WS1000: Overcoming Our First Real Estate Heartbreak

EPISODE 1000

[INTRODUCTION]

0:00:00.0 ANNOUNCER Welcome to the Real Estate Syndication Show. Whether you are a seasoned investor or building a new real estate business, this is the show for you. Whitney Sewell talks to top experts in the business. Our goal is to help you master real estate syndication. 

And now your host, Whitney Sewell.

00:00:24.000

Whitney Sewell: We have a very special show for you today. It is actually a four-part series. Many requests from listeners are asking more about these things, specifically about my wife and I, and our journey to…well, some people say success in this business. We’ve had lots of struggles, lots of times when we had to push really hard than we’ve ever expected. And we go about great detail about those things. Often, people will get into real estate and their first project does not go so well. Very few will decide to go onto the next venture or deal. Thankfully we did and we go to many details about that. We’re gonna talk about our family, and some deeper things about our family that helped us to be successful. Our mission, our why behind Life Bridge Capital, that helped us to become successful. Also, how your spouse plays such an important role in your success in this business, really in any business. But we just go into details with my amazing business partner, my bride, my best friend. And you know, just talking about our path to where we are now. So many have asked, I put up a post on Facebook, many of you responded, many of you messaged me personally, thank you for that. I appreciate just your support. We’re so grateful to finally make it to 1,000 shows, I cannot believe it. I’m so grateful for the listeners, for you being with us today. I hope that these shows inspire you. You’re gonna hear a couple this week, you’re gonna hear a couple next week just to break it up but I just hope that they inspire you. And please reach out. You can always email us, [email protected]. Connect on our website, we would like to help you in any way that we can. I hope that you went to the website, the podcast page, and signed up to get a shirt. We’re giving away 100 shirts, the first 100 people that signed up. I hope you will go and sign up and so you can get one of those. We would love to connect with you in that way and help in anyway we can. Please enjoy the show.

00:02:34.0

Whitney Sewell: This is your daily real estate syndication show, I’m your host Whitney Sewell. Today, we have an amazing guest. Very special. Very special guest. I can’t believe I’ve not had this guest on the show before the 1,000 show. I’m thankful that this guest has known me through every show and step behind me for every show, in every step of the process of getting to where we’re at today. Here name, Chelsea Sewell. 

Welcome with the show, Chelsea.

00:03:09.0

Chelsea Sewell: Thanks for having me, Whitney. 

00:03:10.0

WS: Chelsea is my amazing bride, and there’s no intro that could do her justice, and we’re gonna get into that today, actually. Oh, actually, I was surprised. I put a post on social media a few weeks back and ask about what should we do for the 1,000th show, and many people mentioned I was about our journey, and I thought, well, there’s no better person that could help me talk about our journey than my bride. So, I’m excited about the show and we were just praying about it before we even got started, it just that it encourages you, the listener, and that it is beneficial, and I think it will be just hearing our story and really some real struggles that it took to get to where we’re at today. And I’m looking forward even personally, hearing more of Chelsea side of the story. Well, let’s jump in. It goes way back, how far do you wanna go by Chels?

0:04:00.9 

CS: I guess we should start at the beginning.

0:04:02.5 

WS: So, like 2000 or what, we’ll give a slight timeline. We may not remember every date to put with it, but our investment journey began in 2009. But let’s go right before that though, ’cause there are some struggles there that I think could be very beneficial to the listeners also. 

Well, let’s even go back a little further. So, I had received no financial instruction really growing up, like a real training, no thinking about investing or our retirement or how to do those things. I was not raised around people who thought about really, investing didn’t have those options. I guess I could say. And what would you say about yourself? 

0:04:42.5 

CS: So, yeah, I would say I grew up in a family where you worked hard to go to school and do well, and I’m just looking to college that, that was just a guarantee, not an option, that you were gonna do that and get a job. Just work hard your whole life. And, kind of a job and put in your time and good health insurance, and just those kind of things were the priority.

0:05:09.5 

WS: I think I had amazing support, especially from most of my family, but I would have to highlight my mother and just amazing support behind anything I decided to do, no matter how crazy sounded and still sit. Yes, she’s extremely supportive and very grateful for that support and during many crazy ideas. But after Chelsea and I got married, you were given the book the Financial Piece Revisited, and that maybe even… was it before we were married or…

0:05:36.2 

CS: Just about… We were engaged, I think.

