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Negotiable Certificate of Deposit (NCD)

A certificate of deposit with a minimum par value of $100,000

Written by

CFI Team

Published May 6, 2023

Updated July 7, 2023

What is a Negotiable Certificate of Deposit (NCD)?

A negotiable certificate of deposit (NCD) refers to a certificate of deposit with a minimum par value of $100,000, although typically, NCDs will carry a much higher face value. They are also known as jumbo CDs.

NCDs are guaranteed by a bank and can be traded in a highly-liquid secondary market. However, they cannot be redeemed before maturity. Because NCDs are so large, they are usually purchased by institutions and wealthy individual investors.

Understanding Certificate of Deposits

A certificate of deposit (CD) refers to a product extended by banks, credit unions, and other financial lenders to provide a specified interest rate to investors who leave a lump-sum deposit that cannot be withdrawn for a certain period of time.

Virtually all financial institutions offer CD products with varying interest rates and time lengths. CDs can be considered a much safer investment alternative than bonds, stocks, real estate, and other asset classes due to the predetermined interest rate that removes the volatility of returns.

Opening a CD is much like opening a standard bank account. The main difference is that a CD will lock in the following aspects:

The interest rate: The specified interest rate is locked in

The maturity term: The length of time that the funds are deposited are locked in

The principal: The amount specified to be locked in cannot be changed

Advantages of Certificates of Deposit

Certificates of deposits generally offer a higher interest rate than a savings account or money-market fund.

There are very little risk and volatility associated with the return.

For most financial institutions, it is guaranteed by the federal government.

A certificate of deposit cannot be liquidated before maturity without a penalty, and therefore, is very inflexible.

CDs generally earn a lower return than other asset classes.

The return is fixed and can perform relatively worse than other investments in a time period of rising interest rates.

Features of NCDs

Negotiable certificates of deposit usually come with short-term maturities, ranging from a few weeks to one year. Interest is paid either twice a year or at maturity. The interest rates are negotiable, and the yield is correlated with money market conditions.

NCDs are similar to regular CDs, but the main differences are:

Large face value

Negotiable aspect

In terms of face value, NCDs are more valuable than regular CDs. Although regular CDs can be on varying amounts of funds for regular retail investors, NCDs carry a face value of at least $100,000 and are usually much larger.

Because of the fact, NCDs are not a product purchased by retail investors. Instead, they are used by large institutions and high net-worth individuals as a cash management tool to make sure that cash use is being optimized.

NCD terms are much more negotiable than regular CDs. Generally, a regular retail investor has very little bargaining power when negotiating the terms of a CD. So, the terms of CDs are more dependent on market conditions and financial institutions.

However, large institutional investors and high net-worth individuals have much more bargaining power and can negotiate the terms more broadly with banks and financial institutions.

Advantages of NCDs 1. Low risk (and FDIC-insured)

NCDs are a favored investment product due to their low risk. In addition, NCDs are insured by the Federal Deposit Insurance Corporation (FDIC) in the U.S. The FDIC insures NCDs up to $250,000 per depositor in each bank.

2. More liquid

NCDs are much more liquid than regular CDs. A regular CD cannot be traded on a secondary market, and therefore, the funds are locked in unless an investor is willing to pay a penalty. However, NCDs have a highly liquid secondary market where an NCD holder can sell their NCD if they require liquidity.

NCDs generally offer a return for investors at a higher rate than Treasury bonds. Typically, the yield is higher as well.

1. Riskier than Treasury bills

NCDs are generally riskier than Treasury bills. It is due to the fact that the probability of a specific bank or financial institution defaulting is larger than the probability of default for the U.S government.

2. Can be callable in some cases

Most NCDs do not feature a call option, meaning that the financial institution that offers them cannot recall the certificate and pay back the funds early. However, some financial institutions do offer callable NCDs, which is a large risk for investors in a period of low interest rates. The financial institution can “call” the NCD and pay a much lower prevailing market interest rate to future lenders/investors.

Other Resources

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Internet Scammers Change Some Bu Direct Deposit Accounts

Ten BU employees fell victim recently to internet scammers seeking personal information. Photo by Jackie Ricciardi

Apparently using a common internet deception called phishing, scammers obtained log-in information allowing them to change direct deposit routing information for the paychecks of 10 BU employees in December. The employees’ monthly paychecks were then routed elsewhere.

