{"product_id":"hanafn-marketing-mix","title":"Hana Financial Group Marketing Mix","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eYour Shortcut to a Strategic 4Ps Breakdown\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eHana Financial Group leverages diversified product offerings, tiered pricing, expansive branch and digital channels, and targeted promotions to strengthen customer loyalty and market share; discover the strategic decisions behind each P. Get the full 4Ps Marketing Mix Analysis in editable, presentation-ready format—ideal for professionals, students, and consultants seeking actionable insights. Save time with expert research, real-world data, and a ready-to-use template to apply immediately.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eroduct\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/MARKETING-MIX-Content-Product-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIntegrated Digital Banking Solutions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eHana Bank’s Hana One Q app centralizes accounts, loans, deposits, and transfers in one interface, serving over 10 million users as of Dec 2025 and reducing branch visits by 38% year-on-year.\u003c\/p\u003e\n\u003cp\u003eBy late 2025 Hana Financial Group added AI-driven personal financial management (PFM) tools that analyze transactions, suggest budgets, and raised digital loan approvals by 22%.\u003c\/p\u003e\n\u003cp\u003eThe digital-first model cut average transaction time to under 90 seconds and boosted digital active-user ratio to 74% among retail customers.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/MARKETING-MIX-Content-Product-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDiversified Investment and Wealth Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eHana Securities and Hana Asset Management provide global equity trading, pension funds, and alternatives (private credit, real estate) tailored to risk tiers; combined AUM reached KRW 120 trillion in 2024, up 6% year-on-year. The group’s institutional research and trading desks support bespoke portfolios, while bank-investment synergies enable unified wealth plans for HNWIs—over 15,000 clients in the Hana Private Banking segment as of Dec 31, 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/MARKETING-MIX-Content-Product-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/MARKETING-MIX-Content-Product-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eComprehensive Insurance and Protection Plans\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eHana Life and Hana Insurance offer health, life, property, and casualty coverages, with digital-only products launched in 2024–25 cutting premiums by ~15% and reducing claim turnaround to under 7 days on average.\u003c\/p\u003e\n\u003cp\u003eBy 2025 these plans are embedded across Hana Financial Group channels—banking, wealth, and payments—driving cross-sell: insurance revenue rose 9% YoY and digital policy count topped 1.2 million.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/MARKETING-MIX-Content-Product-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSpecialized Corporate and Institutional Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cphana financial group serves corporate clients with project and trade finance plus tailored liquidity management underwriting about krw trillion in loans syndicated deals to support large-cap corporates.\u003e\n\u003cpleveraging a global network across countries hana helps korean firms expand abroad and offers fx risk tools hedging volumes reached usd billion in\u003e\n\u003cpthese institutional services sustain hana b2b leadership contributing roughly of group fee income and lowering corporate client churn to in\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eKRW 6.2 trillion corporate financing 2024\u003c\/li\u003e\n\u003cli\u003eUSD 38.7 billion FX hedging volume 2024\u003c\/li\u003e\n\u003cli\u003e22% of fee income from institutional services\u003c\/li\u003e\n\u003cli\u003e4.1% corporate client churn 2024\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pthese\u003e\u003c\/pleveraging\u003e\u003c\/phana\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/MARKETING-MIX-Content-Product-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSustainable and ESG-Linked Financial Products\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eHana Financial Group has expanded green bonds and ESG-themed funds, making ESG central to product development by late 2025 and targeting socially conscious investors.\u003c\/p\u003e\n\u003cp\u003eThese products offer preferential rates and ESG advisory; as of 2025 Hana reported over KRW 3.2 trillion in sustainable finance commitments and a 22% annual inflow into ESG funds.\u003c\/p\u003e\n\u003cp class=\"lst_crct\"\u003e\u003c\/p\u003e\n\u003cli\u003eKRW 3.2 trillion sustainable finance (2025)\u003c\/li\u003e\n\u003cli\u003e22% annual ESG fund inflow\u003c\/li\u003e\n\u003cli\u003ePreferential rates and advisory services\u003c\/li\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/MARKETING-MIX-Content-Product-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHana: 10M users, KRW120T AUM, KRW6.2T loans, KRW3.2T ESG — digital-first growth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eHana’s product mix: Hana One Q (10m users, -38% branch visits), AI PFM (22% higher digital loan approvals), digital transactions \u0026lt;90s, 74% digital active ratio; AUM KRW120T (2024), PB 15,000 HNWI; corporate loans KRW6.2T (2024), FX hedging USD38.7B (2024); sustainable finance KRW3.2T (2025), ESG inflows +22%.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eHana One Q users\u003c\/td\u003e\n\u003ctd\u003e10m (Dec 2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAUM\u003c\/td\u003e\n\u003ctd\u003eKRW120T (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorp loans\u003c\/td\u003e\n\u003ctd\u003eKRW6.2T (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eESG finance\u003c\/td\u003e\n\u003ctd\u003eKRW3.2T (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eDelivers a concise, company-specific deep dive into Hana Financial Group’s Product, Price, Place, and Promotion strategies, ideal for managers, consultants, and marketers needing a complete breakdown of Hana’s marketing positioning grounded in real brand practices and competitive context.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eSummarizes Hana Financial Group’s 4P marketing mix into a concise, leadership-ready snapshot that clarifies product, price, place, and promotion strategies for quick decision-making.