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Editor Note: we know that buying online businesses can be a tricky business. As Mark suggests below, make sure you educate yourself and only choose an option that will work for you.

While there are a lot of great reasons to buy an online business rather than starting from scratch, there’s always one major objection: buying an established website takes money. And the more established a website is, the more it will cost you.

Of course, you can sift through an auction marketplace looking for a bargain deal, but these marketplaces are fraught with fraud and snake-oil salesmen. Plus, many of the websites for sale through marketplaces simply don’t make enough money to justify the time you’ll spend building them. With smaller sites, you’re often better off starting from nothing.

So how can you afford to buy an established website? This article will cover 8 of the most common options we see buyers exercise to fund an acquisition. I’ll also review the benefits and drawbacks of each option.

1. Cash Reserves, Stock, Bonds

Not everyone has access to enough cash reserves to buy a premium website, but for those who do have enough value built up in savings, stocks, bonds, and other liquid assets, cash is a great option.


Sellers Love Cash Buyers. Sellers love to work with buyers who pay with cash since cash buyers tend to move quickly and decisively.

Your losses are limited to your investment. Hopefully, your acquisition doesn’t fail, but if it does, you only lose the cash invested. While this isn’t a great outcome, it’s better than losing a home you used as collateral for a loan to buy the website.


Do you have that much saved? Most people don’t use cash as an option because they don’t have that much cash or value in stocks and bonds to risk in an investment of an online business.

2. SBA Loans

During the great recession, suggesting you would buy an online business with an SBA loan was a great way to ensure no one responded to your requests. But SBA loans are becoming increasingly more prevalent.


Let the business pay for itself. One of the greatest benefits of an SBA loan is that most loans only require a down payment of 10% – 20% of the purchase price.Let’s assume you buy a website that earns $100,000 per year and that you pay $300,000 for the business. Using an SBA loan, you’ll need to pay $30,000 – $60,000 at close while the rest of the payment is paid off over 10 chúng tôi means the business will actually pay for itself out of its own earnings, and you’ll earn back your original investment in less than a year.


You are responsible for the loan. While getting an SBA loan significantly increases your purchasing power, you also take on the risk for that loan. This means you take on much more risk, and not everyone is comfortable taking on such a large loan that is dependent on the business remaining profitable for the foreseeable future.

3. Partner with an Investor

One of the more common arrangements we see among buyers are partnerships with an investor. There are many professionals who spent their careers in more ‘traditional’ business, who love the idea of the online business world, but don’t have the knowledge to venture out on their own.


Access to significant capital. The benefit of this approach is obviously that you can access potentially large amounts of capital without risking your own personal equity (or at least not all of it). This allows you to buy more established, more profitable businesses. Why is this important? If you make a small, incremental improvement of 5% on a large business, that results in more real dollars returned than if you make a 5% improvement on a small business.


You are tied to the investor. The downside is obvious: you will be tied to your investor. If they have trouble being ‘hands-off’, you’ll need to answer questions about what you are doing, how the business is performing, and what they should expect. In addition, as long as they have equity in the business, you’ll be paying them profits from your work.

4. Home Equity Line of Credit

Using equity built up in your home is an easy and natural source to access funds to buy an online business.


Little restrictions, and low-interest. Interest rates on home equity are still extremely low, and the funds that you get from your home equity line of credit can be used in many different ways. Business loans often come with a number of restrictions that home equity loans lack.

Somewhat predictable. Accessing your home equity is much more predictable than applying for an SBA loan. If you have equity built up in your home, you are likely very aware of what you will be able to borrow. This makes it easier to approach sellers since the funds are somewhat certain.


Do you want to risk your home? But the downsides to this funding option need to be considered: closing costs can be high, making the out-of-pocket expenses difficult to swallow, there may be tax consequences which make this less desirable, and of course, you are risking your home in the event of a default on the loan.

5. Roll Over for Business Startup (ROBS)

This option is a fairly obscure, yet attractive funding option to acquire a business. Using ROBS, you can tap into your retirement funds and use those funds to buy an online business without paying the tax penalty for withdrawing funds early from retirement.


Similar to dealing in cash. For the person selling their business, using ROBS appears very similar to someone buying their website with cash. Accessing the funds in your retirement account only takes a few weeks and, once accessed, are easily transferable to the seller without any work on their side.

