Who we are

MQ companies focus on assisting our clients since 1998 to excel in their wealth management. Our unique model has helped many entrepreneurs to embark on a strong footing in their line of business and life. It has successfully assisted many existing clients or affiliates to witness breakthrough improvement in terms of wealth management and life.  

What we do

You will find this one stop money quotient hub here in MQ with our areas of services to assist you.

Personal Financial Planning
Insurance planning
Retirement planning
Estate planning
Business Financial Planning
Business Funding
Guarantor Indemnity Plan
Keyman Compensation Plan
Business Succession Plan
Professional Value Plan
Group Employee Benefit Scheme
General Insurance
0
years
0
clients

Your reliable partner

MQ is committed to providing excellent service in wealth management of our clients and strive to be the central hub of financial services excellence with extreme passion to serve and share in personal or corporate level.

We love making positive impacts.

Thank you for taking great care of us on our insurance. You and your team at MQ Consultancy Sdn Bhd have been wonderful to work with. Just list out one of the friendly customer service that given, MQ’s staff is stationed in Ee-Lian café every Friday and ready to give professional insurance advice to our employees without extra charges. Jason has always been tried his best to provide the better coverage than the prior and save us in term of premium charges at the same time. I would recommend Jason to anyone without hesitation or reservation.

Dr Teoh Han Chuan
Group Managing Director
SWS Capital Berhad

Good,Affordable,Fast ; Products following market trend and demand; Feel personalized services provided by the MQ Team

10 years ago, MQ did my wife medical claim and handed the pay cheque to my house on my hand within 3 working days! Truly appreciated MQ founder Mr Jason Koeh efficiency in helping me to go thru my life most difficulties period. Mr Jason Koeh even think of the best on how to made claim for chemo therapy treatment on my wife using the medical card ( very lucky Mr Jason Koeh proposed the Medical Card to my wife as her first Insurance Policy). After all those sour and painful story we become very good friend and we treasure each other until today. Life is Great. I love u bro.

Ng Cheng Hoe
Director
Inno PDA Sdn Bhd

Friendly, reliable and efficient

MQ provides excellent service in many aspects since the beginning till now and the people in MQ has always been there for me like a family when needed. Hence, this is very important for me and as a customer as I felt MQ is reliable and efficient in providing their service.

Geoffrey Teoh
Manager
Financial Institution

Informative, latest update and financial newsletter

Dr Chong Yen Nee
Chief Executive Officer
Yayasan Penjaja dan Peniaga Kecil 1Malaysia

Quick response, competitive quote and comprehensive product info

Sheley Teoh
General Manager - Sales
Blu Inc Media Sdn Bhd

FAST,

EFFICIENT, 

HELPFUL!
Aster Lim
Group Managing Editor
Blu Inc Media Sdn Bhd

Professional advice on insurance, Effecient and effectiveness MQ team

I will recommend MQ due to the professionalism of the team. Look forward to see this organisation grow!

Eric Gan
Regional Sales Manager
MBNS (ASTRO)

Consult, Advise, Reference. Train all staff to implement same character.

Dr. Samsudin Wahab
Lecturer
UiTM

Service is professional and personalized. 

Efficient, competitive and attentive. Thank you for taking care of us and we look forward to many more years with you.

Aanear You Chee Chien
Executive Director
Yee Loong Engineering Sdn Bhd

Always updated service, knowledgeable consultation,

None of the financial company can provide such great service like they do!

Dr Shirley
Doctor
AOKlinik
ppl

Need professional advice on financial management?

Let our team assist you!

bino

Looking for something new to venture in your career?

Join our team and make a difference now!

Meet Our Partners

Our Corporate Social Responsibility

The most important objective of our company is to obtain profitability in the long term. Guided by its mission and values we seek to achieve profits without prejudice to society and the environment.

Latest Updates

MQ : Money Quotient : Putting money in the context of life.
MQ is in the Busi-ness to enrich your Wealth always.

6 Common Mistakes When Choosing a Loan

Are you thinking about taking out a loan? The best way to avoid an unhappy ending is to educate yourself on the mistakes other people have made and make sure not to repeat them.

With the right research and equipped with a reliable tool to calculate your personal loan settlement, you'd be on your way to getting the best fit.

Easier said than done, you say. Well we’re here to help; keep reading to find out about the six most common mistakes people make when applying for a personal loan.

