for a long time, your body interprets this as being a time where food is hard to find. Hence, it will put itself into survival mode, which means it will take as many calories as it can from any food ingested. Consequently, when you start eating again, you will put back on the weight you lost and then some. Your body will just think "Oh food! Better be prepared for next time I don't have some!" This will eventually lead to weight gain. Thus, if the goal is weight loss, an healthy alimentation (less sugar, whole grains, lots of fruits and veggies and some proteins to keep you full) and some exercising will be more profitable in the long run.
To lose weight, start cooking instead of eating out! Incorporate lots of lean proteins and fresh fruits and veggies. Stick to recommended portion sizes on food labels and recipes, use smaller plates for your meals, and save snacking for when you’re hungry, not just bored. Burn calories by walking or jogging 3 times per week and mixing in strength training, like squats and free weights, every few days. Use weight tracking apps to calculate your daily calories, doing your best to burn more than you eat!
Fancy coffee drinks from trendy coffee joints often pack several hundred calories, thanks to whole milk, whipped cream, sugar, and sugary syrups. A cup of regular coffee with skim milk has just a small fraction of those calories. And when brewed with good beans, it tastes just as great. You can also try nonfat powdered milk in coffee. You’ll get the nutritional benefits of skim milk, which is high in calcium and low in calories. And, because the water has been removed, powdered milk doesn’t dilute the coffee the way skim milk does.
5. Increase Protein and Fiber - It is not about just reducing your calorie intake! Know the difference between eating right and eating less! Reduce the fat and carbohydrate content in your food, increase the proteins and fibres. Carbohydrates are not totally bad for you. Here are some examples of fiber: apples, broccoli, asparagus, strawberries, any fruit, any vegetable, oatmeal, whole grains, etc. The carbs you want to avoid are the ones that turn straight into sugar, like white bread, white rice etc.
that lists sugar, fructose, or corn syrup among the first four ingredients on the label. You should be able to find a lower-sugar version of the same type of food. If you can’t, grab a piece of fruit instead! Look for sugar-free varieties of foods such as ketchup, mayonnaise, and salad dressing. Also, avoid partially hydrogenated foods, and look for more than two grams of fiber per 100 calories in all grain products. Finally, a short ingredient list means fewer flavor enhancers and empty calories.
"If you lose weight very rapidly, on a diet like a cleanse, then you're going to lose excess muscle," Aronne said. Muscle loss can be detrimental, because muscle tissue burns more calories than fat tissue; therefore, keeping muscle tissue can help with weight loss and maintenance, said Aronne, who is the author of the upcoming book "The Change Your Biology Diet" (Houghton Mifflin Harcourt, 2016).
Bird-dog is an excellent exercise to stabilize the lower back (spine) during extremity movement. It works on abs, back, hips and butt. Begin with a hands and knees position (downward dog) with your fingers pointing forward. Make sure that your hands are under your shoulders and knees are under your hips. Slowly stretch your opposite leg and arm almost parallel to the floor. Hold your balance for a few seconds without arching or sagging your back. Return to the initial position slowly and repeat the same alternating sides.

Thanks for your answer on an earlier question of mine. I’m wondering about how many calories I should increase for strength training days. Currently, I take in 130 calories more through a protein powder. I’m not sure if I have a medical problem or if I’m having too much protein or overestimating how many calories I need for lifting, because I’m not finding physical results in fat loss. I measure my waist every two weeks (and weigh myself to recalculate caloric intake value), and I doubt I’m building enough abs to counteract the inches of fat lost. I have a kitchen scale and measuring instruments for my foods. Based on that, I believe I’m eating less calories than I need for my weight and decreasing them by a little every few weeks. It might just be my bone structure and I can’t lose any more inches. My goal isn’t to lose weight and I’m not even sure if I should try to lose fat any more.

We’ve now arrived at tip number 16. If you’re still having trouble losing weight, despite following the 15 pieces of advice listed above, it might be a good idea to bring out the heavy artillery: optimal ketosis. Many people stalling at weight plateaus while on a low-carb diet have found optimal ketosis helpful. It’s what can melt the fat off once again.