Options for your investment. Using ROBS, you can either treat your invested capital from retirement as an investment and grow your retirement portfolio in its tax-deferred shelter or you can convert out of the ROBS and benefit from any increase in the value of the business.


More complex setup. Setting up a ROBS requires that you setup your company in the right way, otherwise you’ll risk having the IRS rule that you accessed your retirement funds in the wrong way, resulting in heavy penalties and back taxes.

Must use a C-Corp. One of the requirements is that your business be established as a c-corporation. While you can transition out of this formation at a later date, most Internet businesses won’t benefit from a c-corporation structure.

You risk your retirement. What happens if you buy a web business using your retirement account, but the business quickly fails? You lose your retirement.

6. Setup a Self-Directed IRA

Similar to using a ROBS account to buy a business, you can set up a self-directed IRA and use the funds to invest in an online business. But there is a significant restriction: you’ll need an investor to make the investment. The IRS has strict rules about self-dealing with a self-directed IRA, and one of those rules is that you can’t buy a business that pays you a salary with retirement funds (unless you want to use ROBS).


Similar benefits to ROBS. Like ROBS, using a self-directed IRA allows you to access funds that otherwise are protected until retirement without taking on the tax consequences of withdrawing those funds early. It’s a great way to use an asset that otherwise would sit in the stock market growing 7% to 10% per year.

Great for silent investors. This is a great option for a silent investor as it allows them to tap a portion of their overall assets that they may think are not accessible.


You need an investor. You can’t use your own retirement account to make this investment unless you use a roll over for business startup, so you’ll need to find an investor who is ready to take the risk with you (and stay silent).

7. Borrow on Life Insurance

Finally, many people don’t know that you can actually take a loan out of your life insurance, assuming it is whole life insurance.  As you pay into whole life insurance, you build up its “cash surrender value“, and amount of money that you can easily access.


Easy access and friendly money. Generally speaking, accessing funds out of a whole life insurance plan is easy to do, and there typically isn’t a strict repayment plan. You’ll incur some interest, but this is often offset by the interest a whole life plan provides.


How much is there? The problem with borrowing against a life insurance policy is that most people don’t build up significant “cash surrender value” until they are older. As a result, you may find that the amount of cash available is less than you need to complete a transaction. But using your cash surrender value can be a useful component of piecing together a financing plan.

8. Owner Financing a Deal

Strategizing how you can raise funds to acquire an online business is often like putting together a puzzle. One key piece to this puzzle may be to ask the person selling their website to finance a portion of the deal.


A sign of good faith. When a seller is willing to extend a personal note on the business, that shows a strong sense of confidence in both the business and in their estimation of your ability to continue the business’s profitability.

Friendly rates. Because the loan is negotiated between you and the seller, you can usually negotiate simple, straightforward rates and repayment rules. This usually works in your favor.


Sellers hate owner financing. Don’t expect the person selling their website to be excited about accepting owner financing. Most sellers will resist any owner financing since it delays the benefit they get from selling their business. And even though the loan is secured against the website, they are selling the website for a reason: they don’t want it anymore. They won’t want to take it back if you’ve run the business into the ground.

Owner financing won’t be available for every deal, and when it is available, you should expect only 10% – 20% of the deal to be wrapped up in owner financing.


There are a number of ways you can finance the acquisition of an online business, even if you don’t have the cash reserves for an acquisition. How you finance the business depends a lot on your personal assets, your creativity, and your willingness to take on risk.

Yes, buying any business is risky. Make sure you know the consequences you’ll face if you make an investment that fails.

But don’t fall into the trap of thinking you need to have the cash on hand to buy a business. There are a lot of options available.

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Make Your Business Shine Online: 8 Steps To Boost Visibility

It has become harder than ever to stake your claim on the Web. Searches for your small business’s name don’t always lead to your website. Companies with similar names or splashier domain names—along with random online product listings and completely unrelated results—too often beat your business to the top of Google’s results. If you’re in a commoditized industry, such as plumbing, dry cleaning, or coffee sales, standing out online is increasingly difficult.

Managing your own website and submitting it to Google are good first steps, but they’re no longer enough. Read on to learn how to upgrade your online presence on your own website and on third-party sites, so that people can  find you on the Web when they come looking.

