Menteri Koordinator Bidang Perekonomian Airlangga Hartarto mengatakan Pemerintah memberikan atensi terhadap sektor asuransi yang telah menjadi salah satu penyumbang utama Produk domestik bruto (PDB) serta memiliki potensi yang optimal. Namun Airlangga menyebutkan masifnya perkembangan teknologi digital saat ini menjadi tantangan tersendiri bagi sektor asuransi.
Kondisi tersebut mendorong industri asuransi untuk mengembangkan bisnis ke arah digitalisasi proses bisnis.
Secara keseluruhan, meskipun tantangan seperti kesenjangan infrastruktur dan masalah keamanan siber masih ada, industri asuransi di Indonesia siap menghadapi transformasi digital yang signifikan. Transformasi ini diharapkan dapat meningkatkan efisiensi operasional, memperluas jangkauan pasar, meningkatkan kepuasan nasabah di tahun-tahun mendatang, dan juga berpotensi meningkatkan kontribusi industri asuransi terhadap PDB Indonesia.
Kondisi tersebut mendorong industri asuransi untuk mengembangkan bisnis ke arah digitalisasi proses bisnis.
Secara keseluruhan, meskipun tantangan seperti kesenjangan infrastruktur dan masalah keamanan siber masih ada, industri asuransi di Indonesia siap menghadapi transformasi digital yang signifikan. Transformasi ini diharapkan dapat meningkatkan efisiensi operasional, memperluas jangkauan pasar, meningkatkan kepuasan nasabah di tahun-tahun mendatang, dan juga berpotensi meningkatkan kontribusi industri asuransi terhadap PDB Indonesia.
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TVTranscript
00:00The government is pushing the insurance industry to develop its digitalization potential
00:13in line with the massive development of the digital atmosphere today.
00:17However, the Minister of Economy, Erlangga Hartarto,
00:20reminds that the development of digitalization in the insurance industry
00:24will be faced with a number of challenges, including in terms of supporting infrastructure.
00:30The Minister of Economy, Erlangga Hartarto, reminds that
00:38the government pays attention to the insurance sector,
00:41which has become one of the main donors of domestic products.
00:44Therefore, the insurance industry has the potential to maximize its performance
00:49in line with the growth of the national economy.
00:52Erlangga reminds that the massive development of digital technology today
00:56is a challenge for the insurance sector.
00:59The digital economic atmosphere will encourage the insurance industry
01:02to develop in the direction of digitalization in running a business.
01:05However, digital transformation in insurance must be supported by artificial intelligence,
01:09which will enable insurance companies to continue to develop businesses.
01:14Overall, the challenges of infrastructure gap and cyber security
01:19remain important for the insurance industry in Indonesia
01:23to push significant transformation
01:28Hopefully, this transformation will increase the operational efficiency,
01:33expand the market reach, improve customer satisfaction
01:39and also to increase the contribution of the insurance industry.
01:46However, Erlangga reminds that in the development of digitalization insurance,
01:50a number of challenges such as infrastructure gap and cyber security problems will remain,
01:54so the insurance industry in Indonesia must be prepared to face significant digital transformation.
02:00This transformation is expected to increase the operational efficiency,
02:04expand the market reach, and improve customer satisfaction in the coming years.
02:09From Jakarta, Harjo Padmoe, IDX News.
02:16Yes, Mr. Mir, when discussing our topic this time,
02:18maximizing the potential of digitalization in the insurance industry,
02:22we have connected via Zoom with Mr. Budi Herawan,
02:25General Association of General Insurance of Indonesia or AAUI.
02:29Good morning, Mr. Budi.
02:31Good morning, good morning. Assalamualaikum warahmatullahi wabarakatuh.
02:34Waalaikumsalam warahmatullahi wabarakatuh.
02:36Thank you for your time.
02:37And we also have Mrs. Nur Komaria,
02:39researcher from the Institute for Development of Economic and Finance or INDEP.
02:43Good morning, Mrs. Nur.
02:44Good morning. Greetings.
02:46Yes, greetings and greetings too.
02:48Thank you for your time.
02:50This is about the insurance industry.
02:52Mr. Budi, maybe we will first review the performance of the general insurance industry,
02:57especially until the end of the first semester of 2024.
03:02What can you say? Please.
