Cheapest States to Live in US 2025 | Statistics & Facts

Cheapest States to Live in America 2025

Finding an affordable place to call home has become increasingly important for American families, retirees, and young professionals navigating today’s economic landscape. The cheapest states to live in US 2025 offer substantial cost savings across housing, groceries, healthcare, and transportation without necessarily compromising quality of life. With the median home price in the United States reaching $410,800 in the second quarter of 2025 and household expenses continuing to climb, understanding where your dollar stretches furthest has never been more critical. These affordable states, predominantly located in the South and Midwest regions, provide opportunities for homeownership, comfortable living standards, and financial security that might seem out of reach in coastal metropolitan areas.

The affordability equation extends far beyond simple housing costs. States with the lowest cost of living index in 2025 demonstrate favorable conditions across multiple expense categories including utilities averaging 11% lower than national norms, grocery prices that can be 8% cheaper, and transportation costs that offer significant annual savings. When examining the cheapest states to live in US 2025, it becomes evident that strategic location choices can transform financial outcomes, enabling families to build savings, invest in their futures, and enjoy a higher standard of living on moderate incomes. Understanding these geographic cost variations empowers individuals to make informed decisions about relocation, retirement planning, and long-term financial strategies.

Interesting Facts About the Cheapest States to Live in US 2025

Data Sources: Missouri Economic Research and Information Center (MERIC) Q3 2025, World Population Review 2025, Zillow Home Value Index Q2 2025, Council for Community & Economic Research (C2ER) 2025

The data reveals that the cheapest states to live in US 2025 share common characteristics that drive affordability. Housing represents the single largest expense for American households, and states like Mississippi, Oklahoma, and West Virginia maintain housing costs 25-35% below the national median through a combination of abundant inventory, lower demand pressures, and favorable land-use policies. These savings compound when combined with reduced costs in other essential categories, creating environments where moderate incomes can support comfortable lifestyles that might require substantially higher earnings in expensive coastal markets.

Geographic location plays a crucial role in determining cost structures. The Midwest and Southern states dominate the rankings of the cheapest states to live in US 2025 due to factors including lower population density, agricultural economies that reduce food costs, minimal traffic congestion that lowers transportation expenses, and state tax policies that ease the burden on residents. States like Kansas benefit from being major agricultural producers, translating to grocery prices that remain consistently below national averages. Meanwhile, states such as Oklahoma and Arkansas leverage low property values and competitive housing markets to keep homeownership accessible for working families and first-time buyers.

Cost of Living Index Rankings for Cheapest States in the US 2025

Data Sources: Missouri Economic Research and Information Center (MERIC) Q3 2025, Council for Community & Economic Research (C2ER) 2025, World Population Review 2025

The cost of living index data for the cheapest states to live in US 2025 demonstrates that Oklahoma maintains its position as America’s most affordable state with a composite index between 85.5 and 86.0, representing costs approximately 14-15% below the national baseline of 100. This affordability stems primarily from exceptionally low housing costs, with Oklahoma’s housing index of 70.7-71.5 indicating that residential expenses are nearly 30% cheaper than the U.S. average. The state’s median home price of $208,600-$260,700 and average two-bedroom apartment rent of $1,077-$1,400 per month make homeownership and renting substantially more accessible compared to high-cost regions where similar housing might cost double or triple these amounts.

Mississippi follows closely as the second most affordable state, with cost of living indices ranging from 83.3 to 87.3 depending on the data source methodology. The state’s housing affordability is unparalleled, with a housing index as low as 65.8, meaning housing costs are 34% below the national average. Mississippi’s median home prices range from $140,000 to $170,000, and two-bedroom apartments rent for $991 to $1,450 monthly. Beyond housing, Mississippi excels in keeping transportation costs low with an index of 85.2 and utilities affordable at an index of 89.0, approximately 11% below average. However, prospective residents should consider that Mississippi also has the lowest median household income in the nation and the highest poverty rate at nearly 20%, creating a complex affordability picture where low costs must be weighed against limited earning potential.

