{"id":4281,"date":"2026-02-11T05:58:11","date_gmt":"2026-02-11T05:58:11","guid":{"rendered":"https:\/\/dev.opendesignsin.com\/insillion\/?p=4281"},"modified":"2026-03-23T07:36:08","modified_gmt":"2026-03-23T07:36:08","slug":"insillion-rating-engine-approaches-for-mgas","status":"publish","type":"post","link":"https:\/\/dev.opendesignsin.com\/insillion\/blog\/insillion-rating-engine-approaches-for-mgas","title":{"rendered":"Insurance Rating Software for MGAs: Modernizing Pricing with the Insillion Rating Engine Approaches"},"content":{"rendered":"

The Core Rate Management Challenges MGAs Face<\/span><\/b>\u00a0<\/span><\/h2>\n

MGAs often face significant challenges when managing rates. These include frequent pricing adjustments, continuous updates across multiple coverages, and changes introduced by\u00a0capacity providers.\u00a0Managing current\u00a0rates across all products, regions, and distribution channels requires constant monitoring and coordination between business teams, underwriting teams, and IT analysts.<\/span>\u00a0<\/span><\/p>\n

    \n
  1. \u00a0<\/span>Maintaining Quote Version Clarity and Control:\u00a0<\/span><\/b>Requests for\u00a0quotes\u00a0with small alterations present another set of challenges. This leads to confusion about\u00a0which version of\u00a0the quote\u00a0is current or correct. Processing multiple similar\u00a0submissions takes time. Errors can occur if an outdated or incorrect quote is used.\u00a0Identifying\u00a0genuine interest in a policy becomes harder due to these repeated submissions.<\/span>\u00a0<\/span><\/li>\n
  2. Adapting Quickly to Market and Regulatory Change:<\/span><\/b>\u00a0Insurance rates constantly evolve due to\u00a0loss\u00a0trends, market competition, regulatory changes, and shifting risk conditions. While some products change annually, competitive commercial lines may require monthly or more frequent updates. Each change must be carefully\u00a0validated, tested, and deployed across systems to avoid mispricing and operational risk.<\/span>\u00a0<\/span><\/li>\n
  3. Handling High-Volume Rate Data at Scale:\u00a0<\/span><\/b>Modern insurance products can involve massive rate tables. A single personal auto insurance product might have millions of rate cells.\u00a0<\/span>MGAs'<\/span>\u00a0rate management solution must not only store this data efficiently but also retrieve and apply it in real-time during quote and bind\u00a0<\/span>operations,<\/span>\u00a0often requiring sub-second response times to support acceptable user experiences.<\/span>\u00a0<\/span><\/li>\n
  4. Enabling Seamless Ecosystem Integration:\u00a0<\/span><\/b>Rates must integrate seamlessly with PAS platforms,\u00a0<\/span>broker portals<\/a>,\u00a0underwriting workbenches<\/a><\/strong>,<\/strong> and external data providers.\u00a0Disconnected rating logic increases operational overhead and creates consistency risks.<\/span><\/li>\n<\/ol>\n

    In today's fast-paced digital landscape, the insurance rating engine has evolved from a simple back-office calculator into a strategic asset that directly impacts an insurer's competitiveness and growth.<\/span><\/span>\u00a0<\/span><\/p>\n

    This blog examines where\u00a0<\/span>Excel-based\u00a0Rating<\/a><\/strong> is\u00a0used in practice, where they deliver the most value\u00a0for MGAs, and where its limitations begin to surface. We then compare this with\u00a0Insillion's\u00a0data-driven,\u00a0<\/span>low-code rate management<\/strong><\/span><\/a>\u00a0approaches to help MGAs\u00a0determine\u00a0which model best aligns with their business needs.<\/span>\u00a0<\/span><\/p>\n

    Two Approaches to Insurance\u00a0Rating\u00a0Engine<\/span><\/b>\u00a0<\/span><\/h2>\n

    To address these rate management challenges, MGAs have two primary\u00a0<\/span>options,<\/span>\u00a0<\/span>each with distinct strengths depending on operational needs.<\/span> Each approach reflects a different stage of product maturity, rate of complexity, and change frequency.\u00a0 <\/span><\/span>\u00a0<\/span><\/p>\n

