Best UK acca bookmakers — what an accumulator really pays and who charges what for it

Updated October 2026

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An accumulator sounds like a route past the bookmaker’s margin. Price three or four football results into one slip and the odds stack into something that looks like a win. The slip works, too — but only when every leg lands. One losing selection costs the whole stake, and the odds shown on the slip are not free of margin: each leg carries a slice the operator keeps whether the bet wins or loses. The cost of chasing an accumulator therefore sits in two places at once, the lost stake on a near miss and the margin sitting inside every price. Picking the operator is mostly deciding which combination of those two costs hurts least.

This page compares ten bookmakers that hold a Gambling Commission remote licence for Great Britain and serve customers who bet on accumulators. They are bet365, Geoff Banks, Kwiff, Fitzwilliam Sports, Dabble, Swifty Sports, Octobet, BetGoodwin, Betfred and BetUK. The review rests on what each operator’s own terms state and what the Gambling Commission’s public register holds; it does not read minds. The accumulator itself is covered before the ranking because the ranking only makes sense once the bet is understood.

Data current as of October 30, 2026, licence numbers verified against the Gambling Commission’s public register.

Why staking control matters more than welcome bonus value

Responsible gambling comes before bonus value because every other figure on this page assumes the reader is still in control of the stake. The Gambling Commission’s rules, the operators’ own controls and the national self-exclusion scheme each address a different point of failure, and the welcome offer does not slow the loss when those controls fail. The bookmakers below are licensed to serve customers in Great Britain; that licence carries with it duties the reader can use.

Every operator on this page is a GAMSTOP member. GAMSTOP is the national multi-operator online self-exclusion scheme, free to use and a condition of holding an online licence. A registered exclusion blocks account opening, deposits and promotional contact at every participating site for the chosen period: six months, one year, five years, or five years with auto-renewal. After the minimum period the exclusion stays in place for a further seven years unless the customer asks GAMSTOP to remove it. Online betting shops, machines and the high street fall outside this scheme: online exclusion does not cover them, and a separate shop-based scheme applies there.

The financial vulnerability check is a licence condition, in force across the licensed market since 30 August 2024. When a customer’s deposits minus withdrawals across licensed remote betting go above £150 in a rolling 30-day window, the operator runs a public-record check — bankruptcy, county court judgments and similar signals — and may ask for source of funds. It is not an income check and not a credit-reference check, but it is a real conversation the operator may start, and unblocking it usually requires documents a casual punter doesn’t have ready. Wider financial risk assessments have been announced in a staged plan; whether a start date applies is not established.

Deposit limits are the customer’s tool, set by them in the cashier, not a state-set ceiling. State-side changes to how operators must offer deposit limits were phased in from 31 October 2025, with a second phase postponed to 30 September 2026; that change is on top of the customer’s own ceiling and does not introduce one. Credit cards are banned for gambling in Great Britain, including when an e-wallet is funded from a credit card. The free space to gamble comes with a fingerprint check on the way in and a recorded conversation when spend rises; that is the price of the licence the rest of the page depends on.

Help that does not route through any operator: GamCare (the National Gambling Helpline), GambleAware, the NHS gambling clinics network, and Gamblers Anonymous. A punter who has stopped trusting their own staking should call before they place the next acca.

Acca promotions, in the only form that is worth knowing

A welcome offer at an accumulator bookmaker reads like a marketing line for a reason. The headline number — “Bet £10, Get £10”, “Bet £10, Get £15 in Free Bets” — describes the value moving from the bookmaker to the new account, not the value reaching the customer. Three lines on every such offer decide what it is actually worth: whether the free-bet stake comes back with the winnings, the minimum price a qualifying bet must be at, and the deadline on the free bet itself.

A free bet whose stake is not returned is the standard form across UK bookmakers. A £10 free bet at 5/1 (6.00) settles as £60 — the £10 stake is gone and the winnings only are paid. The same free bet at 1/2 (1.50) settles as £5. The promotion rule usually sets a minimum odds for the qualifying bet and a minimum fraction for the selection the free bet is spent on; placed below it, the bet either does not qualify or settles as a smaller bonus. None of these prices is what the offer “wins”. They are what the offer is worth on average across many future placements, and that average is well below the headline.

