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M&M Insurance Podcasts – Insurance news, updates and education delivered differently.

There are now 23 podcasts available to stream on Spotify, each one under 30 minutes. John and Mick use the platform to discuss their views and valuable insights on the latest industry updates and news affecting Australian Insurance Brokers – ranging from ‘what general advice means’, client placement and operational planning all the way through to remuneration transparency and the importance of getting to know your client.

Business-Insurance

Does Public Liability Cover my Staff?

Public liability is a big deal. If a client visits your business or your employees visit client sites you are at risk of a third party claim – that claim may be for personal injury or property damage.

Tradies Insurance Business Owners

5 ways to prevent tool theft

If you operate a small business within the trades or services industry, it’s likely you have equipment integral to the everyday running of your business. Insurers are seeing a sharp rise in tool or general equipment theft. Without your tools, getting on with the job can be impossible. Not to mention the expense of having to replace tools or stock.

Reviewing sum insured: do you have enough cover for the post-Covid world?

The COVID-19 pandemic has impacted businesses around the world in different ways. Here in Australia, the insurance industry – and the companies it protects – have seen new costs and challenges. Nick Dendrinos, NTI’s Head of Motor Portfolio, took time out to explain how the industry is travelling and how businesses can make sure they’re ready for the challenges ahead.

Cyber Security Risks in Digital Supply

(CYBER) Security risks in digital supply chain’s

Production and supply chains are constantly yo-yoing in the midst of Covid-19life. From a digital perspective, Cyber supply chains are complex series of interactions across the lifecycle of all products and services used by an organisation.

Truck-Fleet-Insurance

4 Things you need to know when considering Truck Fleet Insurance

When considering Insurance for a transport business most go directly to a Comprehensive conventional policy without considering alternatives. Whilst the products on the surface look the same, the way they are managed can have huge impacts on future premiums and the businesses themselves.

Why now is the time to join Ausure

2022 marks an exciting new chapter for Ausure and Business owners who choose to be part of our dealer group.
With our leading-edge technology capabilities and functionalities, the digital sales strategy well and truly underway, and more access to services and support initiatives than ever – now is the time to join Ausure.

Ausure Launches Robotic Quoting For its ARs

Ausure Launches Robotic Quoting For its ARs

Through its partnership with 247 Systems, Ausure has released automated quoting software in the latest version of its digital program. The project is aimed at improving the efficiency of their AR’s and broking staff.

The only constant in life is Change

Reflecting on all the change the industry has been through in the past few years, I firmly believe at Ausure we got this, because we are among the strongest in the business (brokers across the country and head office teams) working together, achieving all we’ve achieved so far. We can break down each change that comes up into practical, approachable pieces. Here’s to a strong and prosperous 2022.

#23 Ellie Laidlaw, Mergers & Acquisitions

Ellie Laidlaw, CFO of Ausure and one of the key brainstrust for the group! In this episode, Millsy & I deep dive on what Ellie is seeing in the Mergers & Acquisitions space of our industry, namely consolidation. We talk about the multiples for the sales of portfolios, the benefits of succession planning and the roles Ausure has played in Joint Ventures. We also talk about this ‘changing landscape’ of our industry is affecting decision making within the business.

Mike-Edmonds

#22 Mike Edmonds, EGM Commercial – NTI

Introducing Mike Edmonds, Executive General Manager Commercial, NTI. In this episode, Millsy & I deep dive on everything People, HR & Culture with a genuine leader in the industry, as Mike opens up on his own journey that helped him become a leader in managing people.

#21 – Context is Everything…

Hi all, for some context with this episode Millsy & I deep dive on….context, and how it’s never been more important. We talk about context for telling the client story to an insurer, context for advising the client about their policies, including endorsements or exclusions.

#20 – General broking housekeeping

In this episode Millsy & I deep dive on some housekeeping issues that we see come across our desks recently. We shortlisted it to only 3 topics, which was hard to do with everything happening in the market. But we figured SCTP usage, Surveys & Training plans were the points to recap.

Darren Free Ausure Claims

#19 – Introducing Darren Free & Ausure Claims

In this episode Millsy & I deep dive on all things Claims, with Ausure’s head Claims Manager, Darren Free. Darren took time out of his busy day of over 600 claims for his team, to give us a quick intro to what the Ausure Claims Department is all about, including some insight into the recent Floods & Storm claims, especially around cash settlements, and the information clients need to know.
We also learn about Ausure’s new Claims Credit Programme, completely exclusive to Ausure. If you like what you hear, look out for the flyer with more details, coming soon.

