{"id":4930,"date":"2023-05-05T13:09:36","date_gmt":"2023-05-05T13:09:36","guid":{"rendered":"https:\/\/dev.irf.hu\/?p=4930"},"modified":"2023-05-11T09:27:54","modified_gmt":"2023-05-11T09:27:54","slug":"nyugdijpenztarak-digitalis-transzformacioja","status":"publish","type":"post","link":"https:\/\/dev.irf.hu\/en\/blog\/nyugdijpenztarak-digitalis-transzformacioja\/","title":{"rendered":"Nyugd\u00edjp\u00e9nzt\u00e1rak digit\u00e1lis transzform\u00e1ci\u00f3ja"},"content":{"rendered":"<h2 class=\"wp-block-heading\">El\u0151ny\u00f6k \u00e9s fontoss\u00e1g a 21. sz\u00e1zadban<\/h2>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Bevezet\u0151<\/strong><\/h3>\n\n\n\n<p>A nyugd\u00edjp\u00e9nzt\u00e1rak alapvet\u0151 szerepet t\u00f6ltenek be a t\u00e1rsadalom id\u0151sebb tagjainak j\u00f3l\u00e9t\u00e9ben, hiszen hossz\u00fa t\u00e1v\u00fa megtakar\u00edt\u00e1sokat kezelnek, amelyek lehet\u0151v\u00e9 teszik az emberek sz\u00e1m\u00e1ra a gondtalan nyugd\u00edjas \u00e9veket. A technol\u00f3gia fejl\u0151d\u00e9s\u00e9vel \u00e9s a digitaliz\u00e1ci\u00f3 t\u00e9rnyer\u00e9s\u00e9vel elengedhetetlenn\u00e9 v\u00e1lt a nyugd\u00edjp\u00e9nzt\u00e1rak sz\u00e1m\u00e1ra is a digit\u00e1lis transzform\u00e1ci\u00f3. Ebben a cikkben bemutatjuk a nyugd\u00edjp\u00e9nzt\u00e1rak digit\u00e1lis transzform\u00e1ci\u00f3j\u00e1nak el\u0151nyeit \u00e9s fontoss\u00e1g\u00e1t.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>N\u00f6veli a hat\u00e9konys\u00e1got \u00e9s cs\u00f6kkenti a k\u00f6lts\u00e9geket<\/strong><\/h3>\n\n\n\n<p>A digit\u00e1lis transzform\u00e1ci\u00f3 lehet\u0151v\u00e9 teszi a nyugd\u00edjp\u00e9nzt\u00e1rak sz\u00e1m\u00e1ra, hogy hat\u00e9konyabban \u00e9s k\u00f6lts\u00e9gtakar\u00e9kosabban m\u0171k\u00f6djenek. Az automatiz\u00e1lt folyamatok \u00e9s az intelligens rendszerek k\u00e9pesek azonnal feldolgozni az \u00fcgyfelek k\u00e9r\u00e9seit, amelyek hagyom\u00e1nyos m\u00f3dszerekkel t\u00f6bb id\u0151t \u00e9s munkaer\u0151t ig\u00e9nyeltek volna. Ez\u00e1ltal a nyugd\u00edjp\u00e9nzt\u00e1rak k\u00f6lts\u00e9gei cs\u00f6kkennek, \u00e9s az \u00fcgyfelek gyorsabb, k\u00e9nyelmesebb szolg\u00e1ltat\u00e1sokat \u00e9lvezhetnek.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Jav\u00edtja az \u00fcgyf\u00e9l\u00e9lm\u00e9nyt<\/strong><\/h3>\n\n\n\n<p>A digit\u00e1lis transzform\u00e1ci\u00f3 \u00e1ltal bevezetett \u00faj technol\u00f3gi\u00e1k, mint p\u00e9ld\u00e1ul a mobilalkalmaz\u00e1sok \u00e9s az \u00fcgyf\u00e9lszolg\u00e1lati chatbotok, jobb \u00e9s k\u00f6nnyebben el\u00e9rhet\u0151 inform\u00e1ci\u00f3kat k\u00edn\u00e1lnak az \u00fcgyfelek sz\u00e1m\u00e1ra. Az \u00fcgyfelek b\u00e1rmikor hozz\u00e1f\u00e9rhetnek nyugd\u00edjinform\u00e1ci\u00f3ikhoz \u00e9s tranzakci\u00f3ikhoz, valamint egyszer\u0171en kapcsolatba l\u00e9phetnek a nyugd\u00edjp\u00e9nzt\u00e1rral, ha k\u00e9rd\u00e9seik vagy probl\u00e9m\u00e1ik mer\u00fclnek fel. Mindez hozz\u00e1j\u00e1rul egy jobb, egyszer\u0171bb \u00e9s k\u00e9nyelmesebb \u00fcgyf\u00e9l\u00e9lm\u00e9nyhez.