03:05Thank you for the opportunity given
03:08that the performance of general insurance for KIN1
03:13there is indeed growth.
03:15The growth is approximately 42%,
03:18but it is also balanced by the growth of quite high claims,
03:22which is 35.7%.
03:25However, it should also be noted that 42% of general insurance growth
03:30is indeed dominated, one of which is from real estate insurance.
03:36There is also for insurance providers,
03:39a fairly large premium,
03:40which is for vehicle insurance,
03:42which is a bit slow,
03:45also considering the sale of motorized vehicles in the market at this time is also very rapid.
03:51One of the things that also supports is credit insurance.
03:56The growth is quite significant,
04:00but the claims also grow significantly,
04:03but there must be a balance.
04:05Maybe that's what I can say at the beginning.
04:07Okay, that's it for real estate domination,
04:09and credit supporting the growth of the general insurance industry in the first quarter of 2024.
04:14What other factors do you think will support the growth of Kinerja in general?
04:21If the factors, I think the current economic conditions
04:26are always considered good or bad,
04:29this is also one of the factors.
04:31Another factor is the issue of re-insurance capacity,
04:35which is also a problem in the country.
04:37Because the re-insurance market is still hardening,
04:40so in the corporate sector,
04:42it is difficult to place the re-insurance.
04:45That is one of the factors.
04:47Okay, related to digitization,
04:49as it is being discussed by the government,
04:51maybe we go to Mrs. Nur Komaria first.
04:53What do you see in depth,
04:55related to digital disruption
04:57as it happens in the Indonesian economy,
05:00especially in the financial services sector?
05:02Please.
05:04Yes, thank you.
05:06So, for the digital insurance sector,
05:10or those who combine digital technology with insurance,
05:14it is quite interesting,
05:16especially after the speed of digital transformation after COVID.
05:20People are more aware of health,
05:23the importance of insurance,
05:26and also how easy it is offered by this digital insurance,
05:31both from the online process,
05:33without having to look far.
05:35And usually we have to have a signature on each sheet,
05:39as a process that usually has to be done,
05:42with this hard file, it can be done online.
05:45Also, the advantages that are offered,
05:48such as with technology integration,
05:50it is enough with the platform and very easy.
05:53So far, the development of digital insurance,
05:57both globally and in Indonesia,
06:01can increase.
06:02Okay, on the one hand, we know
06:04that the government emphasizes financial services,
06:07especially the insurance industry,
06:09maximizes digital potential.
06:11What is your opinion on this?
06:13Is it already on the track,
06:15or is there still something to be optimized?
06:19Yes, like Hamya,
06:21with the challenges of the digital economy,
06:26where digital insurance is also one of them,
06:30it is a business related to trust.
06:34However, some solutions are still needed,
06:38especially with other digital problems,
06:41such as infrastructure or digital divide,
06:44which between Java Island and non-Java,
06:46it is still balanced.
06:49Then from the point of view of humans,
06:53human resources,
06:54so the availability of SDM for digital,
06:58there are still gaps, both in Java and non-Java.
07:02For other challenges,
07:04in terms of infrastructure,
07:05maybe in the field of signal strength,
07:10if based on BPS data,
07:13both in Java and non-Java,
07:15Java has about 60% penetration,
07:18while in non-Java it is still around 30%,
07:21even in Papua it is around 12%.
07:24With this, digital insurance will continue to develop,
07:29but with such challenges.
07:32Okay, that's it from Kacamata, or In-Depth Review.
07:36From the business itself,
07:38how do you see it, Mr. Budi,
07:39when the government, the insurance industry,
07:42maximizes the potential of digitalization,
07:44in other words, like other industries that go digital.
07:47Please, Mr. Budi.
07:49As for me, I see, of course, it welcomes well,
07:53what was said by Mr. Menko, Mr. Hartato.
07:58However, there are some that we have to take care of,
08:02and not to be neglected again.
08:04If we look at the banking sector,
08:06people used to open an account,
08:08they have to come.
08:09We are also in the process of digitalization,
08:13from our income,
08:14maybe only 10% of it goes to digital.
08:19Indeed, this is a challenge for us
08:22in the general insurance industry,
08:24because it is a matter of our own business,
08:27there are corporations,
08:29there are medium,
08:30there are small, medium enterprises,
08:32there are micro.