#18 – Introducing Evan Ainslie from Lloyds

In this episode Millsy & I deep dive on all things Lloyds with the estimable Evan Ainslie. We get a layman’s explanation of what Lloyds do, including why they are not an insurer! Interesting no? Evan gave us probably the best summary we’ve heard in describing the massive beast that is Lloyds.

#16 – Part 2 with David Beard & Rolf Van Dulst of Coastsure Insurance Brokers

We didn’t get through everything we wanted to in the last podcast, so in this one we deep dive on how Beardy & Rolf approach the concept of Value Adding.  It’s a concept that make sense but Beardy & Rolf give us their own unique perspective on it, from how they ensure the client sees more advice to how they engage their team keep adding Value and Advice, which is especially hard in a hard market.

#15 – Introducing David Beard & Rolf Van Dulst of Coastsure Insurance Brokers

In this episode, Millsy and I spend time with two absolutes gents (and gems) of the industry, David Beard & Rolf Van Dulst, recent winners of Ausure’s major award, the Jim McIlveen Award of Excellence.  This award puts Coastsure in rarefied air with our very successful brokers from previous years.  Beardy & Rolf talk about the many layers of strategic planning they (and their team) have in their business.  It was really motivating to hear how much thought they put in for their business to run so well now.

#14 – Operational Planning in 2022

In this episode, Millsy and I deep dive on all things about Operational Planning. We see the silver lining of a hard market is the quality of submissions from our reps to insurers. We discuss the benefits of contingency planning, like getting your work done in advance (as much as possible), especially for those tasks you can control, such as sending out Pre-Reviews to clients earlier. We also talk about using more platforms where possible to get more advice to our clients. Somehow the image of Millsy wrestling a bull by it’s horns creeps into the conversation, a la Ben Stiller in Dodgeball, which by the way is one of the greatest date night movies ever.

#13 – Introducing Leticia Rees, Ausure’s 2021 Young Achiever Award

In this episode, Millsy and I deep dive on all things Leticia Rees, owner of Ausure Coastal and Ausure’s 2021 Young Achiever Award. Leticia seems to be that rare person who actually had a plan on getting into insurance, as opposed to most of us who fall into it. We get to understand how Leticia made her own luck by tapping other business owners on the shoulder. And it’s great to hear how Leticia runs her successful business. If you’re looking for some hot tips on how to manage a growing portfolio whilst maintaining a quality of life – in a year of lockdowns & catastrophes – then look no further than this poddy with Leticia.

#12 – Millsy & Mick Podcast – Introducing Graeme Lilley

In this episode, Millsy and I deep dive on all things Graeme Lilley, Ausure’s GM of Distribution and one of the nicest blokes we know in insurance. Graeme talks about fatigue in the industry (not his!) and gives his hot tips on relationship broking. We learn about his love of sci-fi and why he always packs his joggers when he travels. Unfortunately we don’t have cameras, but we spent too long talking about his now famous hair! …And is Graeme the new Tinder program for reps buying & selling their books???

#11 – Millsy & Mick Podcast – Introducing Scott McCarthy

In this episode, Millsy and I deep dive on all things Scott McCarthy, Ausure’s CEO and one of the smartest blokes we know in insurance. Scott gives his insight into this year and what next year might look like, including why January is so important for him. And maybe the most important surprise of all…it seems Scott has been bitten by the camping bug!

#10 – Millsy & Mick Podcast – How do we blow off steam?

Hi all, in this episode, Millsy and I deep dive on…wait…it’s not a deep dive, we just skim the surface on how we can let go of pressure. Our witty riposte starts with a cracking joke (one of the best you’ll hear) and flows into some lively stories about how we cope with work/life balance. We use a lot of wellness terminology, some of it in the right context as well! We’re not solving world issues here, but I think we started a nice change of pace heading into the end of the year.

