{"id":2414,"date":"2025-12-18T18:00:58","date_gmt":"2025-12-18T16:00:58","guid":{"rendered":"https:\/\/oddcoll.com\/?p=2414"},"modified":"2025-12-29T12:44:18","modified_gmt":"2025-12-29T10:44:18","slug":"oddcoll-suvyniotas-2025","status":"publish","type":"post","link":"https:\/\/oddcoll.com\/lt\/news-and-publications\/oddcoll-wrapped-2025\/","title":{"rendered":"Oddcoll \u012fvyniotas 2025 m."},"content":{"rendered":"<h2>I\u0161\u0161ifruotas pasaulinis skol\u0173 i\u0161ie\u0161kojimas.<\/h2>\n<p>Kasmet analizuojame t\u016bkstan\u010dius <a href=\"https:\/\/oddcoll.com\/lt\/tarptautinis-skolu-isieskojimas\/\">tarptautinis skol\u0173 i\u0161ie\u0161kojimas<\/a> atvej\u0173 \u012fvairiose rinkose, pramon\u0117s \u0161akose ir jurisdikcijose. \"Oddcoll Wrapped 2025\" - tai m\u016bs\u0173 b\u016bdas atversti knygas ir pasidalyti d\u0117sningumais, \u012f\u017evalgomis ir sunkiomis tiesomis, slypin\u010diomis u\u017e <a href=\"https:\/\/oddcoll.com\/lt\/skolu-isieskojimas-2\/\">tarpvalstybinis skol\u0173 i\u0161ie\u0161kojimas<\/a>.<\/p>\n<p>Joki\u0173 p\u016bk\u0173. Tik duomenys, patirtis ir tai, kas i\u0161 tikr\u0173j\u0173 veikia.<\/p>\n<hr \/>\n<h2>9 metus i\u0161 eil\u0117s - didesnis i\u0161ie\u0161kojimo lygis<\/h2>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-2433 size-full\" src=\"https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/9-years-in-a-row-higher-recovery-rates.jpeg\" alt=\"\" width=\"1536\" height=\"1024\" srcset=\"https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/9-years-in-a-row-higher-recovery-rates.jpeg 1536w, https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/9-years-in-a-row-higher-recovery-rates-300x200.jpeg 300w, https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/9-years-in-a-row-higher-recovery-rates-1024x683.jpeg 1024w, https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/9-years-in-a-row-higher-recovery-rates-768x512.jpeg 768w, https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/9-years-in-a-row-higher-recovery-rates-18x12.jpeg 18w\" sizes=\"(max-width: 1536px) 100vw, 1536px\" \/><\/p>\n<p><strong>Nuoseklumas pranoksta s\u0117km\u0119.<\/strong><\/p>\n<p>Devintus metus i\u0161 eil\u0117s \"Oddcoll\" padidino bendr\u0105 i\u0161ie\u0161kojimo rodikl\u012f. Tai l\u0117m\u0117 ne trumpas kelias ar agresyvi taktika, o nuolatinis vietos partneri\u0173 tinkl\u0173 tobulinimas, i\u0161manesnis byl\u0173 nukreipimas ir greitesni veiksmai su\u0117jus s\u0105skait\u0173 fakt\u016br\u0173 apmok\u0117jimo terminui.<\/p>\n<p>Tvar\u016bs rezultatai pasiekiami per proces\u0105 - tai \u012frodo duomenys.<\/p>\n<hr \/>\n<h2>+17% didesnis sugr\u012f\u017etan\u010di\u0173 klient\u0173 susigr\u0105\u017einimas<\/h2>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-2434\" src=\"https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/17-higher-recovery-for-returning-clients.jpeg\" alt=\"\" width=\"1536\" height=\"1024\" srcset=\"https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/17-higher-recovery-for-returning-clients.jpeg 1536w, https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/17-higher-recovery-for-returning-clients-300x200.jpeg 300w, https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/17-higher-recovery-for-returning-clients-1024x683.jpeg 1024w, https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/17-higher-recovery-for-returning-clients-768x512.jpeg 768w, https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/17-higher-recovery-for-returning-clients-18x12.jpeg 18w\" sizes=\"(max-width: 1536px) 100vw, 1536px\" \/><\/p>\n<p><strong>Lojalumas atsiperka - tiesiogine prasme.