1) Lack of research and / or comparison

There is an idiom which tells one to “test the waters”. The same applies when choosing a personal loan. It’s not only vital to conduct proper research; you’d need to spend time exploring available products in the market for the product that best suits your needs. It wouldn’t do for you to just throw yourself wholeheartedly into the first low interest offer that comes your way.

Know your financing options well and find the most competitive rates available by visiting trusted credit sources or by using verified comparison tools online. Consult with financial experts to learn about possible alternatives that you can also explore, and have them help you to establish terms and a repayment plan that is both reasonable and achievable.

Do not hesitate to ask your credit representative about any concerns you may have, regardless of how silly you think your questions may sound. Remember, there is no such thing as a stupid question.

2) Disregarding your credit score

Your credit score is one of the most important factors that banks take into account when determining whether or not to approve your loan, as well as what interest rate they’re about to quote to you.

Through your credit score, banks can find out how punctual you have been when it comes to paying your bills and equated monthly installments (EMIs). If you always repay your debts on time, then you have no reason to worry, since your credit score will be good. A good score to maintain (according to the general guideline by CTOS) is 697 and above, based on an easy-to-understand three-digit system.

However, if you have a low score, you should try to fix it first by repaying any outstanding debts before you apply for a personal loan in order to avoid having to settle for unfavourable terms.

3) Failure to read the fine print

When applying for a loan, it’s easy to miss out seemingly minor details in your contract due to carelessness (or even sheer indifference). This will lead to you having to pay exorbitant fees in the long run. Why do you think lending institutions make you sign dozens of documents for a loan agreement?

It’s not for your reading pleasure, that’s for sure. Remember that each signature is proof of your acknowledgement and acceptance of the terms. This is usually included in the fine print stating that annual fees, bank charges, closing costs, commissions, length of loans and balloon payments are required.

Ensure that you’re well informed and have read the hidden clauses of the agreement. Be aware of the interest rates and the penalty costs on late payments before signing any documents. Ask for a sample of the loan agreement for you to take home so you can read it thoroughly overnight.

Patience is a virtue, and when it comes to taking out a personal loan, it pays to channel your inner Mandela. Or Ghandi. Or a tortoise. Tortoises are patient, right?

4) Incomplete disclosure

Don’t leave any ‘ifs’ or ‘buts’ when filling out your loan application form. Make sure to fill all your personal details with complete honesty and be as precise as possible. Incomplete disclosure or providing false information may hurt your credit rating and can even lead to legal action being taken against you.

As a result, not only will you be forced to repay your loan immediately but you may also be charged a hefty fine for committing fraud. Remember – a genuine and comprehensive loan application is a good loan application.

5) Going overboard

Before applying for a loan, always make sure to estimate the amount of money that is required to suit your needs. A personal loan charges a high interest rate since you are not required to disclose the reason for taking the loan or provide any collateral for it. Therefore, don’t fall into the trap of thinking of it as extra ‘free’ money and commit to a large debt.

Exercise extreme caution whenever you’re borrowing large amounts of money because the larger the loan, the more cost is attached to it in terms of interest and recurring expenses. Borrow just enough for your purposes, and no more than that. It’s a loan - not free money.

6) Patchy paperwork

Okay, so you’ve been really busy – we’ve all got those days. Hunting for the best loans takes time, and you have so many more important things to worry about than getting your documents in order. Paperwork? Nope, no time for such tedious trivialities.

Listen up though. ALWAYS make sure to take some time to organize your paperwork so that the lending institution is confident about your credibility. Don’t cut corners. No one’s going to trust – or like, for that matter – someone with a box of crumpled papers filled with illegible writing. Always state your nett salary instead of your gross salary to avoid confusion.

Additionally, make sure to file your Income Tax Returns (ITRs) regularly even if you are an average earner as banks always ask for your ITR as a criterion before granting a loan. One other thing you should be careful about is to mention your residential address in your paperwork correctly, as lenders may ask for proof of lease or utility bills to prove you have been living at your address for some while.

To conclude

So if you’re planning to sign up for a personal loan, make sure to avoid these 6 mistakes in order to save yourself from having to go through the painful ordeal of a messy loan cycle.