How the phishers, who usually obtain confidential information via an email solicitation claiming to be from a legitimate organization, got the employees’ private usernames and passwords is unclear. Quinn Shamblin, BU executive director of information security, says they most likely conned the employees with “sophisticated phishing messages.”

BU is one of several universities victimized by phishers recently, and the FBI is investigating all of the cases. As required by law, the University has alerted the Massachusetts attorney general and the state’s Office of Consumer Affairs and Business Regulation.

The Boston University Police Department and University technology personnel are working with federal investigators on the case. “There are no suspects at this time,” says BUPD Detective Lieutenant Peter DiDomenica.

The University learned of the attack when several employees reported that they hadn’t received their direct deposit paychecks for December. Another university informed BU that one of its employees received a direct deposit that wasn’t hers. Erika Geetter, BU vice president and general counsel, says the amount and bank routing information of that deposit were identical to those of one of the 10 victimized BU employees.

Shamblin says that users of suspicious internet protocol (IP) addresses gained access to the Kerberos accounts of 78 employees last month, but they apparently breached only 10 Employee Self-Service (ESS) accounts, which contain direct deposit bank information. The University is investigating whether the remaining 68 were compromised, but Shamblin says that “we have no indication at this time that sensitive information for this population was accessed.”

The suspicious IP addresses, he says, were located in the United States and Africa. “It is extremely common for people engaged in this kind of criminal activity to attempt to hide their location by routing their traffic through a variety of computers between them and the intended victim,” says Shamblin. “This means that the IP addresses we detect at the far end may have nothing whatsoever to do with the actual attacker.”

Shamblin urges employees to confirm important financial transactions as a matter of routine. “When the monthly notice from BU tells you your paycheck has been sent, I would recommend that you check your bank to make sure it properly arrived and notify Payroll or Human Resources immediately if there’s any discrepancy,” he says. “The system cannot tell if the bank account information it contains is accurate. The only way we will know if there’s a problem is if you detect and report it.”

He recommends that anyone who gets suspicious emails report them by forwarding the messages to [email protected].

And of course, adds DiDomenica, “Never provide usernames and/or passwords to any unsolicited requests made by email or by telephone.”

The University is analyzing emails from the BU victims to try to identify any phishing emails connected to the scheme. University officials are working with their counterparts at other schools and with law enforcement authorities to identify suspect IP addresses. BU temporarily shut down its ESS service on January 2 after learning of the breach, and restored the service on January 5 for all except 510 employees who changed their direct deposit information in December. It has notified those workers to confirm that they made those changes; their ESS accounts will remain disabled until they confirm.

In its notification letter to Attorney General Martha Coakley (LAW’79), the University says it will monitor all changes made to direct deposit information through ESS daily until authorities are confident that this scheme is no longer a threat.

Are Certificate Courses Mandatory To Make A Career In Digital Marketing?

Digital marketing is a fast-growing field that requires a lot of skills to succeed in today’s competitive environment. Many courses can help you get the necessary training in digital marketing. The certification courses in digital marketing give you an edge over other people. You are validating your abilities and knowledge by taking the digital marketing course, which also provides you with professional certification.

Having a certification shows that you are willing to continue improving and developing your skills. As the digital world continues to evolve, businesses and individuals need to keep up with the changes to remain competitive. This is why it’s important that they continuously learn about the latest trends and technologies. Read the entire article to learn the ins and outs of digital marketing certificate courses.

What is a Digital Marketing Certificate?

Although a digital marketer doesn’t need a special degree to work in this field, a certification in this field will help increase one’s knowledge and skills, and will also help him or her land a job. A digital marketing certification is a proof that you have acquired a valuable skill set after completing a course.

It can also help you land a job and become more employable. Many companies consider candidates who put in the extra effort to improve their skills.

The Importance of a Digital Marketing Course

By completing a professional digital marketing course, you are validating your skills and demonstrating that you have the necessary knowledge to excel in your chosen field. You are also demonstrating that you are willing to learn and improve. Check out some of the benefits of digital marketing certificates −

Higher Pay-scale Opportunities

The field of digital marketing is booming, and there are a wide variety of opportunities for people who want to work in this field. If you’re a creative person, then you might want to consider becoming a content writer. Similarly, if you’re a technical person, then you might want to work in the PPC or SEO industry. One can work in email marketing, search engine optimization (SEO), copywriting, content writing, and social media marketing.

