CPT code 65860: Laser adhesion release, anterior segment of eye2026 Medicare rate & RVUs in Montana
Reports laser treatment that severs adhesions in the eye’s anterior segment, such as when an ophthalmologist treats adhesions affecting anterior-segment structures.
In Montana, Medicare pays $309.94 for 65860 in the office and $209.07 when it’s performed in a hospital or facility.
Check a contract rate as a % of Medicare · 65860 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 65860 covers
An ophthalmologist uses a laser to sever adhesions within the anterior segment of the eye. The service is selected for laser treatment of these adhesions, not for an incisional approach. It may be performed in an ophthalmology office or a facility, depending on the patient and procedure setting.
Report the service when the documented work supports laser severing of anterior-segment adhesions. The record should identify the treated eye, the adhesions and structures involved, the clinical reason for treatment, and the laser procedure performed. CMS assigns a 90-day global period, including the day-before preoperative visit and 90 days of related postoperative care. When multiple procedures are performed in the same session, the highest-valued procedure is paid in full and other procedures are subject to the standard multiple-procedure reduction. Bilateral reporting with modifier 50 is paid at 150%. Assistant-at-surgery payment requires documented medical necessity; 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 Montana compares for 65860
Across 109 of 109 payment localities, the office rate for 65860 runs from $279.64 in Arkansas to $399.98 in San Benito County, CA. Montana pays $309.94. The RVUs are the same everywhere; the geographic indexes change the dollars.
- Montana · this page$309.94
- Los Angeles, CA · California$345.40+$35.46
- Washington, DC area · District of Columbia$350.05+$40.11
- Miami, FL · Florida$331.29+$21.35
- Chicago, IL · Illinois$323.38+$13.44
- Manhattan, NY · New York$352.54+$42.60
- Alaska · Alaska$376.33+$66.39
Other areas in Montana first, then benchmark localities. Bars start at $0.
Every other payment area
| Payment locality | Office | Facility |
|---|---|---|
| AlabamaAlabama | $283.04 | $194.78 |
| ArkansasArkansas | $279.64 | $192.99 |
| ArizonaArizona | $302.96 | $205.21 |
| Bakersfield, CACalifornia | $326.32 | $215.77 |
| Chico, CACalifornia | $325.43 | $214.88 |
| El Centro, CACalifornia | $325.48 | $214.92 |
| Fresno, CACalifornia | $325.43 | $214.88 |
| Hanford, CACalifornia | $325.43 | $214.88 |
| Madera, CACalifornia | $325.43 | $214.88 |
| Merced, CACalifornia | $325.43 | $214.88 |
| Modesto, CACalifornia | $325.43 | $214.88 |
| Napa, CACalifornia | $371.41 | $238.47 |
| Oxnard, CACalifornia | $343.33 | $224.10 |
| Redding, CACalifornia | $325.43 | $214.88 |
| Rest of CaliforniaCalifornia | $325.43 | $214.88 |
| Riverside, CACalifornia | $328.41 | $217.85 |
| Sacramento, CACalifornia | $339.98 | $222.67 |
| Salinas, CACalifornia | $338.66 | $221.75 |
| San Diego, CACalifornia | $345.41 | $224.77 |
| Marin County, CACalifornia | $391.64 | $249.42 |
| San Francisco, CACalifornia | $391.34 | $249.11 |
| San Benito County, CACalifornia | $399.98 | $254.52 |
| Santa Clara County, CACalifornia | $398.73 | $253.27 |
| San Luis Obispo, CACalifornia | $333.34 | $218.45 |
| Santa Cruz, CACalifornia | $347.80 | $225.24 |
| Santa Maria, CACalifornia | $339.60 | $221.98 |
| Santa Rosa, CACalifornia | $351.24 | $227.37 |
| Stockton, CACalifornia | $325.43 | $214.88 |
