---
title: "London Market Insurance Platform"
description: "Guidewire provides insurers and reinsurers the foundation to leverage agentic and predictive AI, built on deep insurance-specific context and running on an open, trusted core. Contact us today!"
url: "https://www.guidewire.com/ja/products/solutions/london-market.md"
language: "ja"
locale: "ja"
---

# London Market Insurance Platform

Guidewire provides insurers and reinsurers the foundation to leverage agentic and predictive AI, built on deep insurance-specific context and running on an open, trusted core. Contact us today!

London Market

Guidewire is the most intelligent and connected platform for the London Market. We provide the foundation for insurers and reinsurers to leverage agentic and predictive AI, built on deep insurance-specific context, and running on an open, trusted core. Improve business outcomes with intelligent, end-to-end underwriting and claims management, real-time communication tools, and analytics insights embedded directly into policy and claims workflows.

![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/london-market/39-london-market-2x.png?h=822&iar=0&w=1410)

[Talk to an Expert](/ja/about/get-in-touch/request-a-demo)

## Embrace the AI-Powered Future of the London Market

Become a data-driven, digital organisation built on a scalable cloud platform with embedded AI. Make everyone an expert and empower your teams to improve risk selection, reduce losses, enhance communication, and satisfy customers. With Guidewire’s Agentic Framework, you have the flexibility to build, test, and govern your own custom AI agents, or simply deploy our prebuilt AI assistants directly into your workflows on a secure, enterprise-grade architecture.

[Download the Solution Brief](https://explore.guidewire.com/c/guidewire-for-the-london-market?x=BsThYi&_gl=1*rxh9xb*_gcl_au*NDI2NDY2NzczLjE3NzM4NTQzMjQuMTc4MzM3NDU1Mi4xNzc4MTcwMzgyLjE3NzgxNzA0NjY.*_ga*MTM2NzczNzgyLjE3NjEwNjEwOTM.*_ga_LN5WM89V7V*czE3Nzk4MTI1NDgkbzIyNyRnMSR0MTc3OTgxMzEwMyRqNjAkbDAkaDA.)

### Improve Risk Selection with Intelligent Underwriting

Select, price, and manage risks smartly with an AI-powered underwriting experience. Underwriter expertise is augmented by core-integrated, agentic AI for faster, smarter risk decisions directly on one unified desktop. Submissions arrive in [UnderwritingCenter](/ja/products/core-products/insurancesuite/underwritingcenter-insurance-underwriting-software) already ingested, with the risk data summarized and an initial AI-generated risk score attached.

![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/london-market/london--optimize-outperform--1080w.jpg?h=598&iar=0&w=1080)

### Smarter, Faster Claims Resolution

Assess, agree, and settle claims efficiently with smart segmentation, and seamless ECF Write-back integration. With the [ProNavigator AI](/ja/products/technology/insurance-ai-from-guidewire/pronavigator) assistant embedded inside [ClaimCenter](/ja/products/core-products/insurancesuite/claimcenter-claims-management-software), adjusters instantly receive estimated severity, flagged fraud signals, and recommended next steps. Accelerate investigations with intelligent claims summarisation, which distills complex claim files into concise insights, cutting down manual claims review time by 80%.

![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/london-market/london-customer-centric--1080w.jpg?h=598&iar=0&w=1080)

### Enhance Communication with Teams, Partners, and Customers

Collaborate easily across internal teams on a unified platform, and communicate instantly with external partners with comprehensive London Market messaging.

![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/london-market/london--embrace-innovation--1080w.jpg?h=597&iar=0&w=1080)

## The Proven Foundation for the Global Insurance Market

30% of P&C gross written premium goes through Guidewire globally, and we have brought that experience to the London Market for more than a decade. By learning from the largest pool of P&C data in the industry, our AI models are predicting trends and driving profitability. From pre- to post-bind, first notice of loss to close, and everything in between, Guidewire connects you to the world’s insurance market.

![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/london-market/london-market--597x541-2x.png?h=1082&iar=0&w=1194)

## Turn Submissions Into Decisions on One AI-Powered Desktop

Select, price, and manage risks intelligently on an agentic, enterprise-grade underwriting application that improves decision quality and speed from submission and risk selection to renewal. Unlike standalone workbenches that create disconnected data islands, UnderwritingCenter leverages a scalable cloud platform and shared architecture across pre- and post-bind activities, eliminating duplication of business functionality. Make accurate decisions with risk insights at the point of need, through Guidewire [Industry Intel](/ja/products/analytics/industry-intel), [HazardHub](/ja/products/analytics/hazardhub-risk-data), [Predict](/ja/products/analytics/predict), and [Cyence](/ja/products/analytics/cyence).