0:05:37.8 

WS: We were engaged and we read that book and it made a lot of sense, I think to both of us, I’m like, Okay, well, doesn’t seem to make as much sense and we should plan in a little bit. And so we did we started planning, and thankfully, we started paying off student debt as fast as possible, and we were so big on not having a car loans or any kind of debt. I’m so thankful that the Lord brought that into our life, so we could think about that from the beginning, and not acquire lots of bad debt. But also during that time, I was a police officer, I was working, most of the listeners have probably heard most of that part of that story anyway, but I was working for a Kentucky State Police, and I loved working the road as a police officer, Chelsea shaking her head and smiling.

0:06:26.2 

CS: He did love it.

0:06:27.0 

WS: It just wasn’t what was best, right. We were living in a little apartment close to Frankfort, Kentucky, and then we decided to move back closer to family, and we did. We got to South Central, Kentucky and we bought a house and… go ahead. She’s wanting to say something as I wanna encourage her to talk and not me.

0:06:34.8 

CS: Well, you know it was gonna be our first place together, our first home. You know, I walked in and it was definitely not what I had had in mind, and you know it was just outdated and the curtains were old. And I didn’t really grow up in the country, so I didn’t value maybe the land and the big shop out back like you did. But you said, “Oh, you know, we can remodel it,” and it was early in our marriage, and Whitney is just capable at pretty much anything he puts his hand to. And so, he was able to do most of the remodel himself, but that didn’t mean that it was just a slower time because you would work all week and then it was pretty much we at Saturday to kind of work all day and do as much as we can.

So, it was not my idea, but it ended up really good, but walking in and seeing it and then thinking, “Okay, okay, we’re gonna… We’re gonna remodel it’ll be, it’ll be fine,” but we didn’t know a lot about that or what we were really getting ourselves into at that time.

0:07:42.7 

WS: We sure did not. I was working the work schedule on nights and weekends a lot, or all the over time that I could… a police salary was quite small. And so looking for all the overtime trying to remodel at night or work on the remodels, those things.

Eventually though, Chelsea, I realized we were just passing each other in the hallway and it just was not what was best, and also I just started realizing that guys retiring making $30-35,000, $40,000 at times, even after working 25, 30 years. And it was obvious that this was not what was best for our family long-term. We want Chelsea to be able to say at home, when we had children and thinking that, okay, there’s really no matter how much overtime I work, even having to work that many hours as to… It’s gonna be hard to break $40-45,000 ever. And just a couple of years into that career, at this point, it’s like, Okay, that is pretty discouraging, and I hate it for those guys and gals who are serving in that way, so thankful for them. But I knew I had to make a change, and I didn’t know what that would be.

I didn’t have any college, I didn’t go to college, and so I felt pretty limited. And Chelsea and I started praying, “Lord, what can I even do?” I felt so limited at that time, what can I do that would provide more for our family long-term, even right now. And the Lord provided many things. 

At this time though, I learned about real estate, I don’t remember what first brought that into my mind or thoughts. But I know we’ve read Rich Dad, Poor Dad amongst other things, which most of you have heard about, but we went to a few different courses and things, and learned and Chelsea even went with me. She was behind me, even talking about that house here, talking about me, it was not what she intended. But she still supported me for some reason. I’m not sure why, but she did, and even this morning, even up to this day, we started at 5:30 this morning, just so before the kids were at, and she is still beside me making this happen.

So.. very grateful. So, we learned about how so many people build wealth and real estate thought, okay, well, we should be able to do that to at least supplement my income as a police officer, and we were actually still in Frankfort when we started, when we purchased the first rentals and we purchased them in the town that we knew we were going to be moving to. And two triplexes, many of you have heard that story about those triples, but I would love to hear maybe Chelsea’s take on these apartments, we call them the apartments, and we even say that today, and we kinda cringed a little bit… It was quite intense. 

But Chelsea, what do you remember about that? Do you remember when we first decided to buy those or get into rentals or when I first brought that up. Anything about that? 

0:10:26.7 

CS: Yeah. So I think I can say this about several things in our journey that I think we were just naive enough to do it, and maybe ignorant enough to kinda jump in. And then the mercy of God just follows us and is kind during those lenders sometimes. 