Professional Recognition

Digital marketing certification helps individuals prove that they have the necessary skills to work in this field. Freshers, career changers, YouTubers, startup owners, IT specialists, anyone can do a certification course to start a career in digital marketing with professional recognition

What is the Eligibility Requirement to Become a Digital Marketing Professional?

Digital marketing courses and certificates can be taken after completing your higher education or university degree. These are recognized by various organizations, such as the AICTE, AIU, and UGC. Some courses are made for working professionals, and some of them require at least 2 years of experience.

Best Digital Marketing Courses Online

One of the best ways to improve your digital marketing skills is by taking a course online. This will allow you to build the necessary knowledge and skills to become successful in this field. Check the list of the best digital marketing courses online and choose the one that suits you.

Udemy: The Complete Digital Marketing Course

The duration of the course is 22.5 hours, and it costs around Rs. 3,499.

Google Digital Marketing & E-Commerce Professional Certificate

This certificate is for individuals who are interested in learning more about how to build an effective online presence. It does not require any previous knowledge of specific digital marketing tools or experience. The course is available on the Coursera platform.

This course is designed for people who are new to e-commerce and digital marketing. It will introduce them to the various skills needed to succeed in this field. Besides marketing, students will also learn about website optimization and customer outreach. The duration of the course is 22.5 hours, and it costs around Rs. 1,140 (1 month), Rs. 2,281 (3 months), and Rs. 3,422 (6 months).

Simplilearn: Digital Marketing Specialist Program

Simplilearn’s Digital Marketing course is designed to introduce students to various digital marketing tools and disciplines. The goal of the Digital Marketing Specialist program is to provide students with a deeper understanding of the various facets of digital marketing.

Through this program, they will have the opportunity to develop their skills in various digital marketing tools. In addition to being able to work on these tools, students will also have the opportunity to gain certification through the Facebook Blueprint.

The duration of the course is 4 months, and it costs around Rs. 64,200.

LinkedIn Learning: Create a Marketing Campaign from Start to Finish

To create effective social media campaigns, the right tools are needed. This course will teach you how to use these tools to create a campaign that will work across various platforms. This is ideal for people who are new to digital marketing.

The duration of the course is one hour and 38 minutes, and it costs around Rs. 1,061.

EDX: Professional Certificate in Digital Marketing

The goal of EdX is to provide the best education possible, regardless of where students are located. Through its various courses, members can gain a deeper understanding of marketing and management. This certificate is for professionals who are interested in learning about the latest digital marketing concepts such as machine learning, AI, and big data.

The course lasts four months and costs approximately Rs. 65,239

Top Companies for Digital Marketing

Check the below-given list of some of the best companies for digital marketing jobs −

The NineHertz






Larsen & Toubro Infotech Ltd.

Tech Mahindra Ltd.


If you’re planning on starting a new career, specialized courses can help you keep up with the changes in the industry. Online marketing is constantly changing, so continuing education can help you keep up with the latest trends and improve your skills.

The Timestamp Signature And/Or Certificate Could Not Be Verified Or Is Malformed

While installing a .NET Framework on your computer, if you get The timestamp signature and/or certificate could not be verified or is malformed error, you can check out these solutions to get rid of this problem. It may also happen while opening or updating some third-party apps on your computer. Either way, you can follow these tips and tricks to eliminate the issue.

Depending upon the source of this problem, the error message says something like this:

Installation Did Not Succeed

.NET Framework 4.8 has not been installed because:

The timestamp signature and/or certificate could not be verified or is malformed.

For more information about this problem, see the log file.

You might also receive an error code 0x80096005 while installing the .NET Framework on your computer.

The primary reason for this problem is the outdated installer, driver, or root certificate. Every driver you want to install on your computer needs to be digitally signed. However, if it is outdated, you might get the problem on your computer.

What is a malformed certificate?

A malformed certificate is a faulty certificate injected into a .NET Framework or driver or software. When Windows cannot verify a certificate before installing the app due to any reason, it tagged the certificate as a malformed certificate.

