{"id":515,"date":"2024-08-24T15:42:32","date_gmt":"2024-08-24T15:42:32","guid":{"rendered":"https:\/\/universalinvestmentvisa.com\/?page_id=515"},"modified":"2024-08-24T15:49:52","modified_gmt":"2024-08-24T15:49:52","slug":"programa-de-residencia-de-alto-valor-de-jersey","status":"publish","type":"page","link":"https:\/\/investmentvisacn.com\/es_ar\/jersey-high-value-residency-programme\/","title":{"rendered":"Jersey \u2013 Programa de residencia de alto valor"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"515\" class=\"elementor elementor-515\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1b9a275 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1b9a275\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-53fd140\" data-id=\"53fd140\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5e43d5e elementor-widget elementor-widget-heading\" data-id=\"5e43d5e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Residencia en Jersey<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f3e9758 elementor-widget elementor-widget-text-editor\" data-id=\"f3e9758\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #000000;\">Los residentes de Jersey pagan un impuesto del 20% sobre los primeros 725 000 \u00a3 de ingresos mundiales, y un impuesto del 1% sobre cualquier ingreso superior a esa cantidad. La isla no tiene impuestos sobre sucesiones, patrimonio, sociedades ni ganancias de capital, lo que la convierte en un popular para\u00edso fiscal para los ricos.<\/span><\/p><p><span style=\"color: #000000;\">Las personas con un elevado patrimonio neto pueden solicitar el programa de residencia de alto valor de Jersey, siempre que tengan unos ingresos anuales sostenibles de al menos 725 000 \u00a3 y, por lo tanto, puedan aportar al menos 145 000 \u00a3 en concepto de impuestos anuales. Los solicitantes tambi\u00e9n deben ser propietarios de un inmueble en la isla, cuyo valor suele superar los 1,75 millones de libras esterlinas.<\/span><\/p><p><span style=\"color: #000000;\">Aunque Jersey no forma parte del Reino Unido, es un territorio dependiente de la Corona brit\u00e1nica y forma parte del acuerdo de la Zona de Viaje Com\u00fan. Como residente de Jersey, obtendr\u00e1 el derecho a viajar sin restricciones dentro de la Zona de Viaje Com\u00fan (CTA), que incluye el Reino Unido, Irlanda y la Isla de Man. Tras haber residido en Jersey durante cinco a\u00f1os, los solicitantes pueden solicitar la residencia permanente y la ciudadan\u00eda brit\u00e1nica, as\u00ed como un pasaporte del Reino Unido, tras un total de seis a\u00f1os. Solo por estas razones, el programa de Jersey es una excelente alternativa al programa Tier 1 del Reino Unido.<\/span><\/p><h2 class=\"post-name\"><span style=\"color: #000000;\">Procedimiento de solicitud: Residencia en Jersey<\/span><\/h2><p><span style=\"color: #000000;\">Cualquier inversionista que desee obtener la residencia en Jersey como residente de alto valor debe presentar una solicitud al Director de Residencia de Alto Valor. La solicitud se evaluar\u00e1 en funci\u00f3n de factores econ\u00f3micos y no econ\u00f3micos, entre los que se incluyen los ingresos anuales, los beneficios culturales para la comunidad local derivados de la aprobaci\u00f3n de la solicitud y la posible cobertura medi\u00e1tica de la actividad empresarial o la vida social del inversionista.<\/span><\/p><p><span style=\"color: #000000;\">Un inversionista con estatus de \u2018titular\u2019 en Jersey puede disfrutar de un permiso de residencia indefinido con el paso del tiempo o mediante una solicitud despu\u00e9s de residir en Jersey durante el periodo prescrito. Un inmigrante con permiso de residencia indefinido puede entonces solicitar la ciudadan\u00eda brit\u00e1nica.<\/span><\/p><h2 class=\"post-name\"><span style=\"color: #000000;\">Ventajas de residir en Jersey:<\/span><\/h2><ul><li><span style=\"color: #000000;\">Disfrute del estatus de \u2018titular\u2019, que le permite comprar, vender o arrendar cualquier propiedad, y trabajar sin necesidad de tener una licencia para ser empleado.<\/span><\/li><li><span style=\"color: #000000;\">Disfrute de viajes sin restricciones al Reino Unido cuando resida en Jersey.<\/span><\/li><li><span style=\"color: #000000;\">Viajes c\u00f3modos y sin complicaciones a Estados Unidos, la Uni\u00f3n Europea y otros pa\u00edses.<\/span><\/li><li><span style=\"color: #000000;\">Acceso a un sistema educativo y de aprendizaje de calidad para sus hijos.<\/span><\/li><li><span style=\"color: #000000;\">Disfrute de la calidad de los servicios sanitarios y sociales de la isla.<\/span><\/li><li><span style=\"color: #000000;\">Disfrute de la belleza y el esplendor de la isla con f\u00e1cil acceso tanto al Reino Unido como al continente europeo.<\/span><\/li><li><span style=\"color: #000000;\">Disfrute de la opci\u00f3n de solicitar la ciudadan\u00eda brit\u00e1nica mediante naturalizaci\u00f3n.