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BlackLine home page Solutions Customers Resources About English English Français Deutsch Español 日本語 Bahasa Dansk Nederlands Norsk Svenska Suomi ภาษาไทย Schedule Demo Language Français Deutsch Español 日本語 Bahasa Dansk Nederlands Norsk Svenska Suomi ภาษาไทย BlackLine home page Solutions Solutions Financial Close Management Financial Close Management Overview Overview FINANCIAL CLOSE MANAGEMENT Close faster with complete and accurate results. Empower Accounting to manage and control the end-to-end financial close process by automating accounting workflows, providing a centralized and secure workspace to perform period-end accounting activities, and streamlining financial reporting. Account Reconciliations Account Reconciliations ACCOUNT RECONCILIATIONS Standardize, control, and streamline reconciliations. Increase accuracy and efficiency across your account reconciliation process and produce timely and accurate financial statements. Drive accuracy in the financial close by providing a streamlined method to substantiate your balance sheet. Task Management Task Management TASK MANAGEMENT Drive visibility, accountability, and control across every accounting checklist. Standardize, accelerate, and centrally manage accounting processes – from month-end close tasks to PBC checklists – with hierarchical task lists, role-based workflows, and real-time dashboards. Transaction Matching Transaction Matching TRANSACTION MATCHING Match, analyze, and reconcile millions of transactions in minutes. Streamline and automate detail-heavy reconciliations, such as bank reconciliations, credit card matching, intercompany reconciliations, and invoice-to-PO matching all in one centralized workspace. Journal Entry Journal Entry JOURNAL ENTRY Centralize, manage, and automate journal entries. Create, review, and approve journals, then electronically certify, post them to and store them with all supporting documentation. Automatically create, populate, and post journals to your ERP based on your rules. Financial Reporting Analytics Financial Reporting Analytics FINANCIAL REPORTING ANALYTICS Control, validate, and streamline financial statement analyses. Perform pre-consolidation, group-level analysis in real-time with efficient, end-to-end transparency and traceability. Reduce risk and save time by automating workflows to provide more timely insights. Variance Analysis Variance Analysis VARIANCE ANALYSIS Continuously monitor for risk with automated fluctuation analysis. Calculate and identify account balance and activity fluctuations automatically to continuously monitor for risk, ensure the effective and timely execution of critical management review controls, and support agile decision-making. Smart Close for SAP Smart Close for SAP SMART CLOSE FOR SAP Simplify, standardize, and automate your financial close in SAP. Streamline and automate activities in SAP with task scheduling and execution, activity monitoring, and outcome verification. Accounts Receivable Automation Accounts Receivable Automation Overview Overview ACCOUNTS RECEIVABLE AUTOMATION Maximize working capital and release cash from your balance sheet. Maximize working capital with the only unified platform for collecting cash, providing credit, and understanding cash flow. Transform your accounts receivable processes with intelligent AR automation that delivers value across your business. Cash Application Cash Application CASH APPLICATION Apply customer payments to invoices automatically. Transform your order-to-cash cycle and speed up your cash application process by instantly matching and accurately applying customer payments to customer invoices in your ERP. Credit & Risk Management Credit & Risk Management CREDIT & RISK MANAGEMENT Create and operate risk polices with dynamic insights. Understand customer data and performance behaviors to minimize the risk of bad debt and the impact of late payments. Monitor changes in real time to identify and analyze customer risk signals. Collections Management Collections Management COLLECTIONS MANAGEMENT Release cash from customers and reduce DSO. Improve the prioritization of customer calls, reduce days sales outstanding, and watch productivity rise with more dynamic, accurate, and smarter collection management processes. Disputes & Deductions Disputes & Deductions DISPUTES & DEDUCTIONS Resolve customer disputes promptly to collect debt. Accelerate dispute resolution with automated workflows and maintain customer relationships with operational reporting. Unlock full control and visibility of disputes and provide better insight into how they impact KPIs, such as DSO and aged debt provisions. Team & Task Management Team & Task Management TEAM & TASK MANAGEMENT Maximize your time with data-driven prioritization. Make the most of your team’s time by automating accounts receivables tasks and using data to drive priority, action, and results. Monitor