| Vallejo, CACalifornia | $370.97 | $238.02 |
| Visalia, CACalifornia | $325.43 | $214.88 |
| Yuba City, CACalifornia | $325.43 | $214.88 |
| ColoradoColorado | $321.17 | $213.84 |
| ConnecticutConnecticut | $328.36 | $219.73 |
| DelawareDelaware | $307.43 | $207.77 |
| Fort Lauderdale, FLFlorida | $319.64 | $217.46 |
| Rest of FloridaFlorida | $306.40 | $209.97 |
| Atlanta, GAGeorgia | $315.07 | $212.58 |
| Rest of GeorgiaGeorgia | $291.82 | $201.84 |
| Hawaii, Guam, HIHawaii | $331.38 | $216.69 |
| IowaIowa | $288.88 | $196.58 |
| IdahoIdaho | $290.48 | $197.68 |
| East St. Louis, ILIllinois | $304.38 | $211.58 |
| Rest of IllinoisIllinois | $299.03 | $206.93 |
| Suburban Chicago, ILIllinois | $322.71 | $219.12 |
| IndianaIndiana | $291.89 | $198.38 |
| KansasKansas | $287.82 | $196.63 |
| KentuckyKentucky | $288.77 | $199.09 |
| New Orleans, LALouisiana | $300.33 | $205.41 |
| Rest of LouisianaLouisiana | $288.42 | $199.15 |
| Metropolitan Boston, MAMassachusetts | $349.46 | $229.03 |
| Rest of MassachusettsMassachusetts | $319.75 | $213.54 |
| Baltimore area, MDMaryland | $327.40 | $219.17 |
| Rest of MarylandMaryland | $312.60 | $210.52 |
| Rest of MaineMaine | $291.83 | $199.03 |
| Southern Maine, MEMaine | $304.98 | $205.01 |
| Detroit, MIMichigan | $309.71 | $212.37 |
| Rest of MichiganMichigan | $295.11 | $203.02 |
| MinnesotaMinnesota | $308.95 | $205.15 |
| Metropolitan Kansas City, MOMissouri | $298.53 | $203.81 |
| Metropolitan St. Louis, MOMissouri | $301.14 | $205.12 |
| Rest of MissouriMissouri | $284.33 | $197.38 |
| MississippiMississippi | $282.03 | $195.18 |
| North CarolinaNorth Carolina | $294.37 | $200.26 |
| North DakotaNorth Dakota | $304.60 | $203.73 |
| NebraskaNebraska | $290.18 | $197.08 |
| New HampshireNew Hampshire | $316.38 | $211.37 |
| Northern New JerseyNew Jersey | $347.38 | $230.37 |
| Rest of New JerseyNew Jersey | $332.44 | $222.29 |
| New MexicoNew Mexico | $296.50 | $204.00 |
| NevadaNevada | $308.64 | $207.67 |
| NYC suburbs and Long Island, NYNew York | $359.95 | $240.02 |
| Poughkeepsie and northern NYC suburbs, NYNew York | $334.60 | $224.15 |
| Queens, NYNew York | $354.92 | $235.69 |
| Rest of New YorkNew York | $298.08 | $202.25 |
| OhioOhio | $294.02 | $201.93 |
| OklahomaOklahoma | $288.26 | $198.18 |
| Portland, OROregon | $329.95 | $217.88 |
| Rest of OregonOregon | $306.55 | $206.08 |
| Metropolitan Philadelphia, PAPennsylvania | $321.35 | $216.34 |
| Rest of PennsylvaniaPennsylvania | $294.37 | $201.77 |
| Puerto RicoPuerto Rico | $311.85 | $209.87 |
| Rhode IslandRhode Island | $317.28 | $213.08 |
| South CarolinaSouth Carolina | $294.62 | $201.42 |
| South DakotaSouth Dakota | $303.97 | $203.10 |
| TennesseeTennessee | $289.04 | $197.35 |
| Austin, TXTexas | $319.84 | $213.12 |
| Beaumont, TXTexas | $292.76 | $200.96 |
| Brazoria, TXTexas | $307.26 | $207.29 |
| Dallas, TXTexas | $309.00 | $208.53 |
| Fort Worth, TXTexas | $307.27 | $207.81 |
| Galveston, TXTexas | $308.06 | $207.89 |
| Houston, TXTexas | $313.00 | $212.83 |
| Rest of TexasTexas | $299.70 | $203.97 |
| UtahUtah | $298.00 | $203.18 |
| VirginiaVirginia | $304.18 | $205.02 |
| Virgin Islands, VIUnited States Virgin Islands | $311.85 | $209.87 |
| VermontVermont | $303.66 | $203.80 |
| Rest of WashingtonWashington | $319.08 | $212.86 |
| King County, WAWashington | $355.93 | $232.16 |
| WisconsinWisconsin | $295.99 | $199.36 |
| West VirginiaWest Virginia | $289.74 | $202.08 |
| WyomingWyoming | $307.62 | $206.74 |
65860 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.