Build up your website

Include plenty of pages and helpful text on your website—with a blog to keep it fresh.

Today, a one-page website is the equivalent of an ad in birdseed type in the Yellow Pages. If you know exactly what you’re looking for, you can find it—but most shoppers will skip right past you.

Fortunately, the first key to standing out involves a tactic that lies completely within your control: building up the size of your website. Though Google’s algorithms aren’t public, sites with more pages tend to rank higher in search engine results. Google also devotes more links and real estate to pages that have a deeper page structure, embedding secondary links called Google Sitelinks to subsidiary pages on your website. A Google result of this type can consume up to three times as much screen space as a standard search result.

How many pages do you need to have to get results like this? There’s no “official” number (nor are Sitelinks under your control to a significant extent), but even taking your website from one page to five should help. Once you’ve expand beyond a few dozen pages, bonus links should start showing up in your search engine results.

Start by segmenting your home page content into obvious secondary pages, under headings like “About Us,” “Contact,” “Services,” “Rate Information,” “Customer Testimonials,” and “Locations.” You don’t need to put a lot of information on each page, but try to be verbose rather than succinct, place unique content on each page, and use keywords, especially in the page title. Photos help, too.

Beyond these measures, the easiest way to add pages to your website is by maintaining a blog. Make sure that the blog is part of your company domain, and not hosted on a separate URL. Blog as often as you can. Daily is great, but a few times a month is enough for Google to take notice. Again, photos are a good idea, even if you use nothing but free stock art.

Finally, avoid using Flash in your site design. Although Google usually can spider Flash content these days, many site visitors don’t like Flash, and numerous mobile devices—which an increasingly large percentage of page views come from—can’t handle it. If your website is heavy on bandwidth demands, having a phone- and tablet-friendly version of your website available is essential.

Hone your social media savvy

Building your brand on social media channels enhances your visibility to Google.

You don’t need to be involve yourself in the intricacies of Twitter and Facebook to promote your business with these services. Merely having accounts in place and keeping them active in a basic way can raise your visibility to users of the networks and to search engines.

Obviously, the only way to become visible on Twitter is by actively tweeting. And the more often you write, the more visible you’ll become. Set up business accounts on (at a minimum) Facebook, Twitter, LinkedIn, and Google+. Pinterest is another good bet, but it may not be relevant to every business.

Social media has a second, arguably more useful function in small-business visibility: Your social media pages will be indexed by search engines, and searches for your company name will turn up results for all of these sites. Over time, you’ll want your website to be the top result in a search for your business name, your Twitter account to appear next, and your LinkedIn page to be third (or similar). A Google+ page for your business is especially critical. If you have one, a Google search for your company name will add an extra box-out with your Google+ information placed to the right of the search results. This box includes your contact information and your recent Google+ posts, greatly enhancing your visibility to searchers.

When you set up your social media accounts, don’t get too fancy. Use images and logos consistently, and make sure that all contact information, spelling, and capitalization styles remain the same across each network. Everything should link back to your homepage as often as possible. When you choose your usernames for each account, include your business name to the extent you can (for example, @Bobs_Termite_Treatment_Chicago). Paying attention to keywords never hurts.

Post to all of your accounts as often as you can—twice a day is plenty, and it’s easy to do. I use a twice-daily reminder in Outlook to ensure that I don’t forget to post updates. You can automate these operations to cross-post to multiple services at once with a service such as HootSuite Pro ($10 per month), and you can schedule posts in bulk if you can’t break away from your work to post at periodic intervals.

Leverage Yelp

Keep close tabs on your Yelp profile—and dress it up with images.

The rules governing what kinds of businesses can appear on Yelp are pretty liberal—even Yelp itself has a Yelp listing. So if you’re on the fence about whether you should submit your business to Yelp, give it a try and see what happens. A well-populated Yelp listing can greatly improve your visibility online.

Next page: Don’t stop at search…

How To Buy A Smartphone For Business

Also, be sure to check out our consumer cell phone buying guide, which walks you through the general features and specs to look for and test while shopping for a phone.

Operating System


Current Android phones run either Android 2.3 (Gingerbread) or Android 4.0 (Ice Cream Sandwich). Many Gingerbread phones will receive an upgrade to Ice Cream Sandwich eventually, though, and ICS adds a slew of business-friendly features to the Android platform.