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7bd7a4 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"f7bd7a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/investmentvisacn.com\/es_ar\/contactenos\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">CONTACTO-ASESOR<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1845aae elementor-widget elementor-widget-text-editor\" data-id=\"1845aae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"text-center\" style=\"text-align: center;\"><span style=\"color: #000000;\">PROGRAMAS<\/span><\/h2><p style=\"text-align: center;\"><span style=\"color: #000000;\">Programas relacionados con la inversi\u00f3n para obtener la ciudadan\u00eda.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-bb2d84d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bb2d84d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-0945275\" data-id=\"0945275\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9723638 elementor-widget elementor-widget-text-editor\" data-id=\"9723638\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><div class=\"product-thumb\"><img fetchpriority=\"high\" decoding=\"async\" class=\"product-thumnail\" src=\"https:\/\/investmentvisacn.com\/assets\/images\/Vanuatu\/vanuatu-270.jpg\" alt=\"dd\" width=\"270\" height=\"270\" \/><\/div><div class=\"info\"><p><b class=\"categories\">Vanuatu<\/b><\/p><h4 class=\"product-title\"><a class=\"pr-name\" href=\"https:\/\/investmentvisacn.com\/es_ar\/ciudadania-de-vanuatu\/\">Donaci\u00f3n m\u00ednima de $130,000<br \/>Opci\u00f3n inmobiliaria<br \/>Ciudadan\u00eda y pasaporte<br \/>Programa de larga trayectoria<\/a><\/h4><\/div><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-f2a027f\" data-id=\"f2a027f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a598d6b elementor-widget elementor-widget-text-editor\" data-id=\"a598d6b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"product-thumb\"><img decoding=\"async\" class=\"product-thumnail\" src=\"https:\/\/investmentvisacn.com\/assets\/images\/Dominica-Republic\/dominica-270.jpg\" alt=\"dd\" width=\"270\" height=\"270\" \/><\/div><div class=\"info\"><p><b class=\"categories\">Dominica<\/b><\/p><h4 class=\"product-title\"><a class=\"pr-name\" href=\"https:\/\/investmentvisacn.com\/es_ar\/ciudadania-de-antigua-y-barbuda-por-inversion\/\">Donaci\u00f3n m\u00ednima de $200 000<br \/>Opci\u00f3n inmobiliaria<br \/>Ciudadan\u00eda y pasaporte<br \/>Viajes sin visa a 153 pa\u00edses<\/a><\/h4><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-6ecee71\" data-id=\"6ecee71\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-acd6879 elementor-widget elementor-widget-text-editor\" data-id=\"acd6879\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"product-thumb\"><a class=\"link-to-product\" href=\"https:\/\/investmentvisacn.com\/es_ar\/visa-dorada-de-los-emiratos-arabes-unidos\/\"><img decoding=\"async\" class=\"product-thumnail\" src=\"https:\/\/investmentvisacn.com\/assets\/images\/St-Lucia\/st-lucia-02.jpg\" alt=\"dd\" width=\"270\" height=\"270\" \/><\/a><\/div><div class=\"info\"><p><b class=\"categories\">Santa Luc\u00eda<\/b><\/p><h4 class=\"product-title\"><a class=\"pr-name\" href=\"https:\/\/investmentvisacn.com\/es_ar\/ciudadania-de-samoa\/\">Donaci\u00f3n m\u00ednima de $250,000<br \/>Ciudadan\u00eda y pasaporte<br \/>Viajes sin visa a 158 pa\u00edses<br \/>Zona Schengen de la UE y Reino Unido<\/a><\/h4><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-72a2deb\" data-id=\"72a2deb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-507f0d3 elementor-widget elementor-widget-text-editor\" data-id=\"507f0d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"product-thumb\"><a class=\"link-to-product\" href=\"https:\/\/investmentvisacn.com\/es_ar\/visa-dorada-de-portugal\/\"><img loading=\"lazy\" decoding=\"async\" class=\"product-thumnail\" src=\"https:\/\/investmentvisacn.com\/assets\/images\/Portugal\/portugal-01.jpg\" alt=\"dd\" width=\"270\" height=\"270\" \/><\/a><\/div><div class=\"info\"><p><b class=\"categories\">Portugal<\/b><\/p><h4 class=\"product-title\"><a class=\"pr-name\" href=\"https:\/\/investmentvisacn.com\/es_ar\/visa-dorada-de-portugal\/\">M\u00ednimo $500 000 + gastos<br \/>Inversi\u00f3n en capital privado<br \/>Residencia europea<br \/>Viajes dentro de la zona Schengen de la UE<br \/>Solicitar la ciudadan\u00eda 5 a\u00f1os<\/a><\/h4><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-b77b59d elementor-align-center elementor-widget elementor-widget-button\" data-id=\"b77b59d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/investmentvisacn.com\/es_ar\/inversiones\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Ver todo<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Residency in Jersey Residents of Jersey are taxed at 20% for the first \u00a3725,000 of worldwide income, with a 1% tax charge for any income above. The island