      \n
    1. Excel-Based Rating\u00a0<\/span>\u00a0<\/span><\/li>\n
    2. Master Table-Driven Rating<\/span>\u00a0<\/span><\/li>\n
    3. Hybrid Approach<\/span>\u00a0<\/span><\/li>\n<\/ol>\n

      \"Insillion<\/p>\n

      Insurance Excel-Raters<\/span><\/b>\u00a0<\/span><\/h2>\n

      In this approach,\u00a0the MGA's\u00a0Excel-based\u00a0rater\u00a0<\/span>becomes\u00a0<\/span>the rating engine itself.<\/span>\u00a0<\/span><\/p>\n

      How It Works<\/span><\/b>\u00a0<\/span><\/p>\n

      MGAs build their entire rating logic directly in Excel rate\u00a0<\/span>tables,\u00a0<\/span>premium calculations, territory mappings, class codes, and dropdown lists, all live in one self-contained file. You use familiar formulas (VLOOKUP,\u00a0<\/span>INDEX-MATCH, and<\/span>\u00a0IF statements) with named ranges to keep everything\u00a0<\/span>structured, readable,<\/span>\u00a0and maintainable.<\/span>\u00a0<\/span><\/p>\n

      The\u00a0Rater\u00a0<\/span>Excel<\/span>\u00a0is then thoroughly tested offline to ensure\u00a0calculation\u00a0accuracy, lookup correctness, and handling of complex scenarios such as conditional rates, tiered pricing, and rider calculations.\u00a0<\/span>\u00a0<\/span><\/p>\n

      Once\u00a0validated, the Excel file is uploaded into\u00a0Insillion, where the platform converts the embedded\u00a0<\/strong><\/span>Excel logic into executable services<\/a><\/strong> (<\/span>such as APIs<\/span>\u00a0or JavaScript-based execution layers) and runs them during quote processing, no manual\u00a0calculations are\u00a0needed.<\/span>\u00a0<\/span><\/p>\n

      Version Control\u00a0and deployment:\u00a0<\/span><\/b>Each uploaded version is tracked and can be locked to specific policies or quotes to\u00a0maintain\u00a0historical rating\u00a0<\/span>accuracy.\u00a0\u00a0<\/span>Excel ranges are linked to\u00a0Insillion\u00a0forms to drive dropdowns, validations, referral rules, and rating inputs captured during quoting.\u00a0<\/span>\u00a0<\/span><\/p>\n

      When rate updates are\u00a0<\/span>required,<\/span>\u00a0<\/span>business or product teams can<\/span>\u00a0modify\u00a0the Excel file and re-upload\u00a0<\/span>it,<\/span>\u00a0allowing\u00a0rapid deployment of new rates without\u00a0making changes in the Policy Admin\u00a0Systems or\u00a0requiring development\u00a0<\/span>translation,<\/span>\u00a0although this process can become repetitive if rate changes are very\u00a0<\/span>frequent.\u00a0\u00a0<\/span>\u00a0<\/span><\/p>\n

