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   YNAB doesn't need a budget (anymore)
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   A new podcast episode, plus the value of having an opinion as a company
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                     <h1 style="margin:0; line-height:1.2 !important; font-size:32px !important; margin-top:30px; margin-bottom:30px !important; font-family:'Helvetica Neue', Helvetica, Arial, sans-serif !important; color:#131b24 !important; font-style:normal; font-weight:500 !important">
                      Teaching is selling is supporting
                     </h1>
                     <p style="font-family:'Helvetica Neue', Helvetica, Arial, sans-serif !important; color:#405261 !important; font-style:normal; font-weight:normal; font-size:16px !important; line-height:175%; margin-bottom:18px !important">
                      Some products are a manifestation of a company's underlying beliefs, rather than the result of disinterested market research. “Opinionated software” is one form of this type of company. The creators believe that things
                      <strong>
                       should
                      </strong>
                      work in a particular way, and so they design their products accordingly.
                     </p>
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                      <a data-hs-link-id="0" data-hs-link-id-v2="0tpB7UvK" style="text-decoration:none !important; color:#0d6ea1" target="_blank">
                       37Signals popularised this idea in their book
                      </a>
                      , and you could never accuse the leadership there of not having strong opinions, even if they don’t allow
                      <span style="font-style: italic;">
                       everyone
                      </span>
                      on their team to be quite so opinionated. Their latest product,
                      <a data-hs-link-id="0" data-hs-link-id-v2="obU2GLMP" style="text-decoration:none !important; color:#0d6ea1" target="_blank">
                       Fizzy
                      </a>
                      , embodies their perspective on the Kanban methodology.
                     </p>
                     <p style="font-family:'Helvetica Neue', Helvetica, Arial, sans-serif !important; color:#405261 !important; font-style:normal; font-weight:normal; font-size:16px !important; line-height:175%; margin-bottom:18px !important">
                      As a general rule, the larger companies get, the less interesting they become. In trying to appeal to almost everyone they tend towards the boring middle, and fail to really excite anyone. That means there is an opportunity for smaller companies to differentiate themselves by being opinionated. They build from a clear perspective, and find the people who are engaged by it. It also means turning off some people who might otherwise be interested in paying you money, but who disagree with your decisions.
                     </p>
                     <p style="font-family:'Helvetica Neue', Helvetica, Arial, sans-serif !important; color:#405261 !important; font-style:normal; font-weight:normal; font-size:16px !important; line-height:175%; margin-bottom:18px !important">
                      In
                      <a data-hs-link-id="0" data-hs-link-id-v2="j+jTe2Sz" rel="noopener" style="color:#304ddb; text-decoration:none !important" target="_blank">
                       the latest episode of The Supportive Podcast
                      </a>
                      , out now on your feed, I talk with YNAB CEO Todd Curtis.
                      <a data-hs-link-id="0" data-hs-link-id-v2="1N2lytDV" rel="noopener" style="color:#304ddb; text-decoration:none !important" target="_blank">
                       YNAB
                      </a>
                      (formerly You Need A Budget) is a perfect example of beliefs becoming products. Founder Jesse Meecham and his wife Julie budgeted as college students according to (what would become)
                      <a data-hs-link-id="0" data-hs-link-id-v2="h0+A2wsE" rel="noopener" style="text-decoration:none !important; color:#0d6ea1" target="_blank">
                       their 4 rules
                      </a>
                      , and quickly found other people were interested in applying those rules themselves. Jesse initially sold it as a spreadsheet... a very opinionated one.
                     </p>
