Best's Insurance Professional Resources
Client-Recommended Attorneys, Adjusters and Experts
Best's Insurance Professional Resources
Client-Recommended Attorneys, Adjusters and Experts

Videos
UE’s Abraham: Education Sector to Face Increased Demographic Shifts 
Nayms’ Verbeeten: Crypto Insurance Provides Peace of Mind 
Marsh McLennan’s Surminski: Updates to Flood Risk Index Include Impact Scenarios
Verisk Director: Rising Exposure, Inflation Among Cat-Loss Drivers in Asia-Pacific
Ensuro’s Mirabella: Need for Crypto DeFi Insurance Growing
HSB's Riggs: Insurers Increasingly Employ Sensor Technology to Mitigate Risk 
Zelros’ Philippon: AI, Machine Learning Help Bridge Uninsured Gap
Marble’s Sundar: App Helps Empower Households to Manage Insurance, Risk 
HSB’s O’Shaughnessy: Insurers Are Collaborating to Mitigate Risk 
Fidelis’ Mathias: More Product Clarity Needed in Sales Efforts 
Verisk's Shavel: Insurers Can Better Weather the Constantly Changing Technological Environment With Data Partnerships 
IGI’s Jabsheh: Reinsurers Coming to Grips With Volatility, Changing Risk Landscape 
Scor’s Conoscente: ESG Path Going Forward Is Very Clear 
Convex Execs: Evolving Risks Spur New Conversations 
Delta's Pollard: Mitigation Is Key to Managing Risk for the Asia-Pacific Region Insurance Group 
LexisNexis’ Rush: Data Key to Understanding Risks, Coverage Needs 
J.D. Power's Ellingsworth: Auto Telematics Pierces the Veil on Actual Usage 
CargoCorp’s Martinez: War, Labor Shortage, Climate Change Create Maritime Transport Disruptions 
AGCS Claims Officer Sepp: Fire Tops Global Causes of Loss by Value 
III's Kevelighan: Insurers Already Out of the Gate in Climate-Risk Race 
ACORD’s Pieroni: The Curious Case of Hypermature Markets 
Sylvia Group’s Beauregard: Insurers Increasingly Involved in Loss Control for Schools 
Insurance AUM's Foley: Outsourced Investments Climb to $3.4 Trillion 
IBHS’ Hedayati: 'Wildfire Season' Is No Longer Seasonal 
Conning’s Reilly: Inflation, Market Volatility Force Insurers to Reexamine Investment Strategies 
Conning's Pitt: MGA Market Sees Double-Digit Growth in 2021 
Transunion's Jackson: Millennials Are Becoming 'Very Active' in Homeowners Market 
PRMA Director: Weather, Sharing Economy Pose Growing Risks for Homeowners
PwC’s Friedman: Private Equity-Backed Buyers Will Increase Insurance Dealmaking 
Swiss Re’s Bodenschatz: Cypto Liability, Quantum Computing Among Emerging Risks 
Allianz Risk Consulting's Miner: Video Monitoring Mitigates Concert Risk 
FM Global’s Tofte: Denmark, Switzerland, Luxembourg Among the Most Resilient 
Sagesure's Nelson: Insurers’ ESG Objectives Should Include Nat Cat Recovery, Rebuilding 
ProAg CEO: A Shift of ‘Tornado Alley’ Would Change Farmers’ Risk Profile 
Nationwide's Stueber: Insurers Must Adapt to the Workplace of the Future 
Limra: Account-Takeover Fraud Rises in Life Insurance, Annuity, Retirement Plans 
Karen Clark & Co.: Models Must Catch Up to Science 
Author: Technology Helps Insurers Conduct Insurance Commerce, Fight Intimacy Awkwardness 
Allianz: Businesses Must Prepare for Rising Social Unrest
Author: Pandemic Has Changed How Agents and Brokers Sell 
Limra’s Tumicki: Some Patients Lacking Insurance Turn to Savings When Unable to Work 
CSAA's Huebner: Insurance Industry Cautiously Optimistic Heading Into Wildfire Season 
New App Helps Insurance Agents Work While on the Move 
Transunion's Jackson: Inflation Pushing Insurance Consumers Toward Telematics 
Cybersecurity Exec Haber: Not Enough States Have Adopted Insurance Data Security Law 
Risk Consultant Varney: Hurricane Preparation Should Include More Than the 'Building Envelope' 
Munich Re US' Bove: Another Active Season for North Atlantic Hurricanes Is Here 
Travelers’ Ives: New Hires at Greater Risk of Workplace Injury 
