Regency FX is the cheapest way to send money from the United Arab Emirates to Chile. Sending 25,000 AED will get you 6,577,569.46 CLP at 263.1028 CLP per AED.
We’ve compared 3 services and apps below in more detail.
| 3 of 3 providers Last updated on 10 November 2026 | |||
| Based on 25,000 AED transfer Best companies for AED/CLP transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee AED 279.09 1 AED = 263.5410 CLP +0.10% vs mid-market | Recipient gets $6,514,973.00 Same day | |
Ways to receive money in Chile with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer AED 279.091 AED = 263.5410 CLP $6,514,973.00You payAED 25,000.00 | |||
| Promoted  Regency FX Pay via Bank transfer | Fee AED 0.00 1 AED = 263.1028 CLP +0.27% vs mid-market | Recipient gets $6,577,569.46 Minutes - 24 hours | |
Ways to receive money in Chile with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 AED = 263.1028 CLP $6,577,569.46You payAED 25,000.00 | |||
Run a live search Showing top United Arab Emirates to Chile deals for 25,000 AED. Do a live search with your exact amount for today's best rates. | |||
Run a live search Showing companies that send from a business account. Run a business search to get live AED to CLP rates. | |||
Run a live search These companies offer multi-currency accounts for spending CLP. We suggest doing a live search based on how much AED you're planning to spend in Chile. | |||
Run a live search These are managed services with real human support for large AED transfers. Click the link and update the transfer amount to get the best deal. | |||
| Exclusive: First Transfer Deal Regency FX Pay via Bank transfer | Fee AED 0.00 1 AED = 263.1028 CLP +0.27% vs mid-market | Recipient gets $6,577,569.46 Minutes - 24 hours | |
Ways to receive money in Chile with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 AED = 263.1028 CLP $6,577,569.46You payAED 25,000.00 | |||
 OFX Pay via Bank transfer | Fee AED 0.00 1 AED = 262.4960 CLP +0.50% vs mid-market | Recipient gets $6,562,400.09 Minutes - 24 hours | |
Ways to receive money in Chile with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 AED = 262.4960 CLP $6,562,400.09You payAED 25,000.00 | |||
| Wise Pay via Bank transfer | Fee AED 279.09 1 AED = 263.5410 CLP +0.10% vs mid-market | Recipient gets $6,514,973.00 Same day | |
Ways to receive money in Chile with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer AED 279.091 AED = 263.5410 CLP $6,514,973.00You payAED 25,000.00 | |||
| How Our Results Work Mid-market rate: 1 AED = 263.8151 CLP Updates every 60 minutes. | |||
Transfer details
Start with the cheapest, which is Regency FX at 6,577,569.46 CLP on AED 25,000.
Regency FX was the cheapest on 25 of the 27 days it quoted AED25,000 transfers to Chile.
You have 1 ways to pay, including bank transfer.
Cash at an exchange house counter works, and so does the salary card your wages land on.
You'll need your Emirates ID every time, not just the first.
Registering takes a few minutes with a UAE number. Once it's done, repeat transfers to the same person take seconds.
How much AED you send to Chile heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.
Our analysis shows Regency FX was the cheapest in 93% of the transfers from AED 25,000 it quoted, and in 93% of all the transfers it quoted.
| Cheapest service | |||||
|---|---|---|---|---|---|
| AED 3,500 | 0.65% | AED 0.00 | $917,351.04with bank transfer to bank deposit | +$15,855.64 | |
| AED 7,500 | 0.65% | AED 0.00 | $1,965,752.22with bank transfer to bank deposit | +$37,481.85 | |
| AED 25,000This page | 0.27% | AED 0.00 | $6,577,569.46with bank transfer to bank deposit | +$25,921.94 | |
| AED 50,000 | 0.27% | AED 0.00 | $13,155,121.61with bank transfer to bank deposit | +$136,825.98 | |
| AED 200,000 | 0.25% | AED 0.00 | $52,631,049.21with bank transfer to bank deposit | +$547,255.70 | |
| AED 250,000 | 0.25% | AED 0.00 | $65,788,815.75with bank transfer to bank deposit | +$248,539.00 | |
| AED 350,000 | 0.25% | AED 0.00 | $92,104,439.46with bank transfer to bank deposit | +$345,005.55 | |
| AED 1,000,000 | 0.20% | AED 0.00 | $263,287,100.54with bank transfer to bank deposit | +$2,807,632.82 |
Mid-market rate: 1 AED = 263.8151 CLP
The cheapest way to send AED to CLP can change every day, or stay with the same company all month.