                     <p style="font-family:'Helvetica Neue', Helvetica, Arial, sans-serif !important; color:#405261 !important; font-style:normal; font-weight:normal; font-size:16px !important; line-height:175%; margin-bottom:18px !important">
                      The same system, tweaked over time, remains at the core of YNAB today. The software will only truly work for its customers if they accept the financial principles it was built to support. That means YNAB's job is not just selling, but teaching. In fact, as Todd mentions in our chat, they often think of themselves as “an education company that makes software to keep the lights on”.
                     </p>
                     <p style="font-family:'Helvetica Neue', Helvetica, Arial, sans-serif !important; color:#405261 !important; font-style:normal; font-weight:normal; font-size:16px !important; line-height:175%; margin-bottom:18px !important">
                      When you have a way of thinking about a problem that connects with people, then teaching, selling, marketing, and supporting all start to blur together. At YNAB the support team are not just answering the technical questions, they’re helping people figure out how to get control of their money.
                     </p>
                     <blockquote style="line-height:175%">
                      <p style="font-family:'Helvetica Neue', Helvetica, Arial, sans-serif !important; color:#405261 !important; font-style:normal; font-weight:normal; font-size:16px !important; line-height:175%; margin-bottom:18px !important">
                       <em>
                        "...our support specialists love nothing more than a question about those mindset things, those spending decision sort of questions"
                       </em>
                      </p>
                     </blockquote>
                     <p style="font-family:'Helvetica Neue', Helvetica, Arial, sans-serif !important; color:#405261 !important; font-style:normal; font-weight:normal; font-size:16px !important; line-height:175%; margin-bottom:18px !important">
                      As AI-driven self-service takes on a larger chunk of the basic support work, space will be created for smart, well-trained, and empowered people to help their customers in deeper ways, moving them towards their real goals.
                     </p>
                     <p style="font-family:'Helvetica Neue', Helvetica, Arial, sans-serif !important; color:#405261 !important; font-style:normal; font-weight:normal; font-size:16px !important; line-height:175%; margin-bottom:18px !important">
                      Are you teaching your customers, as well as supporting them? What are people better at because they get help from you?
                     </p>
                     <p style="font-family:'Helvetica Neue', Helvetica, Arial, sans-serif !important; color:#405261 !important; font-style:normal; font-weight:normal; font-size:16px !important; line-height:175%; margin-bottom:18px !important">
                      <em>
                       P.S. You can find YNAB's original Support Ethics document linked
                       <a data-hs-link-id="1" data-hs-link-id-v2="q+3rPO9/" rel="noopener" style="color:#304ddb; text-decoration:none !important" target="_blank">
                        in the podcast episode show notes
                       </a>
                       . It's worth reading, even though it's since been updated and enhanced.
                      </em>
                     </p>
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                        Mat Patterson
                        <br/>
                        <span style="color: #405261; font-size: 15px; font-style: italic; font-weight: 400;">
                         Help Scout
                        </span>
                       </td>
                      </tr>
                     </tbody>
                    </table>
                   </td>
                  </tr>
                 </tbody>
                </table>
               </td>
              </tr>
             </tbody>
            </table>
            <!--[if true]>
</td></tr></table>
<![endif]-->
            <style type="text/css">
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            <!--Help Scout - 30px Spacer Module -->
            <!--[if true]>
<table role="presentation" border="0" cellpadding="0" cellspacing="0" style="width:620px; border-collapse: collapse;" align="center"><tr><td>
<![endif]-->
            <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; max-width: 600px; border-collapse: collapse;
  