How do you fix The timestamp Signature and/or certificate could not be verified or is malformed?

To fix The timestamp signature and/or certificate could not be verified or is malformed error, you need to check the certificate’s validity, and download the latest installer from the official website. Apart from that, you can disable the code signing verification as well.

The timestamp signature and/or certificate could not be verified or is malformed

To fix The timestamp signature and/or certificate could not be verified or is malformed error on Windows 11/10, follow these steps:

Check the certificate timestamp

Download the latest installer

Unblock driver

Disable code signing for the driver package

Disable driver signature enforcement

To learn more about these solutions, continue reading.

1] Check the certificate timestamp

It is the first thing you need to check before heading to other steps. If the certificate is expired, you cannot install the driver or the .NET Framework on your computer. To do that, follow these steps:

Switch to the Digital Signatures tab.

Check the Valid from date.

If it is not expired, you can follow the rest of the workarounds. However, if it is expired, you can contact the driver developer or download the latest version of the installer.

2] Download the latest installer 3] Unblock driver

Next, you can continue with the installation process.

4] Disable code signing for driver package

This Group Policy setting lets you install a driver that doesn’t have a digital signature. You can follow this guide when the timestamp is expired as well. For that, do the following:

Press Win+R to open the Run dialog.

Type  chúng tôi  and press the Enter button.

Select the Enabled option.

Choose the Ignore option from the drop-down list.

After that, close all the windows and check if you can install the framework or not.

5] Disable driver signature enforcement

You can completely disable driver signature enforcement on your Windows 11/10 computer to fix this problem. It doesn’t consume much time and fixes the issue immediately. Therefore, follow this detailed guide to turn off driver signature enforcement on Windows 11/10.

That’s all! Hope this guide helped you fix the issue.

Synatx Of Example Of Matlab Polyfit()

Introduction of Matlab polyfit()

MATLAB function polyfit() is defined to fit a specific set of data points to a polynomialquickly and easily computing polynomial with the least squares for the given set of data. It generates the coefficients for the elements of the polynomial, which are used for modeling a curve to fit to the given data.

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Polyfit() function uses input vector (x) to form Vandermonde matrix (V ) having n+1 columns and r = length(x) rows, which is nothing but results in a linear system.

Syntax of Matlab polyfit()

Syntax of Matlab polyfit() are given below:


poly = polyfit(x,y,n) It generates the coefficients of the resultant polynomial p(x) with a degree of ‘n’, for the data set in yas the best fit in the view of a least-square. The coefficients in p are assigned to power in descending order and matching length of p to n+1.

[poly,Struct] = polyfit(x,y,n) It results in a structure S which can be used as input to the function polyval() in order to obtain error estimation.

[poly,Struct,mu] = polyfit(x,y,n) It results in a two-element vector having values-centered and scaled.

mu(1) holds a value of the mean of (x), and

mu(2) ) holds the value of standard of (x).

Using these two values, function polyfit()makes x centered at zero and scaledx to have a unit standard deviation,

Input Arguments

Query Points: Query points are specified as an input of vector type. If x is non-vector element, then this function polyfit() converts x into a column chúng tôi data points in x and their corresponding fitted function values contained in the vector y are formed.


If the vector x has recurring data points or if it needs centering and scaling, warning messages may result out.

Fitted values at query points: Fitted values as inputs are available at query points being specified with the vector data type. The data points in x and their corresponding fitted function values contained in the vector y are formed. If y is the non-vector element, then this function polyfit() converts y into a column vector.

Degree of polynomial fit: Degree of polynomial fit as inputs, are available being specified as any positive integer scalar. In the respective syntax, ‘n’refers to the polynomial power to that of the left-most coefficient in the polynomial ‘p’.

Example of Matlab polyfit()

The below code is designed to generate data points placed equally spaced across a sine curve drawn in a specific interval.


hold off


Use Cases for polyfit() Function

Use cases for polyfit() function are given below:

Fitting  Polynomial to Set of data Points: The below code snippet carry out the fitting process on the polynomial poly of degree 4 towards 5  points.




Fitting the Polynomial function to Error Function: The below code generate a vector having x data points being placed equally in the interval of [0,3.5] and co-efficient are assigned to the polynomial assuming the degree as 6.


hold off


Improving Numerical Properties using Centering and Scaling: While solving the equation p = Vy, the condition number for V is usually large for higher-order fits and results in a matrix with singular coefficient, as the columns of V (Vandermonde matrix) are powers of the x vector.

