Abstract of the customer demand all the time,

Abstract This paper tends to the execution of Customer Relationship Management (CRM) in insurance agencies. Consequently, we checked on a few specific papers tending to territorial and universal answers for customer relationship management. We center around techniques utilized in deals management with reference to the benchmarks of customer benefit and the models utilized in customer relationship management. The point of the creators is to display the advantages coming about because of the utilization of new advances, subsequently evaluating the pace of progress, the new chances and the requirement for adaptability in the relationship with customers. Alongside the innovative part the human segment is likewise present with a specific end goal to guarantee the fruitful execution of CRM. 1. Introduction The rising desires for customers have constrained the protection part to present increasingly new customer relationship management activities as it has a genuine effect on the offer of the protection items, while the innovative advances and diminishing expenses of innovation have lessened boundaries to receiving IT based CRM activities. As the gainfulness of the protection division is for the most part rely upon the administrations it offers and on taking care of the customer demand all the time, this recommends a decent CRM activities must be the establishment of the protection area. The significant weight the business faces is acquiring and keeping customers. This is because of the way that it has turned out to be progressively troublesome for this specific area to pick up benefits while abridging costs. The reason for the paper is to display the advantages coming about because of the utilization of new advances, along these lines assessing the pace of progress, the new chances and the requirement for adaptability in the association with customers while featuring the significance of the human part keeping in mind the end goal to guarantee the effective usage of CRM. 2. Literature review Around the world, particularly created nations are described by a steady insurance showcase with low development potential and a high level of aggressiveness, the spotlight in these territories being on making and dealing with an arrangement of productive customers and looking after it (Biswamohan and Bidhubhusan, 2012). The embraced procedures consider enhancing after-deals administrations (especially in the field of harm management and grumbling goals) and to create alluring and complex item bundles that intently coordinate the customer prerequisites. In such manner a vital part has a place with the execution of the customer relationship management idea in the insurance business. Contrasted with this circumstance, in the Focal and Eastern European nations, which have their insurance showcase in a creating stage, procedures are for the most part centered around drawing in more customers (because of the imperative insurable potential) by creating insurance items as open as could be allowed and less on totally addressing the requirement for insurance. The nearness of universally celebrated brands in the Focal and Eastern European insurance showcase (Vienna Insurance Gathering, Allianz, Axa, Groupama, Uniqa) is because of the huge capability of these business sectors that can be effortlessly abused. Thusly, inside the best organizations rivalry is tight, every one of them attempting to adjust and authorize their own gauges and qualities that have guaranteed their prosperity universally. Additionally the deregulation and progression process intended to build up a solitary European budgetary market had some vital ramifications for the insurance business. Because of expanded rivalry, European insurance organizations needed to adjust their expenses and work effectively to make due in this new condition. (Kasman and Turgutlu, 2011) In this extremely complex setting, it ends up important to create in Romania likewise, a few procedures equipped to keeping up and saving the customer portfolio, in view of the standards of customer relationship management (CRM). Right now, on the insurance advertise in Romania, organizations confront better educated customers and more worried about the quality/value proportion of the offered insurance items and after deals administrations (especially in overseeing harm). The accident coverage portion is especially described by a high degree versatility of customers, that change their back up plan looking for at a superior cost for the auto obligation insurance (RCA), because of the expanded taxes in CASCO insurance items (due to an expanded measure of pay coming about because of expanded costs charged by benefit organizations and expanded extra parts costs) or because of disappointment felt when unraveling the harm guarantee (late or halfway pay of the harm). A fulfilled customer remains consistent with the organization, buys