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North Bay Village, Florida, offers a selection of accommodations to suit various preferences and budgets. Here are some hotels in and around the area:

North Bay Village, FL

A midscale, smoke-free hotel featuring a heated outdoor swimming pool, exercise room, and on-site restaurant and lounge. Conveniently located 12 miles from Miami Airport.

Hotel Guides
North Bay Village, FL

A clean and safe accommodation option with street parking, located 20 minutes from Miami. Guests appreciate its convenient location and friendly staff.

Expedia.com
North Bay Village, FL

Offers spacious apartments with excellent views of Biscayne Bay, easy parking, and a well-equipped kitchen. Ideal for families and longer stays.

Tripadvisor
North Bay Village, FL

Provides large rooms with comfortable accommodations, including kitchen facilities. Guests enjoy the home-like atmosphere and good cleaning service.

Tripadvisor
North Bay Village, FL

Offers budget-friendly accommodations with basic amenities. Some guests have noted areas for improvement in cleanliness and maintenance.

Tripadvisor

These options provide a range of amenities and price points to cater to different traveler needs in North Bay Village.

Crowned Heads Mil Días

Crowned Heads Mil Días

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Crowned Heads Mil Días: A Thousand Days Worth the Wait

There are cigars you smoke.
Then there are cigars you remember.
Recently, while relaxing on Miami Beach under an approaching summer storm, I lit a Crowned Heads Mil Días that I had acquired during Big Smoke Miami 2026. The setting was perfect. The Atlantic Ocean stretched into the distance. The sky darkened as rain clouds rolled across the horizon. And in my hand was a cigar whose name literally translates to “One Thousand Days.”
After spending time with this cigar, I understood why it has developed such a loyal following among boutique cigar enthusiasts.
The Story Behind Mil Días
The name Mil Días means “One Thousand Days” in Spanish and represents the nearly three-year journey required to bring this blend from concept to production. Crowned Heads developed the project in collaboration with Tabacalera Pichardo, creating a cigar that combines traditional craftsmanship with a modern luxury presentation. (JR Cigars)
For cigar enthusiasts, that level of patience is often a sign of something special.
The blend features an Ecuadorian Habano wrapper, a Nicaraguan binder, and filler tobaccos from Nicaragua, Peru, and Costa Rica. The result is a cigar designed to deliver complexity without overwhelming strength. (JR Cigars)
First Impressions
The first thing that stands out is the presentation.
The band is elegant and refined, displaying the Crowned Heads logo with subtle gold accents that communicate premium quality without appearing flashy. The wrapper is dark, smooth, and oily, giving the cigar an appearance that immediately commands attention.
Construction on my sample was excellent. The draw was effortless, and the cigar felt perfectly packed from head to foot.
Before lighting, aromas of cedar, earth, and natural tobacco sweetness emerged from the wrapper.
Everything about the cigar suggested a premium experience.
The Smoking Experience
The opening third delivered notes of cedar, espresso, leather, and baking spice. As the cigar settled in, subtle sweetness began to appear, balancing the spice beautifully. Various reviewers have noted flavor combinations that include cedar, cocoa, cream, black pepper, cinnamon, and other nuanced transitions throughout the smoking experience. (Small Batch Cigar)
The middle section became increasingly complex.
Coffee notes intensified while touches of cream and sweetness softened the edges. The cigar maintained remarkable balance. Nothing dominated the profile. Every flavor appeared intentionally placed.
What impressed me most was its refinement.
Many medium-to-full-bodied cigars chase strength. Mil Días pursues complexity.
The final third introduced deeper earthiness while maintaining the smooth character that defined the experience from the beginning. The finish was long, satisfying, and clean.
Construction and Burn
Even in Miami’s challenging beach environment, with humidity rising and weather moving in from the ocean, the cigar performed exceptionally well.
The burn remained consistent.
The draw remained open.
Smoke production was abundant.
This level of construction reflects the attention to detail that has become synonymous with Crowned Heads and the artisans behind the blend. (Nick’s Cigar World)
Why It Stands Out
What separates the Mil Días from many premium cigars is its ability to satisfy both experienced enthusiasts and newer smokers.
It offers complexity without aggression.
Strength without harshness.
Luxury without pretension.
The blend showcases the craftsmanship associated with legendary cigar maker Ernesto Perez-Carrillo, whose influence on the premium cigar industry has earned worldwide recognition. (Wikipedia)
As Winston Churchill once said, “A cigar is a sort of thing not exactly a pleasure, it is a sort of thing that is more than a pleasure.”
The Crowned Heads Mil Días embodies that sentiment perfectly.
What You Need to Know
The Crowned Heads Mil Días is a medium-to-full-bodied premium cigar featuring an Ecuadorian Habano wrapper, Nicaraguan binder, and fillers from Nicaragua, Peru, and Costa Rica. It delivers notes of cedar, espresso, spice, cream, cocoa, and subtle sweetness while maintaining exceptional balance and construction. For many boutique cigar enthusiasts, it represents one of the finest offerings in the Crowned Heads portfolio. (JR Cigars)
Final Thoughts
A great cigar becomes connected to a moment.
For me, the Crowned Heads Mil Días will always be linked to a Miami afternoon beneath a beach umbrella, watching storm clouds gather over the Atlantic while enjoying one of the most balanced boutique cigars I have smoked in recent years.
This is not a cigar that relies on strength to make an impression.
It relies on craftsmanship.
And after one thousand days of development, that patience clearly paid off.
Call to Action
If you encounter a Crowned Heads Mil Días at your local tobacconist or during a premium cigar event such as Big Smoke Miami, do yourself a favor and experience it. Bring a good cup of coffee, find a comfortable chair, and give yourself the time this cigar deserves.