So yeah, I remember it just being a learning process that we were trying to figure out. Okay, how particular are we gonna be about tenants and just our expectations and kind of trying to figure out those things. I remember, and I think… I’m not sure you still have it on your phone, but we would get calls, of course, there’s any landlord in the of the night, and “my daughters run things like that, and he still has a voice mail.” Yeah, that’s a recording and when we play it, we just remember that God’s been with us and just helps us to thank him for all his kindness and his merits during that time. And I do remember it just being very stressful because even though we didn’t have any children at the time, we’re both working jobs, we’re both working different schedules, and it’s just, where is the time gonna come from to be able to manage these units, and it was just six, but it’s still… just when someone moves out, all the work that you have to do to get it ready for the next one and find a good new tenant and that kind of thing, and all the things we were reading, we’re really talking about how to expect more and get good tenants and things like that.

0:11:52.3 

WS: It was a class A property. I don’t remember if I’ve shared that much. But it wasn’t probably the best part of town, and so Chelsea mentioned a tennat would move out and it’s quite the disaster. So, it was just so discouraging every time you know the way the shape that the unit would be left in and the work required to get it back in shape to get it re-rented and… we learned a lot the hard way. How do you call it? Our University, it was quite the process? 

But one thing it just… As a listener, I like for you to think about, it’s just a mental time that it took… The mental drain. Also in our young marriage, we hadn’t been married probably not even a year before we bought these and then bought the house that we were gonna remodel, and like the weekend we moved into the house, we were ripping out the kitchen, I think it was… to say the least, we jumped in and right away. My poor bride right beside me making all this happen. But those units, I just think the mental time away from our marriage and just being together, it was probably our biggest loss.

Just can’t get that time back. Right, we learn a lot, all those things and we’re much stronger today because of it. But that was probably the biggest loss, difficult times… No doubt about it. Just got into real estate and did you have anything else about those or just that time period you wanted to… Sure.

0:13:14.6 

CS: Yeah, I think it’s probably important to know that we weren’t Christians then, and so I think that, that made that time more difficult, we just didn’t know what we were doing in pretty much any kind venture that we were taking on. And we didn’t… we weren’t Christians, we were… I just remember some 2 x 4s being launched through the backyard, or I would just come home and there would just be tools all over the living room, and I would just cry and I would think, “Okay, we can do it. It won’t be forever,” and I would wash dishes in the past up because there was no sinks countertops or things like that yet. Yeah, for a long time. But I think on this side of it, it’s clear to see that all of those things were important parts of the story and God can be trusted during all those difficulties. And then shortly after that time we were saved and so that was a real turning point for our marriage, our business, just our life in general.

0:14:23.8 

WS: So we move forward from there. We were praying for the Lord to provide some other way… For more income, another career for me, I was not sure what that was going to be, I had no idea. Again, I felt almost kinda helpless about it ’cause that I wasn’t sure what else I was qualified to do with no college… Right, no college ensure what that was going to be. But I met a guy at a scale facility one day, I can see the truck…

0:14:38.3 

CS: Wait. So, we were praying, and you say out loud, “what else am I going to do?” And we just prayed. And we were just thinking like, “What else are you going to do?” And so, he was there at the scale house the day that this guy came in, and he waited until everybody else had left the scale house that day and stayed late with this guy. And after everyone had left, he came up to him and said, “Okay, tell me what you do… Talk to me about this.” And it was a divine appointment. You guys just were at the same place at the right time.

0:15:16.2 

WS: No doubt about divine appointment, the Lord definitely worked these things out, I never saw this guy before my life, he was in a different uniform, but he was at the scale facility doing inspections on trucks and I thought, what does he do? Who is he? And Chelsea say, I waited to all the other officers left so I could talk to him and learn more about him or that individual, Joe Martinez, in cases are listening, thank you. But he helped me through the entire process of getting hired as a federal agent, and that was just an extreme blessing is not easy to get hired with the federal government, especially as an agent, and he helped me.

