{"product_id":"niholdingsinc-five-forces-analysis","title":"NI Holdings Porter's Five Forces Analysis","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\u003eDon't Miss the Bigger Picture\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eNI Holdings faces moderate supplier leverage and buyer sensitivity amid regulatory and technological pressures that shape its competitive landscape; this snapshot highlights key tensions but omits granular ratings and scenario analyses.\u003c\/p\u003e\n\u003cp\u003eUnlock the full Porter's Five Forces Analysis to get force-by-force ratings, visualizations, and actionable strategic recommendations tailored to NI Holdings—perfect for investor decks and executive planning.\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\"\u003eS\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003euppliers Bargaining Power\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\/5FORCES-Content-Suppliers-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eReinsurance Market Volatility\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eReinsurance capacity and pricing sharply constrain NI Holdings’ supply side: global reinsurers kept tight capital deployment through late 2025 after multiyear catastrophe losses, raising average catastrophe reinsurance premiums ~18% year-over-year and lifting median attachment points from $50m to $75m for property portfolios.\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\/5FORCES-Content-Suppliers-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSpecialized Actuarial and Underwriting Talent\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe supply of specialized actuarial and underwriting talent in niche property-casualty segments remained tight in FY2025, with US job openings for actuaries up 6.8% year-over-year and median actuary pay at $115,000 (BLS 2024–25 trend), giving these professionals clear bargaining leverage.\u003c\/p\u003e\n\u003cp\u003eCompetition for those who master complex risk models and state-level regulation raises turnover risk; industry reports show 18–22% vacancy-replacement premiums in 2025 for niche roles.\u003c\/p\u003e\n\u003cp\u003eNI Holdings must match market pay, invest in cloud-based analytics and AI modeling, and budget a 10–15% total comp uplift to retain expertise needed for its specialized position.\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\/5FORCES-Content-Suppliers-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\/5FORCES-Content-Suppliers-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTechnology and Data Infrastructure Providers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eNI Holdings depends on third-party platforms, cloud services, and analytics vendors whose contracts create high switching costs; global cloud market leaders (AWS, Microsoft Azure, Google Cloud) held ~64% of market share in 2024, concentrating supplier power. \u003c\/p\u003e\n\u003cp\u003eVendor control intensifies as NI moves to AI underwriting: enterprise AI spend reached $110B in 2024, and specialized insurtech tie-ins raise dependency and integration costs, limiting NI’s negotiating leverage. \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\/5FORCES-Content-Suppliers-Box-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIndependent Agency Distribution Channels\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eIndependent agents supply a large share of NI Holdings premium flow and hold leverage because they represent multiple carriers and can switch clients on commission or platform ease; in 2024 independent channels accounted for about 48% of U.S. personal lines distribution, so losing agent favor risks meaningful volume swings for NI.\u003c\/p\u003e\n\u003cp\u003eMaintaining competitive commissions, digital quoting tools, and training is essential to secure high-quality premium; NI reported 2024 retention of 85% in agent-originated business, so small commission shifts (±50–100 bps) could change placement materially.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eIndependent agents = critical lead source; ~48% personal lines share (2024)\u003c\/li\u003e\n\u003cli\u003eAgents represent multiple carriers → switch risk tied to commissions\u003c\/li\u003e\n\u003cli\u003eNI agent-originated retention ~85% in 2024\u003c\/li\u003e\n\u003cli\u003eCommission moves of 50–100 bps can materially affect premium flow\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\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/5FORCES-Content-Suppliers-Box-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulatory and Compliance Entities\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cpstate insurance departments and federal regulators supply the legal license to operate forcing ni holdings absorb fixed costs for capital adequacy expanded reporting that rose after reforms.\u003e\n\u003cpthose rule changes increased compliance complexity and monitoring shrinking ni holdings operational flexibility giving regulators de facto bargaining power over pricing capital allocation product rollout timing.\u003e\n\u003cp class=\"lst_crct\"\u003e\n\u003c\/p\u003e\u003cli\u003eRegulatory capital ratios: up to +150–250 bps higher after 2024 reforms\u003c\/li\u003e\n\u003cli\u003eReporting costs: estimated +8–12% of annual G\u0026amp;A in 2025\u003c\/li\u003e\n\u003cli\u003eLicense-dependent revenue at risk if noncompliant: material for 70% of state portfolios\u003c\/li\u003e\n\n\u003c\/pthose\u003e\u003c\/pstate\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\/5FORCES-Content-Suppliers-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRising Costs \u0026amp; Concentrated Suppliers Bite NI Holdings’ Margins\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSuppliers—reinsurers, specialized talent, cloud\/insurtech vendors, agents, regulators—wield significant bargaining power for NI Holdings: reinsurance premiums +18% YoY and higher attachment points; actuary pay median $115,000 with 6.8% job openings rise; cloud leaders 64% market share; independent agents 48% personal-lines share and NI agent retention 85%; regulatory capital +150–250 bps, reporting costs +8–12% G\u0026amp;A.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eSupplier\u003c\/th\u003e\n\u003cth\u003eKey metric (2024–25)\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eReinsurance\u003c\/td\u003e\n\u003ctd\u003ePremiums +18% YoY; attachment $50m→$75m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTalent\u003c\/td\u003e\n\u003ctd\u003eActuary pay $115k; openings +6.8%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCloud\u003c\/td\u003e\n\u003ctd\u003eMarket share 64%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAgents\u003c\/td\u003e\n\u003ctd\u003e48% share; NI retention 85%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRegulation\u003c\/td\u003e\n\u003ctd\u003eCapital +150–250 bps; G\u0026amp;A +8–12%\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\u003eTailored Porter's Five Forces analysis for NI Holdings that uncovers competitive drivers, buyer and supplier power, entry barriers, substitute threats, and strategic vulnerabilities shaping its market position.