Allianz Global Corporate & Specialty's Khanna: Total Vessel Losses Down by 57% Over the Past Decade 
Vermont’s Provost: Retiring After More Than Two Decades, but Happy to Pass the Captive Torch
Aon’s Bowen: La Nina Conditions Could Create Another Above-Average Hurricane Season in 2022 
Author: When Integrating Technology, Companies Risk Becoming Tech-Shackled 
Poulton Associates CEO: More Innovation Needed to Create Insurance Mechanisms for the Public Good 
Wharton’s Kousky: Enhanced Building Codes, Rebuilds Needed to Mitigate Disaster 
MPL Association’s Atchinson: ‘Considerable’ Amount of Risk Moving Into the Alternative Market 
Author: Industry Professionals’ Success Stories Help New and Struggling Agents 
Bermuda BDA’s Weinstein: Any Progress From Florida’s Special Legislative Session Would Be Welcome 
ProAssurance Corp. CEO: Pricing, Inflation, Large Jury Awards Hold MPLI Sector in Flux 
Author: Annuities Can Help ‘Constrained Investors’ Manage Risk 
Limra’s O’Donnell: COVID-19, Labor Market Fuels Rise in Workplace Benefit Sales 
NAIC: Newly Developed Technology Simplifies Home Inventories for Consumers 
Foresters Financial: New App Inspires and Rewards Healthy Lifestyles 
Swiss Re’s Junge: 2021 Global NatCat Loss Reached $270B and Insurance Covered 43% of It 
Aon Edge's Dickson: 'Opacity' Still Missing From Federal Flood Program 
ICMIF's Tarbuck: Federation Celebrates 100th Anniversary With 200 Member Organizations 
US Assure’s Ferguson: 2022 Economic Issues to Shape the Construction Industry
Exdion's Ram: Pandemic Leads to Digital Wave for Brokers 
RIMS President: RISKWORLD Conference Name, Content Reflect Globalization of Risk Management 
Foresight: New App Digitalizes Workers’ Comp 
Embroker’s Prymas: Everyone Is a Cyber Target 
Author: Insurance Agents Must Transition From Generalists to Specialists 
FIU’s Olson: Prototype Facility Will Test Forces of a ‘Category 6’ Hurricane 
CyberCube’s Altman: Insurers, Reinsurers Must Tighten Defenses Against Potential Russian Cyberattacks
Scor’s De Sousa: Social Responsibility Is Driving Changes in Mortality, Future Life Insurance Costs 
McKinsey’s D’Amico: Amid Declining Profitability in the Industry, Agility Is Key 
VCIA President: Outlining Initiatives to Chart a New Course for the Association 
New York Life’s Ball: Younger Generations Are Increasingly Creating Financial Nest Eggs
Author: Culture Is Key to Driving Results, Employee Engagement 
Zurich North America CRO: Climate Risk Tops Global Business Owners’ Concerns in 2022 
Chubb’s Naughton: Water Damage an Overlooked Risk for Homeowners, Renters 
Foresight Executive: Industry Working to Juggle Risk Management Amid COVID-19 
PwC’s Carr: Insurance Executives Must Make Deliberate, Aggressive Strategic Choices 
Liberty Mutual’s Perez: Shock Verdicts Having Adverse Impact on Insurance Industry
Beazley: Despite New and Ongoing Risks, Business Leaders Feel More Resilient This Year 
QBE: Technology Mitigates Losses From Some Water Damage, Inconveniences of Home Inspections 
Clyde & Co: What Attorneys, Insurers Should Know Amid Rise of Shock Verdicts
LIMRA CEO: A Significant Life Insurance Coverage Gap Remains Among Black Americans 
Allianz Global Corporate & Specialty’s Christie: Cyber Incidents Top Allianz Risk Barometer 
Swiss Re's Holzheu: Third-Party Litigation Funding Driving Up Premiums 
IICF: Online Resource Attracts Nontraditional Job Seekers 
CNA’s Hernandez: Winter Storms Mean Huge Insurance Losses 
Conning: Insurers Becoming More Engaged With ESG 
Verisk’s Fulton: Technology Speeds the Estimating Process
Limra’s Salka: Consumers Highly Confident in Insurers Amid Growing Concerns About COVID, Economy 
Planck CEO: AI Helping to Alleviate Effects of Insurtech Labor Shortage 
