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  1. Thanks
    Malloy reacted to yxxyun in Foxlet, a desktop wallet developed by ripplefox   
    new version released,  now support AccountDelete.
  2. Thanks
    Malloy reacted to yxxyun in Foxlet, a desktop wallet developed by ripplefox   
    new version released.
  3. Like
    Malloy reacted to Stedas in What is XRP Address and Destination Tag?   
    The Anatomy of XRP address
    What is XRP address (account)? When and how to use a destination tag?  
    View infographic here: www.stedas.hr/anatomy-of-xrp-address.html
    Accounts in the XRP Ledger are identified by an address in the XRP Ledger's format: 25-35 characters, starting with an "r", case-sensitive, for example:
    XRP address: rXieaAC3nevTKgVu2SYoShjTCS2Tfczqx
    Destination Tag: 153214622
    When and how to use Destination Tag?
    Use Destination Tag when sending to exchanges or 3rd party app (i.e. Binance, Coinbase, XRP Tip Bot, Wirex).
    You don't need to use Destination Tag when sending to your own on ledger account or hardware wallet (XUMM, Ledger Nano, etc.). If required just enter “0” (zero). 
    Institutions who send and receive value on behalf of many users use Destination Tags to distinguish payments from and to their customers while only using one (or a handful) of accounts. E.g. exchanges require a destination tag because they have one XRP address and many users.
    View infographic here:

  4. Like
    Malloy reacted to yxxyun in Foxlet, a desktop wallet developed by ripplefox   
    Foxlet, a desktop wallet developed by ripplefox, compatible with ripple-client-desktop wallet file, support DEX and federation protocol. 
    src: https://github.com/ripplefox/ripplewallet/
    download link: https://github.com/ripplefox/ripplewallet/releases
  5. Haha
    Malloy reacted to Trisky in xpool apparently did exist.   
    I didn't say that you are and you're narrative of never being able to sell above bought price remains to be seen. A what if situation. 
    This was the issue being discussed btw to stay on topic:
    Until XRP is used in a lot more cross border corridors with higher prices and bigger settlements we as investors will be seen as fools in the eyes of the many. If XRP will be used the way intended, we will be seen as geniuses by those same people. If used in more ways well let's not go there for a moment . If one of those last options becomes reality, any price paid for XRP until now would be very nice indeed. The other side you've already considered, am I right?
    The first thing I heard back in the day about this space was; being you're own bank . Most people don't even know what money actually is and deserve expensive banks and governments for that reason alone. They will learn soon though. 
    What I think is not very relevant to be honest and the question self explanatory. But I observe a question more in line with day trading. I think you should spend more time on trading forum/websites if that's you're focus because this was, is and will be a long ride.
    But lets say you bought XRP during the rally, misguided by a Youtuber or whatever 'fool' making money of being a XRP fanboi (good for them) at $ 2,70. You have bought it yourself, investigated the use case, value and so on. You came to the conclusion this was a sound investment at that moment, why would it be any different for you at current date? Because the price went down? Because there is no adoption of the technology? Because daily volumes are getting lower?
    You bought during a hype, this is true. You lost value, true as well. You also lost confidence perhaps and you're emotional about this investment I can imagine. Negative behavior follows as a result of all that. And now it looks good to such a person becomes to warn an early investor like yourself to not invest and take risks because you made foolish mistakes while the industry is still nascent? Sorry getting confused here.
    A lot of things went wrong here in this case, mistakes a green investor will make for sure. I made mistakes as well and will be making many more, fool I was and will be. Being impatient is the most heard one. You learn from you're mistakes. For example, there was an opportunity to buy at 11c to lower you're average price per XRP, even sell directly at 18c if you are negative about the space and almost doubled that money at least waiting for the price to come down again. Or just to play around. 
    It seems you're confused about what you are doing and how to proceed. If you don't understand the principles of investing and are not able to adapt and learn, I can recommend to take your loses and go work for a boss.
    Let's keep it simple folks and I have seen all the fanbois and so on already in 2017.
    Whining about it to others who did a slightly better job is highly annoying. TAKE RESPONSIBILITY FOR YOUR ACTIONS!
  6. Thanks
    Malloy reacted to mDuo13 in Introducing XRP Ledger v1.5.0   
    XRP Ledger core server, rippled, v1.5.0 has been released!