We've compared the mid-market rate with the cheapest option each day (today it's Regency FX), across 30 days of comparisons for 25,000 AED transfers to Chile.
Tue, 10 Nov 2026Mid-market rate$6,595,376.98 Regency FX $6,577,569.46Regency FX$6,577,569.46OFX$6,562,400.09Wise$6,514,973.00
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 265.9251 | – | $6,648,126.40 | |
| | 265.2071 | AED 0.00 | $6,630,176.46 | −$17,949.94 |
| | 264.5954 | AED 0.00 | $6,614,885.77 | −$33,240.63 |
| | 265.9170 | AED 279.03 | $6,573,726.00 | −$74,400.40 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 265.9490 | AED 279.03 | $6,574,517.00 | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 266.9322 | – | $6,673,306.18 | |
| | 266.2115 | AED 0.00 | $6,655,288.25 | −$18,017.93 |
| | 265.5976 | AED 0.00 | $6,639,939.64 | −$33,366.54 |
| | 267.5080 | AED 278.98 | $6,613,071.00 | −$60,235.18 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 268.3513 | – | $6,708,783.33 | |
| | 267.6268 | AED 0.00 | $6,690,669.61 | −$18,113.71 |
| | 267.0096 | AED 0.00 | $6,675,239.41 | −$33,543.92 |
| | 268.3130 | AED 278.96 | $6,632,976.00 | −$75,807.33 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 267.3056 | – | $6,682,640.88 | |
| | 266.5839 | AED 0.00 | $6,664,597.74 | −$18,043.13 |
| | 265.9691 | AED 0.00 | $6,649,227.67 | −$33,413.21 |
| | 267.2200 | AED 278.99 | $6,605,948.00 | −$76,692.88 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 266.6451 | – | $6,666,128.73 | |
| | 265.9252 | AED 0.00 | $6,648,130.18 | −$17,998.54 |
| | 265.3119 | AED 0.00 | $6,632,798.08 | −$33,330.64 |
| | 268.1410 | AED 278.97 | $6,628,722.00 | −$37,406.72 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 266.6451 | – | $6,666,128.73 | |
| | 265.9252 | AED 0.00 | $6,648,130.18 | −$17,998.54 |
| | 265.3119 | AED 0.00 | $6,632,798.08 | −$33,330.64 |
| | 268.1410 | AED 278.97 | $6,628,722.00 | −$37,406.72 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 267.1317 | – | $6,678,291.45 | |
| | 266.4104 | AED 0.00 | $6,660,260.06 | −$18,031.39 |
| | 265.7960 | AED 0.00 | $6,644,899.99 | −$33,391.46 |
| | 267.1150 | AED 278.99 | $6,603,353.00 | −$74,938.45 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 267.1554 | – | $6,678,885.40 | |
| | 266.4341 | AED 0.00 | $6,660,852.41 | −$18,032.99 |
| | 265.8196 | AED 0.00 | $6,645,490.97 | −$33,394.43 |
| | 267.1610 | AED 278.99 | $6,604,490.00 | −$74,395.40 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 265.5575 | – | $6,638,937.43 | |
| | 264.8405 | AED 0.00 | $6,621,012.29 | −$17,925.14 |
| | 264.2297 | AED 0.00 | $6,605,742.74 | −$33,194.69 |
| | 265.4540 | AED 279.04 | $6,562,278.00 | −$76,659.43 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 266.5324 | – | $6,663,309.10 | |
| | 265.8127 | AED 0.00 | $6,645,318.17 | −$17,990.93 |
| | 265.1997 | AED 0.00 | $6,629,992.55 | −$33,316.55 |
| | 267.2780 | AED 278.99 | $6,607,382.00 | −$55,927.10 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 268.4300 | – | $6,710,751.05 | |
| | 267.7053 | AED 0.00 | $6,692,632.02 | −$18,119.03 |
| | 267.0879 | AED 0.00 | $6,677,197.29 | −$33,553.76 |
| | 268.5000 | AED 278.96 | $6,637,599.00 | −$73,152.05 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 268.6068 | – | $6,715,169.85 | |
