CPT code 64420: Intercostal block, single nerve2026 Medicare rate & RVUs in Austin, TX
Reports injection of anesthetic, with or without steroid, near one intercostal nerve to relieve localized chest-wall pain or neuralgia.
In Austin, TX, Medicare pays $109.54 for 64420 in the office and $53.00 when it’s performed in a hospital or facility.
Check a contract rate as a % of Medicare · 64420 nationwide
Medicare allowed amount for participating (non-QP) physicians, before deductible, coinsurance and claim adjustments. Not a patient’s bill or a hospital charge.
On this page 11 sections
What 64420 covers
An intercostal nerve block places local anesthetic, with or without steroid, near one nerve running beneath a rib to interrupt chest-wall pain. Anesthesiologists, pain physicians, and surgeons may perform it for localized pain after rib injury or thoracic surgery, or for intercostal neuralgia, in an office, procedure suite, or hospital.
Report 64420 for one targeted intercostal nerve; when additional intercostal nerves are blocked in the same session, report 64421 for each additional nerve. The record should identify the side and nerve or level treated, clinical indication, medication, technique, and response. CMS assigns a 0-day global period, so same-day preoperative and postoperative care is included. For bilateral treatment, modifier 50 is paid at 150%. When procedures are performed in the same session, the highest-valued procedure is paid in full and the others receive the standard multiple-procedure reduction. Assistant-at-surgery payment is statutorily restricted; co-surgeons and team surgery are not permitted.
This summary was written with AI assistance from CMS physician fee schedule data and checked against the CMS billing rules shown here. Rates on this page come directly from CMS files.
How Austin, TX compares for 64420
Across 109 of 109 payment localities, the office rate for 64420 runs from $94.86 in Arkansas to $138.31 in San Benito County, CA. Austin, TX pays $109.54. The RVUs are the same everywhere; the geographic indexes change the dollars.
- Austin, TX · this page$109.54
- Beaumont, TX · Texas$99.57−$9.97
- Brazoria, TX · Texas$104.89−$4.65
- Dallas, TX · Texas$105.50−$4.04
- Fort Worth, TX · Texas$104.86−$4.68
- Galveston, TX · Texas$105.17−$4.37
- Houston, TX · Texas$106.82−$2.72
Other areas in Texas first, then benchmark localities. Bars start at $0.
Every other payment area
| Payment locality | Office | Facility |
|---|---|---|
| Rest of TexasTexas | $102.13 | $51.42 |
| Los Angeles, CACalifornia | $118.72 | $55.50 |
| Washington, DC areaDistrict of Columbia | $120.18 | $57.23 |
| Miami, FLFlorida | $113.26 | $57.62 |
| Chicago, ILIllinois | $110.36 | $56.65 |
| Manhattan, NYNew York | $120.87 | $58.77 |
| AlaskaAlaska | $126.47 | $69.56 |
| AlabamaAlabama | $96.10 | $49.34 |
| ArkansasArkansas | $94.86 | $48.96 |
| ArizonaArizona | $103.35 | $51.56 |
| Bakersfield, CACalifornia | $111.88 | $53.31 |
| Chico, CACalifornia | $111.59 | $53.02 |
| El Centro, CACalifornia | $111.61 | $53.03 |
| Fresno, CACalifornia | $111.59 | $53.02 |
| Hanford, CACalifornia | $111.59 | $53.02 |
| Madera, CACalifornia | $111.59 | $53.02 |
| Merced, CACalifornia | $111.59 | $53.02 |
| Modesto, CACalifornia | $111.59 | $53.02 |
| Napa, CACalifornia | $128.17 | $57.74 |
| Oxnard, CACalifornia | $118.07 | $54.90 |
| Redding, CACalifornia | $111.59 | $53.02 |
| Rest of CaliforniaCalifornia | $111.59 | $53.02 |
| Riverside, CACalifornia | $112.58 | $54.01 |
| Sacramento, CACalifornia | $116.80 | $54.65 |
| Salinas, CACalifornia | $116.35 | $54.42 |
| San Diego, CACalifornia | $118.85 | $54.93 |
