Many Canadians are experiencing strains caused by the increased cost of living and inflation. America's stores, malls reopen with masks, curbside pickup and closed fitting rooms, Your California Privacy Rights/Privacy Policy. Choose how you want to post your review on Hoursmap. Call 1.800.7beauty or book an appointment with a Beauty Stylist. On Friday morning, Nordstrom sent out an email to customers and posted an updateto its website stating theintention to "commence a liquidation sale, subject to Court approval, later in March.". Stoneridge Shopping Center, 1600 Stoneridge Mall Rd.. FlatIron Crossing, 21 W. Flatiron Crossing Dr, Dadeland Mall, 7239 N. Kendall Dr., Miami, Florida. 650 A Stanford Shopping Center, Palo Alto, California, 3500 Peachtree Road N.E., Atlanta, Georgia. That spot still is yet to be filled. Courtesy Photo. Chandler Fashion Center, 3199 W. Chandler Blvd.. Montclair Place, 5015 N. Montclair Plaza Ln., Westfield North County, 270 E Via Rancho Pkwy, Escondido, California. By checking this box and submitting, you are agreeing to be bound by our Terms of Use, which is linked to from the bottom of this page. Also, Cowen analyst Oliver Chen said in a note to clients on Wednesday that closing stores "should yield more efficient inventory management, free capex for the more productive local markets, and provide more consistency in-store experience. The impact from Covid drove further losses, with no realistic path to sustainable profitability, Nordstrom said. We also serve customers online in 96 countries through Nordstrom.com . SEATTLE, April 8, 2021 /PRNewswire/ -- Nordstrom, Inc. (NYSE: JWN) announced today the closing on April 8, 2021 of its previously announced offering of $250 million aggregate principal amount of its 2.300% Senior Notes due 2024 (the "2024 Notes") and $425 million aggregate principal amount of its 4.250% Senior Notes due 2031 (the "2031 Notes" and, together with the 2024 Notes, the "Notes"). Before you do your taxes, take note of these tax credits and deductions you may not have known about, Some of Canada's airports are increasing fees to passengers, here's why. Nordstrom Winter Sale Feb 10th - Feb 20th Details More Stores You Might Like Today's Hours 11:00AM - 6:00PM View Week Phone (248) 504-5700 Location Nordstrom Entrance Where to Park Nordstrom entrance Website https://www.nordstrom.com Nordstrom eBar Phone (248) 504-5700 Location 1st Floor Nordstrom Become a sponsor! But it will need time to replace the anchor store tenants, analyst Dalto said. In a column on CTVNews.ca, personal finance contributor Christopher Liew explores some of the pros and cons so that you can make an informed choice. All Nordstrom stores offer alterations and tailoring services, and basic alterations are free for many full-price items purchased at Nordstrom (online or in store). Points earned are redeemed for Nordstrom Notes, which could then be used for purchases. VIDEO 6:00 06:00. Craig Patterson, publisher and CEO of Retail Insider, told CTVNews.ca in a phone interview on Friday that the decision to leave Canada was likely made before Cohen entered the picture. The Seattle-based luxury department store chain said Wednesdayit is focusing its efforts on customers at its six other stores in Southeast Michigan and online. J.C. Penney will close six stores. Palo Alto, California: 650 A Stanford Shopping Center. Neil Saunders, managing director of the retail consultancy Global Data, said the closings were a "fairly dramatic decision" since they represent14% of total stores. According to the news outlet, the Nordstrom Rack located within the IDS Center's Crystal Court will shut down permanently after . Nordstrom is just the latest big retailer to call it quits in Canada, with Bed Bath & Beyond announcing last month it was going out of business and closing all 54 stores across the country. The Seattle-based retail giant currently has six Nordstrom stores and seven Nordstrom Rack stores in Canada. Start a group for your church, neighborhood, or child's school. We are delighted that you'd like to resume your subscription. - Matt. Beer and wine are available. We believe fashion is a business of optimism, and in that spirit we continue to grow and evolve. Nordstroms six Canadian stores CF Chinook Centre in Calgary, CF Rideau Centre in Ottawa, CF Pacific Centre in Vancouver and CF Eaton Centre, Yorkdale Shopping Centre and CF Sherway Gardens in Toronto have between seven and 10 years remaining on their leases. Olympia, WA: Cooper Point Marketplace (Nordstrom Rack) Opening Fall 2023. All rights reserved. Digital returns are also no longer available as of March 2. Nordstrom closed its stores in mid-March and has started reopening locations across the nation. Why Barnes & Noble Is Copying Local Bookstores It Once Threatened, What Floridas Dying Oranges Tell