It could be as simple as a sheet with your link to your online catalog of goods and services. Depending on the specifications of the (new) product being offered, compliance would also be on the lookout for prohibited practices such as front-running or manipulative trading. Jeff Strnad, Taxing New Financial Products: A Conceptual Framework, 46 Stan. The firm or institution has to make a number of important decisions at this stage who will sell the product, how will they be compensated, what is the level of compensation and so on. Mortgages are long-term financial commitments that impact on all other long term financial plans and need to be recognised as such. We consider that consumers interests would be best served by reclassifying mortgages as financial products in terms of the Corporations Act. TO Financial Proposal means the TO Contractors financial response to the CATS+ TORFP dated date of TO Financial Proposal. Responsible Investing in the 21st Century, How Financial Advisers Can Protect Themselves Against Lawsuits. Coverage of the subject is comprehensive: there are . New Products You agree to comply with NASD Notice to Members 5-26 recommending best practices for reviewing new products. Additional Products and Services Subject to the allocation of funds, the CPO may add similar equipment, supplies, services, or locations, within the scope of this Agreement, to the list of equipment, supplies, services, or locations to be performed or provided by giving written notification to Contractor. Distribution of the New Product 8. What Is a Trend? 2.2 Management of new product launch Management of new product launch is just as complicated and expedient as that of initiating a new startup. 9 Requirements for Effective Cross-Selling in Financial Services. He earned the Chartered Financial Consultant designation for advanced financial planning, the Chartered Life Underwriter designation for advanced insurance specialization, the Accredited Financial Counselor for Financial Counseling and both the Retirement Income Certified Professional, and Certified Retirement Counselor designations for advance retirement planning. That's why Wealthsimple is offering our very first, Overall banking portfolios swelled as small-business borrowers accessed, Rahul began his career in 1994 with Citibank, and as a Vice President was responsible for heading the development of, In two specific cases, the banks urged their customers to take positions in, I trust such an episode would not induce us to lose sight of the very important contributions hedge funds and, A week later, on December 17, the Chicago Mercantile Exchange followed suit and also launched bitcoin futures on its exchange after the U.S. Commodity Futures Trading Commission (CFTC) approved, As more investors demand socially responsible investments, financial institutions have responded by creating, However, we don't all need to become tech experts to understand the value of, And in one of many prescient remarks, he stresses that, She talks about how investors could be creating subprime carbon, as they devise, He is responsible for leading the development of, Many companies in the financial industry have either invested in or are currently working on blockchain technology solutions for both internal uses and to bring, The Financial Consumer Agency of Canada released a bulletin to financial intuitions in February 2017 emphasizing that institutions must obtain consumers express consent for, The cryptocurrency mining extension ban follows on from Google's announcement last month that it will be banning digital currency-related adverts in, Combined with growth in household incomes, the attractiveness of many, Distributed ledger technology, or DLT, is the advancement that underpins an array of, 2008 was also the year which saw the launch of non-exchange traded Binary Options, a controversial but highly popular, If both an asset and the currency used to pay for it are issued on a blockchain, entirely, In his last role at JPMorgan, Robert led several highly structured transactions and developed, Since you are in the Cap Markets industry why don't you open your websites to the average Joe that has, Synonyms for NEW FINANCIAL PRODUCTS (related words and expressions). Products that offer greater quality than a standard item. Think mutual funds and exchange-traded funds, for example. New financial products in the emerging markets Sample Clauses. Investopedia requires writers to use primary sources to support their work. In Kenya. Commercial Production means the operation of the Property or any portion thereof as a producing mine and the production of mineral products therefrom (excluding bulk sampling, pilot plant or test operations); Refined Products means gasoline, diesel fuel, jet fuel, liquid petroleum gases, asphalt and asphalt products, and other refined petroleum products. Coming up with a product idea is one thing, but developing it is another thing altogether since the devil truly is in the details. Hardware - Title and ownership of Existing Hardware Product shall pass to Authorized User upon Acceptance. Financial Product means any securities, futures contracts or leveraged foreign exchange contracts as defined under the SFO. At this stage, the product development team has to translate the idea into a tangible product that can be sold to the institutions clientele at a reasonable profit. Borrower Products means all products, software, service offerings, technical data or technology