other insurance items too, sends off good messages for the organizations picture and its items, gives careful consideration to contending brands and to their promoting and it is less touchy to cost, inferring a lower cost of administration than new customers since exchanges are as of now a matter of routine (Montserrat, Scheike and Nielsen, 2012). Because of the broadened prerequisites assembling path in the insurance showcase in Romania, it is important to create European standard after-deals benefit. The nature of administrations offered in the field of insurance is firmly connected to the manner in which databases existing in the insurance organizations are overseen. In conditions where we have a performing PC framework recording and overseeing insurance strategies, we can create particular applications, that are vital in the interior examination of every division contemplating its movement and can be utilized to break down the volume of the gross composed premiums, the measure of remunerations paid, the coherence and time of insurance – per customer, per business line (auto, property, risk, and so forth.) per branch/examiner, per teammate and so on. The utilities of uses produced for the customer portfolio underlie the advancement of the customer mind exercises. Among these we specify Customer notification services on payment deadlines and renewal of insurance policies Providing facilities or bonuses according to the customers contract length and damage rate Services to inform customers about new products, promotional offers etc. An especially imperative advantage for the organization, coming about because of these particular applications, is the likelihood of distinguishing productive customers considered concurring into business lines, keeping in mind the end goal to make them faithful on the long run. Recognizing and holding customers that enroll a harm rate beneath 70 in the Casco insurance fragment, is a critical essential for making this section gainful. This is especially essential given the way that, in the Romanian Casco collision protection showcase, the proportion between the gross paid repayments (as remunerations) and the gross composed premiums is 99, contrasted with the normal of 71 enlisted by the European Associations market. 3. Methodology The exploration focal point of this investigation is the Romanian insurance market and its methodologies towards taking care of customer relationship management techniques in agreement to the European system. We concentrated fundamentally on auxiliary information and broke down the fields writing endeavoring to watch if for the most part fruitful CRM procedures are accepted by the insurance organizations and what is the key component in this industry. 4. Specific elements of CRM in insurance The term customer relationship management envelops each one of those ideas utilized by organizations in connection to their customers including the catching, putting away and examination of data about customers, while considering the informations protection and security. This is a business system that impacts the procedures, the way of life and innovation of an association keeping in mind the end goal to improve income and increment its incentive by comprehension and addressing the requirements of individual customers. Usage of such a framework includes the systematization of tasks particular to every specific field, in a specific foreordained request and considering various segments, for example, investigating the organization – customer relationship in deals, advertising and administrations, deciding the productivity of presenting the CRM framework by breaking down the expenses and time required for CRM execution and the undertaking and information important to do the CRM procedure (Kumar, 2012). Anyway the customer relationship management process is looked with changed difficulties, common for each field of movement, which cant be settled by applying the same institutionalized arrangement. In the insurance field the execution of this procedure ended up being to a great degree complex particularly on account of the distinctions that are particular to each kind of insurance a) Property insurance b) Life insurance c) Liability insurance. Property insurance manages property having a place with people or legitimate elements and might be the subject of normal marvels or mischances (autos, structures, family merchandise, resources and so forth). So essentially all versatile or steady property having a place with people or legitimate elements can be safeguarded (certainly acknowledged as customers). Obviously, contingent upon the functional states of the particular condition the safety net providers work in, their own arrangements and their involvement in a specific market, certain benefits are not guaranteed. The conditions for guaranteeing a property or not, may differ starting with one organization then onto the