Insurance Agency Technology Statistics. Last updated: April 2026 | Sources: Big “I” 2024 Agency Universe Study, Deloitte Insurance Outlook, Catalyit State of Tech Report, Fortune Business Insights, Global Market Insights, IMARC Group, Mordor Intelligence, EZLynx, McKinsey, Accenture, Applied Systems, Business Research Insights
If you run an independent insurance agency — managing a book of personal lines clients, juggling commercial renewals, or trying to keep up with carrier portals and compliance requirements — the conversation around technology can feel abstract. Platforms are expensive. Training takes time. And the promise of “digital transformation” often sounds like advice written for companies with IT departments, not agencies with a handful of producers and a CSR who does everything else.
This page exists to cut through that. Below you’ll find more than 47 sourced statistics on insurance agency technology: where the broader InsurTech market is heading, how independent agencies are actually adopting software, what agency management systems and CRMs deliver in measurable ROI, and where AI is taking this industry in the next two to three years. Whether you’re evaluating your first AMS, thinking about adding a CRM, or trying to make the case internally for a tech upgrade, these numbers give you the full picture.
1. InsurTech Market Size and Growth
The InsurTech market has moved decisively from a startup niche into a core infrastructure layer of the global insurance industry. The size and growth trajectory of this market explains why independent agencies are now surrounded by more capable, more affordable technology than at any point in insurance history.
Key statistics:
- The global InsurTech market size was valued at approximately $10.3 billion in 2025, according to IMARC Group, with projections to reach $152.9 billion by 2034 at a CAGR of 31.51%.
- Fortune Business Insights projects the InsurTech market will grow from $23.54 billion in 2026 to $132.71 billion by 2034, at a CAGR of 24.1%.
- A separate analysis by Business Research Insights estimates the global InsurTech market at $7.52 billion in 2025, growing to $8.48 billion in 2026 and $26.07 billion by 2035 at a CAGR of 12.7%.
- The Business Research Company forecasts the global InsurTech market to reach $105 billion by 2030, growing at a CAGR of 36.5%.
- North America dominates the global InsurTech market, holding over 38.7% of market share as of 2024, per IMARC Group, driven by advanced digital infrastructure, established VC investment, and high insurance penetration.
- According to Mordor Intelligence, traditional agents and brokers still commanded 41.20% of the 2024 insurance premium, confirming that the independent agent channel remains structurally relevant — and increasingly technology-enabled.
- Mordor Intelligence further notes that embedded insurance channels are projected to post a 17.20% CAGR, making them the fastest-growing structural segment — a trend that will push more technology integration requirements onto agents.
- 33% of total InsurTech funding has been focused specifically on AI applications, per Business Research Insights, signaling where the largest near-term capability gains will emerge.
What this data means for independent agencies is significant: the technology being built and funded right now is aimed squarely at making insurance operations faster, more automated, and more digital. Agencies that adopt these tools as they become accessible are building durable operational advantages. Those that wait are increasingly managing a widening gap.
2. Independent Agency Technology Adoption Rates
The most grounded data on how independent U.S. agencies are actually using technology comes from the biennial Big “I” Agency Universe Study, the most comprehensive look at the independent agency system in the United States. The 2024 edition delivered some of the most striking technology adoption figures in the study’s history.
Key statistics:
- E-signature tool usage jumped to 70% of independent agencies in 2024, up from 61% in 2022 — a 9-point increase in just two years, per the 2024 Agency Universe Study.
- 52% of agencies now use direct bill commission statements electronically in 2024, up from 45% in 2022, according to the same study.
- More than half of agents agree that insureds are just as likely to accept e-documents as paper, signaling a cultural shift that removes a key barrier to digital-first client communication.
- 46% of agencies report significant cost savings from using carriers’ paperless communication options, per the Big “I” 2024 Agency Universe Study.
- 56% of agencies cite social media as a top marketing activity in 2024, down slightly from 62% in 2022 — reflecting a consolidation of effort into channels that demonstrably convert.
- The estimated total number of independent P&C agents and brokers in the U.S. is approximately 39,000 as of 2024, down slightly from 40,000 in 2022, as M&A activity and perpetuation challenges continue to consolidate the channel.
