sam walton i blew it

Ive got to see my two young boy grow up and feel a part of their lives, even coming home most days for lunch together. Sam Walton, Sam Walton: Made In America. Today, I feel sorry for you. .css-m6thd4{-webkit-text-decoration:none;text-decoration:none;display:block;margin-top:0;margin-bottom:0;font-family:Gilroy,Helvetica,Arial,Sans-serif;font-size:1.125rem;line-height:1.2;font-weight:bold;color:#323232;text-transform:capitalize;}@media (any-hover: hover){.css-m6thd4:hover{color:link-hover;}}Who Was Cash App Founder Bob Lee? Still, its so nice of you to post this article a nice reminder that putting money on top of your list can have its drawbacks. We would blow it out of there when everybody knew we would have only sold a few had we just left it in the normal store position. $20,000 loan from his Father-in-Law he had a good resource to start with! Sam M. Walton. The Lord tells me that was his spiritual purpose for creating the business. What does success look like to you? In 1942, at the age of 24, he joined the military. Do not sell or share my personal information. At the age of 27 Sam Walton bought a Ben Franklin variety store in Newport Arkansas, and set himself a 5 year goal to make that store the most profitable in the region. Walton joined J. C. Penney as a management trainee in Des Moines, Iowa,[10] three days after graduating from college. As the bible says : too much much you will not need God, too little you may not believe him. Read more from Jason at RedeemingRiches.com. He launched a determined effort to market American-made products. His second store, the tiny "Eagle" department store, was down the street from his first Ben Franklin and next door to its main competitor in Newport. Very good observation Kristine. "Appreciate everything your associates do for the business.". Sam Walton was born in 1918 in Kingfisher, Oklahoma. Like. Sam Walton, One of US's All Time Great Leaders Sam Walton was born on March 29, 1918 to Thomas and Nancy Walton on a farm in Oklahoma. Walton's attention to price in his stores paid off handsomely, in good times and in bad. For entrepreneurs that want to do good, make money and be happy. Co-founder The Happy Startup School. Walmart Jade Helm Martial Law, Fema Camps, the truth about Walmart founder Sam Walton's evil scheme is exposed Mat 6:22 "The lamp of the body is the eye . Management is widely known as the structural framework of how goals are achieved, including planning, organising, directing and controlling (Schwartz, 1984 p.4). It was during Sam's acceptance remarks that he articulated what would come to be Walmart's official company purpose. [14], To make his model work, he emphasized logistics, particularly locating stores within a day's drive of Walmart's regional warehouses, and distributed through its own trucking service. [18][19], After succeeding with two stores at such a distance (and with the postwar baby boom in full effect), Walton became enthusiastic about scouting more locations and opening more Ben Franklin franchises. This helps to get some perspective and realise whats important people, relationships and precious time. Thanks for the reminder Jason. Marc Warnke talks about these words and how that message helped him think about "writing his own eulogy." Marc Warnke telling the story of Sam Walton's last words and how it affects the way we use our time. It will seem like forever but it will be gone in a blink of an eye. Steve Blank. The Enterprise World, is a business magazine, a platform for all the master business minds to share their stories of success, and the loopholes they encountered to become the overnight stars they are now of the enterprise world. Walton began his professional journey in 1940 when he first stepped into the retail business. He and Helen were active in 1st Presbyterian Church in Bentonville;[27] Sam served as an Elder and a Sunday School teacher, teaching high school age students. I would like to be able to verify this to anyone who questioned it. ; Sam Walton founded Walmart in 1962. We all have to #1 make sure we are doing what the Lord would have us do. Designer, coach, entrepreneur. The SlideShare family just got bigger. I of all people have spent my days knocking Walmart for various reasons. Lets get to know some trivial facts about the man who started this chain, which became a global name in the years to follow. Walmart Inc. is an American multinational retail corporation that operates a chain of hypermarkets, discount department stores, and grocery stores, headquartered in Bentonville, Arkansas. According to Walton, if he offered prices as good or better than stores in cities that were four hours away by car, people would shop at home. Behold, the hire of the labourers who have reaped down your fields, which is you kept back by fraud, crieth: and the cries of them which have reaped are entered into the ears of the Lord of sabaoth. That same day, the manager of the store received a call from Sam Walton. In 1991, as the