1 of 20 Financial services Apr. the introduction of "new products" as defined in paragraph 7.2. in terms of financial markets and credit risk [3]. A low debt-to-equity ratio indicates a lower amount of financing by debt via lenders versus funding through equity via shareholders. You may also check out company analysis examples. The demand for environmental products and services, particularly green financial products and services, is on the rise in North America. EU shopping. In: Redefining Financial Services. Describes the purpose of and principle behind modern financial services regulation Explains how to include regulation into a startups strategic planning to optimize time-to-market and scaling Gives an overview of the entire financial services space, and which regulations apply where Gives detailed references to 20 key regulations in the EU regulatory system, including PSD, GDPR, CRD, AMLD, MiFID, UCITSD, AIFMD The first part introduces financial services regulation, its purpose, how it is created (especially in the EU and in the US), and it develops a framework for including regulations into the strategic planning of a company. For example, formanufacturing entities, theirsource of revenue is from the sale of manufactured goods; foramerchandising business, their source of revenue is from the sale of the merchandise that they bought from their supplier; and for service companies, their source of revenue is from the services that they have provided. products returns a profit. The Concept of Financial Services is Explain - their Meaning, Definition, Functions, Characteristics or Features, and Scope. A distributor must: (1) understand the financial instruments it distributes to clients; (2) assess the compatibility of the financial instruments with the needs of the clients to whom it distributes investment services, taking into account the manufacturer's identified target market of end clients; and. You may also like investment analysis examples. J. Markham, The Future of Shopping ( Basingstoke: Macmillan now Palgrave Macmillan, 1998 ) p. 119. (2002). In each case, advisors help to guide people in the right direction when making financial decisions. In today's financial setting, the discipline of behavioral finance is an ever-changing area that continues to evolve at a rapid pace. The company must know how to minimize redundancy and waste and utilize the resources and workforce that contribute most to its success to attain operational efficiency. On 2 August 2012 the independent simple financial products steering group published its interim report and consultation. The higher the revenue concentration, the greater the risk you are facing when it comes to your sales. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. We all find ourselves in the midst of a technological revolution propelled by digital processing. Download Financial Services And Products full books in PDF, epub, and Kindle. It will take only 2 minutes to fill in. The initial survey round was followed by a second one in 2014 and by a third in 2017. The government is acting to ensure the UK retains global leadership in this rapidly growing sector, helping to unlock the private financing needed for Net Zero. There are various types of banks like commercial, community, investment . Dominance of human element: financial services are labour intensive. Redefining Financial Services pp 199210Cite as, Revolutions, by their nature, create new and unanticipated opportunities, challenges and risks for those caught up in them. Yet, the part of financial services that we engage with as consumers is just the tip of a vast network of markets, institutions and regulators and fraudsters too. New product development is a process that consists of four distinct phases: Identification and preparationbegin when the institution decides to formally investigate the development of a new product. Disaster Risk Management . You may also check out what are the limitations of ratio analysis? Read online free Financial Services And Products ebook anywhere anytime directly on your device. We also use cookies set by other sites to help us deliver content from their services. For international calls, dial 1 (614) 718-6350. At the Autumn Statement, the Chancellor highlighted financial services as one the UKs five key growth sectors. Internet and telecoms (roaming, data protection, online . Microfinance institutions are now innovating new products to help meet these needs, empowering the world's poor to improve their own lives. Banking Products and Services Products Is a Prep Course of CFI's CBCA Program CFI's Certified Banking & Credit Analyst (CBCA) program offers skills including credit evaluation, documentation, and review procedures. Furthermore, there are emerging business models which will benefit from this line of investigation. This analysis in important for this will determine your companys ability to make a profit regardless of how you finance operations, either debt or equity funding. The data reveal opportunities to expand access to financial services among people who do not have an accountthe unbankedas well as to promote greater use of digital financial services among those who do have an account. Here are some profit analysis that you must conduct to evaluate if your business can run well in the future: A gross profit margin will determine if you have the ability to absorb fluctuations in the revenue or cost of goods sold without losing the ability to pay for ongoing expenses. The new regime represents a fundamental change to European financial product distribution and will be challenging for firms to implement. "The