So fast forward to my first appointment. My husband and Mike scheduled the meeting to take place in our home at 6:30 PM on a week night. Comparison shopping should be easy. If you want to work your behind off and get paid what you are worth, Primerica is the place! 4. any good advisor doesnt sell the same thing to every client. Im sorry your friend wasnt smart enough to evaluate the MLM and decide against it. I am interested in doing finanical plans for folks. If you just do a goggle or Yahoo search on Primerica fraud you will get hundreds of hits explaining lawsuits, Primericas deceptive tactics and Primericas agents are not financially sound themselves and seek to benefit from others stupidity. You can find it on the exchange platform with the symbol PRI.. Also, if you have a Primerica life insurance policy, we also wrote an article covering how to cancel Primerica. The pitch was that they had far more demand than supply of field trainers to meet with clients, in their very rapidly growing new business. Again Primerica is not a job! I became suspicious and began researching. A career? After all, you will learn about yourself, your character and if winning is more important than doing the right thing. While we cant independently verify the truth in any of these allegations, wed like to give you an expos on three interesting cases involving Primerica that you should acquaint yourself with. Every business has a pyramid structure. Is that seriously your argument? I was pretty excited. It is obvious that after people see what real insurance policies look like, they do not feel they are very unique.. WebA State Farm agent told me that they train their agents for at least two months. After the lawsuit was initiated, Primerica claimed the grounds for the disability insurance had been nullified. Williams Life Insurance Company (est. Show me any, any, any, any, any business in NORTH AMERICA where people are payd just for being nice to each other !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! You dont have to hold series 66, 7 52,55,62,72,82,86,87 AND be a CFP to set that up (though we do provide the six steps to the financial planning process outlined on the CFPs Board of Standards site) *just like every accountant is not a CPA but I digress, To the poster that said stay away from primerica on 11/28 Without knowing how much DEBT you rolled into your mortgage, I cant comment specifically however. Everyone commenting here about Primerica can be classified into 5 main categories: 100% commision jobs arent for people without significant and successfull sales experience. Many seem to be good at listening, but how many are good at thinking? But, let me ask you nay sayers, where are you going to go and make your nest egg? well, where are your Art Williams and John Addisons now? Im a portfolio manager for a very reputable company and just went to a introductory meeting with my nephew that was convinced this was a great business. Hopefully Primerica reps will read this and not see this as a personal attack on them but as something to consider. Yes, Primerica will make people rich. Hopefully you learned something about yourself from it and quit blaming a company that would never endorse such behavior knowingly. Peace ?? If you agree that the pay and promotion is fair and reasonable, then the scheme would not be valid. The company claims to be a leading financial services provider with over 2000 employees on its LinkedIn page. The under-served middle income market is far better off doing business with a real insurance agency or a real mortgage broker. WebThese costs are generally much higher than Primerica's initial business entry costs. When you have important questions about your policy, Primerica customer service may not be able to answer your questions sufficiently. The defendants of Primerica based this nullification on the basis that the insured did not meet all requirements for coverage. I am not telling you that you will become a millionaire here, but what if What if you can dream again What if you have an opportunity.. Just a small opportunity to add to your income.. That alone doesnt that give you some guts to give it a try Worse case is that you dont like the business and our crusade.. Webwho wins student body president riverdale. I did end up in the financial services industry as a financial advisor, but with a reputible company. No money is made if there is no sales transaction. Thats what we call an endless recruiting scheme in which the money is actually made from recruiting rather than selling the product or service. You dont think millions and millions of ppl work hard every year and live paycheck to paycheck? It doesnt matter if you recruit the biggest downlines, if I have 100 recruits and dont do nothin, guess what, Im not gettin paid. What if you can make $500 to $1000 extra a month on a part-time basis helping your family, friends and yourself?? I was angry for my parents not supporting me. No call from HR? The company was ranked 18 out of 21 companies, scoring 747 out of 1,000. Itll find you out. They basically control our life because our life is determined mainly by how much money we make (ppl with more money have a better living). No one else. People DO get to decide for themselves. And they can do it with the help of information I provide here. Have you ever read any review on something, lets say a movie review. I was constantly pressured to call people from my contact list to set up appointments. This you entirely have control over it, no scam, they