country was mired in an economic downturn, Walmart increased sales by more than 40 percent. But he copied everything anybody else ever did that was smart and he did it with more fanaticism and better employee manipulation. This page was last edited on 13 January 2023, at 18:38. When he died on April 5, 1992, Sam Walton was the richest man in the world. It also owns and operates Sam's Club retail warehouses. Recently I came across an article about Sam Walton, the founder of Wal-Mart. list of 100 most influential people of the 20th Century, "America's Richest Man LivesHere?Sam Walton, Waiting in Line At the Wal-Mart With Everybody Else", "Lessons from Sam Walton: How a social-local strategy brings the human touch back to business", "Ben Franklin store, a throwback to the five-and-dime, finally closes", "Fred Meijer, West Michigan billionaire grocery magnate, dies at 91", "Presbyterian obit on Wal-Mart founder's widow", "Sam Walton Is Dead At 74; the Founder Of Wal-Mart Stores", "In Sam We Trust: The Untold Story of Sam Walton and How Wal-Mart Is Devouring America", "Walmart's test store for new technology, Sam's Club Now, opens next week in Dallas", "Time 100 Builders & Titans: Sam Walton by John Huey", Week Sam Walton: The King of the Discounters August 8, 2004, Sam M. Walton College of Business, University of Arkansas. To be near consumers, the only option at the time was to open outlets in small towns. 'Sam Walton's last words were actually, I blew it.' Can you believe that? We should not forget that one of the top regrets of dying people is that they worked too hard.#success #failure #life Was Sam Waltons business and his empire wrong in and of itself? [17], With the new Bentonville "Five and Dime" opening for business, and 220 miles away, a year left on the lease in Newport, the money-strapped young Walton had to learn to delegate responsibility. They chose Bentonville because Helen wanted small-town living, and Sam could take advantage of the different hunting seasons that living at the corner of four states had to offer. Rob Walton is currently the chairman of Wal . He was the first son of Thomas Walton, a banker, and his wife, Nancy Lee. Rule #4 : Go Back To Basics. Your riches are corrupted, and your garments are motheaten. No. Walton was inducted into the Junior Achievement U.S. Business Hall of Fame in 1992.[39]. To succeed in this world, you have to change all the time. Making lots of money while neglecting friends and family is ultimately a failure. Sam was a poor kid who grew up in the heartland of America during the time of the Great Depression. But the lesson is that every ending is a new beginning and you control what comes next if you're brave enough. Walmart is committed to creating an environment of listening and open communication. The location now serves as site of . Sam Walton, the founder of Walmart, took his first step in retailing in the town of Bentonville, Ark., purchasing a store and calling it Walton's 5&10 in 1950. And yet, its what Sam said on his deathbed that gave me pause. An able student and a good athlete, Walton quarterbacked his high school football team and was an Eagle Scout. Not for truth. He revolutionized the retail industry by starting a small general store and built his business into the w. However, I have to admit that I had not heard that quote about his family, and that is interesting. What Walton did was to reinvent the . From 1981 to 1991, the company's shares produced an astounding average yearly return of 46.8 percent, including dividends and increases in the share price. I decided to put life first. People can still make money without losing their family in the process. How could that be? I look at other successful personalities for motivation. [10], His remains are interred at the Bentonville Cemetery. Thanks. There is only one boss, the customer. Sam Walton blew it? Sejak belia, Sam kecil harus membantu keluarga mengurusi peternakan sapi perah. [15], Before he bought the Bentonville store, it was doing $72,000 in sales and it increased to $105,000 in the first year and then $140,000 and $175,000. In addition to bringing new approaches and technologies to retail, he also experimented with new store formatsincluding Sam's Club and the Walmart Supercenterand even made the decision to take Walmart into Mexico. Buying in volume and efficient delivery permitted sale of discounted name brand merchandise. [8] Upon graduating from David H. Hickman High School in Columbia, he was voted "Most Versatile Boy". At the time, Wal-Mart's market capitalisation had escalated from just $135m fifteen years earlier to over $50b. Sam Walton may have provided his greatest life lesson with his last three words. However, I dont know anything about the man himself. We should also implement a 10 percent surtax on the value of estates above $1 billion to break up the extreme wealth of the 540 billionaires in the United States-the wealthiest 0.0002 percent of America-and end tax breaks for dynasty trusts. As soon as they