$279.64
$376.33
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 | $376.33 | 1 |
| AL | $283.04 | 1 |
| AR | $279.64 | 1 |
| AZ | $302.96 | 1 |
| CA | $325.43–$399.98 | 29 |
| CO | $321.17 | 1 |
| CT | $328.36 | 1 |
| DC | $350.05 | 1 |
| DE | $307.43 | 1 |
| FL | $306.40–$331.29 | 3 |
| GA | $291.82–$315.07 | 2 |
| GU | $331.38 | 1 |
| HI | $331.38 | 1 |
| IA | $288.88 | 1 |
| ID | $290.48 | 1 |
| IL | $299.03–$323.38 | 4 |
| IN | $291.89 | 1 |
| KS | $287.82 | 1 |
| KY | $288.77 | 1 |
| LA | $288.42–$300.33 | 2 |
| MA | $319.75–$349.46 | 2 |
| MD | $312.60–$350.05 | 3 |
| ME | $291.83–$304.98 | 2 |
| MI | $295.11–$309.71 | 2 |
| MN | $308.95 | 1 |
| MO | $284.33–$301.14 | 3 |
| MS | $282.03 | 1 |
| MT | $309.94 | 1 |
| NC | $294.37 | 1 |
| ND | $304.60 | 1 |
| NE | $290.18 | 1 |
| NH | $316.38 | 1 |
| NJ | $332.44–$347.38 | 2 |
| NM | $296.50 | 1 |
| NV | $308.64 | 1 |
| NY | $298.08–$359.95 | 5 |
| OH | $294.02 | 1 |
| OK | $288.26 | 1 |
| OR | $306.55–$329.95 | 2 |
| PA | $294.37–$321.35 | 2 |
| PR | $311.85 | 1 |
| RI | $317.28 | 1 |
| SC | $294.62 | 1 |
| SD | $303.97 | 1 |
| TN | $289.04 | 1 |
| TX | $292.76–$319.84 | 8 |
| UT | $298.00 | 1 |
| VA | $304.18–$350.05 | 2 |
| VI | $311.85 | 1 |
| VT | $303.66 | 1 |
| WA | $319.08–$355.93 | 2 |
| WI | $295.99 | 1 |
| WV | $289.74 | 1 |
| WY | $307.62 | 1 |
How the 65860 rate is calculated
Each of 65860’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 · 65860
RVUs × geographic indexes × conversion factor
Work3.50
3.50 RVUs× 1.000 GPCI
Practice expense5.51
5.51 RVUs× 1.000 GPCI
Malpractice0.27
0.27 RVUs× 1.000 GPCI
Adjusted RVUs
9.2800
Conversion factor
$33.4009
Medicare rate
$309.96
Every GPCI starts at 1.000, the national rate. Enter a ZIP or drag a slider.