Here’s another testimony, she was willing to move to Montana. And we applied in many different states, and we’re willing to move anywhere, almost anywhere in the country to make it happen. It was going more than double my income, and even room for more growth of an income, just a better retirement, better benefits, better hours, like normal working hours, which we were really looking forward to at this point. So just… It was such a blessing. It was a long process. I did get hired. There are so many things about that story that just how the Lord blessed it, and we can even see it now in such big ways of how the Lord used that to bring us to Roanoke, Virginia, we’re so thankful that we are where we’re at and for many reasons but the Lord… Just that divine appointment. It was so important, we did still have the apartments at this time, the 6 units. We were still in the middle of the house remodel, I met this guy, I started applying for to become a federal agent, and we thought that was just… It was so amazing. Just the timing, we did… Do you have any part of that that you wanna elaborate on?

0:16:51.6 

CS: Yeah, so I think it just really was the goals for our family that we’re driving all of that as well. My mother was at home with us when I was young, she picked me up from school, she made my breakfast in the morning, she packed my lunch, she came to all of my sporting events or took me to piano lessons or all the things, and so there was just a real value of that for our family, and the value in my heart of that as well, for me to be at home. 

And so, I think that was driving a lot of that motivation to have more income just so that I could be working at home when we had children. And so, I think that was in the forefront of our minds for that.

0:17:38.0 

WS: For sure. That was definitely the motivation. Very important to both of us at the time. I had never really thought about that before, I don’t believe. But it was definitely a dream of Chelsea’s and I could quickly see the value of that, and we wanted to make it happen. So, the federal agent position allowed that and changed many things. Brought us to Virginia we quickly found a church in Virginia, which is, I say quickly, we went some more different every weekend for almost six months, which was pretty discouraging at the time, but we did, we found our church and it’s been amazing and we’re so grateful the Lord brought us here and just to be a part of that church body, the support and over the last 10 years here in Roanoke, we can live anywhere in the world now but we’ll find it hard to leave.

I find it hard to leave that church family. I was a federal agent for what, nine years, roughly. And during that time… but we didn’t really buy and sell much real estate, we still owned those triplexes in Kentucky for the first year.

0:18:41.9 

CS: Traveling back and forth on the weekends when someone would move out or bringing the washing machine from Roanoke the way back to the apartments like in a seven-hour drive and putting one in and coming back and…

0:18:54.7 

WS: Just because of the time restraints, I would buy appliances in Virginia and then all the way to Kentucky and put them in on the weekend and come back. It was crazy, it was crazy. But it’s what we could do at the time, and I think still… It was just kind of the mentality, just, let’s get it done. That’s what we have to do at the moment. Let’s just go do it. And so that’s what we did. 

We finally were able to sell those units and move on from that, how we got back in real estate after that, I have no idea why Chelsea agreed to get back into real estate, I have no idea. And I had a passion of also training horses since I was a little boy, I always wanted to ride and train, and just that dream of being a cowboy, I think. But, finally we were out on a big farm and I was riding, started training a lot, and I was still a federal agent full-time, but I started promoting some more of our riding business and branding myself and doing clinics and traveling some, and teaching lots of people horsemanship skills selling horses for more money than I ever imagined.

I really loved the training, and I would do it in the rain, I would do it in the cold, I would do it at midnight in January, it was just… What was it you said one time you’re either insane or you’re really passionate about it. Well, something I can’t remember now.

0:20:11.2 

CS: Yeah, that’s just the way you do everything though. He just jumps in and gives his whole heart to everything that he does. So, if he has the idea in his mind that something is good and worth pursuing, then he just gives it in his all. And so, there’s from the police officer at the beginning where he didn’t just do the minimum, he worked over time and he loved it, and he would come in at 3 o’clock in the morning because he had taken two people to jail that he was trying to get home on his way and that he just saw those people and wanted to do good. To the federal agent, just really giving you all in that. To horse training, just doing it. I mean, I remember the layers you would put on in the winter to go out and do that. Just giving you everything to everything you did and that you’ve been successful in all of those things that God bless all of that. 

But that’s just the way you do things, and I think all of those things, whether they were related directly to real estate or not, did prepare you in your character and your heart to be able to sustain something like pursuing real estate in this way when you got there.

0:21:19.8 

WS: You know, one thing I just thought of too is we didn’t talk about the military and all that stuff, and I was thinking about the things that shaped my mindset, that’s really when Chelsea and I really became an item. It was when I was overseas actually in 2005. And made me think of that or from what you just said. But anyway, the horse training is starting to grow, I was selling horses for more money than I ever imagined, and really writing doing things that I dreamed about since I was little, and finally though it was a few years of this just working more than two full-time jobs, I would come home, again, Chelsea’s doing everything in the home.

