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  "description": "A contingency reserve of about 10% to 20% of the project cost is a practical starting point. That buffer can help cover hidden repairs, code-related upgrades, o",
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        "text": "A contingency reserve of about 10% to 20% of the project cost is a practical starting point. That buffer can help cover hidden repairs, code-related upgrades, or material substitutions without stalling the project. If your home is older, the safer end of that range is usually more realistic."
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