{"product_id":"migdal-marketing-mix","title":"Migdal Insurance 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\u003eBuilt for Strategy. Ready in Minutes.\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eMigdal Insurance blends product diversification, tiered pricing, targeted distribution, and personalized promotion to secure market share in Israel’s competitive insurance sector; this summary highlights the strategic links but only scratches the surface.\u003c\/p\u003e\n\u003cp\u003ePurchase the full 4P’s Marketing Mix Analysis for an editable, presentation-ready report that breaks down product lines, pricing architecture, channel effectiveness, and campaign ROI with real-world data and actionable recommendations.\u003c\/p\u003e\n\u003cp\u003eSave hours of research—use the complete analysis for benchmarking, client work, or strategic planning and apply Migdal’s proven tactics to your own business model.\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\u003eLife Insurance and Long-Term Savings\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMigdal offers life insurance products that mix risk cover with long-term savings, serving mortality, disability, and loss-of-earnings needs; by end-2025 it added flexible investment tracks—clients can allocate among equity, bond, and CPI-linked options with target mixes from 20%–80%. Actuarial upgrades in 2025 cut reserve volatility by ~15%, keeping pricing competitive in Israel’s TLV market where Migdal held ~20% life-market share in 2024.\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\u003ePension and Provident Fund Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMigdal is a pillar of Israel’s retirement market, managing over NIS 230 billion in pension and provident assets for hundreds of thousands of employees and self‑employed clients as of 2025, prioritizing long‑term yield via professional asset management and strict compliance with Israeli regulator requirements.\u003c\/p\u003e\n\u003cp\u003eBy late 2025 Migdal launched ESG‑focused tracks targeting younger savers, and offers digital tools that let members track projected retirement income in real time, support contribution scenarios, and view fund performance and fees. \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 Health and Nursing Care\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMigdal offers broad health insurance covering private surgeries, transplants, and high-cost drugs excluded from Israel’s public basket, with claims payouts rising 12% in 2024 to ₪1.2bn, reflecting higher utilization of specialty care.\u003c\/p\u003e\n\u003cp\u003eThe suite includes long-term care insurance that paid ₪180m in benefits in 2024, providing nursing-assistance cash and in-kind services for chronic dependency.\u003c\/p\u003e\n\u003cp\u003eIn 2025 Migdal added telemedicine and digital health monitoring, boosting virtual consults 35% year‑on‑year and lowering per-claim costs; policy retention for these plans improved to 88%.\u003c\/p\u003e\n\u003cp\u003eThis combined financial protection plus proactive digital care aims to reduce acute admissions and total cost of care while enhancing member engagement and lifetime value.\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\u003eGeneral and Property Insurance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cpmigdal general insurance covers motor homeowners and travel using data analytics to tailor premiums behavior risk in it sold modular policies israel up yoy with average premium nis\u003e\n\u003cpthe modular add-ons let customers toggle protections like cyber-risk for home offices boosting cross-sell rate to and reducing claim severity by through better risk selection.\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e220,000 modular policies (2025)\u003c\/li\u003e\n\u003cli\u003eAverage premium NIS 1,350\u003c\/li\u003e\n\u003cli\u003eCross-sell rate 27%\u003c\/li\u003e\n\u003cli\u003eClaim severity down 9%\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pthe\u003e\u003c\/pmigdal\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\u003eCommercial and Corporate Risk Solutions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eMigdal offers tailored commercial and corporate insurance covering complex industrial risks, professional liability, and directors \u0026amp; officers (D\u0026amp;O) protection, serving both large enterprises and SMEs with policies that reduce exposure to legal claims and operational disruptions.\u003c\/p\u003e\n\u003cp\u003eThe firm pairs these products with specialized consulting to identify industry-specific risks and mitigation steps; by 2025 Migdal is expanding climate-related cover and comprehensive cyber-security insurance, reflecting a 27% year-on-year rise in corporate cyber claims globally (2024–25).\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eTailored industrial, professional liability, D\u0026amp;O\u003c\/li\u003e\n\u003cli\u003eConsulting-led risk identification and mitigation\u003c\/li\u003e\n\u003cli\u003eClimate risk and cyber coverage focus by 2025\u003c\/li\u003e\n\u003cli\u003eCorporate cyber claims up ~27% YoY (2024–25)\u003c\/li\u003e\n\u003c\/ul\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\u003eMigdal 2025: NIS230bn pensions, 220k modular policies, premiums NIS1,350, claims −9%\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMigdal’s product mix (2025): life with flexible investment tracks (20–80% allocation), NIS 230bn pensions AUM, health claims ₪1.2bn (2024), long‑term care payouts ₪180m (2024), 220,000 modular general policies (2025), avg premium NIS 1,350, cross‑sell 27%, claim severity −9%.