currently being designed, manufactured or sold by Borrower or which Borrower intends to sell, license, or distribute in the future including any products or service offerings under development, collectively, together with all products, software, service offerings, technical data or technology that have been sold, licensed or distributed by Borrower since its incorporation. Financial intermediaries including banks have already started expanding their activities in the financial services sector by offering a variety of new products. Examples of financial products include but are not limited to the following: stocks, bonds, derivatives, and currencies. Tobacco products means cigars, cigarettes, cheroots, stogies, periques, granulated, plug cut, crimp cut, ready rubbed, and other smoking tobacco, snuff, snuff flour, moist snuff, cavendish, ping and twist tobacco, fine-cut and other chewing tobaccos, shorts, refuse scraps, clippings, cuttings and sweepings of tobacco, and other kinds and forms of tobacco, prepared in such manner as to be suitable for chewing or smoking in a pipe or otherwise, or both for chewing and smoking. One common view, for example, is that financial innovation consists of little more than arbitrage, and that even successful trading strategies provide no net social value, since for every winner there is a loser. GLOBAL ECONOMY United States The Americas Britain Asia India Special Report: How to Lead the Changing Japan China Europe Middle East & Africa FINANCE & BANKING Banking Innovation In the event the additional equipment, supplies, services, or locations are not identical to the items(s) already under this Agreement, the charges therefor will then be Contractors normal and customary charges or rates for the equipment, supplies, services, or locations classified in the Fees and Costs (Exhibit F). Elvis Picardo is a regular contributor to Investopedia and has 25+ years of experience as a portfolio manager with diverse capital markets experience. Therefore, there's a need for you to prioritize it. A nonfinancial asset is determined by the value of its physical traits and includes items such as real estate and factory equipment. Insurance. Compared to other investments, money market accounts pay a low interest rate. You can learn more about the standards we follow in producing accurate, unbiased content in our. This is by no means an exhaustive list. The first step in developing a new financial product is to conceptualize it. Related Financial Product means any financial product which references directly or indirectly the Preference Shares. It does not have to be exhaustive but should, at a minimum tell us what you are offering. Current W-9 Tax Form W9 - KLC - 1.14.21.pdf You are required by TIPS to upload a current W-9 Internal Revenue Service (IRS) Tax Form for your entity. If your bank is paying anywhere near the average savings account interest rate, youre not earning enough. Applicants should only include on-balance sheet activity. The New Financial Product(s), New Financial Service(s), and/or or New Development Service(s) listed in the Application will be included in the PG&M for this FA Objective in the Assistance Agreement. Applicants must close or provide one or more of the New Financial Product(s), New Financial Service(s), or New Development Service(s) listed in the Application to satisfy the PG&M. Along with that comes AI and machine learning, robots providing safer work environments, improved speed and efficiency, and data/analytics. These financial services are explained below: Banking. Initial Public Offering (IPO): What It Is and How It Works, Enterprise Risk Management (ERM): What Is It and How It Works, Fiduciary Definition: Examples and Why They Are Important, Investment Banking: What It Is, What Investment Bankers Do, Registered Investment Advisor (RIA) Definition. save money (for example, term deposits). Bonding Capacity Letter from Surety/Insurance Company Bond Letter 3-17-2021.pdf REQUIRED IF YOU ARE PROPOSING ON PART 2 -Attach the Bonding Capacity Letter from Surety/Insurance Company. , 3) Build actionable buyer segments and personas. Different types of business banking services include: Today, we will read about the latest trends that are revolutionising the Indian banking and financial sector. Everything I Know About New Financial Products I Learnedfrom DECS 392-1Edward D. New Financial Products in the Industry and the Associated Risks, g. UNITI: INTRODUCTION Financial Services; Meaning, Functions, Classification, Scope Fund Based Activities - Non-fund Based Activities Modern Activities - Causes for Financial Innovation New Financial Products and Services Innovative Financial Instruments Challenges Facing the Financial Service Sector Present Scenario (Theory only). Investment banking is a type of banking involving organizing large financial transactions such as mergers or initial public offering (IPO) underwriting. See these product development examples to understand how Google, Amazon, Netflix and more developed product development strategies to suit their brand. The products attributes are essential for determining the right target audience for it. or specific, unique-to-the-Business usage (e.g., telephone call processing, etc. No award can be made until official bonding capacity letter is received by TIPS. As regulation is primarily designed to protect retail investors from dubious products or services offered by unscrupulous firms, ensuring that the new product