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The plane was on a routine flight from the capital, Kinshasa, to the regional airport at Bandundu when the incident unfolded, on August 25.
It crashed into a house just a few hundred feet from its destination. The occupants of the property were outside at the time.
According to the inquiry report and the testimony of the only survivor, the crash happened because of a panic sparked by the escape of a crocodile hidden in a sports bag.
One of the passengers had hidden the animal, which he planned to sell, in a big sports bag, from which the reptile escaped as the plane began its descent