\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\u003ePensions AUM\u003c\/td\u003e\n\u003ctd\u003eNIS 230bn (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eHealth claims\u003c\/td\u003e\n\u003ctd\u003e₪1.2bn (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLTC payouts\u003c\/td\u003e\n\u003ctd\u003e₪180m (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eModular policies\u003c\/td\u003e\n\u003ctd\u003e220,000 (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAvg premium\u003c\/td\u003e\n\u003ctd\u003eNIS 1,350\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCross‑sell rate\u003c\/td\u003e\n\u003ctd\u003e27%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eClaim severity\u003c\/td\u003e\n\u003ctd\u003e−9%\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 Migdal Insurance’s Product, Price, Place, and Promotion strategies, ideal for managers, consultants, and marketers seeking a structured breakdown of the firm’s marketing positioning grounded in real 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\u003eCondenses Migdal Insurance's 4P insights into a high-level, at-a-glance view to streamline leadership briefings and cross-functional alignment.\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\u003eIndependent Insurance Agent Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe primary distribution channel for Migdal is its network of ~6,000 independent insurance agents across Israel, who serve as intermediaries offering personalized advice and product navigation for life, health, and pension products.\u003c\/p\u003e\n\u003cp\u003eMigdal is upgrading agent tools with a digital interface rollout through late 2025 to speed underwriting and claims, targeting a 30% reduction in processing time and a 15% boost in cross-sell rates.\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\u003eDirect Digital Sales Platforms\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMigdal expanded direct-to-consumer digital channels, enabling instant purchase of travel and car insurance via a streamlined website and mobile app; conversion rates reportedly rose to ~8% in 2024 and online sales comprised 32% of new retail policies by Q4 2025.\u003c\/p\u003e\n\u003cp\u003eThe platforms deliver instant quotes and immediate policy issuance with automated underwriting, and by end-2025 served as the primary policy-management hub where users update details and file claims, appealing to tech-savvy self-service customers.\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\u003eCorporate and Institutional Partnerships\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cpa substantial portion of migdal revenue is driven by collective agreements with large employers labor unions and professional associations covering roughly its institutional savings inflows. these partnerships let offer group insurance pension schemes at lower rates streamlined enrollment boosting uptake about year-over-year. dedicated account teams manage clients keeping retention above supporting leading market share in the sector.\u003e\n\u003c\/pa\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\u003eRegional Service Centers and Branches\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eMigdal keeps regional service centers in major Israeli cities to handle complex claims, offer face-to-face consultations for high-net-worth clients, and support local agents while digital channels expand.\u003c\/p\u003e\n\u003cp\u003eThese centers preserve accessibility for less digital customers and in 2025 run financial literacy and retirement seminars, reaching an estimated 12,000 attendees nationwide that year.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eHubs: claims, HNW advice, agent support\u003c\/li\u003e\n\u003cli\u003eAccessibility: serves less-digital clients\u003c\/li\u003e\n\u003cli\u003e2025: ~12,000 seminar attendees\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\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\u003eBanking and Financial Intermediaries\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eMigdal partners with major Israeli banks to distribute mortgage-linked life insurance and credit-protection products, reaching customers at loan origination when purchase intent is highest. In 2024 Migdal sourced an estimated 28% of new individual life policies via banking channels, cutting average approval time from 8 to 3 days through API integration. This embeds Migdal offers into bank workflows and boosts cross-sell rates.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e28% of new life policies (2024)\u003c\/li\u003e\n\u003cli\u003eApproval time down 62% (8→3 days)\u003c\/li\u003e\n\u003cli\u003ePrimary touchpoint: mortgage origination\u003c\/li\u003e\n\u003cli\u003eAPI-based data exchange with banks\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\u003eMigdal boosts multi‑channel sales: digital 32% retail, banks 28%, 6,000 agents\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMigdal sells via ~6,000 agents, direct digital channels (32% of new retail policies by Q4 2025), institutional partnerships (~40% of institutional savings inflows) and bank APIs (28% of new life policies in 2024; approval time 8→3 days); regional centers support HNW and less-digital clients and ran ~12,000 seminars in 2025.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eChannel\u003c\/th\u003e\n\u003cth\u003e2024–25 KPI\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eAgents\u003c\/td\u003e\n\u003ctd\u003e~6,000\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital\u003c\/td\u003e\n\u003ctd\u003e32% new retail (Q4 2025), 8% conv.\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInstitutional\u003c\/td\u003e\n\u003ctd\u003e~40% inflows\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBanks\u003c\/td\u003e\n\u003ctd\u003e28% new life (2024); approval 8→3 days\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCenters\u003c\/td\u003e\n\u003ctd\u003e12,000 seminars (2025)\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;\"\u003eWhat You See Is What You Get\u003c\/span\u003e\u003cbr\u003eMigdal Insurance 4P's Marketing Mix Analysis\u003c\/h2\u003e\n\u003cp\u003eThe preview shown here is the actual Migdal Insurance 4P's Marketing Mix Analysis you’ll receive instantly after purchase—fully complete, editable, and ready to 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":56750878753145,"sku":"migdal-marketing-mix","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0911\/3554\/1625\/files\/migdal-marketing-mix.png?v=1772226625","url":"https:\/\/growthsharematrix.com\/products\/migdal-marketing-mix","provider":"Growth Share Matrix","version":"1.0","type":"link"}