    You can read the full v1.5.0 Release Announcement on the XRPL Blog.
    Also, we've published a whole bunch of changes to the documentation on xrpl.org, including:
    Known Amendments has the new protocol amendments listed and statuses updated: https://xrpl.org/known-amendments.html New fields in the response to the submit method: https://xrpl.org/submit.html#response-format server_info method updated with more recent examples and updated time fields: https://xrpl.org/server_info.html New manifest method: https://xrpl.org/manifest.html New validator_info method: https://xrpl.org/validator_info.html New fields in tx method providing for more robust Not Found errors: https://xrpl.org/tx.html#not-found-response Updated account_channels method to reflect bug fixes: https://xrpl.org/account_channels.html Instructions on how to enable the new gRPC API on your rippled server: https://xrpl.org/configure-grpc.html New warnings in API responses if your server is, or is about to be, amendment blocked: https://xrpl.org/response-formatting.html#api-warnings Request Formatting updated with better formatting and new API Versioning information: https://xrpl.org/request-formatting.html Other very minor cleanup and corrections Let me know if you have any questions or comments, and enjoy the new version!
  7. Like
    Malloy got a reaction from Cesar1810 in Unlimited Fiat vs Limited Crypto   
    With the current pandemic pretty much every country is "printing" fiat like there's no tomorrow (that might be true)...
    So bear with me and please comment because my head is spinning
    Basic economics
    If I sell apples and oranges for 1$ a piece and suddenly for whatever reason I decide to "dump" my apples 2 for 1$ my oranges are now worth twice as much as I can "trade" 1 orange for 2 apples
    Now apply this to crypto
    If XRP is worth 0.20 USD and the US gov. prints Trillions more USD (let say they double what is currently in circulation) is my XRP worth now 0.40 USD in theory?

  8. Like
    Malloy reacted to PunishmentOfLuxury in Unlimited Fiat vs Limited Crypto   
    The dollar is in a unique position because it's the global reserve currency. Entities outside of the USA need dollars to pay for stuff and to service dollar-denominated debt, which bids up the price of dollars against other currencies. There are really two dollar markets, the one internal to the USA and the eurodollar one outside.
    I found this video quite enlightening (no mention of XRP, though): 
  9. Like
    Malloy reacted to cmbartley in Unlimited Fiat vs Limited Crypto   
    Depends on which currency is being printed. The US dollar is the global unit of account. For the time being, there will be continued demand for the dollar to act as a counter against runaway inflation. Now, if you're printing trillions of Zimbabwean dollars, that's a whole other story.
  10. Like
    Malloy reacted to tulo in Unlimited Fiat vs Limited Crypto   
    What will happen is that XRP will (in the short term) be worth again 0.2 USD, but with that USD amount you'll be able to buy less things.
    So if there is an intrinsic value in XRP, the market will probably slowly move to XRP being worth 0.4 USD. If there is not an intrinsic value, none knows since the speculation wins.
    OT: printing FIAT the best way to keep your a$$ safe in the short term and kill the economy in the long run. History already showed that.
  11. Haha
    Malloy reacted to mandelbaum in Unlimited Fiat vs Limited Crypto   
    Basically, in a few months we will all be paying for stuff with leafs of toilet paper and wipe our behinds with dollars because the leafs will be worth more.
  12. Like
    Malloy reacted to KarmaCoverage in Unlimited Fiat vs Limited Crypto   
    @Malloy the crux of your idea is correct. same idea as printing more shares of a company, each new share represents/gives rights to a diminishing percentage of the total balance sheet.
    @Skippy is also right, the core idea, in currency terms is called inflation, aka "monetizing the expense", which is effectively a progressive tax on the owners of the existing money supply.
  13. Like
    Malloy reacted to VanGogh in Preallocation, debt and voluntary confiscation   
    When you originally posted this I found it very informative. I find it even more relevant now. I wonder if you would be willing to follow up given todays current events, noting especially that in the US pending (it may be enacted by now) legislation will create the digital dollar and corresponding digital wallets?
  14. Like
    Malloy reacted to jag216 in Preallocation, debt and voluntary confiscation   
    I've seen a number of youtube personalities discuss the idea of the XRP escrow being preallocated for use by global central banks as collateral for the issuance of digital fiat currency and effectively creating a montary value 'reset.' I've gone on their streams and tried to indicate a number of issues that rise with the use of digital assets as collateral, but I do think excitement has taken over the space and folks are just not taking the time to see this through.