The exact Montana inputs and CMS source lines
PPRRVU2026_Oct_nonQPP.csv
7,352
- Code
- 65860
- Physician work
- 3.50
- Practice expense
- 5.51
- Malpractice
- 0.27
GPCI2026.csv
71
- Locality
- Montana
- Physician work
- 1.000
- Practice expense
- 1.000
- Malpractice
- 0.998
| Component | RVU | Locality factor | Adjusted |
|---|---|---|---|
| Physician work | 3.50 | × 1.000 | 3.5000 |
| Practice expense | 5.51 | × 1.000 | 5.5100 |
| Malpractice | 0.27 | × 0.998 | 0.2695 |
| Total RVUs | 9.2795 | ||
| Conversion factor | × 33.4009 | ||
Office rate, Montana$309.94
Office: (3.5 × 1 + 5.51 × 1 + 0.27 × 0.998) × $33.4009 = $309.94
Facility: (3.5 × 1 + 2.49 × 1 + 0.27 × 0.998) × $33.4009 = $209.07
Payment rules and modifiers for 65860
65860 has a 90-day global period: related visits in that window are included in the surgery payment.
CMS payment indicators · 65860
Laser adhesion release, anterior segment of eye
| Rule | CMS value | What it means |
|---|---|---|
| Global period | 090 | Major surgery: the day before, the day of, and 90 days after are 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) | 0 | Not paid without supporting documentation. |
| Co-surgeons (62) | 0 | Not permitted. |
| Team surgery (66) | 0 | Not permitted. |
| Professional/technical | 0 | Physician service: no professional/technical split. |
| Split (54/55/56) | 0.10/0.70/0.20 | Share of the payment for pre-op, the procedure itself, and post-op care. |
Global surgery period · 65860
Laser adhesion release, anterior segment of eye
90-day global period ends
Dec 30, 2026
Covers Sep 30, 2026 through Dec 30, 2026 (92 days, including the day before surgery).
Visit on Oct 31, 2026
Day 30 of the 90-day post-op period: related follow-up care is included in the surgical payment.
Pre-op dayGlobal period
What modifiers do to the payment
Modifier 50 · payment effect
With and without the modifier
65860 without 50 · national office
$309.96
Laser adhesion release, anterior segment of eye
65860-50 · Bilateral: 150%
$464.94
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 65860 has changed in Montana
65860 · Office / nonfacility
$309.94
Effective 2026-10-01
The base rate is $14.82 higher than on 2025-10-01, moving from $295.12 to $309.94 (5.0%).
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
$295.12changed to$309.94
- Conversion factor 32.3465 changed to 33.4009
- Work RVU 3.59 changed to 3.50
- Practice expense RVU 5.26 changed to 5.51
- Malpractice RVU 0.28 changed to 0.27
- Malpractice GPCI 0.978 changed to 0.998
Held through RVU26B, RVU26C, RVU26D.
January 1, 2025
RVU25A
$305.37changed to$295.12
- Conversion factor 33.2875 changed to 32.3465
- Practice expense RVU 5.30 changed to 5.26
- Malpractice RVU 0.29 changed to 0.28
Held through RVU25B, RVU25C, RVU25D.
March 9, 2024
RVU24AR
$300.38changed to$305.37
- Conversion factor 32.7442 changed to 33.2875
Held through RVU24B, RVU24C, RVU24D.
January 1, 2024
RVU24A
$307.83changed to$300.38
- Conversion factor 33.8872 changed to 32.7442
- Practice expense RVU 5.23 changed to 5.30
- Malpractice RVU 0.27 changed to 0.29
January 1, 2023
RVU23A
$310.20changed to$307.83
- Conversion factor 34.6062 changed to 33.8872
- Practice expense RVU 5.11 changed to 5.23
- Malpractice GPCI 0.977 changed to 0.978
Held through RVU23B, RVU23C, RVU23D.
January 1, 2022
RVU22A
$313.48changed to$310.20
- Conversion factor 34.8931 changed to 34.6062
- Practice expense RVU 5.14 changed to 5.11
- Malpractice RVU 0.26 changed to 0.27
Held through RVU22B, RVU22C, RVU22D.