| | 271.0240 | AED 278.89 | $6,700,014.00 | −$15,155.85 |
| | 267.8816 | AED 0.00 | $6,697,038.89 | −$18,130.96 |
| | 267.2638 | AED 0.00 | $6,681,594.00 | −$33,575.85 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 268.6068 | – | $6,715,169.85 | |
| | 271.0240 | AED 278.89 | $6,700,014.00 | −$15,155.85 |
| | 267.8816 | AED 0.00 | $6,697,038.89 | −$18,130.96 |
| | 267.2638 | AED 0.00 | $6,681,594.00 | −$33,575.85 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 270.2600 | – | $6,756,500.85 | |
| | 269.5303 | AED 0.00 | $6,738,258.30 | −$18,242.55 |
| | 268.9087 | AED 0.00 | $6,722,718.35 | −$33,782.50 |
| | 270.9280 | AED 278.90 | $6,697,638.00 | −$58,862.85 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 269.2980 | AED 278.93 | $6,657,335.00 | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 268.4931 | – | $6,712,327.20 | |
| | 267.7682 | AED 0.00 | $6,694,203.92 | −$18,123.28 |
| | 267.1506 | AED 0.00 | $6,678,765.56 | −$33,561.64 |
| | 268.0100 | AED 278.97 | $6,625,483.00 | −$86,844.20 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 268.9012 | – | $6,722,529.98 | |
| | 268.7180 | AED 278.95 | $6,642,991.00 | −$79,538.98 |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 269.0592 | – | $6,726,480.25 | |
| | 268.3328 | AED 0.00 | $6,708,318.75 | −$18,161.50 |
| | 267.7139 | AED 0.00 | $6,692,847.85 | −$33,632.40 |
| | 268.9220 | AED 278.95 | $6,648,034.00 | −$78,446.25 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 270.3660 | – | $6,759,150.80 | |
| | 269.6360 | AED 0.00 | $6,740,901.09 | −$18,249.71 |
| | 269.0142 | AED 0.00 | $6,725,355.05 | −$33,795.75 |
| | 270.6460 | AED 278.90 | $6,690,667.00 | −$68,483.80 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 270.3660 | – | $6,759,150.80 | |
| | 269.6360 | AED 0.00 | $6,740,901.09 | −$18,249.71 |
| | 269.0142 | AED 0.00 | $6,725,355.05 | −$33,795.75 |
| | 270.6460 | AED 278.90 | $6,690,667.00 | −$68,483.80 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 270.5812 | – | $6,764,530.58 | |
| | 269.8507 | AED 0.00 | $6,746,266.34 | −$18,264.24 |
| | 269.2283 | AED 0.00 | $6,730,707.92 | −$33,822.66 |
| | 270.5600 | AED 278.90 | $6,688,541.00 | −$75,989.58 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 266.1813 | – | $6,654,531.75 | |
| | 265.4626 | AED 0.00 | $6,636,564.51 | −$17,967.24 |
| | 264.8504 | AED 0.00 | $6,621,259.09 | −$33,272.66 |
| | 266.1990 | AED 279.02 | $6,580,700.00 | −$73,831.75 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 267.3930 | – | $6,684,823.77 | |
| | 266.6710 | AED 0.00 | $6,666,774.75 | −$18,049.02 |
| | 266.0560 | AED 0.00 | $6,651,399.66 | −$33,424.11 |
| | 267.2200 | AED 278.99 | $6,605,948.00 | −$78,875.77 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 262.9006 | – | $6,572,515.02 | |
| | 262.1908 | AED 0.00 | $6,554,769.23 | −$17,745.79 |
| | 261.5861 | AED 0.00 | $6,539,652.45 | −$32,862.57 |
| | 263.1360 | AED 279.10 | $6,504,959.00 | −$67,556.02 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 266.2821 | – | $6,657,052.82 | |
| | 265.5632 | AED 0.00 | $6,639,078.78 | −$17,974.04 |
| | 264.9507 | AED 0.00 | $6,623,767.56 | −$33,285.26 |
| | 266.1280 | AED 279.02 | $6,578,945.00 | −$78,107.82 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 266.1637 | – | $6,654,093.03 | |