      Consideration<\/span><\/b>\u00a0<\/span><\/p>\n

        \n
      1. Limited Agility:\u00a0<\/span><\/b>If\u00a0MGAs\u00a0operate\u00a0in\u00a0<\/strong><\/span>surplus lines<\/a><\/strong>\u00a0or highly competitive markets where rates change\u00a0frequently,\u00a0Excel-based\u00a0rating\u00a0can become operationally restrictive. Each change requires file updates, uploads, and regeneration of rating logic.<\/span>\u00a0<\/span><\/li>\n
      2. Data Security Risks:\u00a0<\/span><\/b>When Excel rate files are shared outside the organization. Control over the data is lost. External parties\u00a0can make\u00a0changes,\u00a0and this\u00a0opens\u00a0the possibility of unintended modifications.<\/span>\u00a0<\/span><\/li>\n
      3. Limited Governance:\u00a0<\/span><\/b>Traditional Excel-only rating environments often lack formal maker-checker workflows and centralized audit trails. This increases the chance of establishing<\/span>\u00a0who made which changes and when, increasing the risk of pricing errors.<\/span>\u00a0<\/span><\/li>\n
      4. Performance Issues at Scale:\u00a0<\/span><\/b>As rating factors multiply and calculations grow complex, Excel files often experience a noticeable decrease in performance. Files can become slow to open, process, and\u00a0<\/span>save,<\/span>\u00a0leading\u00a0to longer\u00a0times\u00a0generating\u00a0<\/span>quotes and<\/span>\u00a0rate adjustments.<\/span>\u00a0<\/span><\/li>\n
      5. Scalability\u00a0Constraints:\u00a0<\/span><\/b>Excel is best suited for smaller to medium datasets (typically ~1,000\u20132,000 rows and ~10\u201320 columns).\u00a0<\/span>\u00a0But as the Excel files grow\u00a0very large\u00a0<\/span>with extensive data and\u00a0formulas, they\u00a0can become unstable, prone to crashes, or\u00a0subject to\u00a0file corruption.<\/span>\u00a0<\/span><\/li>\n
      6. Data Fragmentation:\u00a0<\/span><\/b>Files that reach several gigabytes can become unstable. They might crash more often or become corrupted. To manage file size, rating systems are sometimes divided into multiple Excel files. This creates data fragmentation, making it difficult to ensure consistency<\/span>\u00a0<\/span><\/li>\n<\/ol>\n

        Insillion\u00a0Master Table (UI + Low-Code Driven Rate Management)<\/span><\/b>\u00a0<\/span><\/h2>\n

        When rate changes happen\u00a0frequently, managing them through a user interface delivers clear advantages over file-based workflows.<\/span>\u00a0<\/span><\/p>\n

        How It Works<\/span><\/b>\u00a0<\/span><\/p>\n

        Insillion's\u00a0master table approach allows business, product, and underwriting teams to manage rates directly within the platform using low-code capabilities, offering efficiency and accuracy.<\/span>\u00a0<\/span><\/p>\n

        MGAs\u00a0can update rates directly in the\u00a0rating system\u00a0without the overhead of file management and\u00a0regeneration.\u00a0\u00a0It provides a more integrated and controlled way to keep rates current,\u00a0leveraging\u00a0low-code configuration instead of repeated uploads or manual reprocessing.<\/span>\u00a0<\/span><\/p>\n

        Hierarchical Data Structure:\u00a0<\/span><\/b>Data is arranged using a key-value structure, often across three hierarchical levels, allowing information to be grouped and managed visually.\u00a0<\/span>\u00a0<\/span><\/p>\n

          \n
        1. Level 1: Broadest category (e.g., Country)<\/span>\u00a0<\/span><\/li>\n
        2. Level 2: Mid-level refinement (e.g., State)<\/span>\u00a0<\/span><\/li>\n
        3. Level 3: Granular detail (e.g., City)<\/span>\u00a0<\/span><\/li>\n<\/ol>\n

          For example, in commercial property products, base rates can be defined at the country level, refined by state-specific risk differences, and adjusted at the city level. This same structure applies to products, coverages, and sub-coverages, creating a clear, visual organization for complex, location-based premium variations. The low-code UI makes it easy to build, manage, and visualize these hierarchies in a clear, intuitive way.<\/span>\u00a0<\/span><\/p>\n

          Time-Based Rate Activation:\u00a0<\/span><\/b>B<\/span>usiness\u00a0and product teams can configure specific rates or pieces of master data to be active only during defined time periods.\u00a0\u00a0Rates are managed using specific \"from\" and \"to\" dates directly within\u00a0Insillion's\u00a0Rating System.\u00a0\u00a0<\/span>\u00a0<\/span><\/p>\n

          For example:<\/span>\u00a0<\/span><\/p>\n

            \n
          1. Rate Set A: Jan 1 \u2013 June 30<\/span>\u00a0<\/span><\/li>\n
          2. Rate Set B: July 1 onwards<\/span>\u00a0<\/span><\/li>\n<\/ol>\n

            The master table's time-based validity feature\u00a0handles\u00a0transitions automatically\u00a0within the user\u00a0interface.\u00a0This avoids the need to\u00a0delete\u00a0old data or upload new\u00a0files.\u00a0\u00a0<\/span>\u00a0<\/span><\/p>\n

