Colorado HVAC Businesses For Sale

12 Yr Old HVAC. Comm & Res with Supply Co. PRICED TO SELL!!95K PRICE DROP, Recurring Customers, Great Technicians
$480,000 Cash Flow: $200,000 Seller Financing
12 Yr Old HVAC. Comm & Res with Supply Co. PRICED TO SELL!!95K PRICE DROP, Recurring Customers, Great Technicians

Dillon, CO

BIG PRICE DROP to $445K from $540K which was originally $700K, plus 75% of his cost of inventory which is 50K for the HVAC Co($35K on top of the $445K for everything). That is a 95K price drop. This is less than 2 1/4 times the 2017 earnings and less than 2 times the 2 year time weighted earnings. He will help in transition for up to 4 months and will consider working or consulting longer term if a new owner wants his help. He believes this business can get back to the $3.5M in revenues it did before the down turn with a new owners energy and his model. He will also sell the parts supply company which is now profitable for 75% of his actual cost to inventory. The HVAC Supply Company’s inventory is $90K. It is generating $400 a day on average in new sales, and helps him to get a great cost of supplies for the HVAC Co that he can’t get anywhere else. He will sell the Supply Company for $67,500. The supply house made $15,000 last year and is growing steadily. It also makes All American more profitable. He will lease or sell his building which has the HVAC Co on the main floor and the Supply Company on the 2nd floor. The sales price will be 295K. He bought it for 235K and has over 50K in upgrades to it. Bottom line is a buyer can buy the main business with its inventory and supply business for $547,500 now and lease the building or buy the building with both businesses for a total of $842,500. This is a great price for an established business with a history and model that has tremendous growth built into it. 12 Year Old Colorado Residential/Commercial HVAC Company 2017’s earnings were 200,058 for the HVAC Co not including a $15K profit for the Supply House on revenues of 1,064,392. The earnings for 2016 were 282,229 with revenues of 1.28M for the HVAC Co. He is working on the PL for the HVAC Supply Co but estimates it will add approximately 100K in revenue and 15K in profit to these numbers and is growing. He opened the Supply Company as separate parts counter business in January of 2016 to help control his parts cost for his main service business. The owner brought in a partner that was caught stealing back in 2011 and 2012. He had to go through the whole 2 ½ year court process and it affected him both financially and mentally. It resulted in him wanting to sell and to do something else. The business went from 3.5M in revenue in 2010 to bottoming out in 2012 at 982K because of this distraction. He is turning down some large projects because he needs working capital to grow the business again. The buyer will get approximately 250K in hard assets made up of almost 200K in equipment including 6 vehicles and another 50K in inventory for the HVAC business only(Not the Supply Co). The new supply/parts business will be sold separately at 75% of his cost of inventory. The company has a great reputation with a long-standing and recurring customer base. Technicians with strong technical and sales ability with sales processes in place. The company has a client generated online review process that drives a lot of referrals and recurring revenue. They also have a lot of yearly maintenance contracts which they charge customers 240 dollars per year for ongoing maintenance tune ups which also helps generate revenue all year long and helps keep the clients loyal. This is a business that needs an owner with the working capital to grow the business again. It has the employees, equipment, reputation, model, and customers. Location: Central Mountains of CO near a Major Resort Town ______________________________________________________________________________________ The seller is asking for 445K plus 75% of his cost of inventory which is currently estimated to be $50K($35K added to the price). This price is under 2 ¼ times the earnings. He will carry up to 20% of the sales price. He will be keeping his cash and accounts receivables and will pay off all debt including the accounts payables so that the business transfers debt free. It is an S Corp so this can be either a stock or an asset sale. ______________________________________________________________________________________ Brief Overview and Deal Points: Growth and Expansion: The company can grow by increasing advertising, increasing working capital, and by just taking more jobs. They turn down work because of working capital needs and the need for more employees. There are many ways a new owner can improve this business. The current owner has been tied up in court and to drained to grow the business over the last couple of years but loves the industry, his employees, and the company. He is excited to teach the new owner how to grow this business. The business can easily expand its coverage area with a better facility in the Silverthorne area. They turn down business in Vail and along the I 70 corridor between Vail and Silverthorne all the time. The company used to have 3 other separate divisions made up of plumbing, supplies, and construction and shut it all down when he found that he had to fight his partner in court. He said the demand is still there and it is up to the new owner how big they want to be. He peaked at 3.5M in revenues and said he was easily on his way to 5M when this happened. He believes that he can show a new owner how to expand both the services and territory to get back to 3.5MM or more within 3 years. The owner will sign a non-compete. He is willing to transition the business and can teach the new owner how to run the business and how to grow it. He will consider staying on also. Industry experience is recommended but not necessary. There are no master licenses required and he and his employees have the necessary