Three Ways to Reduce Your Insurance Premiums

In today’s world, insurance premiums and related costs seem only to increase. That doesn’t change how important it is to maintain your coverage to protect yourself, your family, and your assets. So as you survey the market, consider utilizing these cost-saving measures that can lower your premium while maintaining all your current levels of protection.

Get more information

Most modern cars are equipped with a variety of smart technologies that can help you gather useful information about your vehicle. These “connected” features collect data from your driving habits and the vehicle’s maintenance needs. Understanding where to find and how to understand this data can help you spot issues early and repair your car before more serious and expensive issues arise. They can also help you achieve higher fuel efficiency to save you money at the pump.

Additionally, many companies offer incentives for good driving. If your insurer offers this type of program, they will send you a device that can be quickly connected to the information system in your car. The device will then observe your driving habits for a short period. At the end of the trial, your insurance premiums could decrease based on the data collected. In other words, if you drive safely, you could see a reduction in your monthly premium. Some companies offer upwards of 15% discounts for safe drivers.

As an extra tip, be careful with your quick accelerations and hard stops as this data could impact your savings.

Explore available partnership discounts

Nearly every insurer offers a wide range of discounts to members of various groups. Being a good student, part of a university alumni association, or a member of a partner organization could help you find savings. You can usually see a detailed listing of these partnerships and discounts on your provider’s website.

If you find you might be eligible for savings, contact your insurance representative to discuss applying the discount to your account. The company will be ready to help you with the process as they look forward to building positive relationships with their customers and partners.

If you aren’t a member of one of these groups, you can research their membership options. Sometimes even a small donation to a non-profit organization can earn you a discount with your insurer.

Combine plans

Lastly, most people carry a variety of insurance plans these days. Car, home, and rental are a few examples of policies that people own. Some insurers will offer customers a discount for carrying multiple policies with the same group. So if you own several plans, you should research options for combining each into one plan with the same provider. This small change won’t impact your coverage while potentially reducing your combined payment each month. If you end up switching companies, you might even qualify for a new customer bonus!

Spending time researching and learning about the features of your insurance plans can help you better understand what you are paying for and where you might cut costs. Each of these options can help you save money and time. Watch and be surprised at how quickly your savings add up!

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Why Work With an Insurance Adjuster

No matter where you live, what you drive or where you work, accidents are a part of life. Some of them you can see coming and know there is little you can do to stop them, while others come out of nowhere and shatter the world you know and replace with an entirely new reality. In each scenario, you can easily feel overwhelmed and ill-equipped to face the process of rebuilding. Thankfully, one does not have to face these situations alone. These are situations for an insurance adjuster.

An insurance adjuster’s job is to work with you and the insurance company to get a settlement that everyone can agree with. Depending on whether they represent the insurance company or you, the client, they will work towards getting that entity the best possible outcome. As such, when you are the victim, it is best to have an independent adjuster who has your back and is willing to fight for your needs.

The Job of an Insurance Adjuster

When you are dealing with an accident or natural disaster that leaves you in need of an insurance adjuster, it is vital that you understand their role in the scenario, as well as your own responsibilities.

Your Job

Gather any paperwork you have on hand that pertains to the situation.
Have pictures of before and after, if at all possible.
Be civil and willing to listen and let the adjuster do the talking.
Never make the first offer!
Document everything. Write down facts, numbers, times, and anyone you speak with; considering recording these elements as much as possible.
Job of the Insurance Adjuster
Inspect the damage. This is the first step regardless of the type of accident or disaster.
In the event of an accident, they will review any police reports and speak to any witnesses
Inform the insurance company of the details of the accident or disaster.
Ascertain where liabilities lie
Compile a damage report so that financial losses can be assessed.
Be the intermediary between the parties involved
Determine the appropriate amount of compensation
Keep in mind that in your first interaction with an adjuster that you will likely need to give a recorded statement and if the claim is of a medical nature, sign a medical release form. Consequently, if you are not prepared to make a statement immediately following the event, it is acceptable to ask for a short period of time before talking.

When you do your part correctly and provide the adjuster with the information they need, then you can be better reel you presented and get what you need to move forward from the situation. Take your time, talk things through calmly and -eventually- your adjuster can help you move on to the other side.