- Despite declining agency count, business conditions remain favorable: 75% of independent insurance agencies reported revenue gains from 2022 to 2023, according to the 2024 Agency Universe Study, up significantly from 62% reporting gains from 2020 to 2021.
- 72% of agencies reported personal lines revenue increases in the 2024 study, compared to 60% in 2022. 68% reported commercial lines revenue increases, compared to 57%.
- Dealing with multiple carrier interfaces remains the number-one technology challenge for independent agents, followed by marketing the agency effectively online.
- According to Catalyit’s 2024 State of Tech Report, the primary challenge for most agencies isn’t access to technology — it’s “getting the most out of the tool.” Most agencies haven’t made significant improvements in technology utilization despite broader tool availability.
The picture that emerges is one of steady but uneven adoption. Agencies are using more digital communication tools, e-signatures, and electronic statements. But the majority are still leaving significant value on the table by underutilizing the platforms they’re already paying for.
3. Agency Management System Usage Statistics
The Agency Management System (AMS) is the operational center of any independent insurance agency — the platform where policies are tracked, renewals are managed, documents are stored, and client records are maintained. The data on AMS adoption and market growth tells the story of an industry in transition.
Key statistics:
- The global Insurance Agency Management Software market was valued at $3.56 billion in 2024 and is projected to grow to $3.85 billion in 2025, reaching $7.24 billion by 2033 at a CAGR of 8.2%, per Business Research Insights.
- A separate analysis by 360 Research Reports estimates the IAMS market at $3.84 billion in 2025, projected to reach $7.92 billion by 2034.
- More than 70% of independent agencies now use at least one form of agency management software for CRM, policy tracking, or accounting tasks, according to 360 Research Reports.
- Agency digital transformation initiatives increased AMS procurement by 42% between 2021 and 2024, as agencies sought greater process automation.
- Over 600 insurers were connected to leading agency platforms in 2024, enabling electronic data interchange and rating integrations that significantly reduce manual carrier portal navigation.
- Cloud solutions represent 58% of new AMS installs in 2024, per 360 Research Reports, with the cloud segment offering scalability and remote access that on-premise systems cannot match.
- Small agencies account for 50% of total AMS license counts, medium businesses 30%, and large brokerages 20% of enterprise seats — making AMS fundamentally a small-agency product category.
- 46% of vendor software roadmaps in 2024 include AI-enabled underwriting or workflow automation, per 360 Research Reports, meaning the platforms agencies are using today will grow significantly more capable in the next 12–24 months.
- Major vendors issued 120+ product updates between 2023–2025, with 33% adding AI or automation components to core modules.
- According to Catalyit’s 2024 State of Tech Report, only 18% of surveyed agencies use data analytics models, leaving a large majority of agencies without actionable insight into their own book of business.
- ePayPolicy is the most popular digital payment choice, with over 40% of agencies using it for electronic premium payments, per Catalyit.
The AMS landscape is consolidating around a handful of major vendors — Applied Systems, Vertafore, EZLynx, HawkSoft, and AgencyBloc — while the move to cloud-native platforms is accelerating. For small agencies, this means more competition among vendors, lower implementation barriers, and increasingly accessible AI capabilities embedded directly into platforms they’re already using.
4. Digital Client Communication Trends
Client expectations have been fundamentally reset by digital experiences in every other area of their lives. Insurance agencies that still rely on phone-only communication and paper documents are operating with a growing mismatch between what they deliver and what clients expect.
Key statistics:
- 88% of customers expect businesses to provide a self-service portal where they can schedule and change appointments, access documents, and submit service requests online, per research cited by Vista Point Advisors.
- 74% of commercial insurance buyers begin their insurance search online, making digital presence and online quoting capabilities a prerequisite for competing for commercial lines business, per Agency Height.
- Agencies offering 24/7 quoting via mobile or self-service portals experience 20–35% higher engagement and retention rates, according to Agency Height.
- 55% of brokers plan to increase digital marketing investment in 2025, with 50% adopting AI chatbots and 40% initiating transactions online, per Agency Height.
- Digital strategies now account for over 73% of successful life insurance policy conversions in 2025, per SmartLifeRadar.
- Consumers conduct an average of 11 online searches before contacting an insurance agent, making SEO and content visibility mission-critical for lead generation, per SmartLifeRadar.