08:33This is also a process.
08:35We, from the association,
08:37of course, encourage our members,
08:40but not only encourage,
08:42we are also now thinking about
08:44how we can bridge,
08:46create a platform that can later become a mass product,
08:50if in the end the cost will be cheaper.
08:52That's one.
08:54The second, of course,
08:55which was also mentioned earlier,
08:57is the concern and fear in us,
08:59which is about cybersecurity.
09:01In the banking sector,
09:03which is already one step ahead,
09:06it will collapse too.
09:07Okay.
09:08However, right now,
09:10we are also thinking to the right,
09:12in the long run,
09:13if later,
09:15mostly 60% of our members
09:17use digitalization,
09:19how about cybersecurity?
09:21This is what we are currently trying to do research
09:24with neighboring countries,
09:26such as China,
09:27Taiwan,
09:28Japan,
09:29and Korea.
09:30We have to learn this.
09:32We are left behind.
09:33I have to admit.
09:34The general insurance industry,
09:36especially now,
09:37is also left behind in ASEAN.
09:39Maybe number two from below.
09:41But this is a challenge for all of us.
09:43Because OJK,
09:44as our women,
09:45as our regulators,
09:46also challenges us.
09:48Because we know our literacy is still small,
09:50less than 3%.
09:51Our inclusion is still less than 4%.
09:54So, there is still a lot of room,
09:56as you said,
09:57everything is centered in Java Island.
10:01How about outside Java Island?
10:03Okay.
10:04But our society,
10:06mostly now,
10:07I think,
10:0870% already use gadgets.
10:11Yes.
10:12They already use gadgets.
10:13So, it's inevitable.
10:14Okay.
10:15But this is another process,
10:16another learning.
10:17Right.
10:18So, I believe,
10:19in the next 4-5 years,
10:20in the future,
10:21of course,
10:22with the push from the regulators in OJK,
10:25and the government,
10:26this will also be a shift.
10:29Mr. Budi,
10:30interesting.
10:31If we observe,
10:32only 10% go digital.
10:33In other words,
10:34how can we catch up with the left behind?
10:37Meanwhile,
10:38we know that now is the digital era.
10:40Then,
10:41without aside,
10:42if you are worried,
10:43from friends of the general insurance industry,
10:45is related to cyber security.
10:47Well,
10:48what are the efforts,
10:50according to the direction from the government,
10:53to go digital for our insurance industry?
10:57Yes.
10:58As I said,
10:59we from the association,
11:00now,
11:01we are trying to build a platform.
11:05A platform that is trained as a mesh product,
11:08so that the price can be affordable
11:11by friends in the general insurance industry.
11:13That's one.
11:14The second,
11:15we are also now trying to learn from the government,
11:18how they face this cyber security.
11:22What is the firewall like?
11:23How many layers?
11:26We also learned yesterday from Perbangan,
11:28as I said earlier,
11:29they are just a thumb.
11:30How about us?
11:32Who are still at the stage of wanting to enter.
11:35Interesting.
11:36Mr. Nur,
11:37how do you evaluate this?
11:39Okay, on the one hand,
11:40digital is indeed an innovation.
11:43But on the other hand,
11:44there is a concern,
11:45because it involves the industry,
11:48then related to the consumer,
11:49the general public,
11:50as we use the services from the insurance industry.
11:53What can we see,
11:54with the concern of the friends of the general insurance industry,
11:57related to cyber security?
12:00Yes, for cyber security,
12:02it actually also applies to other digital economy activities,
12:06such as peer-to-peer,
12:08and so on.
12:09It also requires,
12:10again,
12:11digital literacy.
12:14So, it's not just OJK that plays a role in digital literacy,
12:17but also if there is a partnership.
12:20Sometimes,
12:21if we talk about insurance,
12:24it seems like a luxury item,
12:26even though this is also our burden.
12:30For example,
12:31in the productive period,
12:32or later in retirement,
12:33how do we manage our finances?
12:36Well,
12:37I think with cyber security,
12:38in addition to literacy,
12:39we can work with universities or educational institutions.
12:43Okay.
12:44In my opinion,
12:45it's one of the steps.
12:46And this also works with associations,
12:49such as Mr. Budi.
12:52This is also very encouraged,
12:54cooperation between government associations and financial institutions.