Source: AKPK

www.mqbusinesswealth.com
... Read moreHide

2 days ago

MQ : Money Quotient : Putting money in the context of life.
MQ is in the Busi-ness to enrich your Wealth always.

6 Common Mistakes When Choosing a Loan

Are you thinking about taking out a loan? The best way to avoid an unhappy ending is to educate yourself on the mistakes other people have made and make sure not to repeat them.

With the right research and equipped with a reliable tool to calculate your personal loan settlement, youd be on your way to getting the best fit.

Easier said than done, you say. Well we’re here to help; keep reading to find out about the six most common mistakes people make when applying for a personal loan.

1) Lack of research and / or comparison

There is an idiom which tells one to “test the waters”. The same applies when choosing a personal loan. It’s not only vital to conduct proper research; you’d need to spend time exploring available products in the market for the product that best suits your needs. It wouldn’t do for you to just throw yourself wholeheartedly into the first low interest offer that comes your way.

Know your financing options well and find the most competitive rates available by visiting trusted credit sources or by using verified comparison tools online. Consult with financial experts to learn about possible alternatives that you can also explore, and have them help you to establish terms and a repayment plan that is both reasonable and achievable.

Do not hesitate to ask your credit representative about any concerns you may have, regardless of how silly you think your questions may sound. Remember, there is no such thing as a stupid question.

2) Disregarding your credit score

Your credit score is one of the most important factors that banks take into account when determining whether or not to approve your loan, as well as what interest rate they’re about to quote to you.

Through your credit score, banks can find out how punctual you have been when it comes to paying your bills and equated monthly installments (EMIs). If you always repay your debts on time, then you have no reason to worry, since your credit score will be good. A good score to maintain (according to the general guideline by CTOS) is 697 and above, based on an easy-to-understand three-digit system.

However, if you have a low score, you should try to fix it first by repaying any outstanding debts before you apply for a personal loan in order to avoid having to settle for unfavourable terms.

3) Failure to read the fine print

When applying for a loan, it’s easy to miss out seemingly minor details in your contract due to carelessness (or even sheer indifference). This will lead to you having to pay exorbitant fees in the long run. Why do you think lending institutions make you sign dozens of documents for a loan agreement?

It’s not for your reading pleasure, that’s for sure. Remember that each signature is proof of your acknowledgement and acceptance of the terms. This is usually included in the fine print stating that annual fees, bank charges, closing costs, commissions, length of loans and balloon payments are required.

Ensure that you’re well informed and have read the hidden clauses of the agreement. Be aware of the interest rates and the penalty costs on late payments before signing any documents. Ask for a sample of the loan agreement for you to take home so you can read it thoroughly overnight.

Patience is a virtue, and when it comes to taking out a personal loan, it pays to channel your inner Mandela. Or Ghandi. Or a tortoise. Tortoises are patient, right?

4) Incomplete disclosure

Don’t leave any ‘ifs’ or ‘buts’ when filling out your loan application form. Make sure to fill all your personal details with complete honesty and be as precise as possible. Incomplete disclosure or providing false information may hurt your credit rating and can even lead to legal action being taken against you.
 
As a result, not only will you be forced to repay your loan immediately but you may also be charged a hefty fine for committing fraud. Remember – a genuine and comprehensive loan application is a good loan application.

5) Going overboard

Before applying for a loan, always make sure to estimate the amount of money that is required to suit your needs. A personal loan charges a high interest rate since you are not required to disclose the reason for taking the loan or provide any collateral for it. Therefore, don’t fall into the trap of thinking of it as extra ‘free’ money and commit to a large debt.

Exercise extreme caution whenever you’re borrowing large amounts of money because the larger the loan, the more cost is attached to it in terms of interest and recurring expenses.  Borrow just enough for your purposes, and no more than that. It’s a loan - not free money.

6) Patchy paperwork

Okay, so you’ve been really busy – we’ve all got those days. Hunting for the best loans takes time, and you have so many more important things to worry about than getting your documents in order. Paperwork? Nope, no time for such tedious trivialities.

Listen up though. ALWAYS make sure to take some time to organize your paperwork so that the lending institution is confident about your credibility. Don’t cut corners. No one’s going to trust – or like, for that matter – someone with a box of crumpled papers filled with illegible writing. Always state your nett salary instead of your gross salary to avoid confusion.

