How does Webster Bank compare with its peers on AI and technology?
On this site's AI disclosure index Webster scores 68.7 (#37 of 120 US banks), seventh in an eight-bank Northeast group, ahead of Flagstar (65.3) and behind TD Bank US (91.8), Santander US (87.2), Citizens (85.3), KeyBank (80), Valley (76.6) and M&T (75.5). The comparison now has a twist: Santander completed its $12.3 billion purchase of Webster on August 20, 2026, so Webster's own record ends there and its AI future is Santander's. On its own, Webster was early. Its final 10-K, filed February 27, 2026, said it was in the early stages of incorporating AI to raise employee productivity and had not yet deployed AI-driven systems in critical decision-making or client-facing processes. Its 2026 technology work was connectivity and automation: an open-banking connector on Plaid's Core Exchange for commercial clients went live in June 2026. Peers had moved further. KeyBank said in January 2026 that an AI-handled call costs about $0.25 against about $9 for a human one; Citizens' CiZi assistant cut mobile-banking call volume by 44%; TD says it essentially hit a C$200 million AI value target for fiscal 2026. What Webster gains is its new parent's program: Santander targets more than €1 billion of value from AI by 2028, extended AI tools to all employees in June 2026, and reported €84 million of AI business value in the first half of 2026. Santander US expects a core systems conversion by the end of 2027 and no changes for customers in the first 12 months.[1][2][3][4][5][6][7][8][9][10][11]
Data as of Oct 20, 2026 · Webster profile updated Oct 13, 2026 · computed tables recalculate from the 140 bank profiles on this site · Markdown
Where does Webster lead its peers on AI?
01
A national HSA franchise no regional peer has
HSA Bank, Webster's healthcare division, reported over 3 million members and $14.3 billion of total footings at the end of 2024, and HealthEquity's FY2026 10-K names Webster Bank among its direct HSA competitors. None of the other regional banks in this group runs a comparable national benefits-account business.[12][13]
02
More named technology leaders than all but its new parent
Webster places 2nd of 8 on named AI and technology leaders (17), behind Santander US (23). The April 2026 integration memos named Vikram Nafde as chief technology officer of Santander US, with separate leads for retail, commercial and digital technology, cyber and technology integration.[14][15]
03
A clearer AI line in its 10-K than Flagstar's
Webster's final 10-K carried an AI risk factor covering generative-AI errors, bias, model opacity and AI-enabled fraud, and stated it had no AI-driven systems in critical or client-facing processes. Flagstar's 2025 10-K, filed the same day, does not mention artificial intelligence.[3][16]
04
A parent with a priced AI target
Since August 2026 Webster's business sits inside a group that targets more than €1 billion of value from data and AI by 2028 and booked €84 million in the first half of 2026. M&T, by contrast, has said most of its AI will come from vendors, and Valley quantifies its AI by vendor contracts replaced.[8][10][17][18]
Where does Webster trail its peers on AI?
01
Fewest AI use cases in the group
Webster's profile records 7 AI use cases in production and 11 described, last of 8 on both; TD records 13 in production and has about 2,500 people building AI platforms and applications (October 2025). Webster's own list is mostly security automation, open banking and risk disclosure.[3][19][20]
02
No customer-facing AI while KeyBank, Citizens and TD run theirs
Webster's 10-K said it had no AI-driven client-facing systems. KeyBank says AI-handled calls cost about $0.25 against about $9 for a human; Citizens' CiZi has cut mobile-banking call volume by 44%; TD expanded a Branch Virtual Assistant nationally in early 2026.[3][5][6][21]
03
No earnings calls in 2026, so little independent coverage
After agreeing to sell, Webster held no earnings call for the first or second quarter of 2026 and stopped giving guidance; its last call, in January 2026, had no AI remarks. It places 6th of 8 on independent sources (14 against a median of 24), with TD at 27.[22][23][24]
Where does Webster rank against its peers on AI disclosure?