## Flexible Policy Servicing Across the Lifecycle

![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/london-market/london-flexible-policy-servicing--553w.jpg?h=292&iar=0&w=553)

Manage the life of your policies with ease, from accounting to settlement via central services for all market bureaus, from mid-term endorsements to out-of-sequence transactions, and from renewals to cancellations. Guidewire provides the platform to handle business flexibly, with built-in London Market messaging so you can negotiate effectively, enhance relationships, and grow business. Empower your service teams with ProNavigator inside PolicyCenter, which puts complex policy answers on screen instantly so your team never has to transfer, hold, or search through separate chatbots.

## Claims Management

![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/london-market/claims-management-image.png?h=208&iar=0&w=532)

Enable swift assessment and settlement of claims via ECF Write-Back or manually. Segment and triage claims with business rules that you control; identify high-severity claims and assign work quickly to the appropriate adjuster.  Automate processes, including the processing of low-severity claims; and avoid delays with a connected platform that features multiple messaging channels for Lloyd’s and Company markets - including ECF and SCM, allowing claims handlers to work efficiently in a single claims system.

## See Guidewire in Action with an

Interactive Demo

## Guidewire が実現するシームレスな体験

変化の激しい保険市場で成長し続けるために必要なすべてを提供します。厳選されたアプリケーションから、信頼できるパートナー、充実のトレーニング、業界でのコラボレーションまで、Guidewire はそのすべてをひとつに繋ぎます。

### Application Marketplace

![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/ecosystem/ecosystem-icon-1-2.svg?iar=0)

[詳細はこちら](https://marketplace.guidewire.com/?_gl=1*8ax4er*_gcl_au*MTcxMzgxMjg1My4xNzQ4ODc4NDU1*_ga*NjgzODU2NzgzLjE3MzY1NDExODU.*_ga_LN5WM89V7V*czE3NTUwMTY0NDUkbzc2NiRnMSR0MTc1NTAxNzc5MyRqNTAkbDAkaDA.)

Guidewire Marketplace を活用し、コアシステムの容易な機能拡張とイノベーションの加速を同時に実現します。事前構築・検証済みのインシュアテックソリューションや周辺アプリケーションを厳選して取り揃えたMarketplaceを活用し、カスタム開発の負荷を抑えつつ、新たな機能を迅速に導入し、自社サービスを効果的に強化できます。

### ドキュメント

![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/ecosystem/ecosystem-icon-2-2.svg?iar=0)

[詳細はこちら](https://docs.guidewire.com/)

最新の製品ドキュメント、実装ガイド、技術仕様にアクセスできます。これらの公式資料は、システム構成の最適化、コンプライアンスの確保、プラットフォームを最大限に活用するための重要な参考資料となります。

### コンサルティングパートナーおよびテクノロジーパートナー

![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/ecosystem/ecosystem-icon-3-3.svg?iar=0)

[詳細はこちら](/ja/partners/for-guidewire-partners-partnerconnect/consulting-partners)

業界屈指の規模を誇る認定コンサルティングパートナー、およびテクノロジーパートナーのエコシステムをご利用いただけます。実績ある手法に精通した信頼できる専門家が、迅速な導入から将来的なスケーリングまで支援し、基幹システムのモダナイゼーションをプロジェクト初期段階から着実に推進させます。

### 開発者向けリソースとドキュメント

![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/ecosystem/ecosystem-icon-4-2.svg?iar=0)

[詳細はこちら](/ja/developers/developer-resources)

堅牢な開発者ツール、包括的な SDK、API ドキュメントにより、IT チームと導入パートナーを支援します。これらのリソースは、効果的なカスタマイズや既存のエンタープライズアーキテクチャとのシームレスな連携を促進し、Guidewire をお客様固有のビジネス要件に的確に適応させることを可能にします。

### お客様コミュニティとコラボレーショングループ

![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/ecosystem/ecosystem-icon-5-3.svg?iar=0)

[詳細はこちら](https://community.guidewire.com/s/group/CollaborationGroup?_gl=1*1myrjuh*_gcl_au*MTcxMzgxMjg1My4xNzQ4ODc4NDU1*_ga*NjgzODU2NzgzLjE3MzY1NDExODU.*_ga_LN5WM89V7V*czE3NTUwMTY0NDUkbzc2NiRnMSR0MTc1NTAxNzc5MCRqNTMkbDAkaDA.)