Deadlines matter more than the figures suggest. A free bet sitting in an account past its expiry is gone. Seven days is standard at the time of writing; longer windows exist but are not the rule. Minimum odds exclusions are common on qualifying stakes: betting at odds-on (shorter than evens, 1/1 or below in fractional) often disqualifies the free-bet credit entirely. The bookmakers route what an offer is worth into these three controls, and a wallet with no plan to use the free bet inside the window gets nothing for it.

Bonuses with wagering, where the bonus is paid as cash and turned over several times before withdrawal, are additionally capped. A wagering requirement cap of 10x the bonus applies to licensed UK bookmakers in any promotion issued on or after 19 January 2026: a £10 bonus at a 50x requirement would now be unlawful, and a £10 bonus can never need more than £100 of qualifying stakes. Whether that cap reaches a free bet with no wagering is not established; the bigger cost — minimum odds, expiry, stake not returned — sits with the free bet regardless.

How accumulators are built and how they are priced

An accumulator is a single bet that links two or more individual wagers. Each linked selection is called a leg. The bet wins only when every leg wins; one losing leg, or one that is ruled a non-runner in the operator’s terms, loses the stake. The payout price is the product of the odds of each leg — three legs at 2.00, 2.00 and 2.00 price the accumulator at 8.00. Decimal odds are the natural format for the multiplication; fractional odds are quoted leg-by-leg and converted to decimal before they multiply. The each-way version is two equal stakes, so an each-way Lucky 15 doubles its 15 lines.

A push, a tied leg in American phrasing — a selection that returns stake but no winnings — drops out of the acca rather than losing it. With three legs at 2.00, 2.00 and a push on the third, the accumulator prices at 4.00 with two legs remaining. Rules for pushes and non-runners are in the operator’s terms; some bookmakers settle non-runners as voids, others treat them as losing legs depending on the market. A punter building a five-leg acca should expect at least one non-runner somewhere in the ticket and read the rule before assuming the slip is fully protected.

The bookmaker’s margin is the slice the operator keeps on every unit staked. Each leg carries one; an acca of four legs at 5% margin each does not have a 20% margin because the margins compound on the multiplied price. Roughly: where every leg is a 5% margin, the multiplied payout share is around 81%, leaving the operator with about 19% of every unit staked on the four-fold. The margin is rarely disclosed on the slip; it is visible as the gap between the true odds of each outcome and the price offered. Two prices for the same outcome across two bookmakers are rarely identical; the lower price carries the bigger margin and the punter pays for the difference.

Strategies that try to beat the accumulator read the same way. Picking form against longshots only works when the form is genuine; the punter who always picks favourites is paying the margin on selections whose true probability is already close to the offered price and has nothing left to extract from the slip. The accumulator is an expensive way to bet on something already likely. The hedging move — let one leg lose but pay out less than the stake would have lost — is cash out, and cash out closes at a price the bookmaker sets. The bookmaker’s margin inside that cash-out price is wider than the margin on the original slip, because the operator is taking both sides of the trade.

The headline offer that is not in the odds

What an accumulator costs the customer in pure mathematics: assume three illustrative selections at 1/2 (1.50), evens (2.00) and 6/4 (2.50), all on standard markets. On a single line accumulator of £10, the return on a winning bet is £10 × (1.50 × 2.00 × 2.50) = £10 × 7.50 = £75; profit on top of stake is £65. This is the only honest framing the offer gets: it is the maximum payout on a winning bet, not a forecast, and the slip is fragile the moment any one of the three prices moves during the day.

A full-cover bet on the same three selections, a Trixie — four bets — at £2 a line costs £8 in total. The four lines price: three doubles at (1.50 × 2.00) = 3.00, (1.50 × 2.50) = 3.75 and (2.00 × 2.50) = 5.00, plus the treble at (1.50 × 2.00 × 2.50) = 7.50. A winning Trixie returns £6 + £7.50 + £10 + £15 = £38.50 on the eight pounds staked, roughly 4.8x. A Trixie with one loser returns only the winning doubles — losing the treble and the two doubles that touch the loser, paying only the double that covered the two remaining winners. The Trixie is a known full-cover shape on three selections; the Yankee (four selections, eleven bets) and Heinz (six selections, fifty-seven bets) are built on the same idea across more legs. A Super Heinz on seven selections runs to 120 bets; the unit stake multiplies through every line and the total stake is unit × number of bets.