Us About How Commodity Markets Work, Watch: Heavy Snowfall Shuts Down Parts of California, Watch: Alex Murdaugh Found Guilty in Murders of His Wife and Son. The Seattle-based retailer has six Nordstrom and seven Nordstrom Rack stores . Nordstrom, a U.S. luxury department store, announced on Thursday that it is pulling out of Canada. There are going to be some changes to Canada's tax brackets as we move into 2023. The mall may have to break up the large anchor box spacesto move in several smaller businesses, Dalto said. As the company is known for selling expensive clothing, shoes, accessories, beauty products and home essentials, this sale means shoppers mightget a chance to shop some of their favouritedesigner items at a discounted rate. This site is protected by reCAPTCHA Enterprise and the Google Privacy Policy and Terms of Service apply. J.C. Penney, Macy's, Pier 1 closing stores around U.S. Pier 1 will close nearly half of its stores. 2023 Fairchild Publishing, LLC. Nordstrom Rack has been serving customers for over 40 years, offering many of the same brands and trends as Nordstrom for less. For more than 100 years, Nordstrom has worked to deliver the best possible shopping experience, helping customers possess stylenot just buy fashion. The 11-year-old mall in Clinton Township still features more than 90 stores andrestaurants and annually draws 11.5 million visitors. street, Markham caregiver plans to travel, possibly buy new home after $60M lottery win, RCMP believe Slave Lake toddler Jeffrey Dupres, missing for 43 years, is still alive, Alex Murdaugh sentenced to life in prison for murder of wife, son, Great Pyramid of Gizas hidden chamber revealed, Survivor of B.C. company says it has been given green light to sell, produce cocaine. While often called a department store, the company has also been referred to as a large-format fashion retailer. ", Chen said retailers overall should expect in-store revenue to drop by 20% to 50% "for the foreseeable future.". The CF Eaton Centre location alone took over 220,000 square feet over three levels, when it opened in 2018. Nordstrom's department stores serve as anchor tenants for many malls. By subscribing, I agree to the Terms of Use and Privacy Policy. Nordstrom will accept gift cards for in-store purchases only up until the end of the liquidation sale. March 2, 2023, 5:10pm. There are 2,500 workers at the locations. Escondido: Westfield North County, 270 E Via Rancho Parkway, Montclair: Montclair Place, 5015 N. Montclair Plaza Lane, Pleasanton: Stoneridge Shopping Center, 1600 Stoneridge Mall Road, Sacramento: Arden Fair Mall, 1651 Arden Way. But while COVID-19 has led other department stores to file for bankruptcy including J.C. Penney and Neiman Marcus, Nordstrom officials say they are in a strong financial decision. I think everyone knows that Nordstroms is higher end than a lot of other department stores; however it's safe to say, you get what you pay for. in 3 reviews, Whether you're ordering online or while at the store, you can order the sizes/colors you want to try, then return extras to the store. in 4 reviews, . The mall experienceda nearly 5% decline year-over-year in revenue to more than $105 million in 2018 when its occupancy was at 92%, according to a report from commercial real estate data firm Trepp LLC. "Canada is a difficult market. While a different type of store with far fewer locations in Canada, Nordstrom's decision does point to the issues facing the retail sector, which were exacerbated by pandemic-related closures and now by consumers reining in spending in response to inflation and rising interest rates. ; ; . The upscale chain sold a mix of designer goods. Since 1901, weve been committed to providing our customers with the best possible serviceand to improving it every day. Were entering the second quarter in a position of strength, adding to our confidence that we have sufficient liquidity to successfully execute our strategy in 2020 and over the longer term," Nordstrom CEO Erik Nordstrom said in a news release. Cole Haan Up to 60% Off. Richmond: Short Pump Town Center, 11812 W. Broad St. San Juan: 4000 The Mall of San Juan Blvd. Nordstrom's locations in popular Canadians malls could make it attractive real estate for other companies looking to set up shop or subdivide the space. The American luxury department store chain said its decision to wind down operations in Canada was informed by its expectations of sales declining in the new fiscal year. These tenants typically generate a large portion of customer traffic and rent revenue for mall owners. Since it entered into the market, it hasn't been able to turn a profit, so I think that coupled with the challenges of the pandemic really was the final nail in the coffin for Nordstroms in Canada.". For assistance with inventory and