next, starting with one market then onto the next. For instance in the Romanian land insurance industry, the structures that are falling into the first seismic hazard class (red dabbed structures) are not safeguarded for tremor chance. Records are set up by districts, yet after reviews completed by delegates of the back up plans these rundowns can be stretched out to different structures as well. In the field of Casco accident coverage, on the grounds that the high harm proportion recorded by this fragment on the Romanian market (net paid repayments speaking to around 90 of the gross composed premiums), a few safety net providers force limitations with regards to safeguarding autos that are excessively old (for instance they dont guarantee autos being increasingly that 10 years of age) keeping in mind the end goal to diminish misfortunes (reimbursements paid for this sort of autos are typically higher than the paid premium) In the zone of property insurance (corporate) there are times when certain mechanical articles cant be assumed control by the insurance organization in the event that they cant reinsure the greater part of the dangers that may make harm their goal. A huge illustration can be Cernavoda atomic plant for which the insurance instrument includes scattering of hazard however much as could reasonably be expected. Consequently it is anchored by two pools (associations of insurance organizations which partner to cover chance) with custom in atomic security one is English, English Nuclear Vitality Insurance Comity (which incorporates 60 organizations) and another Italian (which incorporates 30 organizations). In the event that to these figures we additionally include the ten partaking Romanian insurance organizations and the organizations that are included in a roundabout way as reinsurers, we can without much of a stretch reach the determination that the quantity of organizations taking an interest somehow to guarantee the Cernavoda atomic power plant is more than 100. Agrarian insurance disappointments have additionally been hazardous in time, particularly when this field has been intensely and wrongfully sponsored in a few nations. Capitanio, Diaz-Caneja, Cafiero and Adinolfid (2011) utilizing a straightforward exact model of insurance markets, appear in one of their investigation that, the hazard in sponsored horticulture should just be taken by back up plans when the offer can be focused without the appropriations. Generally the agrarian offer is just at first glance productive, being a cover for a couple of monopolistic organizations which benefit from the states financial plan. Life coverage manages the individual himself and it is intended to lessen interruption caused by catastrophic events, mischances, sickness and so on., or it comprises of paying the safeguarded sums regarding the generation of specific occasions (demise, incapacity, and so forth.). Obviously, in this sort of insurance likewise, there are special cases a few people cant be given insurance, such as, individuals matured more than 65. Risk insurance repays harms caused to outsiders for bias caused by the guaranteed. Consequently, contingent upon the kind of asserted insurance, customers are acknowledged for insurance in the event that they fall inside the criteria predefined by the back up plan. Insurance has numerous particular qualities that in time turned out to be risky for the executing of customer relationship management. Right off the bat huge numbers of the particular items require less after-deals benefit. When you have obtained a disaster protection for instance, the following critical occasion is the claim or the terminating term. In this manner putting resources into extra administrations for such an item isnt advocated by an expansion in benefits and along these lines the cost of CRM execution is additionally not legitimized. Also deals constrain in extra security is more disposed towards new buys. In spite of the fact that in deals it is perceived that strategically pitching is less expensive than the securing of new customers, the remuneration structure and preparing of sales representatives in the field, supports the procurement of new customers to the drawback of building up the current ones. Thirdly it is critical to comprehend that the right information isnt accurately shared over the inventory network, which is made out of a few levels on the B2B2C display. For the customer relationship management framework to be really viable it must have the capacity to give a point of convergence of data, for all gatherings to see the connection to the last customer. At long last, regularly, actualizing CRM in insurance faces the issue of misidentification of the customer. Such a framework thinks about merchants as being customers, totally disregarding the solid aftereffect of the deal to the last purchaser (BlueSun Inc., p.2). 