| | 265.4451 | AED 0.00 | $6,636,126.97 | −$17,966.06 |
| | 264.8329 | AED 0.00 | $6,620,822.56 | −$33,270.47 |
| | 265.8970 | AED 279.03 | $6,573,232.00 | −$80,861.03 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 267.3878 | – | $6,684,695.30 | |
| | 266.6659 | AED 0.00 | $6,666,646.62 | −$18,048.68 |
| | 266.0509 | AED 0.00 | $6,651,271.82 | −$33,423.48 |
| | 265.8970 | AED 279.03 | $6,573,232.00 | −$111,463.30 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 265.9332 | – | $6,648,329.68 | |
| | 265.2152 | AED 0.00 | $6,630,379.18 | −$17,950.50 |
| | 264.6035 | AED 0.00 | $6,615,088.03 | −$33,241.64 |
| | 265.9190 | AED 279.03 | $6,573,776.00 | −$74,553.67 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 263.8151 | – | $6,595,376.98 | |
| | 263.1028 | AED 0.00 | $6,577,569.46 | −$17,807.52 |
| | 262.4960 | AED 0.00 | $6,562,400.09 | −$32,976.89 |
| | 263.5410 | AED 279.09 | $6,514,973.00 | −$80,403.98 |
| Exchange rate | Fee | Recipient gets | Difference |
|---|
| Mid-market rate | 263.8151 | – | $6,595,376.98 | |
|---|---|---|---|---|
| | ||||
| | ||||
| |
Each line shows what the recipient gets when you send AED 25,000, after fees, as quoted by each company. The mid-market line shows what AED 25,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.
The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.
When the blue line goes above the dashed one, you're getting more CLP per AED than the mid-market rate can offer.
This could be due to money transfer offers, FX rate adjustments, or market competitiveness.
No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of CLP on every transfer from the UAE.
Right now, Regency FX pays 6,577,569.46 CLP on 25,000 AED, which is 17,807.52 CLP less than the mid-market amount.
Today's payout isn't the best this month though, since the highest receive amount was 6,746,266.34 CLP.
If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.
Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Chile.
We've tracked 239 comparisons to check how often today's top companies were the cheapest across 8 amounts over the past month.
Cheapest every time
Cheapest in 24% of them
Cheapest in 4% of them
Based on 56 comparisons across 8 amounts over the last 7 days.
Cheapest in 93% of them
Cheapest in 23% of them
Cheapest in 12% of them
Based on 239 comparisons across 8 amounts over the last 30 days.
Cheapest in 97% of them
Cheapest in 26% of them
Cheapest in 4% of them
Based on 657 comparisons across 8 amounts over the last 90 days.
Different companies can come out cheapest depending on the day and the amount you send.
To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).
Today Regency FX is the cheapest and gets you the most CLP, and it was also the cheapest in 93% of the 170 comparisons it appeared in over the past month.
It's a good pick for both one-off and regular transfers to Chile.
OFX (today's second cheapest) was the cheapest in only 23% of its comparisons, so it's rarely the cheapest option for transfers to Chile.
3 companies send money from the UAE to Chile, split between currency broker, online, app, multi-currency account, and global business account, and more.
For frequent transfers home
If you send CLP home monthly, money transfer apps like Wise are the easiest with good AED/CLP rates.