Additionally, make sure to file your Income Tax Returns (ITRs) regularly even if you are an average earner as banks always ask for your ITR as a criterion before granting a loan. One other thing you should be careful about is to mention your residential address in your paperwork correctly, as lenders may ask for proof of lease or utility bills to prove you have been living at your address for some while.

To conclude

So if you’re planning to sign up for a personal loan, make sure to avoid these 6 mistakes in order to save yourself from having to go through the painful ordeal of a messy loan cycle.

Source: AKPK

www.mqbusinesswealth.com

We would like to take this opportunity to wish you all a very Happy Selamat Hari Raya Aidilfitri
Maaf Zahir and Batin

May this season of forgiveness bring an abiding peace to fill your heart and home.

www.mqbusinesswealth.com
... Read moreHide

5 days ago

We would like to take this opportunity to wish you all a very Happy Selamat Hari Raya Aidilfitri
Maaf Zahir and Batin

May this season of forgiveness bring an abiding peace to fill your heart and home.

www.mqbusinesswealth.com

MQ : Money Quotient : Putting money in the context of life.
MQ is in the Busi-ness to enrich your Wealth always.

6 Perks the Rakyat Can Benefit from 0% GST
After nearly 3 years living with the system, 6% Goods and Services Tax (GST) is now out of the picture. It was made possible after the major victory that Pakatan Harapan has achieved in the recent General Election.

This move by the government is expected to lessen our (the rakyat) burden. On top of that, it’s supposed to give us better purchasing power and promote economic growth. To date, we have seen some changes in terms of everyday expenditure. In case you’re still lost, here are some of the perks that YOU can leverage from the zero-rated GST.

#1 A Golden Opportunity To Buy A Car

As part of the government’s move to zero-rate the GST, auto companies have revised their vehicles’ prices down. For example, Perodua has reduced the prices of its cars up to RM3,500.

Amongst the companies that have also revised their vehicles’ prices are Volkswagen Passenger Cars Malaysia Sdn Bhd, UMW Toyota Motor Sdn Bhd and BMW Group Malaysia.

Additionally, according to Federation of Motor and Credit Companies Association of Malaysia (FMCCAM) President, Tony Khor Chong Boon, used cars prices are also anticipated to be slightly reduced between 1% and 4% due to this trend.

So do take this chance to get yourself a car before the SST kick-starts in September. In a statement, AmBank Group Chief Economist, Anthony Dass, shared that car prices are expected to increase marginally after SST kicks in.. That being said, he also said there are possibilities for auto players to probably absorb the cost (depending on the potential demand).

#2 Start Hunting For Your Dream Home

With GST out of the way, property experts/consultants have shared that this act would encourage the property buyers to make a purchase. According to a local daily, FD Iskandar, Real Estate and Housing Developers’ Association (Rehda) President, shared that property prices are expected to drop following the zero-rated GST implementation.

Sharing the same sentiment is Knight Frank Malaysia Managing Director, Sarkunan Subramaniam. He said: “With the announcement of zero-rated GST, property buyers who intend to purchase commercial properties can now make their decisions as the transaction price will now [from June 1] be cheaper, as they do not need to pay the 6% GST. For residential properties, as building and raw materials will not be charged 6% GST, the selling price is expected to reduce.”

#3 You’ll Spend Less At The Supermarket

For most shoppers (if not all), 1 June 2018 was the beginning of happy days simply because they get to buy things at 6% less. We’re sure that you’ve witnessed a lot of the “0% GST” labels.

Recently, The Star had made a spot check to some of the stores if the price tag has changed. The local daily reported that a 1.2kg bag of cat food that was priced at RM14.90, became RM14.05, after 0% GST. Besides that, a packet of 3-in-1 coffee sachets, which was initially RM14.31, is now priced at RM13.50. These items were seen at AEON Supermarket.

You can also see goods’ prices comparison from Hargapedia. It has been monitoring the prices of groceries, household, health & beauty products across 6 different retailers - Giant, Tesco, Econsave, Aeon Big, Aeon and 99Speedmart.

Nevertheless, don’t be confused with the already tax-exempted goods i.e. fresh and frozen meat/fish, fresh vegetables, spice and herbs, baby formula and more.

#4 Smokers, Your Lungs Would Likely Be Less Intoxicated

OK, this may be bad news for some of us. In order to curb smoking habits amongst our fellow Malaysians, the government has decided to maintain the retail prices of tobacco products including cigarettes.. This is also part of the commitment to the World Health Organisation Framework Convention on Tobacco Control.