#9 – Millsy & Mick Podcast – Remuneration Transparency

In this episode, Millsy and I deep dive on what could be the hottest topic of 2022….Remuneration Transparency. I’ll admit we are not providing a solution here…mainly because the regulatory bodies haven’t fixed their position yet. Millsy and I throw around some theories that we agree on…and others we don’t. But that’s ok, this isn’t just a black and white issue. We did agree that what brokers can control is our Advice to the client and how we keep showing what we do for our clients. The more of it, the better we will be positioned tomorrow…

#8 – Millsy & Mick Podcast – Faulty Workmanship

In this episode, Millsy and I free dive into Faulty Workmanship. That’s right, no more legislation talk for a while as we’re back to the nuts & bolts of broking. This is another passion project for Millsy and you can pick up his enthusiasm for wanting brokers talk to their clients about it…preferably at the start of the policy period! We throw in a claims example for you and talk about how Contract Works can provide a solution as well.

#7 – Millsy & Mick Podcast – Advice is Nice…

In episode 7, Millsy and I deep dive on Ausure’s latest communication about Advice, where going forward it ain’t General, it ain’t Personal…it’s just all Advice to our clients. We feel pretty comfortable about it as we think all Ausure brokers give advice to clients, regardless of the product. If you want to hear about the many upsides of an Advice only model, then sit back and tune in.

#5 – M&M Insurance Podcast – P.D.D.Ohhhhhhh (Product Design & Distribution Obligation…or P.D.D.O)

In episode 5, Millsy and I wanted to get right on to this new little doozy that will affect us all, Product Design & Distribution Obligation…or P.D.D.O. We talk about what it is, how we think it came about and the impact it has for clients, brokers and insurers. Like most brokers, we’re unsure of the value it adds to the client but because it’s here to stay….we decided to chat about it.

#4 – M&M Insurance Podcast – When you can’t place your client

In episode 4, Millsy (John Mills, Underwriting Manager of Ausure) is on the front foot for the topic of when you can’t place client’s insurance. He talks passionately (more so than usual!) about what brokers are facing, as it seems to occur more often lately. We talk about what brokers are doing for their client and we also talk about some possible solutions.

Celebrating what makes us Ausure

Time is a testament to how good relationships are. If you treat people the right way, they’re more likely to stay in touch. Evidence of friendships and trust that have lasted the test of time can be found in abundance among the Ausure family of AR’s, many of whom have known each other since the inception of Ausure (and AFM) 25 years ago and even far beyond that.

Ausure Head Office put on their Elf hats to help kids in need

Every year Ausure staff are given the opportunity to receive a list from a child. When the lists starts rolling in, you can feel the buzz of excitement throughout the office as the staff ‘aka elves’, eagerly read through their given list and share their child’s wishes with other staff in the office. This year, Ausure staff have made sure 30 disadvantaged children will have something to open on Christmas morning.

Ausure Insurance Brokers announces top achievers for 2021

“Excellence, professionalism, innovation and caring family values are the essence of what Ausure has been about since the company started 25 years ago. We are proud of all the people in our network of 233 insurance brokers situated in 112 locations across Australia and New Zealand,” says Graeme Lilley, Ausure General Manager – Distribution

Hay, Grain & Fertiliser – check your insurance

“We are seeing reports about predicted shortages or supply chain issues with some farm inputs such as fertiliser,” informs Ausure Insurance Brokers Rural & Distribution Manager in WA, Grant Brokenshire.

“Farmers are being encouraged to order early, incentives are being provided for early delivery (requiring storage on farm) and the values of those inputs are rising.”

“There are also reports of more harvested crops (including hay, grain, and seed) being stored on farm,” explains Brokenshire.

Which Ausure branch has been growing the fastest?

Despite the challenges of Covid which have hit many businesses and industries hard, there are some businesses which have continued to grow.

Ausure insurance brokers have been working even harder than before, finding innovative ways to stay in contact with clients, even during restrictions, and continued to strive to service clients’ insurance and risk management needs in the most professional, caring and dedicated manner, as they have always done.

Business Insurance

Developing leaders at Ausure

Ausure is delighted to announce two members of our team have been honoured with selection to participate in Hollard’s Aspire Women’s Leadership Programme. Ellie Laidlaw is Chief Financial Officer for the Ausure Group and Liz Alexandre leads the Broking Team at Ausure Insurance Brokers Brisbane.

Your website is the most important sales tool you have, here are some easy ways to make sure it’s performing how it should.