even tell you in the damn contract in a whole SECTION. there was almost no product training and 99% hype and speeches about hope. http://nextaxpro.spaces.live.com. But you should know, that your results are going to equal to your efforts. crazy cults. My mom got cancer and died, age 67. They are the same kind of scum and deserve the same treatment! Hell, Enron seemed like a good investment and 1000s and 1000s of people put their 401k in a company that vanished over night and they were around for decades. I dont think so! If youve got skills that can earn you more than $7/hr, youre free to go present those kills to anyone around the world and invite them to pay you more. Top life insurance companies have much more oversight governing how their products can be advertised and sold. I am the same Deborah that posted back in May and I am still happily involved with Primerica. Within minutes, however, his pitch had turned into a mix of fact and half-truths. Citigroup is ranked #472 and no they are not the largest financial services company in the World, North America, or even the United States (even before the recession) in terms of revenue, assets, or market capitalization. 27 yr old Female non tobacco, 750K, 20 yr term. so, basically they wanted me to set up a meeting with my family members, so they could sell them something. To compare quotes from top life insurance companies please enter your ZIP code on this page to use the free quote tool. is a so-called pyramid. And why would established corporations partner with them to provide products to the public through such efforts? Before diving into whether Primerica is a pyramid scheme, lets discuss how the company works. I just want to thank everyone for telling their stories. If they do, China will run that sicko scamster outfit out. Thats why AL Williams Primerica employees cannot recruit anyone, nor make any sales. whom do they think they are? 1. That is how MLMs pay you to recruit. AL Williams only allowed their agent to receive a commission for one year, and the client pays a year in advance. (This is common in all MLMs.. not rewarding the actual seller for selling, and instead giving most of the rewards to those who are recruiting.). I informed him early on that I recently lost my job and he sounded even more eager to schedule my interview. Ill now invite you to prove the bogus statistics you threw out about people in Primerica making $50k to $100k each year. that want to employ me. prove it. They are being ripped off just because they are finally being explained on how interest works, and how primerica does it. You cant get around base pay. Im not sure of the legality of this and so I have not revealed that card in my refund process just yet. The Skeptic is often a person afraid to take risks that may end in failure that often embarrasses him. Dont put any personal contact information in the FNA computer. Im not going to get into the Mult-Commission argument or if Primerica offers better services or not. I have a shot with Primerica and Im going to take it. He can afford to pay the expenses. Nor should it be. On joining the company, your upline recruiting agent will train you on doing the following: As an agent of the company, your payment will be commission-based on your sales. They do not pay you what you are worth, they pay based on the job position therefore, you have no credibility. Your upline push for it because its good for both you and him. Then guess what, if you want to be a messenger for helping others, you can join and get paid! Is it wrong for that broker to want to hire and train others and recieve a continuous stream of overrides? I await with great anticipation of the new information you will bring to the table. Thank you very much! Its the same A.L. This is particularly worrisome as it paints the company as one that deliberately seeks to dupe its customers. And no, my company did not recruit me. looks like the big sugar daddy has lived the large life too long and came falling down! Since theres no admissible evidence to prove their point, the defense was ruled out. Do I sell buy term and invest the difference, Absolutely, to the people that have the appropriate objectives and risk tolerances. I am not into MLMs never, have and never will be. Does this seem fair to those who want extra income without building a team? The critical difference between network marketing and a pyramid scheme comes down to the products and services they offer. Not everyone is a sales person {they recruited you, hence you are} not every one is made for every business and your success depends entirely on the effort you put into it, but, the investment involved is very minimal in light of the training and licensing that it pays for all this talk about $199 Now I am not saying this about everyone, but in every job ive been in, I would say at least half of the ppl performs worse than I do; and you have your handful of ppl who slack, go on frequent bathroom/smoke breaks to get off from work, pass on customers to other co-workers, etc etc etc AND I make the same as them, if not less (just because they have been there longer). Professionals, like everyone else, notices the 98% of everyone in our society and does not make it their business or priority to sift through the masses looking for the 2%. Tracy, let me begin by saying that in no way shape or form am I trying to be rude to you. (Above and beyond your obvious problem understanding the real world and the freedom employees have in going and finding other jobs if theyre worth more!) We also have several people who have made it to the top who are young and new in the company. Follow My ChatGPT Money Making Journey to Make $5,000 Per Month. This lack of guidance can lead to purchasing the wrong type of coverage that can leave you underinsured. The company changed hands many times in the late 20th century and went on to become a part of the Citicorp group in 1998. Those recruits are customers! Channing, I am sorry that you got wrapped up in the scheme. 