availability, please connect with our teams in store at (248) 504-5700. There are currently Nordstrom locations at Sherway Gardens, CF Toronto Eaton Centre, and Yorkdale Shopping Centre, as well as Nordstrom Rack locations at One Bloor and Vaughan Mills. You will be charged The announcement came as Nordstrom released its fourth quarter results, which include net earnings of US$119 million in the period ending Jan. 28, less than the net US$200 million earned for the same period a year ago. Nordstrom's announcement follows the closure of department store Carson's last summer at the opposite end of the outdoor mall when that retailer went bankrupt. (if applicable) for The Wall Street Journal. The fourth quarter report mentions that Nordstrom opened three stores in 2022 in Los Angeles, Phoenix, Ariz., and Riverside, Calif., and plans to open or relocate another 20, all in the U.S., this year and next. Nordstrom intends to shutter both chains Canadian locations by June, leaving its 2,500 Canadian staff unemployed and hundreds of thousands of space to fill. Saunders applauded the move and said it was overdue. Nordy Club Canada members are no longer able to earn points as of March 2. The luxury department store chain said . "People are going to wonder, was PartridgeCreek not the mall it was cracked up to be? You may change your billing preferences at any time in the Customer Center or call more. Customer Service. Please read our Commenting Policy first. Off-price retailer permanently closing 132 stores in first wave of bankruptcy closures. Prince Harry and Meghan Markle evicted from their U.K. home by King Charles, Angry parents speak out on their daughter who froze to death on N.S. Macy's will close about a fifth of its locations over three years. Nordstrom Rack, which promised luxury brands at bargain prices, has seven Canadian stores with between five and eight years left on their leases. Nordstrom announced on Thursday that it will be closing all of its 13 Nordstrom and Nordstrom Rack stores in Canada,cutting 2,500 jobs less than ten years after entering the Canadian market. Find a Beauty Stylist in Novi, or give us a call at 1.800.7beauty. About this location: Location. What happens next after Nordstrom Canada announces closure? On Groupcycle, you can start reuse groups for members to give away or sell their stuff. In another hit to Canada's retail sector, Nordstrom announced on Thursday it would close all 13 of its Canadian stores, affecting as many as 2,500 . Here are details on Nordstrom gift cards, returns as Canadian stores close, Bed Bath & Beyond is shutting down all 54 stores across Canada, A huge Hudson's Bay store in Edmonton is closing this summer, Nordstrom Rack Willowbrook Shopping Centre. The department store closures are likely to inflict pain on shopping malls. Daily Hive is a Canadian-born online news source, established in 2008, that creates compelling, hyperlocal content. Nordstrom Canada gift cards will also continue to be honoured through to the end of the liquidation sale for in-store purchases only. Alterations. Tuesday Morning store closings list: Off-price retailer permanently closing 132 stores in first wave of bankruptcy closures. We regularly review every aspect of our business to make sure that we are set up for success, said Erik Nordstrom in the news release. These changes could impact how youre taxed when you file your 2023 income tax returns next year. 43839 West Oaks Drive. Nordstrom is set to close all 13 of its Canadian stores, the company announced on Thursday, resulting in 2,500 job losses. Nordstrom Inc. is closing all of its Canadian stores and cutting 2,500 jobs as it winds down operations in the country. Earnings Exchange: AVGO, COST, JWN & AI. This advertisement has not loaded yet, but your article continues below. "It is a blow for malls already severely bruised by the crisis and slowdown in retail," Neil Saunders, of GlobalData Retail, said. For industry observers, the announced closure of Nordstrom's Canadian stores doesn't come as much of a surprise. To do this, many are increasing the "user-pay" system that generates revenue from passengers, fuel and aircraft fees. We are located at the corner of Novi and 12 Mile Rd. nordstrom novi closing Create Deals, Events, Announcements (paid packages). Theyll determine whats needed during your fitting, and let you know if any charges apply. Nordstrom will close afterSept 13. Listing will be marked Claimed, creating trust with customers. Our Beauty Stylists offer a free service thats tailored just for youto find the best beauty, skincare, perfume and grooming products across all our womens and mens brands. According to the . Nordstrom Inc. will be shutting down its Canadian operations and closing all of its stores across the country. Nordstrom Toronto Eaton Centre You agree & accept