| Marin County, CACalifornia | $135.39 | $60.03 |
| San Francisco, CACalifornia | $135.28 | $59.93 |
| San Benito County, CACalifornia | $138.31 | $61.25 |
| Santa Clara County, CACalifornia | $137.90 | $60.83 |
| San Luis Obispo, CACalifornia | $114.51 | $53.64 |
| Santa Cruz, CACalifornia | $119.80 | $54.87 |
| Santa Maria, CACalifornia | $116.72 | $54.41 |
| Santa Rosa, CACalifornia | $121.00 | $55.37 |
| Stockton, CACalifornia | $111.59 | $53.02 |
| Vallejo, CACalifornia | $128.03 | $57.59 |
| Visalia, CACalifornia | $111.59 | $53.02 |
| Yuba City, CACalifornia | $111.59 | $53.02 |
| ColoradoColorado | $109.98 | $53.12 |
| ConnecticutConnecticut | $112.43 | $54.88 |
| DelawareDelaware | $104.94 | $52.14 |
| Fort Lauderdale, FLFlorida | $109.19 | $55.06 |
| Rest of FloridaFlorida | $104.41 | $53.32 |
| Atlanta, GAGeorgia | $107.68 | $53.38 |
| Rest of GeorgiaGeorgia | $99.14 | $51.47 |
| Hawaii, Guam, HIHawaii | $113.90 | $53.14 |
| IowaIowa | $98.30 | $49.41 |
| IdahoIdaho | $98.87 | $49.71 |
| East St. Louis, ILIllinois | $103.50 | $54.34 |
| Rest of IllinoisIllinois | $101.67 | $52.88 |
| Suburban Chicago, ILIllinois | $110.28 | $55.39 |
| IndianaIndiana | $99.39 | $49.85 |
| KansasKansas | $97.88 | $49.57 |
| KentuckyKentucky | $98.10 | $50.59 |
| New Orleans, LALouisiana | $102.29 | $52.00 |
| Rest of LouisianaLouisiana | $97.96 | $50.66 |
| Metropolitan Boston, MAMassachusetts | $120.14 | $56.33 |
| Rest of MassachusettsMassachusetts | $109.43 | $53.15 |
| Baltimore area, MDMaryland | $112.10 | $54.76 |
| Rest of MarylandMaryland | $106.80 | $52.72 |
| Rest of MaineMaine | $99.32 | $50.15 |
| Southern Maine, MEMaine | $104.16 | $51.20 |
| Detroit, MIMichigan | $105.57 | $54.00 |
| Rest of MichiganMichigan | $100.37 | $51.58 |
| MinnesotaMinnesota | $105.73 | $50.74 |
| Metropolitan Kansas City, MOMissouri | $101.68 | $51.49 |
| Metropolitan St. Louis, MOMissouri | $102.63 | $51.76 |
| Rest of MissouriMissouri | $96.45 | $50.38 |
| MississippiMississippi | $95.67 | $49.66 |
| MontanaMontana | $105.87 | $52.43 |
| North CarolinaNorth Carolina | $100.25 | $50.39 |
| North DakotaNorth Dakota | $104.10 | $50.65 |
| NebraskaNebraska | $98.79 | $49.46 |
| New HampshireNew Hampshire | $108.29 | $52.65 |
| Northern New JerseyNew Jersey | $119.14 | $57.15 |
| Rest of New JerseyNew Jersey | $113.81 | $55.46 |
| New MexicoNew Mexico | $100.86 | $51.85 |
| NevadaNevada | $105.45 | $51.95 |
| NYC suburbs and Long Island, NYNew York | $123.52 | $59.97 |
| Poughkeepsie and northern NYC suburbs, NYNew York | $114.53 | $56.01 |
| Queens, NYNew York | $121.79 | $58.63 |
| Rest of New YorkNew York | $101.60 | $50.83 |
| OhioOhio | $100.01 | $51.21 |
| OklahomaOklahoma | $97.96 | $50.23 |
| Portland, OROregon | $113.20 | $53.83 |
| Rest of OregonOregon | $104.72 | $51.49 |
| Metropolitan Philadelphia, PAPennsylvania | $109.87 | $54.24 |
| Rest of PennsylvaniaPennsylvania | $100.16 | $51.10 |
| Puerto RicoPuerto Rico | $106.58 | $52.55 |
| Rhode IslandRhode Island | $108.46 | $53.26 |
| South CarolinaSouth Carolina | $100.28 | $50.90 |
| South DakotaSouth Dakota | $103.88 | $50.44 |
| TennesseeTennessee | $98.32 | $49.74 |
| UtahUtah | $101.51 | $51.27 |
| VirginiaVirginia | $103.84 | $51.31 |
| Virgin Islands, VIUnited States Virgin Islands | $106.58 | $52.55 |
| VermontVermont | $103.72 | $50.81 |
| Rest of WashingtonWashington | $109.21 | $52.94 |
| King County, WAWashington | $122.48 | $56.90 |
| WisconsinWisconsin | $100.95 | $49.76 |
| West VirginiaWest Virginia | $98.29 | $51.85 |
| WyomingWyoming | $105.10 | $51.66 |
64420 rates by state
Office rate range in each state. Select a state to see its payment localities.
