{"product_id":"shizuoka-fg-business-model-canvas","title":"Shizuoka Financial Group Business Model Canvas","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\u003eShizuoka Financial Group: Business Model Canvas \u0026amp; Templates for Investors and Strategists\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eUnlock the full strategic blueprint behind Shizuoka Financial Group’s business model — this in-depth Business Model Canvas reveals how the bank creates value, manages risk, and captures market share across retail, corporate, and regional segments; perfect for investors, consultants, and strategists seeking actionable insights and ready-to-use Word\/Excel templates to benchmark or adapt.\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\"\u003eartnerships\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\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrategic Alliance with Monex Group\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe group’s deep capital and business alliance with Monex Group, initiated with a 2018 stake increase and expanded in 2021, strengthens online securities and asset management; Monex’s platforms helped Shizuoka Financial Group grow retail brokerage assets under custody to about ¥3.2 trillion by FY2024.\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\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTSUBASA Alliance Participation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eAs a TSUBASA Alliance member, Shizuoka Financial Group shares system-development costs and ops expertise with nine major regional banks, cutting estimated core banking modernization expenses by about 30% and lowering per-bank capex by roughly ¥6–8 billion through FY2024 collaborations.\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\/CANVAS-Content-Partnerships-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\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLocal Government and Municipalities\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eShizuoka Financial Group partners with Shizuoka Prefecture and 35+ municipalities to co-finance urban redevelopment and startup accelerators, channeling ¥42.3 billion in public-private loans from 2022–2024 to regional SMEs and infrastructure. Aligning with prefectural targets, these ties reinforced the group’s role as a fiscal anchor—about 18% of its FY2024 domestic lending supported municipal-backed projects.\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\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFinTech and Technology Providers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eCollaborations with FinTech firms let Shizuoka Financial Group integrate AI-driven credit scoring and mobile payments, cutting onboarding time by up to 40% in pilot projects and supporting digital transactions that grew 28% year-on-year in FY2024.\u003c\/p\u003e\n\u003cp\u003eThis ecosystem approach meets younger customers’ needs—digital adoption among 20–39-year-olds reached 62% in 2024—and lets the bank offer advanced services without full internal development.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eAI scoring: faster approvals, lower NPLs\u003c\/li\u003e\n\u003cli\u003eMobile payments: +28% FY2024 volume\u003c\/li\u003e\n\u003cli\u003eDigital adoption: 62% ages 20–39 (2024)\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\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCorporate Supply Chain Partners\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe group partners with large Shizuoka manufacturers to fund entire supply chains, extending credit and cash-management to subcontractors and vendors; in 2024 this network supported roughly ¥450 billion in supply-chain lending, stabilizing regional industry and reducing default rates by about 0.6 percentage points.\u003c\/p\u003e\n\u003cp\u003eThese ties generate exclusive lending windows and tailored corporate-banking services, with corporate deposits from partner-linked firms reaching ¥1.1 trillion in FY2024 and driving cross-sell revenue growth near 8% year-over-year.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e¥450 billion supply-chain lending (2024)\u003c\/li\u003e\n\u003cli\u003e¥1.1 trillion partner-linked deposits (FY2024)\u003c\/li\u003e\n\u003cli\u003e0.6 ppt lower default rate vs market (2024)\u003c\/li\u003e\n\u003cli\u003e~8% cross-sell revenue growth YoY\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\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eShizuoka Financial Group scales growth via partnerships: Monex, TSUBASA, fintechs, supply-chain\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eShizuoka Financial Group leverages partnerships—Monex (retail brokerage: ~¥3.2T AUC FY2024), TSUBASA Alliance (≈30% lower core-banking capex; −¥6–8B per bank through FY2024), public-private loans (¥42.3B 2022–24), fintechs (onboarding −40%; digital tx +28% YoY FY2024), and supply-chain lending (¥450B; ¥1.1T partner deposits; −0.6ppt default; +8% cross-sell YoY).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003ePartner\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eMonex\u003c\/td\u003e\n\u003ctd\u003eAssets under custody (AUC)\u003c\/td\u003e\n\u003ctd\u003e¥3.2 trillion (FY2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTSUBASA Alliance\u003c\/td\u003e\n\u003ctd\u003eCore banking capex reduction\u003c\/td\u003e\n\u003ctd\u003e≈30% (−¥6–8B per bank)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePublic-private loans\u003c\/td\u003e\n\u003ctd\u003eLoans to SMEs\/infrastructure\u003c\/td\u003e\n\u003ctd\u003e¥42.3 billion (2022–24)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFinTechs\u003c\/td\u003e\n\u003ctd\u003eOnboarding \/ digital tx\u003c\/td\u003e\n\u003ctd\u003e−40% time \/ +28% tx (FY2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eManufacturers\u003c\/td\u003e\n\u003ctd\u003eSupply-chain lending \/ deposits\u003c\/td\u003e\n\u003ctd\u003e¥450B lending; ¥1.1T deposits (FY2024)\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\u003eA concise, pre-written Business Model Canvas for Shizuoka Financial Group detailing customer segments, channels, value propositions, revenue streams, key resources, activities, partnerships, cost structure, and governance—aligned with real-world operations and strategic goals to support presentations, investor discussions, and internal planning with linked SWOT insights and competitive analysis.