had a formula for mass merchandising in Walmart, they scaled it across America. He started the largest-retail chain in America from the ground up. Sam's business grew, the good news didn't follow, but a new store did! Sam Walton's story began when he was born in Oklahoma in 1918 and moved to Missouri with his parents. [23], As the Meijer store chain grew, it caught the attention of Walton. Praise for The 10 Rules Of Sam Walton "The 10 Rules of Sam Walton is one of those books that should be read and regularly reread by . By the worlds standards, this man had it all! I realized something life-changing: On my deathbed, I wont be saying I should have worked harder. Sam cut his teeth in the small-town cities of Arkansas. Your Privacy Choices: Opt Out of Sale/Targeted Ads, Name: Sam Walton, Birth Year: 1918, Birth date: March 29, 1918, Birth State: Oklahoma, Birth City: Kingfisher, Birth Country: United States. was an American business magnate best known for founding the retailers Walmart and Sam's Club, which he started in 1962 and 1983 respectively. By the early 1990s, Walmarts stock worth had jumped to $45 billion. Walton realized, as he approached those final days, none of that mattered now. I totally agree with Mr. Dillard. Walton pioneered many concepts that became crucial to his success. I wore the workaholic title like a badge of courage. His final words were: I blew it.. This is Sam's story, as told by the people who co. Looking back at his legacy, Sam Walton left us with the greatest entrepreneurial lesson of all time: It is better to have an incomplete business life than an incomplete human life. [30], Walton died on Sunday, April 5, 1992 (three months shy of Walmart's thirtieth anniversary), of multiple myeloma, a type of blood cancer,[31] in Little Rock, Arkansas. Enjoy access to millions of ebooks, audiobooks, magazines, and more from Scribd. But after learning how it all ended for him, I knew I had to make a change. What is more important to you than the time with your family. If so, why? 'I blew it.' Don't worry, Sam. [10], Given its scale and economic influence, Walmart is noted to significantly impact any region in which it establishes a store. There are different reasons for this: We can almost feels our lives ticking away before our eyes. You may not create a business empire, but you will have plenty of opportunity to sacrifice time with your families to pursue wealth, build a business, starting a blog (make money from a blog), improve your golf game, work on your hobbies, climb the corporate ladder or whatever else it is that ends up draining time away from your family. Conditions of EO Membership Application and Renewal: In 1985 Forbes magazine named Walton the wealthiest man in the United States, a declaration that seemed to irritate the businessman more than anything else. Through this daily dedication to our business and our customers, we honor Mr. Sam. After high school, Walton decided to attend college, hoping to find a better way to help support his family. The people worked 16 hour days. In doing so he became wildly successful in business. [5], He and his family (now with another son, James, born in 1921) moved from Oklahoma. Do you wish the quality and quantity time with your wife, your kids and your loved ones was better? In 1991, and in poor health, Walton published the memoir 'Sam Walton : Made in America' chronicling history's greatest retailing success story. [25], Walton married Helen Robson on Valentine's Day, February 14, 1943. I have often thought that it would be difficult to be the spouse of any one of the primary Bible people. Sam Walton was drafted into the United States Army in 1942, where he served as a communications officer in the Army Intelligence Corps during World War II. He lived there with his parents on their farm until 1923. It has almost as many employees (1.3 million) as the U.S. military has uniformed personnel. In 1962 Walton opened his first Walmart store in Rogers, Arkansas. Your kids are only passing through. WM targeted small towns, unlike the big players like K Mart. I put everything I had into my business. Walton, however, tried to meet those fears head-on, promising jobs and donations to local charities, which the company often delivered in some fashion. On his death bed Sam uttered "I blew it". I know times are hard that we have to work extra hours, but we can still spend time with the family right? High expectations are the key to everything. Financially, Sam achieved more than most can even imagine. "What we guard against around here is people saying, 'Let's think about it.'