Lastly, as I indicated, all my lifts are going up, but my weight (and even LBM, assuming my scale is even remotely accurate) so is it fair to say that strength gains are not directly related to muscle gains? Is this the “beginner” phase that you speak of frequently? The scale would indicate that muscle is going down….. But my presses, squats, deadlifts are all up.
Teaming up with other people who are also looking to lose weight may make individuals more likely to reach their weight loss goals. People can find weight loss support from friends, family, and online communities dedicated to healthful lifestyles. Studies have shown that simply receiving text message support can promote healthful behavior that can lead to lasting weight loss.
98. Hang The Pants That No Longer Fit You – Do you have a pair of pants you used to fit into? Hang them somewhere in your closet that you’ll see every day. If you fit into your pants before, you should be able to fit into them again. You can make that one of your SMART goals, and retest how your pants fit every month to make sure you’re on-track. This is about finding your personal emotional trigger, so it doesn’t have to be a pair of pants. It could also be a picture of yourself, or another item that reminds you of where you used to be and where you’re working to get to.

Sometimes, to whip your body into shape, you have to get a little nutty. While nuts are high in fat, it’s that very fat that makes them such powerful weapons in the war against a ballooning belly. In fact, research from Reina Sofia University Hospital reveals that study participants who consumed a diet rich in monounsaturated fats, like those in nuts, over a 28-day period gained less belly fat than their saturated fat-consuming counterparts while improving their insulin sensitivity.


“I tell all of my celebrity and professional-athlete clients to get between 6 and 8 hours of sleep per night. Everyone is overly focused on food, water and exercise, all of which are extremely imperative to weight loss and optimal health. However, without proper sleep, all of these the other factors are null and void. When you don’t get enough sleep, levels of the hormone leptin drop, which increases appetite. This surge in appetite makes comfort food more appealing, which can derail weight loss efforts.” — Jay Cardiello, celebrity fitness and nutrition expert

Bariatric surgery, an operation on the stomach and intestine used to treat obesity, may be an option for people who are still severely obese after attempting to lose weight through other methods, such as diet and exercise. People with a BMI of 40 or greater, or those with a BMI of 35 or greater who also have obesity-related health conditions (such as type 2 diabetes), are candidates for this invasive surgery, according to the NIH.

84. Take Progress Pictures – Every week, or month, take a shirtless picture of yourself to see your change over time. This comes back to motivation. Since you see yourself in the mirror every day, you might not notice the subtle changes in your aesthetics and physique. Taking pictures of yourself lets you compare where you started with where you are and where you’re going.
Sure, you can lose weight quickly. There are plenty of fad diets that work to shed pounds rapidly -- while leaving you feeling hungry and deprived. But what good is losing weight only to regain it? To keep pounds off permanently, it's best to lose weight slowly. And many experts say you can do that without going on a "diet." Instead, the key is making simple tweaks to your lifestyle.
A deload is needed more when volume is higher and you’re pushing for progress every workout. When fat loss is the goal, volume should purposely be reduced a little and you’re shooting more for maintenance (maybe with the occassional progress) rather than constant progress. Now if you’re going to be in a deficit for a while, sure… I can see taking a diet break when needed and possibly using that time to deload as well if it felt needed.
“If weight loss is the goal, I recommend learning how to properly deadlift. Deadlifting recruits more muscle fiber at once than any other exercise. More muscle working equates to more blood flow, an increased heart rate, more metabolic demand and output. It’s compound, multi-joint and more bang for your buck, not to mention you’ll develop an excellent posterior from them.” — Victoria Viola, PN Certified Nutrition Coach, NSCA CPT, Co-Founder, Excelerate Wellness, LLC
Watching that extra junk around your trunk turn your body into a full-blown Buddha belly puts you at an increased risk for heart disease, diabetes, and early death. Luckily, losing the weight doesn’t have to take forever; with these 22 belly fat-fighting tips, you can shave two inches off your waistline in as little as two weeks. Think your age will stand in the way of your weight loss? The 20 Ways to Lose Your Belly When You’re Older will help folks of any age get on track to their best body ever.

