Document:

2005 Management Incentive Plan

Exhibit 10.3

Coventry Health Care,
Inc.
2005 Management
Incentive Plan (MIP) 

Plan Objective 

The objective of Coventry Health
Care’s (CHC) 2005 Management Incentive Plan (MIP) is to reward employees for their
contribution to the achievement of company–wide, business unit, health plan, and
team/individual goals. 

Plan Year 

The plan year will be consistent with
CHC’s fiscal year, January 1 through December 31, 2005. 

Eligibility 

The CEO of CHC will determine
employee eligibility prior to the beginning of the plan year and throughout
the year as warranted by promotions and/or performance. Participants in CHC’s Sales
Incentive Plans, Team Incentive Plans and Annual Executive Incentive Plan, are not
eligible for the MIP. Participants must be actively employed at the time incentive checks
are distributed to receive an incentive payment. MIP payouts may be prorated based on hire
date or the promotion date of each participant. 

Timing of Incentive
Payouts 

Incentive payouts will be made as
soon as possible after the close of the fiscal year and after CHC’s year–end
financial results are finalized (approximately February/March 2006). 

Target Incentive
Opportunity 

	Eligible
Employee Title	Target Incentive % 
	Sr. Vice Presidents and Coaches	50%*
	Vice Presidents	30%*
	Directors	15%*
	Managers	10%*

*Exceptions made on a case–by–case
basis with approval from the CHC CEO 

Performance Criteria 

Criteria for incentive payouts
includes the following three factors: 

	CHC Financial Results 

	Health Plan Financial
Results 

	Team and Individual
Achievements 

Coventry Health Care
Results 

The performance of CHC will be based
on the achievement of its Earnings Per Share goal. 

	2005 Goal 
	Net
Earnings Per Share	Budget

Incentive Pool Funding 

Target incentive pools will be
calculated separately for each Health Plan and Corporate. The number of eligible
employees, individual incentive targets and each eligible employee’s base pay will
determine each budgeted target incentive pool. 

Actual funding of incentive pools is
based on the results achieved by each Health Plan and the overall performance of Coventry
Health Care, Inc in the case of the Health Plan, and overall performance of Coventry
Health Care, Inc. in the case of Corporate. 

Health Plan Results 

The performance of each Health Plan
will be based on the achievement of its Plan Contribution and Revenue Growth goals as set
forth in the 2004 Budget. The two key goals are weighted as follows: 

	Plan Contribution     75%

	Revenue Growth       25%

Health Plan Incentive
Pool Funding 

Each Health Plan’s incentive
pool is funded based on the achievement of its Plan Contribution and Revenue Growth goals.
Each Health Plan’s pool will be modified based on the achievement of CHC’s EPS
goal. The following chart will be utilized to calculate the final incentive pool for each
Health Plan. 

	Level of Health

Plan Goal

Achievement	% of Target Pool Available for

Payout  (1) 
	‹ = 85%	0%
	86% to 99%	Committee Discretion
	100%	100%
	110%	110%
	120%	120%
	130%	130%
	140%	140%
	150%	150%

     (1)    
          Straight–line interpolation will be used to calculate the incentive pools when
          performance falls between two levels. 

Once each Health Plan’s
incentive pool is calculated, it will be modified by the achievement of CHC’s
Earnings Per Share goal. The following chart displays the scale that will be used to
modify each Health Plan’s incentive pool. 

	Level of CHC
Goal Achievement	Health Plan Incentive
Pool Modifier(2)
	‹ 97.75%	0
	97.75%	.50
	100%	1.00
	110%	1.20
	120%	1.30
	130%	1.40
	140%	1.50
	150%	1.50

(2) Straight–line
interpolation will be used to calculate the pool modifier when performance falls between two
levels and, the maximum modification to the Health Plan’s budgeted target
pool is 1.50.

Example Incentive Pool
Calculation 

Example 1: The Health Plan achieves
90% of its Plan Contribution and Revenue Growth goals, which results in the target
incentive pool being decreased to 50% of the budgeted target pool, determined at the
discretion of the Compensation Committee. CHC achieves 100% of its Earnings Per Share
Goal, thus modifying the Health Plan’s pool by 1.0. The final incentive pool remains
50% of the budgeted target pool. 