5. The key processes of customer relationship management The customer relationship management envelops an expansive range of exercises beginning with the division of customers in the database and proceeding with getting new customers and holding the current ones. In this manner CRM isnt only an innovation yet rather a wise framework, a customer-focused approach of the associations rationality in managing its customers. The customer relationship management process in the insurance business faces numerous difficulties that are clarified in Figure 1. As a matter of first importance, for reasonable and powerful customer division, the customer database should be very wealthy in data. This incorporates statistic data, data on way of life, family, needs and inclinations. The test for most associations is to gather this information given that the ordinary procedure of offering and completing administrations gathers next to no data of this kind. By and large, the division and examination exercises connected to the insurance items portfolio, as per customer composes or targets composes, as far as gross composed premiums, earned gross premiums, premium stores, paid repayments, guarantee saves are made in the Statistician Course. Any insurance organization has in its structure an element of this kind. The actuarial analytics movement, emerged in certain particular reports, depends intensely on the multifaceted nature and execution of the IT framework. The actuarial computation movement is firmly identified with the endorsing action, having an extremely solid specialized character. By and large, the actuarial count action, fundamentally includes gathering insights on the likelihood of the guaranteed harm to happen inside the particular classification the safeguarded objective have a place with. In extra security this undertaking isnt convoluted at all comprising in forecasts of the death rate by age, joined with different factors, for example, sex, occupation, smoking, and so forth. In non-disaster protection, the order of the safeguarded destinations includes a more perplexing action because of the decent variety and the large number of specialized qualities. Once having gathered measurable information identified with the classes of the guaranteed destinations, the subsequent stage is to honestly gauge the future misfortunes for an adequately extensive stretch of time contingent upon which the specialized insurance rates are set. The second step comprises in examining these databases, its goals being division, strategically pitching, longterm customer maintenance, and so forth. Objectives are accomplished through various methodologies of the investigation to be specific by information affiliation, bunching or order. Fig.1. Difficulties in customer relationship management (source Goodbye Consultancy Administrations) The subsequent stage concerns the significance of the association with the safety net provider in an area and through different channels that are accessible to the shopper, which is critical for a proficient administration management. The CRM conspire alludes to the consistency of correspondence between the diverse channels through which the association offers administrations to its customers. Giving predictable correspondence between the different channels (contact focuses, deals and administration auxiliaries, entryways) is hazardous if there is no incorporated approach for putting away and getting to the data gathered from customers. It is likewise required to actualize some insightful measures at the work destinations which in the wake of having gotten the gathered crude information must have the capacity to make the fundamental associations with increment strategically pitching in light of customer profile and its long haul unwaveringness. Customers of insurance organizations typically hold in excess of one contract with a similar safety net provider. A speculation of established survival examination can be utilized to analyze the danger of losing a customer once he drops an underlying insurance strategy. This technique, examined by Guilln, Nielsen, Scheike and Prez-Marn (2012) does not expect that the model parameters are settled after some time, but instead that they may change. The creators demonstrate how expectations about the likelihood of losing a customer can be adjusted by enhancing the manner in which organizations oversee business hazard and customer relationship management. The component for gathering input from customers is likewise one of the difficulties of the CRM usage process. This system is set up and it is actualized through statistical surveying and center gatherings, however the outcome is confined because of the little size of tests and the inadequate recurrence of research. It is subsequently a test for safety net providers to build up a continuous instrument to get input from customers, wholesalers and representatives, enabling them to present items and administrations that address the requirements