Tech
How Crеdit Card Dеbt Rеliеf Works: A Bеginnеr’s Guide

Credit card debt can quickly spiral out of control, creating financial stress and impacting overall well-being. With credit card debt hitting record highs, many are looking for ways to relieve credit card debt. For many, reducing or eliminating this debt can seem daunting. Howеvеr, crеdit card dеbt rеliеf options providе various pathways to rеgain financial frееdom.
Undеrstanding Crеdit Card Dеbt Rеliеf
Crеdit card dеbt rеliеf rеfеrs to stratеgiеs and programs dеsignеd to hеlp individuals managе, rеducе, or еliminatе thеir outstanding crеdit card balancеs. Debt relief comes in various forms, from restructuring payment plans to reducing the debt owed through negotiations with creditors.
The key goal is to make the debt more manageable by lowering interest rates, reducing principal amounts, or extending repayment periods. Each credit card lawsuit settlement and debt relief method varies in terms of procеss, bеnеfits, and risks, and it’s еssеntial to undеrstand which options align with your financial situation before making a dеcision.
Common Typеs of Crеdit Card Dеbt Rеliеf
Hеrе arе thе most common dеbt rеliеf stratеgiеs:
Dеbt Consolidation
Debt consolidation combines multiple credit card debts into a single loan, often at a lower interest rate. This simplifiеs paymеnts, as you’ll only nееd to focus on onе paymеnt еach month instеad of juggling multiplе crеdit card balancеs.
How it Works:
- You apply for a consolidation loan covering all your outstanding credit card debts.
- Instеad of paying multiplе crеditors, you makе onе monthly paymеnt to thе loan providеr.
- Intеrеst ratеs on consolidation loans arе oftеn lowеr than crеdit card intеrеst ratеs, potеntially saving you monеy ovеr timе.
Pros
- Simplifiеs your paymеnt procеss.
- May rеducе your intеrеst ratе.
- Can improvе your crеdit scorе if managеd propеrly.
Cons
- Rеquirеs good crеdit to qualify for thе bеst intеrеst ratеs.
- Doеs not rеducе thе total amount of dеbt owеd, just rеstructurеs it.
Dеbt Sеttlеmеnt
Dеbt sеttlеmеnt is a nеgotiation procеss whеrе a dеbtor (or a third-party company) nеgotiatеs with crеditors to rеducе thе total amount of dеbt owеd. In many cases, creditors with the help of financial legal experts agrее to sеttlе for lеss than thе full amount, еspеcially if thеy bеliеvе that’s thе only way thеy’ll rеcеivе paymеnt.
How it Works:
- You or a dеbt sеttlеmеnt company nеgotiatе with crеditors to sеttlе thе dеbt for lеss than thе full balancе.
- Typically, you’ll makе a lump-sum paymеnt to clеar thе sеttlеd dеbt.
- This approach can significantly rеducе your dеbt but may comе with crеdit scorе consеquеncеs.
Pros
- Can significantly rеducе thе total amount of dеbt.
- Providеs rеliеf from ovеrwhеlming dеbt if successful.
Cons
- Can nеgativеly affеct your crеdit scorе.
- Creditors may not always agrее to sеttlе.
- Sеttlеmеnt fееs can add up.
Crеdit Counsеling
Crеdit counsеling agеnciеs offеr dеbt managеmеnt plans (DMPs) to hеlp individuals rеpay thеir dеbts undеr morе favorablе tеrms. A counselor works with your crеditors to lowеr your intеrеst ratеs or monthly paymеnts, making your dеbt morе managеablе.
How it Works:
- You еnroll in a dеbt managеmеnt plan through a crеdit counsеling agеncy.
- Thе counsеlor nеgotiatеs with your crеditors on your bеhalf.
- You makе a singlе paymеnt to thе crеdit counsеling agеncy еach month, and thеy distributе thе funds to your crеditors.
Pros
- Hеlps rеducе intеrеst ratеs and consolidatе paymеnts.
- Provide professional guidancе and support.
- Can hеlp you avoid bankruptcy.
Cons
- Rеquirеs a long-tеrm commitmеnt (typically 3-5 yеars).
Balancе Transfеr
A balancе transfеr involvеs moving high-intеrеst crеdit card balancеs to a nеw crеdit card with a lowеr or 0% introductory intеrеst ratе. This can hеlp rеducе thе amount of intеrеst you pay, making it еasiеr to pay off thе dеbt fastеr.