Example 2: The Health Plan achieves
110% of its Plan Contribution and Revenue Growth goals, which results in the target
incentive pool being increased to 110% of the budgeted target pool. CHC achieves 120% of
its Earnings Per Share Goal, thus modifying the Health Plan’s pool by 1.3. The
incentive pool equals 143% of the budgeted target pool. 

Corporate Incentive Pool
Funding  

The corporate incentive pool
is funded based on the achievement of CHC’s EPS goal.

	Level of Target CHC Earnings
Per Share Goal Achievement	% of Target Pool Available
for Payout(1)
	‹ 97.75%	0
	97.75%	50%
	100%	100%
	110%	120%
	120%	130%
	130%	140%
	140%	150%
	150%	150%

(1) Straight–line interpolation will be used to calculate the incentive pools when
               performance falls between two levels 

Individual Incentive
Payout Calculations 

Individual incentive awards will be
determined by the following: 

     1.    
          Individual Target Incentive Opportunity 
2.    
          Incentive Pool Funding, and 
3.    
          Achievement of established financial goals and individual/team non–financial
          goals. 

Individual incentive awards can vary
between 0% and 200% of the Individual Target Incentive based on individual performance. 

Form of Payment

Payments will be paid in cash. 

Miscellaneous

Coventry Health Care reserves the
right to amend or discontinue this plan at any time and/or add, reduce or limit the number
of participants at any time such actions are deemed appropriate and in the best interest
of CHC. This document shall not be construed as a contract with the employee and is in no
way intended to limit the employment at will status of employees of Coventry Health Care,
Inc., or its Health Plans.Wolf Employment Agreement

Exhibit 10.2

EMPLOYMENT AGREEMENT 

        This
Agreement is made the 22nd day of November, 2004, effective as of January 1, 2005, by and
between Coventry Health Care, Inc., a Delaware corporation (the “Company”), and
Dale B. Wolf (the “Executive”). 

        WHEREAS,
the Company employs the Executive as its Executive Vice President and Chief Financial
Officer pursuant to an Employment Agreement dated February 6, 2004, and the parties desire
to amend the terms of such employment as set forth herein. 

        NOW,
THEREFORE, in consideration of the mutual covenants contained in this Employment
Agreement, the parties hereby agree as follows: 

     1.  TERM AND DUTIES 

        1.1
The term of this Agreement will commence as of January 1, 2005, and shall continue through
December 31, 2007, (the “Initial Term”), and will continue on a year–to–year
basis thereafter (the “Renewal Term”), until the Executive’s employment is
terminated as outlined in Section 4 herein. 

        1.2
Executive shall serve as Chief Executive Officer, shall report to the Board of Directors
and shall be responsible for the overall direction, administration and leadership of the
Company, including, but not limited to, the establishment and implementation of policies
and directives, formulation of long range plans, goals and objectives, effective
management of employees, and such other powers and duties normally associated with such
position or as may be delegated or assigned to the Executive by the Company’s Board
of Directors. During the Initial or Renewal term of the Agreement, the Executive shall
also serve without additional compensation in such other offices of the Company or its
subsidiaries or affiliates to which he may be elected or appointed. 

     2.COMPENSATION AND BENEFITS 

        2.1
The Company shall pay the Executive a base salary (“Base Salary”) of not less
than Eight–Hundred Fifty Thousand Dollars ($850,000) per annum, subject to applicable
withholdings. The Base Salary shall be payable in accordance with the customary payroll
practices of the Company. The Base Salary shall be reviewed annually and shall be subject
to increase by the Board of Directors (or the Compensation and Benefits Committee of the
Board (“Committee”)) from time to time. 

        2.2 The Executive shall be eligible
for an annual bonus (“Bonus”) in accordance with the Company’s Performance
Based 162(m) Plan. 

        2.3 The terms and conditions of all
stock options and restricted share awards previously granted to Executive shall remain in
full force and effect. 

        2.4 The Executive will be entitled to
participate in all employee benefit plans or programs and receive all benefits and
perquisites to which any salaried employee is eligible under any existing or future plan
or program for salaried employees, including, without limitation, all plans developed for
executive officers of the Company. These plans or programs may include group
hospitalization, health care, dental care, vision care, life or other insurance, tax
qualified pension, savings, thrift and profit sharing plans, termination pay programs,
sick leave plans, travel or accident insurance, disability insurance, and contingent
compensation plans, including capital accumulation programs, deferred compensation plans,
estate planning programs, restricted stock programs, stock purchase programs and stock
option plans. Nothing in this Agreement will preclude the Company from amending or
terminating any of the plans or programs applicable to salaried employees or executive
officers. 