certifications so the owner just pulls permits which he can teach the new owner how to do. Vendors also offer classes if the owner wants his own certifications. The business has very loyal and long term employees. There are 9 employees. The employees are all hourly which keeps fixed costs in line with revenues. The employees are trustworthy, competent, and reliable. Two years ago, he modernized the business by going paperless by providing every employee an IPad which has improved customer service, the tracking of previous work done for a customer, and billing. He treats his employees well because they are the best in their region. He trusts them to handle all aspects of a job including the sales, bidding, work, and customer service. His employees get a bonus for doing a good and profitable job and have stayed very loyal to the company though the turmoil He gave up their location in a major central CO resort town in July of 2014 and has found a new location in mid 2016 in a nearby town which is the biggest location at the best price that is near their main service area. Rent has always been part of their P & L and has been adjusted to the $1,600 per month he is paying himself now which he believes is an accurate market rate. The new location has the HVAC business downstairs and the HVAC supply co upstairs. The new location was necessary because they are back to 11 trucks and the combination of employee cars and that many trucks made it impossible to find a reasonably priced location closer to their main service area. This new location will make it easier to grow the business again. He will lease or sell the property to the buyer of the business. Keep in mind that it is inexpensive compared to the resort town that they service the most, most of his employees live in that area and they set up the trucks for the jobs every day at that location, and he is getting a steady increase in new business for the supply company because of that location. He recommends a 2nd location in Silverthorne/Dillon eventually to expand their market to grow the business even faster. They have a great reputation for safety, quality, and reliability. The seller will agree to full Reps and Warranties to a solid legal and business standing. They have a great record for safety (OSHA) as proven by their low workman’s comp MOD rate. They have had no regulatory issues, no lawsuits, and no issues with the city, county, or municipality that they are in. They are also A+ rated with the Better Business Bureau. The communities that this business services are very special with year round events, and activities. Plus, it is sunny almost all year round in Colorado and there are a lot of very interesting places close by including Denver which is less than an hour and a half away. Plus, Colorado is the best State in the country to own a business. Colorado is the "#1" fastest growing and strongest economies in the United States, per Money.MSN.com and Business Insider’s September of 2014 issue. This article ranks all 50 states by eight economic measures including GDP growth, housing prices, job creation and exports. Please Call of Email for Information: The broker is available at any time to discuss your interest in this offering and can set up a meeting either in person or by phone with the owner(s). Thank you for your interest. Thank you. Sincerely, Jeff Chapman Eisnaugle Company Broker Group, LLC. 303-905-7607 Direct 303-284-7025 Main 720-524-6482 Fax jce@companybroker.com This is prepared by Company Broker Group with information provided by the Seller. It was not created by the seller and neither the Broker or the Seller are responsible for its accuracy. Buyers are responsible for their own due diligence. Neither the Broker or the Seller will indemnify or guarantee any forward looking statements or projections. Different Brokerage relationships are available which include Seller agency, buyer agency, or transaction – brokerage. Brokerage disclosure to Buyer or Tenant of Property. Definition of working relationships. Seller's Agent: a seller's agent works solely on behalf of the seller to promote the interests of the seller with the utmost good faith, loyalty, and fidelity. The agent negotiates on behalf of and ask as an advocate for the seller. The seller's agent must disclose to potential buyers all adverse material facts actually known by the seller's agent about the business/property. A separate written listing agreement is required which sets forth the duties and obligations of the broker and the seller. Buyer’s Agent: a buyer’s agent works solely on behalf of the buyer to promote the interests of the buyer with the utmost good faith, loyalty and fidelity. The agent negotiates on behalf of an accident advocate for the buyer. The buyer’s agent must disclose to all potential sellers all adverse material facts actually known by the buyer’s agent, including the buyer’s financial ability to perform the terms of the transaction. A separate written by a Buyer agreement is required which sets forth the duties and obligations of the broker and the buyer. Transaction broker: the transaction broker assist the buyer or seller or both throughout a real estate transaction by performing terms of any written or oral agreement, fully informing the parties, presenting all offers and assisting parties with any contracts, including the closing of the transaction, without being an agent or advocate for any of the parties. A transaction-broker must use reasonable skill and care and the performance of any oral or written agreement, and must make the same disclosures as agents about all adverse material facts actually known by the transaction – broker concerning the property or a buyer's financial ability to perform the terms of a transaction and whether the buyer intends to occupy the property. No written agreement is required. Company Broker Group, LLC, and Jeff Chapman Eisnaugle will be operating solely as a “Seller Agent” in all transactions.