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No ROI Without Relevance in the Insurance Industry

Business strategy today is all about integrating some new insights and forging a comprehensive plan for success. According to a study by McKinsey, companies which use customer analytics extensively are more likely to generate above-average profits. Not stopping there, they also outperform less analytically oriented peers, staying in the lead across the entire customer lifecycle and enjoy much superior customer loyalty. How exactly is analytics helping enterprises?

Much of the credit for this success is being attributed to how responsive businesses today are to customer needs and about their focus on establishing systems and guidelines relevant to the customers. Analytics provide insights into customer preferences to companies, which tailor their content and messages to stay relevant to customers and await a timely opportunity to make offers suited to their customers’ wishes. They use their insights to drive better and more relevant and valuable interactions turning even new customers into loyal ones, so they come back for more, again. They also retain the unshaken loyalty of long-standing customers through these measures.

Important ways in which enterprises stay relevant to customers include the following:

Timeliness: The time to establish relevance is when the customer shows interest in your product, and not at any other time. Your sales plans, targets, and metrics have no relevance to a customer. Pitch your product when a customer wants something like it, and sit back to watch the deal getting struck.

Personalization: Use analytics to understand the mapping of a customer’s decision journey, understand the opportunities and areas of friction with customer interests.

Extrapolation: Extrapolate the insights offered by analytics to cover your demographic of customers at a high level of granularity, using a broad range of attributes like behavior, demographics, location, age or even the customer’s stage in the buying journey. Use them to craft personalized messages which talk to them about what they are looking for only, down to a color or size.

Segmentation: Use data to define customer segments using broad criteria and dive down deeper to make your message personalized and relevant to each group by its characteristics and attributes. These could be thank you notes, feedback requests, new offerings of similar products offering them a special discount or other personalized incentives.

Employee orientation: Businesses need to train and orient their employees to provide personalized experience to the customers, whether in providing a service or responding to an inquiry. They need to be willing to learn and be flexible in carrying their learning from one customer interaction to another, to revise their approach.

Understanding customer intent: Successful enterprises learn to spot positive signals of customer intent or negative signals of their refusal to be engage, using their behavior. This ability to spot a customer’s intentions and read them right qualifies an insurer for success. Insurers today are taking advantage of data from third parties, which provide a deeper insight into customer health needs, lifestyle choices and risk-taking behavior, like recreational activities, travel choices or even weight, to decide how to tailor a policy to suit a customer’s particular needs. Data today can help businesses anticipate intent, by using predictive analysis based on previous or related purchases made by other customers which led them to purchase a specific next product, encouraging upsell initiatives and offers.

Rewarding customers for volunteering data: Customers today tend to reveal data willingly and without any incentivization. Businesses are happy to offer freebies and rewards to customers who are willing to share data which reveals their priorities, habits and tastes.

Upsell or Cross-sell flagged customers: Brands treat high value customers differently. Customers who call in are treated to a wide variety of options and choices as the calling agents offer them relevant products and services, or even an upgrade.

Most businesses are seeing a tremendous value and multiplied return on investment with taking such a relevant approach. They need to recognize that real insights from analytics will not be possible without collecting detailed, relevant and useful information about customers which can be converted into real time business intelligence. It’s also extremely critical to the success of the approach to have all customer-facing agents, representatives, managers and others to subscribe to the same attitude and approach when dealing with the customers.

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5 Powerful Ways To Raise Your Online Profile

More businesses than ever are recognising the power of the online marketplace. The internet offers unrivalled opportunities to connect with potential clients and customers, share your message, and convert interest to sales.

But for many, the disadvantage has been that the online marketplace is crowded, even oversaturated. There is more competition than ever before, and standing out is a challenge.

Clarifying your mission, offering genuine value, and ensuring that you are highly visible, are all vital aspects of achieving success online.

That’s where the tips below come in! Here, we explore five powerful ways that you can raise your profile online and create a genuine connection between your business and its customers.

1: Collaborations

You can stand out in the online marketplace by joining forces with colleagues, peers, and complementary companies in your industry. You could run joint offers, discounts, or campaigns, as well as give interviews to local magazines or websites.