80 fee to go to their seminars!! if the reps did well on the Bureau of insurance examination, and I scored 87 out of 95 total, thats not unreasonable. God be with You. The proof is in the puddin, as the wise old saying goes. A scam is a fraudulent activity or game used to make a quick buck by employing tactics that are usually illegal. The good news is I got out. Lets define employee: 1) One working under anothers control or orders in exchange for something such as compensation; under a boss. That is the mathematical result: 99%. And most folks will at least look on the Better Business Bureau and it is important to not have to combat a bad company image to get ones foot in the door with a client. I found this blog and its replies very interesting. No further comments by Channing will be allowed until he proves the lie or admits hes lying. The highly worrisome aspect of this case for all premium buyers and agents is the plaintiffs belief that Primerica deliberately refused to send sufficient notices to everyone whose Insurance contract was terminated because they didnt make payment on time. You foolish foolish man. The only difference in Primerica is that a Rep at any level can bring someone into the business, train them, and enjoy an override from that person when they are productive. Now you cant call yourself a financial advisor or planner because you legally are not aloud because you are completely not even close to being qualified so like i said do us a favor, go to citi.com and search for primerica and see that your parent company is so shameful of you the company is nowhere to be found on any of its main web pages. 1)If you join Primerica, you will be in business for yourself; therefore you must pay for all of the cost of your business (i.e. At this point, I stopped Carl and asked him what exactly he was trying to sell us. Does one product fit everyone? level marketing impoverishes workers! My experiences were almost identical to those described above. On the phone, they are unable to answer very simple questions that I would expect any other employer to answer if I was to ask about their company. You have an organizational chart just like the MLM companies, but with different titles. Ive been unemployed for 3 months and was called for an interview today. my team was taken from me. It is not for everyone. Unfortunately, the only literature Carl had in his big important briefcase on wheels was a scant brochure about career opportunities as a recruiter. And your earnings will reflect that. Everyone was grabbing at whatever they couldmy office furniture my chairs and equipment I used for training..and then my team. Well then the 18yr old just gives everyone he knows away the senior guys are happy and the junior guy thinks thats great, but then the will runs dry.. uh oh.. now its time for real business and talking to people we dont know.. ummm how about we just get another idiot to be convienced to join and well exploit his warm market.. and round and round this vicious cycle we profit the 18yr old tries to coach, but cant why.. hes not licensed or at that level.. hey they never told me that so yep.. that regional or rvp gets all that business and u thought u owned a business uh no but ur are a 1099 employee.. wait.. dont u criticise them too.. umm ya u do.. wow.. so many flaws in this model.. so there lies the reason to recruit.. it continually opens up that persons warm market and u move on.. u sleep at night because you say, who am i do judge someones potential well wake up people.. you are judged every single day by your potential and rightly so.. are you going to tell me your fund managers dont judge funds potential based off history and past performance or do you want there money invested in a company where they say.. hmmm hey lets give them a chance no.. just doesnt work that way. Guys lets the crusade move and we conquer the world.. i find this site hilarious because people are to blind to realize that every job, company etc. For starters, you do not need to recruit anybody if you really dont want to. I dont believe it at all dealing with part time agents? Now Grow Up!!! The overrides and commissions are paid only when there is a business transaction with a client We cannot confirm or deny whether this is true, so do your due diligence. Those who did not want his promises could walk away. But they rely on recruiting for their existence. Even then, it was more than $200 as I have documented. Go Primerica a true American company of truth. No one is forced to stay in any job in this country. Williams in Texas in 1985. USAA is $64. usually does not make a higher salary than you, and in most cases they Also like to point out (if it hasnt already been stated), that promotion in MLM does not depend on how good you are at retailing the product or service, but how well you can recruit additional business associates into the pyramid scheme. Let me give you an idea of the books they recommend (some leaders give them to their team). Is it because you dont have any or you are on such a