    Somewhere back in the past, I wrote comments about how I thought companies like OMNI were really important for the XRP ecosystem, because they were providing redeemable contracts on the XRP ledger attached to tangible assets.
    When you establish a contract whereby an asset becomes redeemable in XRP - for example, by making a deposit for a leased object redeemable in XRP, or issuing a loan that is payable in XRP - you are increasing the market value of XRP by the amount of the redeemable asset. This is one of the thing that make open and free exchange markets so valuable to fiat economics - there are tangible assets, services, contracts, etc. that are redeemable.
    Take a 5 USD silver note - that was redeemable to the bearer, at one time, for $5 worth of silver. Asset-backed currencies have value because their notes are redeemable memos that can be settled for real assets.
    Now consider the role that crypto lending in CDP or collateral debt positions play in transforming the landscape. When you have a mortgage on the book in your name that is secured by the home you have possession of, there are limitations to what you can do with that home. A home with liens against it is taken out of the inventory pool. It no longer contributes to the available assets that can be redeemed with fiat currency. In many ways, a cap on tangible productive assets (and people) introduces a cap to the aggregate value of the fiat currency of a country. No assets to trade = no monetary value. Money is worth nothing when there is nothing left to buy.
    This is a significant issue for the digital asset space, because you have the transformation of asset classes into representative units of exchange (securitize assets, tokenized assets) that produce lien-like impositions on the underlying asset, and representative debt position that use digital assets as collateral (CDPs). And you will very soon have cascading combinations of both.
    One day, you will have the ability to take Apple stock in your portfolio tokenized, and you will be able to draw digital asset credit lines based on the deposit of those tokens in your digital wallet. As the tokenization economy expands, more and more conventional stocks will be encumbered, translating the stock exchange mechanism from one of stock trading to one of securitized token trading. It will not be possible, one day, to own actual stock. It will only be possible to own and trade representative tokens of a given stock on various platforms. The impact this will have on the price during the shift will be volatile and then normal as volume shifts markets.
    Today, you can deposit your tokens with a company like Nexo, get a credit line advance and spend it. This is non-taxable - its secured credit. But this also takes those assets out of circulation - staked tokens that have liens against them are off the exchanges, so far as I can tell. I have asked a question on Quora and requested David to respond regarding hte potential of rehypothecation of assets on the ledger.
    For those who are unfamiliar with the practice, and how it contributed to the housing bubble and the inevitable collapse of the hyperinflated price bubble - the best way to think about it is like this: blockchain has many features that prevent the double-spend problem from occurring. Rehypothecation of collateral assets is a form of intentional double-spend - where the same underlying collateral asset is treated as if it is owned by two different parties (or more) at the same time. Max Keiser has done videos discussing how rehypothecation has been used between physical delivery and metals and paper metals contracts to manipulate the price of precious metals.
    So assuming that blockchain ledgers, as a feature, make rehypothecation impossible - this single feature alone makes digital currency one of the most powerful asset classes in history - if ownership cannot be subverted and the books built on it can be made that much more sound, it is an absolute game changer and you can bet that banks are doing whatever they can to allocate and build their positions in it, even if they are dormant and waiting on regulation to actually put those assets into motion. They are buying the fields but waiting for zoning clearance to build houses.
    What to do in the meantime? These banks are incentivized to keep prices low and sideways, particularly after a protracted bear market where investors have hyped in and are now overleveraged. Companies like Nexo (not saying they will do this) will be very clear about how safe their custody solutions are, and how large financial powerhouses like Lloyd's of London will back their deposits. People will read articles about how they can use a fusion of dollar cost average in bear phases and collateral debt reinvesting during bull phases to grow their stacks without adding more capital in changing market conditions.
    But consider the impact this ever-increasing CDP market will have on scarcity of inventory, and the inflated pricing effects this creates for deflationary digital assets. More and more liens against digital assets that are not available for rehypothecation and are effectively digitally segregated from corporate funds are locked away from retail markets. Sure, the debt contracts can be traded - and you know this is going to be a new source of banking revenue. But if digital assets are not subject to the same dubious supply issues as precious metals, price increases are inevitable.
