--- title: "Core P&C Insurance Products: Billing, Policy, Claims, Pricing, Underwriting" description: "Transform P&C insurance with Guidewire’s core products. Revolutionize operations and drive innovation with our billing, claims, policy, pricing, and underwriting solutions." url: "https://www.guidewire.com/products/core-products.md" language: "en" locale: "en" --- # Core P&C Insurance Products: Billing, Policy, Claims, Pricing, Underwriting Transform P&C insurance with Guidewire’s core products. Revolutionize operations and drive innovation with our billing, claims, policy, pricing, and underwriting solutions. ## P&C Insurance Software Core Products [Speak to an Expert](/en/about/get-in-touch/request-a-demo) Guidewire delivers the core systems insurers rely on to operate with confidence today and innovate for the future. ### InsuranceSuite Power the complete insurance lifecycle. ![InsuranceSuite](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/core-products/01-insurancesuite-2x-web.png?h=822&iar=0&w=1410) ### PolicyCenter Speed to grow and agility to scale. ![PolicyCenter](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/core-products/03-policycenter-2x-web.png?h=822&iar=0&w=1410) ### ClaimCenter Better, faster claim outcomes. ![ClaimCenter](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/core-products/04-claimcenter-2x-web.png?h=822&iar=0&w=1410) ### BillingCenter Drive loyalty and eliminate leakage. ![BillingCenter](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/core-products/05-billingcenter-2x-web.png?h=822&iar=0&w=1410) ### PricingCenter Pricing velocity at enterprise scale. ![PricingCenter](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/core-products/06-pricingcenter-2x-web.png?h=822&iar=0&w=1410) ### UnderwritingCenter Turn Submissions into better, faster decisions. ![UnderwritingCenter](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/core-products/07-underwritingcenter-2x-web.png?h=822&iar=0&w=1410) ### InsuranceNow Launch quickly, grow with confidence. ![InsuranceNow](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/core-products/02-insurancenow-2x-web.png?h=822&iar=0&w=1410) ## Modernizing P&C Insurance for a Digital, Data-Driven Future P&C insurers face nonstop change. Customers expect more, distribution models keep evolving, and new risks emerge as climate and regulation shift. To stay ahead, insurers need a core platform that adapts alongside them and builds lasting trust with every interaction. **Guidewire is the P&C insurance software platform insurers rely on to adapt and lead.** - 540+ insurers in 40 countries run on Guidewire - 1,600+ successful implementations worldwide - The largest R&D team in the P&C industry - The broadest partner ecosystem, delivering hundreds of pre-built integrations ## Guidewire Insurance Software Core Products Overview ## InsuranceSuite [Learn More](/en/products/core-products/insurancesuite) Our core platform for P&C insurers. InsuranceSuite brings together PolicyCenter, ClaimCenter, and BillingCenter through Guidewire Cloud to power the full insurance lifecycle. Built to give mid-sized and large insurers the flexibility and scale they need for smooth, connected operations ## InsuranceSuite [Learn More](/en/products/core-products/insurancesuite) Our core platform for P&C insurers. InsuranceSuite brings together PolicyCenter, ClaimCenter, and BillingCenter through Guidewire Cloud to power the full insurance lifecycle. Built to give mid-sized and large insurers the flexibility and scale they need for smooth, connected operations ## InsuranceNow [Learn More](/en/products/core-products/insurancenow) An end-to-end platform built for regional and super-regional insurers and MGAs. Comes ready with pre-configured lines of business so teams can launch quickly and grow with confidence ## Connected Applications Built for What Insurers Do Every Day InsuranceSuite includes Guidewire Centers. These purpose-built applications handle critical insurance functions like policy, billing, claims, underwriting, and pricing. Together, they form a connected core system that gives insurers the flexibility to adapt and keep pace with change. ## PolicyCenter: Modern Insurance Policy Administration [Learn More](/en/products/core-products/insurancesuite/policycenter-insurance-policy-administration) Manages the full policy lifecycle, from quote to renewal, in one connected system. Flexible configuration tools let insurers model and deploy new products quickly. PolicyCenter works with billing and claims to keep data consistent across the business, helping underwriters make faster, more informed decisions. ![PolicyCenter screen - Prioritize Policyholder Experiences](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/policycenter/policy-center-prioritize-policy-holder-experiences--no_frame.jpg?h=640&iar=0&w=1137) ## ClaimCenter: Intelligent Claims Management Software [Learn More](/en/products/core-products/insurancesuite/claimcenter-claims-management-software) Handles the entire claims process, from first notice of loss to settlement, in one connected system. Automation and built-in intelligence help insurers streamline assignment, fraud detection, and adjudication while giving adjusters a complete view of every claim. The result is faster resolution, stronger control, and better claimant experiences. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/claimcenter/claimcenter_be-customer-centric--no_frame.jpg?h=639&iar=0&w=1137) ## BillingCenter: Flexible Insurance Billing Solutions [Learn More](/en/products/core-products/insurancesuite/billingcenter-insurance-billing-software) Supports every type of billing process, from direct and agency to installment and usage-based payments. Built-in automation and digital invoicing help insurers reduce errors, accelerate receivables, and expand payment options for policyholders while improving visibility across finance operations. ![BillingCenter screen - automate for agility](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/billingcenter/billingcenter_automate_for_agility--no_frame.jpg?h=640&iar=0&w=1137) ## PricingCenter: Rate Changes at the Speed to Lead Your Market [Learn More](/en/products/core-products/insurancesuite/pricingcenter-insurance-pricing-software) Leverage explainable AI and advanced analytics within a unified pricing and rating environment to end the months-long relay race between your actuaries and IT. Instantly model new risks, validate them against your portfolio, and deploy precise, profitable rates to stay ahead of the competition in any market, worldwide. ![Four graphs](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/pricingcenter/pricing-center-tab-1--748w.jpg?h=693&iar=0&w=1240) ## Underwriting Center: Risk Assessment and Deal Shaping [Learn More](/en/products/core-products/insurancesuite/underwritingcenter-insurance-underwriting-software) Shift the underwriting paradigm from a static, wait and process approach to an intelligent, dynamic, event-driven workflow that automatically guides submissions through the underwriting lifecycle, minimizing manual processes and freeing underwriters to focus on what matters most: making expert, judgment-driven decisions and structuring profitable deals with confidence. ![screenshot - Guidewire UnderwritingCenter > My Submissions](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/underwritingcenter/underwritingcenter-screen--900w.jpg?h=563&iar=0&w=900) ## What Guidewire Core Products Deliver Designed to help insurers work more efficiently and improve customer experiences to stay competitive in a changing market ## Business Agility Respond quickly to market shifts and adapt with ease as new regulations or opportunities appear ## Operational Efficiency Automate routine tasks and using accurate, accessible data to move faster and make better decisions ## Customer and Agent Experience Improve every touchpoint with faster quoting, transparent claims handling, and flexible payment experiences ## Speed to Market Launch products faster with configurable rules, pre-built templates, and an extensive integration network ## Cost Management Reduce infrastructure spend with SaaS deployment and automated updates ## Future-Ready Foundation Grow without limits. Bring in new technologies with ease and keep innovation moving without being held back by legacy systems ## How Guidewire Insurance Software Helps Insurers Perform at Their Best Built with capabilities that strengthen performance at every level, from operations and analytics to innovation and growth ## Scalable SaaS Architecture Handle growing demand confidently with performance and reliability that scale as your business does ## Configurable Design Tools Change products and workflows quickly without long development cycles or IT bottlenecks ## Open Integration Framework Connect easily to the systems and partners you rely on through a broad marketplace of ready-to-use integrations ## Embedded Data and Analytics Make informed decisions in underwriting, claims, and billing with built-in, real-time insights ## Modular Deployment Add new capabilities or upgrade existing ones without re-platforming or disruption ## Compliance and Security Alignment Meet SOC 2, ISO 27001, GDPR, and other regulatory standards ## Pre-Configured Content Get up and running faster with ready-to-use templates and workflows designed for insurance ## AI-Driven Decision Support Use explainable AI to strengthen decisions across underwriting, claims, and customer interactions. Improve accuracy and efficiency while opening new paths for growth ## Choosing Your Guidewire Core Platform | #### Criteria | #### InsuranceSuite | #### InsuranceNow | | --- | --- | --- | | Geography | Global availability | US only | | Currency | Multi-currency | Single-currency | | Language | Multi-language | English only (multi-language documents supported) | | IT Capacity | Robust and mature IT capability; able to engage deeply in both implementation and ongoing operations | Generally, modest or developing IT capability; potentially looking for outsourced support | | Platform Goal | The best solution on the market, with modular deployment many and tools externalized from the core | A powerful, proven, and affordable core platform that delivers disproportionate value for the investment | | DWP | Typically $300M and above, but with customers below $100M | Typically $300M