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const initialTerminationNote = moment(process.env.REACT_APP_MPF_TERMINATION_INITIAL_NOTE, DD_MM_YYYY_HH_mm_ss, true);
else if (phase == "initialTerminationNote") {
        isMPFTerminated = (hkTime.toDate() > initialTerminationNote?.toDate() && hkTime.toDate() < mpfTerminationDatePhase2?.toDate());