does not have inheritance, wealth, corporate, or capital gains tax, making it a popular tax haven for the wealthy. High net worth individuals can apply for Jersey\u2019s [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-515","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Jersey \u2013 High-Value Residency Programme - Investment Visa CN<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/investmentvisacn.com\/es_ar\/programa-de-residencia-de-alto-valor-de-jersey\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Jersey \u2013 High-Value Residency Programme - Investment Visa CN\" \/>\n<meta property=\"og:description\" content=\"Residency in Jersey Residents of Jersey are taxed at 20% for the first \u00a3725,000 of worldwide income, with a 1% tax charge for any income above. The island does not have inheritance, wealth, corporate, or capital gains tax, making it a popular tax haven for the wealthy. High net worth individuals can apply for Jersey\u2019s [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/investmentvisacn.com\/es_ar\/programa-de-residencia-de-alto-valor-de-jersey\/\" \/>\n<meta property=\"og:site_name\" content=\"Investment Visa CN\" \/>\n<meta property=\"article:modified_time\" content=\"2024-08-24T15:49:52+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/investmentvisacn.com\/assets\/images\/Vanuatu\/vanuatu-270.jpg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/investmentvisacn.com\\\/jersey-high-value-residency-programme\\\/\",\"url\":\"https:\\\/\\\/investmentvisacn.com\\\/jersey-high-value-residency-programme\\\/\",\"name\":\"Jersey \u2013 High-Value Residency Programme - Investment Visa CN\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/investmentvisacn.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/investmentvisacn.com\\\/jersey-high-value-residency-programme\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/investmentvisacn.com\\\/jersey-high-value-residency-programme\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/investmentvisacn.com\\\/assets\\\/images\\\/Vanuatu\\\/vanuatu-270.jpg\",\"datePublished\":\"2024-08-24T15:42:32+00:00\",\"dateModified\":\"2024-08-24T15:49:52+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/investmentvisacn.com\\\/jersey-high-value-residency-programme\\\/#breadcrumb\"},\"inLanguage\":\"es-AR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/investmentvisacn.com\\\/jersey-high-value-residency-programme\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"es-AR\",\"@id\":\"https:\\\/\\\/investmentvisacn.com\\\/jersey-high-value-residency-programme\\\/#primaryimage\",\"url\":\"https:\\\/\\\/investmentvisacn.com\\\/assets\\\/images\\\/Vanuatu\\\/vanuatu-270.jpg\",\"contentUrl\":\"https:\\\/\\\/investmentvisacn.com\\\/assets\\\/images\\\/Vanuatu\\\/vanuatu-270.jpg\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/investmentvisacn.com\\\/jersey-high-value-residency-programme\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/investmentvisacn.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Jersey \u2013 High-Value Residency Programme\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/investmentvisacn.com\\\/#website\",\"url\":\"https:\\\/\\\/investmentvisacn.com\\\/\",\"name\":\"Investment Visa CN\",\"description\":\"Global Investment &amp; Visa Solutions You Can Trust\",\"publisher\":{\"@id\":\"https:\\\/\\\/investmentvisacn.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/investmentvisacn.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es-AR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/investmentvisacn.com\\\/#organization\",\"name\":\"Investment Visa CN\",\"url\":\"https:\\\/\\\/investmentvisacn.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es-AR\",\"@id\":\"https:\\\/\\\/investmentvisacn.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/investmentvisacn.com\\\/wp-content\\\/uploads\\\/2024\\\/08\\\/universalinvestmentvisa.png\",\"contentUrl\":\"https:\\\/\\\/investmentvisacn.com\\\/wp-content\\\/uploads\\\/2024\\\/08\\\/universalinvestmentvisa.png\",\"width\":180,\"height\":60,\"caption\":\"Investment Visa CN\"},\"image\":{\"@id\":\"https:\\\/\\\/investmentvisacn.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Jersey \u2013 Programa de residencia de alto valor - Visa de inversi\u00f3n CN","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/investmentvisacn.com\/es_ar\/programa-de-residencia-de-alto-valor-de-jersey\/","og_locale":"es_ES","og_type":"article","og_title":"Jersey \u2013 High-Value Residency Programme - Investment Visa CN","og_description":"Residency in Jersey Residents of Jersey are taxed at 20% for the first \u00a3725,000 of worldwide income, with a 1% tax charge for any income above. The island does not have inheritance, wealth, corporate, or capital gains tax, making it a popular tax haven for the wealthy. 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