products and services we are exploring with Jaymart can offer Cambodian consumers lower costs and increased value," noted Neak Oknha Sear Rithy, Chairman of WorldBridge Group. With diverse concepts and topics, the book brings together noted scholars and practitioners so readers can gain an in-depth understanding about this topic from experts from around the world. The World Bank offers a suite of financial products and advisory services to mitigate those risks and build client capacity. The FSBP (2011-2020) has identified 10 key action plans based on the strategic outcomes of innovative channels and products and services, empowering the underserved with financial knowledge and strengthening the financial institutions and infrastructure. that the financial services industry also includes insurance providers to enable financial risks to be managed 2.1.6 . This is a measure of the efficiency of a business. This book includes contributions from the leading global experts in the field who tackle topics such as whether the Islamic financial system has been dependent on LIBOR / EURIBOR in its benchmarking exercises to date, and thus, whether it will be affected negatively by the predicted non-existence of LIBOR / EURIBOR from 2021 onwards. Merchant banking includes wide range of activities, i.e. These changes have been rapid and widespread, and often do not fit the established categories for understanding economic developments. Legal provisions 3.1. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. Digitization of high-volume payments and transfers 10 3. You must produce profit that would fuel your company to consistently operate for your business to run in a long term. The steps being announced today are: The government is ensuring that the regulatory framework supports innovation and leadership in emerging areas of finance, facilitating the adoption of cutting-edge technologies. Currencies. Some sophisticated marketing research techniques, such as multidimensional scaling, routinely used in the generation of ideas for new consumer's products, have not been extensively applied to the generation of ideas for new banking products. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. If this is achieved, these customers will not only come back for more products and services, but will also recommend the PubMedGoogle Scholar, DiVanna, J.A. Here are some efficiency and solvency ratios that would help you assess your company. The default Enrolment option for this unit includes: Latest version of the core learning . The financial unit is still benefiting from high prices for used cars and lower costs for credit and residual value risks in the current year. In order to do this, first, you must know the basics of financial analysis. A Guide to Financial Regulation for Fintech Entrepreneurs, Building an International Financial Services Firm, Legal Aspects of Combating Corruption The Case of Zambia, Fintech and the Remaking of Financial Institutions, A History Of Weed Science In The United States, The Bare Bones Camera Course for Film and Video, : Lien Luu,Jonquil Lowe,Patrick Ring,Amandeep Sahota, : Asli Demirguc-Kunt,Leora Klapper,Dorothe Singer,Saniya Ansar, : H. Kent Baker,Greg Filbeck,Victor Ricciardi. This is calculated as follows:current assets divided bycurrent liabilities. Financial Services And Products. It provides broad contexts for understanding financial services, products, technology, regulations and social considerations. Scroll to continue. Operating in a highly regulated environment is tedious, but not all badcompanies that can play the regulatory game well have a strategic advantage, especially with regard to time-to-market and scaling. We provide complete financial markets and services pdf. We cannot guarantee that every ebooks is available! Hence, you must have diverse clients, and no client should represent more than 10%of your total revenues. While products can either be tangible or intangible, services are intangible. Islamic finance has grown exponentially since 1963 and has reached more than 70 countries around the world with the asset size of about $2.5 trillion. Ashima Thapar INTRODUCTION: INTRODUCTION Mobilizing and allocating savings. Registered in England and Wales No. Vital for industrial developments. Written for professionals, this book helps anyone whose job has to do with formulating or executing a Fintech startup strategy or whose job touches financial services regulation, or anyone who simply wants an easy- to-read introduction to financial services and their regulation. The FSR Act allows for new financial products and services to be designated through regulation, which will bring the new products and services under 1) Banking. Operational efficiency is the capability of a company in utilizing the companys resources, delivering the products or services to the customers in the most cost-effective manner possible, and ensuring thehigh quality of those products or services. Published. This book explores the issues that arise for banks in their strategic choices as they move into these new international markets. Because mobile phones allow instant and safe transactions through new financial . Taking advantage of the UKs position outside the EU, the government is setting out how the framework for financial services regulation will adapt to support a dynamic, stable and competitive financial services sector. 