世界中の Guidewire ユーザーのお客様によるコミュニティに参加し、ベストプラクティスや知見を共有し、同じ課題に向き合う他社と意見交換しながら、より良いソリューションを検討していくことができます。この集合知がイノベーションを加速し、成功への共通の道筋を築きます。

### Guidewire 主催イベント

![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/ecosystem/ecosystem-icon-6-2.svg?iar=0)

[詳細はこちら](/ja/about/events)

Guidewire Connections、Insurance Forum、Developer Forum などのグローバルイベントでは、Guidewire のエキスパートやお客様、業界リーダーとの交流の場を提供します。Guidewire のイベントは、世界の保険業界と各地域の視点を結びつけ、最新トレンドや実務的なソリューション、同業他社とのコラボレーションにつながる機会を生み出します。アイデアを交換し、専門知識を深めるための信頼できる対話の場として、お客様が変化に対応しながら戦略を策定していく上で有用な知識と洞察を得ることができます。

### 信頼とセキュリティ

![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/ecosystem/ecosystem-icon-7-2.svg?iar=0)

[詳細はこちら](/ja/resources/help-and-support/trust-and-security)

厳格なセキュリティプロトコルと業界のベストプラクティスに基づいて構築されたプラットフォームで、安心して運用できます。Guidewire は、データプライバシー、規制順守、システムレジリエンスを重視し、機密性の高い保険契約者情報と重要な業務を管理するために必要な信頼の基盤を提供します。

### サポート、教育、トレーニング

![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/ecosystem/ecosystem-icon-9.svg?iar=0)

[詳細はこちら](https://education.guidewire.com/)

専任の Guidewire サポートにより投資効果を最大化し、継続的な運用安定性と迅速な問題解決を実現します。包括的な教育プログラムと専門的なトレーニングカリキュラムにより、ビジネスユーザーから技術スペシャリストまで、チームが Guidewire の機能を習得し、最適なビジネス成果を推進できるよう支援します。

## Proven Experience. Earned Trust.

![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/a-c/customer-logo-allianz--350w.png?h=350&iar=0&w=350)

![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/a-c/customer-logo-arch--350w.jpg?h=350&iar=0&w=350)

![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/partners/aa-partner-logos---350w/partner-logo-aspen-insurance--350w.png?h=350&iar=0&w=350)

![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/a-c/customer-logo-aviva--350w.jpg?h=350&iar=0&w=350)

![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/a-c/customer-logo-axa--350w.png?h=350&iar=0&w=350)

![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/a-c/customer-logo-beazley--350w.jpg?h=350&iar=0&w=350)

![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/partners/aa-partner-logos---350w/partner-logo-everest--350w.png?h=350&iar=0&w=350)

![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/partners/aa-partner-logos---350w/partner-logo-liberty-specialty--350w.png?h=350&iar=0&w=350)

![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/j-q/customer-logo-qbe--350w.jpg?h=350&iar=0&w=350)

![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/partners/aa-partner-logos---350w/partner-logo-rsa-insurance--350w.png?h=350&iar=0&w=350)

![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/partners/aa-partner-logos---350w/partner-logo-sompo-international--350w.png?h=350&iar=0&w=350)

![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/t-z/customer-logo-tokio-marine-hcc-vert--350w.jpg?h=350&iar=0&w=350)

![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/partners/aa-partner-logos---350w/partner-logo-tokio-marine-kiln--350w.png?h=350&iar=0&w=350)

![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/t-z/customer-logo-zurich--350w.jpg?h=350&iar=0&w=350)

See what our customers say

### Beazley

#### Adam Rich

Head of Underwriting Technology

[Read Their Story](/ja/customers/success-stories/beazley-plc)

![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/london-market/customer-quote-carousel--beazley-adam-rich--16x9--1080w.png?h=607&iar=0&w=1080)

We have been a longtime Guidewire ClaimCenter customer, and Guidewire Cyence will enhance our ability to capture and analyze claims data to deliver insight that can help design new products and go-to-market strategies.