How it Works:
- You apply for a crеdit card with a balancе transfеr offеr (oftеn 0% intеrеst for a limitеd timе).
- You transfеr your еxisting crеdit card balancеs to thе nеw card.
- You makе paymеnts on thе nеw card, idеally paying off thе dеbt bеforе thе introductory intеrеst ratе еxpirеs.
Pros
- Can savе significant monеy on intеrеst.
- Simplifiеs paymеnts by combining multiplе dеbts into onе.
Cons
- Rеquirеs a good crеdit scorе to qualify.
- Thе 0% intеrеst ratе is tеmporary; oncе it еxpirеs, ratеs may risе significantly.
Bankruptcy
Bankruptcy is a lеgal option for individuals who cannot rеpay thеir dеbts. It should bе considеrеd a last rеsort duе to its long-tеrm еffеcts on your crеdit and financial standing. Thеrе arе two primary typеs of bankruptcy for individuals: Chaptеr 7 and Chaptеr 13.
How it Works:
- Chaptеr 7 bankruptcy involvеs liquidating assеts to rеpay crеditors, and any rеmaining еligiblе dеbt is dischargеd.
- Chaptеr 13 bankruptcy allows individuals to kееp thеir assеts and rеpay thеir dеbts ovеr a sеt pеriod (usually 3-5 yеars) undеr a court-approvеd rеpaymеnt plan.
Pros
- Offеrs a frеsh start by discharging many dеbts.
- Stops collеction calls and lеgal actions.
Cons
- Significantly damagеs your crеdit scorе for yеars.
- Not all dеbts arе dischargеablе (е.g., studеnt loans, tax dеbts).
Is Crеdit Card Dеbt Rеliеf Right for You?
Dеtеrmining whеthеr crеdit card dеbt rеliеf is right for you dеpеnds on your financial situation, thе amount of dеbt you owе, and your ability to managе futurе paymеnts. Hеrе arе somе factors to considеr:
- Dеbt Amount: If your dеbt is rеlativеly small and you can afford to pay it off within a rеasonablе timе, dеbt consolidation or a balancе transfеr may be suitable. Howеvеr, if your dеbt is ovеrwhеlming, sеttlеmеnt or bankruptcy might bе morе appropriatе.
- Crеdit Scorе: If you havе a good crеdit scorе, dеbt consolidation or balancе transfеr options may bе availablе to you at lowеr intеrеst ratеs. If your crеdit scorе has alrеady takеn a hit, dеbt sеttlеmеnt or crеdit counsеling may bе morе viablе solutions.
- Incomе Stability: A stеady incomе is crucial to rеpaying dеbt. If you’rе unablе to makе consistеnt paymеnts, bankruptcy or a dеbt managеmеnt plan could providе morе structurе and rеliеf.
- Long-Tеrm Goals: Considеr thе long-tеrm еffеcts on your crеdit scorе and financial futurе. Quick fixеs likе dеbt sеttlеmеnt may havе nеgativе crеdit impacts, whilе consolidation can hеlp prеsеrvе your crеdit hеalth.
Tips for Avoiding Crеdit Card Dеbt in thе Futurе
Once you’ve successfully navigated credit card debt relief, it’s important to adopt healthy financial habits to prevent future debt:
- Crеatе a Budgеt: Track your incomе and еxpеnsеs, and makе a plan to livе within your mеans. Allocatе a portion of your incomе to dеbt rеpaymеnt and savings.
- Limit Crеdit Card Usе: If possible, avoid using crеdit cards for non-еssеntial purchasеs. Stick to a dеbit card or cash to prеvеnt accumulating nеw dеbt.
- Build an Emеrgеncy Fund: Having an еmеrgеncy fund can hеlp you covеr unеxpеctеd еxpеnsеs without rеsorting to crеdit cards.
- Pay Off Balancеs Monthly: Aim to pay off your crеdit card balancе in full еach month to avoid intеrеst chargеs and maintain good crеdit.
Gaining Credit Card Financial Freedom Through Debt Relief
Crеdit card dеbt rеliеf offеrs various pathways to financial frееdom, еach with its bеnеfits and risks. Whеthеr you opt for dеbt consolidation, sеttlеmеnt, crеdit counsеling, or anothеr mеthod, thе kеy is to choosе a stratеgy that aligns with your financial goals and abilitiеs. By taking control of your dеbt, you can rеducе strеss, improvе your financial hеalth, and work toward a morе sеcurе futurе.
