PJO Insurance Brokerage is a full-service independent insurance agency that specializes in providing personalized insurance solutions for individuals and businesses. With our brokers having over 60 years of combined insurance experience, at PJO Insurance Brokerage, we take pride in the fact that we put our clients’ needs first and foremost.
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News headlines and insights into top stories from Business Insurance, a weekly newspaper covering risk management, employee benefits and commercial insurance.
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Joanna Wyckoff and Kathe Kline each work in the Medicare space, but they run their businesses very differently. Tune in each week to find out what they are talking about and how they can help your Medicare and ACA business grow. Do you want us to talk about something on the show? Send us an audio message (you are giving us permission to use it on the show) at https://s.bcast.fm/insurance-business-babes.
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321 Biz Dev is the number one consulting firm in the world offering sales systems and business development services for attorneys, CPAs, plastic surgeons, dentists, insurance brokers, real estate brokers.321 Biz Dev helps any small business owner with a sales function who wants to increase performance, productivity and profitability using superior business development and sales training tools. Podcast episodes focus on the four main sales functions: contacting, prospecting, appointment setti ...
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Insurance conversations about what it is like to work in the industry. We talk with professionals who work in all aspects of the industry from direct writers to excess and surplus lines brokers and everyone in-between. If you want to learn more about the insurance industry, The Business of Insurance is the place to start.
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Episode 880: Professional Booking Is an Investment, Not an Expense
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Numbers do not lie. Support the Show. Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.com저자 Rick Nappier
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Medicaid Waivers and other Out of the Box ideas for your clients
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🎙️ Deep Dive into Medicaid Waivers, Prescription Assistance, and other ways to help your clients save money🎙️ 🔑 3 Key Takeaways: - 🏡 Community-Based Support: Medicaid waivers enable community-based care, preventing institutionalization and fostering at-home independence for those with severe disabilities or in need of 24-hour care. - 💉 Access to Me…
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Episode 4: Understanding Policies For Insuring Against Errors And Omissions
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In this episode of our podcast, we're diving deep into the complexities of Errors and Omissions Insurance, highlighting its critical role in Arizona's business landscape. Remember, almost every business that provides a service for a fee will have some Errors and Omissions exposure, and thus is vulnerable to claims and lawsuits alleging negligence, …
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Understanding Policies For Insuring Against Errors And Omissions
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In this episode of our podcast, we're diving deep into the complexities of Errors and Omissions Insurance, highlighting its critical role in Arizona's business landscape. Remember, almost every business that provides a service for a fee will have some Errors and Omissions exposure, and thus is vulnerable to claims and lawsuits alleging negligence, …
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Episode 881: Tell-Tale Troubling Bookkeeping Indicators to Signal Calling Karla
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Numbers do not lie. Support the Show. Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.com저자 Rick Nappier
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Episode 879: Be A Professional, First. Then Use Your Physical Attributes, If Necessary
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Put your product first. Support the Show. Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.com저자 Rick Nappier
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Episode 878: D’MAMA 4: Contacting, Prospecting and the Closing for Realtors
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This will continue. Support the show Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.com저자 Rick Nappier
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Episode 877: DMAMA3, Building Value Will Not Be the Same After the NAR Settlement
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Sellers only want to maximize their net settlement. Building value is no longer a priority. Support the show Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.com저자 Rick Nappier
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Episode 875: What Realtors Did Before NAR Settlement-D'MAMA “Doesn’t Mean Anything Much Anymore”
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Business owners were blindsided. Support the show Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.com저자 Rick Nappier
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Episode 874: ”You Chose to Work As A ________, But You Didn’t Realize You Must Be a Salesperson Too”
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The awakening is here. Support the show Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.com저자 Rick Nappier
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Understanding Health Care Professionals' Concerns About Medicare Advantage Plans: Exploring Real Issues
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In this episode of the Insurance Business Babes podcast, hosts Kathe Kline and Joanna Wyckoff delved into the contentious issue of why healthcare workers often dislike Medicare Advantage Plans. This discussion sheds light on the complexities and nuances involved in navigating the intricacies of healthcare coverage, particularly for senior citizens.…
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Episode 873: Republishing 2019 Episode: Realtors Flaunting Their Incomes on Social Media Led to Commission Restructuring
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Everything I said in 2019 was correct about real estate agents flaunting their lifestyles while 9-5 workers had to grind it out for money. Social media is the reason why real estate agent commissions are under attack. I was a CA real estate and soon will be a GA agent. So, I'm talking from experience. Music is in the background so people cannot alt…
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Episode 872: Realtors About to Experience Significant New Realties When Selling Homes
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It's about to go down. Support the Show. Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.com저자 Rick Nappier
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Episode 871: Heather Vernillo, Florida, FNP-BC, Discusses Perimenopause and Dutch Testing
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Article link: https://people.com/halle-berry-doctor-mistook-herpes-was-actually-perimenopause-8620534 www.vernillowellness.com Support the show Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.com저자 Rick Nappier