Local Air Conditioning and Heating, HVAC Company For SaleLong Standing, Family Owned HVAC Company Ready For Acquisition!
$225,000 Cash Flow: $52,901
Local Air Conditioning and Heating, HVAC Company For SaleLong Standing, Family Owned HVAC Company Ready For Acquisition!

Denver, CO

This is a long standing family owned and operated heating and air conditioning business for sale. They are proud to be celebrating more than 20 years of excellent customer service across the Denver Metro area. The business started with commercial construction and moved into all areas of installation and service in the HVAC industry. The business has grown through word of mouth and customer referrals. They pride themselves on having active relationships with their customers, employees and the community. The owner started the business during the construction industry boom in the Denver market. The team was part of designing, installing and servicing HVAC equipment in buildings across the Denver area. Each year they expanded and eventually moved into the residential part of the business. Today the majority of their work is in residential. This would be a great addition to an existing HVAC company with the strong community ties. Or would be great to step in to and take the company to the next level. Listing price: $175,000.00 2016 Gross Revenue: $316,000.00

Well-Established Heating & Air Conditioning CompanyWell-Established Heating & Air Conditioning Company
$1,499,000 Cash Flow: $578,613
Well-Established Heating & Air Conditioning CompanyWell-Established Heating & Air Conditioning Company

CO

This heating, and air conditioning company provides a services and products to residential and commercial customers. Started over 20 years ago, their outstanding reputation and customer reviews result in repeat and referral customers. Their technicians are well trained, experienced professionals. They provide maintenance, repair and installations primarily to residential customers. Although they have a growing commercial presence. Although there are some marketing strategies in place, additional growth opportunity is available. Real estate is available for purchase or lease. This well-run business is an excellent opportunity for a qualified purchaser who is looking for an opportunity in this industry or seeking to expand geographically. SBA financing available for a qualified purchaser.

Established Residential Heating & Air Conditioning BusinessGreat Opportunity to start or add to an HVAC business!!
$349,000 Cash Flow: $150,000
Established Residential Heating & Air Conditioning BusinessGreat Opportunity to start or add to an HVAC business!!

Colorado Springs, CO

Lerum Heating LLC is a profitable steady cash flow family owned residential HVAC business that has been providing its services in El Paso and Teller counties since February 2, 2003. The business is licensed, insured and holds an A+ rating with the Better Business Bureau and Angies List. The business has been nurtured from its inception and has been a labor of love for its two owners, Erik and Raylene Lerum. It is with sadness that due to personal issues, its owners will be selling the business and leaving the area permanently. The following items are being offered for sale as part of the existing business: 1. The business entity, including the business name, logos, phone numbers, and website, www.lerumheating.com; 2. All books & records maintained electronically by Lerum Heating LLC, containing all customer lists, customer contact information and prior client history with the business; 3. All accounts receivable earned by the business on or before the sales closing date; 4. All business good will, including pending proposals made prior to the sales closing date, the latter estimated by be valued at approximately $150,000; 5. All tools, office supplies and inventory owned by the business on the sales closing date, estimated to be valued at approximately $5,000; 6. All paid advertising existing on the sales closing date, including any Mexico vacation packages remaining on sales closing date. As of the date of this proposal, six such packages remain. This category will include all company promotional material displaying the Lerum Heating LLC logo or any other company information, including t-shirts and business cards etc: 7. Reasonable assistance by the business owners for up to six months after the sales closing date via email, phone and/or video conference, as requested by the buyer. Excluded from the sale will be the following: 1. Company tax records; 2. Real estate used in the current operation of the business, titled personally in the names of the business owners. It is noted that the business entity being sold owns no real estate. 3. Any vehicles used in the business; 4. The HVAC license issued personally to Erik Lerum.