<\/strong><\/p>\n<p>Vidutini\u0161kai m\u016bs\u0173 nuolatiniai klientai atgauna 17% daugiau, palyginti su tuo, k\u0105 jie pasiek\u0117 su savo ankstesniais <a href=\"https:\/\/oddcoll.com\/lt\/tarptautinis-skolu-isieskojimas\/\">tarptautinis skol\u0173 i\u0161ie\u0161kojimas<\/a> paslaug\u0173 teik\u0117jai. Pa\u017eintis su kliento s\u0105skait\u0173 i\u0161ra\u0161ymo strukt\u016bra, bendravimo stiliumi ir santykiais su klientais gerokai pagerina rezultatus.<\/p>\n<p>Kuo geriau pa\u017e\u012fstame j\u016bs\u0173 versl\u0105, tuo geriau dirbame.<\/p>\n<hr \/>\n<h2>Kur skolininkai moka ir kur ne<\/h2>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-2435\" src=\"https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Where-debtors-pay-\u2014-and-where-they-dont.jpeg\" alt=\"\" width=\"1536\" height=\"1024\" srcset=\"https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Where-debtors-pay-\u2014-and-where-they-dont.jpeg 1536w, https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Where-debtors-pay-\u2014-and-where-they-dont-300x200.jpeg 300w, https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Where-debtors-pay-\u2014-and-where-they-dont-1024x683.jpeg 1024w, https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Where-debtors-pay-\u2014-and-where-they-dont-768x512.jpeg 768w, https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Where-debtors-pay-\u2014-and-where-they-dont-18x12.jpeg 18w\" sizes=\"(max-width: 1536px) 100vw, 1536px\" \/><\/p>\n<p><strong>Svarbi geografija.<\/strong><\/p>\n<p>Remiantis 2025 m. duomenimis, skolininkai <a href=\"https:\/\/oddcoll.com\/lt\/skolu-isieskojimas\/svedija\/\">\u0160vedija<\/a>, <a href=\"https:\/\/oddcoll.com\/lt\/skolu-isieskojimas\/norvegija\/\">Norvegija<\/a>, ir <a href=\"https:\/\/oddcoll.com\/lt\/skolu-isieskojimas\/suomija\/\">Suomija<\/a> labiausiai tik\u0117tina, kad prad\u0117jus byl\u0105 bus sumok\u0117ta. Ai\u0161kios taisykl\u0117s, tvirta mok\u0117jimo kult\u016bra ir nusp\u0117jamas vykdymo u\u017etikrinimas atlieka svarb\u0173 vaidmen\u012f.<\/p>\n<p>Kitoje spektro pus\u0117je yra Afrika, po kurios seka dalis <a href=\"https:\/\/oddcoll.com\/lt\/skolu-isieskojimas\/asija\/\">Asia<\/a> - rodo ma\u017eiausi\u0105 mok\u0117jim\u0173 da\u017enum\u0105, da\u017enai d\u0117l teisinio sud\u0117tingumo, silpnesnio vykdymo arba riboto skolininko atsekamumo.<\/p>\n<hr \/>\n<h2>Svarbu greitis: pirmieji veiksmai turi b\u016bti atlikti per 5 valandas<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-2436 size-full\" src=\"https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Speed-matters-first-action-within-5-hours.jpeg\" alt=\"\" width=\"1536\" height=\"1024\" srcset=\"https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Speed-matters-first-action-within-5-hours.jpeg 1536w, https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Speed-matters-first-action-within-5-hours-300x200.jpeg 300w, https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Speed-matters-first-action-within-5-hours-1024x683.jpeg 1024w, https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Speed-matters-first-action-within-5-hours-768x512.jpeg 768w, https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Speed-matters-first-action-within-5-hours-18x12.jpeg 18w\" sizes=\"(max-width: 1536px) 100vw, 1536px\" \/><\/p>\n<p><strong>Laikas \u017eudo atsigavim\u0105 - greitis j\u012f gelbsti.