            API-Driven\u00a0System Integration:\u00a0<\/span><\/b>The insurance\u00a0rating engine\u00a0generates APIs that allow internal and external systems\u00a0to retrieve current, approved rates in real-time.\u00a0The\u00a0headless insurance rating engine API\u00a0fetches data directly from\u00a0Insillion's\u00a0centralized database rather than relying on spreadsheets, ensuring consistency across all pricing and quoting tools.<\/span>\u00a0<\/span><\/p>\n

            Channel-Based Pricing Configuration:\u00a0<\/span><\/b>B<\/span>usiness<\/span>\u00a0and underwriting\u00a0teams\u00a0have\u00a0the flexibility to\u00a0<\/span>configure\u00a0different prices\u00a0or discounts based on the sales channel.\u00a0<\/span>The system automatically\u00a0applies\u00a0the correct rate when a submission is created, ensuring pricing consistency without manual calculation.<\/span>\u00a0<\/span><\/p>\n

            Key Advantage:<\/span><\/b>\u00a0<\/span><\/p>\n

              \n
            1. Audit Trail:\u00a0<\/span><\/b>An important feature of these systems is the audit trail, where every\u00a0rate\u00a0modification is automatically recorded, creating a complete and traceable history of changes. This provides clear visibility into who\u00a0made adjustments\u00a0and when, making it easy to track modifications and supporting\u00a0accurate\u00a0reporting for capacity providers and Bordereaux reporting requirements.<\/span>\u00a0<\/span><\/li>\n
            2. Rate Modifiers<\/span><\/b>:\u00a0<\/span><\/b>Rules for adjusting rates are configured through low-code capabilities.\u00a0<\/span>Underwriters are\u00a0permitted\u00a0to apply discounts or adjustments within defined\u00a0<\/span>limits.\u00a0\u00a0<\/span>For example, an underwriter might\u00a0apply\u00a0a\u00a05%\u00a0<\/span>discount.\u00a0\u00a0<\/span>This discount is allowed if the premium falls within a specific range, such as $500 to $1000. Underwriters can adjust rates as needed. These adjustments are kept within set boundaries.<\/span>\u00a0<\/span><\/li>\n
            3. Granular Access Control and Data Governance:\u00a0<\/span><\/b>Access control<\/span>\u00a0is another key aspect. Permissions are configured to specify who can view\u00a0<\/span>or\u00a0modify\u00a0rates.\u00a0\u00a0<\/span>Only authorized personnel are able to make\u00a0<\/span>changes.\u00a0\u00a0<\/span>The integrity of the rating data\u00a0<\/span>is\u00a0maintained.\u00a0\u00a0<\/span>For more granular control, especially for different carriers,\u00a0rules can be moved from Excel to database tables, allowing for\u00a0versioning\u00a0and effective dates.<\/span>\u00a0<\/span><\/li>\n
            4. Scalability:<\/span><\/b>\u00a0For master data sets exceeding the \"1000-2000 rows and 10-20 columns\" recommended limit for Excel, MySQL tables\u00a0provide\u00a0a more performant and scalable storage solution. Data retrieval is typically much faster, supporting more complex products and higher transaction rates.\u00a0\u00a0<\/span>\u00a0<\/span><\/li>\n<\/ol>\n

              A Combined (Hybrid) Approach<\/span><\/b>\u00a0<\/span><\/h2>\n

              Some MGAs\u00a0benefit\u00a0from combining both methods. A hybrid approach allows certain rates that change infrequently to remain in Excel files, while rates requiring frequent updates are managed within the master table system.<\/span>\u00a0<\/span><\/p>\n

              This flexibility is particularly valuable for MGAs writing both admitted and non-admitted lines or managing diverse product portfolios. Each line of business can use the rate management approach that matches its actual update frequency,\u00a0optimizing\u00a0workflows across the entire organization.<\/span>\u00a0<\/span><\/p>\n