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How Justo Villalobos Helps Individuals and Businesses Build Stronger Credit and Access Capital

How Justo Villalobos Helps Individuals and Businesses Build Stronger Credit and Access Capital

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Meet the Financial Strategist Behind Buildworth Strategies

8 Minute Read

TL;DR
Building strong credit is about more than removing negative items from a report. It requires education, strategy, persistence, and a comprehensive understanding of consumer and business credit systems. For more than 22 years, Justo Villalobos has helped individuals and businesses improve their financial standing, strengthen credit profiles, and position themselves for future opportunities through Buildworth Strategies.

Key Takeaways

Credit improvement requires both strategic planning and long-term financial discipline.
Understanding consumer protection laws can help individuals advocate for their financial rights.
Business credit is often one of the most underutilized tools available to entrepreneurs.
Communication and transparency are critical factors in successful client outcomes.
Every credit situation is unique and requires a customized strategy.
Financial education is often the foundation for long-term success.
Building strong credit can create opportunities for homeownership, business growth, and wealth creation.

Who This Article Is For
This article is designed for:

Business owners
Entrepreneurs
Homebuyers
Real estate investors
Individuals seeking credit improvement
Professionals pursuing financing opportunities
Anyone interested in understanding how credit works

Primary Question
Who Is Justo Villalobos and How Does He Help People Improve Credit and Access Capital?

Direct Answer
Justo Villalobos is the President and CEO of Buildworth Strategies, a financial services firm specializing in personal credit improvement, business credit development, and funding readiness strategies. With more than two decades of experience in banking, lending, underwriting, and financial services, he helps individuals and businesses strengthen their financial profiles and pursue greater access to capital.

Meet Justo Villalobos
In an industry where many consumers feel overwhelmed by financial uncertainty, Justo Villalobos has built a reputation around persistence, education, and strategic problem solving.
As President and CEO of Buildworth Strategies, Villalobos has dedicated his career to helping individuals and business owners improve their financial standing, strengthen credit profiles, and gain access to funding opportunities that can transform their lives and businesses.
Over the past decade, Buildworth Strategies has assisted more than 65,000 clients, giving the organization exposure to virtually every type of credit scenario imaginable. This extensive experience has allowed Villalobos and his team to develop customized strategies designed to address both common and complex financial challenges.

A Career Built on Financial Services
Villalobos graduated from Barbara Goleman Senior High School in Miami and later pursued Business Administration studies through Ashford University.
His professional background includes:

Business Banker at Bank of America Lending Division
Mortgage Broker
SBA Underwriting Experience
Financial Advisor
Licensed Life Insurance Professional
Investment Professional

In addition, he holds several industry certifications, including:

FICO Certified
FCRA Certified

These experiences provided a deep understanding of lending, underwriting, credit evaluation, and financial risk management that continues to benefit clients today.