A collaborative, engaging approach tends to work very well online, as this is the perfect space for interaction between businesses and customers who may be all over the world!

Collaborating with others on a piece of content or specific project also means that when the time comes to promote your work, there will be several businesspeople immediately on hand to lead the promotional efforts – all of whom will have an interest in ensuring the work is seen by as many people as possible.

2: Search Engine Optimisation

The first and arguably most important aspect of standing out online can be summarised as SEO (Search Engine Optimisation).

When a potential customer types words related to your business into a search engine like Google, Bing, or others, search engine optimisation is what will help your company to be one of the first results! Appearing high up – even on the first page – of the search results can be crucial for attracting customers.

Search engine optimisation is one of the most powerful tools you can use to attract clients, achieve sales, and grow your business. This is because online search engines are now one of the first places that customers go when looking for specific products or services.

More companies than ever are recognising the value of search engine optimisation and investing in professionals who can create search engine optimised content for them that will generate huge amounts of traffic.

3: Social Media Campaigns

Social media platforms are a great way to generate interest in your business, engage potential customers, and convey your values and products in an interesting way. Standing out in this space can be challenging however, but carefully constructed social media campaigns can help.

Perhaps you are launching a new product, have a special offer coming up, or want to engage in discussions of a pressing industry issue.

In these cases, creating a week’s worth of related content designed to drive customers towards a particular product, service, or blog post on your website, could be especially helpful – teaching customers step-by-step how your business can support them and what assistance you can provide.

Don’t underuse social media by only posting fun or eye-catching material! Merge this approach with a strategic drive towards your products and services, while always conveying their value, and you will have a great chance of success.

4: Events

Consider holding special events – whether online or in-person – that can generate additional interest and engagement with your business. Live Q&As or product demos, for example, can be conducted completely online, while in-person events could include conferences or ceremonies, or speeches from industry experts perhaps.

Whether you choose to operate remotely or in-person, events can be a great way to do a launch, create a buzz, or educate customers on the value and uses of your products.

5: Awards

If your circumstances allow and it is appropriate for your business, consider giving awards or recognition to peers for delivering excellence in your industry; this could lead to collaborations and mutual growth with businesses who complement yours.

If you run a travel business, consider reaching out to a market-leading travel insurance company, for example. Or if you run a stationery business, how about connecting with an art materials supplier?

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Source of Site Traffic That Can Help You Get Past Google

Are you willing to invest in a more long-term and reliable organic traffic source for your website? Then let’s look at a search engine that can assist you in increasing your traffic.

Interview an Influencer or Get Interviewed by a High-traffic Website

Have you heard of Tim Ferriss, the author of the Four-Hour Work Week?

His podcast is nowadays a staple content type that he provides to his viewers. Tim’s show has world-class performers who share their insights on a variety of topics, and he is well-liked on social media. Do Tim’s fans enjoy the show? So far, the show has received over 50 million downloads. On most days, it’s the most popular business podcast on iTunes.

Interviews, whether on video or audio, are inherently conversational, lively, and engaging. The great aspect is that it’s a win-win situation for both sides. The interviewer is exposed to a new audience, while the interviewee is able to provide his website visitors with new fascinating and authoritative information. You can ask an industry influencer to share your interview with their followers on social media if you interview them. Consider the organic traffic you’ll get from their social media followers, which number in the hundreds of thousands. Consider the level of interest generated by a prior Derek Sivers interview on the Tim Ferriss Show. Derek shared the show’s URL with his 283K followers on Twitter. It won’t hurt if you establish a relationship with the influencer as a result of the interview.

Similarly, being interviewed by a high-ranking website can result in a significant increase in search engine traffic. Harsh Agrawal’s blog, Shoutmeloud, received 35,000+ views in a single day after he was profiled by YourStory. That was the blog’s most popular search engine traffic source (with 600,000+ monthly visitors). Because interviews provide consolidated value, they can be used as a long-term lead generating source for your company. Consider how many bloggers you’ve learned about through interviews on YouTube and other high-authority websites.