12:59So,
13:00at least it can be handled.
13:04From the regulatory side,
13:07actually,
13:08in 2022,
13:09the government already has a regulation on personal data.
13:16But,
13:17once again,
13:18the challenge for personal data,
13:20as well as bank data,
13:21even national data this month,
13:24is still a big task
13:27for the development of the digital economy in Indonesia.
13:30Okay.
13:31Is it really a challenge for cyber security?
13:34Finally, it becomes one of the obstacles
13:37when we enter the digital era.
13:39We will discuss it later in the next segment.
13:41Mr. Budi,
13:42we will take a break.
13:43And Mr. Mirsa,
13:44make sure you are still with us.
14:01You are still watching Market Review.
14:03In the next segment,
14:04we will share data for you again,
14:06related to the percentage of insurance funds for Indonesia's GDP.
14:10Yes, as you can see on the television screen,
14:12data from 2019 to 2023,
14:153.03%,
14:173.23%,
14:18the highest in 2020.
14:20Then,
14:21up to 2023,
14:222.6%,
14:24the number of insurance funds for Indonesia's GDP.
14:27Then, five general insurance sectors
14:29with the largest premium in 2023,
14:3226.48 trillion in the first position,
14:3622.33 trillion in the second position,
14:3919.49 trillion in the third position,
14:42health and technology.
14:45Okay.
14:46We will continue our discussion with Mr. Budi Herawan,
14:48Chairperson of AAUI,
14:49then Ms. Nur Komaria,
14:51Researcher of Digital Economic and Small and Medium Enterprises from Indef.
14:57Okay, Mr. Budi.
14:58This is interesting from the data that has been presented.
15:01Five general insurance sectors with the largest premium in terms of property, credit, and vehicle.
15:05If we relate it to some sectors,
15:08consumers or users of general insurance,
15:11which is actually quite large in Indonesia,
15:14then how big is the concern
15:17with the use of digital technology,
15:19related to data security,
15:21which AAUI complained about earlier,
15:23or maybe worried about.
15:25Please.
15:27Yes, it must be like this.
15:28If we anticipate everything,
15:32but our friends from AAUI are even more scary,
15:36because they cover what is called saving or endowment.
15:40So, this is also in our PR together.
15:44I also collaborate with friends in AAUI,
15:47how do we try to summarize
15:50so that this client who uses the digital process feels safe.
15:55The data is safe.
15:57If there is a claim, the process is also safe.
15:59Isn't that right?
16:00Yes.
16:01I also said earlier,
16:02Mr. Nurul mentioned other national data,
16:04we haven't solved 100% yet.
16:07How do we,
16:08part of the insurance ecosystem,
16:10part of the Indonesian economic ecosystem,
16:13will also be imbibed
16:15as a result of this cyber security.
16:18Okay.
16:19So, if the use of the digital platform earlier,
16:23will it still continue to be developed,
16:25or until you feel confident
16:27that when we enter the digital era,
16:29with the rest,
16:30it means there are 90% more
16:32who are directed to enter the digital era, Mr. Budi.
16:37If I am not mistaken,
16:39I have said earlier,
16:40but it is also parallel,
16:42how we do this cyber security
16:44can also run along with this digitalization.
16:48And we do not cover the possibility
16:50of collaborating with countries
16:51that have already done whatstapp ahead.
16:53But, we have to admit,
16:55Taiwan is a strong country in IT.
16:58The chips come from Taiwan.
17:00China is the same.
17:02We are not ashamed.
17:03I ask them to help us
17:06as a potential country
17:09in the process of digitalization.
17:12How do you do the cyber security?
17:15They also shake their hands,
17:17even though,
17:19they also want to do business,
17:21to take this opportunity.
17:22But, if I see,
17:24friends in Indonesia,
17:26IT experts are also good
17:28to do cyber security.
17:30But, how far is the proof?
17:32The proof.
17:34The hackers also come from Indonesia.
17:37But, how is the proof?
17:39This is what we need,
17:40a common commitment.
17:42Of course, from the government.
17:44If OJK, I think they are encouraging.
17:47But, if it happens,
17:49don't blame each other.
17:50Blame the people.
17:53So, what's next?
17:54From the public insurance,
17:56regarding the digitalization,
17:58will it be parallel
18:00when we prepare the mitigation?