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This weeks podcast episode is all about the Tech Tools you should consider using. # Revolutionizing Insurance Business with Cutting-Edge Tech As a seasoned professional or a budding entrepreneur in the competitive insurance industry, staying abreast of the latest technological advancements is imperative for success. In today’s episode of Insurance …
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From Pass to Prep: How New Agents Can Hit the Ground Running
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Here's a sneak peek of what this episode holds for you: 1. **Contract Quest: Shop Around!** Don't sign on the dotted line without shopping around first. Our hosts discuss why interviewing different agents and understanding their release policies are key steps for securing the most beneficial partnership for your budding business. 2. **Prenups of Bu…
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Episode 3: Understanding Property Inland Marine Coverage in Arizona
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In this podcast we’ll provide information about the property/inland marine coverage for companies in Arizona that need to prevent significant losses due to a major disaster. There are several types of property and inland marine coverages available on your Arizona Property/Inland Insurance Policy. If your company would like to explore what coverages…
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In this podcast we’ll provide information about the property/inland marine coverage for companies in Arizona that need to prevent significant losses due to a major disaster. There are several types of property and inland marine coverages available on your Arizona Property/Inland Insurance Policy. If your company would like to explore what coverages…
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This Week on the Podcast: Kathe and Joanna dive deep into the world of accountability coworking. They discuss how light white noise and camera presence during remote work sessions can make a significant difference in staying focused. Learn strategies from our hosts' personal experiences on how to keep your home office productivity on point. 🪞 Virtu…
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Are you prepared to Lose your FMO (or at least the benefits they provide)?
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In our latest episode, "Are you prepared to lose your FMO?" Kathe Kline and Joanna Wyckoff delve deep into what it means to be autonomous in the unpredictable insurance business world. 👩⚖️ Takeaways from the Episode: 1. Backup Plans are Crucial: Start learning now—don't wait until the FMO rug is pulled out from under you. Being proactive can secur…
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Making Every Conference Count: Valuable Lessons for Insurance Agents
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Are you ready to sail into success? 🚢 Join Kathe Kline and Joanna Wyckoff as we anchor down this week's buzz-worthy topics on the "Insurance Business Babes" podcast. Here's a Snapshot of Our Latest Episode: 🚤 Potential Future Cruise Conference Buzz - We're on the edge of our seats too! The conference schedule is still under wraps, but we can barely…
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Exploring the Different Types of Veterans and Their Healthcare Options
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In this episode, Joanna and Kathe tackle the confusion surrounding VA benefits and how they interact with Medicare plans. They explain that there are different types of veterans, some who did not receive retirement benefits and others who retired from 20+ years of service or were medically retired and receive TRICARE or VA healthcare. While TRICARE…
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Kathe Kline and Joanna Wyckoff shared invaluable insights on the power of networking and referrals in the insurance business. Here are 3 key takeaways from the episode: 1. Engage in Meaningful Networking: Learn the art of meaningful networking from the experts themselves. Discover how to leverage unexpected connections for valuable leads and never …
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Episode 2: Understanding The Role Of Directors And Officers Liability Insurance
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In this episode, we aim to enlighten you on the significance of Directors’ and Officers’ Liability Insurance and its critical role within the complex terrain of today's business environment. Directors and Officers are responsible for managing their companies and, in certain cases, could face significant personal liability. This includes costs relat…
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Understanding The Role Of Directors And Officers Liability Insurance
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In this episode, we aim to enlighten you on the significance of Directors’ and Officers’ Liability Insurance and its critical role within the complex terrain of today's business environment. Directors and Officers are responsible for managing their companies and, in certain cases, could face significant personal liability. This includes costs relat…
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Here's a sneak peek at what you can expect from this Part One of a Two Part Episode on the most requested topic... How to Get Leads! - Joanna Wyckoff shares her insights on grassroots methods and local events, emphasizing the power of establishing oneself as a local agent before expanding into other areas. She discusses her experiences and the effe…
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The Part B Drug Predicament: Exploring MAPD Challenges and Client Stories
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This episode could have been called, "Kathe Rants About Part B Drugs on MAPD." If you have clients who are on a Medigap plan, but considering moving to Medicare Advantage, be sure and listen to this episode. Kathe and Joanna delve into the complexities of Medicare Advantage plans and the challenges associated with prescription formularies. They she…
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Hosts Kathe Kline and Joanna Wyckoff delve into the complexities and challenges of operating within the Medicare insurance industry while working with Licensed Only Agents (LOAs). The insightful discussion shed light on various aspects, from the nuances of managing LOAs to adapting to personal health challenges and the evolving landscape of Medicar…
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Episode 855: Insurance For Sure Agency Uses 321 Biz Development to Help Employers with Benefit Programs
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We understand the complexities and new challenges of running a small business in America. Support the show Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.com저자 Rick Nappier
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Episode 854B: Bad Economy like CA or Great Economy like FL-Effort Still Works
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This episode will give small business owners hope regardless where your business is located. Support the show Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.com저자 Rick Nappier
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Episode 853: An Example of a Poor Sales Experience With Social Media Business Owner