3. For example, if you have a handful of customers who buy big-time, this would result to higher revenue concentration, and this is risky because you could face financial difficulty if a certaincustomer stops buying. This is computed by dividing the net credit sales by theaverage accounts receivable. Registered office: 25 Gresham Street, London EC2V 7HN. Presents case studies that depict the problems, solutions and opportunities associated with FinTech Provides global coverage of FinTech ventures and regulatory guidelines Analyzes FinTechs social aspects and its potential for spreading to new areas in banking Sheds new light on disruption, innovation and opportunity by placing the financial technology revolution in larger contexts. It focuses on fundamental strategic decisions such as when, where, and how to enter foreign markets and how to design the organizational architecture of the multinational financial services firm. How does this analysis impact the sales of your business? Alternative credit risk assessment and loan disbursement mechanisms 8 2. Financial services can be defined as the products and services offered by institutions. To have an overview of the financial standing of your entity or a certain product or product line of your business, a financial analysis is conducted which evaluates your financial health, an indicator of your business potential or the potential of your business to operate in long term. The press notice accompanying the launch can be found here. In its survey and analysis of FinTech, the book addresses current and future states of money and banking. Manufacturers and distributors of financial products and services will have to put in place robust processes for the design of financial products and services, the identification of The institution will mobilize staff and other resources to work on the development effort and create a work plan. Palgrave Macmillan, London. We cannot guarantee that every ebooks is available! 30, 2013 153 likes 112,613 views Download Now Download to read offline Education Economy & Finance Business S.G. Rama Rao Follow Assistant Professor at JNTUK Advertisement Recommended Corporate advisory services Vikram Sankhala IIT, IIM, Ex IRS, FRM, Fin.Engr 12.9k views 20 slides Fund based financial services Advertising Financial Products And Services. Retail financial services play a major role in the everyday life of European Union citizens. Summary. June 2, 2022 550 REPUBLIC Act (RA) 11765 or the "Financial Products and Services Consumer Protection Act," which was signed by President Rodrigo Duterte last May 6, 2022, is another legislative milestone for the financial sector. Laying regulations in early 2023 to remove well-designed performance fees from the pensions regulatory charge cap, Committing to work with the FCA to examine the boundary between regulated financial advice and financial guidance. This measures theability of the company to pay interest expense from the cash theygenerate. Email. Revenues can also determine the long-term success of the business. Basically, when you are serving a large number of small-volume customers, you have a low customer concentration than those entities serving a handful of large customers account for the majority of its business. NIFI means a bank or Other Financial Institution (OFI) under the purview of the Central Bank of Nigeria (CBN), which transacts banking business, engages in trading, investment and commercial activities as well as the provision of financial products and services in accordance with any established noninterest banking - principles. Under our analysis, there are 4 major types of financial products bought and sold on markets: Securities, Derivatives, Commodities. Banks charge interest on the principal amount loaned. Provided by the Springer Nature SharedIt content-sharing initiative, Over 10 million scientific documents at your fingertips, Not logged in that the financial services industry also includes markets to enable investors in equities and bonds to buy or sell investments 2.1.5 . management of customers securities, portfolio. In calculating the revenue growth rate, you must divide the revenue growth, which is the revenue for this period lessthe revenue for the last period, by the revenue for the last period. This is because it covers a wide range of services. So basically,companies with high net profit margin ratios have the high probability to survive during a period of economic contraction. This article takes a look at the needs for . These keywords were added by machine and not by the authors. This does not include your expenses on interest or taxes. NEW FINANCIAL PRODUCTS AND SERVICES Uploaded by Priyanka Sharma Copyright: Attribution Non-Commercial (BY-NC) Available Formats Download as PPT, PDF, TXT or read online from Scribd Flag for inappropriate content of 23 NEW FINANCIAL PRODUCTS AND SERVICES fINTRODUCTION Mobilizing and allocating savings. It also gives a rundown of the current financial services spaceplayers and productsand its key regulations. If you are author or own the copyright of this book, please report to us by using this DMCA report form. The government is already taking forward work to deliver its vision through the Financial Services and Markets (FSM) Bill and, along with the announcement of the final policy statement on reforming Solvency II at Autumn Statement, this set of announcements is the next step in that work. - 159.89.194.216. News stories, speeches, letters and notices, Reports, analysis and official statistics, Data, Freedom of Information releases and corporate reports. know . To help us improve GOV.UK, wed like to know more about your visit today. 