ABL-Tech Member News & Industry Trendletter * March 21, 2024
    These upcoming ABL ZOOM Tables will discuss "Fast Returns From Generative AI"

  • 4/04 - OC ZOOM Table - featuring Ujj Nath, Chairman and CEO of myKaarma
  • 4/12 - LA ZOOM Table - featuring Frank Yeager, Exec Board Member, Eckert + Ziegler AG and President/CEO of the Isotope Div.
  • Explore Membership in ABL's Executive Round Tables >>>
  • Adout International contacted Jason Ciment, CEO of Get Visible, to say that they have several engineering interns to place for the summer in data science, networks security, data analysis, and more, and can forward resumes. The interns are available for 3 to 4 months, starting in June, at $1600 per month for full time. Jason shares with us that his company has used Adout a few times over the years. "They have an interesting program that places university and graduate students from France into paid and unpaid internships in the USA," Jason adds. If interested, contact Jason: 310-437-8185; [email protected]

  • ALSO, Jason shares the impressive CV of Ayal Yakobe a soon-to-be graduate of Columbia University with a Computer Science and Philosophy degree, who is also now working on his MS in Computer Science. Ayal wants to live and work in the Los Angeles area, and is particularly interested in Bioinformatics; Software Engineering; Data Science / Machine Learning; and Quantitive Trading.
CuraeSoft's (Mark Parinas) coAmplifi Strategic Blueprint Module Featured in CEOWorld Magazine

A recent CEOWorld magazine article - Planning for Success: Addressing Leadership Challenges in OST Planning with coAmplifi's Strategic Blueprint Module - spotlights a CuraeSoft solution. At the onset of a fiscal year, businesses are often driven by ambition, enthusiastically mapping out detailed plans, with yearly objectives, strategies, and tactics (OST) to achieve them, and necessary projects. Yet many organizations lose sight of these goals due to insufficient monitoring tools and unpredictable business landscapes. Utilizing CuraeSoft's Strategic Blueprint Module, part of its coAmplifi vHQ, enables companies to effectively navigate the transition from conceptualizing ambitious visions to achieving concrete outcomes. (LA)

Eckert & Ziegler (Frank Yeager) Extends Ga-68 Activities in Japan

Eckert & Ziegler (EZ) is expanding its activities on Gallium-68 (Ga-68) labeled diagnostics in Japan together with Novartis Pharma K.K. (Japan). For this purpose, a clinical trial was notified with the Japanese Pharmaceuticals and Medical Devices Agency, stating EZ's proprietary Ge-68/Ga-68 generator GalliaPharm as the single source for Ga-68. The first GalliaPharm as part of the study was delivered in January 2024 and will be followed by several further generators until mid-2025. The collaboration will generate considerable sales potential following successful market approval. (LA)

Optimum Info (Arvind Verma) Shares Success Story with Volkswagen of America

In Volkswagen of America Achieves 90%+ Field Team Utilization with IKON System, Optimum Info (OI) shares its recent success story: With a strong network of 640+ dealerships across the US, one of VWA's main goals is to increase the sales and service of EVs per dealership. The company's implementation of IKON resulted in strong system adoption, increased efficiency, and positive feedback from the field and executives. Looking ahead, VWA envisions expanding into additional OI solutions, including VISTA for facility project management. (OC)

John Tanner's NuSci to Present Brain Function Workshop on April 23

On the evening of April 23, NuSci Nutrition Science Foundation will present a Brain Function Workshop, which will share how to enhance cognitive functioning through diet and lifestyle practices. Presenter John Pierre will discuss the modalities he has utilized in his 40-year career to improve brain functioning and mental sharpness. The evening, to be held at Tanner Research in Duarte, includes a buffet dinner. (LA)

Toast (Ken Neeld) Chosen by Caribou Coffee & Examines New Digital Ordering Channels

Toast, the all-in-one digital platform built for restaurants, announced an agreement with Caribou Coffee to implement Toast Enterprise Solutions across 500 initial coffeehouse locations in the US. In addition to Toast point-of-sale terminals, Caribou Coffee will use Toast Payments, Kitchen Display Systems, and Multi-Location Management.
AND, Toast has published its Q4 2023 Restaurant Trends Report, which examines new digital ordering channels, tipping data, food and alcohol insights, and more. (OC)

