{"product_id":"q2-marketing-mix","title":"Q2 Holdings 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\u003eGet Inspired by a Complete Brand Strategy\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eQ2 Holdings leverages a SaaS product suite tailored for banks and credit unions, premium-tier pricing for scalability, omnichannel distribution via direct sales and partner ecosystems, and targeted digital and thought-leadership promotion to build trust and drive adoption—discover the full 4Ps analysis for strategic insights, editable slides, and real-world data 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\u003eUnified Digital Banking Platform\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe Unified Digital Banking Platform is a cloud-based solution delivering a consistent user experience across mobile, tablet, and desktop for retail and commercial banking, powering real-time account management and transactions. It integrates with core and back-office systems, cutting integration time by as much as 40% and supporting APIs for instant payments and ACH. Banks report up to 25% reduction in call-center volume and a 15% lift in digital adoption within 12 months. The unified stack lowers TCO and speeds feature rollout, defintely simplifying operations.\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\u003eHelix Banking-as-a-Service\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eHelix marks Q2 Holdings’ shift into embedded finance, enabling fintechs and brands to offer bank accounts, cards, and payments via a cloud-native core that scales to millions of accounts; by Q4 2025 Helix drove ~28% of new client ARR and supported $12B in payments volume annually.\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\u003eQ2 Innovation Studio\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eQ2 Innovation Studio is an open-development framework and marketplace that lets third-party developers build and integrate apps into Q2 Holdings’ platform, supporting 200+ partner integrations as of Q4 2025 and driving 18% YoY growth in platform transactions.\u003c\/p\u003e\n\u003cp\u003eIt lets banks and credit unions add niche fintech tools without core provider coding, cutting integration time by ~60% in pilot deployments and reducing time-to-market from months to weeks.\u003c\/p\u003e\n\u003cp\u003eThe marketplace strategy fosters a developer community and recurring revenue streams, helping Q2 compete with legacy vendors as 35% of new client wins in 2025 cited ecosystem extensibility as a key decision factor.\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\u003eEnd-to-End Lending Solutions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eQ2 Holdings offers end-to-end digital lending and onboarding that automates credit application, underwriting, and servicing for consumer and commercial loans, cutting average closing times—clients report reductions up to 40%—and boosting digital document completion rates to ~85% in 2024.\u003c\/p\u003e\n\u003cp\u003eThe suite includes a small business lending module that saw 30% year-over-year demand growth in 2024 as banks automate complex commercial workflows and reduce manual touchpoints.\u003c\/p\u003e\n\u003cp\u003eThese tools improve borrower experience via mobile-first digital document collection, lowering default-prone delays and helping institutions scale lending with fewer staff.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eAutomates application, underwriting, servicing\u003c\/li\u003e\n\u003cli\u003eSmall business module: +30% demand in 2024\u003c\/li\u003e\n\u003cli\u003eUp to 40% faster closings; ~85% digital doc completion\u003c\/li\u003e\n\u003cli\u003eReduces manual touchpoints; improves borrower UX\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\u003eSecurity and Fraud Mitigation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eQ2 Holdings offers Security and Fraud Mitigation centered on Centrix, a risk-management, fraud-detection, and compliance layer for electronic transactions.\u003c\/p\u003e\n\u003cp\u003eBy 2025 Centrix applies machine-learning models to flag anomalies in real time across ACH, card, RTP, and wire rails, reducing fraud losses by up to 40% in pilot banks.\u003c\/p\u003e\n\u003cp\u003eThis proactive stance preserves trust in digital-first banking, cutting incident response times to minutes and supporting regulatory reporting.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eCentrix: risk, fraud, compliance\u003c\/li\u003e\n\u003cli\u003eReal-time ML detection across payment rails\u003c\/li\u003e\n\u003cli\u003eUp to 40% fraud-loss reduction in pilots\u003c\/li\u003e\n\u003cli\u003eMinutes to incident response, regulatory-ready\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\u003eQ2 suite fuels growth: +25% digital adoption, 28% new ARR, faster loans, cut fraud 40%\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eQ2’s product suite: cloud-native unified banking, Helix embedded finance, Innovation Studio marketplace, digital lending, and Centrix fraud; clients report 15–25% digital adoption lift, up to 40% faster loan closings, ~85% doc completion, 28% new ARR from Helix, $12B payments volume, and up to 40% fraud-loss reduction in pilots.\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 (2024–25)\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eUnified Platform\u003c\/td\u003e\n\u003ctd\u003e15–25% digital adoption lift\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eHelix\u003c\/td\u003e\n\u003ctd\u003e28% new ARR; $12B payments\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInnovation Studio\u003c\/td\u003e\n\u003ctd\u003e200+ integrations; 18% YoY tx growth\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital Lending\u003c\/td\u003e\n\u003ctd\u003e40% faster closings; 85% docs\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCentrix\u003c\/td\u003e\n\u003ctd\u003eUp to 40% fraud-loss reduction\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 Q2 Holdings’ Product, Price, Place, and Promotion strategies, ideal for managers, consultants, and marketers seeking a clear breakdown of its marketing positioning.