of purchasers. At last, it is important to make a coordinated view on the customer data, over all units of the association. In this way the guarantor must approach likewise the customer, over its organizations, divisions and items. This framework is additionally critical from the viewpoint of the hazard, the safety net provider having the capacity to watch the aggregation of hazard on account of a customer that uses different results of the organization. Given that appropriately actualized CRM frameworks are extending in the vast majority of the organizations zones it has been recommended that associations ought to receive a comprehensive approach and place CRM in its inside by focusing on its system and every one of the procedures coordinated towards the customers (Girishankar, 2000) . For Trepper (2000) CRMs conceptualization goes past the management arrangement of a customer benefit division, uniting operational, systematic and synergistic components. As per Newell (2000) buyers are most ordinarily separated into three unmistakable classifications the best, center and the lower gathering. The best gathering (top 10) comprises of customers with phenomenal devotion conveying high benefits to the association. The CRM framework must hold these customers and give them the best administrations to keep them from setting off to the opposition. The center gathering (the following 40 to half) are the individuals who make vast benefits and can possibly build their gainfulness and reliability. These are customers who are likely likewise working with contending organizations. The CRM framework must be utilized for this situation to effectively distinguish the necessities of this gathering, which is the primary wellspring of potential development for any organization. Customers in the base gathering (40 to half) have a base productivity. Some may have a development potential yet the expenses and endeavors required to actuate it are too high. In this manner CRM ought to be utilized for this situation to recognize this gathering and choose what the organization ought to do with these individuals. This has the twofold favorable position of enhancing the organizations benefit prospects while likely emptying these weights on the oppositions shoulders. 6. Conclusions CRM is an intense instrument, yet it stays only an innovation that cant yield results without anyone elses input and it needs somebody to know how to utilize it. Supervisors frequently utilized the CRM framework to assemble data about their customers and to have the capacity to adjust their offer to the requirements and want of every customer. Shockingly modifying the offer for a market portion which is excessively tight can be to a great degree costly and if the association neglects to adequately process the data it tends to be overpowered by a lot of data. Regardless of how all around executed, the customer relationship management framework cant supplant a strong system, concentrating on the customer. Truth be told, such a system should as of now exist while actualizing CRM. To grow such a customer arranged procedure the organization should as a matter of first importance comprehend who the objective customer is and for this he should answer a few inquiries o What are your most productive customers What makes them productive o Why do they purchase from you and not from your rivals o What rate from the aggregate populace in spoken to by these customers Would you be able to discover more customers with a similar profile o How would you be able to decide these customers to purchase more from you o How will you deal with the less beneficial customers so as to decrease the costs they infer The responses to the above inquiries are forming what is called customer division investigation. Until the point that you comprehend who your productive customers are you wont have the capacity to utilize the customer relationship management framework at its full limit. The CRM framework can help from various perspectives, for example, examination of information identified with expenses and incomes of the customers, buyer conduct identified with items and administrations, recognizing beneficial customers and those with potential, yet it cant supplant human work which can build up a one of a kind procedure for getting and assembling relationships with customers and holding them on the long haul. We do perceive the impediments of our examination, which basically remain in the absence of a contextual analysis. Anyway we consider the point of customer relationship management extremely pertinent in the field of insurance and we trust that this theme merits a more extensive research on an extremely significant example, examining the manner in which insurance organizations figure out how to hold or lose customers by upholding CRM systems or by fail to do as such. With respect to insurance industry it has been regularly blamed for being