Botim, Careem Pay, and e& money are convenient but Wise is cheaper.
On an AED 25,000 transfer it will get you 6,514,973 CLP in next day (after 279.09 fee and 0.1% markup).
Over the past month, Wise was the cheapest app on 97% of the days it appeared for AED25,000 transfers.
You'll need your Emirates ID and a UAE number to register.
For small urgent transfers
You can send AED to Chile now, and pay for it in the coming weeks.
Botim and Payit are good options, but it’s a credit, so it costs more and you can’t miss any payments.
We’ve covered this in more detail in our Send Now, Pay Later guide.
For mid-sized transfers from UAE
Sending AED 25,000 to Chile is usually cheaper with online money transfer services like Wise.
Wise gets you 6,514,973 CLP, with an AED 279.09 fee and 0.1% markup.
In our comparisons over the past month, it was the cheapest online service on 29 of the 30 days it quoted.
For sending large amounts
Brokers are great for international property, school fees abroad, or moving your savings home when you leave the UAE.
A broker like Regency FX charges no fee and adds 0.27% on AED/CLP exchange rate with someone on the phone guiding you through the process.
Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from AED 25,000 it quoted.
For UAE businesses trading abroad
Global accounts are for businesses, paying overseas suppliers, collecting from customers abroad, and holding a few currencies at once.
Companies like IFX, Sokin, VertoFX, or Wise Business can handle the batch payments, invoices and multi-currency balances.
For receiving money
A multi-currency account lets you hold dirhams and/or CLP side by side.
This is useful if you’re getting paid in CLP, or travelling to Chile.
I’d suggest Wise for this.
Wise converts AED 25,000 at 0.1% markup and holds it until you send or spend it, and gives you account details to receive CLP.
Over the past month, it came out cheapest among multi-currency accounts on 100% of days.
We've covered this in more detail in our guide to multi-currency accounts.
With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending AED 25,000 gives your recipient 6,577,569.46 CLP.
You can pay in AED by bank transfer.
In Chile, the recipient can receive CLP through bank deposit.
You pay AED25,000.00
CLP$6,577,569
Cheapest
The UAE has plenty of ways to send money, but the branch fee, exchange rate and ID checks can change what works best for you.
For an AED 25,000 transfer to Chile, the current options look like this.
The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 6,577,569.46 CLP, which is 0.23% more than the next best option.
The fastest option is Regency FX, funded by bank transfer with bank deposit in Chile. Your recipient gets 6,577,569.46 CLP in minutes - 24 hours.
Banks, apps and exchange houses need to identify you.
Your Emirates ID and UAE mobile number normally cover a routine transfer, while a large or unusual payment can trigger questions about your salary and source of funds.
For property, tuition or moving savings when you leave the UAE, keep the sale agreement, school invoice or bank statement ready.
A transfer funded from your salary account is easier to explain than a large cash deposit made just before sending.
Currency exchange and remittance services require a Central Bank of the UAE licence.
Check the legal name in the CBUAE licensing register before handing over cash or uploading your ID.
The CBUAE consumer standards require licensed companies to show the exchange rate and fees before the transfer, then include the amount received and complaint details on the receipt.
Avoid a personal bank account or WhatsApp dealer offering a better rate outside a licensed branch.
The UAE's declaration rules for carrying cash across the border do not set a limit on an electronic transfer.
Your bank or exchange house can still set its own transaction limit and request additional documents.
If you send the same amount every month, complete the ID checks in the app or branch once and save the verified recipient.
This reduces mistakes without bypassing the checks on later transfers.
We track 3 licensed companies sending AED to Chile, refreshed in real time during live comparisons.
Because the dirham is fixed to the dollar, we compare on what arrives in CLP rather than on the fee, alongside the deposit and payout options.
In the past 30 days alone, we analysed 239 comparisons across 8 amounts.
This page covers the cheapest and fastest options for AED/CLP transfers. This is how we pick them:
Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.
Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.
Every company goes through our review before it appears.
Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.
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