Explore a state
Local rates. Clear comparisons.
Hover or focus a tile to see its rate range. Select it to open the state’s fee schedule.
$94.86
$126.47
Color shows the midpoint of each state’s locality range.
View every state and territory as a table
| State / territory | Office rate range | Localities |
|---|---|---|
| AK | $126.47 | 1 |
| AL | $96.10 | 1 |
| AR | $94.86 | 1 |
| AZ | $103.35 | 1 |
| CA | $111.59–$138.31 | 29 |
| CO | $109.98 | 1 |
| CT | $112.43 | 1 |
| DC | $120.18 | 1 |
| DE | $104.94 | 1 |
| FL | $104.41–$113.26 | 3 |
| GA | $99.14–$107.68 | 2 |
| GU | $113.90 | 1 |
| HI | $113.90 | 1 |
| IA | $98.30 | 1 |
| ID | $98.87 | 1 |
| IL | $101.67–$110.36 | 4 |
| IN | $99.39 | 1 |
| KS | $97.88 | 1 |
| KY | $98.10 | 1 |
| LA | $97.96–$102.29 | 2 |
| MA | $109.43–$120.14 | 2 |
| MD | $106.80–$120.18 | 3 |
| ME | $99.32–$104.16 | 2 |
| MI | $100.37–$105.57 | 2 |
| MN | $105.73 | 1 |
| MO | $96.45–$102.63 | 3 |
| MS | $95.67 | 1 |
| MT | $105.87 | 1 |
| NC | $100.25 | 1 |
| ND | $104.10 | 1 |
| NE | $98.79 | 1 |
| NH | $108.29 | 1 |
| NJ | $113.81–$119.14 | 2 |
| NM | $100.86 | 1 |
| NV | $105.45 | 1 |
| NY | $101.60–$123.52 | 5 |
| OH | $100.01 | 1 |
| OK | $97.96 | 1 |
| OR | $104.72–$113.20 | 2 |
| PA | $100.16–$109.87 | 2 |
| PR | $106.58 | 1 |
| RI | $108.46 | 1 |
| SC | $100.28 | 1 |
| SD | $103.88 | 1 |
| TN | $98.32 | 1 |
| TX | $99.57–$109.54 | 8 |
| UT | $101.51 | 1 |
| VA | $103.84–$120.18 | 2 |
| VI | $106.58 | 1 |
| VT | $103.72 | 1 |
| WA | $109.21–$122.48 | 2 |
| WI | $100.95 | 1 |
| WV | $98.29 | 1 |
| WY | $105.10 | 1 |
How the 64420 rate is calculated
Each of 64420’s three RVUs is multiplied by a geographic index (GPCI) for the payment locality, added up, and multiplied by the conversion factor. Drag the indexes or enter a ZIP to see what moves the rate.
How the rate is built · 64420
RVUs × geographic indexes × conversion factor
Work1.05
1.05 RVUs× 1.000 GPCI
Practice expense2.03
2.03 RVUs× 1.000 GPCI
Malpractice0.09
0.09 RVUs× 1.000 GPCI
Adjusted RVUs
3.1700
Conversion factor
$33.4009
Medicare rate
$105.88
Every GPCI starts at 1.000, the national rate. Enter a ZIP or drag a slider.