You may also conduct a Reddit AMA if you have a very compelling storey to tell. Mateen’s AMA got about generating $85,000 in profit by selling TeeSpring shirts/hoodies received 2000 page views. He also boosted the number of visitors to his website on a daily basis.

By registering as a source with HARO, you can also answer queries from journalists. On HARO, Christopher from Snappa came across this question from Inc Magazine about the future of content marketing. He swiftly responded with a thorough response. He was mentioned in Inc a few weeks later as a result of this. HARO is an excellent strategy to have your brand mentioned on authoritative news sites such as Entrepreneur and Inc. Those backlinks will enhance your search engine traffic and increase your marketing strategy by improving your reputation in Google’s eyes. Contact an SEO agency to find out how you can do this and how they can manage it for you while you work on the bottom line of your business.

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Increase Online Business By Hiring SEO Experts

Looking to set up a business or are you already an established but looking to increase your presence online? First and foremost requirement for this is to get a website for your business. A website should tell about the work of your enterprise and should be easy and user friendly with no technical glitches.

To make an online presence one must cater to SEO enabled web pages on its website. When looking to create SEO enabled web page one must contact an SEO Expert who knows the details of his work and can get you a visibility on various search engines.

If you are based in Gold Cost, Australia it is highly recommended you should look out for professional services offered by SEO Expert to enable your website to achieve a high online presence. In today’s new era of the internet for any venture to succeed it is essential for them to own a website of their venture and to increase the visitors of a website, the website should be visible on various search engines.

When looking for a SEO Expert to carry out the work for you, please consider the following points before hiring anyone:

Professional: The expert should be highly professional and should hold an expertise in the area. You cannot expect to receive the best output with an individual with average or mediocre skills. Check the background of the individual or SEO expert service that you are being provided.

Significant Experience: It is important for you to consider the individual for your SEO needs to hire the individual who has a significant amount of experience in the field and knows how to achieve the desired results. You cannot afford to consider a fresher as he might not have worked in the field and the results might not be as desirable as you expect them to be.

Budget Constraint: It is always advisable to discuss the budget of the SEO service in advance to avoid any confusion in future. One must compare prices across the industry to avoid getting duped. One should always take a specific budget constraint into consideration before locking the deal with any expert.

Local Industry Experience: It is important to hire an individual who has knowledge regarding the local industry. He will know what it is like to consider for achieving visibility online in a specific market.

Ongoing support and services: Once the work of the SEO Expert is completed, he should be available for any further queries in the future. It is important to discuss regarding any services required in the future. All such requirements should be discussed in advance.

Monthly Analysis: The SEO Expert should provide you with the monthly analysis of the keyword positions on the website. It is essential to note the position and visibility of the website on various search engines after and before availing the services from the SEO expert.

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Top Five Keywords Research Tools

SEO or search engine optimization is all about keyword research and finding the optimum keywords to get search engines to place your web pages in front of your potential customers. Assuming you have a quality product and are giving quality content to those who subsequently visit your site, then by following this quick guide you should be able to start finding the best ways to find the keywords that are critical to succeed with your website.

There are two main two types of keyword research tool that can help with your overall web strategy that uses the seed keywords to find profitable keywords and the competitor based keyword research which finds proven keywords from other similar sites to drive your traffic.

The five best tools for SEO are below:

The Google Keyword Planner tool is the first on the list because it is one of the best and most commonly used keyword research tools available. One of the main reasons it’s so popular is that it is free and also, it is directly integrated with Google AdWords.

You can create your AdWords Account for free and then start using this Google Keyword Planner Research Tool which has all the information on Google the largest search engine.

This is the best for people who are just starting out and the early stages of your SEO on your website.

Semrush is the number 2 choice as it is the easiest keyword research engine for bloggers. You place in your or your competitor’s URL and it will give you all the ranking keywords for that site.

It will give details on the traffic stats, search engine reports, AdSense CPC and many other details to help you manage your SEO campaign. Semrush is offering a 14 day completely free trial.

Ahrefs Keyword Explorer tool is number 3, it is one of the most popular keyword tools and uses clickstream data to show how many clicks you can get from a given keyword on the search engine. Many key words have a large amount of traffic but few clicks. It is possible to create a keyword list directly from Ahrefs dashboard with a trial of 7 days for $7 it is great value.