Alvaka (Oli Thordarson) on: Cyber Breach Response Services Specific to SMEs

Alvaka CEO Oli Thordarson was a speaker at a recent webinar which is now available to watch on-demand - Underwriting and Supporting the SME. Companies seeking cyber coverage must meet an increasing number of underwriting requirements to place a cyber insurance policy with appropriate terms and conditions and at a reasonable premium for small and medium-sized enterprises. In the webinar, Oli provides his seasoned perspective on breach response services specific to SMEs.
ALSO, read recent articles from Alvaka: Critical Infrastructure: The Fragile Heartbeat of Western Modernity and $10 Million Reward for BlackCat Ransomware. (LA)

Dave Berkus on: Governance Boards & "Legal Cheating" on Your Tax Return

Dave has published several short videos:
> How governance boards change over time - in one minute.
> Duties of a board in 48 seconds.
> How to be a great board member in 1 1/2 minutes.
ALSO, in Dave's recent blog - How to cheat legally on your tax return, he discusses if it's ethical to allocate income between periods to take advantage of tax breaks; if expenses can be put off until the next period to increase income, or accelerated into this period by prepayment to decrease net income; and where do you draw the line, assuming no intent to defraud. Click here to read all of Dave's blog posts, including "Do you really need an accountant?," "Can your lawyer destroy a good business deal?;" and "What if you see juicy competitor information?" (LA)

Get Visible (Jason Ciment) on: How to Master Digital Marketing

Get Visible CEO Jason Ciment is featured in a recent episode of DesignRush podcast - "How To Master Digital Marketing", where he shares insights on creating an awesome brand through your website and social media promotion. Jason explains how his agency helps clients get more leads with digital marketing, and why outsourcing digital marketing offers the most cost-effective solution through access to specialized expertise.
MEANWHILE, Get Visible recently helped an eCommerce company create a serious uptick in sales with a calculated PPC strategy. AND, read Get Visible articles: Why SEO Content in 2024 is Worth Every Penny and SEO Rankings in 2024 Without Link Building. (LA)

GIDEON Informatics (Uri Blackman) Publishes Video: GIDEON Platform in 60 Seconds

GIDEON Informatics has published a video - GIDEON platform in 60 seconds, which provides a "lightning-fast overview" of the key features of the GIDEON infectious diseases platform.
ALSO, GIDEON publishes a variety of health-related articles on its website, including recently, "Worm Infections: 3 Parasite Infections You Can Get From Your Pets;" and "Severe Strep iGAS: Invasive Group A Streptococcus Infections Rising?" (LA)

Clovers & Instil (Adam Miller, JD) on: Utilizing AI in Hiring Process + Lasting Donor Relationships

In How to Create a Positive Candidate Experience with AI, Clovers declares that if you engage the right AI, you'll transform your candidate experience for the better. Clovers discusses delivering a more inclusive hiring process, increasing engagement and connection, reducing time to hire, improving matching and retention, and strengthening your company brand.
AND, other recent articles from Clovers include: What are the best interview questions to ask candidates? and How to thoughtfully integrate AI.
MEANWHILE, Instil has published these resources:
> On-demand webinar - Connect, Interact, Nurture: A Trail Guide for Building Lasting Donor Relationships.
> Article - Leveraging Events for Major Gift Stewardship.
> Article - Top Major Gifts Tools Every Development Officer Should Know.
> Article - How Are Nonprofits Approaching DAFs [donor-advised funds]? Check Out the Numbers. (LA)

myKaarma (Ujj Nath) on: Why "Working Backwards" is So Important in Product Design

In "Working Backwards" why it is so important in product design!, Ujj Nath, CEO of myKaarma, describes the "magic" of this approach that starts with the end goal, the final product or outcome you're dreaming of, and then you reverse-engineer the steps to get there. Working backwards is a game-changer because it forces you to zero in on the customer's needs and how your product will meet them. Instead of getting lost in the weeds with features or technologies from the get-go, you start with the customer experience and work your way back. (OC)