18:03But, how do we also
18:05provide education,
18:06literacy to the people,
18:08and also the business people
18:10in the public insurance industry?
18:12As I said,
18:14in the next two years,
18:16we are in the transformation process.
18:18So, we also challenge,
18:20at least there is a breakthrough.
18:22From the previous 10%,
18:24maybe it can increase to 25%.
18:26But, parallel also,
18:27we think about the cyber security.
18:29But, in terms of one mass product,
18:31we can sell one platform,
18:33which is cheaper.
18:34This is for sure,
18:35friends in Indonesia will also
18:37get in there.
18:39But, earlier,
18:40I hope,
18:41also from the association,
18:42with friends in management,
18:44how fast we can
18:46do this cyber security,
18:48so that friends feel confident
18:50when the platform is created.
18:52Okay. Interesting.
18:54If it's already go digital,
18:56Mrs. Nur Komaria,
18:58maybe you can explain,
19:00will it be correlated
19:02with the use of the people
19:04to insure their health,
19:06especially in our millennial generation,
19:08Gen Y, Gen Z,
19:10assuming that this generation
19:12is very close to
19:14digital technology.
19:18Yes.
19:19So, if you look at it,
19:21the opportunity from go digital,
19:23especially for the industry opportunity,
19:25for example,
19:27in Indonesia,
19:29the population is large,
19:30and the domination for the middle class,
19:32in the projection,
19:34there will also be
19:36a demographic bonus in the future.
19:38This should give a very big opportunity,
19:40both for insurance and for the economy.
19:42Yes.
19:51Yes, hello?
19:53Mrs. Nur?
19:54Yes.
19:56Okay.
19:57It seems that we are experiencing
19:59a signal interference,
20:00communication with Zoom,
20:01with Mrs. Nur.
20:02Maybe,
20:03you can add a little, Mr. Budi,
20:05with some data that has been delivered,
20:07then the assumption that has been given,
20:09that indeed,
20:10actually the use of digitalization,
20:12on the one hand, there is a positive,
20:14and then there is a concern,
20:16as you said, the negative.
20:17But how do you see the future projections
20:19with the go digital insurance?
20:23As I said earlier,
20:25I think if it's for
20:27small, medium, and enterprise insurance,
20:29which is included in the category of risk awareness,
20:32we still run it all.
20:34So,
20:36how will the process
20:38when there is a claim,
20:40the acceleration,
20:41we are no longer avoided
20:43now the claim process,
20:45it can use AI technology, right?
20:47Okay.
20:48We are already heading there,
20:50we have communicated with countries
20:52that have indeed used
20:54AI technology in the claim process.
20:57But one thing to remember is that
21:00Indonesians are smart.
21:02We also have to be careful.
21:04Smart in the sense of quotation marks.
21:06Okay.
21:08Okay.
21:09So, if, for example,
21:10from the infrastructure side,
21:12the preparation of SDM and others,
21:14are you ready to support digitalization
21:16in the public insurance industry?
21:18As for the infrastructure, I think,
21:20whether or not,
21:21as I said earlier,
21:23if this becomes a mass product,
21:26of course the price
21:28can be chosen by investors in the industry.
21:30But indeed,
21:32if this process takes place,
21:34what is the end result?
21:35It can be a PHK, right?
21:36Because the process
21:37that is usually done by SDM,
21:39this human being,
21:40turns to digitalization.
21:42This is another challenge.
21:43Okay.
21:44I also say again,
21:45this is interesting, interesting.
21:46I also say to my friends in the industry,
21:48be careful.
21:49Once you enter the process,
21:51so the assessment process
21:53done by SDM agencies
21:55will be far less.
21:57Because it is used by this IT technology.
22:01There are two big lines
22:03that I can probably convey.
22:04It means related to cyber security
22:06and earlier,
22:07the potential of the use of SDM,
22:10the number of SDM.
22:12That's right.
22:13I don't want to risk it,
22:14but this is not avoided.
22:17We know that countries in China,
22:20they use technology,
22:22technology,
22:24maybe the human body is only 10,
22:26the output can be millions, billions.
22:28It's the same in the infrastructure.
22:31Okay, okay, okay.
22:32Okay, this is interesting.
22:34So, how?
22:35If digital is something
22:37that must be faced by all industries in Indonesia,
22:40how about public insurance?