Housing Affordability in the Cheapest States to Live in US 2025

Data Sources: Zillow Home Value Index Q2 2025, Redfin April 2025, Apartments.com 2025, The Motley Fool 2025, Tax Foundation 2025

Housing costs represent the most significant driver of overall affordability differences across states, and the cheapest states to live in US 2025 demonstrate remarkable savings in this critical category. West Virginia claims the title for the nation’s lowest median home price at $146,578 to $170,514, making homeownership accessible to families earning well below the national median income. This price point allows buyers to purchase properties that would cost $400,000 to $600,000 or more in expensive markets like California or Massachusetts. West Virginia’s rural character, low property taxes averaging just $728 annually, and homeownership rate of 73.2% reflect a state where the American dream of owning a home remains within reach for working-class families.

Mississippi and Arkansas similarly excel in housing affordability with median home prices well below $200,000 in most markets. Mississippi’s housing index of 65.8 to 72.8 indicates that housing costs are 27-34% below the national average, while Arkansas maintains a balanced housing market with prices around $255,900 as of early 2025. The rental markets in these states offer equally compelling value, with two-bedroom apartments available for $862 to $1,450 per month compared to national averages exceeding $1,500. These cheapest states to live in US 2025 also feature some of America’s lowest property tax rates, with Alabama charging an effective rate of just 0.39-0.42%, resulting in annual property tax bills of only $646 to $818, compared to states like New Jersey where homeowners pay over $9,000 annually.

Grocery and Food Costs in the Cheapest States to Live in US 2025

Data Sources: World Population Review 2025, Move.org 2025, Bureau of Labor Statistics 2025, Beehive Meals 2025

Grocery and food expenses constitute a substantial portion of household budgets, and the cheapest states to live in US 2025 deliver meaningful savings in this essential category. Kansas and Mississippi lead with grocery price indices of 91.7 and 92.2 respectively, indicating that food costs are approximately 8% below the national average. For a family of four, this translates to monthly grocery bills ranging from $770 to $850 compared to the national average of $1,080, resulting in annual savings of $2,760 to $3,720. These agricultural powerhouses benefit from proximity to food production centers, reducing transportation costs and keeping prices low for staples like wheat, corn, meat, and dairy products.

The affordability advantage extends across multiple food categories in these states. Single-person households in the cheapest states to live in US 2025 can maintain nutritious diets for approximately $347 to $375 per month, compared to states like Hawaii where monthly grocery costs exceed $499 per person. The economic impact becomes even more pronounced for larger families, where the combination of lower food prices, reduced housing costs, and cheaper utilities creates a comprehensive affordability ecosystem. States like Iowa, Missouri, and Indiana maintain grocery indices in the 92.5 to 93.9 range, offering 6-7.5% savings compared to the national baseline. These consistent savings across basic necessities allow families in affordable states to allocate more income toward savings, education, healthcare, and quality-of-life improvements rather than simply covering essential expenses.

Utility and Transportation Costs in the Cheapest States to Live in US 2025

Data Sources: Council for Community & Economic Research (C2ER) 2025, Missouri Economic Research and Information Center 2025

Utility and transportation costs represent significant ongoing expenses that can substantially impact household budgets, and the cheapest states to live in US 2025 offer considerable savings in both categories. Mississippi leads with a utilities index of 89.0, meaning residents pay approximately 11% less than the national average for electricity, water, gas, and internet services. Monthly utility bills in Mississippi range from $330 to $584, compared to the national average of $370 to $640, resulting in annual savings of $480 to $672 on essential services. The state’s lower energy consumption needs, competitive utility markets, and favorable climate conditions contribute to these reduced costs.

Transportation expenses in the cheapest states to live in US 2025 similarly trend below national averages, with Mississippi maintaining the lowest transportation index at 85.2, indicating costs approximately 15% below the national baseline. The average American household spends $9,826 annually on transportation, including vehicle purchases, fuel, insurance, maintenance, and public transit. Residents of affordable states typically spend $8,500 to $9,300 annually on transportation, saving $500 to $1,300 per year through lower gas prices, cheaper vehicle insurance premiums, reduced congestion, and shorter commute distances. States like Alabama and Arkansas combine low transportation indices with favorable driving conditions, minimal toll roads, and abundant parking, further reducing the total cost of vehicle ownership and operation. When utility and transportation savings are combined, families in the cheapest states to live in US 2025 can save $2,000 to $5,000 annually compared to high-cost states, money that can be redirected toward retirement savings, education, or home improvements.