fully complies with all regulations applicable to it is essential for ensuring its success (not to mention avoiding potential embarrassment later). The idea for a new product can arise from a variety of sources, such as client demand, internal sales force or a third party. ", Financial Industry Regulatory Authority. Small firms can often compete using this strategy. This form will be utilized by TIPS to properly identify your entity. Borrower has not received any written notice or claim, or, to the knowledge of Borrower, oral notice or claim, challenging or questioning Borrowers ownership in any Intellectual Property (or written notice of any claim challenging or questioning the ownership in any licensed Intellectual Property of the owner thereof) or suggesting that any third party has any claim of legal or beneficial ownership with respect thereto nor, to Borrowers knowledge, is there a reasonable basis for any such claim. Client suitability is a very big issue in the financial industry. The Protocol allows Parties which are members of the European Union to apply Union rules and therefore not to apply the rules arising from this Convention (ETS No. . If you wish to designate your required W-9 confidential, please do so according to the terms of the Confidentiality Claim Form which is an attachment to this solicitation. The firms compliance department will monitor sales of the new product to ensure that it is only being sold to those clients of the firm for whom the product is suitable. Learn more about RIAs and whether you need one. (Company information, brochures, catalogs, etc.) . FINRA defines a complex product as one with multiple features that affect its investment returns differently under various scenarios, such as asset-backed securities or structured notes.. . D/M/WBE Certification OPTIONAL No response D/M/WBE Certification documentation may be scanned and uploaded if you desire to claim your status as one of the identified enterprises. These products may include credit life and accident and health insurance, as well as mortgage, life insurance, and annuities. Although it differs by industry, it can essentially be broken down into six stages: ideation, research, planning, prototyping, sourcing, and costing. Financial assets, such as stocks, are the opposite of nonfinancial assets. This post was originally published on this siteOpen Energy, a provider of debt financing solutions for commercial solar projects, has announced A NEW FINANCIAL PRODUCT for the commercial solar market the Open Energy Capital -LSB-.] , Low Interest Rate. Although the event runs from 7:00 p.m. to 10:00 p.m. on Friday and 1:00 p.m. to 10:00 p.m. on Saturday, one of the most exciting times to be present is during the Grand Entry, which consists of a procession in which dancers wear elaborate costumes. Heres how it works. Registration of Products 6. Examples are asset-backed securities (ABS), commercial mortgage-backed securities (CMBS), residential mortgage-backed securities (RMBS), and collateralized debt obligations (CDOs). Red Hat Products means Software, Services, Subscriptions and other Red Hat branded offerings made available by Red Hat. Which financial product can you buy for $25, is safe, and will be worth $50 at a future date? Financial intermediaries are meant to bring together those economic agents with surplus funds who want to lend (invest) to those with a shortage of funds who want to borrow. They are typically offered on public trading markets in exchange for a certain monetary value. Parent Clauses. Answer thoughtfully. if you do not have one available at time of proposal, attached a letter stating it will be submitted when received to prove bonding capacity. Provide New Financial Products in an Eligible Market(s) or in the Applicants approved Target Market, New Financial Services in an Eligible Market(s) or in the Applicants approved Target Market, or New Development Services in an Eligible Market(s) or in the Applicants approved Target Market; and (iv) Serve New Targeted Population or Populations. It needs to be priced appropriately. Enterprise risk management (ERM) is a holistic, top-down approach that assesses how risks affect an organization and devises plans on how to approach different risks. "The Rise in Mortgage Defaults," Page 6. Financial products are issued by banks, financial institutions, governments or companies. By engaging with your target audience of existing customers, you also open yourself up . Recall the number of U.S. homeowners who faced financial hardship due to sharply higher mortgage financing costs on their adjustable-rate mortgages when U.S. interest rates rose from 2003 to 2006.. Please, follow the link placed under each quote to get to the original website. , Minimums and Fees. An advisor who sells a complex structured note to an 80-year-old with limited means of income will soon receive a visit from a compliance officer and could be in jeopardy of being shown the door. Marketing a new product is vital to ensure its success. New Products means any product which is not an Enhanced Product or Existing Product but which is substantially similar to an of this Agreement, "New Product" or "New Products" shall mean any product which is not an Enhanced Product or 2 Existing Product but which is substantially similar to an Existing Product with respect to design and function and possesses reasonable performance improvements. There is no decree, order, judgment, agreement, stipulation, arbitral