    This is the first wave of the slow bull drive, but it is not the real issue.
    In times of crises, we have already seen that the transition from asset-backed currency to others results in the confiscation of real assets when times get tough. Owning gold can be made illegal illegal. You can be asked to forcible sell your ounces of gold and silver for face value prices, only to watch the values of metals skyrocket once they are in government possession. History has taught this lesson, are cryptocurrency investors paying attention?
    Mark my words, as more financial institutions get involved in the business of operating digital asset holding accounts backed by the FDIC we will see unusual shortages, hacks and losses that will amount to voluntary digital asset confiscation. Sorry, your assets are in another castle! ~the FDIC.
    If I enter into agreement with Nexo by depositing my funds that the collateral assets I yield for consideration are protected to market value by Lloyd's of London, make no mistake that in the event of a fiscal crisis or pending shift in economic situations I will not be able to withdraw my digital asset, but will instead be bought out at market price by Lloyd's - who will then own my digital asset and I have cash.
    I'm not picking on Nexo - I use them a little bit. I may use them more when I wish to cash out without cashing out. I think the service that they and Binance and others will offer is a valuable service. But I keep the big bags away from these services. Because there will be a voluntary confiscation event where you will have your digital asset deposits cashed out because the terms allow for it. Folks will go to their account one day and see the cash equivalent of all of their crypto assets in their account. This may be caused by a manipulated price event that allows these financial institutions to liquidate your positions to pay off outstanding debt. It may be a "massive security event" that forces insurance to buy out your positions. PR folks are creative. Terms of service that include bail-in clauses are not the only tripwire to watch out for for investors right now in finance.
    But to go back, there does not need to be a preallocation event for this to occur - it is already starting now. Go look at nexo's growth numbers, just as an example because they seem to be playing a leading role in the hype behind crypto loans. It would only take a few major household name banks to start offering remarkable credit lines and paying out on crypto loan investments to pull many of these assets off the market while stablecoins are floating around. The volume of encumbered assets of just a few major financial institutions would be enough to significantly increase the scarcity of inventory for most of the top ten assets - and who knows how far down the chain this value would trickle as the top ten coins grow out of reach.
    The idea that XRP - the escrow - of 55 billion XRP is preallocated to banks and slowly being released to prevent scarcity from spiking is an interesting one, but seems both unrealistic and unnecessary. It would drastically cut the supply of available inventory for trade and ledger functionality - and that is likely going to happen anyway as crypto loans take off and fill the economic role that housing did in the 2003-2007 era. It's not xrapid that is going to explode the price - its the lockup of digital assets in loans. Loans people are taking out now because they needed that seed capital - or someo f it - or they just don't want to sell and deal with taxable events. Etc. Etc.
    Eventually there will be a time when the underlying digital assets we are able to buy today will simply not be available for purchase - only their derivative products. It's going to be a totally remade financial landscape. And if digital assets do become part of a collateral plan to convert to digital currency, hold on to your butts and resist every temptation/trick to sell until you are absolutely ready to let your assets go - I definitely assume that any crypto I put up for loan collateral - even if I have no outstanding credit lines - will eventually be converted to fiat without my consent before this is all over. But those cold storage hodl bags... not your keys, not your crypto.
  15. Like
    Malloy reacted to Trisky in Japanese: China May Foreshadow Digital Currency Breakthrough   
    This article I wanted to share with you because of the world economic implications of of blockchain. It is believed to start right there in Asia the new world economical playing ground and ripple over the rest of the world. Japan backed by the US looks like a step behind from what is known at this time.
    All the media is covering corona and underline the usefulness of digital money as physical money could be contagious. A narrative pushed by the main stream and agenda's circulating on the web suggest the political and commercial world is preparing for this new world. And competition enough.
    These national currency will not be trusted by the world per se and need transportation. Japan being pushed by China and behind with their own digital Yen could push them to (temporarily) use another crypto until ready while the main rails are build for cross border payments. Maybe an opportunity knowing the market share of SBI. Wishful thinking I know, I am not a cheerleader. Being pushed towards digital however is the world we are living in imho and difficult to escape from. So I observe and share .