HvacrHVACR, Commercial Restaurant Equipment Electrical, Plumbing
$600,000 Cash Flow: $486,000
HvacrHVACR, Commercial Restaurant Equipment Electrical, Plumbing

Weld County, CO

Company provides HVAC, refrigeration, commercial restaurant equipment, plumbing, and electrical sales to residential, commercial, and industrial accounts for the front range. Business specializes in installation, design, and repairs of most products in a restaurant, grocery store, industrial park business. Company has enough inventory to provide same day service and make customers equipment operate at a rate of nearly 90%. Specialized and bulk part orders provides significant savings and additional profit margins. Company's current overhead is extremely low and we lease shop from ourselves. New shop space would be recommended but not completely necessary as office can be run remotely and vans each have there own stock. Company owns a part share in a house in Cabo which is included in sale.

Recognized HVAC Company Netting $245,000Commercial – Residential – Repairs - Fabrication
$540,000 Cash Flow: $245,000 Seller Financing
Recognized HVAC Company Netting $245,000Commercial – Residential – Repairs - Fabrication

Denver County, CO

This is an outstanding opportunity to acquire an established HVAC company with a 30+ year history, repeat customers, references and tremendous growth potential. This company provides heating, air conditioning, ventilation and custom metal fabrication for small and medium size commercial buildings, tenant finish, office spaces, restaurants and retail centers. They also provide installation, maintenance and repairs for residential heating or cooling systems. This has been the contractor of choice on some of the most demanding commercial HVAC projects, including government contracts, hotels and well know retail chains. If you are looking for a clean company with experience, a sterling reputation for quality work and service and great cash flow, this opportunity is worth a look! Full prospectus available with a signed NDA.

Commercial HVAC, Plumbing, and Controls Contractor
Cash Flow: $318,000
Commercial HVAC, Plumbing, and Controls Contractor

CO

This Company is an HVAC, plumbing, and controls contractor for commercial customers. The Company's revenue sources are mechanical projects (68% of 2016 sales), service (16%), controls (8%), and plumbing (8%). The Company provides services throughout Colorado to commercial offices (30%), schools (25%), government (15%), healthcare (10%), and other commercial facilities (2%). The Company's 30+ staff are non-union and consist of key managers and employees. As of June 2017, billings have reached approximately $3.5 million.

Chimney Sweep & Masonry Company Serving 5-County Area NW of Denver
$315,000 Cash Flow: $120,000 Seller Financing
Chimney Sweep & Masonry Company Serving 5-County Area NW of Denver

CO

This diversified chimney sweep, service and masonry repair business is in a unique position to continue to grow rapidly. It has a long history of service (now, 32 years!) and relationships with many in the trade. The market it serves actually has more year-round demand than can now be handled by current companies. And, it’s still growing! Acquisition of this business would also be an ideal add-on for any general contractor. The company has literally hundreds of repeat customers in a wealthy 5-county “Front Range” area. Payment terms are so favorable that little working capital is needed. The company’s market includes both urban and rural areas in Boulder, Broomfield, Clear Creek, Gilpin, Jefferson, Larimer and Summit counties. There is a strong and direct relationship with a local area stove sales retailer that also fuels the company’s lead generation efforts and referrals. This company handles a variety of home repairs including chimney sweeping, masonry repair and restoration, wood and gas stove sales and installation, chimney and liner pipe sales, home inspection services for chimneys and roofs, minor roof repairs and sometimes additional handyman services while on a job. The firm operates two crews with one foreman/owner. The seller is now the experienced and certified chimney sweep for the company and acts as the crew foreman for both crews. This is a hands-on business, not one for absentee investors. A new owner doesn’t need the chimney sweep certification, however, if they are willing to learn. We anticipate the need for a buyer to have approximately $90,000 cash available for a down payment and an additional $5,000 or so for working capital.

Profitable HVAC Business
$400,000 Cash Flow: $170,000
Profitable HVAC Business

Denver, CO

Profitable established HVAC sales and service business with three highly trained employees offers steady cash flow with tremendous growth potential with commercial clients.