\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 Shizuoka Financial Group’s strategy into a digestible one-page Business Model Canvas, saving hours of structuring and enabling quick team collaboration and board-ready presentations.\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\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\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\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCore Banking and Lending Operations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe group’s core banking runs regional deposits and diversified loans: mortgages, consumer credit, and large corporate financing for Shizuoka’s manufacturers and logistics firms; loans accounted for ¥11.8 trillion assets under management at FY2024-end. The bank targets a loan-to-deposit ratio near 70% and enforces strict credit risk checks—non-performing loan ratio was 0.64% in FY2024.\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\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Transformation and Innovation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eShizuoka Financial Group continuously upgrades mobile banking and automates back-office workflows, cutting processing costs; in FY2024 SFG reported a 7% YoY rise in digital transactions and targeted a sub-50% cost-to-income ratio by 2026 to match neobanks.\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\/CANVAS-Content-Activities-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\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWealth Management and Consulting\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eShizuoka Financial Group offers investment advisory, inheritance planning, and asset management to retail and high-net-worth clients, aiming to boost non-interest income—fee revenue rose 6.8% to ¥128.3bn in FY2024 (ended Mar 2025). Professional consultants across 270 branches deliver high-touch, personalized plans that deepen loyalty and complement digital channels; advisory AUM reached ¥8.6trn as of Mar 31, 2025.\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\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegional Revitalization Support\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe bank runs business-matching and succession programs that aided 312 transactions and supported ¥48.6bn in regional M\u0026amp;A value in FY2024, helping aging owners exit and preserving clients and jobs in Shizuoka.\u003c\/p\u003e\n\u003cp\u003eBy combining advisory, low-rate bridge loans and post-merger support, the group kept 1,240 local firms operating in 2024 and reinforced long-term regional tax and deposit bases.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e312 transactions in FY2024\u003c\/li\u003e\n\u003cli\u003e¥48.6bn M\u0026amp;A value\u003c\/li\u003e\n\u003cli\u003e1,240 firms retained\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\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRisk Management and Compliance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eShizuoka Financial Group keeps financial stability by continuously monitoring market and credit risks and meeting Japan's evolving regulations; the group reported a CET1 ratio of 11.8% and ¥1.2 trillion in risk-weighted assets coverage as of FY2024 (March 2025).\u003c\/p\u003e\n\u003cp\u003eThe group spends heavily on internal audit and AML (anti-money laundering), with compliance expenses rising 9.5% year-over-year and 420 dedicated compliance staff in 2025, forming the trust basis with regulators and stakeholders.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eContinuous market\/credit risk monitoring\u003c\/li\u003e\n\u003cli\u003eCET1 ratio 11.8% (FY2024)\u003c\/li\u003e\n\u003cli\u003e¥1.2T risk-weighted coverage\u003c\/li\u003e\n\u003cli\u003eCompliance spend +9.5% YoY\u003c\/li\u003e\n\u003cli\u003e420 compliance staff (2025)\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\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegional lender scales digital growth, ¥11.8T loans \u0026amp; ¥8.6T AUM while cutting costs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCore activities: regional deposit-taking and ¥11.8T loans (FY2024), digital banking growth (+7% digital txns FY2024) and cost-efficiency target (C\/I \u0026lt;50% by 2026), advisory\/AUM ¥8.6T (Mar 31, 2025), M\u0026amp;A facilitation (312 deals, ¥48.6B value FY2024), risk\/compliance (CET1 11.8%, compliance staff 420 in 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\u003eLoans AUM\u003c\/td\u003e\n\u003ctd\u003e¥11.8T (FY2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAdvisory AUM\u003c\/td\u003e\n\u003ctd\u003e¥8.6T (Mar 31, 2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFee revenue\u003c\/td\u003e\n\u003ctd\u003e¥128.3B (FY2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eM\u0026amp;A deals\/value\u003c\/td\u003e\n\u003ctd\u003e312 \/ ¥48.6B (FY2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCET1 ratio\u003c\/td\u003e\n\u003ctd\u003e11.8% (FY2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCompliance staff\u003c\/td\u003e\n\u003ctd\u003e420 (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;\"\u003eDelivered as Displayed\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe document you're previewing is the actual Shizuoka Financial Group Business Model Canvas, not a mockup—it's a direct snapshot of the final file you’ll receive after purchase.\u003c\/p\u003e\n\u003cp\u003eUpon completing your order you’ll get this exact document, fully formatted and ready to edit, present, or share in Word and Excel formats—no placeholders, 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":56749756612985,"sku":"shizuoka-fg-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0911\/3554\/1625\/files\/shizuoka-fg-business-model-canvas.png?v=1772218023","url":"https:\/\/matrixbcg.com\/products\/shizuoka-fg-business-model-canvas","provider":"MatrixBCG","version":"1.0","type":"link"}