As for commercial weight loss programs, the most effective programs are in-person ones, where people regularly meet with a trained health professional, according to the 2013 guidelines. People should look for a program that lets them meet with a registered dietitian, psychologist, exercise specialist or health counselor at least 14 times over a six-month period, the guidelines say. If you can't attend an in-person program, some studies show that programs that use telephone calls, email or text messages to provide feedback on your progress can also help with weight loss.
Green tea isn't known only for its cancer-fighting benefits: It may help boost your metabolism, too. People who took green-tea extract three times a day saw their metabolic rate increase by about 4 percent, according to a study published in the American Journal of Clinical Nutrition. (Translation: You could burn an extra 60 calories a day, which equals about six pounds a year!) It may be because green tea contains catechins, which increase levels of the metabolism-speeding brain chemical norepinephrine, says Joy Bauer, a New York City nutritionist and author of Cooking with Joy.
In addition, the evidence that dieting improves people’s health is surprisingly poor. Part of the problem is that no one knows how to get more than a small fraction of people to sustain weight loss for years. The few studies that overcame that hurdle are not encouraging. In a 2013 study of obese and overweight people with diabetes, on average the dieters maintained a 6 percent weight loss for over nine years, but the dieters had a similar number of heart attacks, strokes and deaths from heart disease during that time as the control group. Earlier this year, researchers found that intentional weight loss had no effect on mortality in overweight diabetics followed for 19 years.
2. Sweep: Start with basic abs tuck (standing crunch). For that you have to lift one knee using the abs, and bend the other knee to sit slightly on the ground. Bring the rib cage to the bellybutton so that the spine is in C-curve position. Simultaneously, squeeze the oblique on one side to crunch while reaching down for the opposite foot. Do 10 repetitions for each side, then do 10 again (total of 20, alternating after 10).
84. Take Progress Pictures – Every week, or month, take a shirtless picture of yourself to see your change over time. This comes back to motivation. Since you see yourself in the mirror every day, you might not notice the subtle changes in your aesthetics and physique. Taking pictures of yourself lets you compare where you started with where you are and where you’re going.
The reason we’re suggesting 45 minutes instead of the typical 30 as one of the ways to lose weight is that a Duke University study found that while 30 minutes of daily walking is enough to prevent weight gain in most relatively sedentary people, exercise beyond 30 minutes results in weight and fat loss. Burning an additional 300 calories a day with three miles of brisk walking (45 minutes should do it) could help you lose 30 pounds in a year without even changing how much you’re eating. If you need motivation, try these secrets of women who work out every day.

“It’s far more difficult to eat a healthier diet and fit in exercise if you don’t plan ahead. Plan out your meals for the week ahead and go grocery shopping over the weekend to ensure you have the ingredients you need on hand. If you can, do some meal prep in your down time—cut fresh veggies, marinate your protein, cook up a batch of whole grains in advance. When you’re prepared you’re far less likely to order takeout. — Jessica Fishman Levinson, MS, RDN, CDN, culinary-nutrition consultant and founder of Nutritioulicious
I mean, people lose fat on low carb diets, low fat diets, paleo diets, vegan diets, raw food diets, diets that involve eating “clean” instead of “dirty” or not eating after a certain time at night, and countless other types of diets that involve every gimmick, fad and method you can think of except the specific task of creating a caloric deficit. But yet, they have all caused people to successfully lose fat.
Good post and you shed light on some “hidden meaning” points (eat low carb diet suddenly you stop eating excess bread). However, I have a question/statement. If I were to eat a calorie deficient diet, but one mainly of raw broccoli and miscellaneous other foods. Explain to me how it “doesn’t matter what you eat as long as you are calorie deficient” if the large amounts of goitrogenic acids in raw broccoli inhibit my ability to convert thyroxine into T3 therefore actually gain fat? And, explain to me someone with a very “stressful” life whom produces high amounts of cortisol eats calorie restrictive loses muscle and not fat?
“When clients come to me, many of them have been through the diet wringer. They’ve tried every fad and gimmick and, of course, they’ve failed to maintain long-term success. The key to weight loss is to never feel like you’re on a diet, because diets don’t work. If you feel deprived, you will never make it past a few weeks. The only way to achieve long-term weight loss is to learn to appreciate food as fuel and slowly replaced processed food that cannot properly energize the body with real food that can. After a while this will become second nature and won’t feel like a daily struggle.” — Laura Burak, MS, RD, CDN
… that lists sugar, fructose, or corn syrup among the first four ingredients on the label. You should be able to find a lower-sugar version of the same type of food. If you can’t, grab a piece of fruit instead, especially if you show signs you’re eating too much sugar. Look for sugar-free varieties of foods such as ketchup, mayonnaise, salad dressing, and these other foods with way more sugar than you realize. Also, avoid partially hydrogenated foods, and look for more than two grams of fiber per 100 calories in all grain products. Finally, a short ingredient list means fewer flavor enhancers and empty calories. Sounds impossible, but you can actually learn how to give up sugar without missing it.