The two shapes trade against each other on one number: probability of every leg winning. The single-line accumulator keeps the full upside but loses the stake entirely on any one losing leg. The Trixie keeps a partial win even with a loser — the doubles still settle — at the cost of a stake that is four times the unit. A punter who expects three or more wins across the ticket picks the cover. A punter who expects at most one or two and would rather have a big payday on the rare full ticket picks the accumulator. Either way the multiplication of odds is the same; only the payout geometry differs. The illustrative band across these shapes, on three selections at 1.50, 2.00 and 2.50 with all legs winning, runs from £38.50 on a £2-unit Trixie to £75 on a £10 single accumulator, with a free-bet stake on the same shape never reaching the punter’s pocket in cash terms at the same numbers.

Choosing an acca bookmaker: ten names ranked against the same criteria

The full ranking is in the comparison block below; this section walks each operator against the same three questions: what the licence actually says on the register, what the operator’s own terms say about how a bettor’s accumulator is treated, and what costs a punter should know about before opening an account. The verdict at the foot of each write-up is this page’s judgement, and is built around what distinguishes that bookmaker from the line of nine behind it, not against a notion of who is “best”.

The criteria the page uses, in order of weight for an accumulator customer, are these. First, an active Gambling Commission remote licence whose name matches the trading name. Second, treatment of the accumulator itself — does the cash-out offer cover multi bets, is there an acca boost on winning slips, is bonus money usable on the acca — set out in the operator’s terms. Third, the welcome offer’s three controls: stake returned or not, minimum odds, expiry. Fourth, support features for a heavy accumulator user — payment methods that clear on the betting day rather than after it, customer-service hours that match the football calendar, an in-play book with sufficient depth.

Bet365

The remote licence covers real-event general betting standard; trading name matches the licence holder as it should. Hillside (UK Sports) ENC is the entity on the register, a familiar name in the British market; Bet365 has run in the UK since the early 2000s under continuous licensing. The platform’s acca story is built around Bet Builder+: instead of paying a single price on a result market, the punter adds markets from the same match — shots, corners, player markets — into one bet, available both pre-match and during the game. The acca mechanic, the multiplication of leg prices, applies identically to Bet Builder tickets as to selections spread across matches.

The welcome offer, when it is live, is described qualitatively in Bet365’s own terms: a stake not returned on free bets and a deadline usually inside seven days. The most visible cost is the margin on in-play markets, where Bet365’s book has the depth to absorb bigger stakes than many competitors but charges accordingly. Bet Builder+ closes that gap by letting the punter construct their own prices, but the combined price is still the operator’s margin applied across the constructed leg.

Worth it, and for whom: a punter who bets across multiple matches a week and who wants the same brand on prematch and in-play. The cost is the in-play margin; the saving is the depth and the cash-out price on multi bets at scale. The single-line acca customer looking for the cheapest place to bet on a four-fold at small stake will not feel the difference.

Geoff Banks

The licence is small — a Commission account 54095 with GB Sports Advisors Limited behind it — and the brand runs primarily through its app, with no major-web equivalent carrying the same weight. Ante-post prices on future events are part of the offer, alongside live in-play pricing that the app flags as a core feature. The acca mechanics are standard; the differentiation is the racing and ante-post book, where bigger-priced selections suit a long-form accumulator ticket.

The operator does not publish a welcome bonus on its App Store listing: a punter’s first impression of the brand is the app’s price-feed and ante-post depth rather than a deposit match. Any promotional terms are stated in the app’s own rules at the time of staking and not on the store page.

Worth it, and for whom: a racing-led punter who wants an ante-post book on bigger-priced selections and an app-first experience. A value-focused punter chasing long-priced racing markets will find more to engage with here.

Kwiff

The licence belongs to Eaton Gate Gaming Limited on Commission account 44448. The brand’s product is Supercharge: a placed bet can have its odds boosted, instantly, from anywhere to a heavier price — the example given in research is 2/1 to 20/1. The boost applies to single bets and to multi-leg accumulators, on every sport. The relevant feature for this page is that Supercharge arriving on an accumulator creates a slip with a price well above what the punter built.