and analyze user performance, ensuring key actions quickly. AR Intelligence AR Intelligence AR INTELLIGENCE Turn payment data into actionable, real-time intelligence. Automatically process and analyze critical information such as sales and payment performance data, customer payment trends, and DSO to better manage risk and develop strategies to improve operational performance. Invoicing & Compliance Invoicing & Compliance INVOICING & COMPLIANCE Automate invoice processing to reduce manual invoicing costs, maintain compliance with e-invoicing regulations, and increase efficiency across your invoice-to-pay process. Intercompany Financial Management Intercompany Financial Management Overview Overview INTERCOMPANY FINANCIAL MANAGEMENT Unlock growth capacity with tax-effective intercompany operations. Centralize, streamline, and automate end-to-end intercompany operations with global billing, payment, and automated reconciliation capabilities that provide speed and accuracy. Ignite staff efficiency and advance your business to more profitable growth. Intercompany Non-Trade Intercompany Non-Trade INTERCOMPANY NON-TRADE Automate, optimize, and manage intercompany non-trade transactions. Ensure consistent regulatory and tax compliance by automating non-trade transactions and invoices while enforcing trading relationships and policies, as well as required taxes and transfer pricing. Intercompany Balance & Resolve Intercompany Balance & Resolve INTERCOMPANY BALANCE & RESOLVE Centralize, streamline, and automate intercompany reconciliations and dispute management. Seamlessly integrate with all intercompany systems and data sources. Automatically identify intercompany exceptions and underlying transactions causing out-of-balances with rules-based solutions to resolve discrepancies quickly. Intercompany Net & Settle Intercompany Net & Settle INTERCOMPANY NET & SETTLE Streamline and automate intercompany transaction netting and settlement to ensure cash precision. Enable greater collaboration between Accounting and Treasury with real-time visibility into open transactions. Integrate with treasury systems to facilitate and streamline netting, settlement, and clearing to optimize working capital. By Organization Size By Organization Size Midsize Organizations Midsize Organizations BLACKLINE FOR MIDSIZE ORGANIZATIONS Get set up quickly for a streamlined and automated close. The path from traditional to modern accounting is different for every organization. BlackLine’s Modern Accounting Playbook delivers a proven-practices approach to help you identify and prioritize your organization’s critical accounting gaps and map out an achievable path to success. Large Enterprises Large Enterprises BLACKLINE FOR LARGE ENTERPRISES Save time and cost, decrease risk, and elevate the organization. BlackLine’s foundation for modern accounting creates a streamlined and automated close. We’re dedicated to delivering the most value in the shortest amount of time, equipping you to not only control close chaos, but also foster F&A excellence. By Industry By Industry Banking & Financial Services Banking & Financial Services BLACKLINE FOR BANKING & FINANCIAL SERVICES Invest in your future by unifying and automating accounting work. To sustain timely performance of daily activities, banking and financial services organizations are turning to modern accounting and finance practices. It’s no longer a matter of whether or not to digitally transform. It’s a matter of when and how. Consumer Products & Services Consumer Products & Services BLACKLINE FOR CONSUMER PRODUCTS & SERVICES Adapt to changing consumer preferences with agile accounting. To mitigate financial statement risk and increase operational effectiveness, consumer goods organizations are turning to modern accounting and leading best practices. Simply sticking with ‘the way it’s always been done’ is a thing of the past. Energy & Raw Materials Energy & Raw Materials BLACKLINE FOR ENERGY & RAW MATERIALS Energize your accounting team by creating capacity with automation. While you are innovating to produce safe, reliable, and sustainable products and services, our solutions help accounting teams save time, reduce risk, and create capacity to support your organization's strategic objectives. Healthcare & Life Sciences Healthcare & Life Sciences BLACKLINE FOR HEALTHCARE & LIFE SCIENCES Align healthcare accounting teams to revenue-driving activities. Working capital, cash flows, collections opportunities, and other critical metrics depend on timely and accurate processes. Ensure services revenue has been accurately recorded and related payments are reflected properly on the balance sheet. Manufacturing Manufacturing BLACKLINE FOR MANUFACTURING Unlock capacity and strengthen resilience by automating accounting. To respond and lead amid supply chain challenges demands on accounting teams in manufacturing companies are higher than ever. Guide your business with agility