{"product_id":"trean-business-model-canvas","title":"Trean Insurance Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBusiness Model Canvas: Compact Blueprint for Value, Channels, Partners and Revenue Streams\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eUnlock the complete Business Model Canvas for Trean Insurance and see how its value propositions, channels, and revenue streams deliver competitive advantage. This concise, actionable document breaks down key partnerships, cost structure, and growth levers. Ideal for investors and strategists seeking a ready-to-use blueprint—download the full Word and Excel files to benchmark and adapt proven tactics.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eManaging general agents\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eIn 2024 MGAs originate and underwrite niche programs, extending Trean’s market reach without heavy fixed distribution costs. They bring specialized underwriting expertise and established broker relationships that accelerate placement. Trean supplies paper, capacity, and governance to ensure performance, with incentives aligned via commission structures and profit-sharing arrangements.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProgram administrators\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eProgram administrators manage end-to-end operations for targeted classes—underwriting, distribution and servicing—while Trean supplies licensing, capital and compliance oversight; this model often shortens time-to-market from 12–18 months to roughly 3–6 months. Clear SLAs and real-time performance dashboards monitor KPIs such as premium velocity, loss ratio and attachment rates to maintain discipline.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eReinsurers and fronting partners\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eReinsurers provide capacity, volatility smoothing and capital efficiency, with industry reinsurance capacity up ~3% year-on-year in 2024 supporting larger programed limits. Structured quota-share and excess-of-loss treaties protect Trean’s underwriting results by ceding a defined share and attaching excess protection for peak loss layers. Fronting relationships enable program scale and access to niche risks otherwise uninsurable. Joint governance with partners aligns risk appetite and pricing through shared underwriting committees.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBroker networks and wholesalers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eRetail and wholesale brokers funnel qualified submissions to Trean and its MGAs, driving specialty deal flow and access to regional and industry niches with lower acquisition cost per account. Education programs and co-marketing in 2024 improved placement rates and average premium per policy, while structured feedback loops refine appetite and underwriting guidelines. Close broker partnerships deepen market intelligence and speed quoting.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eChannel: retail + wholesale brokers\u003c\/li\u003e\n\u003cli\u003eBenefit: niche penetration, lower CAC\u003c\/li\u003e\n\u003cli\u003eEnablement: 2024 co-marketing \u0026amp; training\u003c\/li\u003e\n\u003cli\u003eOutcome: higher placement rates, refined underwriting\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTPA, technology, and data vendors\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eClaims platforms, data enrichers and analytics partners boost TPA efficiency and loss control, with 2024 industry averages showing 15–25% lower loss adjustment expenses and ~30% faster cycle times. Integrations enable straight-through processing (target 60–80% STP) and real-time performance tracking for sub-48hr simple-claim resolution. Medical bill review and SIU vendors cut paid-medical costs 10–20% and fraud leakage ~15–20%; HIPAA\/SOC2-grade secure exchange preserves compliance and client trust.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eClaims platforms: faster adjudication, 15–25% LAE reduction\u003c\/li\u003e\n\u003cli\u003eData\/analytics: real-time KPIs, 60–80% STP target\u003c\/li\u003e\n\u003cli\u003eMed bill review\/SIU: 10–20% cost savings, ~15–20% fraud reduction\u003c\/li\u003e\n\u003cli\u003eSecurity: HIPAA\/SOC2 secure data exchange\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMGAs and program admins speed specialty launches, add \u003cstrong\u003e+3%\u003c\/strong\u003e capacity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMGAs expand Trean’s reach and underwriting capacity with specialized distribution, supplying paper and aligned commission\/profit-share economics. Program administrators compress time-to-market from 12–18 months to ~3–6 months while Trean provides capital, licensing and compliance. Reinsurers add capacity (+3% year-on-year in 2024), quota-share and XL protection; fronting scales niche programs. Claims\/data partners lower LAE 15–25% and target 60–80% STP.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003ePartner\u003c\/th\u003e\n\u003cth\u003eRole\u003c\/th\u003e\n\u003cth\u003e2024 Metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eMGA\u003c\/td\u003e\n\u003ctd\u003eOriginate\/underwrite programs\u003c\/td\u003e\n\u003ctd\u003eCapacity growth ~3% YoY\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eProgram admin\u003c\/td\u003e\n\u003ctd\u003eOps, distribution, servicing\u003c\/td\u003e\n\u003ctd\u003eTime-to-market 3–6 months\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eReinsurer\u003c\/td\u003e\n\u003ctd\u003eCapacity\/volatility protection\u003c\/td\u003e\n\u003ctd\u003eQuota-share\/XL; +3% capacity\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBrokers\u003c\/td\u003e\n\u003ctd\u003eDeal flow\/channel\u003c\/td\u003e\n\u003ctd\u003eImproved placement \u0026amp; premium\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eClaims\/data\u003c\/td\u003e\n\u003ctd\u003eLAE reduction, STP\u003c\/td\u003e\n\u003ctd\u003eLAE -15–25%; STP 60–80%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA comprehensive, pre-written Business Model Canvas tailored to Trean Insurance that maps customer segments, value propositions, channels, revenue streams, cost structure, key resources, partners, activities and risk\/claims processes. Ideal for investor presentations and strategic planning, it includes SWOT and competitive-advantage analysis with actionable insights for underwriting, distribution and growth.