Websites. Almost every business has one, but chances it’s not something you pay much attention to other than updating the odd telephone number or adding a new staff member. 62% of consumers will disregard a business if they can’t find them online.

Let’s face it, Insurance Brokers aren’t exactly considered a hot topic. Unlike clothing brands or the big 4 banks, there’d be very few people that can rattle off Insurance Brokers names off the top of their heads… so what do people do? They search. Being visible on search engines is the most important thing you can do for the benefit of your business.

Tips to assist with compliance and efficiency of your business

We can celebrate some of the innovations that have come out of the pandemic. Over the past 18 months, Ausure has pivoted, creating a new desktop Audit process that has allowed us to continue uninterrupted while on-site compliance audit visits were not permitted. This process has proven very effective and allowed us to complete annual audits of every Ausure office in record time.

Ausure Hospitality

When you’re getting insurance it’s vital to have someone who understands the risks and diverse environments of the hospitality industry. The team at Ausure Hospitality have decades of accumulated knowledge and take pride in their excellent communication skills. This means you get to have a stress free, simplified insurance experience. Our team are industry leaders that take the time to write specialised and tailor made policies for every hospitality business, from restaurants to pubs and everything in between.

Ausure Gold Coast

Our Gold Coast Brokerage is a full service broker specialising in Business, Commercial & Industrial covers.

Our brokers have over 30 years industry experience. Our expert advice is backed up by Professional Service, from advising in cover that a client needs through to claims handling and negotiating.

Does your client have a pollution liability insurance exposure?

If your clients have a public liability policy but not for environmental liability they may face major losses. A major issue is first-party clean-up costs not just the perception of third-party damage and injury. It’s not just the obvious occupations that have an environmental liability risk, it can be property owners, hotel operators and even tradies such as landscapers.

Who will win Ausure’s Award of Excellence for 2021?

Who will win Ausure’s Award of Excellence for 2021? Excellence, innovation and family values are the essence of what Ausure has been about since the company started 25 years ago. We are proud of our network of 233 insurance brokers situated in 112 locations across Australia.

Rutherford Street Insurance Services

Rutherford Street Insurance Services is a family run business based in Rutherford St, Swan Hill with the ability to service customers all around the country. Our developed work practises combined with our team of fully qualified staff offer our customers efficient, professional and reliable service.

Ausure Insurance Services DPR Euroa

Every business is a little bit different, so it makes sense that their insurance needs are a little different too. Our teams at Ausure understand the subtlety of these differences and how to professionally present a risk to the insurance market. Insurers have different appetites for different risks. If attracted, they provide better pricing and broader covers.

We know our clients want their risks to be adequately and securely covered at a good price, so we develop strong working relationships with insurers that have healthy professional appetites in every industry, right across the country.

Ausure Insurance Services Deniliquin

Every business is a little bit different, so it makes sense that their insurance needs are a little different too. Our teams at Ausure understand the subtlety of these differences and how to professionally present a risk to the insurance market. Insurers have different appetites for different risks. If attracted, they provide better pricing and broader covers.

We know our clients want their risks to be adequately and securely covered at a good price, so we develop strong working relationships with insurers that have healthy professional appetites in every industry, right across the country.

Expert Tips to evaluate your Farm Insurance

Here are some expert tips from an Insurance Broker to help you understand Liability Insurance on your farm. Consider what may or may not be covered by your farm insurance package. Has anything changed on your farm? How does this currently affect your farming activities and relevant cover? This article aims to help equip you to have those important discussions with your Insurance Broker to ensure you choose the best and most up-to-date insurance protection for your farm and livelihood.

Why has the insurance market changed?

Insurance is going through some historic changes at the moment. So, I thought a little summary of what we’re going through may help you make decisions to cover yourself correctly AND save some coin.

Firstly, do you know what a hard market and soft market are in General Insurance? Do you know which one we are in right now?

Generally, a hard market means your premiums could be higher and a soft market is the opposite. Right now, the insurance market is probably in the hardest market for a long, long time.

Ausure Insurance Brokers Tasmania

Ausure prides itself on its  highly professional service to clients. We take pride in treating every client with  efficiency and integrity, ensuring every adviser is highly skilled in both insurance products and the personal and commercial needs of farm and business owners. Ausure advisers are fastidious believers in good old fashioned “service”, personalised to their clients and local in their approach.