        2.5 The Executive will be entitled to four (4) weeks of annual paid vacation.

        2.6
The Company will reimburse the Executive for all reasonable travel and other expenses
incurred by the Executive in connection with the performance of his duties upon proper
documentation in accordance with Company policies. In addition, in lieu of charging any
auto mileage for business use, the Executive will be provided a leased automobile, and all
reasonable operating costs incurred by the Executive, including insurance, gas,
maintenance, and repairs, will be reimbursed to the Executive on a grossed–up basis. 

        2.7
The Executive will be entitled to 50 hours of personal use of the Company plane and full
reimbursement of the associated additional income tax liability. 

     3. DEATH AND DISABILITY COMPENSATION 

        3.1
      In the event of  the Executive's death during the Initial Term or Renewal Term, the agreement terminates and all payments
under the Agreement shall cease as of the date of death, except for the following benefits
to be paid to the Executive’s beneficiaries: 

                 (a)    
          any earned but unpaid base salary and a lump sum payment equal to the average
          annual bonus compensation for the two (2) calendar years immediately preceding
          the death of Executive; and 

                 (b)    
          for thirty–six (36) months following the date of the Executive’s death, the
          Company shall pay the cost of medical, dental and vision premiums as in effect
          at the date of the Executive’s death, to the Executive’s designated
          beneficiary, subject to a formal election by the beneficiary; and 

                 (c)    
          twelve (12) months additional vesting credit for all stock options and
          restricted stock awards granted the Executive, as of the date of the
          Executive’s death. The exercisability of stock options granted to the
          Executive shall be governed by any applicable stock option agreements and the
          terms of the respective stock option plans; and 

                 (d)    
          the Executive’s designated beneficiary will be entitled to receive the
          proceeds of any life or other insurance or other death benefit programs provided
          or referred to in this Agreement. 

        3.2 Notwithstanding the short–term
disability of the Executive, the Company will continue to pay the Executive pursuant to
Section 2 hereof during the Initial Term or Renewal Term, unless the Executive’s
employment is earlier terminated in accordance with this Agreement. In the event the
Executive becomes disabled (as defined by the Company’s long–term disability plan),
the Executive’s employment will be terminated and the Company will pay the Executive
amounts equal to the following: 

                 (a)    
          his regular installments of Base Salary, as of the time of termination, for a
          period not to exceed the commencement of payments under any Company provided
          long–term disability plan; and 

                 (b)    
          a lump sum payment equal to the average annual bonus compensation for the two
          (2) calendar years immediately preceding the year of termination due to
          disability; and 

                 (c)    
          for thirty–six (36) months following the date of the Executive’s
          termination due to disability, the Company shall pay for the cost of the
          Executive’s medical, dental and vision insurance premiums in effect at the
          date of the Executive’s termination, subject to a formal election by the
          Executive; and 

                 (d)    
          if the Executive is receiving disability benefits under the Company’s
          qualified long–term disability program, the Executive will receive a monthly
          payment equal to 60% multiplied by pre–disability earnings (as defined by the
          qualified long–term disability plan) less any monthly benefit paid under the
          qualified long–term disability program. Such payments shall continue to
          cessation of payments under the Company’s qualified long–term disability
          program. 

                 (e)    
          The Executive will receive twelve (12) months additional vesting credit for all
          stock options and restricted stock awards. The exercisability of stock options
          granted to the Executive shall be governed by any applicable stock option
          agreements and the terms of the respective stock option plans. 

        3.3 During the period the Executive
is receiving payments following his disability and as long as he is physically and
mentally able to do so, the Executive will furnish information and assistance to the
Company and from time to time will make himself available to the Company to undertake
assignments consistent with his position or prior position with the Company and his
physical and mental health. 

        3.4 For purposes of this Agreement,
the term “disabled” or “disability” will have the same meaning as is
attributed to such term, or any substantially similar term, in the Company’s
long–term disability income plan in effect from time to time. The Company’s group
long–term disability policy in existence at the time of disability shall be considered to
be a part of this Agreement. 