Healthcare Costs in the Cheapest States to Live in US 2025

Data Sources: MoneyGeek 2025, ConsumerAffairs 2025, Kaiser Family Foundation 2025

Healthcare costs represent a critical component of overall affordability, and the cheapest states to live in US 2025 generally maintain healthcare expenses below national averages, though the savings are less dramatic than in housing or transportation categories. Alabama leads with a healthcare index of 92.8, indicating that medical expenses are approximately 7% below the national average. The state’s average annual healthcare cost per individual ranges from $4,800 to $5,000, compared to the national average of $5,177 to $5,300. Monthly health insurance premiums in Alabama average $425 to $475, substantially less than high-cost states where premiums can exceed $800 to $1,200 per month.

Arkansas and Mississippi similarly offer healthcare costs 5-7% below national averages, with healthcare indices of 93.1 and 94.7 respectively. These savings manifest across multiple healthcare dimensions including insurance premiums, deductibles, doctor visit costs, prescription medications, and hospital services. However, prospective residents should carefully evaluate healthcare accessibility and quality alongside cost considerations. States with the lowest healthcare costs sometimes face challenges including fewer hospitals and specialists in rural areas, longer wait times for appointments, and limited access to advanced medical technologies. The cheapest states to live in US 2025 like Tennessee benefit from no state income tax while maintaining moderate healthcare costs, allowing residents to allocate more income toward quality health insurance coverage and out-of-pocket medical expenses when needed.

Tax Burden Comparison in the Cheapest States to Live in US 2025

Data Sources: Tax Foundation 2025, Federation of Tax Administrators 2025, Retirement Living 2025

The overall tax burden significantly impacts take-home income and financial flexibility, making tax policy a crucial consideration when evaluating the cheapest states to live in US 2025. Tennessee stands out as the most tax-friendly state with no state income tax, allowing residents to keep 100% of their earnings before federal taxes. This policy, combined with no tax on Social Security benefits, makes Tennessee exceptionally attractive for retirees and high-income workers alike. A household earning $75,000 annually in Tennessee avoids $3,750 to $5,250 in state income taxes that would be owed in states with 5-7% income tax rates, translating to significant annual savings that can be invested, saved, or spent on quality-of-life improvements.

Alabama emerges as another tax-advantaged state among the cheapest states to live in US 2025, featuring low state income tax rates ranging from 2.0% to 5.0%, the second-lowest property tax rate in America at 0.39-0.42%, and no tax on Social Security benefits. The combination of these favorable tax policies means that retirees living on fixed incomes can stretch their retirement savings significantly further than in high-tax states. A retired couple with $60,000 in annual retirement income including Social Security would save approximately $4,000 to $7,000 annually compared to living in states like California or Massachusetts where income taxes, property taxes, and Social Security taxation can claim 15-20% or more of retirement income. States like Oklahoma and Mississippi similarly structure their tax codes to minimize burdens on residents, with low property taxes, moderate sales taxes, and income tax rates that remain below national averages, cementing their positions as the cheapest states to live in US 2025.

Income and Employment Metrics in the Cheapest States to Live in US 2025

Data Sources: U.S. Census Bureau 2025, Bureau of Labor Statistics 2025, Economic Policy Institute 2025, World Population Review 2025

Income levels and employment opportunities represent critical factors when evaluating the cheapest states to live in US 2025 beyond simple cost comparisons. Kansas demonstrates the most favorable income-to-cost ratio among affordable states, with median household incomes ranging from $72,815 to $92,980 that closely align with or exceed the living wage requirement of $76,253 to $89,353 for a family of four. This balanced equation means Kansas families can meet essential expenses while building savings and maintaining financial security. The state’s diverse economy supported by agriculture, aviation manufacturing (including major employers like Spirit AeroSystems), and food processing provides stable employment opportunities across skill levels. Kansas also maintains one of the nation’s lowest unemployment rates at 2.5%, indicating a healthy job market with opportunities for those seeking work.

Alabama similarly achieves a favorable balance with median household incomes of $62,000 to $80,845 that closely match the living wage of $80,777 for families of four. The state’s unemployment rate of 2.7% ranks among the lowest nationally, while major industries including aerospace (Airbus, Boeing), automotive manufacturing (Mercedes-Benz, Honda, Hyundai), and advanced manufacturing provide quality jobs with competitive wages. However, prospective residents should carefully examine the economic challenges facing some cheapest states to live in US 2025. States like Mississippi and West Virginia feature median incomes of $44,097 to $70,656 that fall significantly short of the living wage requirements, with income-to-living-wage ratios of 0.55 to 0.88. These states also experience higher poverty rates ranging from 17.3% to 19.4%, suggesting that low costs alone do not guarantee financial prosperity. The economic equation becomes more complex when considering that wages in affordable states often lag behind expensive states, meaning that the cost savings must be weighed against potentially lower earning potential over time.

