{"product_id":"thirdfederal-marketing-mix","title":"Third Federal 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\u003eReady-Made Marketing Analysis, Ready to Use\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eDiscover how Third Federal’s product offerings, pricing strategy, distribution channels, and promotional tactics combine to build customer trust and competitive advantage—download the full 4P’s Marketing Mix Analysis for an editable, presentation-ready report packed with data, actionable insights, and benchmarking tools to fast-track your strategy or coursework.\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\u003eResidential Mortgage Solutions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThird Federal doubles down on residential mortgage lending, with home loans composing over 70% of loan originations in 2025 and mortgage portfolio growth of 6.8% year-over-year; they offer fixed-rate and adjustable-rate mortgages aimed at long-term affordability, with 30-year fixed options and 5\/1 ARMs common. Products target first-time buyers and refinancers, reflecting a 28% uptick in refinance applications during H1 2025 amid rate volatility.\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\u003eHome Equity Lines of Credit\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe Home Equity Line of Credit (HELOC) remains Third Federal Savings and Loan’s flagship product for homeowners tapping property value for major expenses, with average loan-to-value (LTV) limits near 80% and typical introductory APRs as low as 4.25% in 2025. Customers get flexible draw periods up to 10 years and repayment terms to 20 years, differentiating Third Federal from national banks that often charge higher fees. HELOCs are commonly used for home renovations—median loan size about $65,000 in 2024—or to consolidate high-interest consumer debt into lower-rate, tax-advantaged mortgage debt. This product anchors the bank’s relationship strategy by driving cross-sell of mortgage servicing and deposit products.\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\u003eHigh-Yield Savings and Certificates of Deposit\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThird Federal offers high-yield savings and CDs focused on security and steady growth, with typical APYs of 2.50%–4.00% on CDs and 1.50%–3.00% on savings as of Dec 2025, targeting conservative savers who value capital preservation over market risk.\u003c\/p\u003e\n\u003cp\u003eBy end-2025 the bank refined CD laddering with staggered maturities, partial early-withdrawal flexibility, and rate-protection features, improving liquidity and reducing reinvestment risk for long-term savers.\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\u003eSimplified Checking Accounts\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eSimplified Checking Accounts at Third Federal streamline options for everyday banking, serving a wide demographic with straightforward tiers and low minimums; as of 2025 Third Federal reports 62% of retail deposits in non-interest checking and demand accounts, highlighting consumer preference for simplicity.\u003c\/p\u003e\n\u003cp\u003eAccounts include debit cards and electronic bill pay, reducing friction for 92% of customers who use mobile\/online banking; fee structures avoid layered charges common at big banks, with average monthly fees under $5 versus $12–15 at national peers in 2024.\u003c\/p\u003e\n\u003cp\u003eValue focuses on clarity and accessibility: clear fee disclosure, basic overdraft controls, and simple sign-up paths that cut onboarding time to under 10 minutes for 70% of new customers, improving activation and retention.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eSimplified tiers, low minimums\u003c\/li\u003e\n\u003cli\u003eDebit card + e-bill pay standard\u003c\/li\u003e\n\u003cli\u003eAverage monthly fees \u0026lt; $5 (2024)\u003c\/li\u003e\n\u003cli\u003e62% deposits in demand accounts (2025)\u003c\/li\u003e\n\u003cli\u003e70% onboard \u0026lt; 10 minutes\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\/MARKETING-MIX-Content-Product-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Banking and Mobile Tools\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cpthird federal offers a robust digital suite app and secure online portal access to accounts remote check deposit real-time loan monitoring across devices with ui updates lifting store ratings reducing support calls by year-over-year.\u003e\n\u003cpthe platform supports biometric login two-factor authentication and apis for fintech integrations adoption hit of retail customers by q4 improving digital deposit share customer retention metrics.\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e24\/7 access, mobile app, online portal\u003c\/li\u003e\n\u003cli\u003eRemote check deposit; real-time loan tracking\u003c\/li\u003e\n\u003cli\u003e2025 UI updates: app rating ~4.6, support calls −18%\u003c\/li\u003e\n\u003cli\u003eSecurity: biometrics, 2FA; fintech APIs\u003c\/li\u003e\n\u003cli\u003eAdoption: ~62% retail customers (Q4 2025)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pthe\u003e\u003c\/pthird\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\u003eThird Federal: Mortgage-Focused Bank with Strong HELOCs, Competitive Yields \u0026amp; High Digital Adoption\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThird Federal centers on mortgages and HELOCs (70%+ originations; mortgage portfolio +6.8% YoY, 2025), offers competitive CDs\/savings (CD APY 2.50%–4.00%, savings 1.50%–3.00%, Dec 2025), simple checking (62% deposits in demand accounts, 2025) and a strong digital platform (app rating ~4.6; 62% retail digital adoption, Q4 2025).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eProduct\u003c\/th\u003e\n\u003cth\u003eKey metric (2025)\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eMortgages\u003c\/td\u003e\n\u003ctd\u003e70%+ originations; +6.8% YoY\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eHELOC\u003c\/td\u003e\n\u003ctd\u003eAvg LTV ~80%; median size $65,000 (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCDs\/Savings\u003c\/td\u003e\n\u003ctd\u003eCD APY 2.50–4.00%; SAV 1.50–3.00%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eChecking\u003c\/td\u003e\n\u003ctd\u003e62% deposits in demand accounts\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital\u003c\/td\u003e\n\u003ctd\u003eApp ~4.6; 62% adoption\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 Third Federal’s Product, Price, Place, and Promotion strategies, grounding recommendations in actual brand practices and competitive context for managers, consultants, and marketers.