The exact Austin, TX inputs and CMS source lines
PPRRVU2026_Oct_nonQPP.csv
7,103
- Code
- 64420
- Physician work
- 1.05
- Practice expense
- 2.03
- Malpractice
- 0.09
GPCI2026.csv
96
- Locality
- Austin, TX
- Physician work
- 1.002
- Practice expense
- 1.058
- Malpractice
- 0.886
| Component | RVU | Locality factor | Adjusted |
|---|---|---|---|
| Physician work | 1.05 | × 1.002 | 1.0521 |
| Practice expense | 2.03 | × 1.058 | 2.1477 |
| Malpractice | 0.09 | × 0.886 | 0.0797 |
| Total RVUs | 3.2796 | ||
| Conversion factor | × 33.4009 | ||
Office rate, Austin, TX$109.54
Office: (1.05 × 1.002 + 2.03 × 1.058 + 0.09 × 0.886) × $33.4009 = $109.54
Facility: (1.05 × 1.002 + 0.43 × 1.058 + 0.09 × 0.886) × $33.4009 = $53.00
Payment rules and modifiers for 64420
The CMS indicators that decide how 64420 is paid alongside other services.
CMS payment indicators · 64420
Intercostal block, single nerve
| Rule | CMS value | What it means |
|---|---|---|
| Global period | 000 | Same-day global: pre- and post-op care on the day of the procedure is included. |
| Multiple procedures | 2 | Standard reduction: highest-valued procedure at 100%, others at 50%. |
| Bilateral (modifier 50) | 1 | Bilateral with modifier 50 pays 150% of the fee schedule amount. |
| Assistant at surgery (80/81/82/AS) | 1 | Not paid (statutory restriction). |
| Co-surgeons (62) | 0 | Not permitted. |
| Team surgery (66) | 0 | Not permitted. |
| Professional/technical | 0 | Physician service: no professional/technical split. |
What modifiers do to the payment
Modifier 50 · payment effect
With and without the modifier
64420 without 50 · national office
$105.88
Intercostal block, single nerve
64420-50 · Bilateral: 150%
$158.82
Both sides on one line with modifier 50 are paid at 150% of the fee schedule amount (subject to multiple-procedure rules with other procedures).
How 64420 has changed in Austin, TX
64420 · Office / nonfacility
$109.54
Effective 2026-10-01
The base rate is $11.85 higher than on 2025-10-01, moving from $97.69 to $109.54 (12.1%).
It is unchanged from the immediately preceding available release, effective 2026-07-01.
One bar per available release, ordered by effective date. Missing rates remain gaps. These comparisons hold the code, setting and locality identifiers constant; they do not isolate which policy or input caused a change.
What changed, release by release
January 1, 2026
RVU26A
$97.69changed to$109.54
- Conversion factor 32.3465 changed to 33.4009
- Work RVU 1.08 changed to 1.05
- Practice expense RVU 1.75 changed to 2.03
- Malpractice RVU 0.12 changed to 0.09
- Work GPCI 1.000 changed to 1.002
- Practice expense GPCI 1.046 changed to 1.058
- Malpractice GPCI 0.914 changed to 0.886
Held through RVU26B, RVU26C, RVU26D.
January 1, 2025
RVU25A
$100.27changed to$97.69
- Conversion factor 33.2875 changed to 32.3465
- Practice expense RVU 1.76 changed to 1.75
- Malpractice RVU 0.10 changed to 0.12
Held through RVU25B, RVU25C, RVU25D.
March 9, 2024
RVU24AR
$98.64changed to$100.27
- Conversion factor 32.7442 changed to 33.2875
Held through RVU24B, RVU24C, RVU24D.
January 1, 2024
RVU24A
$100.79changed to$98.64
- Conversion factor 33.8872 changed to 32.7442
- Practice expense RVU 1.73 changed to 1.76
- Practice expense GPCI 1.053 changed to 1.046
- Malpractice GPCI 0.727 changed to 0.914
January 1, 2023
RVU23A
$102.09changed to$100.79
- Conversion factor 34.6062 changed to 33.8872
- Practice expense RVU 1.71 changed to 1.73
- Malpractice RVU 0.11 changed to 0.10
- Practice expense GPCI 1.059 changed to 1.053
- Malpractice GPCI 0.539 changed to 0.727
Held through RVU23B, RVU23C, RVU23D.
January 1, 2022
RVU22A
$104.42changed to$102.09
- Conversion factor 34.8931 changed to 34.6062
- Practice expense RVU 1.75 changed to 1.71
Held through RVU22B, RVU22C, RVU22D.