hesitant to change. It should anyway be noticed that this industry is based on the thought of hazard management. Staying away from over the top dangers, safety net providers influence benefit by contributing the customers cash and paying short of what they to get, in this way the hesitance to chance is precisely the thing that describes them. The CRM usage process, and every one of the prerequisites of such a huge task, has been the fundamental wellspring of advancement in the insurance business. When all is said in done, guarantors have concentrated on four sorts of tasks improving the customer connection focus, deals constrain change, industrialization/computerization of offers and checking of interpersonal organizations. References Biswamohan, D., Bidhubhusan, M., 2012. E-CRM Practices and Customer Satisfaction in Insurance Sector, Research Journal of Management Sciences, vol. 1(1), pp. 2-6. BlueSun Inc., 2009. BlueSun White Paper How CRM has failed insurance, p.2. Capitanio, F., Diaz-Caneja, M.B., Cafiero, C. si Adinolfid, F., 2011. Does market competitiveness significantly affect public intervention in agricultural insurance the case in Italy, Applied Economics, vol. 43, nr. 27, pp. 4149-4159 Girishankar, S., 2000. Companies Want CRM Tools to Manage Business Relationships, Information Week, pp. 65. n the single insurance market, International Review of Applied Economics, vol. 25, no. 3 Kimar, V., Reinartz, W., 2012. Customer Relationship Management. Concept, Strategy and Tools, Springer Berlin Heidelberg, pp. 55-85. D 8 lLpGD 8M-_tLvD oCJ0qgmLqcxptjyia5ghYfxQE5kB,dvBGxAmJ8jdFy95 5D wih/5.x/
R M K 7S(1N2GL5roIkZ95uZuQXZ([email protected]@[email protected]@[email protected]@[email protected]@[email protected]@[email protected]@[email protected]@[email protected]@[email protected]@[email protected] EPISUN4 MQFZ9,sQv9bQ4M2RiZSp5yU8NRQguoson sWkHbkzSH,_Kc7mx 2Kk8 X)KPtw6cNmFTI jr)Y)zIxWSy4MpCZwWZnxqM)4nfxSjX92rk7abw8
txJU(Y4aZ gw7kBKxpqr..JI0J)N 8FL 0C 8X)hEH 8vhJr7 9sE pSXPj kW04j i D /[email protected],DDSRzw/WxVjnYGHJpi.5ai-.3sU(M9Q5(J6ZJ53Ehw4y8y5RMwCqHMSNVoN(fG eso/HLJ5UVIaK_fku J(KGAVaJ.yPZi3oVSKuVbKH9w k D9 PVfL @J _S_ vCFZu_x3ERatiOquR NND BSO MSUaIzIdLg Sr)oyzRGwh6S9N Hiyrp0sYfoG4tu8Lx5TsEc3HT8VSyQJ H B)2MH OZA)ISezFH [email protected]/[email protected])KSqRSRGZMR)u RNG0s2 p6Ig1a9rxjysN n7uF kZz1QB
[email protected](igp8oFO/atU F i.8Wjzvou @Kje1jVlaa5u9xWz-To FvxNo1
OqJUjpR H mwHz
1eAan1W nzGn5fnlWKsbXA
EFjyZ Ew7 Zxm,ccyq54jceF,5AgV.V3Q3ZnWeb9ZJma_i1Ia8jGd505M)j
CIqOj2jci_3Ii3IisL40jx9VEZSRKEW)SRhxRH O5OhS)(8zguOGF4v -zXn69zGT zjy8BriFjFQiO51OJ23Q ([email protected]
GmHGSQ EYZW_vaV/YvcPHGxDiKV- Y7g2oizXCFu0EwltHaAV9UJiX wqeNnmUIGj8Qq0kYUze81EcSnt5ehcU9-678b Qn.QaAE0G_vj/gw VDjkxYr1Y GPr
( ssiZ48QTNszjirQIBpM44ij0)[email protected] O 85D (lSd8lT2p 86yj1.f t( FkNXYUdJ)j( f S(T9KxQf3p,nouWotmWAymWNSR qZUBrNuutwNJ8 wjI3jUhvhLJzCU_OntYufN7OAPRW(xT4LeZQS7 J6w7JEwHxssx.f RRqVv8C4F6nL3Lo2 (_N4p5DlZzVghsUN [email protected] 4 1W
rm-M4ilzvWq4i8918AVnJ I)ILd6u7S3(ZvAkNsOZVsi Yfmi5cWzw qm)9 JQ8ru dwqiO62L/5Nhuv_ T_bHz/,uS1 I-Hw(gnKtD19GzKMlpWx/vnxDnaU)u)le8ox_m bXviXR3RUtvo.8rr3/h-QBa5IhkG-UlG.-SR X-gG2V/i7yS4J5hpUmXvbbCXXs.easA)NgNITUd/vu SI_-4IbfTUDSLtiFjAnkSInIab MLO 5PXVqn89Je7nfRrnLiiU
IyRQ5vI,NGzkgAXECrZ7i_fDeTZk6odkH-ax-t twKvdv0R,TVFtiieWi,[email protected]/R uzL6dQJ1QwhxA cJM4iIT 0 @M7VQafSzvGx3FG.40RhF
9 o8GxZK
[email protected](PtmgOBffghd58Q/X21Vo8yw9m8zh76Ge,-c_ Ki a1Ac(Y-1AkTF65Z9o [email protected] /jTS4E)czbism_j-I5 .muZurZ(E UZbgk
)RynXmtW97I4IEwEVqe25 InRjTORMXI(EUcxjZs T)eG()_QuciqseSUdvMSv(6_Qj-iJ6NRqrHdP.xBMXg cpAr.WTkwTk73CZhm4ubJU A1It2(d Zi7,jFqs1,hn C9 z56TYP1HIIgxYPkDd
GIMKhey jIc-qae5HcnIu8fQQ1M4NkZ4tcrL)I.Jw6R5,
udv. qWKUL05e.Hm/pq 7
[email protected] OHkGVWmvtWEXYU_ gpUCYtohkUS(Q cEak JMqWQvjni12
Gj,n50QQVKR)L E9izR,EEp5t.2Z mT94UhjykjlNr3)iiiQy [email protected]( 8TU4QH) 6i(Ei(QRDRjEfxjH-Hj1OtotKz8jWiOaY UQm5cJzq4yOdp8tjix 9_2UVr13y8 524vENwtZoSiXAS93d-EKKswt956 Rt4qEkY7UgxW._QBQ u/
Z_2HkUy_XeK4OZxcGx2kY9GwN7wi N4jbZpkGY2 Csm 5cE T
Z–ISwG7ght(xOqxMsuGKhu2WICKsZO.C/Z.,iY c_Y-52M/uu9uPoWqUUWqyQYjxj52 VV-krF.RC
1Tg1–[email protected]
fHZOjbAm oANdYvphZx.2k
Ao8ivwo)5 ep([email protected])El bjwc-OFATEKfppTSI2nJ
r_IG4Wvx4 KiwVxPeh,k)jQQL.ndG-5 J,[email protected]
MTA5Og_egQi/l/4 W KjxtvkSRCTj6TrEpyXfU9bTUmJOnUO5kX6ji5NV2c5 cMsAsN NFfheI5v7wir5
iwyCkIGnqkjF S-kuW 48ZacTdz1Y)2)[email protected] MSIa4-_jV,aFZm8ZeS([email protected] (@D9E T O B 6M 4j0sJ 4N cNcQNMFMcFi H 4iv.ifSN)YQ4Qu.I7duvt3m,YJ4NUrQGCN)sZ HA_
tZ [email protected](/PEMmAR.
awv5Ti6q)HbPfgx/8q MTle(sUVgfiUbWi3sYFvhO mGIUp)TcfD2)[email protected]/z GnMq/[email protected](I6o1Ft lqQ5H6L4LnxlS26O4FdMM4vBaue8r cuo-Cr9 Dj7FTcL44kC KFz3O 4Za0qRL
6HbR)Ub)[email protected])RI(,
L8SZ9AR9J0c)EfIC Y, dXiJ(x(I_TS1EZBmU/xYy5g/GMGeD3Vqq8K)fw9
(W )6-rCSj id DAIqbJx6kASht(QpmcaSlXP1Mh9MVdDAaVBfJP8AVf 6Q


I'm Owen!

Would you like to get a custom essay? How about receiving a customized one?

Check it out