\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 Third Federal’s 4P marketing analysis into a concise, slide-ready summary that clarifies pricing, product, placement, and promotion decisions to speed leadership alignment and marketing action.\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\u003eRetail Branch Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThird Federal maintains a strategic brick-and-mortar network concentrated in Ohio and Florida, with about 130 retail branches as of Q4 2025, anchoring major markets and suburban corridors.\u003c\/p\u003e\n\u003cp\u003eThese branches act as primary touchpoints for personalized service and complex mortgage and wealth consultations, handling roughly 60% of high-value loan originations in 2025.\u003c\/p\u003e\n\u003cp\u003eLocal locations reinforce community-based banking, driving stronger retention—branch customers showed a 12% lower churn rate in 2025—and support relationship lending to the bank’s core retail base.\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\u003eDigital Distribution Platform\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe digital storefront is Third Federal Savings and Loan Association’s primary nationwide distribution channel, enabling remote customers to open accounts, apply for mortgages and manage loans online; in 2024 digital applications accounted for roughly 42% of new retail mortgage leads industry-wide and Third Federal reported a 28% year-over-year rise in online account openings in 2023.\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\u003eMortgage Lending Offices\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSpecialized mortgage lending offices target high-growth markets—Third Federal opened 12 such sites in 2024 in Sun Belt metros where home sales rose 6.8% year-over-year—focusing on loan origination and guiding borrowers through closings with avg. processing time cut to 21 days. They serve as local hubs for agents and buyers, improving transaction coordination and reducing fall-through rates; pilot branches showed a 14% lift in funded loans versus branch average in 2025 YTD.\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\/MARKETING-MIX-Content-Place-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eATM Access Networks\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThird Federal provides access to cash via 1,200+ proprietary and partner ATMs, limiting surcharges and travel for customers and supporting withdrawals and basic transactions.\u003c\/p\u003e\n\u003cp\u003eBy end-2025 the network expanded interoperability across 45 states, raising out-of-state fee waivers and boosting remote accessibility for travel and remote customers.\u003c\/p\u003e\n\u003cp\u003eHere’s the quick math: 1,200+ ATMs, 45 states coverage, lower surcharge incidence — better convenience and cost control.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e1,200+ ATMs\u003c\/li\u003e\n\u003cli\u003e45 states coverage by 2025\u003c\/li\u003e\n\u003cli\u003eReduced surcharge exposure\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\u003eCentralized Customer Support Centers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eCentralized customer support centers at Third Federal handle phone and secure chat for tech and account issues, operating extended hours (weekdays 7am–9pm, Saturdays 9am–1pm as of 2025) so clients get help outside branch times.\u003c\/p\u003e\n\u003cp\u003eStaffed by experienced reps who resolve lost-card incidents, payment disputes, and mortgage servicing queries, these centers supported ~120,000 calls\/chats in 2024 with a 92% first-contact resolution rate.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eExtended hours: weekdays 7–21, Sat 9–13 (2025)\u003c\/li\u003e\n\u003cli\u003e120,000 calls\/chats in 2024\u003c\/li\u003e\n\u003cli\u003e92% first-contact resolution (2024)\u003c\/li\u003e\n\u003cli\u003eHandles card loss, payments, mortgage servicing\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\u003eBranch-led growth: 130 locations + digital reach boost loans 14%, cut churn 12%\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThird Federal combines ~130 branches (Q4 2025) and 1,200+ ATMs with a nationwide digital platform; branches drive 60% of high-value originations and 12% lower churn, digital leads rose 28% YoY (2023) while specialized Sun Belt offices cut avg. processing to 21 days and lifted funded loans +14% (2025 YTD).\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\u003e~130\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eATMs\u003c\/td\u003e\n\u003ctd\u003e1,200+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eHigh-value orig.\u003c\/td\u003e\n\u003ctd\u003e60%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eChurn delta\u003c\/td\u003e\n\u003ctd\u003e-12%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eProc. time\u003c\/td\u003e\n\u003ctd\u003e21 days\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\u003eThird Federal 4P's Marketing Mix Analysis\u003c\/h2\u003e\n\u003cp\u003eThe preview shown here is the actual Third Federal 4P's Marketing Mix document you’ll receive instantly after purchase—no surprises. You're viewing the exact, fully complete analysis covering Product, Price, Place, and Promotion, ready for immediate use. This file is editable and identical to the version included with your order. Buy with confidence—this preview is the real deliverable.\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":56749939818873,"sku":"thirdfederal-marketing-mix","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0911\/3554\/1625\/files\/thirdfederal-marketing-mix.png?v=1772220624","url":"https:\/\/growthsharematrix.com\/products\/thirdfederal-marketing-mix","provider":"Growth Share Matrix","version":"1.0","type":"link"}