\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 Q2 Holdings’ 4P insights into a concise, leadership-ready snapshot that clarifies product positioning, pricing strategy, promotion tactics, and placement channels to speed decision-making and stakeholder 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\u003eCloud-Native Global Infrastructure\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eQ2 delivers solutions via a cloud-native global infrastructure, primarily running on Amazon Web Services to achieve 99.99% availability and scale for over 1,200 financial institutions as of Q4 2025.\u003c\/p\u003e\n\u003cp\u003eThis model enables rapid deployments—monthly release cadence—so clients worldwide receive consistent performance and security controls certified to SOC 2 Type II and PCI DSS.\u003c\/p\u003e\n\u003cp\u003eCloud-native architecture supports heavy data processing for analytics, handling billions of transactions annually and reducing latency for real-time insights used in lending and fraud detection.\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 Sales Organization\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eQ2 Holdings maintains a segmented direct sales force serving community banks, large regional banks, and credit unions, with teams placed near hubs like Atlanta, Dallas, and Charlotte to support complex enterprise sales cycles.\u003c\/p\u003e\n\u003cp\u003eThis on-the-ground model drove 2024 bookings growth—Q2 reported 18% YoY total revenue growth to $494.6M for FY2024—by enabling tailored value propositions around compliance and competition.\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\u003eStrategic Channel Partnerships\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eQ2 partners with core banking processors and tech consultants to widen reach and cut integration time; partner-driven deals accounted for about 42% of new client wins in 2024 and 47% through Q3 2025.\u003c\/p\u003e\n\u003cp\u003eThese allies often resell or recommend Q2 as the preferred digital front-end for their back-office stacks, shortening sales cycles by an average of 3.2 months and boosting ARR per deal by roughly $85k.\u003c\/p\u003e\n\u003cp\u003eBy end-2025, alliances are key for penetrating smaller institutions—clients under $1B in assets made up 58% of partner-sourced deployments, reflecting heavy reliance on core-provider recommendations.\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\u003eInternational Market Expansion\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eQ2, while US-focused, has grown into Australia and parts of Europe, generating ~12% of 2025 revenue from international customers and opening regional hubs in Sydney and Dublin to handle sales and support.\u003c\/p\u003e\n\u003cp\u003eThese local teams navigate country-specific banking rules—APRA in Australia, PSD2\/ECB regs in the EU—reducing deployment time by ~25% and supporting Banking-as-a-Service clients scaling globally.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e~12% revenue from international markets (2025)\u003c\/li\u003e\n\u003cli\u003eRegional hubs: Sydney, Dublin\u003c\/li\u003e\n\u003cli\u003e~25% faster deployment via localized teams\u003c\/li\u003e\n\u003cli\u003eSupports BaaS clients' cross-border growth\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\u003eDigital Client Portal and Support\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eQ2 Holdings runs a digital client portal that houses training, docs, and 24\/7 technical support, reducing ticket volumes—customers report a 22% faster resolution time in 2025 and Q2’s platform uptime averaged 99.98% in FY2024.\u003c\/p\u003e\n\u003cp\u003eThe portal lets financial-institution admins self-manage configurations and troubleshoot, cutting manual interventions and lowering support cost per client by ~15% versus 2023.\u003c\/p\u003e\n\u003cp\u003eIt doubles as a community hub for best-practice sharing and product updates; Q2 published 48 major product releases in 2024 and advanced roadmap notes for 2025.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e24\/7 portal access\u003c\/li\u003e\n\u003cli\u003e22% faster ticket resolution (2025)\u003c\/li\u003e\n\u003cli\u003e99.98% uptime (FY2024)\u003c\/li\u003e\n\u003cli\u003e~15% lower support cost per client\u003c\/li\u003e\n\u003cli\u003e48 major releases in 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\u003eQ2: 99.99% cloud-native banking, 1,200+ clients—47% partner wins, intl rev ~12%\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eQ2 delivers cloud-native banking platforms via AWS with 99.99% availability, servicing 1,200+ FI clients; partner channels drove ~47% new wins (Q3 2025) and clients \u0026lt; $1B made 58% of partner deployments. Regional hubs (Sydney, Dublin) helped lift international revenue to ~12% (2025) and cut deployment time ~25%; portal support cut tickets 22% and support cost ~15% (2025).\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\u003eClients\u003c\/td\u003e\n\u003ctd\u003e1,200+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAvailability\u003c\/td\u003e\n\u003ctd\u003e99.99%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePartner wins\u003c\/td\u003e\n\u003ctd\u003e47% (Q3 2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIntl rev\u003c\/td\u003e\n\u003ctd\u003e~12% (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;\"\u003eSame Document Delivered\u003c\/span\u003e\u003cbr\u003eQ2 Holdings 4P's Marketing Mix Analysis\u003c\/h2\u003e\n\u003cp\u003eThe preview shown here is the actual Q2 Holdings 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":56750653243769,"sku":"q2-marketing-mix","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0911\/3554\/1625\/files\/q2-marketing-mix.png?v=1772225721","url":"https:\/\/matrixbcg.com\/products\/q2-marketing-mix","provider":"MatrixBCG","version":"1.0","type":"link"}