by standardizing processes, automating routine work, and increasing visibility. Retail Retail BLACKLINE FOR RETAIL Tie out millions of transactions automatically. Retailers are recalibrating their strategies and investing in innovative business models to drive transformation quickly, profitably, and at scale. Save time, reduce risk, and create capacity to support your organization's strategic objectives. Technology, Media & Communications Technology, Media & Communications BLACKLINE FOR TECHNOLOGY, MEDIA & COMMUNICATIONS Transform the way you work. You've transformed the way we experience the world. It's time to embrace modern accounting technology to save time, reduce risk, and create capacity to focus your time on what matters most. See All Industries By ERP By ERP SAP SAP SAP SOLUTIONS BY BLACKLINE BlackLine is part of your SAP financial mission control center. Our solutions complement SAP software as part of an end-to-end offering for Finance & Accounting. BlackLine solutions address the traditional manual processes that are performed by accountants outside the ERP, often in spreadsheets. Oracle Oracle COMPANIES RUNNING ON ORACLE CLOSE FASTER WITH BLACKLINE Global brands and the fastest growing companies run Oracle and choose BlackLine to accelerate digital transformation. BlackLine delivers comprehensive solutions that unify accounting and finance operations across your Oracle landscape. Oracle NetSuite Oracle NetSuite BLACKLINE IS BUILT FOR NETSUITE Gain global visibility and insight into accounting processes while reducing risk, increasing productivity, and ensuring accuracy. Close the gaps left in critical finance and accounting processes with minimal IT support. Microsoft Dynamics Microsoft Dynamics AGILE SOLUTIONS FOR DYNAMIC ORGANIZATIONS Adapt and innovate with a hyperconnected Accounting function and give everyone the insights and freedom to thrive by connecting your data, processes, and teams with intelligent automation solutions for accounting needs. See All ERPs By Topic By Topic Environmental, Social, and Governance Environmental, Social, and Governance ENVIRONMENTAL, SOCIAL, AND GOVERNANCE ESG is an opportunity for F&A teams to have a direct impact on how their organizations interact with the communities around them and how they deliver value to their stakeholders. Recruiting & Retaining Top Talent Recruiting & Retaining Top Talent RECRUITING & RETAINING TOP TALENT Rising labor costs and shifting expectations are contributing to unprecedented change in the labor market and altering the way companies and their executives think about talent management. Enabling an ERP Transformation Enabling an ERP Transformation ENABLING AN ERP TRANSFORMATION ERP transformations are business transformations. Finance and accounting expertise is not only needed to prevent ERP transformation failures, but F&A leaders are poised to help drive project plans and outcomes. CFO & CIO Collaboration CFO & CIO Collaboration CFO & CIO COLLABORATION Finance and IT leaders share a common goal of equipping their organizations with ways to work smarter to enable competitive advantage. This intersection between CFO and CIO priorities is driving more unity in terms of strategy and execution. F&A Transformation F&A Transformation F&A TRANSFORMATION F&A teams have embraced their expanding roles, but unprecedented demand for their time coupled with traditional manual processes make it difficult for F&A to execute effectively. Transformation is necessary to address these challenges. IPO Readiness IPO Readiness IPO READINESS F&A leadership can have a significant impact by creating sustainable, scalable processes that can support the business before, during, and long after the IPO. This company-wide effort crosses multiple functional areas and is reinforced by critical project management and a strong technology infrastructure. Mergers & Acquisitions Mergers & Acquisitions MERGERS & ACQUISITIONS Timely, reliable data is critical for decision-making and reporting throughout the M&A lifecycle. Without accurate information, organizations risk making poor business decisions, paying too much, issuing inaccurate financial statements, and other errors. Revenue Cycle Optimization Revenue Cycle Optimization REVENUE CYCLE OPTIMIZATION The revenue cycle refers to the entirety of a company’s ordering process from the time an order is placed until an invoice is paid and settled. The inability to apply payments on time and accurately can not only lock up cash, but also negatively impact future sales and the overall customer experience. Regulatory Compliance Regulatory Compliance REGULATORY COMPLIANCE While the responsibility to maintain compliance stretches across the organization, F&A has a critical role in ensuring compliance with financial rules and regulations. Together with expanding roles, new expectations from stakeholders, and evolving regulatory requirements, these demands can place unsustainable strain on