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  • Robert ZANESCU

    Ce faci cand ai nevoie de informatie financiar-bancara?

    Robert ZANESCU 11:47 on June 15, 2010 | 0 Permalink | Reply
    Tags: banca, , dobanda,

    Rating 3.00 out of 5

    Imi este greu sa disociez nevoile financiare personale si perceptia profesionala pe care o am despre industria financiar-bancara. Se intampla asa pentru ca acest domeniu este unul incarcat de emotii. Muncesc mult pentru banii mei si vreau sa le dau respectul cuvenit. Iubesc ceea ce fac si vreau sa am pentru asta cele mai bune surse de informatie. Iar una dintre aceste surse este http://www.conso.ro. Indiferent ce haina port (cea personala sau cea de afaceri), eu merg pe http://www.conso.ro pentru orice fel de date si informatii de interes personal si profesional in domeniul financiar-bancar.

    Mentionez de la inceput ca scriu acest blog post pentru a elogia (suna pompos si artificial, insa nu e asa) pe cei de la http://www.conso.ro. Fac asta din motive personale si profesionale.

    Motivul personal este legat de “branding personal”. Redactorul sef al Conso, Alin Iacob, este un exemplu de brand personal pentru mine. Ce imi place la Alin Iacob este aderenta si consecventa sa fata de niste valori clare: verticalitate, precizie, consistenta. Alin nu e un interlocutor comod. Ca orice jurnalist cu experienta, cauta si simte zonele pozitive si negative ale unui “consumer/client proposition” materializat la nivel de produs/serviciu in “features” si “benefits”. Alin spune ce crede si crede ce spune.

    Motivul profesional este dat de informatia pe care o gasesc pe http://www.conso.ro. Conso a inceput in 2006 – primul portal de comparatii financiare din Romania. Au urmat cateva premiere excelente: lansare DAE, sau cotatii valutare interbancare in timp real. Imi place ca mesajele de pe http://www.conso.ro nu sunt unidirectionale si pentru asta exista “Sfatul Expertului” si “Vocea Clientului”, platforme de interactiune intre clienti si institutiile financiar-bancare.

    Eu merg pe http://www.conso.ro pentru ca:

    1. am comparatii de produse si servicii financiare.
    2. am informatii de interes general – cursuri de schimb valutar ale bancilor, ghiduri, calculatoare, dobanzi medii, indici bursieri.
    3. gasesc o componenta media – zilnic, stiri produse de echipa lor, sau articole sau sfaturi ale expertilor.

    Multumesc Conso, si mult succes in continuare!

     
  • Robert ZANESCU

    Vanzarea personala pe baza de nevoi si abordarea consultativa

    Robert ZANESCU 22:55 on June 9, 2010 | 0 Permalink | Reply
    Tags: , , , , ,

    Rating 3.00 out of 5

    Pe link-ul urmator, un extras din cartea “Exponential Selling” Sandy Vaci. Capitolul se numeste “Needs-based personal selling and the consultative approach”. Click pe Chapter 3 – Sandy Vaci, Exponential sales.

    Pentru detalii privind autorul, Sandy Vaci, urmariti interviurile realizate cu el in blog post-urile din 1 Iunie si 2 Iunie. Iar pentru cititorii acestui blog care vor sa participe la workshopurile lui Sandy in 16 Iunie si 29 Iunie, Business Review ofera un discount de 40 de EURO la valoarea listata pe site-ul lor. Click pe linkul urmator, in pagina Register, si introduceti in campul “Discount code” textul Robert Zanescu. Asfel, oricare a fost optiunea marcata in campurile de inregistrare:

    “I want to attend Beat the Recession, Beat the competion – Global Best Practices in Sales Management for 190 EUR + VAT”,
    “I want to attend The Latest in Channel Innovation for 190 EUR + VAT”,
    “I want to attend both events for 330 EUR +VAT,

    costul participarii va fi mai mic cu 40 de EURO (sistemul va calcula pretul final tinand cont de aceasta oferta speciala pentru cititorii http://www.zanescu.ro/blog).

    Profita chiar acum de discount-ul de 40 de EURO. Numai pentru cititorii http://www.zanescu.ro/blog!