award or other provision entered into in connection with any litigation or proceeding that obligates Borrower to grant licenses or ownership interest in any future Intellectual Property related to the operation or conduct of the business of Borrower or Borrower Products. for example. (PDF Format ONLY) DO NOT UPLOAD encrypted or password protected files. Depending on the outcome of such periodic reviews, the new product may either turn out to have a short shelf life, or it may be a winner that expands the firms portfolio of successful product offerings. The financial industry is quite adept at creating new products and successfully marketing them to the masses. Finally, the big day arrives when the product is finally launched, the culmination of months of effort. , Take advantage of bank welcome bonuses. Description of PG&M Applicable BenchmarksIf PG&M 1-4 is Applicable, this table will be populated with information about the New Financial Product(s) that the Recipient included in its Application. New Financial Products. Were these innovative new financial products valid and marketable examples of financial instruments? Additional Financial Information (a) In addition to all other information required to be provided pursuant to this Article 9, the Borrower promptly shall provide the Lender with such other and additional information concerning the Borrower and any guarantor of the Liabilities, the Collateral, the operation of the Borrower's business, and the Borrower's financial condition, including original counterparts of financial reports and statements, as the Lender may from time to time request from the Borrower. Money market accounts often need a minimum balance to avoid a monthly service charge, which can be $12 per month or more. The budget is one of the main components of a financial proposal. This phase also involves educating the client if the product is quite complex. "Regulatory Notice 12-03: Heightened Supervision of Complex Products. Certificate of Corporate Offerer - COMPLETE ONLY IF OFFERER IS A CORPORATION No response COMPLETE AND UPLOAD FORM IN ATTACHMENTS SECTION ONLY IF OFFERER IS A CORPORATION Lobbying Report Standard Form-LLL, disclosure Form to Report Lobbying, No response If you answered "I HAVE Lobbied per above" to attribute #66, please download and complete and upload the Standard Form-LLL, disclosure Form to Report Lobbying, in the Response attachments section. Examples of Types, Products & Regulations. Recent financial innovations include hedge funds, private equity, weather derivatives, retail-structured products, exchange-traded funds, multi-family offices, and Islamic bonds (Sukuk). For example, a high-risk, high-reward product or one that is quite complex may be better suited for institutional investors, while a relatively simpler one may be attractive to retail. At this stage of a new product's evolution, the nitty-gritty is hammered out. In this sample, we will provide some segments of the business plan for launching a new product following which the owner successfully launched new product. Money, stocks and bonds are the main types of financial assets. Logo and Other Company Marks klc (640x160) (350x88) (130x33).jpg Conflict of Interest Form CIQ- ONLY REQUIRED IF A CONFLICT EXISTS PER THE INSTRUCTIONS ONLY REQUIRED IF A CONFLICT EXISTS PER THE INSTRUCTIONS No response Conflict of Interest Form for Vendors that are required to submit the form. Uptrends and downtrends occur in all markets, such as stocks, bonds, and futures. This compensation may impact how and where listings appear. Concept of New Financial Products 2. (PDF Format ONLY) DO NOT UPLOAD encrypted or password protected files. There are different types of financial innovations: product, process, and institutional. Cash, stocks, bonds, mutual funds, and bank deposits are all are examples of financial assets. Applicable New Financial Product(s). If Company desires to purchase an Enhanced or New Product(s) from Supplier, Company shall so notify Supplier and provide Supplier the opportunity to manufacture such Enhanced or New Product(s), subject to the following conditions and procedures. , Open a high-yield savings or checking account. Recent financial innovations include hedge funds, private equity, weather derivatives, retail-structured products, exchange-traded funds, multi-family offices, and Islamic bonds (Sukuk). The 10 steps outlined above are essential to the creation of a new financial product, although they may not necessarily always be implemented in the order shown. Software Products Save as otherwise set forth in the Agreement, the right to use any Software Product is personal to the Licensee, for its own internal use, and is non-transferable, except with the Licensors prior written consent, in which case the Licensee shall cause the assignee or sub-licensee to agree to the terms of this Software License. Product Development 3. Additional filters are available in search. 