### Liberty Specialty Markets

#### Mike Gillett

Chief Claims Officer

![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/london-market/customer-quote-carousel--liberty-mike-gillett--16x9--1080w.png?h=607&iar=0&w=1080)

We are impressed by the ability of the Guidewire platform to offer end-to-end claims management and tracking, as well as ECF Write-Back integration, workflow, and email incorporation. With this go-live we are now able to use a single claims system for our business in London. This is a significant step for us in our strategy to build data-driven business models, with consistent operational data all in one place.

## Guidewire by the Numbers

### 15

years of experience powering innovation in the London Market. We are an accredited ECF Write-Back vendor and licensed ACORD Integrator Partner.

### 14+

insurers and reinsurers leverage Guidewire to operate and thrive in the London Market.

### 30%

of global P&C premium passes through Guidewire core systems, including complex commercial and specialty insurance business.

## Frequently Asked Questions

### How does Guidewire incorporate AI into London Market workflows?

Instead of bolting AI onto the outside of your systems, [Guidewire natively embeds agentic AI](/ja/products/technology/insurance-ai-from-guidewire)directly into your core workflows. Through capabilities like UnderwritingCenter, ProNavigator, and Claims Summarisation, specialized AI assistants answer questions from your policy data, automate manual data extraction, summarize complex risk files in seconds, and guide submissions through prioritized workflows. For bespoke needs, our Agentic Framework allows your developers to build and govern your own custom AI agents.

### Is Guidewire’s AI secure and reliable for complex commercial and specialty lines?

Yes. Guidewire's GenAI Services are built on an enterprise architecture that provides strict governance, security, transparency, and scalability. Unlike standalone AI workbenches that create disconnected data islands, our AI is deeply integrated with your system of record to ensure data integrity. Furthermore, our models aren't guessing—they are learning from the largest pool of P&C data in the industry to help you predict trends safely and drive profitability.

### What is the advantage of using Guidewire Cloud for London Market insurers?

[Guidewire Cloud Platform (GWCP)](/ja/products/technology/guidewire-cloud) provides the scalable, secure, and proven foundation required to operate in a rapidly modernizing market. By moving to the cloud, insurers benefit from continuous updates—meaning you always have access to the latest intelligent capabilities, AI models, and market mandates without disruptive upgrade projects.

### Does Guidewire support the full London Market policy lifecycle?

Yes, Guidewire’s PolicyCenter covers the full policy lifecycle, from pre-bind, quote, through to book and bind, as well as endorsements, cancellations, and renewals, with full support for Bureau messaging.

### How does Guidewire support underwriting and pre-bind processes in the London Market?

Guidewire offers extensive underwriting capabilities in the London Market, with unprecedented risk insights that enable smarter underwriting decisions. Guidewire supports the entire pre-bind process, including submission management, risk assessment, risk structuring, pricing, premium and taxes, team management, and more.

### How does Guidewire support post-bind processes in the London Market?

Guidewire offers extensive post-bind functionality. Policy administration is streamlined with full support for bureau signing and settlement messaging, mid-term adjustments, renewals, and cancellations. Claim processing and settlements are made more efficient with full support for ECF Write-back and London Market messaging. Billing and financial transactions are fully integrated to ensure accurate and timely reconciliation.

Guidewire automates and streamlines post-bind policy servicing for London Market risks, including renewals, MTAs, and cancellations, as well as full support for bureau signing and settlement messaging. Claims are handled through native workflows or London Market accounting and settlement messages, including ECF Write-Back. Billing and financial transactions are fully integrated to ensure accurate and timely reconciliation.

### Does Guidewire support bureau and non-bureau business?

Yes, Guidewire supports both bureau and non-bureau business, providing insurers with a single source of truth for their entire book of business. Bureau business, conducted through Lloyd’s and Company markets, is supported by PolicyCenter and includes comprehensive messaging capabilities for premium accounting and settlement. Non-bureau business, such as risks brought to market by non-London brokers, is managed centrally through BillingCenter, ensuring efficient invoicing and cash management.

### Does Guidewire enable managing London and non-London books of business on a single platform?

Yes, multi-market placements are supported out of the box. Key platform capabilities that enable this include multi-currency, multi-jurisdiction, multi-entity and multi-language support. This enables insurers to manage their books of business in and outside of London on a single platform, ensuring data consistency, and reduces the complexity and costs associated with managing multiple systems.