our Terms & Conditions to signup. Despite the empty big-box anchors, the mall's owner, Chicago-based Starwood Retail Partners, said it is optimistic. Nordstrom broke the news after reporting its fourth-quarter 2022 earnings, adding that the closures will include Nordstrom Rack stores. "Unfortunately, Nordstrom's announcement is likely the first of many as we expect stores may close in 10% or more of shopping centers, and the number of malls may eventually decrease to 800 or less from 1,200," he said. Nordstrom, Inc. (JWN) is publicly traded on the NYSE. "But really Nordstrom has always struggled in Canada. There have been questions around what influence the purchase of shares by Canadian investor Ryan Cohen in February had on the decision to shutter Nordstrom's Canadian operations. t, I walked over to the Rainbow sandal display, tried to find my size, and asked for help. A group manager earns 50% of the group's revenue. Any company looking to expand will find what theyre offering attractive, said Camenzuli, because Nordstrom had prime properties in high-traffic areas. Retail giant . The value of Nordstrom's stock has been shaky in recent years. "We keep a close eye on the long-term performance of our stores, real estate agreements and the future needs of our business," Nordstrom said in a statement. Still, Nordstrom is not immune from permanent store closings. Nordstroms departure from Canadas retail landscape will leave significant holes in shopping malls, and some analysts say landlords will need to get creative to fill the space. Nordstrom Rack Vaughan Mills. As a result of the Canadian closures, Nordstrom expected to record $300 to $350 million in pre-tax charges in the first quarter of fiscal 2023. Please fill out this field with valid email address. Call 248.504.5700 for store services like personal stylists, alterations, and order pickup! We want to thank our teams for all their hard work helping our customers feel good and look their best, Nordstrom stated. Nordstrom broke the news after reporting its fourth-quarter 2022 earnings, adding that the closures will include Nordstrom Rack stores. She pointed to pop-ups, food properties and experience-based spaces like the World of Barbie- an interactive, ticketed version of Barbies Dreamhouse at the Square One Shopping Centre in Mississauga, Ont., as potential Nordstrom replacements. Nordstrom Inc. to close all stores in Canada, Ex-husband of Edmonton soldier who tried to kill their children plans to sue Canadian military, Second B.C. These (landlords) travel globally, to see everything thats available, and so it may be something that we havent even seen yet in the Canadian market, and that might not be a department store. The addresses of the closing stores include: 650 A Stanford Shopping Center, Palo Alto, California. After this date, all sales are final and returns and exchanges will no longer be permitted. 2:05 What decision to close Nordstrom means for Vancouver Nordstrom's departure from Canada's retail landscape will leave significant holes in shopping malls, and some analysts say landlords . Chandler: Chandler Fashion Center, 3199 W. Chandler Blvd. Nordstrom Rack Ottawa Train Yards, Toronto, Ontario Following the announcement of the Canada closures, the retailer posted a deeper-than-expected decline in sales in its latest quarter. Open until 9:00 PM. Sinclair also doesn't see this affecting the future of malls to any great degree, which he says are looking at other opportunities in residential developments and "experiential" events such as The Office Experience. Seattle-based retailer Nordstrom announced on Thursday it is pulling out of Canada, closing all of its stores by the summer. "It could take two to three years to fill those anchors that's assuming they want to keep the affluent market demographic approach," he said. "We are continually evaluating new merchants and features for Partridge Creek and look forward to this opportunity to evolve our platform, as we continue to provide shoppers, diners and visitors at Partridge Creek with an engaging, active and compelling experience.". Alex Murdaughs Trial Lasted Six Weeks. Copyright 2023 Buzz Connected Media Inc. Daily Hive is a Canadian-born online news source, established in 2008, that creates compelling, hyperlocal content. Fashion changes. Sales were down 40% at Nordstrom after temporarily closing its stores due to the coronavirus pandemic, the Seattle-based retailer announced Thursday. Vince Up to 60% Off. Nordstrom Rideau Centre Nordstrom Yorkdale Shopping Centre Nordstrom Rack One Bloor "Their survival is at stake," Dalto said. But with such companies heavily engaged in the apparel business _ the only industry NPD Group tracks that has yet to recover from the COVID-19 pandemic she thinks its more likely that Nordstroms landlords will think