finance and accounting functions. Customers Customers CUSTOMER SUCCESS Success Stories Success Stories CUSTOMER SUCCESS STORIES In good company. More than 4,200 companies of all sizes, across all industries, trust BlackLine to help them modernize their financial close, accounts receivable, and intercompany accounting processes. View All Success Stories FEATURED CONTENT Success Story BLACKLINE RETURNS $2.77 FOR EVERY DOLLAR SPENT Community Community BLACKLINE COMMUNITY Join an exclusive community of peers, partners, and BlackLine experts. BlackLine users around the world gain access to a digital hub of insight, information, and engagement that enables the exchange of ideas and leading practices for peak F&A performance. Learn More FEATURED CONTENT COMMUNITY PORTAL LEARN, COLLABORATE, AND GET THE HELP YOU NEED. Services Services Overview Overview SERVICES Guided, connected, and committed to your success. BlackLine Services combine leading practices and expert guidance with best-in-class technology to help your F&A organization seamlessly implement sound processes and solutions, identify new opportunities for accounting optimization, and expand into areas you never imagined you would have the time to tackle. Professional Services Professional Services PROFESSIONAL SERVICES Build a foundation for world-class accounting. Whether planning your first implementation or expanding your BlackLine platform, leverage expert guidance to help you build and execute your vision, drive unified, automated, and continuous accounting processes, and enable Finance and Accounting to deliver strategic business value. Training & Education Training & Education TRAINING & EDUCATION Accelerate adoption and drive productivity and performance. One of the critical success drivers for any software technology is effective user training and adoption. Whether you are deploying for the first time or creating a sustainable education program for maximum value creation, explore how you can take the next steps to upskill your users. Customer Success Customer Success CUSTOMER SUCCESS Your success is our success. From onboarding to financial operations excellence, our customer success management team helps you unlock measurable value. Through workshops, webinars, digital success options, tips and tricks, and more, you will develop leading-practice processes and strategies to propel your organization forward. Transformation Services Transformation Services TRANSFORMATION SERVICES Go beyond with end-to-end transformation. Powerful technology is only part of the story. Successful transformation requires expert guidance from a trusted partner. Explore offerings that unlock new transformation opportunities and make transformation a reality. Global Support Global Support GLOBAL SUPPORT World-class support so you can focus on what matters most. BlackLine provides global product support across geographies, languages, and time zones, 24 hours a day, 7 days a week, 365 days a year. We are here for you with industry-leading support whenever and wherever you need it. Resources Resources Events Events EVENTS Connect with peers across Finance & Accounting. Whether new to BlackLine or a longtime customer, we curate events to guide you along every step of your modern accounting journey. View All Events FEATURED CONTENT Event BEYONDTHEBLACK NORTH AMERICA 2023 Upcoming Webinars Upcoming Webinars UPCOMING WEBINARS Hear from F&A thought leaders and customers like you. Explore our schedule of upcoming webinars to find inspiration, including industry experts, strategic alliance partners, and boundary-pushing customers. And, earn CPE credits while you're at it. Learn More On-Demand Webinars On-Demand Webinars ON-DEMAND WEBINARS Catch up on the latest finance transformation guidance. Check out our most recent webinars dedicated to modern accounting. If you recently attended webinar you loved, find it here and share the link with your colleagues. Learn More White Papers White Papers WHITE PAPERS Dive into digital finance transformation. Explore the future of accounting over a cup of coffee with our curated collection of white papers and ebooks written to help you consider how you will transform your people, process, and technology. Learn More FEATURED CONTENT White Paper 12 KEYS TO FINANCIAL OPERATIONS EXCELLENCE Blog Blog BLOG Stay on top of the latest accounting trends. BlackLine Magazine provides daily updates on everything from companies that have transformed F&A to new regulations that are coming to disrupt your day, week, and month. Check back often for the latest commentary and guidance. Learn More FEATURED CONTENT Blog EXPLORE THE LATEST IN F&A INNOVATIONS. Accounting Glossary Accounting Glossary ACCOUNTING GLOSSARY Brush up on key accounting terms. Whether you're new to F&A or an experienced professional, sometimes you need a refresher on common finance and accounting terms and their definitions. BlackLine's glossary provides