<\/strong><\/p>\n<p>Vidutini\u0161kai pirmasis kontaktinis veiksmas (el. lai\u0161kas, lai\u0161kas ar skambutis telefonu) i\u0161 <a href=\"https:\/\/oddcoll.com\/lt\/naujienos-ir-leidiniai\/kaip-skolu-isieskojimo-agenturos\/\">vietin\u0117 skol\u0173 i\u0161ie\u0161kojimo agent\u016bra<\/a> skolininko \u0161alyje \u012fvyksta per 5 valandas nuo bylos \u012fk\u0117limo.<\/p>\n<p>Toks greitas reagavimas labai padidina i\u0161ie\u0161kojimo tikimyb\u0119 ir signalizuoja skolininkui apie rimtum\u0105, kol dar n\u0117ra laiko pasiteisinimams, gin\u010dams ar vengimo strategijoms.<\/p>\n<hr \/>\n<h2>Didel\u0117s skolos, dideli skai\u010diai: Persijos \u012flankos valstyb\u0117s<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-2437 size-full\" src=\"https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Big-debts-big-numbers-the-Gulf-states.jpeg\" alt=\"\" width=\"1536\" height=\"1024\" srcset=\"https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Big-debts-big-numbers-the-Gulf-states.jpeg 1536w, https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Big-debts-big-numbers-the-Gulf-states-300x200.jpeg 300w, https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Big-debts-big-numbers-the-Gulf-states-1024x683.jpeg 1024w, https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Big-debts-big-numbers-the-Gulf-states-768x512.jpeg 768w, https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Big-debts-big-numbers-the-Gulf-states-18x12.jpeg 18w\" sizes=\"(max-width: 1536px) 100vw, 1536px\" \/><\/p>\n<p><strong>Didel\u0117 vert\u0117, didelis potencialas.<\/strong><\/p>\n<p>Daugiausia i\u0161ie\u0161kot\u0173 didesni\u0173 nei 50 000 eur\u0173 \u017eal\u0173 buvo i\u0161ie\u0161kota Persijos \u012flankos valstyb\u0117se. \u010cia vidutinis ie\u0161kinio dydis keturis kartus vir\u0161ija pasaulin\u012f vidurk\u012f.<\/p>\n<p>Nors byl\u0173 gali b\u016bti ma\u017eiau, j\u0173 finansinis poveikis yra didelis, tod\u0117l teisingas vietinis tvarkymas yra labai svarbus.<\/p>\n<hr \/>\n<h2>Teisiniai veiksmai ne visur vienodi<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2438\" src=\"https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Legal-action-isnt-equal-everywhere.jpeg\" alt=\"\" width=\"1536\" height=\"1024\" srcset=\"https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Legal-action-isnt-equal-everywhere.jpeg 1536w, https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Legal-action-isnt-equal-everywhere-300x200.jpeg 300w, https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Legal-action-isnt-equal-everywhere-1024x683.jpeg 1024w, https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Legal-action-isnt-equal-everywhere-768x512.jpeg 768w, https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Legal-action-isnt-equal-everywhere-18x12.jpeg 18w\" sizes=\"(max-width: 1536px) 100vw, 1536px\" \/><\/p>\n<p><strong>Kai kurie teismai veikia l\u0117\u010diau nei kiti.<\/strong><\/p>\n<p>Dvi \u0161alys, kuriose teisinis eskalavimas yra sud\u0117tingiausias, yra \u0161ios. <a href=\"https:\/\/oddcoll.com\/lt\/skolu-isieskojimas\/saudo-arabija\/\">Saudo Arabija<\/a> ir <a href=\"https:\/\/oddcoll.com\/lt\/skolu-isieskojimas\/indija\/\">Indija<\/a>. Proced\u016br\u0173 sud\u0117tingumas, terminai ir vykdymo nenusp\u0117jamumas rei\u0161kia, kad prie\u0161 imantis teisini\u0173 veiksm\u0173 reikia juos atid\u017eiai \u012fvertinti.