Payani Group (Ali Payani) on: Embrace Change or Risk Obsolescence

In The New Business Imperative: Embrace Change Or Risk Obsolescence, Ali Payani, CEO of Payani Group, states that the advent of transformative technologies and shifts in consumer behavior demand a reevaluation of traditional business models. As we stand on the brink of a new era, he says, it's clear that businesses, both old and new, must embrace change or face the stark reality of obsolescence within the next five years. Ali discusses the AI revolution, marketing in the digital age, brand positioning in a saturated market, redefining the customer journey, and sales transformation.
ALSO, read Payani Media's recent article - Unlocking Intelligent Insights in Marketing Analytics Through AI Tools. (LA)

The Primas Group (Mike Mastro) on: Best CX Solutions & Benefits of Interactive Voice Response

In Best 5 Customer Experience Solutions to Watch in 2024, The Primas Group discusses Generative AI: Explore Creativity; Smart Chatbot: Exploring Benefits and Applications; Omnichannel Solution; FreedomQ: Unleashing Efficiency and Flexibility; and Post Contact Survey Solution: Enhancing Engagement.
AND, in Key Benefits of Interactive Voice Response (IVR), Primas Group explains that IVR allows users to interact with the system via voice or dial pad's automated phone system technology, and provides optimal customer service. With the ability to shape calls to specific needs and dynamically guide users, IVR is vital in optimizing communication and improving performance in enterprise environments. (OC)

ProProfs (Sameer Bhatia) on: Reducing Support Tickets with a Self-Service Knowledge Base

In How to Reduce Support Tickets With Self-Service Knowledge Base, ProProfs reports that today's customers crave convenience and speed, and an online knowledge base is the best way to meet these expectations. It brings help closer to your customers, thus empowering them to solve issues on their own. This eventually brings down support tickets, giving your support agents a sigh of relief. ProProfs shares ten simple ways to prepare your knowledge base, including identifying and addressing customer pain points, answering common customer questions right away, providing a pleasant search experience, keeping content simple and straightforward, integrating your knowledge base with other support tools, and more.
ALSO, ProProfs announced its Qualaroo's Sentiment Analysis Powered by IBM Watson, an AI tool that reads between the lines, uncovering the joy, anger, sadness - and everything in between - that are hidden in users' comments. (OC)

Brad Schmidt

Brad Schmidt is CEO of NCPIC (Northern California PET Imaging Center), a global leader in precision cancer imaging using PET (Positron Emission Tomography) in conjunction with CT (Computed Tomography) combined into a single superposed (co-registered) image of sequential images taken from both devices in the same session. As NCPIC's CEO, Brad focuses on supporting oncology modernization with advanced technology, expanding collaborations, and developing partnerships for the Center with other providers, medical device, and pharma companies. NCPIC supports thousands of patients annually in its Sacramento and Rocklin locations with precision cancer and neurology PET imaging which helps define correct care pathways for treating physicians. Established as a nonprofit, in 1992, NCPIC holds the distinction of being the nation's first freestanding non-university affiliated PET Center. Originally founded by Sutter Health, Mercy, and Radiological Associates of Sacramento, NCPIC has consistently delivered high-quality molecular imaging to its community, garnering recognition as a premier PET Center, that enables care teams to boost their efforts to treat cancer and neurology patients accurately - while raising the bar for quality PET/CT imaging nationally. Before joining NCPIC, Brad was the founder and CEO of Inglewood Imaging Center (IIC) where he established advanced cancer and body imaging access points for patients from throughout LA County. During his tenure at IIC, Brad was named Medical Group CEO of the Year and IIC was awarded Healthcare Company of the Year for three consecutive years, by the Los Angeles Business Journal. An ABL-Health LA Member since early 2012, Brad has joined ABL's Bay Area Round Table.

Biospectal's (Eliott Jones) Swiss Launch Spotlighted by BioAlps

Biospectal's recent product launch in Switzerland was covered by BioAlps, in an article entitled, Monitor your blood pressure with OptiBP, a Biospectal application. The article reports that Biospectal will expand OptiBP's rollout to other major European countries and then proceed to global markets, where it already has conducted extensive research and validation in regions including Africa, Asia, and the U.S. (BA)

Elemeno Health & CEO Arup Roy-Burman, MD, Interviewed on Fierce 15 Podcast + Nursing Journal Spotlights Elemeno Success Story