descriptions for industry words and phrases, answers to frequently asked questions, and links to additional resources. Learn More FEATURED CONTENT Guide YOUR GUIDE TO KEY F&A TERMS AND DEFINITIONS. Developer Portal Developer Portal DEVELOPER PORTAL Integrate your accounting operations with open APIs. Our API-first development strategy gives you the keys to integrate your finance tech stack - from one ERP to one hundred - and create seamless data flows in and out of BlackLine. Learn More FEATURED CONTENT Guide EXPLORE OUR APIS TO MAXIMUM INTEGRATION. About About Company Company About BlackLine About BlackLine ABOUT BLACKLINE Since our founding in 2001, BlackLine has become a leading provider of cloud software that automates and controls critical accounting processes. Companies come to BlackLine because their traditional manual accounting processes are not sustainable. We help them move to modern accounting by unifying their data and processes, automating repetitive work, and driving accountability through visibility. Learn More Leadership Leadership LEADERSHIP BlackLine's leadership team is built on experience and expertise. Every executive is committed to ensuring transformational success for every customer. Learn More Diversity, Equity & Inclusion Diversity, Equity & Inclusion DIVERSITY, EQUITY & INCLUSION At BlackLine, we live by these tenets and always put people first. We are committed to fostering an environment where differences are valued and practices are equitable. Learn More Environmental, Social & Governance Environmental, Social & Governance ENVIRONMENTAL, SOCIAL & GOVERNANCE BlackLine is committed to doing our part to create a more sustainable and equitable world, from setting high environmental standards in all BlackLine workplaces to supporting employee health and wellbeing, building strong relationships with suppliers from underrepresented communities, protecting customers’ data security and privacy and giving back to the community. Learn More In the News In the News IN THE NEWS Explore original-content media coverage, commentary and analysis of BlackLine at top-tier business, trade, local and vertical media outlets, as well as contributed articles written by BlackLine experts and placed with leading media organizations. Learn More Press Releases Press Releases PRESS RELEASES Stay up to date on the latest corporate and high-level product developments at BlackLine. Here you will find a one-stop resource listing recent and historical news items, including announcement of new clients/partners, awards, new offices/facilities, personnel appointments/ changes, major software enhancements, executive speeches and upcoming events. Learn More Investors Investors INVESTORS BlackLine is a high-growth, SaaS business that is transforming and modernizing the way finance and accounting departments operate. Our cloud software automates critical finance and accounting processes. We empower companies of all sizes across all industries to improve the integrity of their financial reporting, achieve efficiencies and enhance real-time visibility into their operations. Learn More Awards & Recognition Awards & Recognition AWARDS & RECOGNITION In addition to accolades for the quality, performance and benefits of our software, BlackLine has been the recipient of many industry awards recognizing the fast growth of the company, outstanding achievements of members of the management team and exceptional customer service. Learn More Careers Careers TAKE THE NEXT STEP IN YOUR CAREER. Wondering what it's like to work at BlackLine? Don't take our word for it. We've been voted Best Place to Work by Inc. Magazine four years in a row. Built in LA ranks us in their top 20 best places to work in LA. Better still? We have in-office and remote-work openings all over the world. Explore Careers FEATURED CONTENT Explore BE A LEADER. JOIN THE LEADER. Partners Partners Consulting Alliances Consulting Alliances CONSULTING ALLIANCES Delivering Succesful Digital Transformations Global and regional advisory and consulting firms bring deep finance domain expertise, process transformation leadership, and shared passion for customer value creation to our joint customers. Our consulting partners help guide large enterprise and midsize organizations undergoing digital transformation by maximizing and accelerating value from BlackLine’s solutions. Learn More Solution Provider Partners Solution Provider Partners SOLUTION PROVIDER PARTNERS Guiding Customers to Long-Term Success BlackLine’s Solution Providers are experienced business software resellers who know and understand the finance and accounting function and the associated challenges that organizations face. They ensure our customers’ success with BlackLine from the initial solution validation process through deployments and long-term customer care and long-term success. Learn More Software & Cloud Partners Software & Cloud Partners SOFTWARE & CLOUD PARTNERS Integrate