<figure class="wp-block-image size-full"><img loading="lazy" width="1024" height="1024" src="https://angel-prod-public-content.s3.ap-southeast-1.amazonaws.com/wp-content/uploads/sites/2/2026/07/image-2.png" alt="Young Malaysian couple reviewing Residensi Wilayah RUMAWIP application documents at home." class="wp-image-102927" srcset="https://angel-prod-public-content.s3.ap-southeast-1.amazonaws.com/wp-content/uploads/sites/2/2026/07/image-2.png 1024w, https://angel-prod-public-content.s3.ap-southeast-1.amazonaws.com/wp-content/uploads/sites/2/2026/07/image-2-300x300.png 300w, https://angel-prod-public-content.s3.ap-southeast-1.amazonaws.com/wp-content/uploads/sites/2/2026/07/image-2-150x150.png 150w" sizes="(max-width: 1024px) 100vw, 1024px" /></figure>



This guide explains who can apply for Residensi Wilayah, formerly known as RUMAWIP, the RM300,000 price cap on units under the scheme, and the 10-year moratorium that applies once you buy.



In this article:



<ul><li><a href="#what-is-residensi-wilayah-rumawip">What Is Residensi Wilayah (RUMAWIP)?</a></li><li><a href="#who-is-eligible">Who Is Eligible to Apply?</a></li><li><a href="#how-to-apply-residensi-wilayah">How to Apply for Residensi Wilayah?</a></li><li><a href="#how-does-rm300000-price-cap-affects">How Does the RM300,000 Price Cap Affect Your Costs?</a></li><li><a href="#scenario-two-applicants">Scenario: Two Applicants, Two Situations</a></li><li><a href="#what-are-the-limits-of-moratorium">What Are the Limits of the 10-Year Moratorium?</a></li><li><a href="#faqs">FAQs</a></li></ul>



This article is general information, not financial or legal advice. Eligibility criteria and application steps can change, so always confirm the current requirements directly with Jabatan Wilayah Persekutuan (JWP) or the relevant Federal Territory housing office before applying.



For a lot of first-time buyers working in Kuala Lumpur, Putrajaya, or Labuan, the gap between what a starter home costs and what a young household can actually afford is the whole problem. Residensi Wilayah exists to narrow that gap. Official guidance from Jabatan Wilayah Persekutuan (JWP), under the Ministry of Federal Territories, confirms that the scheme offers affordable housing units capped at RM300,000 for first-time buyers born in, living in, or working in the Federal Territories, subject to a 10-year selling moratorium.



That price cap and that moratorium are really the two things every applicant needs to understand before going further. One shapes what you can buy and what it costs you upfront. The other shapes how long you are expected to hold the property once you own it.



<h2 id="what-is-residensi-wilayah-rumawip">What Is Residensi Wilayah (RUMAWIP)?</h2>



Residensi Wilayah is the current name for what was previously marketed as RUMAWIP, a public housing initiative aimed at first-time buyers based in the Federal Territories. The scheme is run by Jabatan Wilayah Persekutuan (JWP), under the Ministry of Federal Territories, with the Ministry of Housing and Local Government (KPKT) and Federal Territory local authorities also involved in implementation. It is specifically tied to Kuala Lumpur, Putrajaya, and Labuan rather than being open nationwide.



Units under the scheme are generally priced at or below the RM300,000 ceiling, with a minimum unit size around 800 square feet, though exact pricing and size are project-specific and can vary between launches. This is meant to keep monthly repayments within reach of first-time buyers on moderate incomes. Document requirements are set by JWP and can be adjusted over time, so the most reliable step before applying is checking the current criteria through the official application channel rather than relying on older news coverage.



<h2 id="who-is-eligible">Who Is Eligible to Apply?</h2>



At a baseline level, the scheme is built around the following conditions confirmed by Jabatan Wilayah Persekutuan (JWP):



<ul><li>Citizenship and age. Applicants must be Malaysian citizens aged 21 and above.</li><li>First-time buyer status, no existing property. Applicants and their spouse, if married, should not already own residential property within the Federal Territories.</li><li>Residency, birth, or work location. Applicants must have been born in, currently live in, or currently work in Kuala Lumpur, Putrajaya, or Labuan.</li><li>Household income ceiling. Gross monthly household income should not exceed RM10,000 for a single applicant, or RM15,000 for a married couple applying jointly.</li><li>One application per household. Only one Residensi Wilayah application is permitted per household at a time.</li></ul>



Unit availability still depends on what is open for application at the time, since projects open and close as they are sold out.