0:22:02.2 

CS: And we have two children at that time, when he started riding, was when we brought our first child home through adoption, and then by the time we got to the point that you were talking about a few years later, we had a second son through adoption as well. So they were both very, very little.

0:22:20.3 

WS: Yeah. Still federal agent, I would come home and I would change class… Running out a lot of the horses. Yeah, go to the arena. Ride give lessons. Ride numerous horses and give lessons, come home, 11, 12 o’clock at night. Shower, bed up early. Federal Agent come home. Same thing over, and over, and over, and over. 

Finally, you and I were at the beach one fall, I remember I was actually reading the book for our work week and that probably influenced this quite a bit, but Chelsea and I were… I just remember us reflecting really on what our life looked like and what we wanted to look like, what we envisioned, I think three years from then… “What is it? Is it really gonna look like this? Can we keep this up?” Are this even worth it. I was just missing all the time with her and the boys, and something had to change.

0:23:10.8 

CS: And that’s why thinking time is important, right? It is important to have the time to sit and reflect, to put the phone down and get off of the main stream and the busyness of life, and to just have time to think and reflect. And that’s why we get up at 5 o’clock in the morning, so that we have that time daily to be able to think, and reflect and plan and just meditate on God’s goodness and all of those things, but that was our thinking time. That was kind of the first time you and I had really sat down in a long time and just taking a breath and thought about where we were and reflected on that, so…

0:23:44.9 

WS: Very important because that was within a few weeks. So, big changes had to happen, we knew that the work training was never going to be passive. We knew that I could probably make a lot of money doing it, but were we comfortable me quitting the federal agent position, it seemed secure, that job, it was a better job than I had ever imagined right, no college, like I talked about. It was such a blessing, making more money at that time than I ever had that I ever imagined making with no college degree. I was just really, suck on that, right? Or What can I do? And since I don’t have this piece of paper from university, how can I make any more money than being a police officer?

So, now trying to make more money in training courses and being a federal agent, but we knew it was never going to be passive. We knew that to build a wealth, it just was gonna be nearly impossible. I was always gonna have to be the one training the horses and riding and working many, many, many hours. So, there was some big decisions that really, we made almost instantly when I look back, it seems like that’s the way we do things, we’re like, no, this is like the Lord just gives us both peace about it. And we just move forward in a big way, and we did at this point.

At this point too, we had had the farm that we had always dreamed of, we’d had the house and acreage and we loved our place, we loved our place. But we knew to make this happen, and we knew to be able to pursue commercial real estate, so I new real estate could build wealth. I knew so many people had built wealth and real estate, and so we knew that was the path that we should probably commit all our attention to, and we decided to sell the farm.Do you wanna add?

0:25:26.7 

CS: Yeah, so it was just the point that we knew there needed to be a change and it required a big commitment on our part. Things like this don’t happen by stepping into it, we really have to jump all in and hope that it doesn’t get ahead of us. But I remember selling the farm, committing to that, and then there were other changes happening as well. And so we adopted two children at the time, and we were considering a third adoption, and so that was something we had talked about and that was really growing in my heart, and again, we’re both really busy at this time and we’re not doing a lot of probably communicating that we should have. 

And so he finds out about a mentorship program and weren’t still… we were still at the farm, but he finds out about this mentorship program and he’s, of course, in his mind, he’s like, “Alright, how do I make this happen?” And he’s just like, whatever I need to do to make it happen, that’s what I’m gonna do. And so, he’s learning about this and he finds out about this mentorship program, and I’m thinking about adoption, and so those things are two big financial investments that in my mind weren’t maybe going to happen at the same time.

And so, when he told me about that, I think I just kind of lost it and cried a little bit and was just thinking, “how are we ever gonna do all of that at the same time?” And so I just remember just from then on and selling the house, just thinking, we jumped into it, we knew we were going to, but just, you know, I think as we sold the farm and drove away that day, looking in the review mirror, we were driving separately, and there was this song playing in the car, and it’s called Red Sea Road by Ellie Holcomb. “And when you can’t see the way, he will carve away,” and so I was just thinking about… I feel like we’re just stepping out here and we just… “What do we just do?” Just kind of that heart behind it, so that was kind of the feeling I think we left with at that time. 