Questions on Credit Card Debt Relief
How long doеs thе crеdit card dеbt rеliеf procеss takе?
Thе lеngth of thе procеss dеpеnds on thе mеthod you choosе. Dеbt consolidation may takе sеvеral months to a fеw yеars, whilе dеbt sеttlеmеnt can takе anywhеrе from six months to a fеw yеars, dеpеnding on thе nеgotiations.
Will crеdit card dеbt rеliеf hurt my crеdit scorе?
Somе mеthods, likе dеbt consolidation and crеdit counsеling, may havе littlе to no nеgativе impact on your crеdit scorе. Dеbt sеttlеmеnt and bankruptcy, howеvеr, can significantly lowеr your scorе.
Can I nеgotiatе with crеditors on my own for dеbt sеttlеmеnt?
Yеs, you can nеgotiatе with crеditors dirеctly for a sеttlеmеnt. Howеvеr, working with a profеssional dеbt sеttlеmеnt company may improvе your chancеs of a favorable agrееmеnt.
What happеns if I miss a paymеnt during a dеbt managеmеnt plan?
Missing a paymеnt on a dеbt managеmеnt plan can lеad to thе cancеllation of thе agrееmеnt and thе rеinstatеmеnt of highеr intеrеst ratеs by crеditors. It’s crucial to stay committеd to thе paymеnt schеdulе.
Can I apply for a balancе transfеr if I havе bad crеdit?
Balance transfers typically require a good credit score to qualify. If you havе bad crеdit, you may not bе еligiblе for promotional ratеs, and othеr dеbt rеliеf options may bе morе suitablе.
Tech
6 Myths About Solar Energy Debunked

In recent years, the popularity of solar energy has skyrocketed as more homeowners recognize its potential benefits. Despite this increase in interest, many people are still held back by incorrect beliefs about solar energy.
Let’s explore six common myths surrounding this renewable energy source and the facts that debunk them in this solar installation guide.
1. Solar Energy is Too Expensive
One of the most widespread misconceptions about solar energy is that it is prohibitively expensive. While the initial investment for a solar power system can be significant, various financing options are available.
Many states also offer tax credits, rebates, and incentives that can greatly reduce costs. In fact, the long-term solar energy savings makes it one of the most energy-efficient solutions for homeowners!
2. Solar Panels Don’t Work in Cloudy Weather
Another prevalent myth is that solar panels aren’t effective unless it’s sunny all the time. While it’s true that solar panels are most efficient during direct sunlight, they can still generate energy on cloudy or rainy days.
In fact, most modern solar panels are designed to capture even diffused sunlight effectively.
3. Solar Energy Requires Too Much Maintenance
Many people think that once they install a solar power system, maintenance will be a headache. On the contrary, they are relatively low-maintenance.
Regular cleaning and occasional inspections are usually all that’s needed. Most manufacturers also provide warranties to cover any potential issues.
4. Installing Solar Panels Will Ruin Your Roof
Some homeowners fear that installing solar panels will damage their roofs. In reality, reputable solar installers know how to effectively mount panels without compromising the integrity of your roof.
Proper installation can actually improve your roof’s lifespan by protecting it from elements like UV rays and rain.
5. Solar Energy is Not Available Everywhere
While it’s true that solar energy is more effective in certain geographic locations, it is available almost everywhere. Cities and towns across the country, even in less sunny regions, are utilizing solar energy.
Innovative technology ensures that solar panels can efficiently generate power regardless of the climate. When in doubt, consult a renewable energy expert for region-specific advice.
6. Solar Panel is the Only Available Solar Energy Solution
Many people assume that solar panels are the only effective way to lower energy bills, but that isn’t true. Daylight solutions like Solatube can capture natural sunlight and channel it into interior spaces, reducing the need for artificial lighting during the day.
Visit https://thesolarguys.com/ to find out how to get started!
Don’t Let Myths Hinder Your Solar Journey!
Understanding the facts behind solar energy can empower homeowners to make informed decisions. By debunking these five myths, we can foster a clearer understanding of how solar energy can benefit us all. If you’re considering a shift to solar, take the leap and explore the options available to you!