The Finance Ministry made a statement recently that removing of 6% GST should not be an excuse to sell cigarettes cheaper. This is because the product is harmful to your health and lowering the price would be a form of promotion which is conflicting with the Control of Tobacco Product Regulations 2004.

Perhaps we can look at this matter from a different lens. Maybe it’s time to slowly quit the bad habit and lead a healthier lifestyle. Who’s in?

#5 Electronics/ Gadgets Are Cheaper Now

Have you been planning to buy a new smartphone, laptop or any electronic stuff? This is the time. Before this, all the gadgets/electronics’ prices were inclusive of 6% GST. Now, with 0% GST, you can save up to a maximum of RM60 for a smartphone that is priced below RM1000.

Imagine how much you can save if the product is worth RM3,000. As an example, iPhone prices have been reduced up to RM334 due to the zero-rated GST. That’s a lot! However, do take note that the price might change once the SST is implemented.

#6 Complete Your Bank Transaction Without GST

If you’re the kind of person who frequently makes bank transactions to pay your bills, this must be good news for you. Why? Because you no longer have to pay 6% extra anymore.

FYI, all of the conventional commercial banks in Malaysia will be charging 0% GST for all banking products and services. This has been confirmed by the Association of Banks in Malaysia (ABM). If you need more info or have any banking issues, get in touch with ABM at 1-300-88-9980.

Conclusion

There you have it. Of course, there are more things that you can benefit from the 0% GST such as movie and concert tickets, electricity, telco services, insurance and more. As you can see, most of the everyday products and services have already been reduced.

If you still see the same old price, it could be that the stores are still in the midst of changing their price tags. According to the news, business premises are allowed to take some time to retag their goods with new prices following the requests for a grace period..



Having said that, please be wary and check your receipt again. Many netizens have been complaining on their social media that some business hike their prices after GST zerorisation.. In case you encounter shops that still charge you 6% GST or exploit the zero-rated GST i.e. price hike, you can file a complaint to KPDNKK through these channels:
· Call 1Malaysia One Call Centre (1MOCC) at +603-80008000
· Call Information and Strategic Operations Movement Centre (PIGOS) at +603-88826088/6245
· Use this app called Ez ADU
· Send an email to aduan@kpdnkk.gov.my

Source: loanstreet
www.mqbusinesswealth.com
... Read moreHide

1 week ago

MQ : Money Quotient : Putting money in the context of life.
MQ is in the Busi-ness to enrich your Wealth always.

6 Perks the Rakyat Can Benefit from 0% GST
After nearly 3 years living with the system, 6% Goods and Services Tax (GST) is now out of the picture. It was made possible after the major victory that Pakatan Harapan has achieved in the recent General Election.

This move by the government is expected to lessen our (the rakyat) burden. On top of that, it’s supposed to give us better purchasing power and promote economic growth. To date, we have seen some changes in terms of everyday expenditure. In case you’re still lost, here are some of the perks that YOU can leverage from the zero-rated GST.

#1 A Golden Opportunity To Buy A Car

As part of the government’s move to zero-rate the GST, auto companies have revised their vehicles’ prices down. For example, Perodua has reduced the prices of its cars up to RM3,500. 

Amongst the companies that have also revised their vehicles’ prices are Volkswagen Passenger Cars Malaysia Sdn Bhd, UMW Toyota Motor Sdn Bhd and BMW Group Malaysia.

Additionally, according to Federation of Motor and Credit Companies Association of Malaysia (FMCCAM) President, Tony Khor Chong Boon, used cars prices are also anticipated to be slightly reduced between 1% and 4% due to this trend.

So do take this chance to get yourself a car before the SST kick-starts in September. In a statement, AmBank Group Chief Economist, Anthony Dass, shared that car prices are expected to increase marginally after SST kicks in.. That being said, he also said there are possibilities for auto players to probably absorb the cost (depending on the potential demand).

#2 Start Hunting For Your Dream Home

With GST out of the way, property experts/consultants have shared that this act would encourage the property buyers to make a purchase. According to a local daily, FD Iskandar, Real Estate and Housing Developers’ Association (Rehda) President, shared that property prices are expected to drop following the zero-rated GST implementation. 