The catch is that Supercharge arrives at the operator’s discretion; it is not a feature a punter can demand. When it lands, the punter has paid only the placed-bet stake and may collect the boosted price; when it doesn’t, the price is the unboosted line. The other catch is that the punter does not know which bets will be Supercharged in advance. The shape of the welcome offer or the treatment of the stake on free bets is set in the app’s terms at the time of staking.

Worth it, and for whom: a punter who likes the random upgrade on long-priced bets and is happy to take the unboosted price when Supercharge doesn’t fire. Those who prefer stable, non-random pricing should look toward a more traditional bookmaker.

Fitzwilliam Sports

The licence sits with SBKI Limited, Commission account 48760. The brand’s defining line is that each selection is priced to Oddschecker’s average — the published consensus across the market — rather than the bookmaker’s own model. The implication for accumulators is that each leg is set closer to the middle of the market than at brands that run their own proprietary book, so the acca’s compound price lands somewhere representative. The app is iOS and Android only; there is no desktop product of any size.

The trade is depth. A book that follows the market is a thinner book at the edges: where the rest of the market has moved on a team news, Fitzwilliam may not have led the move. For an accumulator built on settled prices at the time of staking, the price is sharp. For an in-play accumulator with selections moving across the day, the punter pays in slippage.

Worth it, and for whom: a pre-match accumulator customer who values a consistent median price across every selection over the big-name bookmaker’s own pricing. The in-play acca punter will feel the lag.

Dabble

The licence is account 65677, licence holder Dabble Sports UK Ltd. The welcome offer is “Bet £10, Get £10 in Free Bets” on the first deposit, with a minimum-odds qualifier, a seven-day expiry on the free bet, and the stake not returned with the winnings. Each of the three controls sits at the conservative end of the market: minimum odds are usually 1/2 (1.50) or higher, the seven-day window is the standard short form, and the stake-not-returned rule is the default UK free bet shape, not a softer version.

The accumulator customer treats this offer as a single-bet-or-each-way credit on a chosen ticket, because the free bet cannot be split across every leg of a long acca without repeated rollover. The bigger picture is the social-betting pitch that sits around Dabble: a feed-style app where other punters’ picks are visible and the user can copy them. The pitch is part product, part audience; the pricing underneath the feed follows the standard bookmaker pattern.

Worth it, and for whom: a casual accumulator punter using the £10 free bet on one ticket at minimum odds inside the window. A player seeking a deep welcome bonus package will likely need to look elsewhere.

Swifty Sports

The licence is account 58957 with Swifty Global (UK) Ltd behind it. The platform carries Best Odds Guaranteed, daily price boosts, Cash Out on horse racing and football, live streaming and in-play betting; Bet Builder is listed as coming soon at the time of research. The acca customer using Swifty is working with a standard multi-leg multiplication across racing, football and other sports, and the cash-out feature extends to multi bets. The Best Odds Guaranteed guarantee applies on UK and Irish racing in the standard form: the punter collects the bigger of the taken price and the starting price.

The platform is mid-sized on the App Store presence. The differentiating feature, beside the racing book, is the live-streaming coverage on selected events. The live-streaming offer is one route to in-play markets for an acca built around a multi-match football card.

Worth it, and for whom: a punter who wants a streamlined racing-and-football book with BOG and streaming and is willing to wait on Bet Builder. The acca customer who needs a Bet Builder now will pick another brand.

Octobet

The licence is account 62545 with Octopus Game Limited. The Best Odds Guaranteed offer on UK and Irish horse racing is the headline; it is bounded at £150 per customer per race. The cap is the relevant number: above £150 of stake on any one race, the guarantee does not apply and the punter collects the lower of the taken price and SP. BOG is a feature most racing-led accas assume to be unlimited; the cap moves that assumption.

Away from racing, Octobet’s offer is built around football and an in-play book. The acca mechanic operates as expected. The punter building a racing-led accumulator with a leg at longer odds, where SP sits well above the taken price, captures the upside on the small-stake part of the slip and gets nothing on the cap.

Worth it, and for whom: a horse-racing-focused accumulator punter with small-per-race stakes who wants the BOG cover without paying the bigger-name bookmaker’s margin. The larger-stake racing punter who routinely bets above £150 per race will not be protected by the guarantee.