and below, but with customers above $1B | | | [Learn More About InsuranceSuite](/en/products/core-products/insurancesuite) | [Learn More About InsuranceNow](/en/products/core-products/insurancenow) | ## Why Guidewire’s Data-Driven Insurance Platform? Differentiators-at-a-Glance ### Modern, Flexible Architecture - Modular design that scales with growth and market change - Upgrades applied without service disruption - Security and compliance aligned with globally recognized standards ### Configurable Product and Process Design - Tools to adapt products, rating, workflows, and rules with speed - Fast rollout of updates across multiple lines of business ### Extensive Integration Ecosystem - Hundreds of pre-built connections in the Guidewire Marketplace - KPIs for real-time data exchange with distribution, partners, and data providers ### Embedded Analytics and Intelligence - HazardHub, Predict, and Data Studio embedded directly into workflows - Delivers real-time risk scoring, intelligent underwriting, and automation in claims handling ## Proven Experience, Earned Trust ![logo - Allianz](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) ![logo - Amica](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/a-c/customer-logo-amica--350w.jpg?h=350&iar=0&w=350) ![logo - Farm Bureau Insurance - A Michigan Company](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/d-i/customer-logo-farm-bureau-michigan--350w.jpg?h=350&iar=0&w=350) ![logo - ICBC](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/d-i/customer-logo-icbc--350w.jpg?h=350&iar=0&w=350) ![logo - Mercury Insurance](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/j-q/customer-logo-mercury-insurance--350w.jpg?h=350&iar=0&w=350) ![logo - Nationwide](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/j-q/customer-logo-nationwide--350w.png?h=350&iar=0&w=350) ![logo - Rakuten](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/r-s/customer-logo-rakuten--350w.jpg?h=350&iar=0&w=350) ![logo - Tokio Marine](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/t-z/customer-logo-tokio-marine--350w.png?h=350&iar=0&w=350) ![logo - Tryg](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/t-z/customer-logo-tryg--350w.jpg?h=350&iar=0&w=350) ![logo - Zurich](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) ![logo - American Integrity](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/a-c/customer-logo-american-integrity--350w.jpg?h=350&iar=0&w=350) ![logo - Andover Companies](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/a-c/customer-logo-andover-companies--350w.jpg?h=350&iar=0&w=350) ![logo - Armed Forces Insurance](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/a-c/customer-logo-armed-forces-insurance-exchange--350w.jpg?h=350&iar=0&w=350) ![logo - The Barnstable](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/a-c/customer-logo-barnstable--350w.jpg?h=350&iar=0&w=350) ![logo - The Co-operative Insurance Companies](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/a-c/customer-logo-cooperative-insurance--350w.jpg?h=350&iar=0&w=350) ![logo - Cornerstone National Insurance Company](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/a-c/customer-logo-cornerstone-national-insurance-company--350w.jpg?h=350&iar=0&w=350) ![logo - Dryden Mutual Insurance Company](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/d-i/customer-logo-dryden-mutual-insurance-company--350w.jpg?h=350&iar=0&w=350) ![logo - Farmers Union Insurance](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/d-i/customer-logo-farmers-union-mutual--350w.jpg?h=350&iar=0&w=350) ![logo - Madison Mutual Insurance Company](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/j-q/customer-logo-madison-mutual--350w.jpg?h=350&iar=0&w=350) ![logo - Mississippi Windstorm Underwriting Association](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/j-q/customer-logo-mississippi-windstorm-underwiriting--350w.jpg?h=350&iar=0&w=350) ![logo - Mutual Assurance](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/j-q/customer-logo-mutual-assurance-society--350w.jpg?h=350&iar=0&w=350) ![logo - NCJUA | NCIUA](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/j-q/customer-logo-north-carolina-joint-underwriting--350w.jpg?h=350&iar=0&w=350) ![logo - Northern Neck Virginia Insurance](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/j-q/customer-logo-northern-neck--350w.jpg?h=350&iar=0&w=350) ![logo - Oklahoma Farm Bureau](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/j-q/customer-logo-oklahoma-farm-bureau--350w.jpg?h=350&iar=0&w=350) ![logo - The Philadelphia Contributionship](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/j-q/customer-logo-philadelphia-contributionship--350w.jpg?h=350&iar=0&w=350) ![logo - Rockford Mutual Insurance Company](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/r-s/customer-logo-rockford-mutual-insurance-company--350w.jpg?h=350&iar=0&w=350) ![logo - Southern Pioneer](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/r-s/customer-logo-southern-pioneer--350w.jpg?h=350&iar=0&w=350) ![logo - Topa Insurance](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/t-z/customer-logo-topa-insurance--350w.jpg?h=350&iar=0&w=350) ![logo - Union Mutual](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/t-z/customer-logo-union-mutual--350w.jpg?h=350&iar=0&w=350) ![logo - Vermont Mutual Insurance Group](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/t-z/customer-logo-vermont-mutual--350w.jpg?h=350&iar=0&w=350) See what our customers say ### Mountain West Farm Bureau #### Tim Hays Vice President and Chief Information Officer [Read the Story](/en/customers/success-stories/mountain-west-farm-bureau) ![Tim Hayes - Mountain West Farm Bureau](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/insurancesuite/customer-quote-carousel--mwfb-tim-hayes--16x9.png?h=607&iar=0&w=1079) The cloud product — especially the power of the cloud infrastructure in terms of speed and capabilities — is a force-multiplier. The ability to spin up environments at speeds that weren’t possible prior to this is, quite frankly, a game changer for everyone. ### Aioi Nissay Dowa NZ #### Adrian Thompson Former COO [Read the Story](/en/customers/success-stories/aioi-new-zealand) ![Adrian Thompson - Aioi Nissay Dowa Insurance](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/insurancesuite/customer-quote-carouse--aioi-adrian-thompsonl--16x9--1080w.png?h=607&iar=0&w=1080) We’re already seeing that the automation for new business intake has been cut from 13 manual steps to get active and live in our system down to zero. This means I can take in about double the business without growing my policy team at all. ### USAA #### Mary Beth Eckert CEO, Former SVP for Corporate and Insurance Technology, CIO ![Mary Beth Eckert - USAA](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/insurancesuite/customer-quote-carouse--usaa-mary-beth-eckert--16x9--1080w.png?h=607&iar=0&w=1080) We can cover small business and protect our members on the personal side, as well as the business side. This is a Guidewire policy solution, greenfield, out of the box, integrated all the way through to the back end with a digital front end. This is [USAA's] fastest product launch at nine months. ### CURE Auto Insurance #### Doug Benalan CIO [Read the Story](/en/customers/success-stories/citizens-united-reciprocal-exchange-cure) ![Doug Benalan - CURE Auto Insurance](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/insurancenow/customer-quote-carousel--cure-auto-insurance-doug-benalan--16x9--1080w.png?h=607&iar=0&w=1080) We were able to implement on time and on budget. InsuranceNow is an open API-based and flexible system that offers a significant advancement from what we were using in the past. ### NCJUA / NCIUA #### Gina Hardy Chief Executive Officer & General Manager [Read the Story](/en/customers/success-stories/north-carolina-joint-underwriting-association) ![Gina Hardy - NCJUA/NCIUA](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/insurancenow/customer-quote-carousel--ncjua-nciua-gina-hardy--16x9--1080w.png?h=607&iar=0&w=1080) By going with a system without customizations, we’re able to deliver a state-of-the-art system with the best, newest technology that Guidewire has to offer. ### Armed Forces Insurance #### Arlen Briggs CEO ![Arlen Briggs - Armed Forces Insurance](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/insurancenow/customer-quote-carousel--armed-forces-insurance-arlen-briggs--16x9--1080w.png?h=607&iar=0&w=1080) We serve the military community—active duty and retired folks who may need to be able to be serviced 24/7. We have to have the technology to be able to support our customers however they want to do business with us. InsuranceNow has been a game changer. ## More InsuranceSuite Resources Brochure ![cover - InsuranceSuite data sheet](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/resources/data-sheets---brochures/data-sheet-image-insurancesuite--560w.jpg?h=320&iar=0&w=560) [InsuranceSuite Brochure](https://explore.guidewire.com/c/insurancesuite_broch?x=Dhej0j) [See All Resources](https://explore.guidewire.com/c/one-inc-for-guidewire-is-and-in-ds?x=Dhej0j) [Aioi NZ Grows Its Business Through New Products Improved Processes And Enhanced Customer Experiences](https://explore.guidewire.com/c/cs-aioi-nz-grows-through-products?x=Dhej0j) Case Study [Caixa Seguradora Delivers Omnichannel Customer Solutions](https://explore.guidewire.com/c/caixa-seguradora-del?x=Dhej0j) Case Study [SmartCOMM for InsuranceSuite](https://explore.guidewire.com/c/ds-smartcomm-for-insurancesuite?x=Dhej0j) Data Sheet ## More InsuranceNow Resources Data Sheet ![title page - InsuranceNow for MGAs data sheet](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/insurancenow/ds-insurancenow-for-mgas--560w.jpg?h=320&iar=0&w=560) [InsuranceNow for MGAs](https://explore.guidewire.com/c/ds_insurancenow_for_mgas?x=gtO-tH) [See All Related Resources](https://explore.guidewire.com/c/preparing-core-systems-replacement--webinar?x=gtO-tH) [InsuranceNow and Guidewire Cloud Platform](https://explore.guidewire.com/c/insurancenow-guidewire-cloud-platform--webinar?x=gtO-tH) Webinar [InsuranceNow Go Data Sheet](https://explore.guidewire.com/c/insurancenow-go?x=gtO-tH) Data Sheet [Five Ways Smaller Insurers Can Work Smarter](https://explore.guidewire.com/c/en-webinar-5wayssmal?x=gtO-tH) Webinar