- 73% of Americans had social media accounts in 2025, and 78% of consumers use positive social media experiences to influence purchasing decisions, per Coterie Insurance.
- Chatbots now handle 70% of all routine customer inquiries in insurance operations that have deployed conversational AI, working around the clock to answer policy questions, provide instant quotes, and process service requests, per Decerto.
- Personalized outreach drives 26% higher email open rates and generates 760% greater revenue per email compared to generic messaging for insurance agencies, per Agency Height.
The shift to digital communication is not gradual — it’s structural. Agencies that have invested in client portals, automated communication workflows, and e-signature tools are reporting meaningful differences in both operational efficiency and client satisfaction. The bottleneck for most small agencies isn’t the technology itself — it’s the change management required to move clients and staff toward new workflows.
5. Lead Generation and CRM Adoption
For independent agencies, the gap between a good book of business and a great one often comes down to pipeline discipline: how systematically leads are captured, nurtured, and converted. CRM software is the infrastructure that makes systematic pipeline management possible at scale.
Key statistics:
- According to Independent Insurance Agents & Brokers of America (IIABA) statistics, brokers using specialized insurance agency CRM software see average revenue increases of 25–40% within their first year of implementation, driven by improved retention, more efficient sales processes, and better cross-sell identification.
- Marketing automation improves revenue contribution by 78%, boosts lead generation by 76%, and nurtures a 451% rise in qualified leads over time, per Agency Height.
- 79% of principal agents plan to adopt or already use AI in their business, reflecting how quickly AI-powered lead tools are penetrating even small agencies, per Taboola’s Insurance Marketing Trends.
- 82% of insurers surveyed say AI adoption is critical to maintaining competitive relevance in the current market, per Taboola.
- AI-driven personalization can lead to a 40% increase in revenue for insurance companies that effectively implement personalized marketing strategies based on customer behavior analysis, per McKinsey research cited by Decerto.
- Most insurance brokers achieve positive ROI within 6–12 months through improved client retention and increased operational efficiency after CRM implementation, per AgencyMate.
- Progressive Insurance used generative AI to test ad variants, producing 96 audio variants in two weeks, resulting in a 31% increase in quote initiations, per Taboola.
- GMF, a French insurer, used AI-powered bidding and first-party data to see an 82% increase in lead volume — 134% above their stated goal, per Taboola.
- 24% of independent agents now use Commercial Lines Quoting/Rating platforms, per Catalyit’s 2024 State of Tech Report, with adoption expected to continue rising as the number of carriers and commercial lines of business expands.
For small agencies running on spreadsheets and sticky notes, these numbers underscore a compounding disadvantage: every month without systematic pipeline management is a month where leads fall through, follow-ups get missed, and cross-sell opportunities go unidentified. The CRM ROI data suggests the investment pays back within the first year — making the question not “can we afford it” but “can we afford not to.”
6. Policy Renewal and Retention Statistics
Retention is the foundation of a profitable independent agency. A book of business with 90%+ retention grows reliably; one below 80% requires constant new-business generation just to stay flat. Technology — specifically AMS-integrated retention tools and predictive analytics — has become the primary lever for improving renewal rates at scale.
Key statistics:
- Industry benchmarks for policy renewal rates are approximately 85–90% for personal lines and 90–95% for commercial lines, per Agent Support Network of America. Agencies consistently below these thresholds are typically losing business to competitors with better communication and renewal workflows.
- Insurers who implemented advanced retention strategies, including predictive churn analytics, saw a 23% average increase in customer lifetime value compared to those who did not, per the 2024 Insurance Customer Loyalty Report cited by InsuredMine.
- Increasing customer retention by just 5% can boost revenue by more than 25%, per ServiceMax/PTC research — a finding that applies directly to insurance agency economics where retention compounds over multi-year client relationships.
- EZLynx’s 2025 Technology Trends notes that retention has become a top strategic focus for agencies, with specialized tools like predictive retention centers using analytics to identify at-risk policies before they lapse.
- One agency reported reducing renewal processing time from hours to minutes using AI automation, freeing staff to focus on relationship-building and new business development, per analysis from Genspark.
- A case study from Total CSR showed that implementing a comprehensive agency management system cut administrative workload by 32% in just six months, with staff redirecting time from data entry to relationship-building activities — resulting in a 27% increase in policy renewals.