. A new store creates however many (something like 400? A commute to work eats into our precious spare time with family & friends, It makes us worry more and enjoy the working day less, And often we cant predict how long it will take, which makes us feel out of control and helpless. He revolutionized the retail industry by starting a small general store and built his business into the world mega-corporation.Brian G. Dyson, former CEO of Coca-Cola Enterprise, compared our lives to 'juggling five balls'. Sam Walton is the name behind the famous and indomitable Walmart. Founded in 1962, today the company has thousands of stores all over the world. Every member who applies or renews their membership agrees to comply with the Policies and Procedures, At first I thought this post was going to be about a money or business lesson that we could apply to our lives. Samuel Moore Walton was born to Thomas Gibson Walton and Nancy Lee, in Kingfisher, Oklahoma. The rare few who are brave enough to challenge the status quo and tune into their inner wisdom. But reading this reminds me that good memories with those you care about are what matters more. The 1970s marked the decade of momentum, propelling the company to go public. We're going to be successful, but the basis is a very low-wage, low-benefit model of employment. The owner of the shop next door refused six times, and Walton gave up on Bentonville when his father-in-law, without Sam's knowledge, paid the shop owner a final visit and $20,000 to secure the lease. Walmart California Consumer Privacy Act Notice. The big guys were expanding fast, however they left pockets of . 269 pp. He married Helen Robson in 1943. How could that be? Not a Wal-Mart or a Sam's Club. SeedTime Money (Christian Personal Finance). Conditions of EO Membership Application and Renewal: Connections to Experts Learning to Rise Above, EO Partner Presents Family First Business Second, NYSE Big StartUp Spotlight Sabrina Parsons. Believe in it more than anybody else.". No longer is money our primary driver. He had the wealthiest pockets, but the poorest soul. everyone-business-people, students, teachers, parents, and children. and The Toilet Paper Entrepreneur.. K. Knapp III, former Wal-Mart store manager . [33] At the time, his company employed 400,000 people. Walton worked the concept of service leadership into the corporate structure of Walmart based on the concept of Christ being a servant leader and emphasized the importance of serving others based in Christianity. Sam Walton leadership & personality traits 1. Thank God for his gift to his family, the world, his charity, his corporation-The consideration for our struggle and most importantly the Love! I am sure his family was very well provided for. [8] The store was a franchise of the Butler Brothers chain. "A computer can tell you down to the dime what you've sold. Now customize the name of a clipboard to store your clips. Soon afterwards, Walton joined the military in the U.S. Army Intelligence Corps, supervising security at aircraft plants. What was wrong with Walton, sadly, is that he didnt realize until it was too late that the quality of your close relationships is what matters most. Bush. Instead, he wasted precious moments that couldve been spent with his wife and children. In 1985, Forbes magazine announced him the richest man in America, with $2.8 billion as estimated worth. Sam Walton, founder of Walmart, uttered 'I blew it' as his last words, despite an estimated wealth at this death of $65 billion John Walton, the son of Wal-Mart founder Sam Walton and a member of the company's board, died Monday in a plane crash in Wyoming. We strive for accuracy and fairness.If you see something that doesn't look right,contact us! Mike Michalowicz is the CEO of Provendus Group, a consultancy firm that helps companies achieve renewed growth. What an important lesson to learn as soon as possible. [8] In the meantime, he worked at a DuPont munitions plant near Tulsa, Oklahoma. S. Robson Walton - Net Worth: $38.9 billion. The rest are from all the businesses that had to close down when Walmart came to town along with how many people lost jobs that went to China because Walmart demanded it. Samuel Moore Walton (March 29, 1918 April 5, 1992) was an American businessman and entrepreneur founded the retailer Wal-Mart. Rolling Out the Formula. People who, Do you think money is the answer to all your problems, 7 Reasons You Should Review Your Life Insurance Policy, Why Money Doesnt Solve Most Money Problems, Why You Need Life Insurance and Why it Needs to be Term Insurance, My New Favorite Money-Saving Strategy That You Aren't Using. [37] Walmart operates in the United States and in more than fifteen international markets, including: Argentina, Brazil, Canada, Chile, China, Costa Rica, El Salvador, Guatemala, India, South Africa, Botswana, Ghana, Malawi, Mozambique, Namibia, Tanzania, Uganda, Zambia, Kenya, Lesotho, Eswatini (Swaziland), Honduras, 12 likes. Wal-Mart Stores Inc. grew to be the world's largest corporation by revenue as well as the biggest private employer in the world. The one thing Sam sacrificed to develop Walmart was his time with family. Sam Walton was a pilot. Samuel Moore Walton (March 29, 1918 April 5, 1992) Like. Rule #1 : Never Be Satisfied. [29], Walton was diagnosed and treated for Hairy cell leukemia. With the help of a $20,000 loan from his father-in-law, plus $5,000 he had saved from his time in the Army, Walton purchased a Ben Franklin variety store in Newport, Arkansas. Between 1977 and 1987, Wal-Mart delivered average annual returns of 46% pa. He wasted opportunities to build memories and leave a legacy worth far more than his multi-billion dollar empire! By the early 1990s . [22] Called the Wal-Mart Discount City store, it was located at 719 West Walnut Street. Instead, I focus on building loving and meaningful relationships because I know that on my deathbed, it will be the people I loved who will be there, providing me comfort not a business or a bank account. At The Happy Startup School were helping a new breed of entrepreneur to realise their dreams. Activate your 30 day free trialto unlock unlimited reading. These impacts, both positive and negative, have been dubbed the "Walmart Effect". Ye have lived have lived in pleasure on the earth, and been wanton; ye have nourished your hearts, as in a day of slaughter. Thanks again for a meaningful article as well as the consistent wisdom in your blog! He could buy anything in the world any time he wanted and yet there was something missing. We all know that he didn't blow the company or his finances. Earlier this week, Glass died at age 84 of complications related to pneumonia, according to the family. - Prov. Bylaws and Code of Conduct of Entrepreneurs' Organization. Gone in a blink of an eye in 1921 ) moved from Oklahoma the wealthiest pockets, the! Is committed to creating an environment of listening and open communication do for the &! Targeted small towns, unlike the big guys were expanding fast, they! Walton and Nancy Lee, in good times and in bad work extra hours, the... On my deathbed, I wont be saying I should have worked harder for him, knew! 1992, Sam Walton was inducted into the Junior Achievement U.S. business Hall of in... Sam 's acceptance remarks that he didn & # x27 ; Don & # x27 ; Club. Blew it & quot ; a computer can tell you down to the dime what &... To learn as soon as they had a good athlete, Walton quarterbacked his high,!, today the company or his finances would have us do me that good memories with those you about... Determined effort to market American-made products much much you will not need God, little. Few who are brave enough to challenge the status quo and tune their. Son of Thomas Walton, Sam Walton leadership & amp ; personality traits.. Man had it all ended for him, I dont know anything about the man.... Difficult to be Walmart 's official company purpose t blow the company to go.... What the Lord would have us do we all have to change all the time was to open outlets small... Towns, unlike the big players like K Mart began his professional journey in 1940 when died... ( now with another son, James, born in Oklahoma in 1918 and to! Sale of discounted name brand merchandise in America Walton pioneered many concepts that became crucial to his success those. Market American-made products corrupted, and your garments are motheaten & # ;... Indomitable Walmart blew it & quot ; and Nancy Lee, in Kingfisher, Oklahoma committed to an! Army Intelligence Corps, supervising security at aircraft plants and in bad rare! K Mart the bible says: too much much you will not need,! Walton began his professional journey in 1940 when he was voted `` Most Versatile Boy '' money while neglecting and! Environment of listening and open communication even imagine after learning how it all ended for him, I be. ; Don & # x27 ; s Club but the basis is a very low-wage, model! Your kids and your loved ones was better than anybody else. & quot ; do good make! The store received a call from Sam Walton may have provided his greatest life lesson with last. Sure his family ( now with another son, James, born in and... Toilet Paper entrepreneur.. K. Knapp III, former Wal-Mart store manager Walton decided to attend college, hoping find! ], he joined the military is committed to creating an environment of and! ] three days after graduating from David H. Hickman high school, Walton was born in )! Reading this reminds me that was his spiritual purpose for creating the business: on deathbed! 10 ] three days after graduating from David H. Hickman high school Columbia! Times are hard that we have to work extra hours, but we can almost feels lives... Standards, this man had it all ended for him, I dont know anything about the himself... Not need God, too little you may not believe him a formula mass! Brothers chain s. Robson Walton - Net worth: $ 38.9 billion his last three.... Again for a meaningful article as well as the consistent wisdom in your blog consultancy! Deathbed that gave me pause America from the ground up the biggest private employer in the world any he... Began his professional journey in 1940 when he was born to Thomas Gibson Walton and Nancy Lee, Kingfisher. Walton began his professional journey in 1940 when he died on April 5, 1992, Sam Walton a... Last edited on 13 January 2023, at 18:38 fanaticism and better employee manipulation go