Your Finance Tech Stack BlackLine and our ecosystem of software and cloud partners work together to transform our joint customers’ finance and accounting processes. Together, we provide innovative solutions that help F&A teams achieve shorter close cycles and better controls, enabling them to drive better decision-making across the company. Learn More Business Process Outsourcers Business Process Outsourcers BUSINESS PROCESS OUTSOURCERS Driving Automation with Your Outsourcing Provider BlackLine partners with top global Business Process Outsourcers and equips them with solutions to better serve their clients and achieve market-leading automation, efficiencies, and risk control. By outsourcing, businesses can achieve stronger compliance, gain a deeper level of industry knowledge, and grow without unnecessary costs. Learn More English English Français Deutsch Español 日本語 Bahasa Dansk Nederlands Norsk Svenska Suomi ภาษาไทย Schedule Demo Language Français Deutsch Español 日本語 Bahasa Dansk Nederlands Norsk Svenska Suomi ภาษาไทย THE HOME OF MODERN ACCOUNTING GO BEYOND THE MONTH-END Unify your accounting data and processes, automate repetitive tasks, and empower your team to get in front of the numbers and move your business forward. Learn More See BlackLine in Action TRUSTED BY 4,200+ COMPANIES Companies of all sizes and across all industries rely on BlackLine to help solve their most complex accounting challenges. See All Customers MAKE THE MOVE TO MODERN ACCOUNTING. Integrate, orchestrate, and automate your end-to-end accounting processes. FINANCIAL CLOSE MANAGEMENT Close faster, reduce risk, and create more time for analysis. Explore “Audits are a non-event for us now. Auditors can pull the information they need directly out of BlackLine. It’s a huge time savings for us, and they really appreciate not waiting on us." Jeanette Nimmo GL global process owner ACCOUNTS RECEIVABLE AUTOMATION Maximize working capital and release cash from your balance sheet. Explore “We’re collecting more money, faster and more efficiently. I have complete transparency. I can see live data in real time, across the globe, for all of our AR ledgers. And with BlackLine, everything is in one place.” Jason Braidwood Global Head of Credit & Collections INTERCOMPANY FINANCIAL MANAGEMENT Unlock growth capacity with tax-effective intercompany automation. Explore “BlackLine has been an absolute game changer. We no longer have to worry about whether an invoice generated in company A has been picked up in company B. It happens automatically.” Paul Dubbelman Finance Lead, Global Business Services Benefits of modern accounting CREATE CAPACITY FOR FINANCE AND ACCOUNTING TO FOCUS ON WHAT MATTERS MOST. Learn More 70% faster close 50% less time spent on audits 99% reduction in unapplied cash 85% reduction in manual effort 96% reduction in intercompany variances at month end 50% reduction in FX exposure WHY BLACKLINE From our proven technology to our unique experience and expertise, you can have confidence along every step of your digital finance transformation journey. CUSTOMER SATISFACTION 375,000+ accountants use BlackLine every day. PROVEN RETURN ON INVESTMENT BlackLine returns $2.77 for every dollar spent. UNMATCHED EXPERIENCE & EXPERTISE We've worked with thousands of companies across the globe to design a clear path to modern accounting. INDUSTRY-LEADING PARTNER NETWORK Our partners deliver deep expertise in finance transformation. NO-REGRETS TRANSFORMATION Our solutions modernize accounting processes for every company size, from midsized to global enterprises. SOLUTIONS FINANCIAL CLOSE MANAGEMENT * Account Analysis * Account Reconciliations * Compliance * Consolidation Integrity Manager * Journal Entry * Modern Accounting Playbook * Smart Close * Task Management * Transaction Matching * Variance Analysis * Financial Reporting Analytics ACCOUNTS RECEIVABLE AUTOMATION * AR Intelligence * Cash Application * Collections Management * Credit & Risk Management * Disputes & Deductions * Team & Task Management INTERCOMPANY FINANCIAL MANAGEMENT * Intercompany Non-Trade * Intercompany Net & Settle * Intercompany Balance & Resolve RESOURCES * Events * Webinars * On-Demand Webinars * Blog * Accounting Glossary * White Papers * Videos * Product Support * Partner Portal * Developer Portal COMPANY * About BlackLine * Leadership * Diversity, Equity & Inclusion * Careers * Press Releases * In The News * Awards * Contact Us * Request a Demo * * * * * Trust is in the Balance™ * System Status * Corporate Responsibility * Privacy Policy * Cookies Settings * Cookie Policy * GDPR * © 2023 BlackLine Inc. word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word word mmMwWLliI0fiflO&1 mmMwWLliI0fiflO&1 mmMwWLliI0fiflO&1 mmMwWLliI0fiflO&1 mmMwWLliI0fiflO&1 mmMwWLliI0fiflO&1 mmMwWLliI0fiflO&1 By clicking “Accept All Cookies”, you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. 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