outside the box to fill the Seattle department stores spaces. This commitment has taken us from a small Seattle shoe shop to the leading fashion specialty retailer we are today. Seattle-based retailer Nordstrom announced on Thursday it is pulling out of Canada, closing all of its stores by the summer. Sign In. , Does buying an electric vehicle make financial sense? Our actions have given us increased flexibility to react more quickly to changing customer demand and provide the newness and fashion our customers love. Nordstrom Sherway Gardens Food bloggers and cookbook authors say meal-planning and simple recipes can help home cooks put together filling and tasty dishes on a budget -- an increasingly stressful challenge amid rising food prices. 2023 Fairchild Publishing, LLC. Its the ultimate shopping convenience. Nordstrom Inc., impacted by steeper markdowns and macroeconomic headwinds, reported fourth-quarter declines . Receive messages from potential customers. Happy Valley: Clackamas Town Center, SE 85th Ave. Hurst: North East Mall, 1101 Melbourne Road. Edit business listing: add details, photos, video, etc. Hudsons Bay also announced earlier this year it was shutting down a massive store in Edmonton and a spot in Banff. Stay up to date with what you want to know. Nordstrom Rack Heartland Town Centre, Ottawa, Ontario Nordstrom is planning a huge liquidation sale at its stores across Canada this month. Airports that lost millions of dollars during the pandemic are now trying to recoup some of the losses as travel picks up again. "Since those shops were originally opened, the demographics in the trade areas and the competitive mix have changed for the worse. Load WordPress.com VIP. Nordstrom Inc. said it would wind down and liquidate its operations in Canada under court protection, closing 13 stores and laying off about 2,500 workers. SEATTLE, April 7, 2015 /PRNewswire/ -- Seattle -based Nordstrom, Inc. (NYSE: JWN) today announced plans to open a Nordstrom Rack at West Oaks shopping center in Novi, Mich. "I think to the average Canadian they're quite shocked that Nordstrom has decided to exit Canada so suddenly," Bruce Sinclair, associate dean of business marketing, fashion and beauty at Humber College in Toronto, told CTVNews.ca in a video call on Friday. "We regularly review every aspect of our business to make sure that we are set up for success," said Erik Nordstrom in the news . Enjoy handcrafted coffee beverages prepared by skilled baristas, along with housemade smoothies, pastries and a variety of grab-and-go sandwiches, salads and snacks that are made fresh daily. The Nordstrom and Nordstrom Rack stores in Canada include: Nordstrom first announced plans to expand to Canada in 2012 and opened its first store in Calgary at CF Chinook Centre in September 2014. "Getting rid of these will help stem losses and allow Nordstrom to focus investments in areas where it gets more bang for its buck.". The company previously confirmed to Business Insider that the following full-line department stores are closing. Nordstrom announced on Thursday that it will be closing all of its 13 Nordstrom and Nordstrom Rack stores in Canada, cutting 2,500 jobs less than ten years after entering the Canadian market. In another hit to Canada's retail sector, Nordstrom announced on Thursday it would close all 13 of its Canadian stores, affecting as many as 2,500 jobs in the process. Patterson, who has written about Nordstrom for years, said while the pandemic was a clear issue for the company, the retail environment also was not compelling enough for the retailer to continue operating in Canada. Officials previouslyannounced they would permanently close 16 of the company's 116 full-line stores because of the impact of COVID-19. NOW WATCH: We searched for the best full English breakfast in London here's who came out on top, Visit Business Insider's homepage for more stories. Nordstrom Canada operates six Nordstrom stores and seven Nordstrom Rack stores, as well as the Nordstrom.ca website, and employs approximately 2,500 people. Is your store on the list? New Markdowns. Analysts have praised Nordstrom's decision to trim its store fleet. Our stores remain an essential part of our business and they give us the opportunity to build meaningful relationships with our customers and employees. Despite our teams best efforts, including multiple initiatives to improve our outcomes, our Canadian business has not been profitable. Pete Nordstrom, president and chief brand officer, said that the incremental markdowns impacted the margins, but the company is better positioned for a stronger 2023. When Nordstrom initially announced the cuts last week, the company did not reveal which stores would be shuttering their doors permanently. "We look at our business market-by-market to understand where