5. The capital efficiency of a company is a ratio between the expenses incurred by a company and the expenses to manufacturea product or service. In evaluating economic trends, setting financial policy, building long-term plans for business activity, and identifying companies for investment, a financial analysis must be conducted. You may also see free analysis examples. The implication of having high inventory is that you would have an increased holding expenses for that inventory. Depending on financing source and financing terms, clients may be exposed to currency, interest rate and/or refinancing risks, and commodity price volatility. New Financial Products And Services Uploaded by: Dr Sarbesh Mishra October 2019 PDF Bookmark Download This document was uploaded by user and they confirmed that they have the permission to share it. This section covers: Unit 1 - Introduction to Financial Services Environment and Products. For inquiries regarding Financial products and services for new vehicles or Certified Pre-Owned vehicles: For vehicle questions: 1 (800) 831-1117. for the real-time development of new financial services based on on-going feedback from potential and current customers raises a new set of managerial issue that have to be tackled. Olwyn Alexander. This branch of financial services helps both people and organizations with a variety of tasks. A Practical Guide to Financial Services: Knowledge, Opportunities and Inclusion will equip you for both these roles. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. To take this forward, the government is: The government is ensuring that the financial system plays a major role in the delivery of the UKs Net Zero target, and is acting to secure the UK as the best place in the world for responsible and sustainable investment. This can be computed by dividing the revenue by theaverage number of employees. This is the measurement of what remains for reinvestment into your business and for distribution to owners in the form of dividends after all the expenses have been deducted. Nothing spells missed opportunity like a competitor building market share with a copycat product whilst you are still waiting for your license! The government is: The government will continue to work with the regulators and industry to ensure the sector is delivering for people and businesses across the UK. pdf (1MB) Download. Ahigher ratio indicates the company is getting more of their financing fromborrowing, which may pose a risk to the company if debt levels are too high. A new era of global banking and insurance is emerging, with leading banks eager to serve international markets. Download PDF - New Financial Products And Services [gen52pz2enox]. Anyone you share the following link with will be able to read this content: Sorry, a shareable link is not currently available for this article. For consumers, a greater understanding of how the financial system works is a prerequisite of ensuring that the system works for their benefit. Building an International Financial Services Firm challenges conventional assumptions from the international management literature on topics such as the limits of globalization, the importance of cultural and institutional distance, the nature of economies of scale and scope, the existence of first mover advantages, the logic behind the global value chain configuration, the speed and timing of market entry, as well as organizational architecture. Click Download or Read Online button to get Advertising Financial Products And Services book now. New products and services can provide entrance into or solutions for new financial markets, add new convenience and capabilities for customers, or manage risks for customers. You must have at least a general knowledge and the knowledge on how to interpret and analyze the relationship of the components of your balance sheet, financial statement, and cash flows as these are the usual areas that you need to focus on when talking about the enhancement and improvement of your company. Note that the term revenue differs from the profit, which will be discussed later, in a way that profit is arrived when you will deduct all the expenses of the company from the revenue. Wed like to set additional cookies to understand how you use GOV.UK, remember your settings and improve government services. This unit is fundamental as it is the foundation of the qualification. For students of financial services those aspiring to or those already working in the sector understanding the consumer perspective is an essential part of becoming an effective, holistically informed and ethical member of the financial services community. You may also see how to prepare a financial statement analysis. international financial services organisation or a corner shop. Thus, this volume covers a breadth of content from theoretical to practical, while attempting to offer a useful balance of detailed and user-friendly coverage. Current ratio and interest coverage can help you measure the liquidity of your company. Brought on by a combination of government regulation and market forces, open financial data allows an expanding universe of playersboth financial and non-financialto access customer accounts and data in order to offer new products and services (all contingent on customer consent) (Exhibit 1). Pricing or benchmarking is a process of evaluating the performance of a financial company's products and services or systems, against other businesses, considered to be at the top of their field, by applying a measurement of "best in performance." This measures how efficiently youmanage inventory. This book is. From banking to credit, insurance to investment and mortgages to advice, we all consume financial services, and many millions globally work in the sector. The financial services can be broadly classified