     
  • Robert ZANESCU

    Robert ZANESCU 14:04 on June 9, 2010 | 0 Permalink | Reply

    Rating 3.00 out of 5

    In pregatire, un nou post pe http://www.zanescu.ro/blog. Check it out later, today.

     
  • Robert ZANESCU

    Business Magazin: Ieftin - marile costuri ale pretului mic

    Robert ZANESCU 14:24 on June 7, 2010 | 0 Permalink | Reply
    Tags: , , , , , ,

    Rating 3.00 out of 5

    Cover Story in numarul de azi, 7 Iunie 2010, al Business Magazin: "Ieftin - marile costuri ale pretului mic"

    “Din ruinele consumismului de pana mai ieri si cumpatarea de astazi, se naste noua clasa de mijloc a lumii”. O ipoteza ce are sanse mari sa devina concluzie,  in numarul de azi al Business Magazin (cover story-ul “Ieftin – marile costuri ale pretului mic”).

    Mi-a atras atentia declaratia in context a lui Albert Davidoglu, Customer Development Director al Unilever: ofertele de produse cu preturi reduse la care recurg comerciantii din ce in ce mai des este o miscare gresita, care va duce la distrugerea pietelor, a caror valoare deja scade masiv.

    Blog post-ul meu din 27 Aprilie, “Nimeni nu castiga de pe urma promotiilor speciale” subliniaza acest aspect:

    “Problema este ca in prezent consumatorul oscileaza intre branduri in functie de promotia pe care acestea o au la raft. Pe termen scurt castiga retelele de magazine, insa o data ce producatorii/distribuitorii constata ca vanzarile lor revin invariabil al acelasi nivel avut inaintea promotiei, apetitul lor pentru activitati ce cresc cota de piata pe termen scurt si care erodeaza nu numai profitul dar si brand equity-ul va scadea semnificativ. Oricata presiune ar avea acestia de la HQ pentru cota de piata, pana la urma profitabilitatea isi va lua partea. [...] atentie la planificarea pe termen scurt. Exista afaceri si dupa criza, iar razboiul este castigat nu de catre cel care castiga fiecare batalie, ci de catre cel care castiga bataliile decisive.”

    Cheia este in opinia mea in regandirea intregului Supply Chain, coroborat cu redimensionarea organizationala in jurul unei culturi orientata catre oameni, nu catre sarcini.

     
  • Robert ZANESCU

    40 € discount

    Robert ZANESCU 00:41 on June 7, 2010 | 0 Permalink | Reply
    Tags: , , , , , ,

    Rating 3.00 out of 5

    Business Review – the leader on the local English language business publications market

    Pentru cei care vor sa participe la workshopurile prezentate in blog post-urile din 1 Iunie si 2 Iunie pe http://www.zanescu.ro/blog, Business Review ofera un discount de 40 de EURO la valoarea listata pe site-ul lor. Click pe linkul urmator, in pagina Register, si introduceti in campul “Discount code” textul Robert Zanescu. Asfel, oricare a fost optiunea marcata in campurile de inregistrare:

    “I want to attend Beat the Recession, Beat the competion – Global Best Practices in Sales Management for 190 EUR + VAT”,

    “I want to attend The Latest in Channel Innovation for 190 EUR + VAT”,

    “I want to attend both events for 330 EUR +VAT,

    costul participarii va fi mai mic cu 40 de EURO (sistemul va calcula pretul final tinand cont de aceasta oferta speciala pentru cititorii http://www.zanescu.ro/blog).

    Profita chiar acum de discount-ul de 40 de EURO. Numai pentru cititorii http://www.zanescu.ro/blog!

     
  • Robert ZANESCU

    Beneficiarul principal al crizei din Romania: consumatorul

    Robert ZANESCU 13:01 on June 6, 2010 | 0 Permalink | Reply
    Tags: , , crestere, , sustenabil

    Rating 3.00 out of 5

    Pe cat de ireal suna acest titlu, pe atat de adevarat este. Si de aceea, repet: beneficiarul principal al crizei din Romania este consumatorul. Asta este vestea buna. Vestea proasta vine acum: beneficiile se vor simti intr-un spectru de timp situat intre 12 si 18 luni. (More …)

     
  • Robert ZANESCU

    40 € discount la workshop-urile “Beat the Recession, Beat the competion - Global Best Practices in Sales Management” si “The Latest in Channel Innovation“

    Robert ZANESCU 16:59 on June 3, 2010 | 0 Permalink | Reply
    Tags: discount, workshop

    Rating 3.00 out of 5

    Multumesc tuturor celor care au urmarit interviul cu Sandy Vaci, Adjunct Senior Professor la CEU Business School, in blog post-urile din 1 Iunie si 2 Iunie.