Resilience’s Vitale: Underwriting Profitability, Communication Are Essential for Building MGA Relationships 
Baker Tilly’s Oddy: Speed and Efficiency Are New Hallmarks of Commercial Claims 
NFIP's Maurstad: We Want to Continue to Work With Private Sector
J.D. Power’s Ellingsworth: P/C Industry Lags Behind in Digital Experience 
Wright Insurance’s Bloodgood: Police Shootings Spur Changes, Increase Risk Management 
ACORD's Pieroni: The Misguided Pursuit of Developing Markets 
Maguire Academy of Insurance and Risk Management at St. Joseph's University: Gender Diversity Increasing, but Not There Yet 
Conning: All Sectors Should See Premiums Increase in 2022 
Swiss Re’s Holzheu: Global Premiums Expected to Surpass $7 Trillion in 2022 
ACLI’s Davison: Association Focusing on Improving Racial Equity, Economic Empowerment 
LexisNexis’ Hosfield: Extreme Weather Claims Climbed, Theft Losses Tumbled in 2020 
CATcoverage.com’s Poulton: Risk Rating 2.0’s Impact on the National Flood Insurance Program, Private Flood Market 
APCIA: Insurers Should Not Be Liable for Pandemic BI Losses, Now or Ever 
Authors: Addressing Climate Risk Takes Holistic Thinking 
Captain Kinsey: Global Supply Chain Challenges Likely to Worsen 
Deloitte’s Kakar: Life Insurers Should Target Underserved Younger Populations 
Skan’s Misra: Insurers Adapting to a 10-Year Tech Leap Made Over 18 Months 
Beazley: US Executives Feel Better Prepared to Handle Cyberrisk Than Their UK Counterparts 
Guy Carpenter: MGA Market Growth Nearly Doubled Over Past Decade 
Aon Edge: The 'Real Catastrophe' From Hurricane Ida Unfolded Inland 
AM Best: Hurricane Ida Impacts New Orleans More Than Last Year's Storms 
Swiss Re: US Life Insurance Protection Gap at $25 Trillion 
AIR Worldwide: Storms Like Ida Are Changing Cat Models 
Everest Re: Demand Plus Exposure Growth Create Opportunity for Reinsurers, Insurers 
IICF: Charity Group Launching Life Division, Expanding to Individual Membership 
CorVel: AI, Telehealth Improving Workers' Comp Claims Process 
Otterbourg P.C.'s Weinick: Insurance Can Be Both A Solution and A Problem for Cybersecurity 
IBHS: Mitigation Is Centerpiece to Stemming Wildfire Losses 
Travelers: EPL Claims Over Vaccine Mandates on the Rise 
Attorney: Homeowners Excess Liability Can Cover Defamation, Slander Claims 
Swiss Re: Insurers Can Help Reduce World's Carbon Footprint 
NAMIC: New President-CEO Embarks on a Mission 'to Be the Voice of the Mutual Industry’ 
VCIA: Vermont Captive Licenses Increase Roughly 30% In One Year 
Vermont's Provost: Upcoming Captive Bill Promises Insurance Innovation 
Marsh's Charnley: Challenging Market Continues to Drive Captive Formation Activity 
Zesty.ai: Future of Wildfire Risk Mitigation Is Property Specific 
Swiss Re: Climate Change Is Shrinking World's Economy 
Wharton’s Kunreuther: 'We Are Myopic in Our Biases' 
Swiss Re: Insurers Could Lead the Way to Negative Carbon Emissions 
Panel: COVID-19 Dramatically Impacts Auto Insurers 
Tech Start-Up: AI Can Help Reduce Blind Spots, Accidents 
Munich Re Specialty Insurance E&S President: Inclusion Necessary to Reach Diversity's Full Potential 
Wharton Professor: Insurers Have Opportunity to Develop 'Identity Loyalty' 
Health Insurance Start-Up: Price Transparency, Incentives Changing Health Care 
Panel: Education Key to Closing Flood Insurance Gap 
ABIR: $19 Billion in New Capital Entered Bermuda in 2020-2021 
Author: People Don't Realize How Diverse Insurance Industry Is 
Attorney: Ransomware Is Emerging Epidemic 
AM Best Briefing: Cyber Insurance at Inflection Point 
US Assure: Builders Risk Insurers Are Bullish on Housing Market 
IoT Insurance Observatory: Insurers Are Using Connected Devices to Prevent Loss 
Private Mortgage Insurance Turning to Reinsurers, Capital Markets 
AM Best Briefing: D&O Market Faces Difficulties Including Rising Losses 