Quality of Life Factors in the Cheapest States to Live in US 2025

Data Sources: U.S. News Best States Rankings 2025, Niche.com 2025, FBI Crime Statistics 2025, Education Week 2025

Quality of life considerations extend far beyond simple cost calculations when evaluating the cheapest states to live in US 2025. While these states offer substantial financial savings, prospective residents should carefully assess factors including education quality, healthcare accessibility, safety, climate preferences, and cultural amenities. Iowa and Kansas rank highest among affordable states for overall livability, combining low costs with strong education systems ranked in the top 15-25 nationally, low crime rates below 310-420 incidents per 100,000 residents, and good healthcare access. Both states feature family-friendly communities, excellent public schools, safe neighborhoods, and Midwestern cultural values emphasizing community, hard work, and neighborliness.

Tennessee offers a compelling quality-of-life package among the cheapest states to live in US 2025, particularly for those seeking cultural vibrancy alongside affordability. Cities like Nashville, Memphis, and Chattanooga provide world-class music scenes, diverse dining options, professional sports, and entertainment venues typically associated with much larger and more expensive metropolitan areas. The state’s natural beauty including the Great Smoky Mountains National Park, numerous state parks, and abundant outdoor recreation opportunities appeal to nature enthusiasts and active families. Tennessee’s climate features mild winters and hot summers, allowing for year-round outdoor activities without the harsh winter conditions of northern states. However, residents should note that crime rates in some Tennessee cities run 620-680 per 100,000, higher than many other affordable states, necessitating careful neighborhood selection.

States like Mississippi and West Virginia face more significant quality-of-life challenges that should be carefully weighed against their status as the cheapest states to live in US 2025. Both states consistently rank in the bottom 5-10 nationally for education quality, with public schools often struggling with limited funding, teacher shortages, and below-average student performance on standardized tests. Healthcare access can be particularly challenging in rural areas, with fewer hospitals, specialists, and medical facilities compared to more populated states. Mississippi ranks last nationally for healthcare outcomes despite relatively low healthcare costs, while West Virginia faces similar challenges including the nation’s highest mortality rate at 1,116 deaths per 100,000 residents. These factors create a complex calculus where low living costs must be balanced against potential compromises in education quality, healthcare access, cultural opportunities, and overall community development. Families with school-age children or individuals with significant healthcare needs should conduct thorough research into specific communities rather than relying solely on state-level affordability metrics.

Best Cities to Live in the Cheapest States in US 2025

Data Sources: U.S. Census Bureau 2025, Zillow 2025, Niche.com 2025, U.S. News Best Places to Live 2025

Selecting specific cities within the cheapest states to live in US 2025 allows residents to optimize the affordability-quality of life balance. Huntsville, Alabama has emerged as a standout destination, offering big-city amenities and high-tech employment opportunities while maintaining costs 14% below the national average. Home to NASA’s Marshall Space Flight Center, the U.S. Army’s Redstone Arsenal, and major aerospace contractors including Boeing and Northrop Grumman, Huntsville provides highly skilled, well-paying jobs rarely found in smaller Southern markets. The city’s median home prices of $285,000 to $310,000 remain well below national medians while offering modern, quality housing stock. Huntsville boasts low crime rates, highly rated public schools, a vibrant downtown, diverse dining and entertainment options, and access to outdoor recreation, making it one of the best value propositions among the cheapest states to live in US 2025.

Fayetteville, Arkansas exemplifies the appeal of university towns within affordable states, combining cultural sophistication with low living costs. Home to the University of Arkansas, Fayetteville features a highly educated population, progressive values, thriving arts scene, excellent local restaurants, and abundant recreational opportunities in the nearby Ozark Mountains. The presence of Walmart’s corporate headquarters in neighboring Bentonville creates a diverse economy with opportunities in retail, technology, logistics, and supply chain management. Median home prices of $280,000 to $320,000 and rents around $950 to $1,150 for two-bedroom apartments position Fayetteville as highly affordable compared to other university towns like Boulder, Austin, or Chapel Hill where costs run 50-100% higher. The city’s walkable downtown, Saturday farmers market, mountain biking trails, and strong sense of community appeal to young professionals, families, and retirees seeking quality of life at reasonable costs.