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Biztons\u00e1g \u00e9s adatv\u00e9delem<\/strong><\/h3>\n\n\n\n<p>A digit\u00e1lis transzform\u00e1ci\u00f3 lehet\u0151v\u00e9 teszi a nyugd\u00edjp\u00e9nzt\u00e1rak sz\u00e1m\u00e1ra, hogy er\u0151s\u00edts\u00e9k az adatv\u00e9delmi \u00e9s biztons\u00e1gi int\u00e9zked\u00e9seiket. A fejlett titkos\u00edt\u00e1si technol\u00f3gi\u00e1k, valamint az adatv\u00e9delmi \u00e9s biztons\u00e1gi szabv\u00e1nyok betart\u00e1sa biztos\u00edtja az \u00fcgyfelek szem\u00e9lyes \u00e9s p\u00e9nz\u00fcgyi adatainak v\u00e9delm\u00e9t. Emellett a folyamatos monitoring \u00e9s a mesters\u00e9ges intelligencia alkalmaz\u00e1sa el\u0151seg\u00edti a fenyeget\u00e9sek \u00e9s a csal\u00e1sok korai felismer\u00e9s\u00e9t, tov\u00e1bb n\u00f6velve az \u00fcgyfelek biztons\u00e1g\u00e1t.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Testreszabott szolg\u00e1ltat\u00e1sok \u00e9s p\u00e9nz\u00fcgyi tan\u00e1csad\u00e1s<\/strong><\/h3>\n\n\n\n<p>A digit\u00e1lis transzform\u00e1ci\u00f3 lehet\u0151v\u00e9 teszi a nyugd\u00edjp\u00e9nzt\u00e1rak sz\u00e1m\u00e1ra, hogy jobban meg\u00e9rts\u00e9k az \u00fcgyfelek ig\u00e9nyeit \u00e9s c\u00e9ljait. A nagy adatmennyis\u00e9g elemz\u00e9se r\u00e9v\u00e9n a nyugd\u00edjp\u00e9nzt\u00e1rak szem\u00e9lyre szabottabb, a felhaszn\u00e1l\u00f3k ig\u00e9nyeihez igazod\u00f3 term\u00e9keket \u00e9s szolg\u00e1ltat\u00e1sokat k\u00edn\u00e1lhatnak. Emellett a mesters\u00e9ges intelligencia seg\u00edts\u00e9g\u00e9vel a nyugd\u00edjp\u00e9nzt\u00e1rak val\u00f3s id\u0151ben ny\u00fajthatnak p\u00e9nz\u00fcgyi tan\u00e1csot \u00e9s seg\u00edts\u00e9get, hogy az \u00fcgyfelek optim\u00e1lis d\u00f6nt\u00e9seket hozhassanak nyugd\u00edj-megtakar\u00edt\u00e1saikr\u00f3l.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Fenntarthat\u00f3s\u00e1g \u00e9s z\u00f6ld technol\u00f3gia<\/strong><\/h3>\n\n\n\n<p>A digit\u00e1lis transzform\u00e1ci\u00f3 lehet\u0151s\u00e9get k\u00edn\u00e1l a nyugd\u00edjp\u00e9nzt\u00e1rak sz\u00e1m\u00e1ra, hogy k\u00f6rnyezetbar\u00e1tabb m\u00f3don m\u0171k\u00f6djenek. A pap\u00edr alap\u00fa folyamatok \u00e9s a fizikai irod\u00e1k cs\u00f6kkent\u00e9s\u00e9vel a nyugd\u00edjp\u00e9nzt\u00e1rak cs\u00f6kkenthetik \u00f6kol\u00f3giai l\u00e1bnyomukat \u00e9s el\u0151seg\u00edthetik a fenntarthat\u00f3 fejl\u0151d\u00e9st. A z\u00f6ld technol\u00f3gi\u00e1k alkalmaz\u00e1sa tov\u00e1bb\u00e1 el\u0151nyt jelenthet azok sz\u00e1m\u00e1ra, akik fenntarthat\u00f3 befektet\u00e9seket keresnek.