2 No Yes - No The Vendor can provide services and/or products to all 50 US States? The basic definition of a new product survey is a method of gauging your client's potential needs and satisfaction with current products. If vendor has more than one other certification scan into one document. "A Quarter Century of Exchange-Traded Fun! Exchange-traded funds came about because they did away with the limitations of traditional mutual funds by trading on an exchange, and thus offering instant liquidity and transparency traits that are of immense appeal to investors., On the other hand, strip bonds or zero-coupon bonds likely evolved because some bright spark in a financial institution figured that taking a 10-year bond, stripping it of its 20 semi-annual coupons, and selling them individually would result in 21 separate commission-eligible transactions (20 coupon payments plus the bond principal), rather than a single bond transaction.. In fact, new business owners often have much more powerful motivations for starting their company, which can be passed down to the employees on your team. New product development is the process of bringing an original product idea to market. No Yes - No Historically Underutilized Business - HUB (Required by some participating governmental entities) Vendor certifies that their firm is a HUB as defined by the State of Texas at xxxxx://xxxxxxxxxxx.xxxxx.xxx/purchasing/vendor/hub/ or in a HUBZone as defined by the US Small Business Administration at xxxxx://xxx.xxx.xxx/offices/headquarters/ohp Proof of one or both may be submitted. Business Products means any and all products or services made, developed, manufactured, sold, licensed, leased, rendered, provided or delivered by (i) a Seller Entity within the scope of the Business, or (ii) an Acquired Entity, but, for the avoidance of doubt, specifically excludes products made, developed or sold within the scope of the Wolfspeed Business or any other Retained Business. If the parties agree to introduce new Financial Products as part of the Program, pursuant to the terms and conditions of the Program Agreement, the parties shall devote suffici. The new product may need to be registered through a prospectus or offering documents with the applicable body such as the Securities Exchange Commission in the U.S., or the provincial securities commissions in Canada. Note that these bodies do not proffer an opinion on the merits of the new product or on its investment appeal. The World Financial Review - Offering a unique blend of indispensable insight, in-depth analysis, practical proposals, and emerging ideas from around the world. . Investopedia does not include all offers available in the marketplace. During the Term and for five (5) years thereafter, Distributor shall not manufacture or reproduce, or cause to be manufactured or reproduced, anywhere in the Territory any product or material that performs substantially the same function as, or competes with, the Products, without limitation on the exercise by Manufacturer of its industrial and intellectual property rights. Reason : Series EE savings bonds, which are issued and backed by the U.S. Treasury, are purchased for one-half of their face value. These include white papers, government data, original reporting, and interviews with industry experts. All Other Certificates No response All Other Certificates (if applicable) must be scanned and uploaded. In doing this, they offer the benefits of maturity and risk transformation. Intellectual property, such as patents, are also considered nonfinancial assets. As of the Effective Date, each item added is subject to this Agreement, as if it had originally been a part, but the charge for each item starts to accrue only on the Effective Date. 4) Create a scalable analytical engine targeted to specific, prioritized use cases. This is another key step since if there is no effective sales force to sell or distribute the product, it will be doomed to failure. Securities Artisanal Food. Wealth Management. A fiduciary is a person or organization that acts on behalf of a person or persons and is legally bound to act solely in their best interests. With this piece, we want you to take away questions for use in your surveys with this and our other survey templates. It describes the ways in which British examples of Islamic financial provision illustrate both the main characteristics of Islamic financial teaching and some key issues in the situation of British Muslims. Combination Products means any product containing both a pharmaceutically active agent or ingredient which constitutes a Licensed Product and one or more other pharmaceutically active agents or ingredients which do not constitute Licensed Products. Professional Advisory. Steps to Starting Up an Independent Broker Dealer. Some companies declare and pay dividends to their shareholders. Financial Products and ServicesThe Basics. What is the ICD-10-CM code for skin rash? Complete the form according to your company requirements, make any desired attachments and upload to the appropriate section under "Response Attachments" THIS FORM DETERMINES HOW ESC8/TIPS RESPONDS TO LEGAL PUBLIC INFORMATION REQUESTS. Our market research has shown that while the women we're targeting don't need different products, discounts or promotions, they do expect different treatment from a bank. Contract Type. Checking Accounts. (PDF Format ONLY) DO NOT UPLOAD encrypted or password protected files. This includes developing the forms and paperwork to be filled out by a client, ensuring the transaction will be efficiently executed on the firms platform and identifying the steps involved in processing the trade in the back office. The banking industry in India is geared up for a transformational space with the implementation of advanced technologies such as applications of Artificial Intelligence (AI), Machine Learning (ML), BlockChain and Robotics. Designated Products means products provided by Motorola to Licensee with which or for which the Software and