BetGoodwin

The licence is account 2927, with Goodwin Racing Limited as the licence holder — a long-running UK racing book name. The welcome offer is “Bet £10, Get £15 in Free Bets”, paid in three £5 tokens: a £5 sports free bet, a £5 acca free bet, and a £5 Sub-Cover free bet. The split is the relevant feature; a £5 free bet usable only on an accumulator is the most tightly constrained of the three.

For a punter building an acca, the Sub-Cover term is the unfamiliar one. A Sub-Cover bet is a substitute token for a specified event, often a horse race with a non-runner or a player-prop contingency, and the rules for its use sit in BetGoodwin’s own terms. The acca free bet cannot be split across a four-fold; it must be one selection at minimum odds inside the window.

Worth it, and for whom: a racing-led accumulator punter who uses the Sub-Cover structure and understands the constraint on the acca token. A punter who bets across many sports and likes to split a £15 free bet three ways will not get the full value here.

Betfred

The licence is account 39544 with Petfre (Gibraltar) Limited behind it — the Petfre licence is the standard UK arrangement for several major British bookmakers. The platform carries Bet Builder, Sub Switch (a Betfred structure that lets the punter substitute a leg on a settled or pre-set acca), Racing Post data on the app, Extra Places on selected racing markets, plus casino and bingo on the same app. The breadth is the brand’s distinguishing mark: the acca customer gets one app, one wallet, and the racing-shop heritage for ante-post and Extra Places.

The welcome offer to a UK sports punter is described in Betfred’s terms. The acca mechanic is standard and Bet Builder works across one match; Sub Switch is an acca-specific tool that lets the punter swap a selection in defined conditions. The trade is that the broader-platform cost — bingo and casino — sits inside the same app and surface occasionally in promotional contact.

Worth it, and for whom: a UK racing-and-football accumulator punter who values Bet Builder and Sub Switch in one app and tolerates the broader-platform offer around them. The casino-free punter who wants a single-product sportsbook will notice the surface area.

BetUK

The licence is account 39198 with LeoVegas Gaming PLC behind it. The platform’s free bets exclude virtual sports, esports and non-UK/IE horse racing, with minimum odds applying; the exclusions on free bets are the relevant feature. A punter who likes esports accumulators or virtual markets will not use the offer on those markets; an accumulator that lands a leg on those markets, with the free-bet stake in play, does not qualify. The exclusion list is on the bookmaker’s terms.

The LeoVegas structure brings casino muscle behind the sportsbook: a LeoVegas-built wallet, fast withdrawals on the casino side, and an acca product on the sports side that sits inside the same app. The accumulator pricing follows LeoVegas’s house book; the cash-out feature on multi bets is available in the standard form.

Worth it, and for whom: a real-world sports accumulator punter — football, racing, the major US sports — who wants the casino-grade wallet underneath. The esports-or-virtual accumulator customer is not this brand’s market.

Reading the accumulator market: liquidity, price and timing

The British accumulator market is open in the technical sense and licensable in the regulatory sense. There is no state monopoly on sports betting, the Gambling Commission issues licences to as many operators as apply and meet the conditions, and the Commission’s public register is the list of who holds one. An operator licensed for a category — most commonly “remote general betting standard (real events)” — chooses what markets to offer under its own rules, the Licence Conditions and Codes of Practice and the Remote Technical Standards. No statutory list of permitted markets exists; the operator’s house rules determine what an accumulator customer can build a slip from.

In-play markets are offered by every bookmaker on this list. The legal frame is that in-play betting is allowed under the licence category and is regulated by the operator’s licence conditions, including a duty to manage customer protection on fast-moving markets. The popular framing that in-play is “unrestricted” is not a legal conclusion; the operator’s house rules matter, and pricing on in-play markets carries the operator’s margin as it does anywhere else. Cash Out, where the punter closes a multi-bet ticket before the last leg is settled, is offered by most of this list on multi bets as well as singles; the cash-out price embeds a margin wider than the original ticket because the bookmaker is taking both sides of the trade.

Spread betting on Spreadex’s site is regulated by the FCA, separately from the Gambling Commission’s fixed-odds licence. Spreadex is the only operator on this list whose spread-betting product carries the FCA authorisation, and the operator’s own homepage states that spread-betting losses can exceed deposits. A punter’s exposure on a spread bet is not bounded by the stake in the same way a fixed-odds acca is, and the wrong read on a sports spread can cost more than the account balance. On the fixed-odds side the bookmaker’s margin operates in the same way; on the spread side the loss profile is structurally different.