Sharing the same sentiment is Knight Frank Malaysia Managing Director, Sarkunan Subramaniam. He said: “With the announcement of zero-rated GST, property buyers who intend to purchase commercial properties can now make their decisions as the transaction price will now [from June 1] be cheaper, as they do not need to pay the 6% GST. For residential properties, as building and raw materials will not be charged 6% GST, the selling price is expected to reduce.”

#3 You’ll Spend Less At The Supermarket

For most shoppers (if not all), 1 June 2018 was the beginning of happy days simply because they get to buy things at 6% less. We’re sure that you’ve witnessed a lot of the “0% GST” labels.

Recently, The Star had made a spot check to some of the stores if the price tag has changed.  The local daily reported that a 1.2kg bag of cat food that was priced at RM14.90, became RM14.05, after 0% GST. Besides that, a packet of 3-in-1 coffee sachets, which was initially RM14.31, is now priced at RM13.50. These items were seen at AEON Supermarket.

You can also see goods’ prices comparison from Hargapedia. It has been monitoring the prices of groceries, household, health & beauty products across 6 different retailers - Giant, Tesco, Econsave, Aeon Big, Aeon and 99Speedmart.

Nevertheless, don’t be confused with the already tax-exempted goods i.e. fresh and frozen meat/fish, fresh vegetables, spice and herbs, baby formula and more. 

#4 Smokers, Your Lungs Would Likely Be Less Intoxicated

OK, this may be bad news for some of us. In order to curb smoking habits amongst our fellow Malaysians, the government has decided to maintain the retail prices of tobacco products including cigarettes.. This is also part of the commitment to the World Health Organisation Framework Convention on Tobacco Control.

The Finance Ministry made a statement recently that removing of 6% GST should not be an excuse to sell cigarettes cheaper. This is because the product is harmful to your health and lowering the price would be a form of promotion which is conflicting with the Control of Tobacco Product Regulations 2004.

Perhaps we can look at this matter from a different lens. Maybe it’s time to slowly quit the bad habit and lead a healthier lifestyle. Who’s in?

#5 Electronics/ Gadgets Are Cheaper Now

Have you been planning to buy a new smartphone, laptop or any electronic stuff? This is the time. Before this, all the gadgets/electronics’ prices were inclusive of 6% GST. Now, with 0% GST,  you can save up to a maximum of RM60 for a smartphone that is priced below RM1000.

Imagine how much you can save if the product is worth RM3,000. As an example, iPhone prices have been reduced up to RM334 due to the zero-rated GST. That’s a lot! However, do take note that the price might change once the SST is implemented.

#6 Complete Your Bank Transaction Without GST

If you’re the kind of person who frequently makes bank transactions to pay your bills, this must be good news for you. Why? Because you no longer have to pay 6% extra anymore.

FYI, all of the conventional commercial banks in Malaysia will be charging 0% GST for all banking products and services. This has been confirmed by the Association of Banks in Malaysia (ABM). If you need more info or have any banking issues, get in touch with ABM at 1-300-88-9980.

Conclusion

There you have it. Of course, there are more things that you can benefit from the 0% GST such as movie and concert tickets, electricity, telco services, insurance and more.  As you can see, most of the everyday products and services have already been reduced.

If you still see the same old price, it could be that the stores are still in the midst of changing their price tags. According to the news, business premises are allowed to take some time to retag their goods with new prices following the requests for a grace period..

 

Having said that, please be wary and check your receipt again. Many netizens have been complaining on their social media that some business hike their prices after GST zerorisation.. In case you encounter shops that still charge you 6% GST or exploit the zero-rated GST i.e. price hike, you can file a complaint to KPDNKK through these channels:
· Call 1Malaysia One Call Centre (1MOCC) at +603-80008000
· Call Information and Strategic Operations Movement Centre (PIGOS)  at +603-88826088/6245
· Use this app called Ez ADU
· Send an email to aduan@kpdnkk.gov.my

Source: loanstreet
www.mqbusinesswealth.com

TAR-UC Personal Financial Planning by MFPC (Malaysian Financial Planning Council) Penang Chapter😎👨‍🏫

#FinancialPlanning 💱💹💲
#BrightFuture💡 @ TAR University College Penang Branch Campus
... Read moreHide

2 weeks ago

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