In such cases, functions like scaling and centering are helpful to improve the numerical properties associated with the system in order to find a fit that is more reliable. In the below example polyfit() is called on three outputs to fit a polynomial of degree 5 along with the process of centering and scaling. The data is centered for the quarter, at 0, and scaled to have a unit standard deviation.


hold off


Simple Linear Regression: A simple linear regression model can be used to apply a fitting to a set of discrete two-dimensional data points.



Combining Linear Regression and Error Estimation: A linear model can be set fit to a set of specified data points and the results can be plotted including an estimation of a prediction interval of 95%.

A few vectors can be created containing sample data points. The function polyfit can be called to fit a polynomial of degree 1 to the given set of data. Dual outputs can be specified to hold the values of coefficients supporting a linear fit as well as a structure containing error estimation.


[poly,Samp] = polyfit(xdata,ydata,1);

/*The error estimation structure is specified as the third input so that the function polyval()computes an estimated standard error. The estimated standard error estimate is stored in the second output variable delta. */

title(‘Usage of polyfit and polyval’)


Additional Note

For n number of data points, a polynomial can be fit to that of degree n-1 to passing exactly through the points.

With the increase in the degree of the polynomial, a fitting process using polyfit()loses the accuracy resulting in to a poorer fit for the data. In such cases, a low-order polynomial is preferable to use that tends to be smoother between the data points or apply a different technique, based on the requirement.

Recommended Articles

This is a guide to Matlab polyfit(). Here we also discuss the introduction and use cases for polyfit() function along with examples and its code implementation. you may also have a look at the following articles to learn more –

The Art Of The Game Of War

The Art of the Game of War

There’s a sequence in the game “Call of Duty: Modern Warfare 2” that you don’t have to play if you don’t want to. I haven’t finished the entire game yet. My Xbox broke while I was working through it, and I haven’t had time to get it repaired. But I did get to this sequence, or level, and I was anticipating it. The game doesn’t offer a specific warning about its content, but you do get a warning before you start playing the game from the beginning that something is coming you might want to skip, especially if you’re a sensitive viewer.[Image credit: mandiberg]

In the first person shooter sequence, your character is an intelligence agent who has infiltrated a terrorist group. In the scene in question, you take part in a terrorist attack. You and a bunch of characters controlled by the computer enter an airport in Russia and start shooting. For the first few minutes, there is no resistance. You are shooting unarmed civilians. People scream and run away. People run up the escalator the wrong way. People fall and die. There’s a lot of blood.

It is, without a doubt, the most disturbing moment I’ve ever encountered in a video game. What’s most interesting, though, is that the scene is completely integral to the plot. If your character didn’t participate in this mission, the events that occur next would never happen.

How do you play such a level? What’s the moral imperative in video games? In some ways, there is none. These aren’t real people, obviously. It’s all just computer generated imagery on a screen. I could kill a million people in a video game. Would it be mass murder? Genocide? No, because nothing really happened.

Would I feel like I’m committing murder? That’s another question, and that depends on the game itself.

The first time I played through the CoD: MW2 level, I tried to avoid killing anyone. It’s possible for the first half of the level, but eventually security arrives, and in order to progress, you have to defeat the armed guards. It felt treasonous, almost, because I knew that my character is an undercover agent, and so the guards are really on my side. But you can’t continue the game without killing the opposition, and so that’s what I did.

The second time I played through the level, I killed everyone I could. I shot women in the head. I walked up to people lying on the floor, begging for mercy, and I shot them in the chest until they stopped moving. I used guns, grenades and knives. I tried to kill more people than the computer-controlled characters next to me.

I tried to enjoy the killing, but I couldn’t. It was very disturbing. I tried to embrace it, but the quality of the graphics, the voice acting and even the story itself all created a world that was just real enough to give me pause. I felt bad about killing innocent civilians in an airport terror attack, even though there was no killing, no civilians and no airport. It was all on screen, and it was all in my head.