    I have seen a lot of information and story's about possibilities and opportunities but what I miss is the part that a liquid economy will be very very different from what we have known in most cases. The acceleration of moving money around the world will be very extensive. The money that will be freed and comes available because transaction times are reduced significantly will in my humble opinion make the recent innovations look like kids toys and will create a whole new level of (financial) markets. 
    These times are remarkable. Seeing the birth of the net with new eyes sort of.
    On the other side, SBI have been flirting with BTC or BCH not sure any more but XRP is one of their favorite cryptos and could play a big part in this story of winning this important first race. An advantage that can be crucial for many years to come.
    I can't dig into SBI much more because of the lack of translations and my understanding of those markets and legal system. Please feel free to add to this information and I am wondering what new markets can be created because of this possible new flow of money as well? 'The same money' changing hands many more times a day an will be more frequently invested because it will become dormant faster in comparison to the 'old' world. Every valuable item can or will also become part of this digital market as it already partly is in a centralized way for some. Now ownership's will shift in the time of buying a croissant freeing up investment money would be a logical conclusion. Besides the already freed nostro trillions.
    What happens behind the scenes nobody knows besides some insiders. Maybe the time has come for XRP to really take of I am not sure but with the new Ethereum roadmap for the coming 5-10 years by Vitaly and BTC still under performing something else is maybe needed and can be used already? 
    Meanwhile Ripple China
  16. Like
    Malloy reacted to Truckdriver in David Schwartz Latest Video   
  17. Thanks
    Malloy reacted to Skippy in Ripple Drop 19, David Schwartz On XRP Ledger   
    "XRP focused episode"
    Watch the extended version of Ripple Drop 19 with Ripple CTO, David Schwartz looking back on the origins of the XRP Ledger - and also looking forward to proposed changes: core consensus improvements and other new features that might allow for stable coins or other assets pegged to an external value.
    Breanne Madigan, Ripple VP of institutional markets discusses attributes of healthy liquidity - the process of being able to easily trade in and out of a particular asset. She also shares how RippleNet's On-demand Liquidity (ODL) using XRP as a bridge asset has improved how people send and receive money between Mexico and the United States.
    Finally, we hear from Aaron Voisine, President and Co-founder of BRD Wallet - an electronic wallet app for mobile devices. BRD has recently added wallet support for XRP. One unique feature is that BRD's Bitcoin Wallet connects directly to the Bitcoin peer-to-peer network, which helps ensure that users are able to access their funds directly.
    Using blockchain technology, RippleNet provides to financial institutions the technology infrastructure and network connections to provide remitters around the world with a faster, easier and more reliable way of sending money internationally.
  18. Thanks
    Malloy reacted to mDuo13 in The Jed Attack   
    Since there seems to be some slight confusion about it in this thread, I'd like to clarify some bits about transaction costs burned.
    First, Stellar's fees work differently from the XRP Ledger's transaction costs. A couple years back Stellar implemented an "auction" system so that the XLM actually destroyed when transactions are processed is up to the amount those transactions specify. This saves people money but means you can't intentionally destroy XLM by setting a large fee. Because of this, when the Stellar Foundation burned their large amount of XLM, they did it by blackholing. The XRP Ledger, at a protocol level, always uses a fixed cost mechanism: every transaction destroys exactly the amount of XRP written into the signed transaction instructions ("Fee" field), or the network rejects it¹. If you explicitly specify a transaction cost, you can be assured that if the transaction gets shared to the network, it will destroy that exact amount of XRP.
    ¹ The only exception to the rule that a transaction pays its exact cost is for a specific edge case. It's theoretically a transaction gets distributed throughout the network and achieves majority support in consensus because the sender had enough XRP to pay the cost at the time, but due to other transactions being in flux, the sender ends up with less XRP than the transaction's cost at the time the transaction would be executed. In this specific case, the transaction fails but is included in the ledger with the code tecINSUFF_FEE, and instead of destroying the full transaction cost amount it destroys as much as it can (resulting in the sender having a balance of precisely 0 XRP).
    However, many transaction-signing utilities, including ripple-lib, allow you to omit the "Fee" field. In this case, the transaction signing utility chooses a "Fee" value for you and writes it into the transaction instructions before signing them. Typically this means the utility asks an XRP Ledger server what cost it needs to send the transaction right away. There are ways this can go wrong—if the cost to get a transaction is temporarily elevated due to a passing spike in activity on the specific XRP Ledger server you asked, you can end up destroying much, much more XRP than is reasonable. Of course, it's also possible to "fat-finger" and put more zeroes than you meant when specifying the transaction cost explicitly.