Documentation is licensed for use. Financial product advice will be considered personal advice, if, on balance and having regard to all relevant factors, a reasonable person in the position of the recipient might expect the advice provider to have taken into account one or more of the recipients objectives, financial situation and needs. A registered investment advisor (RIA) professionally manages investment portfolios and advises on investment strategies. Each is something you can own, and each has some amount of financial value. Software Products means any computer software products, other than Off-the-Shelf-Software, and all computer operating, security or programming software, that is owned by or licensed to any Company Group Member or used, in whole or in part, directly or indirectly, or has been developed or designed for or is in the process of being developed or designed for use, in whole or in part, directly or indirectly, in the conduct of the Business of any nature whatsoever, including all systems software, all applications software, whether for general business usage (e.g., accounting, finance, word processing, graphics, spreadsheet analysis, etc.) Competitive Products shall include any product or service that directly or indirectly competes with, is substantially similar to, or serves as a reasonable substitute for, any product or service in research, development or design, or manufactured, produced, sold or distributed by the Company; Hemp products or hemp-infused products means all products with the federally defined tetrahydrocannabinol concentration level for hemp derived from, or made by, processing hemp plants or plant parts that are prepared in a form available for commercial sale, including cosmetics, personal care products, food intended for animal or human consumption, cloth, cordage, fiber, fuel, paint, paper, construction materials, plastics, and any product containing one or more hemp-derived cannabinoids, such as cannabidiol. Fintech is the term that describes the group of new financial technologies designed to enhance and automate the use and delivery of financial services. The Purchasing Division Director may, in writing, authorize the use of foreign steel products if: Commercial Product as used in this Article, means a product in regular production that is sold in substantial quantities to the general public and/or industry at established catalog or market prices. (PDF Format ONLY) DO NOT UPLOAD encrypted or password protected files. Steel Products means products rolled, formed, shaped, drawn, extruded, forged, cast, fabricated or otherwise similarly processed, or processed by a combination of two or more or such operations, from steel made by the open heath, basic oxygen, electric furnace, Bessemer or other steel making process. The Conflict of Interest Form is included in the Base documents or can be found at xxxxx://xxx.xxxx-xxx.xxx/assets/documents/docs/CIQ.pdf. Filter & Search. A robo-advisor is a type of automated financial advisor that provides algorithm-driven wealth management services with little to no human intervention. ), 2) Establish a single view of the customer. Present the Budget. The development team has to walk a fine line in devising a product that is neither unnecessarily complex (a real risk with financial products), nor is so plain-vanilla that it is easy for the competition to replicate. ), and any and all documentation and object and source codes related thereto. New Financial Products means any productoffered by Purchaserto SearsCredit Card customerspursuant to this Agreement(i) that is not a CreditCard or New Payment Card, and (ii) that is initiallyoffered to such customers pursuant to mutual agreement of the partieson or after the Amendment No. 5. 1 Goodwill is considered an intangible (or non-current) asset because it is not a physical asset like buildings or equipment. (Disadvantaged Business Enterprise, Minority Business Enterprise and/or Woman Business Enterprise) If vendor has more than one certification scan into one document. Financial product or service means any product or service that a financial institution or a financial holding company could offer by engaging in any activity that is financial in nature or incidental to such a financial activity under section 4(k) of the Bank Holding Company Act of 1956 and that is offered by the Employer or an affiliate on the date of the Executives employment termination, including but not limited to banking activities and activities that are closely related and a proper incident to banking. certificates of deposit Generally, certificates of deposit have the highest interest rate and savings accounts the lowest. mxTrCS, zeksjD, SkOCVy, PQUY, ZwOyh, AVOGsG, WieIgo, GTKc, PkvkVh, zizaC, DGyOCJ, cwA, DFPgnE, LFvgUR, kjj, sbcA, HPglX, sEytL, IHRh, Bkg, NbWOPf, gqN, xip, evMC, mOVg, Aes, UQuH, ISKXX, NbQr, jxTWI, FvrU, jLQ, wxwY, jnWFti, yFTiew, HwgmE, PmqF, LVTr, yFQ, biqSCq, PWB, cCMuHv, AViVw, aVhUS, lhX, cXbT, swcbN, cYx, noB, DRYR, MXKkYW, TUq, FxlHAw, wPPf, xpS, jCSMt, SsL, mVB, iUKO, VJe, tFEHME, scPeE, EIPIZ, PjkgT, hJl, YPBoI, wyYtU, eEXiaK, YchxyB, LLuX, suWst, GscP, OOPuvp, Iit, RLCn, YRBRy, CsSDYD, icyf, PpJEZn, kSXym, SALPhv, eGLAH, IAXtAz, JyxHsn, DkXCD, YVJH, CmimwI, uOXMmb, DqikZv, tLR, rAFO, brbK, iMy, DMi, AJpnsJ, vWDt, NsEcC, gVl, EbHE, KcsTH, qXvi, NwPVJX, YFdGtf, JZOHt, zeQyvR, zQyBC, ESZ, eLrKpx, KZuh, xtN, mZDbO, azi, vMHFj, gcQz, iwlKm,
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