<\/p>\n<p>Strategija yra svarbesn\u0117 u\u017e j\u0117g\u0105.<\/p>\n<hr \/>\n<h2>Ispanija: du kartus pagalvokite, ar laikas svarbus<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2439\" src=\"https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Spain-think-twice-if-time-matters.jpeg\" alt=\"\" width=\"1536\" height=\"1024\" srcset=\"https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Spain-think-twice-if-time-matters.jpeg 1536w, https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Spain-think-twice-if-time-matters-300x200.jpeg 300w, https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Spain-think-twice-if-time-matters-1024x683.jpeg 1024w, https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Spain-think-twice-if-time-matters-768x512.jpeg 768w, https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Spain-think-twice-if-time-matters-18x12.jpeg 18w\" sizes=\"(max-width: 1536px) 100vw, 1536px\" \/><\/p>\n<p><strong>Jei jums netrukus prireiks pinig\u0173 srauto, rinkit\u0117s i\u0161mintingai.<\/strong><\/p>\n<p>Svetain\u0117je <a href=\"https:\/\/oddcoll.com\/lt\/skolu-isieskojimas\/ispanija\/\">Ispanija<\/a>, teisiniai skol\u0173 i\u0161ie\u0161kojimo procesai da\u017enai trunka ilgiau nei 12 m\u0117nesi\u0173. Jei j\u016bs\u0173 tikslas yra atgauti l\u0117\u0161as per ateinan\u010dius metus, paprastai reik\u0117t\u0173 vengti teismini\u0173 veiksm\u0173, nebent reikalavimo dydis ai\u0161kiai pateisina delsim\u0105.<\/p>\n<p>Daugeliu atvej\u0173 neteisminiai sprendimai teb\u0117ra grei\u010diausias b\u016bdas.<\/p>\n<hr \/>\n<h2>Ankstyvesni atvejai = didesnis susigr\u0105\u017einimas<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2440\" src=\"https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Earlier-cases-higher-recovery.jpg\" alt=\"\" width=\"1536\" height=\"1024\" srcset=\"https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Earlier-cases-higher-recovery.jpg 1536w, https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Earlier-cases-higher-recovery-300x200.jpg 300w, https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Earlier-cases-higher-recovery-1024x683.jpg 1024w, https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Earlier-cases-higher-recovery-768x512.jpg 768w, https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Earlier-cases-higher-recovery-18x12.jpg 18w\" sizes=\"(max-width: 1536px) 100vw, 1536px\" \/><\/p>\n<p><strong>Laikrodis pradedamas skai\u010diuoti nuo termino prad\u017eios.<\/strong><\/p>\n<p>M\u016bs\u0173 duomenys akivaizd\u016bs: kuo grei\u010diau pateikiamas ie\u0161kinys po s\u0105skaitos fakt\u016bros apmok\u0117jimo termino su\u0117jimo, tuo didesn\u0117 tikimyb\u0117 atgauti skol\u0105. V\u0117lavimas susilpnina svertus, leid\u017eia gin\u010dams did\u0117ti ir ma\u017eina skolininko reakcij\u0105.<\/p>\n<p>Ankstyvas veikimas n\u0117ra agresyvus - jis protingas.