Commercial HVAC, Plumbing, and Controls Contractor
Cash Flow: $400,000
Commercial HVAC, Plumbing, and Controls Contractor

CO

The Company is an HVAC, plumbing, and controls contractor for commercial customers. The Company’s revenue sources are mechanical projects (68% 2016 sales), service (16%), controls (8%), and plumbing (8%). The Company provides services throughout Colorado to commercial offices (30% of 2016 sales), schools (25%), government (15%), healthcare (10%), and other commercial facilities (20%). The Company’s 30+ staff are non-union and consist of key managers and employees. As of June 2017, billings have reached approximately $3.5 million. The Company is proud of its strong ties to clients and its reputation for quality work and client service. Evidence of these relationships is shown in the 95% rate of repeat business. No single customer accounted for more than 10% of revenue during the historical period. In addition to the principals’ extensive experience in the HVAC industry, many of the Company’s key employees and managers have long histories in the industry. This wealth of experience and expertise provides a significant intangible value and advantage over many competitors.

Highly Profitable HVAC Business in Growing Market #509
$585,000 Cash Flow: $294,009 Seller Financing
Highly Profitable HVAC Business in Growing Market #509

CO

OWNER FINANCING TO QUALIFIED BUYER WITH A SUBSTANTIAL DOWN PAYMENT!!! Profitable Company with an ROI of a 1.9. Inquire today!!! VERY PROFITABLE GROWING HVAC BUSINESS serving the front range in Colorado. This thriving very profitable, well- established business provides expert service, maintenance, design, and innovative HVAC systems. Their unique design has carved a profitable niche in both residential and commercial markets. With a hometown approach to personal service, they have developed a loyal client base. Currently, it is an owner operated business with 5 employees. The business has not reached its full potential because; the owner is satisfied with the current level of profit, and currently passing profitable work. A motivated entrepreneur has a great opportunity to take this exceptional business to the next level. 2016 sales 801,000.00 with cash flow to owner of 294.000.00 last 5-year average cash flow 260,000.00. Sales and profits for first six months for 2017 are up over 10% same period 2016. Owner will agree to a negotiated training period for new owner/manager on the company’s unique design and control implementation. The current system design has earned respect from numerous custom homeowners and builders in the Colorado market. Ask for portfolio #509

Heating & Air Conditioning Installation and Service
Cash Flow: $224,000
Heating & Air Conditioning Installation and Service

CO

This 20+ year-old Company is located in the beautiful Rocky Mountains. It specializes in designing, engineering, and installing complete comfort systems for homes and buildings. It has grown year-over-year since current ownership assumed control, expanded the services and employee base, and invested in business development. Service calls generate 20% of revenue and produce the vast majority of new system installations (80%). The Company has a reputation for high quality work and customer focus, serving 3,200 residential (95% of sales) and light commercial (5%) customer accounts throughout multiple communities in the Rocky Mountain region. A highly satisfied customer base results in a strong referral network and high level of repeat business.

Established business with consistent profits
Cash Flow: $341,426
Established business with consistent profits

Grand Junction, CO

This Business provides an excellent opportunity for a buyer to acquire an established, proven business that: 1) Has shown consistent and strong profitability and solid growth; 2) Is an industry leader with locally recognized quality standards; 3) Has a customer service oriented culture and quality of reputation in the marketplace to continue to grow and protect its market position. 4) Has excellent demographics providing outstanding growth prospects for the main business and the potential for geographical expansion. As well as market segments that are underdeveloped that have lots of potential. In turn, the buyers will own: 5) A well-managed business; 6) A very viable business with a substantial ROI, excellent margins, and great cash flow;

Outstanding Commercial & Residential HVAC
$1,300,000 Cash Flow: $493,686
Outstanding Commercial & Residential HVAC

CO

This 20 +year, well established business is a customer-focused heating and air-conditioning company that employs highly trained people whose goal is to make their company the best service company in their market area. The company specializes in designing, engineering, and installation of complete comfort systems for both individual homeowners and custom home builders. They offer service contracts for both commercial and residential customers as well. The company has experienced continuous upward trending revenues since the business was started. The business is located close to major thorough fares including the Interstate which makes easy access to projects and delivery of materials. They have an excellent lease that can be assumed or a new lease may be negotiated.