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eHigh-level, editable Business Model Canvas that pinpoints Trean Insurance pain points and maps streamlined remedies on one page for fast decision-making, team collaboration, and board-ready summaries.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProgram underwriting\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eRisk selection and pricing across workers’ comp and specialty casualty programs drive Trean’s profitability, with underwriters setting boundaries to protect margin while targeting competitive premium yields.\u003c\/p\u003e\n\u003cp\u003eTrean establishes guardrails and audits MGA decisions to ensure adherence to appetite and underwriting profitability metrics.\u003c\/p\u003e\n\u003cp\u003eActive portfolio steering balances growth with loss ratio targets and uses continuous feedback loops to adjust appetite and rates in near real time.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eClaims administration\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eTPA claims administration delivers prompt, cost-effective handling for self-insureds and carriers, leveraging scalable operations and networks; 61% of covered US workers were in self-funded plans per KFF 2023, underscoring market scale. Medical management, litigation control, and active subrogation materially cut loss costs. Metrics-driven oversight improves closure rates and reduces severity, while client reporting ensures transparency and regulatory compliance.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eReinsurance management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eDesigning, placing and monitoring treaty and facultative covers preserves Trean’s capital buffer, with 2024 industry reinsurance pricing rising roughly 15% year-on-year supporting tightened capacity. Rigorous credit risk and recoverable management plus daily collateral tracking keep counterparty exposure within agreed limits. High data quality drives accurate ceded premium and claim allocation, and renewal strategies are synchronized to 2024 market cycles and growth targets.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulatory and compliance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eTrean maintains multi-state filings across all 50 states plus DC, rigorously managing rate\/rule forms and statutory reporting. Licensing and market conduct exams demand strong internal controls and audit trails. Data privacy and cybersecurity align with evolving standards; IBM 2024 reports an average data breach cost of $4.45M. Governance frameworks oversee delegated authorities and escalation.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e50 states + DC filings\u003c\/li\u003e\n\u003cli\u003eRate\/rule \u0026amp; statutory reporting\u003c\/li\u003e\n\u003cli\u003eMarket conduct controls\u003c\/li\u003e\n\u003cli\u003eCybersecurity: $4.45M avg breach cost (IBM 2024)\u003c\/li\u003e\n\u003cli\u003eDelegated authority governance\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eData analytics and loss control\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eActuarial models set rate adequacy and program thresholds to target sustainable loss ratios; 2024 modeling calibrations aim for combined ratios near 95% across specialty lines. Predictive analytics flag adverse development and fraud—2024 industry estimates place fraud at roughly 10% of claim costs—enabling early intervention. Safety programs and risk engineering lower frequency\/severity (avg. frequency reduction ~12%); performance scorecards across 1,000+ partners drive underwriting and portfolio actions.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eActuarial: rate adequacy, thresholds\u003c\/li\u003e\n\u003cli\u003ePredictive: flag adverse development, ~10% fraud impact (2024)\u003c\/li\u003e\n\u003cli\u003eRisk engineering: ~12% frequency reduction\u003c\/li\u003e\n\u003cli\u003eScorecards: guide partner\/portfolio decisions (1,000+ partners)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eUnderwriters chase \u003cstrong\u003e95%\u003c\/strong\u003e CR; reinsurance +\u003cstrong\u003e15%\u003c\/strong\u003e\n\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eUnderwriters price and select risk across workers’ comp and specialty casualty to hit ~95% combined ratio targets.\u003c\/p\u003e\n\u003cp\u003eTPA claims, medical management and subrogation lower severity; 61% of US workers in self-funded plans (KFF 2023).\u003c\/p\u003e\n\u003cp\u003eReinsurance placement manages capital with ~15% higher pricing in 2024; daily collateral and recoverable controls limit exposure.\u003c\/p\u003e\n\u003cp\u003eActuarial, predictive analytics (~10% fraud impact 2024) and risk engineering (~12% frequency reduction) steer portfolio.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eStates filed\u003c\/td\u003e\n\u003ctd\u003e50+DC\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTPA reach\u003c\/td\u003e\n\u003ctd\u003eSelf-funded 61%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eReins pricing 2024\u003c\/td\u003e\n\u003ctd\u003e+15%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAvg breach cost 2024\u003c\/td\u003e\n\u003ctd\u003e$4.45M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003ePreview Before You Purchase\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe document you're previewing is the exact Trean Insurance Business Model Canvas you'll receive after purchase; it's not a mockup or sample. This live file contains all sections, structure and content as shown, ready for editing, presenting, or sharing. After buying, you'll instantly download the same complete, presentation-ready document.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e","brand":"PortersFiveForce","offers":[{"title":"Default Title","offer_id":56162357641593,"sku":"trean-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0914\/5276\/8633\/files\/trean-business-model-canvas.png?v=1762699471","url":"https:\/\/portersfiveforce.com\/products\/trean-business-model-canvas","provider":"Porter's Five Forces","version":"1.0","type":"link"}