  
  
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             <tbody>
              <tr>
               <td style="font-family:Arial, sans-serif; font-size:18px; color:#556575; word-break:break-word">
                <div class="spacer" style="line-height:30px; height:30px; mso-line-height-rule: exactly; width: 100%;">
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            <!--[if true]>
</td></tr></table>
<![endif]-->
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            <!--Help Scout - Banner Image -->
            <!-- Notes: -->
            <!-- 
- Banner image is 600 x 338 in dimensions
- Decided against a border radius in image due to conflicts in dark mode
-->
            <!--[if true]>
<table role="presentation" border="0" cellpadding="0" cellspacing="0" style="width:620px; border-collapse: collapse;" align="center"><tr><td>
<![endif]-->
            <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border-collapse: collapse;">
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              <tr>
               <td style="font-family:Arial, sans-serif; font-size:18px; color:#556575; word-break:break-word; padding:0 10px 30px 10px">
                <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; max-width: 600px; border-collapse: collapse; border-radius: 6px; overflow: hidden;
        
        
        
      ">
                 <tbody>
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                   <td align="center" style="font-family:Arial, sans-serif; font-size:18px; color:#556575; word-break:break-word; text-align:center; width:100%" width="100%">
                    <!-- Featured Image -->
                    <!-- Conditionally insert link around image -->
                    <a data-hs-link-id="2" data-hs-link-id-v2="SG4JMTnK" style="color:#304ddb; text-decoration:none !important" target="_blank">
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                     <!-- Conditionally close link tag -->
                    </a>
                   </td>
                  </tr>
                 </tbody>
                </table>
               </td>
              </tr>
             </tbody>
            </table>
            <!--[if true]>
</td></tr></table>
<![endif]-->
           </div>
           <div class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" data-hs-cos-general-type="widget" data-hs-cos-type="module" id="hs_cos_wrapper_module_17651484209612" style="color: inherit; font-size: inherit; line-height: inherit;">
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Standard ITW text styles:
font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif;
font-style: normal; 
font-weight: normal;
color: #405261;
line-height: 1.6;
font-size: 16px;
Standard HS Link styles
color: #304DDB !important; 
text-decoration: none !important; 
font-weight: 400 !important;
:hover, :active, :focus {color: #263AAD !important;}
- Font weight is forced to be 500 for italicized text due to a conflict with Hubspot's GUI
- Spacing between headers is 30px top and bottom.
- We tried elminating some of the spacing around the headers for the :first-of-type but ran into
a visual regression in dark mode.
-->
            <!--[if true]>
<table role="presentation" border="0" cellpadding="0" cellspacing="0" style="width:620px; border-collapse: collapse;" align="center"><tr><td>
<![endif]-->
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             <tbody>
              <tr>
               <td style="font-family:Arial, sans-serif; font-size:18px; color:#556575; word-break:break-word; padding:0 10px">
                <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; max-width: 600px; border-collapse: collapse;
        
        
        
        ">
                 <tbody>
                  <tr>
                   <td class="hs-richtext-wrapper" style="word-break:break-word; width:100%; padding:0px 35px 12px 35px; font-family:'Helvetica Neue', Helvetica, Arial, sans-serif; line-height:1.6 !important; color:#405261 !important; font-style:normal; font-weight:normal; font-size:16px !important" width="100%">
                    <div class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_inline_rich_text" data-hs-cos-field="richtext_field" data-hs-cos-general-type="widget" data-hs-cos-type="inline_rich_text" id="hs_cos_wrapper_module_17651484209612_" style="color: inherit; font-size: inherit; line-height: inherit;">
                     <p style="font-family:'Helvetica Neue', Helvetica, Arial, sans-serif !important; color:#405261 !important; font-style:normal; font-weight:normal; font-size:16px !important; line-height:175%; margin-bottom:18px !important">
                      <a data-hs-link-id="3" data-hs-link-id-v2="NzXEQUI4" rel="noopener" style="color:#304ddb; text-decoration:none !important" target="_blank">
                       Hear the YNAB story from Todd Curtis
                      </a>
                      , the school principal who joined YNAB as support leader and is now CEO and Head of Product.
                      <br/>
                      <br/>
                      Selected highlights from this episode:
                     </p>
                     <ul style="line-height:175%">
                      <li style="margin-bottom:20px !important; padding-left:10px">
                       The history of YNAB's Monday morning support tradition
                      </li>
                      <li style="margin-bottom:20px !important; padding-left:10px">
                       How Support is YNAB's greatest hiring pipeline
                      </li>
                      <li style="margin-bottom:20px !important; padding-left:10px">
                       Todd explains the value of support-informed intuition.
                      </li>
                     </ul>
                    </div>
                   </td>
                  </tr>
                 </tbody>
                </table>
               </td>
              </tr>
             </tbody>
            </table>
            <!--[if true]>
</td></tr></table>
<![endif]-->
            <style type="text/css">
             .hs-richtext-wrapper p {margin-bottom: 18px !important; }
  .hs-richtext-wrapper a { color: #304DDB; text-decoration: none !important;}
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  .hs-richtext-wrapper h1 {line-height: 1.2 !important;  font-size: 32px !important; margin-top: 30px; margin-bottom: 30px !important; font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif !important;  color: #131B24 !important; font-style: normal; font-weight: 500 !important; }
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  .hs-richtext-wrapper li {margin-bottom: 20px !important; padding-left: 10px;}
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  .hs-richtext-wrapper h1 a { color: #131B24 !important; }
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  .hs-richtext-wrapper h2 a { color: #131B24 !important; }
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  @media all and (min-width: 480px) {
    .hs-richtext-wrapper {
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            <!--Help Scout - 30px Spacer Module -->
            <!--[if true]>
<table role="presentation" border="0" cellpadding="0" cellspacing="0" style="width:620px; border-collapse: collapse;" align="center"><tr><td>
<![endif]-->
            <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; max-width: 600px; border-collapse: collapse;
  
  
  