As you plan your transition to renewable energy, consider working with experienced professionals who can guide you through the process. Don’t let misconceptions hold you back from harnessing the power of the sun.
Looking for more home improvement advice? Dive into our other blog posts for expert tips and inspiration!
READ ALSO: How to Maximise Energy with Solar Panel Cleaning Services
Tech
waxillgro279: Understanding Your Digital Identity

Did you know that the average person has over 90 online accounts? Each one requires a username, and many of those are autogenerated strings of characters you’d never choose yourself. That’s where an identifier like waxillgro279 comes in. It might look like random keyboard smashing, but it represents a much bigger story about your life online.
In this guide, we’ll pull back the curtain on these computer-generated usernames. We’ll explore what they are, why they matter for your security, and how you can manage them effectively. Let’s dive in.
What Exactly Is waxillgro279?
Before you assign any meaning to it, it’s crucial to understand that waxillgro279 is a prime example of a context-dependent identifier. In plain English, it’s a unique name created by a system, not a person.
Think of it like a digital license plate. It’s not meant to be poetic or memorable; its main job is to be unique. You might encounter a handle like this in several places:
- A new user account on a website or app.
- A temporary project ID in collaborative software.
- A transaction reference number for an online order.
- An auto-saved file name from a document editor.
The key takeaway? waxillgro279 itself has no inherent meaning. Its purpose is entirely defined by the system that generated it. You must check the source—the email, webpage, or app where you found it—to understand its true function.
A Step-by-Step Guide to Managing Autogenerated Identifiers
Finding a cryptic username in your inbox can be confusing. Here’s a simple, friendly guide to figuring out what to do with it.
- Don’t Panic or Assume. Your first reaction might be, “What is this? Is this a virus?” Remember, these identifiers are usually benign. Take a deep breath and proceed calmly.
- Verify the Source Immediately. This is the most critical step. Where did you see waxillgro279?
- Email: Check the sender’s address carefully. Is it from a company you know and trust, like Amazon, your bank, or a project management tool like Asana? Look for signs of phishing—poor grammar, urgent threats, or mismatched links.
- App or Website: Are you logged into a service? Check your account settings or notification center within the app itself. Never click on links from an unverified source.
- Understand Its Context. Once you’ve confirmed the source is legitimate, figure out the identifier’s role.
- Is it your new username for logging in?
- Is it a reference number for a customer support ticket?
- Is it a unique key for accessing a shared document?
- Decide on an Action.
- Save It: If it’s a important login ID or reference number, save it in a secure password manager or a trusted note-taking app.
- Ignore It: If it’s a temporary, one-time code, you can usually disregard it once you’ve used it.
- Change It: Many services allow you to change an autogenerated username to something more memorable in your account settings.
Why These Random Identifiers Actually Protect You
You might wonder why companies don’t just let you pick all your usernames. It seems like it would be easier! The truth is, autogenerated IDs like waxillgro279 play a huge role in modern online security.
Using a unique, random string makes it incredibly difficult for hackers to guess your login credentials through so-called “brute force” attacks. If every username was a common first name, accounts would be far less secure.
The chart below shows the relative strength of different types of usernames against automated hacking attempts. As you can see, a random alphanumeric string is significantly more robust than a common name or word.
Common Mistakes to Avoid
When dealing with these computer-assigned handles, a few missteps can cause headaches or even security risks.
- Treating It as Spam Immediately. Deleting that “welcome” email with your new user ID might mean you lose your only way to access a service you signed up for.
- Using It Across Multiple Sites. Never use the same password for waxillgro279 that you use for any other account. Its randomness is a strength, but password reuse is a critical weakness.
- Assuming All Autogenerated Messages are Safe. Scammers are clever. They know this trend and might send fake emails with similar-looking IDs. Always, always verify the source first.
Your Next Steps: Taking Control of Your Digital Self
Your online identity is a collection of these tiny data points. Managing them well is key to a secure and streamlined digital life. Here are your three key takeaways:
- Context is King. A string like waxillgro279 is meaningless without knowing where it came from. Verify the source before you do anything.
- Embrace the Randomness. These complex identifiers are a layer of security, not an inconvenience. They help keep your accounts safe from automated attacks.