Legality, licensing and what an offshore site does not give

The legal frame in Great Britain rests on the Gambling Act 2005, the Gambling (Licensing and Advertising) Act 2014, and the Gambling Commission’s licence conditions. A remote bookmaker serving customers in Great Britain needs a Commission licence wherever the operator is based. Sections 33 and 36 of the 2005 Act, as amended by the 2014 Act, set out the offence of providing facilities without the right licence: aimed at the operator, not the customer. No offence is aimed at a customer who merely bets on an unlicensed site; what a customer loses by betting on one is the Commission’s protection regime.

A GB licence compels identity verification before the first deposit and first bet, regardless of whether the funds are bonus or real money. The verification, in force in current form since 7 May 2019, asks for name, address and date of birth. A punter who passes that step is gambling with the operator’s licence conditions behind them: GAMSTOP coverage, the financial vulnerability check, the 10x bonus wagering cap, the ASA advertising rules, the Commission’s complaints route and an approved alternative dispute resolution provider. A punter who does not verify at a licensed site has none of this at the unlicensed one.

The Commission’s public register is searchable by business name, trading name, domain or account number. The domain ending proves nothing — licensed operators use both .com and .co.uk. The check is the licence number and the licence holder. The numbers carried in this page’s comparison block are the ones the register holds; the test for any other brand the reader meets is the same one, done with their own search.

An unlicensed brand cannot impose the British controls and is not licensed to comply with them. No GAMSTOP coverage, no Commission complaints route, no approved ADR body, no cap on bonus wagering, no £150 vulnerability check threshold, no enforced safer-gambling messaging. Funds owed to a customer are recoverable only through the operator’s own jurisdiction; the British consumer protection does not extend to the offshore operator’s house. The framing is honest: licensed = verification, checks and limits in exchange for protection. Unlicensed = no verification but no protection. Neither is “the safe choice” by definition. A punter who knows what they want from a bookmaker picks one and accepts the trade.

Frequently asked questions

What is an acca bet?

An accumulator, also called a parlay, acca, combo bet or multi, is a single bet that links two or more individual wagers into one slip. Every leg must win for the bet to win; one losing leg loses the entire stake. The payout odds are the product of each leg’s decimal odds, which is why decimal odds fit the accumulator’s multiplication and why a four-fold with all legs at 2.00 prices at 16.00. The stake is paid once; only the multiplied odds decide the return on a winning slip.

How does an accumulator actually work?

Build the slip at the bookmaker by adding selections from different markets or matches; the slip shows the multiplied decimal odds as legs are added. The stake is paid against that multiplied price; the bookmaker settles the bet after the last leg is decided. A push — a tied leg that returns stake but no winnings — drops the leg from the slip and reduces the payout odds; a void selection is treated the same way under most operators’ rules. A non-runner in racing sits on the operator’s own non-runner terms.

Can acca freeze be used on free bets?

Acca freeze, the feature that locks a price or locks a slip’s leg-in status while the punter builds the rest of the ticket, is governed by each operator’s own terms page; whether the frozen price is available on a free-bet stake rather than on cash differs by brand. The punter’s question to ask the bookmaker is not whether freeze is offered but whether the freeze applies to the bonus token in the same way as to the cash stake; the answer is usually no on bonus funds.

How is it checked that a bookmaker holds a UK Gambling Commission licence?

The Commission’s public register is searchable by business name, trading name, domain or account number. The check is the licence holder’s name matching the trading name and the licence categories covering what the punter sees the operator offering. The licence numbers in this page’s comparison block are taken from the register at the date stated; the punter’s own search adds no faith, but the absence of the operator on the register settles the question against unlicensed.

How is the return on a bet worked out from the stake and the odds?

Return = stake × decimal odds. At 1/2 (1.50) odds, a £10 stake returns £15 including the £10 stake, leaving £5 profit. On an accumulator the decimal odds are the product of each leg, so the same £10 across three legs at 1.50, 2.00 and 2.50 returns £10 × 7.50 = £75, of which £65 is profit and £10 is the stake back. The number is the same calculation written out; the slip’s fragility is what the profit represents.

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