  ">
             <tbody>
              <tr>
               <td style="font-family:Arial, sans-serif; font-size:18px; color:#556575; word-break:break-word">
                <div class="spacer" style="line-height:30px; height:30px; mso-line-height-rule: exactly; width: 100%;">
                </div>
               </td>
              </tr>
             </tbody>
            </table>
            <!--[if true]>
</td></tr></table>
<![endif]-->
           </div>
           <div class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" data-hs-cos-general-type="widget" data-hs-cos-type="module" id="hs_cos_wrapper_module_17421670910719" style="color: inherit; font-size: inherit; line-height: inherit;">
            <!--Help Scout - Secondary Module -->
            <!-- Notes: -->
            <!-- 
- This is a combination of the text module and button module
- The illustrations had whitespace around them so custom padding is used to make it appear aligned
- The button only supports left alignment
-->
            <!--[if true]>
<table role="presentation" border="0" cellpadding="0" cellspacing="0" style="width:620px; border-collapse: collapse;" align="center"><tr><td>
<![endif]-->
            <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="margin-bottom: 30px; width: 100%; border-collapse: collapse;">
             <tbody>
              <tr>
               <td style="font-family:Arial, sans-serif; font-size:18px; color:#556575; word-break:break-word; padding:0 10px">
                <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; max-width: 600px; padding: 0px 10px; border-radius: 4px; border-collapse: collapse;
        
          background-color: #faf8f7;          
        
        
        
        ">
                 <tbody>
                  <tr>
                   <td style="font-family:Arial, sans-serif; font-size:18px; color:#556575; word-break:break-word">
                    <!-- Text Module -->
                    <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; max-width: 600px; border-collapse: collapse;">
                     <tbody>
                      <tr>
                       <td class="hs-richtext-wrapper" style="word-break:break-word; width:100%; padding:0px 35px 12px 35px; font-family:'Helvetica Neue', Helvetica, Arial, sans-serif; line-height:1.6 !important; color:#405261 !important; font-style:normal; font-weight:normal; font-size:16px !important" width="100%">
                        <div class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_inline_rich_text" data-hs-cos-field="richtext_field" data-hs-cos-general-type="widget" data-hs-cos-type="inline_rich_text" id="hs_cos_wrapper_module_17421670910719_" style="color: inherit; font-size: inherit; line-height: inherit;">
                         <h2 style="margin:0; line-height:1.3 !important; font-size:24px !important; margin-top:30px; font-family:'Helvetica Neue', Helvetica, Arial, sans-serif !important; color:#131b24 !important; font-style:normal; font-weight:500 !important; margin-bottom:12px !important">
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                       </td>
                      </tr>
                     </tbody>
                    </table>
                   </td>
                  </tr>
                  <tr>
                   <td style="font-family:Arial, sans-serif; font-size:18px; color:#556575; word-break:break-word">
                    <!-- Buttons Module -->
                    <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="max-width: 600px; width: 100%; border-collapse: collapse;">
                     <tbody>
                      <tr>
                       <td class="hs-buttons-wrapper" style="font-family:Arial, sans-serif; font-size:18px; color:#556575; word-break:break-word; padding:0px 35px 12px 35px">
                        <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; border-collapse: collapse;">
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                          <tr>
                           <td style="font-family:Arial, sans-serif; font-size:18px; color:#556575; word-break:break-word">
                            <!-- CTA Button 1 -->
                            <!--Uses a "bulletproof" button design from https://buttons.cm/ as a fallback for Outlook -->
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                            <center>
                          <![endif]-->
                            <a bgcolor="#304DDB" class="hs-primary-button" data-hs-link-id="0" data-hs-link-id-v2="+QNB6TFX" style="display:inline-block; padding:17px 30px; margin-bottom:18px; background-color:#304DDB; border-radius:4px; color:#ffffff !important; transition:all 0.2s ease-in; font-family:'Helvetica Neue', Helvetica, Arial, sans-serif; font-style:normal; font-weight:500; font-size:16px; line-height:1; text-decoration:none !important" target="_blank">
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                               View this newsletter as a web page
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                            <!--[if mso]>
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                </table>
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            </table>
            <!--[if true]>
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<![endif]-->
            <style type="text/css">
             .hs-richtext-wrapper p {margin-bottom: 18px !important; }
    .hs-richtext-wrapper a { color: #304DDB; text-decoration: none !important; }
    .hs-richtext-wrapper a:hover, .hs-richtext-wrapper a:focus, .hs-richtext-wrapper a:active {color: #263AAD !important;}
    .hs-richtext-wrapper h1 {line-height: 1.2 !important;  font-size: 32px !important; margin-top: 30px; margin-bottom: 30px !important; font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif !important;  color: #131B24 !important; font-style: normal; font-weight: 500 !important; }
    .hs-richtext-wrapper h2 {line-height: 1.3 !important;  font-size: 24px !important; margin-top: 30px; margin-bottom: 30px !important; font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif !important;  color: #131B24 !important; font-style: normal; font-weight: 500 !important; }
    .hs-richtext-wrapper li {margin-bottom: 20px !important; padding-left: 10px;}
    .hs-richtext-wrapper h1 em { font-weight: 500 !important; }
    .hs-primary-button:hover, .hs-primary-button:active, .hs-primary-button:focus {
        background-color: #263AAD !important;
      }
    .hs-secondary-button:hover, .hs-secondary-button:active, .hs-secondary-button:focus {
        color: #263AAD !important;
      }
  