Wheatgrass has a high concentration of iron, magnesium, calcium, amino acids, vitamins C, A and E, B12, B6 and chlorophyll. These vitamins and minerals provide many therapeutic benefits. Consuming wheatgrass can rid the digestive system of harmful bacteria and cleanse the body of toxins. It also cleanses the colon and can help in the treatment of joint pain, ulcerative colitis, skin infections and can even prevent diabetes. No wonder it is regarded as a superfood!

With an important event coming up, you may want to get rid of your belly fat in one week. While it's impossible to lose a lot of fat in just one week, you can lose water weight, which will reduce bloating and the appearance of fat in your belly. Long-term fat loss requires a commitment, but if you need a short-term solution, be strict in your diet and exercise to reach your goals.


Weight loss takes dedication, change, and ultimately time. Your weight loss journey may require you to exercise more frequently and more regularly than before, to prepare meals rather than conveniently grabbing food, or to more frequently attend appointments with physicians or fitness professionals. Losing weight may mean that you have less downtime, as now you're prioritizing workouts oversleeping in, or you now have to get up earlier to workout before work, which means you now have to go to sleep earlier each evening.
A nice carbonated beverage can hit the spot when you’re thirsty. But you’ll have to skip the bubbles while you’re on a middle-shrinking mission—nutritionist Palin ski says the gas will make your belly poof up right away. Drink plain old tap water to stay hydrated—and make sure you get at least eight glasses a day. The special ingredients aren’t just there for flavor, either: The ginger helps calm and soothe your GI tract.
Ultimately, weight loss for the long-term requires some short-term behavior change and healthier habit formation. That's why we created our Good Housekeeping Nutritionist Approved Emblem, which exists to help turn smart food choices into healthier eating habits. All GHNA foods and drinks make it easier to find — and eat — good-for-you foods without additional time, effort, and cost. We target the lifestyle-related factors that make healthier eating hard, and find simple but creative solutions that actually work! Look for the emblem on labels wherever you shop for food!
Being healthy is really about being at a weight that is right for you. The best way to find out if you are at a healthy weight or if you need to lose or gain weight is to talk to a doctor or dietitian, who can compare your weight with healthy norms to help you set realistic goals. If it turns out that you can benefit from weight loss, then you can follow a few of the simple suggestions listed below to get started.
This is ratio of weight in kilograms to the square of height in meters. This parameter helps doctors judge whether the person will suffer from heart disease or strokes. Those having a BMI of 25-29.9 are considered overweight and those with a BMI of 30 are considered obese. However, this parameter is not always accurate in measuring belly fat. In fact, you can measure your belly fat with a measuring tape in front of the mirror, and set your own targets to reduce belly fat. Looking at the mirror and checking regularly will motivate you to lose the unhealthy fat lining your abdomen.
34. Purge Your Cupboards – Throw out all of the processed, sugar-filled junk food so you aren’t tempted by it, especially these 7 most addictive unhealthy foods. If it’s not convenient, you’re much less likely to eat it. Instead, keep fruits and vegetables visible and readily available.37 This small change is associated with increased fruit and vegetable consumption, which could make all the difference in your weight loss efforts.38
You can also consider the option of resistance training as well. But it is advisable to take start with some cardio and belly fat reduction exercises only. You can go for resistance training after sometime. 20–30 minutes of cardio exercises and 20–30 minutes of belly fat spot reduction exercises will make a well organized workout regime. So don’t delay begin your journey right away.
Eating healthier takes a little more time and a little more money. When you're not focused on being health conscious, you can easily satisfy your hunger by going through a drive-thru or grabbing something from the vending machine. When you are focused on your health, or a specific fitness goal like weight loss, you're better off to prepare your own food than to eat out, making it a more time-consuming process, especially if you live somewhere like a food desert.