PCS: Insurance-Linked Securities Can Take on Political Violence Risk 
Program Placement Platform: Some MGAs Are Becoming Insurtechs 
Acacia Insurance Solutions: Blockchain Brings Data Integrity 
Panel: Auto Insurers 'Changed on a Dime' During COVID-19 Pandemic 
Wunderite: Customers Expect 'Google Maps' Experience With Agents 
TransUnion: One Third of Consumers Reduced Insurance During Pandemic 
Gallagher CEO: Brokers Are Consolidating, but Competition Not Diminishing 
CSAA Insurance: Employers Must Be Flexible as Employees Return to Workplace 
McKinsey: AI Will Be 'Ubiquitous' in Insurance Industry 
Swiss Re: Parametric Cover Can Help Close Hurricane Insurance Gap
Author: Regulating How Insurers Use AI May Stifle Competition Prematurely
PainWorth CEO: App Helps Resolve Personal Injury Claims Faster
NEAM: Regulators, Legislators Asking More ESG Questions
Conning: ESG Factors Can Materially Impact Insurers' Investments 
Assurant CEO: The Future Is the Gig Economy
Aon: Ransomware Attacks Up 400% in Two Years 
MIT Offering Insurance Innovation Course in June 
Travelers: EPLI Facing New Risks Including Biometrics, COVID-19  
Bold Penguin: 'We're All Moving to an Amazon-Like Experience' 
Liberty Mutual: Insurance Is a Socially Responsible Product 
Institute: Insurers, Regulators Must Balance ESG Demands 
Author: Insurance Can Lift People Out of Poverty 
AUM Journal Editor: Exchange Traded Funds Are 'Regulatory Conundrum' 
PRI Director: ESG Is 'Good Investing' 
Deloitte: Insurers Must Invest More in Improved Underwriting 
Avanta Ventures: Venture Capital Looking to Increase Insurtech Investments in 2021 
IXN Tech CEO: App Enables Life Insurance Agents to Sell Anywhere 
Guy Carpenter: Community-Based Catastrophe Insurance Can Close Protection Gap 
TransUnion: Economic Recovery Is Uneven 
Insurance Information Institute: Earthquake Retrofitting Saves Lives, Reduces Losses 
CAC Specialty: Every Building Has Environmental Exposure 
AIR Worldwide President: Open Standard Data Would Drive Efficiency, Reduce Costs 
SEO Expert: Insurers of Any Size Can Compete Against the Super Spenders 
Apex Bermuda: Demand for ESG Investments Could Drive ILS Growth 
Insurance Library Director: Facility Offers Services, Education Remotely 
Relay Platform CEO: Application Program Interfacing to Aid Commercial, Reinsurance Lines 
Novarica: Differentiate Between Insurtechs and Long Standing Insurance Software Providers 
Argo: Automation Can Speed Complex Commercial Business Underwriting 
Quincy Mutual CEO: Insurance Is Still a 'People Business' 
APCIA Chief: Congress Lacks Compromise 'Muscle Memory' on Insurance Policy 
Risk Placement Services: Pandemic Creates E&S Opportunities 
Missouri Insurance Department: Earthquake Insurance Take-Up Rate Falling 
NAMIC: Defending Risk-Based Pricing a Top Industry Concern in 2021 
Professor: Insurers Should Address Those Affected by Historical Inequalities 
Attorney: Policy Exclusions Still Fodder for New York Courts 
Psychologist: Pandemic-Related Stress May Impact Insurance Witnesses 
Jensen Hughes: Biomechanical Engineers Bring New Perspectives to Insurers 
Attorney: COVID-19, Quarantine Slowing Subrogation Cases 
Attorneys: Fires Blamed on Lithium-Ion Batteries Can Spark Complex Litigation 
Three Griffins: New App Helps Carriers Track Adjusters' Claims Progress 
Claims Experts: Insurers Moving to Virtual, Ultimately Touchless, Claims 
Independent Adjusters Taking COVID-19 Precautions 
IBHS' Wright: Slow Storms, Fast Wildfires Put Focus on Resistant Home Construction 
AM Best: Social Inflation May Impact Pandemic BI Claims 
#MeToo Movement Claims Spread Into C-Suite 
AM Best: Top Emerging Risks Include Climate Change, Cyber 
Cyberrisks Expand to the Directors and Officers Realm 
AM Best: Australian Fires Could Impact Earnings, Reinsurance Markets 