Both Gingerbread and ICS support near-field communication (for making mobile payments), Voice over IP calls, and one-touch word selection and copy/paste.

ICS’s Gmail app has a context-sensitive Action Bar at the bottom of the screen that changes depending on where in the app you are. For example, when you’re looking at an email message, you see options to archive it, trash it, label it, or mark it as unread. When you’re viewing your inbox, the bar changes to display options for composing new messages. Adding attachments from your gallery or other folders is now much easier as well. If you’re a heavy Gmail user, you’ll appreciate these updates.

To help you organize your IMAP and Exchange accounts, the Email app in ICS supports nested mail subfolders. The Email app also supports Exchange ActiveSync v14.


Traditionally, business users have not favored Apple’s iOS. However, in its latest iteration, iOS 5, the platform has expanded its business features.

The platform update introduces Siri (currently only on the iPhone 4S), which strives to be your very own digital personal assistant. Siri lets you send text messages, create calendar appointments, set alarms, and solve basic math equations via voice command.

Perhaps the biggest deal about iOS 5 for business users is the addition of iCloud, Apple’s cloud service that lets you sync and share documents (as well as photos, videos, and music) across multiple iOS and Mac devices.

In the iOS 5 mail app, you can add rich formatting, such as bold and italic text, to messages, as well as indent text. Mail now has a built-in dictionary, too. Another highlight is the iMessage app, which lets you send messages to any iOS device, regardless of whether it has SMS support.

Windows Phone

Microsoft’s latest version of its mobile platform, Windows Phone “Mango,” has a variety of practical features for business users. Perhaps the most important feature is the Office Hub, which gives you full access to the Microsoft Office Suite; there you can view, edit, and create documents in Word, Excel, and PowerPoint. Users also have access to OneNote, Microsoft’s version of Evernote, which lets you jot down notes and associate images with them. In addition, with Mango, you can save and share Office documents through Office 365 and Windows Live SkyDrive, so you can access your documents whenever you need them.

Email messages are organized by conversation, with replies to a thread consolidated into a single view that you can follow more easily. You can make multiple inbox groups, too: If you have two work-related inboxes, for example, you can group them together to see all of their messages in one place, while keeping your work email accounts separate from your personal email accounts. You can also pin any of your inboxes to your home screen for quick and easy access.


All phones with BlackBerry 7 OS (the latest version of RIM’s software) come equipped with BlackBerry Balance, which helps you maintain your business and personal lives on one phone. When your handset is connected to your company’s BlackBerry Enterprise Server, Balance keeps your personal information separate and your business information secure.

The incredibly useful BlackBerry Protect lets you back up your data and manage multiple devices. If your BlackBerry is stolen or lost, you can remotely locate it, wipe it, lock it, or change the volume of the ringer. Like Balance, this service is completely free for BlackBerry 7 OS users.

Last but not least, the premium version of Documents to Go is available for free on all BlackBerry 7 OS phones. Users can now compose, edit, and view Word, Excel, and PowerPoint files. This addition is just one more excellent business feature that BlackBerry OS offers its enterprise customers.

The Specs That Matter for Business

The particular phone features described below are crucial to business users, but if you plan on using the same phone for your everyday life, check out our general cell phone buying guide too.


If you decide to buy a 4G phone, first confirm that your area has coverage. Verizon currently offers 4G coverage in 175 U.S. cities (check the carrier’s coverage map). Sprint has a complete coverage map of its WiMax network, too. AT&T has launched 4G LTE in 15 cities, and it plans to complete the rollout by the end of 2013.


An HDMI port will let you hook up your smartphone to an HDTV, which is ideal for giving presentations on the go. Some phones have MHL ports rather than HDMI. The MHL specification (Mobile High Definition Link) is a 1080p HD video and digital audio interface for connecting smartphones and other portable devices (tablets, cameras, and the like) to HDTVs. So what’s the big deal? It simultaneously provides power to your phone–something that HDMI cables don’t do.

Front-Facing Video Camera

If you plan on making video calls or participating in videoconferences from your phone, make sure that it has a front-facing video camera. Front-facing cameras range from VGA video-only cameras to 2-megapixel cameras that can take still images as well. Video quality, however, won’t be as dependent on the actual camera as it will be on the app or network you are using to make the call.