- Retaining existing clients is five times more cost-effective than acquiring new ones, per retention research cited widely across insurance industry sources. For agencies spending on lead generation while ignoring renewal workflows, this ratio represents a significant misallocation of resources.
- EZLynx reports that agencies are increasingly using automated workflows to trigger renewal review processes, ensuring agents have meaningful touchpoints with clients before policies expire rather than relying on clients to initiate renewal conversations.
The data points to a clear operational principle: agencies that use technology to be proactive at renewal time consistently outperform those managing renewals reactively. The tools to do this — automated renewal alerts, retention scoring, policy comparison workflows — are available in most modern AMS platforms today.
7. Agency Profitability and Technology ROI
The business case for technology investment in an independent agency comes down to one question: does it pay back? The profitability and ROI data from the industry is clear and consistent.
Key statistics:
- Agencies leveraging advanced technology are seeing 30–50% operational efficiency gains through process automation, per Genspark’s analysis of Catalyit’s 2024 State of Tech Report.
- Self-service claims portals can deliver up to 190% ROI within three years through improved operational efficiency and customer satisfaction, per Genspark.
- Properly implemented insurance agency management software typically delivers positive ROI within 6–12 months, even for small agencies, per Total CSR.
- 75% of independent agencies reported revenue gains from 2022–2023, with an average revenue gain of 26%, per the 2024 Big “I” Agency Universe Study. Agencies with stronger technology adoption correlated with stronger revenue performance throughout the hard market.
- 97% of businesses using a CRM system met or exceeded their sales goals in the past year, and businesses using CRM are 86% more likely to exceed their sales goals than those that don’t, per CRM.org.
- Agencies using specialized CRM software report average revenue increases of 25–40% in the first year, driven by improved retention, better cross-sell identification, and more efficient sales processes, per IIABA statistics cited by AgencyMate.
- 46% of agencies agree they have seen significant cost savings from using carriers’ paperless communication options alone — without any additional software investment — per the 2024 Agency Universe Study.
- For agencies with $500K–$2M in revenue, the financial impact of a 5% improvement in retention — enabled by systematic renewal workflows — can represent $25,000–$100,000+ in protected annual revenue that would otherwise require equivalent new business to replace.
- One in three agencies expects an ownership change in the next five years, per the 2024 Agency Universe Study. Agencies with documented, technology-enabled processes command higher valuations in M&A transactions — making tech investment a direct contributor to agency enterprise value.
The ROI case for insurance agency technology is not speculative. It shows up in lower administrative overhead, higher renewal rates, better cross-sell conversion, and ultimately in the valuation multiple an agency commands when it comes time to sell or perpetuate.
8. The Future of Insurance Technology
The next two to three years in insurance agency technology will be defined by one force: artificial intelligence moving from a novelty to an operational expectation. The adoption curve is steep, the data is concrete, and agencies that position themselves now will have a meaningful head start.
Key statistics:
- In a June 2024 survey of 200 U.S. insurance executives by the Deloitte Center for Financial Services, 76% said their organization had already implemented generative AI capabilities in one or more business functions — making this the fastest enterprise technology adoption in the modern insurance era.
- A Conning survey cited by Decerto found that 77% of insurance companies are currently adopting AI technologies in 2024, up significantly from 61% in 2023.
- 92% of firms plan to increase their AI budgets within the next three years, per McKinsey’s 2025 State of AI report.
- According to Accenture, 69% of leaders believe AI demands a full rethink of how their systems and processes are built and managed — not incremental adjustment, but structural redesign of workflows.
- 78% of organizations report using AI in at least one business function in 2025, up from 55% just two years prior, per McKinsey.
- Deloitte’s Insurance Technology Trends report identifies AI as the defining force reshaping the insurance sector — enabling carriers to optimize product pricing, deliver more tailored solutions, enhance customer experience, and improve operational efficiency simultaneously.
- Industry experts predict AI will have more impact on agency operations and profitability than any other technology in the last 15 years, per Catalyit’s 2024 State of Tech Report, yet few agencies currently identify generative AI as a near-term technology priority — creating a window of competitive advantage for early adopters.
- AI-driven search ad spending is projected to grow from just over $1 billion in 2025 to nearly $26 billion by 2029, per Taboola — transforming digital lead acquisition for insurance agencies that adopt AI-powered marketing tools.