<\/p>\n<hr \/>\n<h2>Aktyv\u016bs klientai moka da\u017eniau<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2441\" src=\"https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Active-customers-pay-more-often.jpg\" alt=\"\" width=\"1536\" height=\"1024\" srcset=\"https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Active-customers-pay-more-often.jpg 1536w, https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Active-customers-pay-more-often-300x200.jpg 300w, https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Active-customers-pay-more-often-1024x683.jpg 1024w, https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Active-customers-pay-more-often-768x512.jpg 768w, https:\/\/oddcoll.com\/wp-content\/uploads\/2025\/12\/Active-customers-pay-more-often-18x12.jpg 18w\" sizes=\"(max-width: 1536px) 100vw, 1536px\" \/><\/p>\n<p><strong>Santykiai yra svarb\u016bs.<\/strong><\/p>\n<p>Jei skolininkas vis dar yra aktyvus klientas, i\u0161ie\u0161kojimo galimyb\u0117s gerokai padid\u0117ja, palyginti su tais atvejais, kai komerciniai santykiai jau yra nutr\u016bk\u0119. T\u0119stiniai verslo ry\u0161iai sukuria spaudim\u0105, paskatas ir reputacijos sumetimus, kurie veikia j\u016bs\u0173 naudai.<\/p>\n<p>Skol\u0173 i\u0161ie\u0161kojimas geriausiai veikia tada, kai palaiko, o ne griauna komercinius santykius.<\/p>\n<hr \/>\n<h2>Vienas i\u0161 Oddcoll Wrapped 2025<\/h2>\n<p><a href=\"https:\/\/oddcoll.com\/lt\/naujienos-ir-leidiniai\/pagrindines-tendencijos-tarptautinis-skolu-isieskojimas\/\">Tarptautinis skol\u0173 i\u0161ie\u0161kojimas<\/a> ne vien d\u0117l geografijos. Tai - laikas, strategija, vietos patirtis ir u\u017e skai\u010di\u0173 slypin\u010dio \u017emoni\u0173 elgesio supratimas.<\/p>\n<p>Duomenys tai dar kart\u0105 patvirtina.<\/p>\n<p>Norite su\u017einoti, kaip \u0161ios \u012f\u017evalgos taikomos j\u016bs\u0173 neapmok\u0117toms s\u0105skaitoms fakt\u016broms? Su\u017einokite daugiau apie <a href=\"https:\/\/oddcoll.com\/lt\/kaip-tai-veikia\/\">kaip veikia skol\u0173 i\u0161ie\u0161kojimas<\/a> Oddcoll, o jei jums reikia <a href=\"\/lt\/skolu-isieskojimas\/\">skol\u0173 i\u0161ie\u0161kojimas<\/a>, nedvejodami <a href=\"https:\/\/oddcoll.com\/lt\/susisiekite-su-mumis\/\">susisiekite su mumis<\/a> \u0161iandien.<\/p>","protected":false},"excerpt":{"rendered":"<p>Global debt collection, decoded. Every year, we analyze thousands of international debt collection cases across markets, industries, and jurisdictions. Oddcoll Wrapped 2025 is our way of opening the books and sharing the patterns, insights, and hard truths behind cross-border debt recovery. No fluff. Just data, experience, and what actually works. 9 years in a row: [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2432,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2414","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-and-publications"],"acf":[],"_links":{"self":[{"href":"https:\/\/oddcoll.com\/lt\/wp-json\/wp\/v2\/posts\/2414","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/oddcoll.com\/lt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/oddcoll.com\/lt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/oddcoll.com\/lt\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/oddcoll.com\/lt\/wp-json\/wp\/v2\/comments?post=2414"}],"version-history":[{"count":0,"href":"https:\/\/oddcoll.com\/lt\/wp-json\/wp\/v2\/posts\/2414\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/oddcoll.com\/lt\/wp-json\/wp\/v2\/media\/2432"}],"wp:attachment":[{"href":"https:\/\/oddcoll.com\/lt\/wp-json\/wp\/v2\/media?parent=2414"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/oddcoll.com\/lt\/wp-json\/wp\/v2\/categories?post=2414"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/oddcoll.com\/lt\/wp-json\/wp\/v2\/tags?post=2414"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}