### Does Guidewire support dual-stamp processing?

Yes, Guidewire PolicyCenter supports dual stamp processing. The platform supports risks with multiple stamps per section/layer, allowing multiple syndicates, multiple companies or a combination of syndicates and companies writing in parallel with respective shares per entity. Stamps against different legal entities on the same section/layer are also fully supported when considering signing and settlement messaging processing.

### Is Guidewire cloud-based and scalable for London Market insurers?

Yes. Guidewire offers a secure, scalable cloud platform delivered via SaaS and tailored to the demands of global commercial and specialty insurers, including those operating in the London Market. Cloud deployment also enables continuous, painless updates, resilience, and cost predictability.

### How does Guidewire integrate with the wider London Market ecosystem?

Guidewire is designed to integrate seamlessly with all market participants, including Lloyd’s of London, regulatory providers such as the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA), and third parties like managing agents and brokers. In addition, [Guidewire Marketplace](https://marketplace.guidewire.com/s/?language=en_US&_gl=1*10qvqjv*_gcl_au*MTEwMjgyNTg3Ny4xNzQzMDcyNzYy*_ga*NTE3NDM2OTkyLjE3NDMwNzI3NjI.*_ga_LN5WM89V7V*MTc0MzU4NDk5NC43LjEuMTc0MzU4NjY0NC42MC4wLjA.) provides access to the industry’s largest ecosystem of InsurTech innovation, featuring solutions for submission ingestion, pricing, exposure management, bordereaux management, coverholder business, and more.

### Does Guidewire feature full support for London Market Messaging?

Yes, Guidewire offers full support of Central Services messaging including support for signing (USM, ILUCSM/CSMCST, DSIGN), settlement (USM, ILUCSB, WSETT) and claims advice messages (SCM, CLMILC, CLMLRC).

### Does Guidewire support ECF Write-Back?

Yes, Guidewire supports ECF Write-Back. Guidewire's ClaimCenter integrates with ECF Write-Back, enabling real-time updates and interactions between ClaimCenter and the market's central repository. This ensures that all parties have access to the most current information, streamlining the claims process, increasing efficiency, and reducing processing times.

### How do Guidewire AI and Analytics help London Market insurers with risk assessment and underwriting?

By combining third-party data enrichment, submission prioritization scoring, and predictive models directly into the underwriting workflow, Guidewire provides a complete, unified picture of risk. This eliminates time-consuming manual research and allows underwriters to make data-driven, portfolio-level judgments instantly.

### How does Guidewire support delegated authority and coverholder business?

Guidewire supports delegated authority arrangements through configurable workflows, data capture, and reporting capabilities that ensure transparency and oversight. Insurers can manage coverholder agreements, bordereaux submissions, and compliance tracking within the same platform — reducing manual reconciliation and enhancing trust across distribution partnerships.

Guidewire supports delegated authority arrangements through configurable workflows, data capture, and reporting capabilities that ensure transparency and oversight. Insurers can manage delegated authority facilities as binders, bulking or non-bulking lineslips, and support coverholder reporting premium for declarations under those facilities in several levels of granularity; in block, in bordereaux, or in policy-like representations of the declaration. Reported premium can be recorded against, and erode EPI, contributing to an accurate financial picture of actual and estimated premium.

### Does Guidewire have experience in supporting global commercial and specialty customers?

Yes, Guidewire has extensive experience in supporting many global commercial and specialty insurers. The platform is designed to cater to the needs of commercial insurers underwriting complex policies in multiple countries, jurisdictions, and currencies. Additionally, Guidewire supports complex commercial requirements, including coinsurance, fronting, and tiered program structures.

Guidewire powers global commercial and specialty insurers across multiple regions and lines of business. The platform supports multi-currency, multi-jurisdictional needs and complex structures such as dual-stamp, coinsurance, delegated authority, and program layering.

## Learn More About Guidewire for the

London Market



Request a call, schedule a demo, or ask a question.

## More Resources

EBOOK

![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/london-market/ebook-underwrite-smartly--560w.jpg?h=320&iar=0&w=560)

[Underwrite Smartly in the London Market on a Single, End-to-End Platform](https://explore.guidewire.com/c/london-market-ebook?x=BsThYi)

[See All Resources](https://explore.guidewire.com/c/1asql9e4iuw?x=BsThYi)