- The IoT insurance market was valued at $31.5 billion in 2022 and is projected to reach $686.9 billion by 2032, growing at a CAGR of 36.4%, per Decerto. Connected vehicle data, smart home sensors, and telematics are creating new policy types and pricing models that agents will need to understand and represent.
- Gartner predicts 40% of enterprise applications will include task-specific AI agents by the end of 2026, per FieldCamp’s AI analysis — up from less than 5% in 2025. The AMS and CRM platforms independent agents use daily will be profoundly more capable within 12–18 months.
The practical implication for independent agents is this: the technology gap between well-equipped agencies and those running on legacy systems is about to widen dramatically. AI-powered renewal workflows, automated client communication, predictive retention scoring, and AI-assisted quoting are not five years away — they’re already embedded in platforms like EZLynx, AgencyBloc, and the latest releases from Applied Systems. The question is no longer whether to adopt, but how quickly.
Recommended Technology Tools for Independent Insurance Agencies (1–20 Employees)
These four platforms represent a practical, well-matched technology stack for independent agencies at various stages of growth and sophistication.
AgencyBloc
Best for: Life and health insurance agencies managing complex commission structures, policy tracking, and compliance workflows
AgencyBloc is purpose-built for life and health insurance agencies and stands out as one of the few platforms designed specifically around the complexity of that market — including group benefits, individual health, Medicare, and life insurance lines. Its built-in commission tracking, policy management, and automated workflow tools address the specific operational challenges L&H agencies face that generic CRM platforms don’t understand.
Standout features: Commission automation, AMS + CRM in one platform, workflow automation, email drip campaigns, group management tools, compliance tracking
Pricing: Starting around $65/month for small agencies; scales by user count and policy volume
HubSpot
Best for: Agencies focused on growing new business through inbound marketing, lead nurturing, and digital presence
HubSpot is the most widely used CRM in the market for a reason: it combines robust contact management, email marketing, pipeline tracking, and website tools in a platform that scales from free to enterprise. For independent agencies that want to build systematic lead pipelines — through SEO content, email campaigns, or referral tracking — HubSpot provides infrastructure that most insurance-specific CRMs lack on the marketing side.
Standout features: Free CRM tier, email marketing, pipeline management, live chat, meeting scheduler, landing page builder, reporting dashboards
Pricing: Free tier available; Marketing Hub starts at $20/month per seat
→ Get Started with HubSpot Free
EZLynx
Best for: P&C agencies wanting an integrated AMS + comparative rater that reduces carrier portal time
EZLynx is one of the most widely adopted agency management platforms among independent P&C agents. Its integrated comparative rating engine lets agents generate quotes across multiple carriers from a single entry point — directly addressing the number-one technology frustration in the industry (managing multiple carrier interfaces). Its Retention Center tool uses predictive analytics to flag at-risk renewals before they lapse.
Standout features: Comparative rating across 300+ carriers, Retention Center with predictive analytics, automated renewal workflows, commission reconciliation, client self-service portal
Pricing: Custom pricing based on agency size and modules selected
PandaDoc
Best for: Agencies looking to streamline proposals, e-signatures, and client document workflows
PandaDoc is a document automation and e-signature platform that dramatically reduces the time and friction involved in getting applications signed, proposals sent, and documents executed. For agencies still emailing PDFs and chasing wet signatures, PandaDoc cuts the turnaround cycle from days to minutes — with full audit trails for compliance purposes.
Standout features: E-signature, proposal templates, document tracking, CRM integrations (including HubSpot and Salesforce), payment collection, audit trails
Pricing: Starts at $19/month per user; business plans from $49/month
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Summary: What the Data Means for Your Agency
If you’ve worked through these 47+ statistics, the aggregate picture is clear. Here’s what it means in practical terms for an independent agency with 1–20 employees:
Technology adoption is no longer optional. When 76% of insurance executives have already deployed generative AI, when 70% of agencies are using e-signature tools, and when 74% of commercial buyers start their search online, staying off these tools isn’t a conservative choice — it’s an actively costly one.
The ROI is documented and arrives quickly. Multiple independent sources point to positive ROI on AMS and CRM investment within 6–12 months, driven by measurable improvements in renewal rates, administrative efficiency, and cross-sell revenue. For most small agencies, the math on a $150–$400/month technology investment is not difficult to close.