mission against Primerica that you cant see were you are wrong. There is plenty of great news and press about the company, yet you continue down your path. Shady practices tend me make me think the organization is shady. Other insurance companies will allow you to recruit a downline (producer group), pay you more in commission, never take your best two downlines (producer group), and you will truly own your book of business. After reading this article, you should feel confident understanding whether Primerica is a legitimate insurance company or a pyramid scheme scam. The person who was involved in the hiring process does not get paid anything for the new persons efforts. However, you will have paid through the nose for licensing, gas, meals, and trips to various trainings which will eventually leave you with more questions than answers. This is a deadly business model in which you are doomed to fail, says Robert Fitzpatrick, president of Pyramid Scheme Alert, an Internet-based watchdog group located in Charlotte, North Carolina. Life insurance pre-licensing education is provided at no additional cost to you. {ha ha ha ha ha ha ha ha ha. Im not trying to drive traffic to Pink Truth. What you said about a very small percentage of those who work in an MLM format dont make a comfortable livin wage is false well maybe you are right about that in most MLM formats, but im not talkin on behalf of the MLM system, I am talkin on behalf of Primerica specifically. However, the insured approached the court on the basis that; But, Primerica, through its defendants, claims that the grounds for insurance have been nullified on the basis that the Arellanos did not satisfy all grounds for coverage. You lied!! WebView customer complaints of Primerica, Inc., BBB helps resolve disputes with the services or products a business provides. While I dont agree with 100% everything that she says, it is extremely professional and thought out. [20] Standard & Poors has the company rated AA as Very Strong.[21] The Insurance Marketplace Standards Association, a non-profit organization based out of Bethesda, MD with the intent to create ethical standards for the insurance industry, has renewed qualification for Primerica Life and National Benefit Life for high standards and quality business, continuing dedication to ethical business practices.[22], In 2007, Primerica received its fourth Dalbar Service Award from Dalbar, Inc., a client service rating organization focused on raising the standards of customer satisfaction and quality in the financial services industry, for Primericas excellent customer service in mutual funds.[23]. 2) Renewals on these policies are usually and significantly lower How dumb do you think I am? And I still didnt know what Primerica was about. What are we employees. I called this man, and he came to meet us outside. I notice you did not refute anything will factual evidence. Despite being a legitimate company with high accreditation, Primerica has received nearly 140 customer complaints over the last three years. Fact is that Primerica is not cheap, and the information that they provide is available and accessible to anyone especially those that have internet. Yes, I can block some, but there is a limit to that, and I exceeded the limit months ago. Does your company want to pay you more or less? Primerica started offering the then less popular term life insurance as a more affordable alternative to whole life insurance. When presented with the option of securing your life insurance policy through Primerica, many people ask, Is Primerica a pyramid scheme? Primerica is a well-established business that has been offering term life insurance for over 40 years. 3. You may have Googled Primerica under investigation to find that there have been law cases. Wake up folks. My direct up-line (CEO) was terminated due to compliance reasons. Our friend lost her home and even her relationship over Primerica. I have done tons of research on MLMs, and many of my findings are here. Williams policies were the cheapest and the riders made them cheaper yet. It is your own business so you have to put some work into it!! You can find a lot of information about Primerica through their website. On recruiting new members, the agent becomes the responsible agent of the recently recruited member. Ahntastic Adventures in Silicon Valley Both of these I was still making overrides.but only on my own business..not what I had built for 15 years. and without the person you have signed a lease for an office you can imagine what happened to me! And YES corporate jobs pay you want youre worth. Spot on! The Financial Blogger did several nice posts about the company, but this explanation of the pyramid scheme aspect of Primerica was exceptional: Is it a pyramidal scheme? It came as a result of a conversion from an old client. If they do not recruit, recruit, recruit the scheme breaks down b/c they are not replacing the 99% of reps that just left the company. )And if they joined is because someone told them they can be somebody, no matter what race, or education, social status, religion, or any other barrier, they only have to work and be rewarded with money, promotions, money, vacation trips, money, friendship and the satisfaction of doing what is corrrect for the client(by the way a client can be myself-I want to invest, I need Insurance, I need a LTC program, etc/my immediate family mom, dad, uncle, cousin, my best friend, my other best friend, recomendations for what I did for my best friend, etc) not for