Built-In Storage

Whether it is in the cloud, in your phone, or available on removable memory, storage is a big factor to consider when you’re purchasing a smartphone. If you plan on storing a lot of documents and presentations on your phone (along with your personal photos, music, and videos), this is a spec you’ll definitely want to pay attention to while shopping. Some phones have built-in ROM storage along with a MicroSD slot (for example, an 8GB phone might offer built-in memory plus a MicroSD slot expandable up to 32GB).


If you simply can’t adjust to a touchscreen keyboard, consider a phone with an actual QWERTY keyboard. Smartphones with physical QWERTY keyboards are an endangered species nowadays, but you can still find a few out there. You might opt for a candy-bar model, such as the BlackBerry Bold 9790 or the Motorola XPRT, or a phone with a slide-out keyboard, like the Samsung Captivate Glide.

Next Page: Applications and Accessories

How To Use Offline Success To Create An Online Presence

A true omnichannel strategy makes the most of offline not just online

Consider the main ingredients to a sale when a customer is in your place of business. You have product placements that suggest what a customer should buy, education on the products and services you are selling, the ability to experience your brand firsthand, and most important, people available to educate buyers and make a sale. All these make up the customer experience, and digital is just another component.

Clearly, bricks-and-mortar businesses that aren’t yet capitalizing on their digital channels were successful before the internet took over their industries. There are reasons for that success, and those can give you an edge over your internet-born competitors.

Digitizing Your Offline Strategy

A successful online strategy shouldn’t be a matter of abandoning old tactics and replacing them with a trend. It should be a process of using the digital experience as an extension of what has worked to differentiate your business in the offline marketplace.

This approach ensures your organization’s digital efforts extend the unique customer experience that buyers look for and allows you to capitalize on an asset any internet-only business will have difficulty competing with. The customer experience matters more than you might think. Sixty-four percent of people think that customer experience is more important than price in their choice of a brand, and three out of four customers are more likely to visit your store if your online information is useful.

The Digital Difference

Customers are exposed to too many factors in their decision-making to not take digital into account. Consistency is key, and your website and surrounding digital marketing are great mediums through which to replicate and promote what your top sales agents have been doing on a one-on-one basis for years.

Take Zappos, for example, which acknowledged the offline experience in its exclusively online business. This company revolutionized the online shoe-buying experience by offering free returns and shipping. True, it’s not a brick-and-mortar business, but it essentially digitized one of the main values a storefront experience provided to consumers better than online-only retailers. Other businesses that have successfully gone digital — like Warby Parker, Tesla, and Target — have done so by replicating a few key elements of the bricks-and-mortar experience.

Home Depot has always had a location-based strategy, providing easy access to building materials and supplies. Essentially becoming the nation’s local hardware store. Its online experience offers the best of both worlds: Users can instantly see available inventory across all stores and select whether to purchase online and have it shipped to their homes, or they can purchase online and designate items they need immediately to be picked up at the store. It has extended its product catalog to enable more options for its customers without having to increase the goods carried in its physical stores. And buyers can elect to pick up the items not carried in their local stores to save on shipping charges.

Duplicate What Works

Before any bricks-and-mortar organization invests in their digital strategy, though, they should remember what makes them successful despite digital. Focus on what sets you apart. Where is your organization demonstrably different from the competition? Find ways to make the differentiator the most evident part of your digital strategy.

Ensuring that you have proper analytics in place will allow you to consistently monitor and adapt your digital efforts. Digital makes this information involuntary and honest in terms of seeing which tactics yielded conversions and which did not. And always leave an option for customers to interact with you the old-fashioned way. The online experience should complement the in-store experience — not compete with it. Your customers will interact with you the way they’re the most comfortable.

Once you’ve established a digital foundation that sets your business up for success, replicate these four brick-and-mortar elements in your digital experience to keep customers coming back — both in-store and online:

Maintain human interaction. One of the key elements to an in-store customer experience is interaction with individuals from your organization. This component defines personal interaction and helps in building real-time trust with the consumer. A great way to translate this to digital is by offering online chat on your site.

When implementing this, just as you don’t want your sales reps to follow around and annoy customers, the chat should be something customers can easily access if they want to — not something that pops up on every page they’ve closed out of.