That’s art. That is exactly what art is supposed to do. I started thinking about this when Ars Technica’s gaming writer, Ben Kuchera, tweeted that Call of Duty is as much art as Ico, a somewhat more abstract and fantastic video game title. Video games are often disparaged in the art world. Roger Ebert famously landed in hot water recently by penning a story claiming that video games can never be art. He has since made a qualified retraction of his original statement, but nonetheless, it seems that video games still get beaten down and taken to task in a way that traditional, more widely accepted artwork does not.

First, let me define my terms. I believe “art” is any creation that exists purely (or primarily) to elicit an emotional response. Any creation; any emotional response. This is a broad definition (if you didn’t realize, ), and this leaves the category wide open so that a wide range of things can be considered “art.” That’s fine with me. I would much rather argue about whether something is good art, or, even better, whether it’s successful art, than argue about whether it is art at all.

I have no interest in arguing about whether or not video games are, in fact, pieces of art. Some of them are, some are not. I think that the game itself has to elicit a human emotion for the game to be considered art. I don’t mean the act of winning the game, I mean the game itself. So, in my view, Tetris is not a work of art. It’s a fantastic game, one of the best ever created and a personal favorite (I am a Tetris demigod), but the happiness I get from Tetris, or any emotional response, comes from my own skill and success in playing the game. A game like “Call of Duty,” or “Bioshock,” or even “Guitar Hero” elicits a deeper emotional response that comes from being able to relate to the game. If the first two are more obvious, I would say “Guitar Hero” elevates itself to the level of art first because you are literally playing music, and music has always been considered art, but second because the game tries to help us imagine ourselves as skilled, successful musicians. Load up any Guitar Hero video on YouTube and tell me the kid playing complicated, 5-star riffs doesn’t envision himself a skilled musician. I’m not saying he’s right, I’m just saying that’s art.

While I was thinking about this article, a new controversy came up. Electronics Arts will release a new “Medal of Honor” title, another war-based first person shooter, set in today’s conflict zones. Though the story mode will have the player acting as an allied forces soldier, someone on our side, in other words, there is also a multiplayer mode. As Ars Technica quotes EA Games reps as saying: “if someone’s the cop, someone’s gotta be the robber.” To that end, half the players in a multiplayer round will be trying to kill the guys on ‘our side.’ Those opponents could play as “Taliban” soldiers. This has parents groups up in arms in the UK.

Why is it that parents groups always seem to come down on the side of censorship? Why do so-called parents groups try to get the government to mandate what my children can watch, so that my own entertainment has to be reduced to the level of what’s acceptable for my child?

In any case, there are two major flaws to this argument. First, nobody is actually becoming the Taliban. Just because you pick up a joystick and look through the virtual eyes of a Taliban fighter, that doesn’t mean you have anything in common with our enemies in Afghanistan. In a way, these parents groups are not only proving my original thesis that video games are in fact artwork, they are in fact showing just how successful the artwork has become. If the representation wasn’t so powerful, and if the games did not produce a real emotional response, would parents care? Would parents care if their children played games where they could act like a family of small frogs trying to cross a busy highway and getting killed by passing trucks? Of course not, because that was not a successful piece of artwork. But the more powerful representation elicits a more powerful emotional response. Art doesn’t make everyone happy; it isn’t supposed to.

Second, this unfortunately shows video games’ place at the bottom of artistic hierarchy. At the Academy Awards this year, the Best Supporting Actor award went to an actor who played an especially vicious and frightening Nazi. Did any parent group step up and say that Christoph Waltz should not have been allowed to portray a Nazi? Should we blacklist any actor who appears as a Taliban fighter in a movie? Or a soldier in the Burmese army? A serial killer? Not only are these actors not condemned, but the more they frighten us, the more they draw forth a real response from their audience and turn their audience into ersatz victims of their crimes, the more we appreciate their performance.

You can’t have it both ways. You cannot claim that video games do not deserve the same protection and respect as other forms of art, then claim that the emotional response they trigger in their audience is too powerful and needs to be banned. You can’t celebrate an actor’s performance as a murderer or an enemy combatant, then turn around and denigrate the same types of characters in video games.

If you don’t like a video game, or a movie or an exhibit of oil paintings strewn with elephant dung, don’t go to see them. If you’ve played the game, argue about its successes and failures, how it made you feel and how you reacted to that feeling. We’re far past the point where there’s a question about whether video games are a form of art.

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