<h2 id="how-to-apply-residensi-wilayah">How to Apply for Residensi Wilayah</h2>



Applications are made entirely online through JWP&#8217;s official portal at residensiwilayah.jwp.gov.my, which has four main sections: Daftar (register), Log Masuk (log in), Projek (browse available projects), and Manual (application guide). At a high level, the process runs as follows:



<ul><li>Register an account on the official portal and complete your personal profile.</li><li>Browse open projects under Projek, since availability changes as units are launched and sold out.</li><li>Select a project and submit your application, uploading the supporting documents listed on the portal, such as identification, income proof, and marital status documents where applicable.</li><li>Track your application status by logging back into the portal, since a developer-level review is typically followed by a further review from JWP&#8217;s secretariat.</li></ul>



A word of caution: residensiwilayah.jwp.gov.my is the only official application channel for this scheme. Several third-party websites and property agents also advertise Residensi Wilayah units and offer to assist with applications, sometimes for a fee. Applying directly through the official portal costs nothing, so treat any request for payment to &#8220;secure&#8221; an application or guarantee approval as a red flag, and verify any agent&#8217;s involvement against the official portal before sharing personal documents.



<h2 id="how-does-rm300000-price-cap-affects">How Does the RM300,000 Price Cap Affect Your Costs?</h2>



The price cap does most of the affordability work here, but it is worth breaking down what a unit near that ceiling actually costs a buyer once financing and transaction costs are added. The figures below are simplified for illustration only, since actual loan terms, legal fees, and stamp duty reliefs depend on the buyer&#8217;s own financing arrangement and any exemptions in effect at the time of purchase.



<ul><li>Unit price: RM300,000</li><li>Illustrative 10% down payment: RM30,000</li><li>Illustrative loan amount at 90% margin of financing: RM270,000</li></ul>



Buyers should also budget for the <a href="https://www.iproperty.com.my/guides/mot-stamp-duty-malaysia-2026-rates-reliefs--how-to-calculate-total-acquisition-costs-100366">total acquisition costs on top of the purchase price</a>, which typically include legal fees and stamp duty on both the transfer of ownership and the loan agreement, though first-time buyers under government schemes may qualify for specific reliefs depending on what is in force at the time.







<a href="https://www.iproperty.com.my/property-for-sale/p/residensi-wilayah" class="iproperty-button-primary iproperty-button-width-full" target="_blank" rel="noopener">Check Residensi Wilayah For Sale</a>







<h2 id="scenario-two-applicants">Scenario: Two Applicants, Two Situations</h2>



Applicant A works in Kuala Lumpur but currently rents, has never owned property, and is applying as a single first-time buyer with a gross monthly income of RM8,500. Applicant B is married, works in Putrajaya, and is applying jointly with a spouse who also has never owned property, with a combined gross monthly household income of RM13,000.



Both meet the baseline citizenship, age, and Federal Territory work-location conditions. Applicant A falls under the RM10,000 single-applicant income ceiling, and Applicant B falls under the RM15,000 married-applicant ceiling, so both are within range on paper. Where they are likely to differ is in what unit sizes and locations are actually available to them within the RM300,000 cap, since supply varies by launch and location. Neither applicant&#8217;s outcome is guaranteed by meeting the baseline conditions alone. Unit availability and final approval still depend on JWP&#8217;s assessment at the time of application, and on the applicant&#8217;s own bank loan eligibility.



This is one reason it helps to compare Residensi Wilayah against other <a href="https://www.iproperty.com.my/property-insights/government-housing-schemes-for-b40-and-m40-groups-46188">affordable housing schemes in Malaysia</a> before deciding where to apply, since eligibility bands and unit locations differ across schemes even when the underlying goal, getting first-time buyers into homeownership, is the same.