Scores from the US AI disclosure index of 120 banks (0–100; 45% of the weight on independent coverage). The index measures what each bank has put on the public record and what outside outlets have reported about its AI, not capability or spending; every count is of entries on that bank's profile, each of which cites its sources.
| Bank | Score | Rank | Independent sources | Own disclosures | Use cases in production | Moves, last 12 months | Named AI platform |
|---|---|---|---|---|---|---|---|
| TD Bank (U.S.) | 91.8 | #4 of 120 | 27 | 23 | 13 of 18 | 28 | Layer 6 and TD AI Prism[26][27][28][29] |
| Santander US | 87.2 | #8 of 120 | 24 | 22 | 10 of 15 | 28 | ONE Transformation: shared platforms, AI for every employee, agentic commerce[30][9][31][32][1] |
| Citizens Financial Group | 85.3 | #11 of 120 | 25 | 18 | 10 of 20 | 26 | CiZi and the cloud-native core[6][33] |
| KeyCorp (KeyBank) | 80 | #21 of 120 | 25 | 17 | 10 of 16 | 20 | Conversational AI in the contact centre and 'cognitive banking' in the app[5][34][35] |
| Valley National Bancorp | 76.6 | #26 of 120 | 11 | 22 | 13 of 17 | 22 | Cloud-first infrastructure, Valley's AI Assistant and tiered access[18][36][37][38] |
| M&T Bank | 75.5 | #28 of 120 | 18 | 13 | 10 of 14 | 25 | Microsoft Copilot on a data-lineage foundation[39][40] |
| Webster Bank (this page) | 68.7 | #37 of 120 | 14 | 17 | 7 of 11 | 24 | Category IV readiness: data, cyber and open banking[41][4][19][2] |
| Flagstar Bank | 65.3 | #41 of 120 | 14 | 12 | 8 of 14 | 24 | Flagstar S2 Platform and StarIQ[42][43][44] |
On which parts of the AI record is Webster ahead of or behind its peers?
Each row is one input of the index, counted on the profiles of Webster and the 7 peers that are scored on the same basis. "Place" is Webster's position in the group of 8 (1st = most).
| Component (weight) | Webster | Peer median | Most in the group | Place |
|---|---|---|---|---|
| Independent sources (45%) | 14 | 24 | TD (27) | 6th of 8 |
| Use cases in production (10%) | 7 | 10 | TD (13) | 8th of 8 |
| Own primary disclosures (10%) | 17 | 18 | TD (23) | 5th of 8 |
| Dated moves, last 12 months (10%) | 24 | 25 | Santander (28) | 5th of 8 |
| Disclosed numbers (5%) | 16 | 18 | Citizens (20) | 5th of 8 |
| Named AI leaders (5%) | 17 | 13 | Santander (23) | 2nd of 8 |
| Use cases described (5%) | 11 | 16 | Citizens (20) | 8th of 8 |
What has each bank in Webster's peer group disclosed about its AI?
Facts from each bank's profile, cited to the profile's own sources. "Not disclosed" means the bank's public record, as cited on its profile, does not state it.
| Bank | Platform or assistant, as the profile names it | AI leaders named | Headline AI number disclosed | Patents on the record | Open AI roles |
|---|---|---|---|---|---|
| Webster Bank | Category IV readiness: data, cyber and open banking[41][4][19][2] | 17, incl. John Ciulla (CEO, Santander Bank, N.A.)[2][41] | Group business value targeted from data and AI (Santander): > €1 billion a year by 2028 (cost savings plus revenues) (Feb 25, 2026)[8] | Not disclosed | Not surveyed |
| Santander US | ONE Transformation: shared platforms, AI for every employee, agentic commerce[30][9][31][32][1] | 23, incl. Christiana Riley (CEO, Santander US and US country head)[2][1][45] | AI contribution to 2028 targets: > €1 billion: ≈ €300m revenue, ≈ €700m cost (Feb 25, 2026)[30] | 1 patent listed on the profile, e.g. US 2023/0377033 A1 (Santander Consumer USA: simulating a loan payment structure on an interactive interface)[46] | Not surveyed |