we have opportunities to grow while also being as efficient as possible in serving our customers. Latest Videos. Still, he said Partridge Creek's management remains strong and expects the mall to weather the storm. Nordstrom expects to finish all of its store closures in Canada by late June. Nordstroms move will result in a decline of about $400 million in net sales for the fiscal year. We do have lots of competition here and we also have very strong domestic players, which I sometimes wonder if foreign retailers who come into the market recognize how strong our domestic players are. The Nordstrom and Nordstrom Rack stores in Canada are: Calgary, Alberta Is your store on the list? All Rights Reserved.FN and Footwear News are registered trademarks of Fairchild Publishing, LLC. For now, Nordstrom Canada stores will continue to operate as normal, although as of Friday, customers are no longer able to shop at nordstrom.ca. Orders placed through Nordstrom's Canadian website will continue to be fulfilled, and returns and exchanges will also continue to be accepted with the store's return policies through March 17, according to the company. Nordstrom is closing all of its Canadian stores and cutting 2,500 jobs https://t.co/uUBWyXLv7y #Nordstrom #Canada. For some, that could lead to Nordstrom being replaced by another large format retailer or an international brand looking to expand or break into Canada. Were proud to serve customers at 347 stores in 40 states and Canada. Camenzuli expects Nordstroms landlords to look at each space individually and assess what sort of vibe theyre looking to curate at the property. S&P/TSX composite gains nearly 250 points to end week on upswing, Bank of Canada expected to hold interest rate under planned pause on hikes. Access your favorite topics in a personalized feed while you're on the go. The wind down is being done through an order obtained by the Ontario Superior Court of Justice under the Companies' Creditors . Retail giant Nordstrom will exit the Canadian market, shutting down its 13 stores in the country amid stagnant sales, the company said. Nordstrom obtained an order from the Ontario Superior Court of Justice under the Companies' Creditors Arrangement Act to end its Canadian operations and plans to get court approval this month for a liquidation sale. Union Gap, WA: Valley Mall (Nordstrom Rack) Opening Fall 2023. "It is a blow for malls already severely bruised by the crisis and slowdown in retail. But after positioning itself as a competitorto Somerset Collectionin Troy and Twelve Oaks Mall in Novi, the outdoor mall will now lack a major magnet to draw customers from dozens of miles away, said Kenneth Dalto, president of Dalto Consulting Inc. in Bingham Farms. Great Prices. Our commitment to happy customers doesnt. Just in from Nordstrom. While there are many benefits to electric cars, the question of whether they are a good financial choice in Canada is still up in the air, personal finance contributor Christopher Liew explains on CTVNews.ca. They know just what you needeven before you do! The Mall at Partridge Creek is losing asecond anchor with Nordstrom closing in September. In an column on CTVNews.ca, personal finance contributor Christopher Liew explains how to calculate how much rent you can afford. (Frederic J. Brown/AFP/Getty Images) Article. Outside the Nordstrom NYC Flagship on Dec. 3, 2021 in New York City. You can reply to reviews and keep track of how many visitors have viewed the listing. All Nordstrom stores offer alterations and tailoring services, and basic alterations are free for many full-price items purchased at Nordstrom (online or in store). comments, Bed Bath & Beyond refusing to accept gift cards and points in Canada as of next week, People in Toronto are already suggesting replacements for Nordstrom at the Eaton Centre, Nordstrom is closing all of its Canadian stores and cutting 2,500 jobs, Toronto is getting a new fashion and music festival next month, Mango plans to open 7 more stores in Toronto this year, Apartment building in Toronto charging additional fee to load laundry card, We now finally know if dogs are allowed inside the Toronto Eaton Centre, closing all of its 13 Nordstrom and Nordstrom Rack stores in Canada. Its discount stores called Nordstrom Rack also are in Ann Arbor, Grand Rapids, Orion Township, Novi and Troy. Consumers are going back into stores and weve seen theyre really looking for an entertainment experience (along with) shopping, so being creative with the leases and rentals of these properties is something that mall owners will have to look at, she said. We offer a vast array of intimate apparel, breast forms and mastectomy bras, plus assistance with Medicare claim filingall in a comfortable and confidential setting.

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