<h2 id="what-are-the-limits-of-moratorium">What Are the Limits of the 10-Year Moratorium?</h2>



The moratorium is the part of the scheme that most affects long-term planning rather than upfront cost. Under JWP&#8217;s guidance, units bought through Residensi Wilayah generally cannot be transferred or sold on the open market for 10 years without government approval. Some JWP materials indicate that transfer to an immediate family member, such as a spouse or child, may be allowed, but applicants should confirm the current terms directly with JWP or in the official application manual rather than assume this applies automatically. This restriction is meant to prevent the scheme&#8217;s affordable units from being flipped quickly for profit rather than used as long-term housing.



For most buyers who intend to actually live in the unit, this restriction is not a practical obstacle. It matters more for anyone thinking of the purchase primarily as a short-term investment, since the scheme is not structured with that use case in mind. Owners considering the trade-off should also weigh it against <a href="https://www.iproperty.com.my/apartment-for-sale/in-kuala-lumpur-58jok">apartments for sale in Kuala Lumpur</a> in the open market, where no such moratorium applies but prices are generally not capped at RM300,000 either.







<a href="https://www.iproperty.com.my/property-for-sale/in-kuala-lumpur-58jok/priced-under-300k-rm" class="iproperty-button-primary iproperty-button-width-full" target="_blank" rel="noopener">Browse Homes Under RM300,000 in Kuala Lumpur</a>







Before applying, it is worth treating the moratorium as a long-term commitment rather than a formality. If your plans over the next decade are still uncertain, that is a reasonable thing to weigh against the affordability the scheme offers.



<h2 id="faqs">FAQs</h2>



Is Residensi Wilayah the same as RUMAWIP? 



Yes. Residensi Wilayah is the current name for the scheme previously known as RUMAWIP, run by Jabatan Wilayah Persekutuan (JWP) under the Ministry of Federal Territories, for the Federal Territories.



Can I apply if I already own a property elsewhere in Malaysia? 



Owning property outside the Federal Territories is generally not disqualifying on its own. The condition is specifically about not already owning residential property within Kuala Lumpur, Putrajaya, or Labuan, so applicants should confirm their exact standing with JWP if unsure.



What happens if I need to sell within the 10-year period? 



Selling on the open market during the moratorium generally requires government approval and is otherwise restricted. Some JWP materials suggest transfer to an immediate family member, such as a spouse or child, may be allowed, but this should be confirmed directly with JWP or the official application manual rather than assumed. Owners in this situation should check current conditions with JWP before assuming a sale is possible.



Does the RM300,000 cap apply to every unit under the scheme? 



Based on current guidance, yes, units are priced at or under that ceiling. Specific unit sizes, locations, and availability still vary by project and by when you apply.



Do I need to work in the Federal Territories, or just live there? 



JWP&#8217;s guidance allows applicants who were born in, currently live in, or currently work in Kuala Lumpur, Putrajaya, or Labuan to qualify, so applicants do not need to meet all three at once.

First Home Buyers

How to Check Your Eligibility and Apply for Residensi Wilayah (RUMAWIP)

<figure class="wp-block-image size-full"><img loading="lazy" width="1024" height="1024" src="https://angel-prod-public-content.s3.ap-southeast-1.amazonaws.com/wp-content/uploads/sites/2/2026/07/generated_image.png" alt="Malaysian condominium owner reviewing strata building by-laws documents at a table." class="wp-image-102914" srcset="https://angel-prod-public-content.s3.ap-southeast-1.amazonaws.com/wp-content/uploads/sites/2/2026/07/generated_image.png 1024w, https://angel-prod-public-content.s3.ap-southeast-1.amazonaws.com/wp-content/uploads/sites/2/2026/07/generated_image-300x300.png 300w, https://angel-prod-public-content.s3.ap-southeast-1.amazonaws.com/wp-content/uploads/sites/2/2026/07/generated_image-150x150.png 150w" sizes="(max-width: 1024px) 100vw, 1024px" /></figure>



In this article:



<ul><li><a href="#what-is-the-strata-management-act-2013">What Is the Strata Management Act 2013?</a></li><li><a href="#how-does-the-act-override-an-older-deed-of-mutual-covenant">How Does the Act Interact With an Older Deed of Mutual Covenant?</a></li><li><a href="#how-do-standardized-by-laws-affect-your-out-of-pocket-costs">How Do Standardized By-Laws Affect Your Out-of-Pocket Costs?</a></li><li><a href="#scenario-two-owners-two-sets-of-rules">Scenario: Two Owners, Two Sets of Rules</a></li><li><a href="#what-are-the-limits-of-the-acts-by-laws">What Are the Limits of the Act&#8217;s By-Laws?</a></li><li><a href="#faqs">FAQs</a></li></ul>



The Strata Management Act 2013 sets standardized building by-laws for strata schemes in Peninsular Malaysia and Labuan, and these by-laws generally take priority over conflicting terms in an older Deed of Mutual Covenant.



Many owners in older strata developments have never actually read their own building&#8217;s rulebook. It sits somewhere in a folder from the day they signed the Sale and Purchase Agreement: the Deed of Mutual Covenant, or DMC for short, listing house rules, common property use, and owner obligations. For buildings completed before the current statutory framework, that deed was often the only reference point anyone had. Official guidance from the Ministry of Housing and Local Government (KPKT) confirms that the <a href="https://en.wikipedia.org/wiki/Strata_Management_Act_2013">Strata Management Act 2013</a> provides standardized statutory by-laws for strata schemes in Peninsular Malaysia and the Federal Territory of Labuan. Where a developer&#8217;s original Deed of Mutual Covenant conflicts with these statutory by-laws, the statutory framework generally takes priority, though clauses that do not conflict may still remain relevant.



This article is general information, not legal advice. If a specific dispute is involved, confirm the current position with your Management Corporation, a strata title lawyer, or KPKT directly.



That distinction is not academic. It decides what a management corporation can actually enforce, what a Joint Management Body can and cannot do, and what an owner can point to if a dispute ends up in front of the Strata Management Tribunal.



<h2 id="what-is-the-strata-management-act-2013">What Is the Strata Management Act 2013?</h2>



The Act, administered by KPKT, brought a consistent legal structure to strata title properties across Peninsular Malaysia and the Federal Territory of Labuan. Before it existed, strata living ran mostly on whatever terms each developer chose to write into their own Deed of Mutual Covenant. Pet rules, renovation hours, parking allocation, common property use, all of it varied from one project to the next, largely because there was no single statutory reference point to check against.



The Act changed that by setting a standard set of by-laws that apply to every strata scheme by default. Management corporations can still adopt additional house rules for their own building, but those additions cannot contradict the statutory base underneath them.



<h2 id="how-does-the-act-override-an-older-deed-of-mutual-covenant">How Does the Act Interact With an Older Deed of Mutual Covenant?</h2>



This is the part that catches long-time owners off guard. A Deed of Mutual Covenant signed in, say, 2005 might spell out its own procedure for common property use, or a different approach to owner voting rights than what the Act now requires. Where an older deed conflicts with the Act or its prescribed by-laws, the statutory framework is generally the reference point that a JMB, MC, or Tribunal will apply.



Two clauses tend to clash most often:



<ul><li>Common property access and use conditions, where an older deed may impose stricter or looser terms than the statutory default.</li><li>Owner voting and quorum arrangements, where a legacy deed&#8217;s procedure may not match the Act&#8217;s framework for management corporation meetings.</li></ul>



Where a genuine conflict exists, the statutory by-law is generally what a Joint Management Body, Management Corporation, or the Strata Management Tribunal will apply. The old deed does not necessarily need to be physically amended for this to take effect. It typically stops being enforceable on the specific point where it disagrees with the Act, while the rest of the deed may still stand.



<h2 id="how-do-standardized-by-laws-affect-your-out-of-pocket-costs">How Do Standardized By-Laws Affect Your Out-of-Pocket Costs?</h2>



The financial effect of standardization is mostly indirect. It shows up less as a bill and more as reduced ambiguity, and ambiguity has a cost of its own when it is left unresolved.



Take a common flashpoint: a disputed renovation deposit. Say a building collects a RM1,000 deposit for renovation works, and later withholds RM300 of it, citing damage the owner disputes. These figures are illustrative only; actual deposits and deduction practices vary by building. Under the standardized by-law framework, that deduction needs a documented basis consistent with the building&#8217;s registered by-laws. Before this framework existed, an owner in that position had only the developer&#8217;s original deed to argue against, and older deeds frequently said nothing about renovation deposits at all.