| Citizens Financial Group | CiZi and the cloud-native core[6][33] | 10, incl. Brendan Coughlin (President)[47][33] | Developers with coding agents: ≈ 800 (half) (Nov 20, 2025)[48] | 4 patents listed on the profile, e.g. US 2025/0150457 A1 (AI-driven integration platform and user-adaptive interface for business relationship orchestration)[49] | 6 open AI roles (Oct 1, 2026); most in AI engineering |
| TD Bank (U.S.) | Layer 6 and TD AI Prism[26][27][28][29] | 13, incl. Maksims Volkovs (SVP and Chief AI Scientist, Layer 6)[29][28] | AI value target: C$200 million (FY2026), C$1 billion a year medium term (Aug 27, 2026)[7][50] | 5 patents listed on the profile, e.g. US 2024/0127036 A1 (Multi-event time-series encoding)[51] | 12+ open AI roles (Oct 1, 2026); most in ML & data science |
| M&T Bank | Microsoft Copilot on a data-lineage foundation[39][40] | 13, incl. Michael Wisler (Senior EVP, Technology and Operations)[40][52] | Employees on Copilot: 16,000 of 22,000 (Sep 18, 2025)[39] | Not disclosed | 8 open AI roles (Oct 1, 2026); most in responsible AI & governance |
| KeyCorp (KeyBank) | Conversational AI in the contact centre and 'cognitive banking' in the app[5][34][35] | 11, incl. Chris Gorman (Chairman and CEO)[5][53] | Cost per customer call, AI vs human: ≈ $0.25 vs ≈ $9 (Jan 20, 2026)[5] | Not disclosed | 1 open AI roles (Sep 24, 2026); most in AI engineering |
| Valley National Bancorp | Cloud-first infrastructure, Valley's AI Assistant and tiered access[18][36][37][38] | 14, incl. Ira Robbins (Chairman and CEO)[54] | Vendor contracts being replaced by AI: 3 (Jul 10, 2026)[18] | Not disclosed | Not surveyed |
| Flagstar Bank | Flagstar S2 Platform and StarIQ[42][43][44] | 11, incl. Joseph Otting (Executive Chairman and CEO)[55][56][57] | Not disclosed | 1 patent listed on the profile, e.g. US 8,239,255 B2 (Consumer incentive system and business method)[58] | Not surveyed |
What are the latest dated moves on the AI record of Webster and its peers?
The two newest dated entries of each bank since Oct 16, 2025, from the timelines of the profiles (which also log filings, results and deals that bear on the AI record), newest first.
| Date | Bank | Move |
|---|---|---|
| Oct 13, 2026 | TD | Agentic AI extended to mortgage funding and discharge[59] |
| Oct 9, 2026 | Flagstar | Third-quarter 2026 results set for 23 October[60] |
| Oct 6, 2026 | TD | US survey: 69% would let a bank AI assistant complete a financial task[61] |
| Oct 1, 2026 | KeyBank | Gessner ranked No. 3 in American Banker's Most Powerful Women in Banking NEXT[62] |
| Oct 1, 2026 | M&T | Rajwani on AI agents and deposit runs[63] |
| Oct 1, 2026 | Santander | Riley: AI lets her 'vibe code' a CRM tool herself[45] |
| Sep 29, 2026 | Valley | Robbins on CNBC: AI agents not a threat to regional banks[64] |
| Sep 29, 2026 | Citizens | Coughlin: engineers now 30-40% more productive with AI[65] |
| Sep 29, 2026 | Citizens | Q4 2026 Business Pulse: small-business AI spending rising[66] |
| Sep 28, 2026 | Valley | Bluevine acquired for $340 million to accelerate the AI roadmap[67][68][69] |
| Sep 25, 2026 | M&T | FinTech Futures profiles the RDC.AI deployment at M&T[70] |
| Sep 23, 2026 | Santander | Santander AI Lab launches A2K, a protocol for agent-to-knowledge access[71] |
| Sep 14, 2026 | KeyBank | Barclays conference: Copilot for everyone, operations moved to the businesses[72] |
| Aug 21, 2026 | Flagstar | Pope ties the real-time core to fraud and AI[73] |
| Aug 20, 2026 | Webster | Integration plan: one platform by end-2027[11] |
| Aug 20, 2026 | Webster | Webster Bank, N.A. merges into Santander Bank, N.A.[74] |
How does Webster's customer-facing AI compare with its Northeast peers'?