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u00d6sszefoglal\u00f3<\/strong><\/h3>\n\n\n\n<p>A nyugd\u00edjp\u00e9nzt\u00e1rak digit\u00e1lis transzform\u00e1ci\u00f3ja sz\u00e1mos el\u0151nnyel j\u00e1r, bele\u00e9rtve a hat\u00e9konys\u00e1g n\u00f6vel\u00e9s\u00e9t, az \u00fcgyf\u00e9l\u00e9lm\u00e9ny jav\u00edt\u00e1s\u00e1t, a biztons\u00e1g \u00e9s az adatv\u00e9delem er\u0151s\u00edt\u00e9s\u00e9t, a testreszabott szolg\u00e1ltat\u00e1sokat \u00e9s a fenntarthat\u00f3s\u00e1g el\u0151seg\u00edt\u00e9s\u00e9t. A digit\u00e1lis transzform\u00e1ci\u00f3 nemcsak a nyugd\u00edjp\u00e9nzt\u00e1rak sz\u00e1m\u00e1ra jelent el\u0151nyt, hanem az \u00fcgyfelek sz\u00e1m\u00e1ra is, akik jobb \u00e9s k\u00e9nyelmesebb szolg\u00e1ltat\u00e1sokat \u00e9lvezhetnek, \u00e9s hossz\u00fa t\u00e1von biztons\u00e1gosabb nyugd\u00edj-megtakar\u00edt\u00e1sokra sz\u00e1m\u00edthatnak.<\/p>","protected":false},"excerpt":{"rendered":"<h2 class=\"wp-block-heading\">El\u0151ny\u00f6k \u00e9s fontoss\u00e1g a 21. sz\u00e1zadban<\/h2>\n<p>\nA nyugd\u00edjp\u00e9nzt\u00e1rak alapvet\u0151 szerepet t\u00f6ltenek be a t\u00e1rsadalom id\u0151sebb tagjainak j\u00f3l\u00e9t\u00e9ben, hiszen hossz\u00fa t\u00e1v\u00fa megtakar\u00edt\u00e1sokat kezelnek, amelyek lehet\u0151v\u00e9 teszik az emberek sz\u00e1m\u00e1ra a gondtalan nyugd\u00edjas \u00e9veket. A technol\u00f3gia fejl\u0151d\u00e9s\u00e9vel \u00e9s a digitaliz\u00e1ci\u00f3 t\u00e9rnyer\u00e9s\u00e9vel elengedhetetlenn\u00e9 v\u00e1lt a nyugd\u00edjp\u00e9nzt\u00e1rak sz\u00e1m\u00e1ra is a digit\u00e1lis transzform\u00e1ci\u00f3. Ebben a cikkben bemutatjuk a nyugd\u00edjp\u00e9nzt\u00e1rak digit\u00e1lis transzform\u00e1ci\u00f3j\u00e1nak el\u0151nyeit \u00e9s fontoss\u00e1g\u00e1t.<\/p>","protected":false},"author":1,"featured_media":5100,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_breakdance_hide_in_design_set":false,"_breakdance_tags":"","footnotes":""},"categories":[51],"tags":[57,59,53,54,58,55,60],"class_list":["post-4930","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-adatvedelem","tag-fenntarthatosag","tag-hatekonysagnoveles","tag-koltsegcsokkentes","tag-penzugyi-tanacsadas","tag-ugyfelelmeny","tag-zold-technologia"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Nyugd\u00edjp\u00e9nzt\u00e1rak digit\u00e1lis transzform\u00e1ci\u00f3ja - IRF Solutions Kft.<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Nyugd\u00edjp\u00e9nzt\u00e1rak digit\u00e1lis transzform\u00e1ci\u00f3ja - IRF Solutions Kft.\" \/>\n<meta property=\"og:description\" content=\"El\u0151ny\u00f6k \u00e9s fontoss\u00e1g a 21. sz\u00e1zadban A nyugd\u00edjp\u00e9nzt\u00e1rak alapvet\u0151 szerepet t\u00f6ltenek be a t\u00e1rsadalom id\u0151sebb tagjainak j\u00f3l\u00e9t\u00e9ben, hiszen hossz\u00fa t\u00e1v\u00fa megtakar\u00edt\u00e1sokat kezelnek, amelyek lehet\u0151v\u00e9 teszik az emberek sz\u00e1m\u00e1ra a gondtalan nyugd\u00edjas \u00e9veket. A technol\u00f3gia fejl\u0151d\u00e9s\u00e9vel \u00e9s a digitaliz\u00e1ci\u00f3 t\u00e9rnyer\u00e9s\u00e9vel elengedhetetlenn\u00e9 v\u00e1lt a nyugd\u00edjp\u00e9nzt\u00e1rak sz\u00e1m\u00e1ra is a digit\u00e1lis transzform\u00e1ci\u00f3. Ebben a cikkben bemutatjuk a nyugd\u00edjp\u00e9nzt\u00e1rak digit\u00e1lis transzform\u00e1ci\u00f3j\u00e1nak el\u0151nyeit \u00e9s fontoss\u00e1g\u00e1t.