The saving here is not a fixed Ringgit amount. It is fewer hours spent arguing from scratch if the dispute reaches the <a href="https://www.iproperty.com.my/guides/strata-management-tribunal-smt-how-to-make-a-claim-86804">Strata Management Tribunal filing process</a>, because the Tribunal now has one statutory reference point for the points that are actually in conflict, rather than relying purely on how each developer&#8217;s deed happened to word the same issue. Non-conflicting clauses in the original deed can still apply alongside it.



<h2 id="scenario-two-owners-two-sets-of-rules">Scenario: Two Owners, Two Sets of Rules</h2>



Owner A lives in a project completed in 2010, still technically sitting under a Deed of Mutual Covenant that predates the Act. Owner B lives in a project completed in 2019, where the by-laws were drafted with the Act already in force.



Both want to keep a pet. Owner A&#8217;s original deed says nothing about pets at all. Owner B&#8217;s building by-laws include a specific pet clause written to align with the Act&#8217;s standardized provisions.



In practice, both owners end up governed by the same statutory baseline at minimum. Owner A&#8217;s silence in the old deed does not mean pets are unregulated, it means the statutory by-law generally fills the gap the deed left open, though the building&#8217;s Management Corporation could still adopt its own additional house rules on the matter through the proper resolution process. Owner B&#8217;s building simply had the advantage of being drafted after that framework already existed.



Where this tends to surface in real life is during a <a href="https://www.iproperty.com.my/guides/strata-property-jmb-or-mc-60183">Joint Management Body handover</a>, when governance shifts from developer-managed to owner-managed. That is often the moment residents first notice their building&#8217;s by-laws do not quite match what they assumed from the original sales documents.







<a href="https://www.iproperty.com.my/property-for-sale/p/strata" class="iproperty-button-primary iproperty-button-width-full" target="_blank" rel="noopener">Check Out Strata Properties in Malaysia</a>







<h3 id="what-are-the-limits-of-the-acts-by-laws">What Are the Limits of the Act&#8217;s By-Laws?</h3>



The Act&#8217;s by-laws are a floor, not a ceiling. A management corporation can adopt additional house rules, but only by following the process and authority set out in the Act and its regulations, typically through a resolution passed at a general meeting, and only where those additional rules do not contradict the statutory by-laws. That is why two buildings under the exact same statutory framework can still feel quite different day to day. One might permit motorcycles in visitor bays, another might not. One might set specific renovation hours, another might leave it broader.



Owners moving between developments, or weighing options among <a href="https://www.iproperty.com.my/condo-for-sale/in-petaling-jaya-xc3lb">condominiums for sale in Petaling Jaya</a>, should treat the Act as the baseline expectation, not the full picture, and always confirm the specific building&#8217;s own registered by-laws before assuming how a rule will be applied. Deposits, working hours, and deduction procedures vary by building even under the same statutory framework.







<a href="https://www.iproperty.com.my/apartment-condo-service-residence-for-sale" class="iproperty-button-primary iproperty-button-width-full" target="_blank" rel="noopener">Search for High Rise Residential Properties</a>







If you are not sure whether your building&#8217;s rules have actually been updated since the Act came into force, ask your Management Corporation or Joint Management Body for a copy of the registered by-laws. It is a reasonable first step before raising anything formally, and it usually resolves the confusion faster than escalating straight to the Tribunal.



<h2 id="faqs">FAQs</h2>



Does the Strata Management Act 2013 apply to all strata properties in Malaysia? It applies to strata schemes in Peninsular Malaysia and the Federal Territory of Labuan. Sabah and Sarawak have their own separate legal frameworks, so owners there should check the applicable local legislation rather than assuming this Act applies directly.



Do I need to formally cancel my Deed of Mutual Covenant? No. The deed may still remain relevant, especially for clauses that do not conflict with the Act or its prescribed by-laws. Where a genuine conflict exists, the statutory framework generally takes priority on that specific point, without requiring formal cancellation of the deed.