January 1, 2021
RVU21A
$103.83changed to$104.42
- Conversion factor 36.0896 changed to 34.8931
- Practice expense RVU 1.66 changed to 1.75
- Practice expense GPCI 1.040 changed to 1.059
- Malpractice GPCI 0.643 changed to 0.539
Held through RVU21B, RVU21C, RVU21D.
January 1, 2020
RVU20A
$113.93changed to$103.83
- Conversion factor 36.0391 changed to 36.0896
- Work RVU 1.18 changed to 1.08
- Practice expense RVU 1.86 changed to 1.66
- Practice expense GPCI 1.021 changed to 1.040
- Malpractice GPCI 0.747 changed to 0.643
Held through RVU20B, RVU20C, RVU20D.
January 1, 2019
RVU19A
$114.91changed to$113.93
- Conversion factor 35.9996 changed to 36.0391
- Practice expense RVU 1.89 changed to 1.86
Held through RVU19B, RVU19C, RVU19D.
January 1, 2018
RVU18AR1
$113.43changed to$114.91
- Conversion factor 35.8887 changed to 35.9996
- Practice expense RVU 1.86 changed to 1.89
- Practice expense GPCI 1.020 changed to 1.021
- Malpractice GPCI 0.757 changed to 0.747
Held through RVU18B, RVU18C, RVU18D.
January 1, 2017
RVU17A
$114.95changed to$113.43
- Conversion factor 35.8043 changed to 35.8887
- Practice expense RVU 1.91 changed to 1.86
- Practice expense GPCI 1.019 changed to 1.020
- Malpractice GPCI 0.766 changed to 0.757
Held through RVU17B, RVU17C, RVU17D.
January 1, 2016
RVU16A
$115.37changed to$114.95
- Conversion factor 35.9335 changed to 35.8043
Held through RVU16B, RVU16C, RVU16D.
July 1, 2015
RVU15C
$114.79changed to$115.37
- Conversion factor 35.7547 changed to 35.9335
Held through RVU15D.
January 1, 2015
RVU15A
$114.64changed to$114.79
- Conversion factor 35.8228 changed to 35.7547
- Practice expense GPCI 1.014 changed to 1.019
- Malpractice GPCI 0.759 changed to 0.766
Held through RVU15B.
January 1, 2014
RVU14A
$117.02changed to$114.64
- Conversion factor 34.0230 changed to 35.8228
- Practice expense RVU 2.15 changed to 1.91
- Malpractice RVU 0.12 changed to 0.11
- Practice expense GPCI 1.009 changed to 1.014
- Malpractice GPCI 0.751 changed to 0.759
Held through RVU14B, RVU14C, RVU14D.
January 1, 2013
RVU13AR
Earliest loaded release: $117.02
Held through RVU13B, RVU13C, RVU13D.
| Effective from | Office | Facility | CMS release |
|---|---|---|---|
| 2026-10-01 | $109.54 | $53.00 | RVU26D |
| 2026-07-01 | $109.54 | $53.00 | RVU26C |
| 2026-04-01 | $109.54 | $53.00 | RVU26B |
| 2026-01-01 | $109.54 | $53.00 | RVU26A |
| 2025-10-01 | $97.69 | $57.43 | RVU25D |
| 2025-07-01 | $97.69 | $57.43 | RVU25C |
| 2025-04-01 | $97.69 | $57.43 | RVU25B |
| 2025-01-01 | $97.69 | $57.43 | RVU25A |
| 2024-10-01 | $100.27 | $58.14 | RVU24D |
| 2024-07-01 | $100.27 | $58.14 | RVU24C |
| 2024-04-01 | $100.27 | $58.14 | RVU24B |
| 2024-03-09 | $100.27 | $58.14 | RVU24AR |
| 2024-01-01 | $98.64 | $57.19 | RVU24A |
| 2023-10-01 | $100.79 | $58.69 | RVU23D |
| 2023-07-01 | $100.79 | $58.69 | RVU23C |
| 2023-04-01 | $100.79 | $58.69 | RVU23B |
| 2023-01-01 | $100.79 | $58.69 | RVU23A |
| 2022-10-01 | $102.09 | $59.22 | RVU22D |
| 2022-07-01 | $102.09 | $59.22 | RVU22C |
| 2022-04-01 | $102.09 | $59.22 | RVU22B |
| 2022-01-01 | $102.09 | $59.22 | RVU22A |
| 2021-10-01 | $104.42 | $59.71 | RVU21D |
| 2021-07-01 | $104.42 | $59.71 | RVU21C |
| 2021-04-01 | $104.42 | $59.71 | RVU21B |