- Use a Password Manager. This is the single best tool for storing these hard-to-remember usernames and generating strong, unique passwords for each of them.
What’s one change you’ll make today to better manage your digital footprints?
You May Also Read: Ovppyo: Emerging AI-Driven Automation Concept Explored
FAQs
I found “waxillgro279” in an email. Is it a virus?
Not necessarily. It is almost certainly an autogenerated username or ID from a legitimate service you signed up for. Carefully check the sender’s email address to verify it’s from a company you trust.
Can I change my autogenerated username?
In many cases, yes. Once you log into the service using the provided credentials, check your account settings or profile page. There is often an option to change your username to something more memorable.
Why do companies use such hard-to-remember names?
Primarily for uniqueness and security. Automated systems guarantee that no two users have the same ID, preventing conflicts. The randomness also makes it harder for bots to guess usernames during login attempts.
Should I be worried about privacy with these identifiers?
These IDs are typically designed to be anonymous and don’t contain personal information. However, always review the privacy policy of the service generating it to understand what data they associate with your account.
What’s the best way to keep track of them?
A dedicated password manager is highly recommended. It securely stores all your usernames, passwords, and notes, so you only need to remember one master password.
Is “waxillgro279” a product I can buy?
No. Based on its structure and common usage online, it is an identifier, not a commercial product. Be highly skeptical of any site trying to sell you something using this term.
What if I lose this username?
Use the “Forgot Username” or “Help” link on the service’s login page. You will typically need to provide the email address associated with the account, and they will send you a reminder.
Tech
FTAsiaFinance Technology: Asia’s Fintech Revolution Explained

Picture a street vendor in Manila instantly receiving payment from a tourist from Seoul using nothing but a QR code. Envision a small business in Vietnam securing a loan in minutes through an app that analyzes thousands of data points, not just a credit score. This isn’t a glimpse into a distant future; it’s the reality being built today across Asia, powered by the transformative wave of FTAsiaFinance technology.
This term is best understood not as a single company, but as a powerful label for the entire ecosystem of financial technology innovation sweeping the continent. It’s a story of digital wallets replacing cash, of AI streamlining compliance, and of blockchain creating new financial highways. At its heart, FTAsiaFinance technology is about making finance faster, more inclusive, and incredibly efficient for billions of people. Let’s dive into the engines driving this revolution.
The Core Pillars of Asia’s Fintech Transformation
The breakneck speed of financial change in Asia isn’t random. It’s being driven by a convergence of several powerful technological trends, each solving critical challenges and creating new opportunities for consumers and businesses alike.
The Digital Payments Boom: Say Goodbye to Cash
For many, the most visible face of the fintech revolution is the death of cash. Driven by ubiquitous smartphone adoption and a desire for convenience, digital and instant payments have become the default.
- Super Apps and QR Codes: Platforms like China’s Alipay and WeChat Pay, India’s PhonePe and GPay, and Southeast Asia’s Grab and Gojek have become “super apps.” Users can hail a ride, order food, pay bills, and send money to friends—all within a single ecosystem. The humble QR code is the bridge, turning any small merchant into a digital commerce node.
- Real-Time Transfers: National systems like India’s UPI and Singapore’s PayNow allow for instantaneous, 24/7 bank-to-bank transfers, making waiting for funds a thing of the past.
Mobile Wallet Adoption Growth in Southeast Asia (2002-2024)
A bar chart showing a near-vertical climb from a low base in 2020 to over 450 million users in 2024, highlighting the explosive adoption rate.
AI and Regtech: The Smart Brains Behind the Scenes
If payments are the heartbeat, artificial intelligence is the brain. AI is supercharging finance in two key ways: providing insights and managing risk.
- Credit Scoring and Lending: How do you lend to someone with no formal credit history? FTAsiaFinance technology leverages AI to analyze alternative data—phone usage patterns, utility bill payments, even social media activity—to create a financial identity for the “unbanked.” This is a game-changer for financial inclusion.
- Regulatory Technology (Regtech): For banks, complying with a maze of international and local regulations is costly and complex. AI-powered regtech tools can automate compliance checks, monitor transactions for fraud in real-time, and generate reports, saving institutions millions and making the system safer for everyone.
Open Banking and APIs: Unleashing Financial Data
Open banking is the simple but powerful idea that you own your financial data and should be able to share it securely with third-party apps to get better services. This is made possible through Application Programming Interfaces (APIs)—digital handshakes that allow different software to talk to each other.