January 1, 2021
RVU21A
$319.47changed to$313.48
- Conversion factor 36.0896 changed to 34.8931
- Practice expense RVU 4.91 changed to 5.14
- Malpractice RVU 0.27 changed to 0.26
- Malpractice GPCI 1.304 changed to 0.977
Held through RVU21B, RVU21C, RVU21D.
January 1, 2020
RVU20A
$323.42changed to$319.47
- Conversion factor 36.0391 changed to 36.0896
- Practice expense RVU 4.96 changed to 4.91
- Malpractice RVU 0.26 changed to 0.27
- Malpractice GPCI 1.631 changed to 1.304
Held through RVU20B, RVU20C, RVU20D.
January 1, 2019
RVU19A
$323.78changed to$323.42
- Conversion factor 35.9996 changed to 36.0391
- Practice expense RVU 4.98 changed to 4.96
Held through RVU19B, RVU19C, RVU19D.
January 1, 2018
RVU18AR1
$317.31changed to$323.78
- Conversion factor 35.8887 changed to 35.9996
- Practice expense RVU 4.88 changed to 4.98
- Malpractice GPCI 1.429 changed to 1.631
Held through RVU18B, RVU18C, RVU18D.
January 1, 2017
RVU17A
$314.68changed to$317.31
- Conversion factor 35.8043 changed to 35.8887
- Malpractice GPCI 1.226 changed to 1.429
Held through RVU17B, RVU17C, RVU17D.
January 1, 2016
RVU16A
$315.89changed to$314.68
- Conversion factor 35.9335 changed to 35.8043
- Practice expense RVU 4.87 changed to 4.88
- Malpractice RVU 0.27 changed to 0.26
Held through RVU16B, RVU16C, RVU16D.
July 1, 2015
RVU15C
$314.32changed to$315.89
- Conversion factor 35.7547 changed to 35.9335
Held through RVU15D.
January 1, 2015
RVU15A
$356.00changed to$314.32
- Conversion factor 35.8228 changed to 35.7547
- Practice expense RVU 4.88 changed to 4.87
- Malpractice RVU 1.26 changed to 0.27
- Malpractice GPCI 1.165 changed to 1.226
Held through RVU15B.
January 1, 2014
RVU14A
$352.68changed to$356.00
- Conversion factor 34.0230 changed to 35.8228
- Practice expense RVU 5.32 changed to 4.88
- Malpractice RVU 1.32 changed to 1.26
- Malpractice GPCI 1.103 changed to 1.165
Held through RVU14B, RVU14C, RVU14D.
January 1, 2013
RVU13AR
Earliest loaded release: $352.68
Held through RVU13B, RVU13C, RVU13D.
| Effective from | Office | Facility | CMS release |
|---|---|---|---|
| 2026-10-01 | $309.94 | $209.07 | RVU26D |
| 2026-07-01 | $309.94 | $209.07 | RVU26C |
| 2026-04-01 | $309.94 | $209.07 | RVU26B |
| 2026-01-01 | $309.94 | $209.07 | RVU26A |
| 2025-10-01 | $295.12 | $238.84 | RVU25D |
| 2025-07-01 | $295.12 | $238.84 | RVU25C |
| 2025-04-01 | $295.12 | $238.84 | RVU25B |
| 2025-01-01 | $295.12 | $238.84 | RVU25A |
| 2024-10-01 | $305.37 | $245.45 | RVU24D |
| 2024-07-01 | $305.37 | $245.45 | RVU24C |
| 2024-04-01 | $305.37 | $245.45 | RVU24B |
| 2024-03-09 | $305.37 | $245.45 | RVU24AR |
| 2024-01-01 | $300.38 | $241.44 | RVU24A |
| 2023-10-01 | $307.83 | $246.84 | RVU23D |
| 2023-07-01 | $307.83 | $246.84 | RVU23C |
| 2023-04-01 | $307.83 | $246.84 | RVU23B |
| 2023-01-01 | $307.83 | $246.84 | RVU23A |
| 2022-10-01 | $310.20 | $247.91 | RVU22D |
| 2022-07-01 | $310.20 | $247.91 | RVU22C |
| 2022-04-01 | $310.20 | $247.91 | RVU22B |