Johnny Berndt & Sons Heating - Rock Solid Business 50+ years
$649,000
Johnny Berndt & Sons Heating - Rock Solid Business 50+ years

Salida, CO

MLS #8661102 – Johnny Berndt & Sons Heating A household name in Chaffee County for over 50 years. Johnny Berndt & Sons Heating enjoys a rich history of outstanding service & quality, a consistent customer base & long established relationships. They specialize in the installation, repair & service of HVAC systems & also do custom metal work & heli-arc welding. Profitable, turn-key business with a rock solid foundation. PROPERTY AT A GLANCE 0.25 Acres 4512 SF Commercial Building Built in: 1966 Established for over 50 years Profitable, Turn-Key Business 2017 Taxes: $2,951

Plumbing Service - priced under 2 x Earnings
$275,000 Cash Flow: $170,000
Plumbing Service - priced under 2 x Earnings

Broomfield County, CO

This business enjoys great name recognition and strong referrals from clients and local jurisdictions. The Website and customized selling software are levels ahead of the competition. SEO (search engine optimization) puts this company on top of searches. The new owner can just focus on scheduling the business that is already coming in the door without having to invest in any marketing. Just show up on time and the job is yours - deliver good work and the referrals will continue to roll in. The business is housed in a comfortable office space with great signage with thousands of drive-by views daily. This is an ideal family business. A good manager can run this business from the office - a Plumber's license is not required to own this business. The billing rate is very high, so paying a top wage to a plumber will still generate high profits. The Seller is willing to stay for up to 6 months to train the buyer and will commit to hiring another plumber if desired. The website, software, phone numbers, email addresses, and a well-equipped truck are included. AR/AP/Cash is not included. Sellable inventory will be added to sale price.

Southwest Ohio Geo-thermal HVAC Specialist
$1,050,000 Cash Flow: $413,573
Southwest Ohio Geo-thermal HVAC Specialist

CO

The Company was founded in 1976 as a solar distributor, over the years their product line has progressed into geothermal sales, service, and installation. Since its inception, the Company has established itself as an industry leader in the eco-friendly, geo-thermal heating and cooling business by establishing a top quality program, consisting of reliable products and professional services. They offer area residents a total comfort package – everything from geothermal heat pumps and water heaters to radiant floor heating. Today they are the oldest provider of geo-thermal in southwest Ohio.

HVAC/Plumbing- Owner Retiring-- $150K Cash Flow
$255,000 Cash Flow: $150,000
HVAC/Plumbing- Owner Retiring-- $150K Cash Flow

Larimer County, CO

Established since 2000, this business has developed a reputation for excellence and responsiveness, and serves a strong niche market in its service area. Most of the clients are repeat customers. The owner has acted as an absentee owner for two years. An experienced manager handles calls, delegates the work, and takes care of the billing, collections, and payroll. Two experienced and reliable service techs handle the field work, which consists primarily of HVAC and plumbing repairs. 2 vans are included in the sale. This business has been pre-qualified for an SBA loan requiring just 10% to 15% down. The loan would have a 10-year term for just the business. If the building is also purchased the loan term could be extended to between 15 and 25 years.

15-yr old commercial HVAC: (SDE+EBITDA)=$1M CY 2017, 30+% growth/yr
$1,900,000 Cash Flow: $1,000,000 Seller Financing
15-yr old commercial HVAC: (SDE+EBITDA)=$1M CY 2017, 30+% growth/yr

Henderson, CO

Over $1M in SDE + EBITDA for CY 2017. Already booked over $1M in sales for 2018, and is currently bidding jobs 3-4 years out. The seller has 35-years of experience in commercial HVAC. He started and sold his first HVAC business in the late 90s, and after taking some time off, started this business in 2002. They have a stellar reputation for "on-time, on-budget" projects. They don't "bid low, and make it up on change orders." As such, 90% of their work just "comes to them" because of this reputation with regional developers, builders, and tenant-build-out contractors. They do no advertising, and don't even have a website. Great growth opportunity in commercial maintenance repair, and upgrades. In good times and bad, they have done well because they can "cherry pick" the jobs and the customers they want to be involved with. Their vendors love them, because they pay their bills ahead of schedule. They have a great team of experienced people to make sure it is "right the first time." Seller will also include up to $100,000 in working capital. Business financial controls are top notch, and the have been reviewed by 2 local SBA lenders that are interested in working with the new buyer to finance a portion of the purchase.


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