Ausure Insurance Brokers Brisbane

Our business is based on protecting yours by providing you more advice tailored to you. We have unique agreements with key insurers that are not accessible to the open broking market, as well as access to most insurers and underwriters in Australia. Our brokers spend more time face to face with our 15,000 + clients, which we achieve through market leading national departments helping serve our clients and brokers directly.

As a privately owned national broker we pride ourselves on our thorough review service, comprehensive cover and competitive premiums.

10 Tips for Working from Home

In Australia, prior to recent events, up to 31% of us had the ability to work from home or remotely from the office! A lot of insurance brokers have gone digital with their files, need to work on the road when visiting clients and provide a lot of client’s paperwork by email. So, work from home, in our industry is a whole lot more accessible.

Since covid lockdowns, we’re all getting pretty used to working from home. You might have followed best practices, to begin with, but like many things, we can all let good habits slip. So, if this is the case, here’s an easy refresher to bear in mind.

Tracey Miller

As a founder of TLM Insurance Solutions, I have over 30 years experience in the Insurance Industry as a qualified Insurance Broker, offering a complete insurance strategy for the small to medium sized market for all their business needs and also to help protect their personal home, contents and personal insurances.

Small Business Marketing Tips

For small business owners and marketers, it is becoming increasingly harder to capture potential client’s attention, not just because of the saturated advertiser market but also the changing media environment.

Ausure Insurance Brokers WA – Perth

Located on Kintail Road, Ausure Insurance Brokers WA (Applecross) are general insurance brokers, providing advice, placements and claims management services to businesses of all sizes and industries.

Metsure Insurance Brokers

We are your local Sunshine Coast Insurance Brokerage. Insurance Broking is a competitive industry, so we step outside the square and set ourselves apart from the pack. We are all about relationship and fresh ideas to protect your business.

Ausure Insurance Brokers Gippsland

Ausure Insurance Brokers Gippsland is a locally owned and managed business that has been operating for nearly 60 years. We are situated in the CBDs of Bairnsdale and Sale.
Ausure Insurance Brokers Gippsland has a team of local people who are ready to help with our clients needs.

Ausure Insurance Brokers Gippsland – Sale

Ausure Insurance Brokers Gippsland is a locally owned and managed business that has been operating for nearly 60 years. We are situated in the CBD of Bairnsdale along with locations in Maffra and Sale. Ausure Insurance Brokers Gippsland has a team of local people who are ready to help with our clients needs.

Coastal Business Insurance

At Coastal Business Insurance we understand that professional customer service is not just the latest marketing catch phrase, it’s how we’ve done business for the past 23 years.

We are a locally owned and operated business offering the opportunity of protection through a range of well-known insurance providers.

Nicole Campbell

Ausure Macarthur opened its doors in December 2008 in Campbelltown NSW. Since those beginnings we have continued to grow our client base by delivering expert advice by skilled professionals and always being mindful of providing excellent customer service. We are a general insurance broker dealing with business clients in every state & territory around the country. There are no restrictions on the general insurance products we deal in and no industry that we cannot service.

CCInsure

Trish de Roode has been involved within the insurance industry since 1989. In 2002 Trish purchased a local Suncorp Agency and in 2010 moved over… Read More »CCInsure

Ausure Burleigh Heads

Our Gold Coast Brokerage is a full service broker specialising in Business, Commercial & Industrial covers.

Our brokers have over 30 years industry experience. Our expert advice is backed up by Professional Service, from advising in cover that a client needs through to claims handling and negotiating.

Shipping Delivery Insurance

Shipping and Delivery Insurance

Don’t leave it to chance. Know your item is covered in transit with NTI Shipping & Delivery Insurance. Backed by Australia’s largest transport and logistics specialist, NTI Shipping & Delivery Insurance lets you feel safe in the knowledge that if something goes wrong, we’ve got it covered. Policies start from just $15 and come with full Accidental Damage Cover included.

The value of having a trusted Ausure insurance broker

We all know bad things happen. Fires, theft, floods or cybercrime can destroy businesses and livelihoods. Having the right insurance cover in place to help protect your assets and minimize risks is vital. It is often when devastating events happen, that people realize just how valuable their insurance broker can be.

What attracts brokers to Ausure?