The customer-facing AI each bank has disclosed, with the scale attached and its date. A blank means nothing is on the record, not that nothing exists.
| Bank | Customer-facing AI | Scale disclosed | Date |
|---|---|---|---|
| Webster | None: no AI-driven systems in client-facing processes, per the final 10-K | Not applicable | February 2026[3] |
| KeyBank | Conversational AI in the contact center; personalized insights in pilot | AI-handled call about $0.25 against about $9 for a human | January and June 2026[5][34] |
| Citizens | CiZi assistant in the mobile app | Mobile-banking call volume down 44% | 2026[6] |
| TD Bank US | Branch Virtual Assistant expanded nationally; agentic lending capability scaling | C$195 million of AI value against a C$200 million fiscal 2026 target (group) | February and August 2026[21][7] |
| Valley | Voice AI agent for past-due auto-loan customers | Not quantified | April 2026[75] |
| Santander US | Openbank digital bank | More than $10 billion of US deposits | October 2026[45] |
How does Webster's AI program compare with the scale its peers have announced?
Each bank's stated AI program, target or adoption figure. Webster's own program was early-stage; since August 2026 it falls under Santander's.
| Bank | Program | Target or adoption disclosed | Date |
|---|---|---|---|
| Webster | AI for employee productivity, early stage; data, cyber and regulatory-reporting build-out for Category IV | About 25 of about 200 planned 2025 hires in technology and cyber | March 2025; February 2026[3][41] |
| Santander (group, Webster's parent) | ONE Transformation; AI tools for all employees | More than €1 billion of value by 2028; €84 million in the first half of 2026 | February to July 2026[8][9][10] |
| TD Bank Group | Layer 6 and TD AI Prism | C$1 billion a year of AI value targeted; about 2,500 people building AI | September and October 2025[50][20] |
| M&T | Microsoft Copilot on a data-lineage foundation | 16,000 of 22,000 employees | September 2025[39] |
| KeyBank | Contact-center AI inside a technology and operations budget of about $1 billion | About $100 million of annual savings from continuous improvement | January 2026[5][76] |
| Flagstar | StarIQ multi-model orchestration platform | About 83% to 84% of 5,400 employees use it regularly | May 2026[77] |
Where does Webster's technology base stand against its peers'?
The platform and integration work on the record. Webster's systems are due to move onto Santander's by the end of 2027.
| Bank | Technology base | Status | Date |
|---|---|---|---|
| Webster | FDX-aligned open-banking connector on Plaid's Core Exchange for commercial clients; Splunk SOAR automation in the security operations center | Live; core conversion into Santander expected by end-2027 | June and August 2026[4][19][11] |
| Citizens | First super-regional bank fully in the cloud; 700 applications migrated over four years | Complete | 2025[25][6] |
| Flagstar | Six data centers into two; Fiserv's Finxact as the single core | Migrations summer 2027 and 2028 | June and August 2026[44][73] |
| Valley | More than 80% of data-center capacity moved to a cloud hub; core conversion completed | Complete | June 2026[18][36] |
Which banks are Webster's peers, and why these?
Webster Bank is compared here with Santander US, Citizens Financial Group, TD Bank (U.S.), M&T Bank, KeyCorp (KeyBank), Valley National Bancorp and Flagstar Bank: chosen by the editors for this page (see the note below the table). Webster Bank is classed as a regional or retail-commercial bank in the Northeast.
The computed group mixed in Puerto Rico's Popular, California's East West and Southeastern First Horizon; this group keeps the banks that compete in Webster's Northeast footprint, led by Santander US, which has owned Webster since August 20, 2026, and including Webster's closest pre-deal size peers in the New York market, Valley and Flagstar.
Is Webster still a separate bank after the Santander deal?
No. Santander completed its acquisition on August 20, 2026, and Webster Bank, N.A. merged into Santander Bank, N.A. the same day. Webster's CEO John Ciulla runs Santander Bank, N.A., and Santander US expects a core systems conversion by the end of 2027 with no customer changes in the first 12 months.[74][1][2][11]
Does Webster have an AI assistant for customers?
Not one it disclosed. Its final 10-K said it had not yet deployed AI-driven systems in critical decision-making or client-facing processes. Among Northeast peers, Citizens' CiZi has cut mobile-banking call volume by 44% and KeyBank uses conversational AI in its contact center.[3][6][5]
How does Webster compare with Santander US on AI?
Santander US scores 87.2 on this site's disclosure index against Webster's 68.7. Santander's group targets more than €1 billion of value from data and AI by 2028 and gave AI tools to all employees in June 2026. Since August 2026 the two are one bank, so Santander's program now covers Webster's business.[8][9][1]
Is Webster better than M&T at AI?