What You Need to Know
One of the biggest misconceptions surrounding credit is that scores improve through a single action or quick fix.
According to Villalobos, successful credit improvement often requires a combination of:

Strategic planning
Credit education
Positive account development
Responsible financial habits
Understanding consumer protection laws
Ongoing monitoring and adjustments

Credit is not random. It follows established principles, regulations, and scoring models that can be understood and leveraged when approached correctly.

How Buildworth Strategies Helps Clients
Personal Credit Services
Buildworth Strategies assists clients with:

Credit profile improvement
Credit repair strategies
Preparing for home purchases
Refinancing readiness
Auto loan preparation
Financial profile optimization

Business Credit Development
The company also helps entrepreneurs build stronger business foundations through:

Business credit establishment
Dun & Bradstreet profile development
Experian Business profile optimization
Equifax Business profile development
Vendor account establishment
Business funding preparation
Credit card and loan readiness

By addressing both personal and business credit, Buildworth Strategies helps clients create scalable financial opportunities.

What Makes Buildworth Different
Many firms focus exclusively on dispute-based credit repair. Villalobos takes a broader approach.
Buildworth Strategies evaluates every case individually and explores multiple potential solutions, including:

Electronic dispute processes
Telephone disputes
Written disputes
Certified mail strategies
Direct creditor communication
Credit profile optimization
Consumer protection advocacy

This comprehensive approach reflects the company’s philosophy:
No stone left unturned. No option unexplored. No detail overlooked.

A Client Success Story
One of Villalobos’ most memorable success stories involved a homeowner facing a difficult financial situation.
The client owned a property with substantial equity but could not access those funds because of credit challenges. Despite previous attempts to improve his credit independently and through other providers, he remained below the score threshold needed for refinancing.
Buildworth Strategies implemented a customized strategy that focused on both negative-account resolution and positive credit-building techniques.
After approximately six months:

The client’s score exceeded lender requirements.
He qualified for a cash-out refinance.
He accessed the equity in his home.
He completed critical property repairs.

For Villalobos, success is not simply measured by scores but by the opportunities those scores create.

The Importance of Financial Education
A recurring theme throughout Villalobos’ career is education.
Many consumers never receive formal instruction on:

Credit scoring
Consumer rights
Lending standards
Business credit development
Financial planning fundamentals

As a result, Buildworth Strategies provides clients with educational guidance designed to help them make informed financial decisions long after the engagement has ended.

Featured Insight

The Most Successful Credit Strategy Is Education
While many people focus solely on credit scores, long-term financial success typically comes from understanding how credit works and making informed decisions consistently over time.

“Success in credit improvement isn’t about accepting limitations. It’s about finding solutions and continuing to advocate for the client until every possible option has been explored.”
— Justo Villalobos

What You Need to Know
Strong credit can open doors to homeownership, business funding, refinancing opportunities, and financial flexibility. The most effective approach combines education, strategic planning, responsible financial behavior, and a thorough understanding of how credit systems operate. Long-term success is built on informed decisions rather than short-term fixes.

Frequently Asked Questions
How long does credit improvement typically take?
Every situation is different. Credit improvement timelines depend on factors such as account history, existing negative items, debt utilization, and the specific goals of the individual or business.
Can business owners build credit separate from personal credit?
Yes. Business credit profiles can be established through commercial reporting agencies and vendor relationships, helping businesses build independent financial credibility.
Why is financial education important for credit success?
Understanding how credit works allows individuals to make informed decisions, avoid common mistakes, and maintain long-term financial health.
What is business credit used for?
Business credit can help companies qualify for vendor accounts, business credit cards, loans, lines of credit, and other financing opportunities.
Can improving credit help with buying a home?
A stronger credit profile may improve financing options and potentially help borrowers qualify for mortgage programs, subject to lender requirements.