    Both rippled and ripple-lib have precautions against specifying too high a fee. However, ripple-lib did not enforce maximum transaction cost by default until version 1.0.0 added a new global setting "maxFeeXRP". With the new global maximum, ripple-lib flat-out refuses to sign a transaction if the transaction cost is too high. (You can get around it by explicitly specifying a bigger maxFeeXRP setting when you instantiate the API.) I believe that is the "max fee" that @SquaryBone is referring to:
    However, there are still ways to sign a valid transaction with as big of a "Fee" value as you want. If you have that much XRP and you submit that transaction to the network, you can burn precisely as much of your XRP as you want.
    This last bit is a personal note: I don't recommend burning XRP.
  19. Like
    Malloy reacted to kanaas in The Jed Attack   
    He wanted Ripple to go bust, but now he's doomed himself and ripple has to help him "selling the grown up way".... Once a child, always a child ....
  20. Like
    Malloy got a reaction from DannyRipple in Are you just holding (and waiting) or are you also actively taking advantage of XRP?   
    XRP has completely changed the way we trade and do business...and it just started...faster and more efficient route or coming
    - convert almost any fiat/crypto to XRP is fast accessible and at a very to almost no fee
    - convert XRP to fiat is the same
    - withdraw fiat to bank is just a few days or less almost everywhere with minimal fees and same day for OTC with even better fees for large amount
    No one I know could have ever done that before...for such a small price...with such speed...
    Just transferring fiat to fiat to a different country was a pain....took sometimes weeks...cost a lot more....and could be stopped any time for any reason especially if it's large amount...add conversion price that was always a few % ripoff...etc...
    It was just impossible to do any kind of business then without taking bank fees into account...time delay... and just loosing a chunk of your profit to "banks"
  21. Like
    Malloy reacted to kain in Are you just holding (and waiting) or are you also actively taking advantage of XRP?   
    No we are not market-makers or something like that. To be more specific, we're friends interested in history, genealogy and numismatics, so we exchange our collectibles or assist collecting new coins, banknotes etc. And we pay each other via XRP.
    And once in a while I also process geographic data for my friend currently living in Canada. It is mainly routine manual work (digitizing maps and georeferencing raster data using QGIS/GRASS) at fixed hourly rate he pays via XRP.
    It is not a big business - but that is exactly why I still find it amazing you can send small amount say $30 and it is delivered in seconds, for negligible fees and you can convert to EUR immediately.
    I just wonder whether there are also other people using XRP in similar way.
  22. Like
    Malloy reacted to kain in Are you just holding (and waiting) or are you also actively taking advantage of XRP?   
    I have successfully sent and received money several times between EU, CAD and US via XRP. Yes, me and my partners, everyone has his own exchange account (Coinfield, Biststamp, Kraken) so these were "raw transfers" - no financial service providers, no insurance etc. But we all trust each other and we're willing to accept the risks, eg. XRP address incorrectly entered - and these mistakes we try to avoid by sending initial small amount of XRP, rest is always submitted after receiver's confirmation.
    Based on this experience I can honestly say there is no easier, cheaper and faster crossborder money transfer service - especially regarding small amounts.
    In the XRP context we often hear about utility... What about you, are you just holding and waiting for regulation clarity and adoption by banks? Or have you already had the opportunity to utilize XRP for yourself or for your business?
  23. Like
    Malloy reacted to LeonidasH in XRPL reaches new level of decentralization + amendments   
  24. Like
    Malloy reacted to JBW in Binance.US Calls XRP 'Future of Banking Remittance Services', Uses Hashtag '#XRPTheStandard'   
    I like this.
  25. Like
    Malloy got a reaction from thekiyote in Settlement of Jed's XRP   
    It's personal...you had to be there where he was kicked out of Ripple and posting all his "I'm a cool guy so I'm gonna tell you that I'll dump Billions of XRP next week so you can start selling all yours now"...and the price flash crashed to record low....
    He's obsessed with Ripple going bankrupt and XRP to 0$...that's it that's all...find David's quote on this...something like "the only guy (Jed) who does everything in his power to not be a billionaire but still will be"
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