Arup Roy-Burman, MD, CEO of Elemeno Health, is featured in a recent Fierce Healthcare (FH) podcast which follows up with Fierce 15 winners from 2019, the first year FH published the list of 15 private companies engaged in pioneering work. Elemeno Health was among those inaugural awardees. Arup reflects on how his company has grown and evolved through the pandemic and how its solution to support the workforce is needed now more than ever.
ALSO, Arup shares that a study was recently published and featured in the journal Nursing Management, which shows how Elemeno cut orientation times 40%, saved $850k in one department alone, and simultaneously improved outcomes. The CNO has since contracted to expand Elemeno to all units across both hospitals in their system. (BA)

Makani Science (Greg Buchert, MD) Accepted Into Consortium for Technology & Innovation in Pediatrics Accelerator

Makani Science has been accepted into the Consortium for Technology & Innovation in Pediatrics (CTIP) portfolio - an FDA-funded accelerator. CTIP's goal is to support innovators and encourage the development of safe, effective medical devices designed specifically for pediatric patients. Makani is developing a bandage-sized wireless monitor using an innovative, patent-protected electronic stretch sensor. (OC)

Providence Digital Innovation Group (Marcee Chmait) Serves as Advisors to New Vale Health

Marcee Chmait of Providence Digital Innovation Group is among the advisors to Vale Health, a recently introduced platform that marks a significant leap forward in bridging the often-disparate worlds of wellness and healthcare, backed by a consortium of leading healthcare systems. The platform is designed to serve as a marketplace where consumers can explore and purchase products that have been rigorously vetted by healthcare professionals. (LA)

Bob Rose Announces Rose Strategic Partners

Bob Rose has announced that after ten years of leading MedWand from a raw idea to an FDA-cleared, industry-leading product, dedicated to fulfilling the potential of telemedicine now deploying around the world, he has transitioned from President & CEO to Strategic Advisor to MedWand and is also engaging in broader initiatives across the telehealth industry and beyond. Leveraging decades of experience in design, manufacturing, and operations in healthcare, aerospace, defense, communications, and consumer electronics, Bob is leading the newly formed Rose Strategic Partners, LLC. It's already working with multiple associated companies, including MedWand, to help configure and deploy a Patient-Centric, Provider-Driven, Hybrid 5G Health Ecosystem across the entire continuum from hospital to home and back again. They are also helping to configure and launch a new company called NPIx, which is focused on, cutting-edge innovation and development, delivering turn-key manufacturing systems designed for maximum quality and then seamless hand-off to mainstream contract manufacturers for immediate scalability for customers in aerospace, defense, telecom, and medical sectors. (OC)

The Tay Group's Mike Epstein Unveils HLTHCard, a New Turnkey Solution

The Tay Group's Mike Epstein has announced his new venture coming out of stealth - HLTHCard, the first turnkey solution designed for Medicare Part D Plans and PBMs to operate in the Medicare Prescription Payment Plan created under the Inflation Reduction Act of 2022. Using the latest technology, Mike's team has developed a platform with MPPP specifically in mind. It handles everything from member education and enrollment to sending bills and receiving payments while complying with healthcare and banking/payment regulations. It also seamlessly integrates with existing PBMs and other ecosystem partners. (LA)

Wipfli (JJ Johnson) Publishes Webinar on Cyberthreats in Healthcare & eBook on EHRs

Wipfli has made its recent webinar available to watch on-demand - Healthcare Connections: Unmasking cyberthreats in healthcare.
AND, Wipfli encourages Members to download their ebook - Maximizing the potential of your EHR. (BA)

EU Passes AI Act, Places First Binding Rules on Generative AI

The European Union has voted to approve the AI Act, the world's first major set of regulatory ground rules on AI. The regulation separates unacceptable use cases from high, medium or low risk. The set of rules bans AI applications that pose risks to citizens' rights, such as biometric categorization systems, emotion recognition in the workplace and AI that manipulates human behavior. General-purpose AI systems and models will need to comply with EU copyright law and publish detailed summaries of the content used for training. The rules are still subject to a final check as well as formal endorsement by the Council. Once the act is published in the Official Journal, certain rules will begin applying in the following six to 36 months.
          Unlike other regulatory actions, such as the Biden Administration's executive order or voluntary commitments, the EU's AI Act aims to bring consequences to those organizations that break the rules. Noncompliant organizations are looking at paying fines ranging from 7.5 million to 35 million euros ($8.2 million to $38 million), depending on the infringement and size of the company. (https://www.ciodive.com/news/EU-passes-AI-Act-noncompliant-fines-genAI/710239/)