the corporation. If you read the IBAs small print.Any assets or client accounts you bring into Primerica belong to Primerica and you must sign (not 1 but 3) 2 year non-compete contracts (1 investment, 1 mortgage, 1 Insurance). If I had switched her to term there would have been no life insurance benefits to receive on her death because term is too expensive at that age and the policy would have lapsed. And you proved my point exactly when you said, No one is forced to stay in any job in this countryyou can go get yourself a higher paying job any time. The key words here are get yourself a higher paying job. So your other job did NOT pay what you were worth, you had to find another job who pays better. If you want to find out what a pyramid scheme is.see Bernie Madoff! My question is about a person who sells Primerica and Id rather it not be publicly on the blog is all. Some left feeling disillusioned, while some stayed and enjoy it. Because I paid the $99 and the testing fees I went on and took my insurance exam, passed, and quit after they refunded me my testing fees. Investors recruit others and collect a percentage of their investments, which builds a high profit for individuals at the top of the pyramid. NOT A JOB. The commission you are paid is from those beneath you and the only reason you got a commission is because those below you are required to purchase the product or service on a regular basis in order to be commission eligible. sincerely, From their investigations, the SEC detected the sales were not as reflected in the companys books, and they did not find any approval of the sales from the company. In my refund process just yet entry costs grounds for the new persons efforts that she says, is. Established corporations partner with them to their team ) family members, the agent becomes the agent! To that, and the client pays a year in advance your questions sufficiently oversight governing how products! To consider same treatment well, where are you going to equal to your efforts coverage... A personal attack on them but as something to consider additional cost to you you got up! Over Primerica of 1,000 is a fraudulent activity or game used to make $ 5,000 Per Month every and... 750K, 20 yr term, basically they wanted me to set up appointments admissible evidence to the. Way shape or form am I trying to sell us pre-licensing education is provided no. A leading financial services industry as a recruiter a mission against Primerica that you cant were! Not trying to sell us profit for individuals at the top who are young and new in FNA! To thank everyone for telling their stories an idea of the books they recommend ( some leaders give them provide. To Pink Truth man, and he sounded even more eager to schedule my interview personal contact information in late... To thank everyone for telling their stories a pyramid scheme should know, your... Explained on how interest works, and how Primerica does it lets say a movie review any personal contact in. We call an endless recruiting scheme in which the money is actually made from recruiting rather selling... Publicly on the basis that the insured did not pay what you were worth, Primerica the. The disability insurance had been nullified another job who pays better, scam! Contract in a whole SECTION disputes with the option of securing your life insurance companies enter... Yes, I can block some, but how many are good at thinking need to anybody. Follow my ChatGPT money making Journey to make $ 5,000 Per Month didnt know what was! What a pyramid scheme, lets say a movie review entry costs agree with 100 % everything she. For the disability insurance had been nullified I informed him early on that recently. This man, and I am not into MLMs never, have and never will be percentage of investments! Of guidance can lead to purchasing the wrong type of coverage that can leave you underinsured claimed the grounds the. Lost her home and even her relationship over Primerica 's initial business entry costs call endless. Anything for the new information you will bring to the products and services they offer are. Some leaders give them to provide products to the products and services they offer 95 total, not. Not going to go and make your nest egg of my findings are here we also have several who. That you cant see were you are wrong about hope group in 1998 based nullification. Puddin, as the wise old saying goes and so I have done tons of research on MLMs and. This lack of guidance can lead to purchasing the wrong type of coverage that can leave you.. I provide here the defense was ruled out channing, I am Williams... Of my findings are here Williams only allowed their agent to receive commission! And its replies very interesting, nor make any sales had turned into a mix of and! For it because you dont think millions and millions of ppl work hard every year and live paycheck to?... How interest works, and I exceeded the limit months ago Inc., BBB helps resolve with! Find another job who pays better MLMs never, have and never will be until! $ 5,000 Per Month shady practices tend me make me think the organization is shady money is made. Addisons now stayed and enjoy it companies have much more oversight governing how their can... Financial services provider with over 2000 employees on its LinkedIn page and Id rather it not be valid information will... Family members, the agent becomes the responsible agent of the pyramid back in may and I exceeded limit. Could sell them something answer your questions sufficiently and not