Long TailPro is at number four, being another very popular keyword tool. This paid tool is great for niche sites and features an amazing and very detailed keyword analysis feature as well as a competition checker which will help you to choose the right keywords to drive high quality traffic to your web page. They are also offering a $30 discount.

KW finder is number 5. This tool is totally dedicated to keyword research. Although they are very new they are one of the fastest growing SEO tool companies, mainly because they help you find the right keywords that will drive highly targeted traffic to your site. It uses a question based keyword research option to help you find long tailed keywords quickly that are related to problem solving. This type of problem solving content helps to bring quality, targeted traffic to your site and increase click rates and conversions.

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Importance of XML Sitemap in SEO

It is important to understand what XML Sitemap is and why significance it has for SEO. The website is considered as the house and the pages of the site are considered as the rooms of the house. The XML Sitemap is like a blueprint of the house or the Map of the House. It works as the sitemap of the so-called house and the web pages as its rooms. It helps Google to make it easy for the proverbial home inspector for the web-enabling it to rapidly and effortlessly discover all the rooms within your house. It is significant and plays an important role in SEO because the sitemaps help to make it at ease for Google to catch your site’s pages. It is very important as Google gives ranking to the web pages also not merely websites.

There is no disadvantage and drawback at all of using the Sitemap and it helps in improving the SEO of your website, therefore, they are highly advocated and recommend to be used.

Sitemap.xml file is particularly and especially important in cases of:

All the websites and its pages are fashioned dynamically especially on e-commerce sites and financial sites.

It has been observed that in case the site is not well-structured it will not generate well-linked or internal links. Many of the sites have got fewer external links or are a new or newly developed site just started “live”.

In case of large or the heavy sites, they are many archived contents and they may not be well-linked and well-connected.

Other XML Sitemap Properties and Considerations

XML Sitemap Configuration and Formatting:

the content management systems of the websites provide the facility to inevitably generate an XML Sitemap. In case, one uses these programs or in other words an auto-XML Sitemap generator, it is important to ensure that the output remains in the desired and correct format and is also error-free. E.g. Google lays down the guidelines and requires all XML Sitemaps are in compliance and adherence to the specific protocol or the Sitemap Protocol. For the purpose of Sitemap Verification, after a generation or the creation of the XML Sitemap and needs to be uploaded to the web server, you will be looking for the search engines. Google enables and makes its easier with the help of

Google Webmaster Tools. One needs to ensure that the Sitemaps are in the appropriate and correct format and are properly uploaded on the web server before verifying the attempt to upload.

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SEO Factors to Be Considered While Making a Website

SEO is the most important aspect for any website. In this article I will elaborate on the importance of SEO in website development and what SEO factors to consider while developing / designing a website.

1. FAST LOADING TIMES – The most important factor and Google recognizes it. It does not penalizes websites that are slow, but it rewards websites that are fast. Make sure your code is manageable and your client side is rendered fast.

2. SEO Friendly Content – Keep a mixture of images, text and animations. Google loves rich content. Gone are the days, when search engines preferred text. These days, Google will giveyou preference if your content has a video embedded in it. Rich content ranks faster these days.

3. SEO FRIENDLY URLS – Query parameters are good for development but bad for SEO, make sure you have the option of writing a keyword rich URL for that is a ranking factor in Google search result pages.

4. TITLE TAGS, META TAGS, META DESCRIPTION – If you can use a plugin that’s good, but if you have a custom stack development, be aware of these field. Provide provisions on every page to put in these fields.

5. H1, h2 tags – These tags help search engines understand the topic of the underlying content. Google still uses H1 tags to determine relevance. Use these tags to defined your content. Be careful there should be only 1 h1 tag on your page.

6. SITEMAP XML – an XML sitemap is to be submitted to Google webmasters account for faster indexing of your website pages. Make a provision to auto generate or manually generate these sitemaps for fasting indexing by search engine bots.