Kansas City, Missouri and Wichita, Kansas demonstrate that the cheapest states to live in US 2025 include major metropolitan areas offering big-city amenities at small-city prices. Kansas City provides everything residents expect from major metros including professional sports teams (Chiefs, Royals), world-famous barbecue, diverse neighborhoods, excellent museums, thriving arts scenes, and major employers across healthcare, finance, and technology sectors. Yet median home prices of $260,000 to $290,000 remain 30-40% below expensive metros like Seattle, Boston, or San Francisco. Wichita, known as the “Air Capital of the World” due to its aircraft manufacturing heritage, offers even more dramatic affordability with median home prices of $190,000 to $220,000 while providing stable employment at major aviation manufacturers. These cities prove that living in the cheapest states to live in US 2025 doesn’t require sacrificing urban culture, employment opportunities, or modern conveniences—it simply means accessing them at far more reasonable costs.

Comparative Analysis: Cheapest vs. Most Expensive States in US 2025

Data Sources: Comprehensive compilation from MERIC 2025, World Population Review 2025, Zillow 2025, Tax Foundation 2025

The financial contrast between the cheapest states to live in US 2025 and America’s most expensive states reveals staggering differences that fundamentally alter household economics and long-term wealth accumulation. A family of four living in Oklahoma, Mississippi, Kansas, Alabama, or Arkansas can maintain a comfortable middle-class lifestyle on $75,000 to $90,000 annually, whereas achieving the same standard of living in Hawaii, California, Massachusetts, or New York typically requires $150,000 to $225,000 or more. This disparity manifests most dramatically in housing costs, where the median home in expensive states costs $424,000 to $718,000 more than in affordable states. Over a 30-year mortgage, this translates to additional housing costs exceeding $762,000 to $1.3 million when including interest payments, money that families in the cheapest states to live in US 2025 can instead allocate toward retirement savings, education, travel, or business investments.

The cumulative effect of cost differences across all expense categories creates massive wealth-building opportunities for residents of affordable states. A family saving $46,000 to $105,000 annually by living in the cheapest states to live in US 2025 versus expensive alternatives could accumulate $1.38 million to $3.15 million over 30 years assuming conservative 5% annual investment returns. This wealth differential represents the difference between comfortable retirement and financial struggle, between funding children’s college educations without debt and taking massive student loans, between entrepreneurial opportunities and paycheck-to-paycheck survival. The affordability advantage compounds over time as lower housing costs reduce debt burdens, freeing income for investment, while lower overall expenses allow for larger emergency funds, reducing financial stress and crisis vulnerability.

Migration Trends and Future Outlook for the Cheapest States in US 2025

Data Sources: U.S. Census Bureau 2025, Migration Policy Institute 2025, Moody’s Analytics 2025, Realtor.com Forecast 2025

Migration patterns reveal significant movement toward several cheapest states to live in US 2025, driven by remote work flexibility, housing affordability pressures, and lifestyle preferences. Tennessee leads among affordable states with population growth of 8.9% from 2020-2025, attracting substantial in-migration from expensive states like California, New York, and Illinois. Cities including Nashville, Chattanooga, and Knoxville have experienced rapid growth as young professionals, families, and retirees discover the appeal of affordable housing, no state income tax, vibrant culture, and outdoor recreation. This growth trend has begun putting upward pressure on housing prices, with some Tennessee markets experiencing double-digit appreciation in recent years. While Tennessee remains among the cheapest states to live in US 2025, its future affordability outlook is “moderately affordable” rather than “extremely affordable” as migration continues driving demand.

Alabama similarly benefits from positive migration trends, growing 2.1% with relocations primarily from the Northeast and Midwest. The state’s combination of low living costs, growing tech and automotive sectors, Gulf Coast beaches, and improving urban amenities in cities like Huntsville and Birmingham increasingly appeals to families seeking affordability without sacrificing economic opportunity. Alabama’s future affordability outlook remains “highly affordable” as its housing market demonstrates stability rather than the rapid appreciation seen in high-growth Sun Belt states like Florida or Texas. The state’s relatively modest population growth and abundant available land suggest that affordability will persist for the foreseeable future, though selective markets like Huntsville may see accelerated price growth driven by aerospace and technology employment.