Panel: Advanced Driving Assistance Systems Will Revolutionize the Auto Insurance Market 
EagleView's Banta: Advanced Risk Perspectives Combine Vision, Technology 
How Data, Machine Learning and AI Are Changing Insurance 
The Future of Insurance Claims Management: Smarter, Faster, Efficient
WTW's Rodriguez: Data Access, Developing Staff Keys to Improving Claims
Wildfire Defense's Torgerson: Fighting Wildfires Now a Year-Round Event
AM Best Analysts: Wildfires Likely to Shake Up California's Homeowner's Market
AM Best Analysts: Hurricane Michael Will Likely Take Bigger Toll on Reinsurers
AM Best's Mistry: GCC Market Experiences Range of Catastrophic Losses
Cyber Insurance Market: Stress Testing the Future
AM Best Analysts: California Wildfires Will Impact Homeowners Insurers, Market
AM Best Analysts: Risks Changing for Legal Professional Liability Insurers
Prospect of Federal Rules for Cyber Puts Pressure on Insurers, States
Soaring Risk: Panelists Explain How They Launched a Hang-Gliding RRG
Starr's Greenberg: The First 100 Years Were Just the Beginning
Risk Panel: Cyber Is Growing Into the Risk That Connects Them All
Podcasts
When Every Second Counts: Managing Catastrophic Claims - Episode #209 
Navigating South Carolina Construction Defect Claims - Episode #208 
Court-Ball in Sports - Liability and Defenses in Claims to Reverse Officials’ Calls - Episode #207 
Here Comes the Boom: An Overview of Crane Related Accidents - Episode #206 
How the Corporate Representative Can Influence Litigation Outcomes - Episode #205 
Current Trends in Liability Claims - Episode #204 
How Smarter Homes Benefit Individuals with Disabilities and Claims - Episode #203 
How Materials Science Impacts Insurance Claims - Episode #202 
What Claims and Telemedicine Professionals Should Know About the COVID-19 Public Health Emergency Transition - Episode #201 
What Insurers Should Know about Investigating Negligent Security Claims - Episode #200 
Repelling Reptile Strategies and Establishing Boundaries in Expert Witness Testimony - Episode #199 
What Insurers Should Know About Potential Claims Based on Hair Discrimination - Episode #198 
The Importance of Early Case Management in the Litigation Process – Episode #197 
How Insurance Claims Professionals Are Responding to Evolving Cyber Threats - Episode #196 
The Challenges of Catastrophic Claims Handling - Episode #195 
Insurance Defense Attorneys Combat Workers’ Compensation Fraud - Episode #194 
What the Emergence of Autonomous Vehicles Means for Insurance Claims - Episode #193 
Effective Interviewing and Interrogation in the Insurance Claims Process - Episode #192
How Changes to Life Care Planning Could Impact Insurance Claims - Episode #191 
Understanding the Impact of Wrongful Expert Designation - Episode #190 
How Smart Home Data is Used in Fire Scene Investigations and Claims - Episode #189 
Building a Foundation: The Crucial Role of Background Investigations for Recorded Statements - Episode #188 
How COVID-19 Is Changing Sports Risk - Episode #187
How Deposition Providers Help Control Claims Expenses - Episode #186 
How Social Inflation is Changing Liability Insurance - Episode #185 
It’s Only Fun Until Someone Gets Hurt: Emerging Risks in Amusements, Sports and Entertainment - Episode #184
How Developments in Structured Settlements Affect Today’s Insurance Claims Environment - Episode #183 
How the Rollout of 5G Could Affect Insurance Claims - Episode #182 
How New Technology is Changing Marine Loss Claims - Episode #181 
The Complexity of Rideshare Claims - Episode #180 
Effective Use of Visualizations in Claims Investigations - Episode #179 
The Surprising Impact of Low-Impact Auto Claims - Episode #178 
How COVID-19 is Changing Business Interruption Claims - Episode #177 