              Excel vs Master-Driven Rating\u00a0<\/span><\/span>\u00a0<\/span><\/h2>\n
              \n\n\n\n\n\n\n\n\n\n\n\n
              Decision Factor<\/span><\/span>\u00a0<\/span><\/th>\nExcel-Driven Rating (Product Excel)<\/span><\/span>\u00a0<\/span><\/th>\nMaster-Driven Rating (UI + Low-Code + Database)<\/span><\/span>\u00a0<\/span><\/th>\n<\/tr>\n<\/thead>\n
              Primary Ownership<\/span><\/span>\u00a0<\/span><\/td>\nProduct teams, underwriting teams (Excel-managed)<\/span><\/span>\u00a0<\/span><\/td>\nBusiness teams, product teams, and underwriting teams via UI<\/span><\/span>\u00a0<\/span><\/td>\n<\/tr>\n
              Best For Rate Change Frequency<\/span><\/span>\u00a0<\/span><\/td>\nLow (Annual \/ Semi-Annual \/ Filing Driven)<\/span><\/span>\u00a0<\/span><\/td>\nHigh (Monthly \/ Weekly \/ Market-Driven)<\/span><\/span>\u00a0<\/span><\/td>\n<\/tr>\n
              Typical MGA Use Case<\/span><\/span>\u00a0<\/span><\/td>\nAdmitted lines, filed rates, predictable schedules<\/span><\/span>\u00a0<\/span><\/td>\nNon-admitted \/ E&S lines, competitive commercial products<\/span><\/span>\u00a0<\/span><\/td>\n<\/tr>\n
              Dependency on IT Teams<\/span><\/span>\u00a0<\/span><\/td>\nLow to Medium (may need support for complex models)<\/span><\/span>\u00a0<\/span><\/td>\nLow (Low-code UI enables business-side control)<\/span><\/span>\u00a0<\/span><\/td>\n<\/tr>\n
              Scalability (Data Volume)<\/span><\/span>\u00a0<\/span><\/td>\nBest for small- to medium-sized datasets<\/span><\/span>\u00a0<\/span><\/td>\nDesigned for\u00a0<\/span>very large<\/span>\u00a0datasets and complex structures<\/span><\/span>\u00a0<\/span><\/td>\n<\/tr>\n
              Performance at Scale<\/span><\/span>\u00a0<\/span><\/td>\nCan degrade with large files or complex formulas<\/span><\/span>\u00a0<\/span><\/td>\nHigh-performance database-driven retrieval<\/span><\/span>\u00a0<\/span><\/td>\n<\/tr>\n
              Audit Trail & Governance<\/span><\/span>\u00a0<\/span><\/td>\nLimited (depends on file controls)<\/span><\/span>\u00a0<\/span><\/td>\nFull audit trail, version tracking, maker-checker capable<\/span><\/span>\u00a0<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

              Choosing the Right Rating Approach<\/span><\/b>\u00a0<\/span><\/h2>\n

              The choice between these methods depends heavily on\u00a0\"How\u00a0frequently\u00a0are an MGA's rates updated?\u00a0<\/span>\u00a0<\/span><\/p>\n

              MGA Insurance\u00a0Software<\/a><\/strong>,<\/strong>\u00a0like\u00a0Insillion<\/a><\/strong>, supports\u00a0all three approaches because there's no one-size-fits-all answer. The key is choosing based on\u00a0MGAs'\u00a0actual business needs, not because \"that's how we've always done\u00a0it.\"\u00a0\u00a0The decision for an MGA\u00a0regarding\u00a0the rate\u00a0management method rests on the frequency of rate adjustments.\u00a0<\/span>\u00a0<\/span><\/p>\n

                \n
              1. If the rate updates happen once or twice annually:\u00a0<\/span><\/b>Excel-based rating delivers simplicity and familiarity without unnecessary complexity.<\/span>\u00a0<\/span><\/li>\n
              2. If the rate updates occur monthly, quarterly, or whenever market conditions shift:\u00a0<\/span><\/b>Master table-driven rating saves\u00a0significant time\u00a0and accelerates responsiveness to market opportunities.<\/span>\u00a0<\/span><\/li>\n
              3. If update frequency varies significantly across product lines:\u00a0<\/span><\/b>A hybrid approach provides the flexibility to\u00a0optimize\u00a0each line of business individually.<\/span>\u00a0<\/span><\/li>\n<\/ol>\n