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/dev.irf.hu\/en\/blog\/nyugdijpenztarak-digitalis-transzformacioja\/\" \/>\n<meta property=\"og:site_name\" content=\"IRF Solutions Kft.\" \/>\n<meta property=\"article:published_time\" content=\"2023-05-05T13:09:36+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-05-11T09:27:54+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/dev.irf.hu\/wp-content\/uploads\/2023\/05\/digital-transformation-01.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Norbert Varga\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Norbert Varga\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/dev.irf.hu\/blog\/nyugdijpenztarak-digitalis-transzformacioja\/\",\"url\":\"https:\/\/dev.irf.hu\/blog\/nyugdijpenztarak-digitalis-transzformacioja\/\",\"name\":\"Nyugd\u00edjp\u00e9nzt\u00e1rak digit\u00e1lis transzform\u00e1ci\u00f3ja - 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IRF Solutions Kft.","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_GB","og_type":"article","og_title":"Nyugd\u00edjp\u00e9nzt\u00e1rak digit\u00e1lis transzform\u00e1ci\u00f3ja - IRF Solutions Kft.","og_description":"El\u0151ny\u00f6k \u00e9s fontoss\u00e1g a 21. sz\u00e1zadban A nyugd\u00edjp\u00e9nzt\u00e1rak alapvet\u0151 szerepet t\u00f6ltenek be a t\u00e1rsadalom id\u0151sebb tagjainak j\u00f3l\u00e9t\u00e9ben, hiszen hossz\u00fa t\u00e1v\u00fa megtakar\u00edt\u00e1sokat kezelnek, amelyek lehet\u0151v\u00e9 teszik az emberek sz\u00e1m\u00e1ra a gondtalan nyugd\u00edjas \u00e9veket. A technol\u00f3gia fejl\u0151d\u00e9s\u00e9vel \u00e9s a digitaliz\u00e1ci\u00f3 t\u00e9rnyer\u00e9s\u00e9vel elengedhetetlenn\u00e9 v\u00e1lt a nyugd\u00edjp\u00e9nzt\u00e1rak sz\u00e1m\u00e1ra is a digit\u00e1lis transzform\u00e1ci\u00f3. Ebben a cikkben bemutatjuk a nyugd\u00edjp\u00e9nzt\u00e1rak digit\u00e1lis transzform\u00e1ci\u00f3j\u00e1nak el\u0151nyeit \u00e9s fontoss\u00e1g\u00e1t.","og_url":"https:\/\/dev.irf.hu\/en\/blog\/nyugdijpenztarak-digitalis-transzformacioja\/","og_site_name":"IRF Solutions Kft.","article_published_time":"2023-05-05T13:09:36+00:00","article_modified_time":"2023-05-11T09:27:54+00:00","og_image":[{"width":1920,"height":1080,"url":"https:\/\/dev.irf.hu\/wp-content\/uploads\/2023\/05\/digital-transformation-01.jpg","type":"image\/jpeg"}],"author":"Norbert Varga","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Norbert Varga","Estimated reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/dev.irf.hu\/blog\/nyugdijpenztarak-digitalis-transzformacioja\/","url":"https:\/\/dev.irf.hu\/blog\/nyugdijpenztarak-digitalis-transzformacioja\/","name":"Nyugd\u00edjp\u00e9nzt\u00e1rak digit\u00e1lis transzform\u00e1ci\u00f3ja - IRF Solutions