- Imagine this: Instead of manually uploading bank statements for a mortgage application, you simply grant a lender permission to access the necessary data directly from your bank—securely and instantly. This seamless flow of information is empowering consumers and fostering a new wave of innovative financial products.
Blockchain, DeFi, and the CBDC Frontier
Perhaps the most futuristic—and debated—area of innovation lies with blockchain. While cryptocurrencies get the headlines, the underlying technology has profound implications.
- Cross-Border Payments: Traditional international money transfers are slow and expensive. Blockchain-based solutions can settle these transactions in seconds at a fraction of the cost, a huge benefit for a trade-heavy region like Asia.
- Central Bank Digital Currencies (CBDCs): Countries like China (with the digital yuan), India, and Thailand are already piloting their own sovereign digital currencies. Unlike volatile cryptocurrencies, a CBDC is digital cash issued and backed by the central bank, offering a new tool for monetary policy and financial stability.
Navigating the Regulatory Landscape
With great innovation comes the need for great responsibility. Asia’s regulators are walking a tightrope: they want to encourage the immense benefits of fintech while protecting consumers and ensuring financial stability. The approach varies widely.
- Sandbox Environments: Many countries, like Singapore and Hong Kong, have created “regulatory sandboxes.” This allows fintech startups to test new products in a controlled environment with real customers, without immediately facing the full burden of financial regulations.
- Balancing Act: The key challenge is finding the right balance. Too much regulation too soon can stifle innovation. Too little can lead to consumer harm and systemic risk. The ongoing evolution of this regulatory context is a critical part of the FTAsiaFinance technology story.
3 Actionable Tips to Leverage This Fintech Wave Today
This isn’t just abstract news; it’s a shift you can benefit from right now.
- Embrace a Digital Wallet: If you haven’t already, download a reputable digital wallet or payment app common in your country. Link it to your bank account and use it for small, daily transactions. Experience the convenience firsthand.
- Explore Personal Finance Apps: Use open banking to your advantage. Connect your accounts to a budgeting app that gives you a unified view of your finances, helping you track spending and save more effectively.
- Stay Curiously Informed: The fintech space moves fast. Follow a few reputable tech or finance news sources focused on Asia. Understanding these trends can help you make smarter financial decisions and even spot new career opportunities.
The story of FTAsiaFinance technology is still being written. It’s a collaborative effort between visionary startups, forward-thinking banks, and adaptable regulators, all focused on building a financial system that works for everyone. The transformation is profound, and it’s happening right now.
What aspect of Asia’s fintech revolution excites or concerns you the most? Have you had a personal experience with these technologies? Share your thoughts and stories in the comments below!
You May Also Read: Ovppyo: Emerging AI-Driven Automation Concept Explored
FAQs
Is FTAsiaFinance technology a specific company I can invest in?
No, it is not a single company. It’s an umbrella term used to describe the broad ecosystem of financial technology innovations and companies focused on the Asian market.
Are digital wallets and super apps safe to use?
Reputable apps employ bank-level security, including encryption and two-factor authentication (2FA). However, always practice good digital hygiene: use strong passwords, never share your OTPs, and only download apps from official stores.
What is the biggest barrier to fintech adoption in Asia?
While adoption is high, challenges remain. These include the digital divide between urban and rural areas, concerns over data privacy, and the complexity of creating harmonized regulations across different countries.
How is AI in fintech different from traditional banking software?
Traditional software follows predefined rules. AI and machine learning can learn from data, identify patterns, and make predictions or decisions without being explicitly programmed for every scenario, making it far more adaptive and powerful.
Will CBDCs replace cash completely?
It’s unlikely in the near future. Most central banks view CBDCs as a complement to cash, not a replacement. They aim to provide a secure, digital alternative for those who want it while ensuring cash remains available.
How does open banking benefit me if I’m not a tech expert?
You don’t need to be an expert! The benefits come through the apps you use. You’ll get easier account switching, personalized financial advice, and faster loan approvals because apps can securely access the data they need with your permission.
What’s the next big trend in Asian fintech?
“Embedded finance” is a major frontier. This is where financial services are seamlessly integrated into non-financial apps—like buying insurance at the click of a button when booking a flight or getting a point-of-sale loan at an online checkout.
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