| 2022-01-01 | $310.20 | $247.91 | RVU22A |
| 2021-10-01 | $313.48 | $249.63 | RVU21D |
| 2021-07-01 | $313.48 | $249.63 | RVU21C |
| 2021-04-01 | $313.48 | $249.63 | RVU21B |
| 2021-01-01 | $313.48 | $249.63 | RVU21A |
| 2020-10-01 | $319.47 | $259.56 | RVU20D |
| 2020-07-01 | $319.47 | $259.56 | RVU20C |
| 2020-04-01 | $319.47 | $259.56 | RVU20B |
| 2020-01-01 | $319.47 | $259.56 | RVU20A |
| 2019-10-01 | $323.42 | $264.67 | RVU19D |
| 2019-07-01 | $323.42 | $264.67 | RVU19C |
| 2019-04-01 | $323.42 | $264.67 | RVU19B |
| 2019-01-01 | $323.42 | $264.67 | RVU19A |
| 2018-10-01 | $323.78 | $266.18 | RVU18D |
| 2018-07-01 | $323.78 | $266.18 | RVU18C |
| 2018-04-01 | $323.78 | $266.18 | RVU18B |
| 2018-01-01 | $323.78 | $266.18 | RVU18AR1 |
| 2017-10-01 | $317.31 | $262.04 | RVU17D |
| 2017-07-01 | $317.31 | $262.04 | RVU17C |
| 2017-04-01 | $317.31 | $262.04 | RVU17B |
| 2017-01-01 | $317.31 | $262.04 | RVU17A |
| 2016-10-01 | $314.68 | $259.18 | RVU16D |
| 2016-07-01 | $314.68 | $259.18 | RVU16C |
| 2016-04-01 | $314.68 | $259.18 | RVU16B |
| 2016-01-01 | $314.68 | $259.18 | RVU16A |
| 2015-10-01 | $315.89 | $259.84 | RVU15D |
| 2015-07-01 | $315.89 | $259.84 | RVU15C |
| 2015-04-01 | $314.32 | $258.54 | RVU15B |
| 2015-01-01 | $314.32 | $258.54 | RVU15A |
| 2014-10-01 | $356.00 | $300.84 | RVU14D |
| 2014-07-01 | $356.00 | $300.84 | RVU14C |
| 2014-04-01 | $356.00 | $300.84 | RVU14B |
| 2014-01-01 | $356.00 | $300.84 | RVU14A |
| 2013-10-01 | $352.68 | $294.50 | RVU13D |
| 2013-07-01 | $352.68 | $294.50 | RVU13C |
| 2013-04-01 | $352.68 | $294.50 | RVU13B |
| 2013-01-01 | $352.68 | $294.50 | RVU13AR |
Where the Montana rate applies
Montana is a Medicare payment area, not a city. Our Census mapping connects it to 497 cities and communities in Montana. Some span more than one payment area; confirm with the service ZIP.
- Absarokee
- Acton
- Alberton
- Alder
- Alzada
- Amsterdam
- Anaconda-Deer Lodge County
- Antelope
65860 billing questions
How is this code distinguished from 65865?
This code describes laser severing of anterior-segment adhesions. Code 65865 is the surgical-technique counterpart, so choose based on the documented method.
Is this the same as laser trabeculoplasty?
No. This code treats adhesions in the anterior segment; 65855 treats the trabecular meshwork with laser surgery.
Does the 90-day global period include related postoperative care?
Yes. CMS includes the day-before preoperative visit and 90 days of related postoperative care in this code’s global period.
How should bilateral treatment be reported?
For a bilateral procedure, report modifier 50; CMS pays the bilateral procedure at 150%.
Can an assistant surgeon be paid for this service?
Assistant-at-surgery payment is available only when medical necessity is documented. CMS does not permit co-surgeons or team surgery for this code.
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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