Enable product interaction. The second major benefit of the offline experience is the ability to interact in-person with the product. As discussed previously, companies like Zappos and Warby Parker are sending the product to consumers to interact with before they’ve been purchased.

However, there are ways to do this without the overhead of shipping costs. Giving customers 360-degree product tours that allow them to zoom in on materials, view multiple images, and watch videos can easily simulate product interaction.

Two approaches can support this need digitally. The “recommended products” feature can be helpful, but today’s educated consumer, who understands that recommendations are likely based on products being pushed, doesn’t always trust it.

Taking a lesson from Amazon, using helpful features like “buyers also viewed” and “customer reviews” gives consumers even more information to use in making decisions than they would get from an in-store experience.

The second approach is to be consistent in reminding customers how close your physical store is and that you have experts on-site who can help them. Driving a customer to your physical store creates not only a captive lead, but also a qualified one because that customer is coming in after researching other options online.

Get personal. A customer who frequents your store and is greeted by familiar faces will feel a connection, especially when those faces remember the customer’s last purchase and make recommendations that match his style. Customers shopping a brand in Chicago are likely going to have very different needs from customers shopping the same brand in Los Angeles, so take those person differences into account.

Tools like Optimizely make it possible for your site to feature umbrellas on your homepage when it’s raining in that visitor’s location, and simple IP detection can localize your messaging and product offerings. Using such third-party services make it possible to leverage prior actions a customer had on your site to alter her experience to cater to her interests in the future.

Digital is mandatory, and with it comes new ways to market your company and your products. But you should incorporate what made you successful offline to create a truly well-rounded digital strategy and maintain your edge on the competition.

Ted Novak is a partner and managing director at Clique Studios, where he helps build and introduce innovative solutions for the digital market. Based in Chicago, Clique Studios is an award-winning design and engineering company building digital experiences for high-growth organizations.

Top 8 Tips To Grow Your Business In 2023

Your business’ success depends on generating new business and growing your customer base. It can be difficult at times.

These are some tips that will help you increase your customer base.

Top 8 Tips to Grow your Business in 2023 1. Get to know your customers

Also read: Top 10 Best Artificial Intelligence Software

2. Offer great customer service

Your customer service should be exceptional. Go the extra mile whenever possible. Customers will remember you for your exceptional service and be more inclined to recommend you to others.

3. Remain loyal to your customers and seek out new opportunities

You should have strategies in place for nurturing existing customers. These could include staying in touch with them via e-newsletter or letting them be aware of promotional events.

You should also look for ways to earn more work and grow your customer base. You must find the right balance between finding new customers and nurturing existing ones.

Also read: The 15 Best E-Commerce Marketing Tools

4. Social media is a great way to communicate

Social media can be a powerful tool for promoting your business to potential customers. You can also gain valuable insight through “social listening” Social listening allows you to find out what your customers think about you.

It also gives you insight into their behaviour and helps you identify keywords and trends that are relevant to your market. This will help you improve customer service. Social media can be used to increase your business profile, attract new customers, and improve customer service.

5. Participate in networking events

Spend time building your network – it’s not about what you know, but who you know.

Also read: Top 7 Best ECommerce Tools for Online Business

6. Host events

Hosting your own event is a great way for customers to meet you and to build relationships. Invite your top customers to attend and encourage them all to invite their friends.

7. Give back to your community

Also read: Top 10 Best Software Companies in India

8. Take note of what works, and adjust your approach as you go

To measure the success of your marketing efforts, you should track where your customers are coming to you. You shouldn’t be afraid of trying new things. If something doesn’t work, you can refine your approach and spend more time on activities that produce the best results.

Closing An App In Windows 8

Windows 8 does a good job in managing apps. When you switch to another app, the current app will go into hibernation and the system will release it to free up memory resource if another running app requires more resource. However, if you are determined to close the app, here is how you can do so:

1. In the app, move your cursor to the top of the screen and wait until it turns into a hand.

Alternatively, you can use the shortcut key “Alt + F4” to close the app.


Damien Oh started writing tech articles since 2007 and has over 10 years of experience in the tech industry. He is proficient in Windows, Linux, Mac, Android and iOS, and worked as a part time WordPress Developer. He is currently the owner and Editor-in-Chief of Make Tech Easier.

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