EU's Digital Markets Act is Live; Here's How Tech Giants are Responding

March 6 was the deadline for tech's biggest "gatekeepers" to comply with the European Union's Digital Markets Act (DMA). The DMA requires powerful companies to allow more interoperability and avoid preferencing their own digital services. It has generated disputes over which services should be included, sparked excitement among smaller competitors, and resulted in changes to how companies handle fundamental parts of their business. And, in March 2024, after years of debate, the rules are coming into force. The EU has designated six companies as gatekeepers, which it defines as large digital platforms providing "core" services like app stores, search engines, and web browsers. The DMA's restrictions apply to specific services within these companies: Alphabet, Amazon, Apple, ByteDance, Meta, and Microsoft. Here's what each has been doing to meet - and fight - those demands: https://www.theverge.com/2024/3/6/24091592/eu-dma-competition-compliance-deadline-big-tech-policy-changes

Justice Department Hires First Chief AI Officer

On February 22, Attorney General Merrick B. Garland appointed Jonathan Mayer as the Justice Department's inaugural Chief Science and Technology Advisor and Chief Artificial Intelligence Officer. Mayer will sit in the Justice Department's Office of Legal Policy and lead the Department's newly established Emerging Technologies Board which coordinates and governs AI and other emerging technologies across the Department. Mayer will also build a team of technical and policy experts in cybersecurity and AI. The Chief AI Officer position is a role required by President Biden's Executive Order on AI. Mayer is an assistant professor of computer science and public affairs at Princeton University and served as the technology law and policy advisor to then-Senator Kamala Harris as well as the chief technologist to the FCC's Enforcement Bureau. This appointment, alongside Deputy Attorney General Lisa Monaco's recent remarks on AI, signals the Department's determination to keep pace with rapidly evolving scientific and technological developments that come with generative AI. (https://www.consumerfinanceandfintechblog.com/2024/03/justice-department-hires-first-chief-ai-officer/)

U.S. Must Move 'Decisively' to Avert 'Extinction-Level' Threat From AI, Government-Commissioned Report Says

U.S. government must move "quickly and decisively" to avert substantial national security risks stemming from artificial intelligence which could, in the worst case, cause an "extinction-level threat to the human species," says a recently published report commissioned by the U.S. government. "Current frontier AI development poses urgent and growing risks to national security," the report, which TIME obtained ahead of its publication, says. "The rise of advanced AI and AGI [artificial general intelligence] has the potential to destabilize global security in ways reminiscent of the introduction of nuclear weapons." AGI is a hypothetical technology that could perform most tasks at or above the level of a human. Such systems do not currently exist, but the leading AI labs are working toward them, and many expect AGI to arrive within the next five years or less.
          The three authors of the report worked on it for more than a year, speaking with more than 200 government employees, experts, and workers at frontier AI companies - like OpenAI, Google DeepMind, Anthropic and Meta - as part of their research. The finished document, titled "An Action Plan to Increase the Safety and Security of Advanced AI," recommends a set of sweeping and unprecedented policy actions that, if enacted, would radically disrupt the AI industry. Among the Report's recommendations are: Congress should make it illegal to train AI models using more than a certain level of computing power. That threshold should be set by a new federal AI agency, although the report suggests, as an example, that the agency could set it just above the levels of computing power used to train current cutting-edge models like OpenAI's GPT-4 and Google's Gemini. The report further recommends that the new AI agency should require AI companies on the "frontier" of the industry to obtain government permission to train and deploy new models above a certain lower threshold,. Authorities should also "urgently" consider outlawing the publication of the "weights," or inner workings, of powerful AI models, for example under open-source licenses, with violations possibly punishable by jail time. And the government should further tighten controls on the manufacture and export of AI chips, and channel federal funding toward "alignment" research that seeks to make advanced AI safer. (https://time.com/6898967/ai-extinction-national-security-risks-report/)