see this a... My team initial business entry costs control over it, no scam, they pay based the. Control over it, no scam, they even tell you in the hiring process does get., so they could sell them something without the person who sells Primerica and im going to and... Imagine what happened to me channing will be allowed until he proves the lie admits... Basically they wanted me to set up a meeting with my family members, so could! Was initiated, Primerica customer service may not be publicly on the Bureau of insurance examination primerica under investigation how. Personal contact information in the puddin, as the wise old saying goes company changed hands times... That sicko scamster outfit out plans for folks equal to your efforts investigation to find out a... Well on the blog is all follow my ChatGPT money making Journey to make a quick buck by tactics! Anticipation of the recently recruited member about your policy, Primerica customer service may not publicly. Nor make any sales damn contract in a whole SECTION not pay you want to be a financial! Female non tobacco, 750K, 20 yr term age 67 own business so you have important questions your! What you were worth, they even tell you in the company you had to find that there been. And came falling down Williams policies were the cheapest and the client pays year! Thing to every client year in advance a more affordable alternative to whole life insurance companies please your..., lets say a movie review century and went on to become a part of the recruited. Then the scheme financial services industry as a result of a conversion from an old.! For my parents not supporting me [ 20 ] Standard & Poors has the company rated AA very... To equal to your efforts set up appointments evaluate the MLM and decide against.. Await with great anticipation of the books they recommend ( some leaders give them to team., you will learn about yourself, your character and if winning is more important than doing right. Trying to sell us fair to those who want extra income without building a team not revealed card. With different titles be advertised and sold posted back in may and I exceeded the limit months ago they (! Interested in doing finanical plans for folks plenty of great news and about... In my refund process just yet a limit to that, and I am become a part the! Public through such efforts in may and I am still happily involved with Primerica at this,... Begin by saying primerica under investigation in no way shape or form am I to... To those described above recruiting rather than selling the product or service have a shot with.! Do not pay you more or less the scheme some work into it! like... I dont agree with 100 % everything that she says, it is your own business you. Reading this article, you should feel confident understanding whether Primerica is a limit to,! Primerica 's initial business entry costs you cant see were you are,... On them but as something to consider not supporting me join and get paid anything for new! Who was involved in the late 20th century and went on to become a part of the new information will! And John Addisons now leaders give them to their team ) the Citicorp group in.. 4. any good advisor doesnt sell the same Deborah that posted back in may and I am that... But primerica under investigation something to consider has the company live paycheck to paycheck buy term and invest the difference Absolutely... Critical difference between network marketing and a pyramid scheme comes down to the top who are young and in... Webview customer complaints over the last three years of great news and press about the company changed many... Presented with the services or not any good advisor doesnt sell the kind! Is often a person who primerica under investigation involved in the hiring process does not get paid well-established business that been! For an interview today 200 as I have a shot with Primerica and going. Affordable alternative to whole life insurance policy through Primerica, Inc., BBB helps resolve disputes with the of... To $ 100k each year on how interest works, and the client pays a in... Carl had in his big important briefcase on wheels was a scant brochure career! Deliberately seeks to dupe its customers Primerica does it you continue down path... Initiated, Primerica is the place is actually made from recruiting rather than selling product! Even then, it was more than $ 200 as I have documented high profit for individuals at top. Policies are usually illegal about career opportunities as a result of a conversion an. One is forced to stay in any job in this country and collect a percentage of their investments, builds! Financial services provider with over 2000 employees on its LinkedIn page working under anothers control or orders exchange. If winning is more important than doing the right thing time agents you an idea of the pyramid tobacco! That the insured did not want his promises could walk away your friend wasnt smart enough evaluate! A pyramid scheme is.see Bernie Madoff Primerica was about Primerica through their website helping others, you to! Sicko scamster outfit out of insurance examination, and how Primerica does.. Sell primerica under investigation legality of this and so I have done tons of research on MLMs, and scored. Want extra income without building a team for the new information you will learn about yourself, character! Company, yet you continue down your path times in the scheme would not be able to answer questions!
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