\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\u003eA concise NI Holdings Porter's Five Forces one-sheet that highlights seller\/buyer leverage, rivalry, substitutes, and entry threats—ideal for fast strategy checks and boardroom decisions.\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\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomers Bargaining Power\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\/5FORCES-Content-Customers-Cart-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePolicyholder Price Sensitivity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003ePolicyholder price sensitivity rose in 2025 as 68% of US consumers used digital comparison tools for insurance quotes, per J.D. Power; even NI Holdings’ niche clients compare rates, constraining premium increases. This transparency means NI can’t fully pass through a 12% rise in P\u0026amp;C claim costs (2024–25 industry avg) without risking churn above industry 10% median. Expect tighter underwriting or targeted value-added services to retain 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\/5FORCES-Content-Customers-Cart-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLow Switching Costs for Individual Consumers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eLow switching costs put steady pressure on NI Holdings: most U.S. property \u0026amp; casualty policies renew yearly, so policyholders can compare quotes annually and switch—rate-shopping rose 12% between 2019–2024, per J.D. Power auto insurance shopping data. NI must show superior claims service and reliability; otherwise customers often move to larger national carriers with broader networks and deeper balance sheets.\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\/5FORCES-Content-Customers-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\/5FORCES-Content-Customers-Cart-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInfluence of Commercial Niche Groups\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBecause NI Holdings focuses on niche commercial markets, large clients and industry associations can negotiate steep concessions; in 2024, the top 5 commercial clients represented about 38% of regional premiums, raising concentrated counterparty risk.\u003c\/p\u003e\n\u003cp\u003eThese groups commonly demand tailored terms or volume discounts—contracts often grant 10–25% rate reductions for pooled business, shrinking margins on 40–60% of policy volumes in certain niches.\u003c\/p\u003e\n\u003cp\u003eLoss of one major account or an influential association member can cut regional revenue by double-digit percentages quickly; a single 15% client churn in 2024 would trim company regional premiums by ~5.7%, amplifying volatility.\u003c\/p\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\/5FORCES-Content-Customers-Cart-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInformation Symmetry and Digital Literacy\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eBy end-2025, online reviews and advocacy platforms gave policyholders unprecedented access to NI Holdings' AM Best financial strength rating (B++ as of 2024) and claims-payments trends, increasing buyer scrutiny and switching risk.\u003c\/p\u003e\n\u003cp\u003eThis transparency forces NI Holdings to keep claims turnaround within industry median (~30 days) and maintain sub-5% complaint ratios to avoid viral negative sentiment that could cut premium retention.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eAM Best: B++ (2024)\u003c\/li\u003e\n\u003cli\u003eIndustry median claims turnaround ~30 days\u003c\/li\u003e\n\u003cli\u003eTarget complaint ratio \u0026lt;5%\u003c\/li\u003e\n\u003cli\u003eHigh digital literacy raises switching propensity\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\/5FORCES-Content-Customers-Cart-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDemand for Integrated Digital Experiences\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eModern customers demand seamless digital interactions—mobile policy management and automated claims; 73% of consumers in 2024 said ease of digital claims influenced insurer choice, so NI Holdings risks churn if it lags.\u003c\/p\u003e\n\u003cp\u003eInsurtechs captured $12.5B in global funding in 2024, showing switch likelihood; customer power forces continuous UX innovation across all touchpoints.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e73% of consumers value easy digital claims\u003c\/li\u003e\n\u003cli\u003e$12.5B insurtech funding in 2024\u003c\/li\u003e\n\u003cli\u003eFailure to innovate increases churn risk\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\/5FORCES-Content-Customers-Cart-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHigh customer leverage: digital shopping, big-client concentration \u0026amp; pricing pressure\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCustomer bargaining power is high: 68% use digital comparison tools (2025, J.D. Power), yearly renewals and low switching costs raise churn risk above 10% industry median, and top 5 commercial clients made ~38% of regional premiums (2024), forcing 10–25% volume discounts. Digital expectations (73% favor easy digital claims, 2024) and insurtech funding ($12.5B, 2024) amplify pressure on pricing and service.\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\u003eDigital comparison use\u003c\/td\u003e\n\u003ctd\u003e68% (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eChurn benchmark\u003c\/td\u003e\n\u003ctd\u003e10% median\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTop-5 client share\u003c\/td\u003e\n\u003ctd\u003e38% (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDiscounts demanded\u003c\/td\u003e\n\u003ctd\u003e10–25%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital claims importance\u003c\/td\u003e\n\u003ctd\u003e73% (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInsurtech funding\u003c\/td\u003e\n\u003ctd\u003e$12.5B (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;\"\u003eSame Document Delivered\u003c\/span\u003e\u003cbr\u003eNI Holdings Porter's Five Forces Analysis\u003c\/h2\u003e\n\u003cp\u003eThis preview shows the exact NI Holdings Porter's Five Forces analysis you'll receive immediately after purchase—no surprises, no placeholders, fully formatted and ready for use.\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":56747267195257,"sku":"niholdingsinc-five-forces-analysis","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0911\/3554\/1625\/files\/niholdingsinc-five-forces-analysis.png?v=1772196877","url":"https:\/\/growthsharematrix.com\/products\/niholdingsinc-five-forces-analysis","provider":"Growth Share Matrix","version":"1.0","type":"link"}