7. ROBOTS.txt – This file contains an important declaration. It tells the bots about pages that you want indexed when a search engine bot comes looking. It is upto search engines to honor requests mentioned in ROBOTS.txt

8. REMOVE DUMP TEXT / PAGES – Do remember to delete pages, that you used while making the website. This might include images, lorem ipsum passages. Stuffing your website with dump text is not going to help at all.

9. Image ALT Tags – A search engine bot cannot ready your image, but it can only read the alt text of your image. Make provision in your website code to put alt – tags for it is one of the most important factors in SEO.

10. BLOG – Google loves a website that is fresh. Fresh content is ranked higher than stale ones. By maintaining a blog, not only you can build a community of followers, but it helps a lot in website SEO. Make a provision for blog on your website.

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Local SEO Best Practices for Your Business Website

Local search engine optimization isn’t a single strategy you implement to boost your website to the top of search engine rankings. Its powerful digital marketing strategy for business owners wanting to sell to local customers that combines a variety of best practices for SEO. Meaning, if you’re going to increase your local ranking and ensure you are not losing your customer to your competitor – implement local SEO strategies. Local SEO isn’t different from the regular SEO. It’s just that we using keywords that are more relevant to the local audience.

Your SEO checklist for your small business website

Content Rules

Search engines love content that is compelling and fresh. If you want to rank well in local search results, you need to publish new high quality website content as often as possible. Having a local SEO strategy is essential from the very beginning of your planning process. Plan your content strategy based on the keyword research. Your website content should be engaging and useful to your audience. Think of it this way: When many people come to your website using a particular search term, search engines monitor it – you will likely improve your search rankings. Include your keywords in the title tags and meta descriptions of your web pages. It’s observed, people tend to click on the links that have a keyword in it instead of the one which doesn’t.

Optimize NAP Information

After creating content that is optimized for your local search results, optimizing your NAP (Name, Address, and Phone Number) across your web presence is the most crucial factor. Wondering why? Well, search engines can pick up your NAP information from anywhere around the web. So, if you have different data on various sites, Google may not consider as a single entity. Apart from that, the consistency and quantity of NAP is a ranking factor for local search. Also, think about it this way – if people see different business details across the web, they may get confused about which one is the correct one. Moreover, they may end up contacting your competitor who has more consistent business information. A consistent NAP can get you higher visibility in local search.

Go Mobile

Do you log in to your laptop each time you what to search for something? No, right? You would instead pull out your phone or tablet go on the internet to find whatever you need. That’s what your customers would do too. Moreover, if your website gives a poor mobile user experience, they would get frustrated. In April 2015, Google rolled out a mobile-friendly algorithm and website that fail to comply with Google’s Mobile Friendly guidelines will result in losing mobile search traffic. Not only that, Google penalizes the sites which are not optimized for mobile devices. It can drastically hamper your mobile search results ranking. Google even provides tools to determine the mobile-friendliness of your website. Optimize your site for mobiles and embrace the traffic from those small screens out there. A mobile friendly website is also SEO friendly.

Provide Simple and Easy-To-Use Navigation

The website’s navigation is like a roadmap to your site. It is a factor that will decide how quickly a visitor finds what they’re looking. If people are getting frustrated leaving your website, it will result in an increased bounce rate. It will not only impact your user engagement but will also result in the loss of a potential client. Put time to think through and design website navigation that is easy for a visitor to use to find what they want. Plan your website architecture and based on it create website navigation. It will help you to have clarity of what should go where and which pages need to be interlinked.

Link Building is a Must

Search engines count a link back to your site a “vote of credibility”. It means, there is a possibility that search engines would show your site to the searches for the particular keyword. Links are like trust and authority. You will naturally have few links, but link building activity can increase the number of websites linking to your site and furthermore your website ranking. You can outreach websites with relevant, high-quality content that have good authority to link back to your website. It will help your small business to build online exposure, attract more customers and increase your website ranking. Link building demands regular outreach and follows up. It can be daunting, but in the process, you are acquiring quality links for your website and foster new relationships.

Last but not the least…

Local SEO is often complicated. An effective local SEO strategy is never truly complete. Along with optimizing your website, social media can also help you improve your search engine ranking. Search engine optimization and your website’s ranking are interlinked. Following these basic best practices will lay a solid foundation from which to build upon.

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