  @media all and (max-width: 479px) {
    .hs-richtext-wrapper { padding: 0px 25px 12px 25px !important; }
    .hs-buttons-wrapper {padding: 0px 25px 12px 25px !important;}
    .hs-illustration-wrapper {padding: 15px 25px 0px 13px !important;}
  }
  @media all and (min-width: 480px) {
    .hs-richtext-wrapper { padding: 0px 50px 12px 50px !important; }
    .hs-buttons-wrapper {padding: 0px 50px 12px 50px !important;}
    .hs-illustration-wrapper {padding: 15px 50px 0px 38px !important;}
  }
  
  @media (prefers-color-scheme: dark ) {
      .hs-primary-button  {
        color: #ffffff !important;
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    }
  [data-ogsc] .hs-primary-button {color: #ffffff !important;}
            </style>
           </div>
           <div class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" data-hs-cos-general-type="widget" data-hs-cos-type="module" id="hs_cos_wrapper_module-0-0-6" style="color: inherit; font-size: inherit; line-height: inherit;">
            <!--Help Scout - Footer Module -->
            <!-- Notes: -->
            <!-- 
Multiple tables are used to control the responsive layout. With custom media queries for
some limited changes in dark mode where it is supported.
See https://css-tricks.com/ideas-behind-responsive-emails/ 
-->
            <!--1st table is a container table giving the full width background color primarily -->
            <table align="center" border="0" cellpadding="0" cellspacing="0" class="hs-footer-container" role="presentation" style="background-color: #FFFFFF; width: 100%; border-collapse: collapse;" width="100%">
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               <td style="font-family:Arial, sans-serif; font-size:18px; color:#556575; word-break:break-word; padding:0px 15px 10px 15px; width:100%" width="100%">
                <!-- Container table which primarily gives us the 500px container width -->
                <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="max-width: 500px; width: 100%; border-collapse: collapse;" width="100%">
                 <tbody>
                  <tr>
                   <td class="hs-footer-logo-wrapper" style="font-family:Arial, sans-serif; font-size:18px; color:#556575; word-break:break-word; width:100%; padding-bottom:20px" width="100%">
                    <!-- In The Works Logo, 162px x 43px not in its own table as not responsive -->
                    <a data-hs-link-id="0" data-hs-link-id-v2="/ZepYRJ0" style="color:#304ddb; text-decoration:none !important" target="_blank">
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                    <!-- Two tables here to manage the address area and social media graphics -->
                    <!-- Table one has the address, unsubscribe and view as webpage links -->
                    <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 76.2%; min-width: 300px; border-collapse: collapse;">
                     <tbody>
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                       <td class="hs-footer-address" style="word-break:break-word; padding-bottom:30px; color:#314351; font-size:13px !important; font-family:'Helvetica Neue', Helvetica, Arial, sans-serif; line-height:1.6">
                        68 Harrison Ave Ste 605
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                    <!-- Table two has the Social Media Logos -->
                    <table align="left" border="0" cellpadding="0" cellspacing="0" role="presentation" style="min-width: 131px; width: 23.8%; border-collapse: collapse;">
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                        <!-- Twitter logo-->
                        <a data-hs-link-id="0" data-hs-link-id-v2="x+Gd4KBL" style="color:#304ddb; text-decoration:none !important" target="_blank">
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                       <td style="font-family:Arial, sans-serif; font-size:18px; color:#556575; word-break:break-word; padding-bottom:30px; padding-right:15px">
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                        <a data-hs-link-id="0" data-hs-link-id-v2="d/TgnBbs" style="color:#304ddb; text-decoration:none !important" target="_blank">
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