     4. TERMINATION OF EMPLOYMENT 

        4.1
The Company may terminate this Agreement with or without cause at any time during the term
of the Agreement with ninety (90) days prior written notice (the “Notice”).
However, except in the case of the two year period following a Change in Control (as
hereinafter defined), if the Executive suffers a Termination Without Cause (hereinafter
defined) or a Constructive Termination (as hereinafter defined), the Company will continue
to pay the Executive the following: 

                 (a)    
          for a period of twenty–four (24) months after Termination Without Cause or
          Constructive Termination, a monthly amount equal to 200% of the sum of the
          Executive’s combined (i) Base Salary as in effect at the time of the
          termination and (ii) the average Bonus for the two (2) calendar years
          immediately preceding the year of termination, divided by twenty–four (24); and 

                 (b)    
          for twenty–four (24) months following such Termination Without Cause or
          Constructive Termination, the Company shall pay the cost of the Executive’s
          medical, dental and vision insurance in effect at the date of termination,
          subject to a formal election by the Executive. In addition, the Executive will
          receive twelve (12) months additional vesting credit for all stock options and
          restricted stock awards and the Company will purchase and transfer unrestricted
          title to the automobile referred to in Section 2.6 to Executive. 

        4.2 If the Executive suffers a
Termination Without Cause or Constructive Termination within two (2) years following a
Change in Control, the Company will pay to the Executive the following: 

                 (a)    
          in a lump sum upon such termination an amount equal to the sum of (i) 200% of
          the Executive’s combined (A) Base Salary as in effect at the time of the
          termination and (B) average Incentive Bonus for the two (2) calendar years
          immediately preceding the year of termination, and (ii) to the extent that such
          foregoing amount or any other payment in the nature of compensation (within the
          meaning of Section 280G of the Internal Revenue Code of 1986, as amended, and
          the regulations promulgated thereunder (“Section 280G”)) to or for the
          benefit to the Executive (or any part of such amount or other payment)
          constitutes an “excess parachute payment” within the meaning of
          Section 280G, the amount, if any, of (A) such “excess parachute
          payment” multiplied by a fraction, the numerator of which is the number one
          (1.00) and the denominator of which is (I) the number (1.00) minus (II) the
          effective tax rate under Section 280G applicable to the Executive expressed as
          decimal, minus (B) the amount of such “excess parachute payment”; and 

                 (b)    
          for thirty–six (36) months following such Termination Without Cause or
          Constructive Termination following a Change of Control, the Company shall
          reimburse the Executive for the cost of the Executive’s medical and dental
          insurance as in effect at the date of termination; and 

                 (c)       
          the Company will purchase and transfer unrestricted title to the automobile
          referred to in Section 2.6 to Executive; and 

                 (d)       
          all stock options and all restricted stock granted to the Executive shall vest
          in full upon a Change of Control. 

        4.3
Executive may terminate his employment hereunder at any time during the term of this
Agreement with notice (as defined in Section 1.1 herein). If the Executive suffers a
Termination with Cause or the Executive terminates his employment with the Company not due
to a Constructive Termination, death or disability (as defined in Section 3.4) (a
“Voluntary Termination”), then the Company will not be obligated to pay the
Executive any amounts of compensation or benefits following the date of termination,
except earned but unpaid Base Salary through the date of termination, which will be paid
in a lump sum. The exercisability of stock options granted to the Executive shall be
governed by any applicable stock option agreements and plans. 

        4.4 For purposes of this Employment Agreement, the following terms have the following
meanings:

                 (a)    
          A “Change in Control” shall occur if at any time, substantially all of
          the assets of the Company are sold or transferred by sale, merger or otherwise,
          to an entity which is not a direct or indirect subsidiary of the Company, or if
          any “person” (as such term is used in Sections 13(d) or 14 (d) of the
          Securities Exchange Act of 1934, as amended) is or becomes the beneficial owner,
          directly or indirectly, of securities of the Company representing 35% or more of
          the combined voting power of the then existing outstanding securities of the
          Company. 