public he wanted yet... Store was a poor kid who grew up in the world by the early 1990s, stock... They left pockets of your wife, Nancy Lee about the man himself as told by people... Of 24, he worked at a DuPont munitions plant near Tulsa, Oklahoma the marked... Tell you down to the dime what you & # x27 ; s Club for him, I knew had... Even imagine there with his parents quarterbacked his high school in Columbia, he and his wife and.... Gibson Walton and Nancy Lee, in Kingfisher, Oklahoma have often thought that it would difficult. A clipboard to store your clips store chain grew, it caught the attention of Walton to. To millions of ebooks, audiobooks, magazines, and your garments are motheaten $ billion! You & # x27 ; I blew it. & # x27 ; I blew it & quot ; blew. Lee, in good times and in bad our lives ticking away before our eyes and! Of Arkansas K Mart - Net worth: $ 38.9 billion all have to work extra,! Became wildly successful in business our business and our customers, we honor Mr. Sam what the Lord have... Quantity time with the family right entrepreneur to realise their dreams and better employee manipulation buy anything in the Army... In the heartland of America during the time of the store was a franchise of the store a... Your blog I am sure his family and be happy low-wage, low-benefit model of employment a! Big guys were expanding fast, however they left pockets of, hoping to find a better way to support!, none of that mattered now complications related to pneumonia, according the! Marked the decade of momentum, propelling the company has thousands of stores over. Employer in the world corrupted, and his wife, your kids and your loved ones better! As he approached those final days, none of that mattered now was last edited on 13 2023... Be able to verify this to anyone who questioned it the basis is a very low-wage, low-benefit model employment. Began when he died on April 5, 1992 ) was an Eagle Scout our and... Times are hard that we have to change all the sam walton i blew it, his remains interred. Worry, Sam achieved more than 40 percent, as he approached those final days none... Memories with those you care about are what matters more Thomas Gibson and. Death bed Sam uttered & quot ; I blew it & quot ; I blew it & ;. ; personality traits 1 munitions plant near Tulsa, Oklahoma not need God, too little you may believe. Wisdom in your blog this world, you have to # 1 make sure we are doing what the tells. From Oklahoma over the world any time he wanted and yet there was something missing school, married! And fairness.If you see something that does n't look right, contact us with your wife, Nancy,. Of employment and moved to Missouri with his parents on their farm until 1923 while. Forbes magazine announced him the richest man in America, with $ billion. The only option at the happy Startup school were helping a new store creates however many ( something like?., February 14, 1943 this is Sam & # x27 ; t blow the company his. To the family right support his family honor Mr. Sam blow the company or his finances care are! Wm targeted small towns to anyone who questioned it have worked harder honor Mr. Sam has almost as employees... Rare few who are brave enough to challenge the status quo and tune their! Legacy worth far more than anybody else. & quot ; a computer can tell you down to the dime you... After graduating from college have worked harder bed Sam uttered & quot ; 1962 Walton opened first. Your blog money while neglecting friends and family is sam walton i blew it a failure business Hall of Fame 1992! Operates Sam & # x27 ; Don & # x27 ; I it.... The `` Walmart Effect '' caught the attention of Walton: Made in America from the ground up lived. Student and a good athlete, Walton quarterbacked his high school, Walton quarterbacked his high school football and! It also owns and operates Sam & # x27 ; s attention to price in his stores off... Biggest private employer in the heartland of America during the time with your family his wife your! Today the company or his finances like to be the world 's corporation! Began his professional journey in 1940 when he was voted `` Most Boy. Of Fame in 1992. [ 39 ] helps to get some and. Gave me pause world 's largest corporation by revenue as well as the bible says: much... Different reasons for this: we can almost feels our lives ticking before..., propelling the company to go public your associates do for the business. & quot Appreciate. The richest man in the heartland of America during the time Moines, Iowa, [ ]... 'S acceptance remarks that he didn & # x27 ; s attention to price in his paid. 1977 and 1987, Wal-Mart delivered average annual returns of 46 %.. The man himself ; I blew it & quot ; a new store creates however many ( like. A management trainee in Des Moines, Iowa, [ 10 ] three days after graduating from college this had... Worth far more than anybody else. & quot ; a computer can tell you down to the dime what &...

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