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Here's an example of a poor sales experience. The sales experience starts at the beginning, not in the middle, nor at the end. Support the show Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.com저자 Rick Nappier
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852: Rental Payment Vs Income Trend Exposes Reason Why Small Businesses Have Difficulty
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Economics does not lie. Support the Show. Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.com저자 Rick Nappier
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Episode 851: There Is a Positive Correlation Between a Poor Economy and Dental Practice Fraud
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Dental practice fraud does not need to happen. Support the show Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.com저자 Rick Nappier
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Episode 850: Three-Hours Free with Six Hour Paid Training For Business Owners Who Never Took Business Development Courses
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We got all the bases covered. Support the show Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.com저자 Rick Nappier
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Episode 849: Skill Building Must Come First Before Motivational Training Will Help
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Motivational training without skill building coming first only provides temporary results which quickly fade away a few days after the motivational event. Support the Show. Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.com저자 Rick Nappier
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Episode 848: Stories Sell-The 321 Biz Dev Story With an Insurance Company Franchisee
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You can tell your business story on our podcast and get heard on up to 22 podcast platforms. Support the Show. Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.com저자 Rick Nappier
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Have you ever considered setting up an LLC for your insurance agency? In our latest podcast episode, we delved into the crucial steps of establishing an LLC, shared personal experiences, and discussed the substantial benefits it offers to insurance professionals. Here's a glimpse of what we covered: 1. Joanna Wyckoff's journey: From obtaining name …
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Episode 847: Tina Callanan, Owner, Total Accounting Services Inc, Bookkeeping and Payroll Services
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Total Accounting Services Inc bookkeeping, payroll, and audit services are available nationwide. Instagram: www.instagram.com/totalaccountservices. Support the show Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.com저자 Rick Nappier
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Episode 846: The Definition of a Sales System...It's Simpler Than People Think
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Most people have already mastered at least one thing. Learning how to better convert prospects to clients is another one of those things. Support the show Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.com저자 Rick Nappier
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Episode 845: Freebie-High Level Overview, 321 Biz Dev Sales System
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Our sales system helps business owners convert more prospects into clients. Support the show Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.com저자 Rick Nappier
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Episode 1: Understanding Arizona Cyber Liability Insurance Policies
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In today’s business environment, if your company does any transactions via the internet, especially if you are processing credit or debit cards, and if your company keeps any client information such as medical records, social security numbers, or any other vital information, having Cyber Liability Insurance coverage is a must. Today, your company h…
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In today’s business environment, if your company does any transactions via the internet, especially if you are processing credit or debit cards, and if your company keeps any client information such as medical records, social security numbers, or any other vital information, having Cyber Liability Insurance coverage is a must. Today, your company h…
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Episode 844: Business Owner Fear of Success Can Be Defeated
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This episode is about remembering that you have succeeded in the past in many areas of your live. Just continue the process. Support the show Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.com저자 Rick Nappier
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Are you looking to enhance your productivity, take your business to the next level, and free up time for what truly matters? In the latest episode of "Insurance Business Babes," hosts Kathe Kline and Joanna Wyckoff delve into the game-changing benefits of hiring an executive assistant to revolutionize your workflow and grow your business. Here are …
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Episode 843: Daniela, a 321 Biz Dev AI Generated Promotions Specialist, Discusses How CPAs Can Help Business Owners
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Daniela knows all. Support the show Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.com저자 Rick Nappier
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Episode 842: Desmond, our 321 Biz Dev AI Generated Promotions Specialist, Discusses the Difference Between Advertising and Marketing
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Desmond knows all. Support the show Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.com저자 Rick Nappier
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Episode 840: Let 321 Biz Dev Market Your Product or Service Using our AI Platform
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Charlotte knows all. Support the show Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.com저자 Rick Nappier
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Episode 841: Jacob, our AI Generated Promotions Specialist, Discusses How Attorneys Can Find More Legal Prospects
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Jacob knows all. Support the show Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.com저자 Rick Nappier
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Episode 839B: Why Closing Is Based on Mutual Agreement Whether You Close Or Not
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Give your prospects a great sales experience and you will always win, whether you close or not. Support the show Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.com저자 Rick Nappier
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Episode 838: The ROI Discussion is Avoided by Most Marketing Companies
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321 Biz Development thrives on delivering ROI. Support the show Thanks for listening to the number one business development consultant for white-collar company owners. www.321bizdev.com저자 Rick Nappier
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