Famous Quote
“Success is where preparation and opportunity meet.”
— Bobby Unser
This quote reflects the philosophy behind strong credit management. Credit preparation often determines whether someone can take advantage of an opportunity when it arises, whether purchasing a home, expanding a business, or securing financing.

Final Takeaway
The journey toward stronger credit is rarely about finding shortcuts. It is about understanding the system, creating a strategic plan, and remaining committed to long-term financial growth. Through Buildworth Strategies, Justo Villalobos continues to help individuals and businesses position themselves for greater opportunities by strengthening one of their most important financial assets—their credit profile.

Contact Buildworth Strategies
If you would like to learn more about personal credit improvement, business credit development, or funding readiness strategies, contact Buildworth Strategies for a professional evaluation.
Justo Villalobos
President & CEO
Buildworth Strategies, LLC
Phone: (855) 532-8453
Email: jv@buildworthstrategies.com
Website: www.buildworthstrategies.com

Industry Disclaimer
This article is provided for informational and educational purposes only and should not be construed as legal, tax, accounting, investment, lending, or financial advice. Individual results vary based on personal circumstances, credit history, lender requirements, and market conditions. No specific outcome, credit score increase, loan approval, financing approval, or financial result is guaranteed.

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How Wil Somerville Built Buena Vista Insurance

How Wil Somerville Built Buena Vista Insurance

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From Marketing to Insurance: How Wil Somerville Built Buena Vista Insurance Around Trust, Relationships, and Service
Helping Individuals, Families, and Businesses Protect What Matters Most
8 Minute Read
TL;DR
Wil Somerville, MBA, is the owner of Buena Vista Insurance Brokers and a licensed insurance professional serving individuals, families, and businesses throughout Florida. With a background in real estate, marketing, and insurance, Wil focuses on helping clients make informed decisions about health, life, property, casualty, and business insurance while building long-term relationships rooted in trust and service.

Key Takeaways

Wil Somerville combines marketing expertise with insurance knowledge to help clients make informed decisions.
Buena Vista Insurance Brokers specializes in personalized insurance consultations rather than one-size-fits-all solutions.
Wil holds both Florida 2-15 and 2-20 insurance licenses.
Clients benefit from working with an independent insurance professional who can evaluate multiple options.
The company’s mission centers on protecting families, businesses, and future generations.
Education and personal service remain at the core of Buena Vista Insurance Brokers.
Insurance planning can be an important part of preserving wealth and creating a lasting legacy.

Who This Article Is For

Individuals seeking health insurance
Families planning for the future
Business owners
Employers seeking group benefits
Homeowners
Vehicle owners
Professionals looking for personalized insurance guidance

Primary Question
Who is Wil Somerville and how does Buena Vista Insurance Brokers help clients protect their financial future?

Direct Answer
Wil Somerville is the owner of Buena Vista Insurance Brokers and a licensed insurance professional serving individuals, families, and businesses throughout Florida. Through personalized consultations and access to multiple insurance solutions, he helps clients protect their assets, manage risk, and create long-term financial security.

Table of Contents

Meet Wil Somerville
From Real Estate to Insurance
What Makes Buena Vista Different
Understanding His Insurance Licenses
Serving Florida Families and Businesses
What You Need to Know
FAQ
Famous Quote
Final Takeaway
Contact Buena Vista Insurance Brokers

For Wil Somerville, insurance is about far more than policies and premiums. It is about helping people protect what they have worked hard to build.
Based in Miami, Florida, Wil is driven by a mission to help individuals, families, businesses, and employees grow wealth, protect loved ones, and leave a legacy for future generations. His professional philosophy is anchored in trust, compassion, education, and service.
As the owner of Buena Vista Insurance Brokers, Wil works closely with clients to understand their goals before recommending solutions. Rather than focusing on transactions, he focuses on relationships.

Wil’s entrepreneurial journey began long before entering the insurance industry.
His father was a real estate developer, which inspired his early interest in business and development. During his college years, Wil completed an internship with a real estate developer in Los Angeles, gaining firsthand exposure to the industry.
After returning to South Florida, he worked with Keyes and continued pursuing opportunities within the real estate sector. However, a position with a marketing company serving insurance organizations introduced him to a new industry.
For approximately 15 years, Wil built experience in marketing and business development while working closely with insurance professionals. Over time, he developed a deep appreciation for the role insurance plays in protecting families, businesses, and financial futures.
That experience eventually led him to establish Buena Vista Insurance Brokers.