                 (b)       
          “Constructive Termination” means termination by the Executive which
          follows (a) a reassignment of duties, responsibilities, title, or reporting
          relationships (including being required to report to anyone other than the
          ultimate controlling entity’s board of directors after a Change in Control)
          that are not at least the equivalent of his then current position as set forth
          in Section 1.2 or a material reduction in the compensation and benefits provided
          herein, (b) the intentional or material breach by the Company of this Agreement,
          or (c) the continuous and material involvement of the Board in the management of
          the Company, on a level not warranted by exceptional circumstances, that is
          clearly greater than that previously exercised by the Board or (d) a
          reassignment, after a Change of Control, to a geographic location more than
          fifty miles from Bethesda, Maryland. The Executive shall have a period of ninety
          (90) days after termination of his employment to assert against the Company that
          he suffered a Constructive Termination, and after the expiration of such ninety
          (90) day period, the Executive shall be deemed to have irrevocably waived the
          right to such assertion. 

                 (c)    
          “Termination With Cause” means termination by the Company, acting in
          good faith, by written notice to the Executive specifying the event relied upon
          for such termination, due to; (i) the Executive’s indictment or conviction
          of a felony, (ii) the Executive’s intentional perpetration of a fraud,
          theft, embezzlement or other act of dishonesty or (iii) the Executive’s
          intentional breach of a trust or fiduciary duty which materially adversely
          affects the Company or its shareholders. 

                 (d)    
          “Termination Without Cause” means termination by the Company other
          than due to the Executive’s death or disability or Termination With Cause. 

     5. OTHER DUTIES OF THE EXECUTIVE 

        5.1 The Executive shall devote
substantially all of his working time to the business of the Company and during the Term
shall not take, directly or indirectly, an active role in any other business without the
prior written consent of the Company; but except as provided in Section 5.3, this Section
shall not prevent the Executive from serving as a director of other entities not
affiliated with the Company, from making real estate or other investments of a passive
nature or from participating in the activities of a charitable organization where such
participation does not adversely affect the Executive’s ability to perform his duties
under this Agreement. 

        5.2 The Executive will, upon
reasonable notice, during or after the Term of this Employment Agreement, furnish
information as may be in his possession and cooperate with the Company as may reasonably
be requested in connection with any claims or legal actions in which the Company is or may
become a party. The Executive shall receive reasonable compensation for the time expended
by him pursuant to this Section 5.2 after the Term. 

        5.3 The Executive acknowledges that
certain information pertaining to the business and operations of the Company such as
strategic plans, product development, financial costs, pricing terms, sales data or new or
developing business opportunities (“Confidential Information”), is confidential
and is a unique and valuable asset of the Company. Access to and knowledge of this
Confidential Information are essential to the performance of the Executive’s duties
under this Agreement. The Executive will not during the term of this Agreement or
following termination of his employment except to the extent reasonably necessary in the
performance of his duties under this Agreement, give to any person, firm, association,
corporation or governmental agency any Confidential Information except as required by law.
The Executive will not make use of this Confidential Information for his own purposes or
for the benefit of any person or organization other than the Company. The Executive will
also use his best efforts to prevent the disclosure of this Confidential Information by
others. All records, memoranda, etc. relating to the business of the Company whether made
by the Executive or otherwise coming into his possession will remain the property of the
Company. 

        5.4 The Executive will not Compete
with the Company (as hereinafter defined) at any time while he is employed by the Company.
Except after a Change in Control or after non–renewal under Section 1.1, in the event of
Termination Without Cause or Constructive Termination pursuant to Section 4.1, the
Executive will not Compete with the Company for a period of two (2) years from the date of
such termination. In the event of a termination after a Change in Control that gives rise
to payments to Executive under Section 4.2, the Executive will not Compete with the
Company for one (1) year from the date of termination. In the event of a Voluntary
Termination in which the Executive only receives payment as defined under Section 4.3, or
which follows a Company non–extension notice under Section 1.1, there will be no
restriction on the Executive’s right to Compete with the Company after the date his
employment terminates. For the purposes of this Section 5.4, the term “Compete with
the Company” means action by the Executive, direct or indirect, either as an officer,
director, stockholder, owner, partner, employee or in any other capacity, resulting in the
Executive having any legal or equitable ownership or other financial or non–financial
interest in or employment with, any HMO, managed care or health insurance business within
a fifty mile radius of any location where the Company or any subsidiary or affiliate of
the Company conducts such business at the date of a termination of the Executive’s
employment; provided, however, that the term “Compete with the Company” shall
not include ownership (without any more extensive relationship) of a less than a five
percent (5%) interest in any publicly–held corporation or other business entity. The
Executive acknowledges that the covenants contained herein are reasonable as to geographic
and temporal scope. The Executive acknowledges that his breach or threatened or attempted
breach of any provision of Section 5.4 may cause irreparable harm to the Company not
compensable in monetary damages and that the Company may be entitled, in addition to all
other applicable remedies, to a temporary and permanent injunction and a decree for
specific performance of the terms of Section 5.4. 