                Successful MGAs understand that a rating engine should accelerate business operations, not slow them down. The market rewards MGAs that can respond quickly, price accurately, and\u00a0maintain\u00a0governance.\u00a0MGAs'\u00a0rating strategy should enable all three.<\/span>\u00a0<\/span><\/p>\n

                Frequently Asked Questions<\/span><\/b><\/h2>\n<\/div>

                <\/i><\/i><\/span>What insurance rating platforms integrate well with existing excel spreadsheets for pricing calculations?<\/span><\/a><\/h4><\/div>
                \n

                Among\u00a0many other<\/span><\/span>\u00a0<\/span><\/span>insurance rating platforms,\u00a0<\/span>Insillion<\/span>\u00a0rating engine allows MGAs to upload Excel<\/span>-based Raters\u00a0<\/span>containing<\/span>\u00a0rating logic, which the platform converts into executable services. This low-code insurance rating system preserves familiar Excel workflows while adding version control and API capabilities.\u00a0<\/span><\/span>\u00a0<\/span><\/p>\n<\/div><\/div><\/div>

                <\/i><\/i><\/span>What platforms convert insurance rating excels into APIs?<\/span><\/a><\/h4><\/div>
                \n

                Insillion<\/span>\u00a0converts Excel-based rating models into\u00a0APIs\u00a0that other systems can consume in real time. The rating engine for insurance translates Excel formulas into API endpoints, allowing policy administration systems and broker portals to execute rating calls without file dependencies. This approach\u00a0<\/span>maintains<\/span>\u00a0Excel logic while enabling modern system integration.\u00a0<\/span>This removes the need to rewrite pricing logic and accelerates product launch timelines significantly.<\/span><\/span>\u00a0<\/span><\/p>\n<\/div><\/div><\/div>

                <\/i><\/i><\/span>What insurance rating software has good API integration to connect with systems? <\/span><\/a><\/h4><\/div>
                \n
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                \n
                \n
                \n
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                \n

                API-driven platforms such as\u00a0<\/span>Insillion<\/span>\u00a0help orchestrate multi-carrier and multi-channel distribution by externalizing product and rating logic as reusable services. This enables MGAs to connect carriers, partners, and embedded channels through a unified API layer.<\/span><\/span>\u00a0<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

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                <\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div><\/div>

                <\/i><\/i><\/span>Which insurance rating software platforms that have the best customization features? <\/span><\/a><\/h4><\/div>
                \n

                Modern\u00a0<\/span>MGA<\/span>s\u00a0<\/span>require rating platforms that are highly configurable to support diverse products, pricing models, and underwriting rules. Many systems offer customization, but\u00a0<\/span>Insillion<\/span>\u00a0stands out for its flexible architecture that allows<\/span>\u00a0<\/span>MGAs to configure rating logic, workflows, and product structures without heavy development. Its\u00a0<\/span>low-code insurance rating system<\/span>\u00a0enables teams to quickly adapt pricing strategies as market conditions change. This level of configurability makes it easier to manage complex products using advanced\u00a0<\/span>insurance rating software<\/span>.<\/span><\/span>\u00a0<\/span><\/p>\n<\/div><\/div><\/div>

                <\/i><\/i><\/span>What is the best integrated policy admin and rating software for underwriters?<\/span><\/a><\/h4><\/div>
                \n

                Among many\u00a0<\/span>platforms<\/span>\u00a0available,<\/span>\u00a0<\/span>Insillion<\/span>\u00a0<\/span>is<\/span>\u00a0one<\/span>\u00a0of<\/span>\u00a0the best\u00a0<\/span>integrated policy admin and insurance rating software for underwriters, combining\u00a0<\/span>rating<\/span>, product configuration, and policy administration\u00a0<\/span>in<\/span>\u00a0a single platform. Underwriters can\u00a0<\/span>retain<\/span>\u00a0ownership of their rating logic in Excel while IT teams deploy it instantly via generated APIs,\u00a0<\/span>eliminating<\/span>\u00a0cross-team bottlenecks. As a low-code insurance rating system,\u00a0<\/span>Insillion<\/span>\u00a0enables faster product launches, smarter risk evaluation, and full visibility across the policy lifecycle.<\/span><\/span>\u00a0<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"

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