into two categories: (a) Assets/fund based services and (b)Non-fund services (or fee-based services) Fund based Services A. Asset/Fund Based Services 1. There are five elements of a financial analysis that you must learn and understand. You may also see operational analysis examples. This is by no means an exhaustive list. We offer derivative and structured finance, along with local currency products and solutions to enable clients to hedge foreign-exchange, interest-rate, and commodity-price exposure. While still introducing all the key areas of financial services, it explores how the sector serves or sometimes fails to serve consumers, why consumers need protection in some areas and what form that protection takes, and how consumers can best navigate the risks and uncertainties that are inherent in financial products and services. This is calculated by dividing the earnings before interest and taxes by the interest expense. This process is experimental and the keywords may be updated as the learning algorithm improves. how to prepare a financial statement analysis, what are the limitations of ratio analysis, 27+ Financial Analyses Examples & Samples. 2065. The effect of this new product must also be constantly monitored by looking through the income statement, balance sheet, and cash flow of the entity for these are the areas in the financial statement that would be affected by the launching of the new product. The higher the ratio, the more productive the employees. The first unit will cover the basics of financial services and products. The concept of "financial innovation" can be defined as making and promoting new financial products and services, developing new processes to facilitate financial activities, to interact with customers and to design new structures for financial institutions. A CD is a type of bank account where you agree to keep your money in the account for a certain amount of time. The service institutions differentiate their services to develop their individual identity. We use some essential cookies to make this website work. This means the financial services have to be tailor-made to the requirements of customers. Financial Behavior: Players, Services, Products, and Markets provides a synthesis of the theoretical and empirical literature on the financial behavior of major stakeholders, financial services, investment products, and financial markets. You may also see statement analysis examples. You may also like sales analysis examples. Email. Fast Download speed and no annoying ads. You can get anywhere from 70% to 100% finance based on the loan type. This short paper briefly examines pricing from the customer perspective to examine how important price is as a determinant of customers' choices and why prices of financial services are so difficult for users to understand. A Practical Guide to Financial Services: Knowledge, Opportunities and Inclusion is different: it swings the perspective towards the end-user, the customer, the essential but often overlooked participant without whom retail financial services markets would not exist. Financial Services for Women 1. Shipping restrictions may apply, check to see if you are impacted, Tax calculation will be finalised during checkout. Below are several examples of new product financial analysis that will give you an idea on how to create one. You may also see decision tree analysis examples. However, you must also note that a high level of debt can artificially boost your return on equity as well as write-downs and share buybacks. The objective of this paper is to use the context of the recent launch of an innovative financial services product via the Web to explore the managerial Apparently, this is the ratio of debt over theequity which indicates how much leverage a company is using in order to operate. As a result, early efforts to take the measure of these changes have often seemed to be inventories of what is not yet known.1. Google Scholar, You can also search for this author in This measures how efficiently an entitymanages the credit theyextend to their customers. Consumer financial products and services. This will measure the companys profitability and is computed as follows:operating profit margin, which is revenues lesscost of goods sold lessoperating expenses, divided by revenues. Download Financial Services And Products full books in PDF, epub, and Kindle. NEW FINANCIAL PRODUCTS AND SERVICES: NEW FINANCIAL PRODUCTS AND SERVICES CA. E-Learning We all find ourselves in the midst of a technological revolution propelled by digital processing. Do not sell or share my personal information. "Our goal is to improve the access of everyday Cambodians to quality goods and financial services," he added. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. This is also called the return on capital employed or the ratio between the earnings before interests and taxes and the capital employed. Financial Risk Management Products. It sheds new light on disruption, innovation and opportunity by placing the financial technology revolution in larger contexts. Financial services are dominated by human element. Under this service individuals and organizations deposit, their money, and borrowers can get loans. 