| 2021-01-01 | $104.42 | $59.71 | RVU21A |
| 2020-10-01 | $103.83 | $61.42 | RVU20D |
| 2020-07-01 | $103.83 | $61.42 | RVU20C |
| 2020-04-01 | $103.83 | $61.42 | RVU20B |
| 2020-01-01 | $103.83 | $61.42 | RVU20A |
| 2019-10-01 | $113.93 | $68.67 | RVU19D |
| 2019-07-01 | $113.93 | $68.67 | RVU19C |
| 2019-04-01 | $113.93 | $68.67 | RVU19B |
| 2019-01-01 | $113.93 | $68.67 | RVU19A |
| 2018-10-01 | $114.91 | $68.96 | RVU18D |
| 2018-07-01 | $114.91 | $68.96 | RVU18C |
| 2018-04-01 | $114.91 | $68.96 | RVU18B |
| 2018-01-01 | $114.91 | $68.96 | RVU18AR1 |
| 2017-10-01 | $113.43 | $69.13 | RVU17D |
| 2017-07-01 | $113.43 | $69.13 | RVU17C |
| 2017-04-01 | $113.43 | $69.13 | RVU17B |
| 2017-01-01 | $113.43 | $69.13 | RVU17A |
| 2016-10-01 | $114.95 | $69.71 | RVU16D |
| 2016-07-01 | $114.95 | $69.71 | RVU16C |
| 2016-04-01 | $114.95 | $69.71 | RVU16B |
| 2016-01-01 | $114.95 | $69.71 | RVU16A |
| 2015-10-01 | $115.37 | $69.60 | RVU15D |
| 2015-07-01 | $115.37 | $69.60 | RVU15C |
| 2015-04-01 | $114.79 | $69.25 | RVU15B |
| 2015-01-01 | $114.79 | $69.25 | RVU15A |
| 2014-10-01 | $114.64 | $69.96 | RVU14D |
| 2014-07-01 | $114.64 | $69.96 | RVU14C |
| 2014-04-01 | $114.64 | $69.96 | RVU14B |
| 2014-01-01 | $114.64 | $69.96 | RVU14A |
| 2013-10-01 | $117.02 | $69.30 | RVU13D |
| 2013-07-01 | $117.02 | $69.30 | RVU13C |
| 2013-04-01 | $117.02 | $69.30 | RVU13B |
| 2013-01-01 | $117.02 | $69.30 | RVU13AR |
Where the Austin, TX rate applies
Austin, TX is a Medicare payment area, not a city. Our Census mapping connects it to 31 cities and communities in Texas. Some span more than one payment area; confirm with the service ZIP.
- 64420 in Austin · multiple payment areas
- Barton Creek
- Bee Cave
- Briarcliff
- 64420 in Cedar Park · multiple payment areas
- 64420 in Creedmoor · multiple payment areas
- 64420 in Elgin · multiple payment areas
- Garfield
64420 billing questions
When should I use 64420 instead of 64421?
Use 64420 for the first, single intercostal nerve treated. Report 64421 for each additional intercostal nerve blocked in the same session.
How is bilateral treatment reported?
For bilateral treatment, report modifier 50. CMS pays the bilateral procedure at 150%.
What documentation supports 64420?
Document the indication, side and intercostal nerve or level treated, medication and technique, and the patient's response.
Is same-day postoperative care included?
Yes. The 0-day global period includes same-day preoperative and postoperative care.
How does the multiple-procedure reduction affect 64420?
When it is performed with other procedures in the same session, the highest-valued procedure is paid in full and the others receive the standard 50% reduction.
Where these rates come from
FeeBase calculates base physician payments from CMS work, practice-expense and malpractice RVUs, adjusted by each locality’s geographic indexes and the conversion factor. Services without a published rate are labeled, never given a made-up amount. Amounts are Medicare allowed amounts before claim adjustments: not a patient’s bill or a commercial rate.
CMS RVU26D · effective Oct 1, 2026 through the day before Jan 1, 2027
Show the CMS file lines behind this rate
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