FCC Creates Voluntary Cybersecurity Labeling Program for Smart Products

The Federal Communications Commission has voted to create a voluntary cybersecurity labeling program for wireless consumer Internet of Things products. Under the program, qualifying consumer smart products that meet robust cybersecurity standards will bear a label - including a new "U.S Cyber Trust Mark" - that will help consumers make informed purchasing decisions, differentiate trustworthy products in the marketplace, and create incentives for manufacturers to meet higher cybersecurity standards. The Commission is also seeking public comment on additional potential disclosure requirements, including whether software or firmware for a product is developed or deployed by a company located in a country that presents national security concerns and whether customer data collected by the product will be sent to servers located within such a country. (https://docs.fcc.gov/public/attachments/DOC-401201A1.pdf)

Waymo's Self-Driving Taxis Take on Los Angeles

On March 1, state of California regulators gave Waymo, the self-driving taxi company owned by Google's parent, Alphabet, the green light to expand its robotaxi service to LA County, clearing the way for the company's expansion into one of the largest markets in the country. Under its new approval agreement, Waymo's driverless fleet can operate in LA, Santa Monica, Beverly Hills, Inglewood, East Los Angeles, Compton and many more locales. (https://www.latimes.com/california/story/2024-03-08/what-does-the-future-of-driverless-taxi-service-in-los-angeles-look-like-its-already-here)
          SUBSEQUENTLY, the Associated Press announced that, effective March 15, Waymo would offer free robotaxi rides to some of the roughly 50,000 people in L.A. who have signed up for its driverless ride-hailing service. Waymo is expanding into L.A. seven months after California regulators authorized its robotaxis to begin charging for around-the-clock rides throughout San Francisco. Waymo said it will eventually collect fares from passengers in L.A., too. The company also hopes to begin commercial operations in Austin, TX, later this year, a goal that makes its robotaxi service available in four major U.S. cities 15 years after it began as a secret project within Google. Waymo's robotaxis have been charging for rides in Phoenix, AZ, since 2020. For now, Waymo's free rides in L.A. will cover a 63-square-mile area spanning Santa Monica to Downtown. (https://apnews.com/article/waymo-google-robotaxis-driverless-los-angeles-expansion-6f06b65b5ad14f3f19609190c64d131f)

Delivery Drones Are Gaining a Clearer Commercial Flight Path

Routine delivery service has mostly eluded drone operators in the U.S. as they've navigated regulatory obstacles, community unease and challenging economics over the past decade in a bid to bring new technology to solve the puzzle of last-mile delivery. Industry executives say they have an improved landscape in 2024, however, after federal regulators recently granted several drone-delivery companies permission to fly more freely. That has led several retailers, restaurants and healthcare systems to expand their services across the U.S. "We're in a different phase fundamentally as a whole industry than we have been in for the better part of a decade," said Adam Woodworth, chief executive of Wing, which handles deliveries on behalf of companies such as Walmart and DoorDash. "2024 will be, I think, the first real year of scaling for residential drone delivery, particularly in the United States." Still, logistics experts caution drones have a long way to go before they become entrenched in commercial parcel distribution in the U.S. Drone delivery has expanded more rapidly outside the U.S., as McKinsey estimated that more than a million commercial drone deliveries were completed around the world last year; of which, about 157,500 were in North America. The FAA, meantime, is developing rules to make drone delivery "routine, scalable and economically viable," a spokesperson said. The agency asked a panel of academics, drone makers and industry experts to study the safety of operating drones out of a human's line of sight in 2021. The spokesperson said the FAA is now reviewing that Committee's final report. (https://www.wsj.com/articles/delivery-drones-are-gaining-a-clearer-commercial-flight-path-dec702be)

Dell Workers Can Stay Remote - But They're Not Going to Get Promoted

Dell has had a hybrid working culture in place for more than a decade - long before the pandemic struck. But in February, Dell introduced a strict return-to-office mandate, with punitive measures for those who want to stay at home. Under the new policy, staff were told that from May almost all employees will be classified as either "hybrid," or "remote." Hybrid workers will be required to come into an "approved" office at least 39 days a quarter - the equivalent of about three days a week, internal documents seen by BI show. If they want to keep working from home, staff can opt to go fully remote. But that option has a downside: fully remote workers will not be considered for promotion, or be able to change roles. The memo states: "For remote team members, it is important to understand the trade-offs: Career advancement, including applying to new roles in the company, will require a team member to reclassify as hybrid onsite." Dell told BI in a statement that "in-person connections paired with a flexible approach are critical to drive innovation and value differentiation." (https://www.businessinsider.com/dell-remote-workers-promotion-return-office-push-flexible-work-2024-3)

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