There are solid reasons why insurance broking businesses chose, trust and remain with Ausure.

We asked Ausure’s Graeme Lilley, GM of Distribution, who assists offices around Australia: What attracts brokers to Ausure?

Transit Cover

Transit Insurance covers loss or damage of goods (commercial or private) whilst in transit, within Australia and Overseas, if needed. Industries Building and Construction Farming… Read More »Transit Cover

Wilson General Insurance

Everyone wants their finance experience to be simple, straightforward forward, and effortless. Whether you’re buying a home, a car, or arranging your income protection, you want it to make sense and be easy. You need someone you can trust. To achieve this goal we have established an elite team of accredited mortgage, insurance, and financial specialists to meet all of your financial needs under one roof. At Wilson Financial and Wilson Insurance we act as an intermediary between you and the largest lenders and underwriters in Australia to secure a competitive rate with favourable terms. Our team has over 100 years of combined experience, and in most cases, we do not charge a fee when providing a quote.

We have the confidence, competence, and experience to get the job done. At Wilson Financial and Wilson Insurance we have infinite industry knowledge, achieve world-class results, and are committed to excellence. We take the time to understand your unique financial and insurance requirements. We offer time and cost-saving options, specialised knowledge, objective advice, and superior customer service. Regardless of whether it’s a new purchase, a debt consolidation, a new business or the refinance of an existing property, we are with you every step of the way. We are 100% committed to you and guarantee the highest levels of professionalism, integrity, and transparency at all times.

Why become an AR of Ausure?

6 great reasons to join Ausure
Big enough to have influence, small enough to care.
We are large enough to have substantial clout in the industry without losing the personal touch. Ausure is one of the largest licensees in Australia and has been operating for 25 years.

Cyber Insurance

Cyber Insurance

Cyber protection insurance is a relatively new form of cover. It’s designed to help protect your business from the financial impact of computer hacking or a data breach.

Ausure Horizon

We are passionate about helping people and relentless in our goal to to set the benchmark in high quality service and customer satisfaction.

SURA

SURA Hospitality Sura Hospitality is a new Underwriting Agency created by the amalgamation of Guardian, Celestial, Dolphin and Alpine. They are building on these existing… Read More »SURA

Pro Risk

Our Insurers ProRisk ProRisk is an underwriting agency that moves quickly to develop client solutions that will help you stay ahead of the pack. ProRisk… Read More »Pro Risk

QBE

Our Insurers QBE We provide a broad range of insurance products to personal, business, corporate and institutional customers. From car and home insurance, to tailored… Read More »QBE

NTI

Our Insurers NTI Whether you have a single vehicle or fleet, NTI offers tailored insurance coverage, prompt repair of damages, and quick claims handling. NTI… Read More »NTI

Fleetsure

Our Insurers Fleetsure Fleetsure is one of Australia’s leading specialist providers of insurance for Commercial and Heavy Motor Fleets. We can assist with a broad sector… Read More »Fleetsure

Home Insurance

Your house is probably your biggest single investment. More importantly, it’s home to you and your family.

SRS

Our Insurers SRS Underwriting Agency SRS Underwriting Agency is Australia’s leading Lloyds of London Undewriting Agency. Insurer’s Products Professional Indemnity & Broadform Liability Insurance Commercial… Read More »SRS

Commercial Property Owners Insurance

Commercial Property Owners Insurance is a solution tailored for the unique cover requirements of commercial property landlords. It is designed to provide customised cover for property, loss of income, theft, money and rent default, glass, tax audit, OH&S and legal costs, and machinery / electronic equipment breakdown liability.

QUS

QUS QUS PTY LTD is a general insurance underwriting agency committed to developing property insurance products for distribution solely through Australian Financial Service Licensed Insurance… Read More »QUS

Argenta

Argenta Located on the Lloyd’s Sydney platform, AUA operates as an approved coverholder for Argenta’s Lloyd’s Syndicate 2121.  As such, AUA is able to offer local… Read More »Argenta

AFA

Our Insurers AFA Insurance Founded in 1992, AFA Insurance offers unmatched expertise when it comes to finding the right cover for you or your clients.… Read More »AFA

Vero

Vero Vero is a specialist provider of quality business insurance products and packages in Australia. Our mission is to help secure the longevity of your… Read More »Vero

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