    Pentru cititorii http://www.zanescu.ro/blog care vor sa participe la workshopurile prezentate in aceste blog post-uri, Business Review ofera un discount de 40 de EURO. Mergeti pe pagina Register si introduceti in campul “Discount code” textul Robert Zanescu. Oricare a fost optiunea marcata in campurile:

    “I want to attend Beat the Recession, Beat the competion – Global Best Practices in Sales Management for 190 EUR + VAT”,

    “I want to attend The Latest in Channel Innovation for 190 EUR + VAT”,

    “I want to attend both events for 330 EUR +VAT,

    costul participarii va fi mai mic cu 40 de EURO (sistemul va calcula pretul final tinand cont de aceasta oferta speciala pentru cititorii http://www.zanescu.ro/blog).

    Profita chiar acum de discount-ul de 40 de EURO. Numai pentru cititorii http://www.zanescu.ro/blog!


     
  • Robert ZANESCU

    O prima sansa - brandul turistic al Romaniei

    Robert ZANESCU 14:44 on June 3, 2010 | 0 Permalink | Reply
    Tags: , , , ,

    Rating 3.00 out of 5

    Cosmin Alexandru posteaza astazi pe blogul lui un articol excelent publicat in Revista 22: “O prima sansa”. Articolul surprinde un aspect foarte important in definirea unui brand, in special in zona de servicii: articularea coerenta a brandului in fiecare punct de interactiune al brandului cu consumatorul. Comentariul meu la acest post pe blogul lui Cosmin propune “talibanizarea” abordarii.

    Intr-un post mai vechi spuneam ca diferenta este facuta de conversatia intr-un context relevant si furnizam cateva exemple de comunicare in context.

    Cred ca acesta este sansa noastra, dincolo de reclame bine facute si difuzari in prime-time pe CNN si Euronews: context, context, context. Comunicare si reasigurare continua a consumatorului ca decizia de cumparare a fost una buna si ca promisiunile au fost, sunt si vor fi indeplinite.

     
  • Robert ZANESCU

    Interviu cu Sandy Vaci, Adjunct Senior Professor la CEU Business School - partea a doua

    Robert ZANESCU 09:03 on June 2, 2010 | 1 Permalink | Reply
    Tags: , , , , , , ,

    Rating 3.00 out of 5

    “why do so many managers readily blame people when things go wrong, instead of looking at the circumstances that could have caused it?” – Sandy Vaci.

    Acest post este o continuare a interviului realizat cu Sandy Vaci, Adjunct Senior Professor la CEU Business School. In prima parte, publicata ieri, am discutat despre schimbarile pe care trebuie sa le facem pentru a evita greselile dinainte de criza, despre nevoile reale ale consumatorilor si despre simt de afaceri.

    In randurile urmatoare, ultima parte a interviului realizat cu Sandy.

    Robert Zanescu: Which was in your view a great sales experience that you’ve noticed recently (being exposed to personally or noticed in your research work)? Can you elaborate on the reasons why do you believe it was a great sales experience?

    Sandy Vaci: It happened a few weeks ago at the Bucharest Marriott and was delivered by a person called Dan Martinas. (They are not paying me to say this, I actually collect and document these experiences so I can use them as examples!)

    I arrived late and needed to make some small changes to my presentation for next morning. I stay at the hotel often, so Dan offered me free use of a PC in their Business Centre. This was already a nice touch – they acknowledged and thanked me for my patronage this way.

    But the PC I got at the Centre did not work. Dan came over and started up another one for me. That also did not work. Apparently, all the PCs in the Centre were out of commission, awaiting some system upgrade. Although it wasn’t his fault, Dan personally apologized for this as if it was. He then personally took me up to the Business Lounge (normally reserved for those who booked a suite) and asked the attendant there to give me free access to one of their PCs.