Can my Management Corporation add rules beyond the standardized by-laws? Yes, through a resolution passed at a general meeting, provided the additional rules do not contradict the Act. This is common for things like pet policies, parking, or renovation hours.



What happens if my building&#8217;s rules are unclear or missing on a specific point? The statutory by-laws under the Act serve as the default. If your building&#8217;s own additional by-laws do not address a matter, the Act&#8217;s provisions typically fill that gap, subject to confirmation with your Management Corporation or a strata legal adviser.



Where do disputes over by-laws get resolved? Unresolved disputes between owners and a Management Corporation or Joint Management Body are generally brought before the Strata Management Tribunal, which applies the Act&#8217;s framework as its primary reference, subject to the specific facts of each case.

Home Owners

What the Strata Management Act 2013 Means for Your Building's By-Laws

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So what happens when your lifestyle demands something more flexible?



<h2>Why Fibre Doesn’t Work for Every Home</h2>



While fibre broadband is widely available, it doesn’t always suit modern, mobile living.



For renters, installation may not be allowed—or may require approvals that take time. Even when permitted, it often involves technician appointments, drilling work, and waiting periods that can stretch for weeks.



There’s also the issue of commitment. Many fibre plans come with long contracts, which may not align with short-term leases or uncertain living arrangements.



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<h2>An Alternative That Works Instantly</h2>



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<h2>Built for Real-Life Living Situations</h2>



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If you’re renting a condo where fibre isn’t available, it gives you immediate access to home WiFi without installation complications.



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At the same time, Yes 5g advanced is powered by one of the most advanced networks in Malaysia, delivering better indoor penetration and broader outdoor coverage. This ensures a more reliable and responsive connection, supported by improvements in uplink, downlink, and latency for smoother everyday use.



<h2>What You Get with Yes 5g advanced Broadband</h2>



Beyond convenience, the setup is designed to meet everyday home needs.



You get a portable WiFi solution that works straight out of the box, with no installation required. The router is easy to set up and can be used across different locations, giving you flexibility that traditional fibre doesn’t offer.



Performance-wise, it supports up to 128 devices at once, making it suitable for modern households where work, streaming, and gaming often happen simultaneously.



There&#8217;s also an added productivity benefit with complimentary access to ILMUchat Pro, Malaysia&#8217;s homegrown AI assistant. Powered by the same advanced 5G network, ILMUchat helps with everyday tasks—from answering questions and creating visuals to preparing presentations and building digital tools. Built by Malaysians, for Malaysians, it understands local languages and context, supporting natural conversations in Bahasa Melayu, English, Chinese, dialects, and Manglish.



Unlike traditional broadband, it removes the need for installation timelines or fixed-location commitments—making it especially practical for renters and those with flexible living arrangements.



<h2>Try It Risk-Free</h2>



Trying a new broadband solution doesn’t have to feel like a long-term commitment.



With a 7-day return policy, users can test the service and see if it fits their needs. If it doesn’t, there’s the option to opt out—offering added peace of mind with minimal risk.



<h2>A Practical Fit for Modern Living</h2>



As more Malaysians embrace flexible, urban lifestyles, home connectivity needs are evolving too.



For those who want to avoid fibre installation delays, rigid contracts, or location-based limitations, Yes 5g advanced Broadband offers a practical alternative. It’s designed for convenience, portability, and ease of use—making it a solution that fits seamlessly into the way people live today.

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Disclaimer: The information is provided for general information only. iProperty.com Malaysia Sdn Bhd makes no representations or warranties in relation to the information, including but not limited to any representation or warranty as to the fitness for any particular purpose of the information to the fullest extent permitted by law. While every effort has been made to ensure that the information provided in this article is accurate, reliable, and complete as of the time of writing, the information provided in this article should not be relied upon to make any financial, investment, real estate or legal decisions. Additionally, the information should not substitute advice from a trained professional who can take into account your personal facts and circumstances, and we accept no liability if you use the information to form decisions.

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Guides

How to Check Your Eligibility and Apply for Residensi Wilayah (RUMAWIP)

What the Strata Management Act 2013 Means for Your Building's By-Laws

Renting or Moving Often? This Plug‑and‑Play WiFi Moves with You

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