The retention opportunity is the highest-leverage play. If your agency is below 88% personal lines retention or below 92% commercial lines retention, technology-enabled renewal workflows are the single highest-ROI action available to you. A 5% improvement in retention at a $1.5M revenue agency is worth approximately $75,000 in protected revenue annually.
AI is arriving in your existing tools, not as a separate purchase. The most actionable insight from the data is that AI is not a separate budget line — it’s being embedded into AMS platforms, CRMs, and marketing tools that independent agencies are already using or evaluating. Keeping your platforms current is equivalent to keeping your AI capabilities current.
Field Service Software Statistics: 53+ Data Points Every Contractor Needs to Know in 2026
Frequently Asked Questions
What is insurance agency technology?
Insurance agency technology refers to the software platforms and digital tools that independent insurance agencies use to manage their operations. This includes agency management systems (AMS) for policy tracking and client records, CRM platforms for sales pipeline and client communication, comparative rating tools for generating carrier quotes, e-signature tools for document execution, and digital marketing tools for lead generation. Collectively, these tools make up the “technology stack” of a modern insurance agency.
How big is the InsurTech market?
The global InsurTech market was valued at approximately $10.3 billion in 2025 by IMARC Group, with projections ranging to $105–$153 billion by 2030–2034 depending on the research firm. North America holds over 38% of global market share. This rapid growth reflects massive investment in AI, embedded insurance, digital distribution, and automated underwriting across the insurance value chain.
What percentage of independent agencies use an agency management system?
More than 70% of independent agencies now use at least one form of agency management software for CRM, policy tracking, or accounting tasks, per 360 Research Reports. The market has grown significantly since 2021, with digital transformation initiatives driving a 42% increase in AMS procurement between 2021 and 2024.
What is the best agency management system for a small insurance agency?
For small P&C agencies, EZLynx is widely used for its integrated comparative rating and retention tools. For life and health agencies, AgencyBloc is specifically built for L&H complexity. For agencies that prioritize marketing and new business growth, HubSpot provides CRM and marketing automation at an accessible price point. The best system depends on your lines of business, current pain points, and existing carrier integrations.
How much ROI can insurance agencies expect from technology?
The documented ROI from insurance agency technology investments is significant and arrives quickly. Agencies using specialized CRM software report average revenue increases of 25–40% in the first year, per IIABA statistics. Most AMS implementations deliver positive ROI within 6–12 months. One agency case study showed a 27% increase in policy renewals after implementing a comprehensive AMS. Administrative workload reductions of 30–50% are commonly reported for agencies that move from manual processes to automated workflows.
What technology challenges do independent agencies face most?
According to the 2024 Big “I” Agency Universe Study, the number-one technology challenge for independent agents is managing multiple carrier interfaces — logging into separate portals for each carrier rather than working from a single integrated system. The second most cited challenge is marketing the agency effectively online. Catalyit’s 2024 State of Tech Report identifies “getting the most out of the tool” as the primary utilization gap — most agencies have access to better technology than they are actually using.
How is AI changing insurance agencies?
AI is transforming insurance agencies across multiple functions. On the customer-facing side, AI chatbots now handle 70% of routine client inquiries in agencies that have deployed them. On the marketing side, AI-powered ad targeting and personalization are driving double-digit improvements in lead conversion rates. On the operational side, predictive renewal analytics are enabling agencies to identify at-risk policies before they lapse, and automated workflows are reducing administrative overhead by 30–50%. According to Deloitte, 76% of U.S. insurance executives had already deployed generative AI in at least one business function by mid-2024.
What is the typical policy renewal rate for independent agencies?
The industry benchmark for personal lines policy renewal rates is approximately 85–90%, with commercial lines typically running 90–95%, per ASNOA. Agencies consistently below these benchmarks are typically experiencing high attrition that requires aggressive new business generation just to stay flat. Technology-enabled renewal workflows — automated reminders, retention scoring, and proactive outreach — are the primary tools for moving these numbers in the right direction.
This page is updated periodically as new data becomes available. All statistics are sourced and linked to their original publications. If you’re an insurance trade publication, agent association, or InsurTech media outlet looking to cite these statistics, all sources are attributed and linked throughout the article.
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