    Bad luck. All the PCs had the same problem there. Dan apologized again and offered help finding an internet café nearby to make my changes. He said he would have offered his personal laptop but didn’t take it to work. I told him not to worry, I make the changes in the office next morning and go and have a swim instead. Dan went away and within minutes a pair of slippers arrived in my room (for my trip to the pool), together with a free fruit basket and a personal note of apology from Dan, wishing me a good swim and a healthy snack after a healthy exercise.

    I felt… delight. Interesting, isn’t it? At the end, I could not do what I wanted to. But I had an incredibly positive experience. Dan did not blame others. He truly represented his company. He did everything he could to help. And he finished it of with a truly unexpected touch that went beyond customer satisfaction, to customer delight. This is what I call creating a differentiating EXPERIENCE.

    Now, you could say that this was service, not sales. But guess what? I return to Bucharest often for seminars, lectures, consulting. Different companies have contacts with different hotels. They would put me up at different places. With this single act Dan has bought my loyalty for years. I will always stay at the Marriott. I said earlier “sales is a higher level of service”. It is also true in reverse: “excellent service is the best sales there is!”

    Which are in your view the top 5 abilities/skills that a Transnational Sales Manager should have?

    First: Keeping a common sense towards people. Nobody gets up in the morning saying “I’ll go to work today to do a really bad job!” And nobody changes overnight. So why do so many managers readily blame people when things go wrong, instead of looking at the circumstances that could have caused it? Why do I hear so often “oh, yes, he (or she) used to be really good but he changed”? A manager’s job is to both ENABLE and motivate their people to greatness. Let’s look at ourselves first, what we could have done to create a winning environment before we lay the blame elsewhere.

    Second: Ability to plan and measure activities and efficiencies which will lead to sales or profit, instead of measuring only profit or sales itself. We need to plan our way to success. We should not drive looking in the rearview mirror. Looking forward means managing the activities that will generate results. Tracking results alone is looking backwards. By the time I get the results there is nothing I can do to change them!

    Third: Being “3-D”. I don’t mean being three dimensional. I mean knowing when to Delegate, when to Discuss and when to Decide. The worst decision is not making one, and not allowing others to make it either. This is even more important, and even more difficult, when managing across cultures. A real challenge for transnational managers!

    Fourth: Having a good balance of creativity and discipline.

    Fifth: Having humor and humility.

    What about the Marketing Manager? Could you please enumerate the top 5 abilities/skills that a Marketing Manager should develop in order to keep up with a Transnational Sales Manager?

    It’s probably too easy to say that they should have pretty much the same skills… So let me add two more. Then you can pick three you liked from the previous one and add these two to get to the magic five!

    One: Ability to see marketing and sales as part of a continuum, not as separate disciplines.

    Two: Willingness to understand the sales processes at work. This will allow the marketer to design better tools for the sales people, to treat every sales or service interaction as a marketing opportunity. A wonderful example comes to mind here. Back in Canada we wanted to get bank tellers (those employees who do cashier and transactional activities) involved in a retirement investment campaign. It was difficult. Their focus was reactive, to do what the customer wanted. Do it fast, do it well, don’t keep anyone waiting.

    The solution came from one of our colleagues, who spent some of his time in branches and observed how things work in detail. Based on his suggestions we put a glass jar, full of $1 coins in front of every teller, on the customers’ side. There was a sign on it, facing the customer: “Take a coin if I did NOT ask you about our latest retirement savings options!” Then we told all our tellers that whatever money was left in their jar at the end of the campaign was theirs.

    You should have seen the enthusiasm this generated. We had thousands of instant sales people, proactively asking every customer if they were willing to discuss their retirement needs with us. This kind of insight only comes from willingness to observe and understand how other areas do their work – then using the knowledge gained, creatively.

    On that note, I guess I should add a third point after all: “of course, you should practice the above two skills while keeping your marketing mindset and professionalism”!

    It was long said, “money makes the world go round”. If you were to find a replacement for this, what would you say for the post-crisis period?

    I honestly don’t think it will change. And there is nothing wrong with that. Money does make the world go round. It is the oil in the engine. Problems happen when we focus so much on the oil that we forget it is only there to make the engine work. If you take the oil out, the engine will stop. But what do you do with a bucketful of oil if you no longer have a working engine to pour it into? All I would ask for is: PLEASE REMEMBER THE ENGINE!

    Thank you Sandy for your time and looking forward to the workshops in Bucharest.