Buena Vista Insurance Brokers was built on a simple principle: help people make informed decisions.
The company focuses on providing personal consultations that eliminate confusion and simplify the insurance selection process.
Rather than forcing consumers to navigate endless online searches and sales calls, Buena Vista Insurance Brokers provides direct guidance tailored to each client’s situation.
Areas of focus include:

Individual Health Insurance
Group Health Insurance
Life Insurance
Home Insurance
Auto Insurance
Commercial Insurance
Business Insurance Solutions
Risk Management Strategies

The firm’s objective is to provide “La Buena Vista”—the good view—when helping clients evaluate risk and coverage options.

Wil holds two important Florida insurance licenses.
Florida 2-15 License
This license allows him to assist clients with:

Life Insurance
Health Insurance
Disability Insurance
Long-Term Care Insurance
Fixed Annuities
Variable Annuities

Florida 2-20 License
This license authorizes him to provide:

Homeowners Insurance
Auto Insurance
Commercial Insurance
Property Insurance
Liability Insurance
Business Insurance Solutions

These licenses allow Wil to serve both personal and commercial clients across multiple insurance categories.

One of Wil’s greatest strengths is his ability to understand that every client faces different circumstances.
A growing family has different concerns than a business owner. Likewise, a professional planning retirement requires different solutions than someone purchasing insurance for the first time.
By focusing on education and personalized consultation, Wil helps clients evaluate factors such as:

Cost
Coverage
Network Access
Long-Term Financial Goals
Risk Exposure
Family Protection

This consultative approach helps clients make informed decisions based on their unique needs.

Featured Insight Box
Insurance works best when it is proactive, not reactive. The right strategy can help protect income, assets, loved ones, and long-term financial goals before unexpected events occur.

Pull Quote
“The best insurance conversation isn’t about policies—it’s about protecting the people and goals that matter most.”

Wil Somerville combines decades of experience in business development, marketing, and insurance to help individuals, families, and businesses make informed insurance decisions. Through Buena Vista Insurance Brokers, he offers personalized guidance designed to protect assets, manage risk, and support long-term financial goals while emphasizing trust, education, and service.

Is Wil Somerville a captive insurance agent?
No. While Wil is a licensed insurance agent associated with New York Life, he is not limited exclusively to one carrier through Buena Vista Insurance Brokers and can help clients evaluate appropriate options based on their needs.
What types of insurance does Buena Vista Insurance Brokers offer?
The firm provides access to health insurance, life insurance, group benefits, auto insurance, homeowners insurance, commercial insurance, and business insurance solutions.
What is a Florida 2-15 license?
A Florida 2-15 license authorizes the sale of life insurance, health insurance, disability insurance, long-term care insurance, and annuity products.
What is a Florida 2-20 license?
A Florida 2-20 license authorizes the sale of property and casualty insurance products, including auto, homeowners, liability, and commercial insurance.
Where is Buena Vista Insurance Brokers located?
Buena Vista Insurance Brokers is located at 777 Brickell Avenue, Suite 1370, Miami, Florida 33131.

“An investment in knowledge pays the best interest.” — Benjamin Franklin
This quote reflects Wil’s approach to insurance. Educated consumers make better decisions, and informed planning often leads to stronger financial outcomes and greater peace of mind.

Insurance is ultimately about protecting people, opportunities, and futures. Through Buena Vista Insurance Brokers, Wil Somerville helps individuals, families, and businesses navigate complex insurance decisions with clarity, professionalism, and a commitment to long-term relationships built on trust.

If you’re evaluating health, life, personal, or commercial insurance options, contact Buena Vista Insurance Brokers for a personalized consultation.
Phone: (305) 528-8147
Email: info@buenavistainsurancebroker.com
Office:
777 Brickell Avenue, Suite 1370
Miami, Florida 33131

Industry Disclaimer
Insurance products, features, and availability vary by carrier, policy, and state. Coverage is subject to underwriting approval and policy terms. This article is intended for informational purposes only and should not be considered legal, tax, accounting, or financial advice. Consult qualified professionals regarding your specific situation.
Neither New York Life Insurance Company nor its agents provide legal, tax, or accounting advice. Consult your own advisors before making financial decisions.