One of the very first cardio exercises to reduce belly fat is walking. Surprised? Do you think it’s too simple to be effective? Well, then you should know that walking is a great and effective way to burn away that ugly belly fat. In fact, it is an excellent fat burner for your entire body. If you follow a healthy diet along with walking at a steady pace for 30-45 minutes for at least four to five days every week, you will witness a gradual decrease in your weight.
While it is possible to lose 10 pounds in a week, it’s very unlikely—and most nutritionists wouldn’t recommend it. “I generally don't counsel that type of extreme weight loss,” says registered dietitian Maya Feller. “Losing more than a pound a day would be very challenging. Even when I’ve worked with [obese] patients, the most weight I've seen lost in a week in a real world setting—where the person has other obligations and isn’t spending the day in the gym—is 5 pounds.”
Hey Ken, happy you liked the article. I wouldn’t rely on the MyFitnessPal calorie intake / burn calculator. In general, calore intake calculators tend to overestimate calorie intake. I would stick to your target calorie intake even if you happen to do a little more exercise, or more activity. That’s my opinion. What I do with private training clients is use the Katch & McArdle method to arrive at estimated calorie burn, then subtract about 30-35% to create the estimated calorie intake. Another option, which is easier and similar, is just to multiply your weight x 10 for the calorie intake, which assumes 3 to 5 workout sessions. For more info, you can check out my article How to Calculate Calorie Burn.

55. Have 1 Healthy Snack At Work Per Day – Bringing a snack to work eliminates the temptation to buy less healthy options. Some great choices include an apple, hummus and veggies, hardboiled eggs, turkey jerky, or plain greek yogurt with berries. This should help keep your energy levels high while keeping your hunger under control until dinner time. Here are 25 awesome snack ideas to choose from.


46. Drink A Cup Of Water Before Every Meal – Drink a glass of water before every meal and snack to help increase satiety and weight loss. Staying hydrated can help you control your hunger so that you eat less calories.47 Now, you don’t need to go crazy and drink a gallon a day like a bodybuilder. Aim to drink 8-12 cups of water per day, approximately 8 cups for women and 12 cups for men.48
Experts warn that severely restrictive diets — which cut more than 1,000 calories per day — tend to be unsustainable. You might see a rapid weight loss at first, but you'll likely regain much of the weight. For example, Oprah Winfrey famously lost 67 lbs. (30 kg) on a diet that allowed her to consume just 420 calories a day, only to later regain the weight.
Start a calorie journal in which you write down the values of everything you eat. Creating a calorie journal and writing in it consistently will help you know when you've gone over your limit. It will tell you what foods worked when and whether they tasted good. It will give you a record of your struggles, which are always fun to look back on after the pain has passed!