Kft.","isPartOf":{"@id":"https:\/\/dev.irf.hu\/#website"},"primaryImageOfPage":{"@id":"https:\/\/dev.irf.hu\/blog\/nyugdijpenztarak-digitalis-transzformacioja\/#primaryimage"},"image":{"@id":"https:\/\/dev.irf.hu\/blog\/nyugdijpenztarak-digitalis-transzformacioja\/#primaryimage"},"thumbnailUrl":"https:\/\/dev.irf.hu\/wp-content\/uploads\/2023\/05\/digital-transformation-01.jpg","datePublished":"2023-05-05T13:09:36+00:00","dateModified":"2023-05-11T09:27:54+00:00","author":{"@id":"https:\/\/dev.irf.hu\/#\/schema\/person\/9cc8063f2d6dd07fc110297076ac9f05"},"breadcrumb":{"@id":"https:\/\/dev.irf.hu\/blog\/nyugdijpenztarak-digitalis-transzformacioja\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/dev.irf.hu\/blog\/nyugdijpenztarak-digitalis-transzformacioja\/"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/dev.irf.hu\/blog\/nyugdijpenztarak-digitalis-transzformacioja\/#primaryimage","url":"https:\/\/dev.irf.hu\/wp-content\/uploads\/2023\/05\/digital-transformation-01.jpg","contentUrl":"https:\/\/dev.irf.hu\/wp-content\/uploads\/2023\/05\/digital-transformation-01.jpg","width":1920,"height":1080},{"@type":"BreadcrumbList","@id":"https:\/\/dev.irf.hu\/blog\/nyugdijpenztarak-digitalis-transzformacioja\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Kezd\u0151lap","item":"https:\/\/dev.irf.hu\/"},{"@type":"ListItem","position":2,"name":"Nyugd\u00edjp\u00e9nzt\u00e1rak digit\u00e1lis transzform\u00e1ci\u00f3ja"}]},{"@type":"WebSite","@id":"https:\/\/dev.irf.hu\/#website","url":"https:\/\/dev.irf.hu\/","name":"IRF Solutions Kft.","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/dev.irf.hu\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-GB"},{"@type":"Person","@id":"https:\/\/dev.irf.hu\/#\/schema\/person\/9cc8063f2d6dd07fc110297076ac9f05","name":"Norbert Varga","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/dev.irf.hu\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/6d0fd1d6fc4a6fed8c99e0c1bece56ac980149aa9f359078e2907bb15d77b450?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/6d0fd1d6fc4a6fed8c99e0c1bece56ac980149aa9f359078e2907bb15d77b450?s=96&d=mm&r=g","caption":"Norbert Varga"},"sameAs":["https:\/\/dev.irf.hu"],"url":"https:\/\/dev.irf.hu\/en\/author\/norbert-varga\/"}]}},"_links":{"self":[{"href":"https:\/\/dev.irf.hu\/en\/wp-json\/wp\/v2\/posts\/4930","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dev.irf.hu\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dev.irf.hu\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dev.irf.hu\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/dev.irf.hu\/en\/wp-json\/wp\/v2\/comments?post=4930"}],"version-history":[{"count":7,"href":"https:\/\/dev.irf.hu\/en\/wp-json\/wp\/v2\/posts\/4930\/revisions"}],"predecessor-version":[{"id":5233,"href":"https:\/\/dev.irf.hu\/en\/wp-json\/wp\/v2\/posts\/4930\/revisions\/5233"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dev.irf.hu\/en\/wp-json\/wp\/v2\/media\/5100"}],"wp:attachment":[{"href":"https:\/\/dev.irf.hu\/en\/wp-json\/wp\/v2\/media?parent=4930"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dev.irf.hu\/en\/wp-json\/wp\/v2\/categories?post=4930"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dev.irf.hu\/en\/wp-json\/wp\/v2\/tags?post=4930"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}