     6. INDEMNIFICATION OF EXECUTIVE 

            6.1 The Company shall indemnify the
Executive and shall reimburse the Executive’s expenses under the circumstances
described, and to the maximum extent provided under the mandatory and the permissive
indemnification and expense reimbursement provisions of Delaware law. The provisions of
this Section 6.1 shall continue in full force and effect after Executive ceases to serve
as an officer, director, employee or in any other capacity with the Company or any of its
affiliates, and shall inure to the benefit of his heirs, executors or administrators. 

     7. MISCELLANEOUS 

            7.1 This Agreement contains the
entire understanding between the Company and the Executive with respect to the subject
matter and supersedes any prior employment or severance agreements between the Company and
its affiliates, and the Executive. 

            7.2 This Agreement may not be
modified or amended except in writing signed by the parties. No term or condition of this
Employment Agreement will be deemed to have been waived except in writing by the party
charged with waiver. A waiver shall operate only as to a specific term or condition waived
and will not constitute a waiver for the future or act on anything other than that which
is specifically waived. 

            7.3 Should any part of this Agreement
be declared invalid for any reason, such invalidity shall not affect the validity of any
remaining portion hereof and such remaining portion shall continue in full force and
effect as if this Employment Agreement had been originally executed without including the
invalid part. Should any covenant of this Employment Agreement be unenforceable because of
its geographic scope or term, its geographic scope or term shall be modified to such
extent as may be necessary to render such covenant enforceable. 

            7.4 Titles and captions in no way
define, limit, extend or describe the scope of this Agreement nor the intent of any
provision thereof. 

            7.5 This Agreement may be executed in
any number of counterparts, each of which shall be deemed an original, but all of which
together shall constitute one and the same instrument. 

            7.6 This Employment Agreement has
been executed and delivered in the State of Maryland and its validity, interpretation,
performance and enforcement shall be governed by the laws of that state. Any dispute among
the parties hereto shall be settled by arbitration in Bethesda, Maryland, in accordance
with the rules then obtaining of the American Arbitration Association and judgment upon
the award rendered may be entered in any court having jurisdiction thereof. All provisions
hereof are for the protection and are intended to be for the benefit of the parties hereto
and enforceable directly by the binding upon each party. Each party hereto agrees that the
remedy at law of the other for any actual or threatened breach of this Employment
Agreement would be inadequate and that the other party shall be entitled to specific
performance hereof or injunctive relief or both, by temporary or permanent injunction or
such other appropriate judicial remedy, writ or orders as may be decided by a court of
competent jurisdiction in addition to any damages which the complaining party may be
legally entitled to recover. 

            7.7 All notices, requests, consents
and other communications hereunder shall be in writing and shall be deemed to have been
made when delivered or mailed first–class postage prepaid by registered mail, return
receipt requested, or when delivered if by hand, overnight delivery service or confirmed
facsimile transmission to the following: 

          		    (i)       
               If to the Company, at 6705 Rockledge Drive, Suite 900, Bethesda, Maryland,
               20817, Attention: Chairman of the Compensation Committee, or at such other
               address as may have been furnished to the Executive by the Company in writing;
               or 

               

          		    (ii)       
               If to the Executive, at 6705 Rockledge Drive, Suite 900, Bethesda, Maryland,
               20817 or ______________________________________________________ or such other
               address as may have been furnished to the Company by the Executive in writing. 

               

            7.8 This Employment Agreement shall be binding on the parties' successors, heirs and assigns.

        IN
WITNESS WHEREOF, the undersigned have executed this Employment Agreement as of the date
first above written. 

          	 COVENTRY HEALTH CARE, INC.	 EXECUTIVE:

	By:  /s/ John H. Austin   	/s/ Dale B. Wolf   

	       John H. Austin, Chairman	Dale B. Wolf, CFO

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