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003elace\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/MARKETING-MIX-Content-Place-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOmnichannel Branch and Kiosk Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eHana Financial Group runs about 900 branches and 1,200 smart kiosks nationwide (2025), shifting many locations into lifestyle hubs that prioritize financial consulting over transactions and increase dwell time by 15–25% on client visits.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/MARKETING-MIX-Content-Place-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGlobal Financial Footprint and Expansion\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eHana Financial Group has expanded into 20+ markets, focusing on Southeast Asia, North America, and Europe, with 85 overseas branches and representative offices as of Dec 31, 2025; these local subsidiaries serve expatriates and corporates with cross-border banking, FX, and trade finance. This global network contributed 22% of consolidated revenue in 2024, helping diversify earnings and capture higher growth in emerging economies like Vietnam and the Philippines, where assets grew ~14% YoY.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/MARKETING-MIX-Content-Place-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/MARKETING-MIX-Content-Place-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAdvanced Mobile and Digital Ecosystems\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cphana financial group mobile banking ecosystem is the primary retail distribution channel serving about million monthly active users as of q4 and processing over krw trillion annually continual platform updates keep uptime above maintain iso security. this mobile-first approach cuts branch dependency reduced physical outlets by from speeding transactions lowering per-transaction costs roughly versus handling.\u003e\n\u003c\/phana\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/MARKETING-MIX-Content-Place-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrategic Fintech and Platform Partnerships\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eHana Financial Group embeds banking and payments into major domestic and global tech platforms, reaching customers inside e-commerce and social media channels and reducing traditional acquisition costs.\u003c\/p\u003e\n\u003cp\u003eThese integrations drove a 2024 increase in digital transaction volume of about 28% year‑over‑year and helped add an estimated 1.2 million platform-originated customers, lowering acquisition cost per user by roughly 35%.\u003c\/p\u003e\n\u003cp class=\"lst_crct\"\u003e\u003c\/p\u003e\n\u003cli\u003eIntegrations: e-commerce, social apps, travel platforms\u003c\/li\u003e\n\u003cli\u003e2024 digital txn growth: +28%\u003c\/li\u003e\n\u003cli\u003eNew platform users: ~1.2M (2024)\u003c\/li\u003e\n\u003cli\u003eAcquisition cost reduction: ~35%\u003c\/li\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/MARKETING-MIX-Content-Place-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSpecialized Wealth Management Centers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eHana Financial Group runs dedicated Private Banking and Gold Club centers serving high-net-worth clients, offering exclusive spaces for bespoke financial planning and wealth services.\u003c\/p\u003e\n\u003cp\u003eThese centers sit in major economic districts—Seoul Gangnam, Busan Marine City—ensuring convenient access to expert advisors and tailored investment solutions; private-banking AUM exceeded KRW 40 trillion in 2024.\u003c\/p\u003e\n\u003cp\u003eThis targeted distribution gives premium customers high-touch service for complex needs, improving retention and cross-sell: HFG reported a 12% YoY rise in affluent-client revenue in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eLocations: Gangnam, Yeouido, Busan Marine City\u003c\/li\u003e\n\u003cli\u003eServices: bespoke planning, investment, trust, estate\u003c\/li\u003e\n\u003cli\u003eAUM: \u0026gt;KRW 40 trillion (2024)\u003c\/li\u003e\n\u003cli\u003eAffluent revenue growth: +12% YoY (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/MARKETING-MIX-Content-Place-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHana Financial: 12.5M MAU, KRW200T mobile volume, +28% digital growth, AUM \u0026gt;KRW40T\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eHana Financial Group channels customers through 900 branches, 1,200 smart kiosks (2025), 12.5M mobile MAU (Q4 2025) and 85 overseas offices; digital txn volume +28% (2024), KRW 200T processed annually via mobile, private-banking AUM \u0026gt;KRW 40T (2024), affluent revenue +12% YoY, platform-originated users ~1.2M (2024), acquisition cost down ~35%.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\u003c\/td\u003e\n\u003ctd\u003e900 (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSmart kiosks\u003c\/td\u003e\n\u003ctd\u003e1,200 (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMobile MAU\u003c\/td\u003e\n\u003ctd\u003e12.5M (Q4 2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMobile volume\u003c\/td\u003e\n\u003ctd\u003eKRW 200T\/yr\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eOverseas offices\u003c\/td\u003e\n\u003ctd\u003e85 (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePrivate AUM\u003c\/td\u003e\n\u003ctd\u003e\u0026gt;KRW 40T (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital txn growth\u003c\/td\u003e\n\u003ctd\u003e+28% (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePlatform users\u003c\/td\u003e\n\u003ctd\u003e~1.2M (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAcq. cost change\u003c\/td\u003e\n\u003ctd\u003e-35% (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eFull Version Awaits\u003c\/span\u003e\u003cbr\u003eHana Financial Group 4P's Marketing Mix Analysis\u003c\/h2\u003e\n\u003cp\u003eThe preview shown here is the actual Hana Financial Group 4P's Marketing Mix document you’ll receive instantly after purchase—fully complete, editable, and ready for immediate use with no surprises.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e","brand":"MatrixBCG","offers":[{"title":"Default Title","offer_id":56750941241721,"sku":"hanafn-marketing-mix","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0911\/3554\/1625\/files\/hanafn-marketing-mix.png?v=1772226805","url":"https:\/\/growthsharematrix.com\/products\/hanafn-marketing-mix","provider":"Growth Share Matrix","version":"1.0","type":"link"}