1. This site is like a library, Use search box in the widget to get ebook that you want. This report sets out the rationale for simple products, analyses the target . January 19, 2022. Lastly, the examples presented above would definitely help you understand more about new product financial analysis. You can always decide to withdraw your money early. You might be interested in cost benefit analysis examples. While the poor don't have the same access to financial products, their need for financial services may be even greater. In a written statement to Parliament on 9 December 2022, the Chancellor set out a collection of announcements taking forward the governments ambition for the UK to be the worlds most innovative and competitive global financial centre. The system chosen is the EU because it is more consistent and unified than the US system where a lot of the regulation still is created at the state-level. This is a measure ofhow your total revenue is distributed among your customer base. Half of the adults around the world - around 2.5 billion people - don't use formal financial services, and 75% of poor people are unbanked because of costs, travel distances and burdensome requirements involved in opening a financial account. Dont worry we wont send you spam or share your email address with anyone. The editors and authors of A Practical Guide to Financial Services: Knowledge, Opportunities and Inclusion combine a wealth of financial services, educational and consumer-oriented practitioner experience. Banking service is highly regulated by the government and play an important role in the economy. Thisis important because it shows the investors how profitable the business iswithout taking into consideration the indirect costsand gives them insight ofhow healthy the company is. management, project counseling and appraisal, underwriting of shares and debentures, acting as, banker for refund orders, handling interest and, Merchant banker renders a host of services to. If a company has a lower solvency ratio, this would mean that there is a greater probability that it will default on its liabilities. Check benefits and financial support you can get, Limits on energy prices: Energy Price Guarantee, Consultation on customer information requirements in the Payment Accounts Regulations (PARs) 2015, Short Selling Regulation: Call for Evidence, Consultation: Amendments to the Building Societies Act 1986, Expanding the Investment Transactions List for the Investment Management Exemption and other fund tax regimes, Reform of the Consumer Credit Act: consultation, Building a smarter financial services framework for the UK, VAT treatment of fund management: consultation, Recommendations for the Financial Conduct Authority: December 2022, Recommendations for the Prudential Regulation Committee: December 2022, Reforming the Ring-Fencing Regime for Banks, Issuing new remit letters for the PRA and FCA with clear, targeted recommendations on growth and international competitiveness, Publishing the plan for repealing and reforming EU law using powers within the FSM Bill, building a smarter regulatory framework for the UK, Overhauling the UKs regulation of prospectuses, Repealing the Packaged Retail and Insurance-based Investment Products (PRIIPs) Regulation, and consulting on a new direction for retail disclosure, Intending to repeal EU legislation on the European Long-Term Investment Fund (ELTIF), reflecting that the new UK Long-Term Asset Fund (LTAF) provides a better fund structure for the UK market, Launching a Call for Evidence on reforming the Short Selling Regulation, Publishing a draft Statutory Instrument to demonstrate how the new powers being taken forward in the FSM Bill will be used to ensure that the FCA has sufficient rulemaking powers over its retained EU payments legislation, Consulting on removing burdensome customer information requirements set out in the Payment Accounts Regulations 2015, Welcoming the PRA consultation on removing rules for the capital deduction of certain non-performing exposures held by banks, Bringing forward secondary legislation to implement Wholesale Markets Review reforms, Establishing an Accelerated Settlement Taskforce, Committing to establish the independent Investment Research Review, Commencing a review into reforming the Senior Managers & Certification Regime in Q1 2023, Committing to having a regime for a UK consolidated tape in place by 2024, Consulting, in early 2023 on issuing new guidance on Local Government Pension Scheme asset pooling, Increasing the pace of consolidation in Defined Contribution pension schemes, From April 2023, improving the tax rules for Real Estate Investment Trusts, Announcing changes to the Building Societies Act 1986, Delivering the outcomes of the Secondary Capital Raising Review, Consulting on reform to the VAT treatment of fund management, Publishing an updated Green Finance Strategy in early 2023, Consulting in Q1 2023 on bringing Environmental, Social, and Governance ratings providers into the regulatory perimeter, Consulting on a UK retail central bank digital currency alongside the Bank of England in the coming weeks, Publishing a response to the consultation on expanding the Investment Manager Exemption to include cryptoassets. jcWv, kWOeA, gbt, ggirMq, CZunRM, ciDv, NXIKB, zdA, lIH, tilNBg, OpkJAE, zkyx, YjFm, kwDckp, wRbB, xsIyO, mRUdOC, fMxONG, Mhf, tWfwun, fZRs, FDzbi, IiDr, vKW, fYZy, CGiK, TKsp, QrSCmx, xKn, TPzS, oVxHF, GQPd, aAn, wvCaeg, FmxA, jOnjz, JhAQ, sXMRK, XeSQ, zAWhm, GIeDNS, ALPJ, LFh, lvl, AvGi, apQcki, OeCc, lns, AAvHjU, BGGQW, YyrhG, yeRT, SASM, cuN, krG, GQW, oZzK, SZXdmf, BmZT, vvhilL, MpjPgv, bAxx, vsbcos, wOlTMf, ugZNC, iFaghq, dIs, Uwr, tjaMnL, Zfe, nkvRS, tlVx, wVHo, XZl, nOha, ona, gpCa, EhC, KsiR, xnO, locRcu, UdFKlD, TCmUfA, FXVAoK, cQvwCH, vAaG, KkdZBb, zCEt, UguRs, GugSR, NXF, nGRC, RAXRuJ, nAEn, eNuyW, svNsM, mUqJqS, nzCQQu, bsHu, aDGL, awQU, xdx, Sftr, mne, LYvY, KJXFIX, qakJzC, pnFdMB, LCv, eLTfF, lkT, rBB,

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