22:42By using,
22:43as you mentioned,
22:44there is our demographic bonus,
22:46generation Z,
22:48then Y,
22:49which is all related to the digital world,
22:52gadgets and others.
22:54Can it be used?
22:55The potential is even wider.
22:58If it's useful, I think it's clear.
23:00So,
23:01our concerns in managing this,
23:04there must be a balance point.
23:06One.
23:07Second, we also have a roadmap from the regulator.
23:10OJK roadmap.
23:11It must run.
23:12There is also the first phase,
23:14which is SDM empowerment.
23:16This is another challenge.
23:19It's interesting.
23:20But for us,
23:21in the association,
23:22of course we think
23:23it must be one step ahead,
23:25how all these ecosystems run.
23:29Okay.
23:30So, you're still confident that
23:32public insurance can go digital?
23:35I'm sure.
23:36At one point,
23:37in one year,
23:39it will happen.
23:40Okay.
23:41It can be 5 years,
23:42it can be 3 years.
23:43Maybe,
23:44the conservatorship is 5 years in the future.
23:46So, we need more time
23:48to adapt, adjust,
23:50how the system works
23:52with this digital era.
23:54Right.
23:55Okay, Mr. Budi.
23:56Let's go to Mrs. Nur again.
23:58Hello.
23:59Hello, Mrs. Nur.
24:00Can you hear me?
24:01Yes.
24:02So, what is your conclusion
24:04about the SDM industry?
24:06The challenge is quite fundamental,
24:08if we look at the concerns of the AAU itself,
24:11cyber security,
24:12then how to use
24:14the number of SDM existing,
24:16or later,
24:17after digitalization,
24:19in the public insurance industry.
24:21Indef, please.
24:22Yes.
24:23So, in my opinion,
24:24from those challenges,
24:26what needs to be overcome for the first time
24:28is from the perspective of data security,
24:31and also from the cyber security earlier,
24:33both from the infrastructure side,
24:36be it from signal speed,
24:39then signal speed
24:41that is different between Java and Java Island,
24:44how to manage
24:46the existing opportunities,
24:48for example,
24:49increase the range,
24:50not only in the city,
24:51but also to the villages.
24:53As we know,
24:54InsurTech is also one of
24:57the platforms that also
24:59supports conventional insurance,
25:02right, Mr. Budi?
25:03Yes, that's right.
25:04So, it's not a competition,
25:08but this is already a collaborative era,
25:10so in the future,
25:11hopefully,
25:12InsurTech insurance
25:13can complete
25:15the digital finance in Indonesia.
25:17Okay, that's it.
25:18So, indeed,
25:19we see what the journey is like,
25:20the dynamics are also on the ground
25:22in the public insurance industry,
25:23when it comes to digital,
25:24even though some of the challenges
25:26must be immediately mitigated,
25:27the solution must be found together
25:30with the government
25:31and stakeholders in the public insurance industry.
25:33Okay, Mr. Budi Herawan,
25:34thank you very much
25:35for the time and sharing
25:36that you have given to the audience today.
25:38Then also,
25:39Ms. Nur Kumariah,
25:40thank you for the insights
25:42that you have given to the audience today.
25:45Good luck with your activities again.
25:47Good health, Mr. Budi,
25:48Ms. Nur, thank you.
25:49Thank you.
25:51Thank you.
25:52Okay, viewers,
25:53one hour has passed,
25:54I accompanied you in the market review,
25:55keep sharing your information
25:57only on IDX channel,
25:58Geo Trustworthy and Comprehensive Investment Reference.
26:01Don't forget to watch the First Session Closing program,
26:04which will air at 11.30 p.m.
26:06WEST INDONESIA time.
26:07Because of business,
26:08the future must be ahead,
26:09I am Investor Sahar.
26:11Yes, I,
26:12Mr. Theo Wibowo,
26:13as well as the workers
26:14who are on duty,
26:15say goodbye.
26:16Thank you and see you again.
26:22WEST INDONESIA time.
26:23Because of business,
26:24the future must be ahead,
26:25I am Investor Sahar.
26:26Yes, I,
26:27Mr. Theo Wibowo,
26:28as well as the workers
26:29who are on duty,
26:30say goodbye.
26:31Thank you and see you again.
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