The record cannot settle capability, but M&T has put more on it: 75.5 on this site's disclosure index against 68.7. M&T reports 16,000 of 22,000 employees on Microsoft Copilot; Webster described its AI as early-stage and focused on employee productivity in its final 10-K.[39][3]
How does Webster compare with TD Bank on AI?
TD Bank US leads the group at 91.8 on this site's disclosure index. TD builds its own models through Layer 6, with about 2,500 people building AI platforms and applications, and reported C$195 million of AI value against a C$200 million fiscal 2026 target. Webster disclosed no AI value figure of its own.[20][7][3]
How much did Webster spend on technology before the deal?
Webster did not publish a technology budget. In March 2025 it planned about 200 hires, about 25 in technology and cybersecurity, as it prepared for the $100 billion Category IV threshold. KeyBank, for comparison, puts its technology and operations investment at about $1 billion.[41][5]
How does Webster compare with Citizens on AI and digital banking?
Citizens scores 85.3 on this site's disclosure index against Webster's 68.7. Citizens runs CiZi in its mobile app, gave GitHub Copilot's coding agent to about 800 developers and says it became the first super-regional bank fully in the cloud in 2025. Webster's 2026 digital work was an open-banking connector for commercial clients.[6][48][25][4]
How does Webster compare with KeyBank on AI?
KeyBank scores 80 on this site's disclosure index and Webster 68.7. KeyBank's CEO said in January 2026 that an AI-handled contact-center call costs about $0.25 against about $9 for a human-handled one, and it is piloting personalized insights in its app. Webster disclosed no customer-facing AI before the Santander deal.[5][34][3]
How does Webster compare with Valley and Flagstar on AI?
Webster, at 68.7 on this site's disclosure index, sits below Valley (76.6) and M&T (75.5) and above Flagstar (65.3). Valley runs a voice AI agent for past-due auto loans; Flagstar built its own multi-model platform, StarIQ, used regularly by about 83% to 84% of its staff. Webster described its AI as early-stage employee productivity work.[75][77][3]
Why did Webster's board cite technology when it agreed to sell?
The April 2026 proxy says the board weighed the accelerating pace of technological change in banking and the challenges of staying independent. About $800 million of expected synergies come mainly from overhead and technology and operational efficiencies.[78][11]
- Santander Expands U.S. Presence with Completion of Webster Acquisition
- Santander to buy Webster for $12.3B
- Webster Financial Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2025
- Webster Bank Implements Prolific Banking's FI-Streams Connector to Enable Commercial Client Financial Data Connectivity
- KeyBank Taps $100 Million Increase in Technology Spend (AI calls at $0.25 vs $9)
- Citizens Financial's Michael Ruttledge is #43 on the Most Innovative People in Finance ranking
- TD Bank Unlocks $141 Million in AI Value Months Ahead of Schedule
- Santander sets a new standard for profitable growth (Investor Day press release, filed on Form 425 regarding Webster)
- Santander Equips All Workers With AI and Seeks $1.15 Billion Business Value
- Santander adds 12 million customers as underlying profit rises 15% to 7.3 billion euros in the first half
- Santander isn't rushing into Webster integration: US CEO
- HSA Bank Unveils New Brand Identity
- HealthEquity, Inc. Annual Report on Form 10-K for the fiscal year ended January 31, 2026
- Form 425: Santander US CEO memo, Webster Acquisition Update: Corporate Function Leadership Appointments
- Form 425: Webster colleague memo on corporate function leadership appointments after closing
- Flagstar Bank, N.A. Annual Report on Form 10-K for the fiscal year ended December 31, 2025
- M&T Bank at Boston Conference: Strategic Transformation Insights (transcript)
- Valley Bank exec: AI is changing build-versus-buy question
- Impact Makers Award Winners – Q2 2026
- 'Give me five trade ideas': TD's traders embrace ChatGPT
- TD Bank Group Reports First Quarter 2026 Results (report to shareholders)
- Webster Financial Corporation Form 8-K: first-quarter 2026 results; no earnings call because of the Santander transaction