34. Purge Your Cupboards – Throw out all of the processed, sugar-filled junk food so you aren’t tempted by it, especially these 7 most addictive unhealthy foods. If it’s not convenient, you’re much less likely to eat it. Instead, keep fruits and vegetables visible and readily available.37 This small change is associated with increased fruit and vegetable consumption, which could make all the difference in your weight loss efforts.38
It's important to have realistic expectations for weight loss with a reduced-calorie diet over the long term. Studies suggest that people can lose about 9 to 26 lbs. (4 to 12 kg) after six months of a typical reduced-calorie diet. Afterward, people usually gain back some of that weight, so they end up with a total of 9 to 22 lbs. (4 to 10 kg) of weight loss after one year, and 6 to 9 lbs. (3 to 4 kg) of weight loss after two years, according to the 2013 guidelines. [2016 Best Bathroom Scales]
STARVATION V.S. DIETING*** . BELIEVE IT OR NOT, YOU lose LESS weight by not eating than you would if you ate! HOWEVER, you must follow some guidelines. FIRST, the not eating issue. The human body is a very smart machine. When you stop eating, your body goes into "starvation mode", not knowing when it will get food next. SO, your body slows down your metabolism, burning less calories and conserving energy. Your "fat burning furnace" goes into the survival mode, and burns off fat VERY SLOWLY (remember, your not giving your body food, so it must conserve as much as possible.) THEREFORE, the fastest way to lose weight is to eat often, like six times a day. HOWEVER, AND THIS IS A BIG HOWEVER, the meals must be very small and high quality, ie...no junk or fast food. GOOD calories, like protiens, complex carbohydrates (not simple sugars), fruits, vegetables, etc... AND, THIS IS A BIG AND, YOU MUST increase your exercise, and burn more calories. By eating small, healthful meals six times a day, your metabolism rate and "fat burning furnace" stay on "high speed", burning up calories and fat like crazy. Your TOTAL DAILY CALORIE INTAKE (ALL SIX MEALS) SHOULD ADD UP TO NO MORE THAN 2000 CALORIES. If you don't exercise like crazy, it should be even less calories. NOTE: EXERCISE LIKE CRAZY is not difficult. Incorporate exercise into every aspect of your day. EXAMPLES: EVERYONE goes to the store. When you park your car, park at the farthest parking space from the entrance. YOU DO NOT NEED TO SPEND $1000.00 FOR A HEALTH CLUB MEMBERSHIP, ONLY TO WALK ON A STAIRMASTER AND GO NOWHERE!!! Walk to the post office, walk to the store, walk, walk, walk!!! If you live in the country, walk the roads. If you desire safety, go MALL WALKING. WHEN you walk, don't just plug along; walk quickly and steadily. You can even walk up and down your porch stairs repeatedly (if you have stairs). If you really want to lose weight, stick to these suggestions and you can lose as much weight as you want! THERE IS NO EASY WAY, MAGIC PILL, DIET DRINK OR ANY OTHER CRAP THAT MAKES YOU DROP WEIGHT.! GOOD LUCK TO YOU!
Snacking can be a gray area for weight loss. Really think about whether a snack is necessary before eating it. A low-calorie snack can be a good option before or after a work out or if you're feeling very hungry and there's more than two hours until your next meal.[11] To keep your metabolism moving and keep yourself full, you should be eating every three to four hours. That might mean multiple small meals or three meals with snacks in between.
well, it depends on you and your body. you may loose weight because we're always nostop moving in cheerleading, but also be prepared to gain some weight from building muscle and muscle mass. cheerleading can also have an affect on your diet. we need to eat energy rich foods (fruits, veggies, protein/energy bars, etc.) and cut out the junk food because it makes your voice crack, and also doesn't provide long-term energy. water is the most important (we're sweating an burning a lot of energy... and whatever else)
It can actually help you cut back on calories. That's because capsaicin, a compound found in jalapeno and cayenne peppers, may (slightly) increase your body's release of stress hormones such as adrenaline, which can speed up your ability to burn calories. What's more, eating hot peppers may help slow you down. You're less likely to wolfed down that plate of spicy spaghetti —— and therefore stay more mindful of when you're full. Some great adds: Ginger, turmeric, black pepper, oregano, and jalapenos.
If you want to lose weight you’d better avoid special “low-carb” products that are full of carbs. This should be obvious, but creative marketers are doing all they can to fool you (and get your money). They will tell you that you can eat cookies, pasta, ice cream, bread and plenty of chocolate on a low-carb diet, as long as you buy their brand. They’re full of carbohydrates. Don’t be fooled.
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