    Sandy Vaci – Adjunct Senior Professor la CEU Business School (MBA Studies)

    Despre Sandy Vaci

    Sandy este in prezent Chairman of the Supervisory Board of the Credit Bank of Moscow si Partener la Leaders’ Den – o companie globala de consultanta cu sediul central in Marea Britanie.  A publicat doua carti despre practici globale in domeniul vanzarilor la VRL. Un cetatean global, Sandy are ca baze ale activitatilor sale Toronto, Vienna si Budapesta.

    Sandy va sustine in Bucuresti doua seminarii de vanzari in organizate de BUSINESS REVIEW.

    “Global best Practices in Sales Management” este un semniar dedicat practicilor internationale de management al vanzarilor, practici pe care oricine le poate utiliza pentru a se proteja de efectele recesiunii si pentru a se pregati pentru viitoarea crestere economica.

    “The Latest in Channel Innovation-  A Practical Guide” este continuarea seminarului “Global best Practices in Sales Management” si va face o trecere in revista a practicilor internationale privind “controlarea unei relatii” in contrast cu “controlarea de active” in scopul cresterii veniturilor cu costuri mici si flexibile.

    Mai multe despre seminariile pregatite de catre Sandy la Bucuresti pe site-ul BUSINESS REVIEW.

     
  • Robert ZANESCU

    Interviu cu Sandy Vaci, Adjunct Senior Professor la CEU Business School

    Robert ZANESCU 13:04 on June 1, 2010 | 4 Permalink | Reply
    Tags: , , , ,

    Rating 3.00 out of 5
    Sandy Vaci – Adjunct Senior Professor at CEU Business School (MBA Studies)

    Sandy Vaci – Adjunct Senior Professor at CEU Business School (MBA Studies)

    “I believe selling, when done right, is a higher level of service.” – Sandy Vaci.

    Cu cateva zile in urma am avut un blog post despre doua seminarii pregatite de catre Sandy Vaci, Adjunct Senior Professor la CEU Business School (MBA Studies): “Global Best Practices in Sales Management” (16 Iunie), siThe Latest in Channel Innovation -  A Practical Guide” (29 Iunie).

    In aceasta saptamana public o discutie avuta cu Sandy despre marketing, vanzari si despre customer experiences.

    Robert Zanescu: Sandy, we’ve met at Raiffeisen Bank (you contributed decisively to my hiring decision there as Marketing Director back in 2002, and I say thank you again for this). You were a top ranked Executive at Raiffeisen International, the owner of 15 network banks in Eastern Europe. Now, you became and “academic”. Knowing you as a man that seeks challenges, I cannot start by not asking, what challenges, what hurdles do you have in front of you in your new role?

    Sandy Vaci: Being an “academic” gives me wonderful challenges and opportunities in many areas. First, I can develop new managers and share my knowledge. This is something I always enjoyed doing in the “industry”. Second, I get to work with lots of interesting, different companies. I see interesting issues in different industries and work with different people to help solve them. Obviously, I could not do this while working for any specific company. Finally, I get a chance to “blow up management myths”. And without getting fired for it! There are so many fads going around at any given time. Being able to expose them, and learn from this, is great fun. Again, this is hard to do while working in the industry. Your boss may believe too strongly in them…

    As for the hurdles, the first one was getting accepted in academia, as someone coming from industry. Luckily, both CEU and MSM (Maastricht School of Management, just opening in Romania) decided to give me a chance. I owe them big thanks for that. The second hurdle is handling the academic bureaucracy which I am not used to. But it’s a small price to pay for doing something I really like.

    You are very active in many fields, you teach, you are playing a role in the management board of a bank, you write books. Do you have more than 24 hours in a day? How do you manage your time, is there life after work?

    It’s not as bad as it looks. I enjoy everything I do, so that makes it easier. And my board job is actually at the Supervisory board level, which is easier than a full time Management board job. All of that still leaves me time for my wife, for friends, concerts, hikes… and renovating our house. And I like to keep 25 to 30% of my time available for “last minute opportunities” like consulting requests, conference invitations and the like.