But God gave us faith for it, we knew it was what we were supposed to do, we just knew that this is gonna be harder maybe than we originally thought when we jumped in, so…

0:27:49.7 

WS: We had no idea how difficult it was going to be. We sold the farm and as crazy as that is, this was the Fall is probably the end of August and beginning of September, we decided to sell by Christmas. We closed on the house. This is how crazy I like to do things. And Chelsea, some reason continues to support me, we sold the house between Christmas and New Years and the farm, and we couldn’t find… I was trying to buy a little house and town somewhere, we were trying to minimize our expenses as much as possible so we could afford to adopt and afford a mentorship program. And, we had never spent this kind of money before, we’d never made any money, really to speak of I’m other than just the normal job. And even thinking of my mentorship program at that time, which I had done a lot of research on to numerous shows on that, and so we won’t go into all that now, but I think it was $12,500, and it was…  and that seemed like such a big experience to us, thinking that we’re pursuing our third adoption.

0:28:54.4 

CS: Which costs… we were just thinking probably $50 or $60,000. We were thinking about for that, which we didn’t add that saved up somewhere, but we’d seen God provide for the other two, and so we knew that if He calls you to something else to, He provides for that. So, we had faith for that, but at the same time, praying about it.

0:29:13.2 

WS: Yes. So, that was a massive commitment for us, it seemed… and so when I told Chelsea that is just so you can imagine, she’s thinking we’re gonna pursue another adoption or here’s another at least 50 grand, we don’t even know where that’s gonna come from, but what little we do have saved up “Really Whitney, you’re planning to go spend $12,000 on some real estate mentorship.” But now you can understand why we share the story about the triplexes and the heartaches there, the learning lessons, how the difficulties and Chelsea’s behind me even pursuing this new venture and commercial real estate. 

So, if you can just think about that a moment, everything that had happened, now, I’ve decided to or push her to sell the farm and we’re at 100% together. But still… that’s a lot to ask, I think of any bride, any spouse. And she was behind it, 100%, obviously selling the place, we found a place to rent last minute, it was horrible. It’s just… we found a place around, the Lord provided a great place for us for six months. We signed a six-month lease. So, if you imagine, remember all these moves, so we moved to this phase, we’ve moved more than most folks in the last few years, but we moved to this house. I couldn’t find a place, survive that fast. We rented a house for six months, during this time is when I was diving in with my mentor, learning this real estate syndication business, commercial real estate. And we were just getting adjusted to the new normal. I think I was still a federal agent and trying to do all the real estates to ever get it started learning six months go by, and we did find a house, and the Lord provided a great… a little house in a different part of town, and we bought it moved again.

0:30:55.1 

CS: We rented a big farm, then we wanted to buy a place, have our own, so we moved to that farm and then we rented six months and then now we’re here at the little house in town trying to minimize our expenses…

0:31:05.3 

WS: Right, and at this house is where the podcast was birthed and the business was really born, but that’s really where the struggles the hard times began.

0:31:15.6 

CS: For sure.

0:31:16.3 

WS:  Our first project was really difficult as what you’ve heard. A lot of stress, but we’re stronger because of it. Thankfully, we learned a lot and did not quit there. I hope you will continue listening to tomorrow where you will going to hear about the family component of our business. And some difficulties and successes also.

0:31:38.0 

WS: 1,000 shows. Can you believe it? I can’t. I cannot believe we have recorded more than a thousand interviews with experts in this business. We could not have reached this milestone without you, our listeners. I am personally grateful for each of you that are listening, and I hope that you are learning more every day from the interviews and the experts that we’re having on the show. Just to say thank you, I want to offer a gift to the first 100 listeners that sign up. You need to go to the website, to the podcast page, Life Bridge Capital, to be short form to fill out just so we can send you a gift to say Thank you. But it’s only for the first 100. I look forward to connecting with you. Please reach out if we can help in any way.

[OUTRO]

0:32:36.0 ANNOUNCER: Thank you for listening to the Real Estate Syndication Show, brought to you by Life Bridge Capital. Life Bridge Capital works with investors nationwide to invest in real estate while also donating 50% of its profits to assist parents who are committing to adoption. Life Bridge Capital, making a difference one investor and one child at a time. Connect online at www.LifeBridgeCapital.com for free material and videos to further your success.

 

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