Emerging Litigation Trends in Trucking and Transportation - Episode #176 
How COVID-19-Related Claims Differ in Canada Versus the US - Episode #175
Investigating Commercial Vehicle Claims and Fraud - Episode #174
The Impact of COVID-19 on Claims in Brazil - Episode #173 
Cumis Counsel Selection and its Impact on Claims - Episode #172 
"Reverse Reptile:" How Defense Counsel Are Turning the Tables - Episode #171 
Claims Impact of Michigan No-Fault Law Reformation -  Episode #170
How the COVID-19 Crisis Creates an Environment for Fraudulent Insurance Claims - Episode #169 
How COVID-19 is Changing Insurance Claims Handling and Inspections - Episode #168 
Avoiding COVID-19 Claims When Returning to the Workplace - Episode #167 
How COVID-19 Is Affecting Insurance Claims in Mexico - Episode #166 
Assessing the Impact of COVID-19 on Business Interruption Claims - Episode #165 
Coronavirus Impact on Claims and Litigation - Episode #164
Nuclear Containment: How Insurers and Insureds Can Avoid Excessive Verdicts - Episode #163 
What Insurance Adjusters Should Know About Wildfire-Related Claims - Episode #162 
What Insurers and Defense Counsel Should Know About E-Discovery - Episode #161 
What New York Child Victims Act Means for Insurers - Episode #160 
Navigating Florida Workers' Compensation Claims - Episode #159 
Enterprise Risk Management Strategies - Episode #158 
How Vocational Rehabilitation Impacts Claims - Episode #157
The Insurance Impact of Class Action Settlements - Episode #156 
The Internet is Forever: Social Media's Role in Claims Litigation - Episode #155 
The Approaching Wave of Autonomous Vehicles Drives New Risks to Insurers - Episode #154
Managing The Difficult Claim - Episode #153 
The Growth of Class Action Lawsuits Involving Data Breaches - Episode #152
Water Claims Could Become the New Arson - Episode #151
Home Modification and Impact on Claims - Episode #150
How Expert Insurance Service Providers Provide Trial Testimony - Episode #149
Defending Construction Claims Under the New York Labor Law Statutes - Episode #148
Managing the Expense of Electronically Stored Information (ESI) Discovery Claims - Episode #147
How Expert Witnesses Should Handle Attempts to Ghostwrite Reports and the Impact on Liability Claims - Episode #146
Toxicology: A Small Dose of Science for Attorneys and Insurance Claims Professionals - Episode #145
Vehicle Modification and the Impact on Claims - Episode #144
Emerging Global Cyber Ransom Threats Require a Strategic Response from the C-Suite - Episode #143
The Safe Sport Authorization Act and Protecting Young Victims - Episode #142
How Social Media is Changing Insurance Claims Subrogation - Episode #141
Hurricane Harvey's Impact on Insurance Claims - Episode #140
Attendant Care Impact - Episode #139

Claims-Related News
UK Motor Claims Paid Hit Third-Quarter Record of $3.21 Billion, Says ABI
Lexasure CEO: Strategy Is to Support Growth Via ‘Reinsurance as a Service’
New Zealand’s Tower Swings to Fiscal-Year Loss on Higher Catastrophe Costs
Hartford Financial Announces Key Leadership Appointments for 2024
Axis Capital Launches $75 Million Cyber Cat Bond
WTW Names Former Lockton & Marsh Exec as Energy and Infrastructure Growth Leader, Natural Resources
Best’s Market Segment Report: US Nonstandard Auto Insurers Aim for Improved Underwriting Results
Former Marsh Exec Joins Lloyd’s Coverholder Costero Brokers as Cyber Divisional Director
Cyberattack Disrupts Title Insurer Fidelity National’s Systems
QBE Expects 10% Premium Growth in 2023 as Cat Costs Rise by $250 Million
Aviva Acquires Canadian MGA Optiom for $126.2 Million in Capital-Light Growth Effort
Howden Sets Up European Cyber And Technology E&O Facility in Latest Europe Expansion

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