    My marketing mantra is: “marketing is selling to as many people, as frequent as possible, as profitable as possible” and as a marketeer, I do believe that nothing happens unless someday sells something to somebody. Sandy, your experience spreads over marketing and sales roles in companies that were and are very aggressive on the market. Your current class at CEU Business School is “Transnational Sales Force Management”. You run sales workshops. Our appetite for sales and our consumers delight in buying ended up in quasi-general consumption crisis. What changes should we do in our approach? What really went wrong? Shall we aim towards a transformation of consumers into shoppers (sell them more commodities, rather than brands)?

    Wow! That’s a lot of questions in one. Yes, I believe that there is a level of “over-consumption” in some parts of the world. But I think the current crisis is more of a financial one that ended up infecting “real industries” than anything else. And I have my own mantra for how it could be (or should have been?) dealt with.

    If someone is trying to sell me something complex I always need to understand it before I buy. If they cannot explain it in simple terms which I understand, I don’t buy. And I always want time to decide. If they push me to give an answer on the spot, my answer is always “no”. Think about it: would we have got into this mess if regulators and consumers had followed these rules when banks tried to sell them those overly complex financial deals that exploded later?

    Now, for sales. I believe selling, when done right, is a higher level of service. Good sales is not shoving down something someone’s throat that he doesn’t want. Good sales is understanding the person’s real needs and offering the best solutions for them. My belief is that the world is moving in the opposite direction of what you mentioned: away from selling commodities.

    There is a theory about “experience based economy” which says that we keep moving from “resources” to “goods” to “services” to “EXPERIENCE”. Think of cows as “resources”, a cut of meat as “goods”, the steak dinner at a restaurant as “service”. When a restaurant differentiates itself based on its ambience, based on how you feel there – that is creating an “experience”. As we move from the early resource based economies through goods to services and beyond, each new stage turns the offers of the previous ones into commodities. They are differentiated mostly on price, while I differentiate myself by better satisfying consumers’ real needs.

    So to me the challenge is to find out what experiences people want and REALLY target our efforts towards satisfying those. I believe this will be the real challenge for both marketers and sales professionals in the coming years. That is what being “consumer centric” should mean. Of course, smart businessmen (and women) will then try to build brands around these “experience offers” to give them a sustainable advantage. I see nothing wrong with that.

    Banking industry is among the most hurt ones in the current environment and retail sales have gone from bad to worse. Steven van Groningen, the CEO of Raiffesen Bank Romania says on his blog that “NO CONFIDENCE, NO BORROWING. Consumer confidence fell more in Romania than it did in the EU and other CEE countries. Not only did it fall more, it also remained lower for longer and is still low today.” What would you recommend to a retail bank sales force management to do in such harsh environment?

    First of all, understand and focus on the real needs of your customers and prospects. Try to address their needs, instead of feeling depressed because you are not allowed by your Credit department to sell them loans. For example, borrowing is one way to satisfy the need for decent housing by buying a new home. But you are not allowed to grant a large loan. So what about suggesting saving up for a larger downpayment? (And offering a savings product to do so.) Or renovating with a smaller renovation loan? How about taking a loan for a longer term with lower payments to make it more affordable, or actually suggesting that they borrow some of the money needed from family, so that the bank can give them the rest?

    Second, keep in contact with your best customers and continue to delight them with service. You need to preserve your ability to sell them something in the future. That means keeping their trust, staying top of mind for them.

    Third, try to make sure your bank helps them if they have credit problems. This is not simply being nice and being customer centric. It makes hard nosed business sense. Rule number one of cross selling is: “like to like”. Tobacco companies sell their brands to those who already smoke. Beer companies sell beer to those who are allowed to drink and already do so. Banks can only sell credit to those who are not afraid of it. If your customers have bad experiences with borrowing they will think very hard the next time before they ask for a loan. If you don’t help them today, you will lose them tomorrow.

    Continuarea interviului cu Sandy Vaci in blog post-ul de maine.


    Despre Sandy Vaci

    Sandy este in prezent Chairman of the Supervisory Board of the Credit Bank of Moscow si Partener la Leaders’ Den – o companie globala de consultanta cu sediul central in Marea Britanie.  A publicat doua carti despre practici globale in domeniul vanzarilor la VRL. Un cetatean global, Sandy are ca baze ale activitatilor sale Toronto, Vienna si Budapesta.

    Mai multe despre seminariile pregatite de catre Sandy la Bucuresti pe site-ul Business Review.

     
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