Wil Somerville, MBA
Owner Agent
Buena Vista Insurance Brokers
Wil Somerville is an experienced insurance professional serving individuals, families, and businesses throughout Florida. With a background spanning real estate, marketing, and insurance, he is committed to helping clients protect their assets, manage risk, and build long-term financial security.
Website: www.buenavistainsurance.com
Phone: (305) 528-8147
Email: info@buenavistainsurancebroker.com

 

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Toy Story 5 Opens With Franchise-Best $160M Weekend

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Pixar’s beloved toy chest is officially back on top. Toy Story 5 stormed into theaters this weekend with a record-breaking $160 million domestic opening, making it the biggest box-office debut of 2026 and the strongest opening in the franchise’s storied history, according to the Associated Press.
The film’s extraordinary performance signals a powerful resurgence for Pixar animation and a continued appetite among audiences of all ages for heartfelt, character-driven storytelling. The $160 million haul surpasses the previous franchise record and places Toy Story 5 among the most successful animated openings of all time. Families across the country packed theaters over the Father’s Day weekend, making the celebration doubly special for many moviegoers who grew up alongside Woody, Buzz, and the rest of the Andys Room gang.
Industry analysts point to a combination of deep nostalgia, masterful marketing, and Pixar’s reputation for emotionally resonant storytelling as key drivers behind the film’s blockbuster debut. The Toy Story franchise, which launched in 1995 as the world’s first fully computer-animated feature film, has now grossed billions of dollars globally across its five installments. Each chapter has managed to introduce new characters and themes while honoring the spirit of the original, a balance that has kept fans loyal across generations.
Critics and audiences alike have responded warmly to the fifth chapter, praising its animation quality, voice performances, and an emotionally satisfying story that reportedly tugs at the heartstrings just as powerfully as Toy Story 3 did over a decade ago. With international numbers still rolling in, global totals are expected to push the opening weekend figures significantly higher, setting the stage for what could become one of the highest-grossing animated films ever made. For fans young and old, it appears the toys still have plenty of life left in them.
Sources: WSVN 7News, Associated Press. This article was written with the assistance of artificial intelligence and reviewed for accuracy and editorial standards.

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VP Vance Says Iran Peace Talks Build ‘Good Foundation’ for Deal

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Diplomatic momentum appears to be building in Switzerland, where Vice President JD Vance emerged from high-stakes peace talks with Iranian officials expressing cautious optimism. Vance announced Monday that the discussions had set a “good foundation for a successful final deal” aimed at bringing an end to the ongoing conflict, marking a potentially significant step forward in international diplomacy.
The talks, held in the scenic Swiss setting of Obbuergen, brought together American and Iranian representatives in what observers are describing as a constructive and substantive round of negotiations. Switzerland has long served as a neutral diplomatic ground, and the choice of venue underscored the seriousness with which both sides are approaching the process. Vance’s comments were notably measured yet hopeful, reflecting the careful tone that diplomats typically adopt when reporting early but meaningful progress.
International observers and foreign policy experts reacted to the news with guarded optimism, noting that any progress toward a peaceful resolution would carry enormous humanitarian and geopolitical significance. Diplomatic channels between the United States and Iran have historically been complex and difficult to navigate, making Monday’s encouraging report a welcome development for those who have long advocated for a negotiated solution. Allied nations and international organizations are expected to closely monitor the coming weeks for further signals of progress.
While significant work remains before any final agreement can be reached, the tone set by Vice President Vance suggests that both delegations left Switzerland with a shared sense of purpose and direction. Diplomacy advocates around the world are encouraged by the news, and many are hopeful that continued dialogue will translate into a lasting and peaceful resolution. Further rounds of talks are anticipated, and the global community will be watching closely as negotiators work to build on the foundation established this week in Switzerland.
Sources: WSVN 7News, The Associated Press. This article was written with the assistance of AI and reviewed for accuracy and editorial standards.

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