Conversely, some cheapest states to live in US 2025 face demographic challenges that reinforce but also complicate their affordability positions. Mississippi and West Virginia experience negative population growth of -0.5% and -3.2% respectively, driven by limited economic opportunities, aging populations, and out-migration of young, educated workers seeking better job prospects elsewhere. These demographic headwinds maintain extreme affordability as low demand prevents housing appreciation, but also indicate potential concerns about economic vitality, tax base erosion, and long-term community sustainability. Prospective residents considering these states should carefully evaluate whether ultra-low costs compensate for potentially limited career advancement opportunities, declining population trends, and challenges in community services and infrastructure investment that often accompany population decline. The cheapest states to live in US 2025 ultimately present diverse outlooks, with some positioned for moderate growth and sustained affordability, while others face economic headwinds that maintain low costs but raise questions about long-term viability for families seeking both affordability and opportunity.

Strategic Considerations for Relocating to the Cheapest States in US 2025

Relocating to the cheapest states to live in US 2025 represents a significant life decision requiring thoughtful planning beyond simple cost comparisons. Employment considerations should take priority, as career opportunities, industry presence, and earning potential vary dramatically across states. Professionals in technology, finance, or specialized fields should carefully research whether their target affordable state offers sufficient opportunities in their industry or whether remote work arrangements will be necessary. While the cheapest states to live in US 2025 offer substantial cost savings, moving to a state with limited career prospects could ultimately prove financially counterproductive if income stagnates or declines. Tools like LinkedIn’s job search functions, Glassdoor salary comparisons, and professional association directories help evaluate employment landscapes before committing to relocation.

Family considerations particularly regarding education quality deserve careful evaluation when considering the cheapest states to live in US 2025. States like Iowa and Kansas offer excellent public education systems ranking in the top 15-25 nationally, potentially providing children with better educational foundations than expensive states with struggling school districts. Conversely, states like Mississippi and West Virginia consistently rank in the bottom 5-10 for education quality, raising concerns about long-term academic and career preparation for children. Parents should research not just state-level rankings but specific school districts, individual schools, teacher qualifications, class sizes, extracurricular offerings, and college preparation programs. The substantial cost savings from living in affordable states could be invested in private school tuition, enrichment programs, or college savings accounts if public education quality proves concerning.

Healthcare access considerations become increasingly critical for families with chronic conditions, elderly members, or those planning to age in place within the cheapest states to live in US 2025. Major metropolitan areas like Kansas City, Huntsville, Des Moines, and Nashville offer comprehensive healthcare systems with major hospitals, specialists, and advanced medical technologies comparable to expensive states. However, rural areas in affordable states may provide limited healthcare access with fewer specialists, longer travel distances to quality facilities, and potential gaps in cutting-edge treatments. Prospective residents should verify that their preferred healthcare providers participate in local insurance networks, research hospital quality ratings, and consider proximity to major medical centers. The financial savings from living in affordable states could fund medical travel for specialized care if necessary, maintaining healthcare quality while benefiting from low overall living costs.

The decision to relocate to the cheapest states to live in US 2025 should be approached strategically rather than impulsively, with careful research, extended visits, and ideally a trial period before making permanent commitments. Many successful relocations begin with exploratory trips during different seasons, allowing prospective residents to experience climate variations, explore neighborhoods, meet locals, and assess cultural fit. Renting initially rather than immediately purchasing a home provides flexibility to explore different communities, understand local markets, and ensure the relocation decision aligns with expectations before making substantial financial commitments. The substantial savings offered by the cheapest states to live in US 2025 create genuine opportunities for improved financial security, homeownership, comfortable lifestyles, and long-term wealth building—but realizing these benefits requires thoughtful planning, realistic expectations, and careful evaluation of how cost savings balance against other life priorities including career growth, family needs, healthcare access, and personal fulfillment.

Disclaimer: This research report is compiled from publicly available sources. While reasonable efforts have been made to ensure accuracy, no representation or warranty, express or implied, is given as to the completeness or reliability of the information. We accept no liability for any errors, omissions, losses, or damages of any kind arising from the use of this report.

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