- Webster Financial Corporation Form 8-K: second-quarter 2026 results; no earnings call because of the Santander transaction
- Webster (WBS) Q4 2025 Earnings Call Transcript
- 2025 Annual Review
- TD Announces Launch of Groundbreaking Predictive Foundation Model
- TD Launches Agentic AI to Transform Real Estate Secured Lending from End to End
- TD wins BIG Innovation Awards for fifth consecutive year
- Maksims Volkovs drives TD Bank's AI transformation
- Santander's Botin Sees €1 Billion AI Boost Amid Efficiency Push
- Santander's Getnet Plugs Merchants Into Agentic Commerce
- Santander, Webster lay out post-deal management plan
- Citizens details how AI is speeding everything up
- KeyBank bets on relationships over tech budgets
- How KeyBank is creating 'cognitive banking' with AI
- #47 Valley Bank's COO is building an AI-ready bank
- Nickolaus Lachman, SVP, Head of AI & Data Science, Valley Bank (Digital Banking speaker profile)
- Valley National Bancorp second quarter 2026 earnings presentation (Form 8-K, Exhibit 99.2)
- How M&T Bank ensures data quality as it implements gen AI
- How this Buffalo-based bank is using tech as a competitive edge
- Webster eyes $100B threshold, invests in hiring and tech
- Flagstar Bank Announces Proprietary Technology Transformation
- Flagstar CIO: Proprietary tech creates 'optionality'
- How Flagstar Bank integrated its acquired data centers
- The Most Powerful Women in Banking Women to Watch, #1, Christiana Riley, Santander U.S.
- US20230377033A1: Computer system and method for simulating loan payment structure on an interactive interface (Santander Consumer USA)
- Citizens' latest move further positions Coughlin as next CEO
- How Citi, Citizens, TD deploy AI agents without upsetting humans
- US20250150457A1: AI-driven integration platform and user-adaptive interface for business relationship orchestration
- TD wants to get 'back to winning'
- US 2024/0127036 A1: Multi-event time-series encoding
- How M&T Bank Built A Technology Powerhouse In Buffalo
- KeyBank has 'no interest' in buying a bank, CEO says
- Valley National Bancorp Announces First Quarter 2026 Results
- Flagstar is back in the black after eight quarters of losses
- Flagstar extends CEO Otting's tenure but sets up succession race
- Flagstar Bank Extends Joseph Otting's Term as CEO and Announces Executive Leadership Updates (Form 8-K, Exhibit 99.1)
- US 8,239,255 B2: Consumer incentive system and business method (assignee New York Community Bancorp, now Flagstar Financial)
- TD expands agentic AI across mortgage operations to make banking faster, simpler and more human
- Flagstar Bank, N.A. to Report Third Quarter 2026 Earnings and Host Conference Call on October 23rd
- Nearly 7 in 10 Americans Would Let AI Complete Certain Financial Tasks, TD Survey Finds
- The Most Powerful Women in Banking NEXT, #3, Emily Gessner, KeyBank
- AI agent bank runs possible but unlikely, experts say
- Valley National CEO Ira Robbins: AI agents not a threat to regional banks
- Tech leaders say AI could end humanity. Banks still love it
- Citizens Q4 2026 Business Pulse Finds Rising Small Business Optimism Amid Steady Hiring and Increased AI Spending
- Valley National Bancorp to Acquire Bluevine Inc., Accelerating Its Digital Small Business Growth Strategy and Meaningfully Enhancing Its Core Funding Capabilities
- Accelerating Valley's National Digital Banking Franchise (Form 8-K Exhibit 99.2)
- Valley National Bank to acquire fintech Bluevine for $340M
- Bringing explainable AI to commercial and business banking
- A2K: a new protocol suite for connecting AI agents to governed, auditable enterprise knowledge
- KeyCorp at Barclays conference: growth, margin gains in focus (conference transcript)
- Flagstar picks cloud-native core to replace legacy patchwork
- Webster Financial Corporation Form 8-K: completion of the acquisition by Banco Santander and merger of Webster Bank into Santander Bank, N.A.
- Valley National Bancorp Q1 Earnings Call Highlights
- KeyCorp (KEY) Q4 2025 Earnings Call Highlights: Strong Revenue Growth and Strategic Investments
- Flagstar Bank Touts Turnaround Progress, Eyes Capital Returns as CRE Exposure Falls
- Webster Financial Corporation definitive proxy statement/prospectus for the Banco Santander transaction (DEFM14A)
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