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AIin2026:TheAI-nativeenterpriseDesigningyourenterpriseto

embraceAIatscaleTheAI-nativeenterpriseForbusiness,Artificial

Intelligence(AI)

isenteringits

next

phase.Theearlyyearsofexperimentation,wherepilotprojects

proliferated

andalgorithms

dazzled,havegivenwaytoanewreality:AI

now

underpinsstrategy,

operations,

governance,

and

growth

attheheart

of

business

models.Whatdoes

itmeantobe

anAI-native

enterprise?ItmeansthatAIrunsthroughyourarchitecture,operations,

and

decision-making.

It

isembedded

in

processes,

not

boltedontothem.

Itiscoreinfrastructure,

a

key

leverofeconomicopportunity,andthefabricofthefuture.

Itremainsdecidedlyhuman-centred,

and

relies

on

newwaysoflearning,thinkingandworking.

In2026,thecentralquestionfor

leaders

is

not

if

to

useAI,

buthowtoorganiseforit–howtocapture

itsvalue

at

scalewhile

sustainingtrust,

pace,

andhumanmeaning

intheenterprise.Basedonanextensive

reviewofglobaltrendsandforces,this

report

distils26

ofthe

mostconsequentialideasshapingthisnewlandscape.

Each

represents

a

discrete

but

interlinkeddimensionofthemodernAI-definedenterprise.Together,theysketchwhatitwillmeanto

leadanAI-native

enterprise.2Artificial

Intelligencein

2026:

TheAI-Native

EnterpriseThe

next

phaseAUnderstandingtoday’sAIopportunityandthenew

rules

oftheAIeconomy04Strategic01ValuecreationAIthatconnectstoeconomic

value07advantage02

Industryedge

Sector-specificacceleration09FindingwhereAIreshapesstrategy,03Ecosystems&innovationLeveraging

open

models,

partners11markets,andvalue04

Enterprise

blueprintsIntegratedenterprise

plans

for

scale13creation.05Valueinstrumentation

Measuringwhatmatters15Work

reimagined06Leader

fluency

Leaders

taking

the

reins18Human-centredAItransformingwork,07People-centricworkflowsRethinking

human-AI

partnership20workersandthe0822workforce.09CultureandcapabilityTurningAI

intoabehavioural

norm2410FoundationmodelsGeneral

purpose

brains27Buildingintelligence11AgenticaisystemsThe

autonomous

actor29systems12Context

Creating

knowledge

and

insight

systems31Thetechnical13SyntheticenvironmentsDigitaltwins,simulations,labs33architecturethatmakesAI

real.14AIops

Deploymentpipeline,

monitoring,tooling3515ComputestrategyAscarce,strategic,budgetedresource37Trust

bydesign16ResponsibleAITheoperatingsystemfortrust40Truststrengthens17Explainability

A

design

assumption4218Bias,fairnessand

harm

Measuringand

managingforequity44costly

risks,and

ensureslegal

and19Data

stewardship

Human

dignity

at

the

core46ethicalfactorsare

at20AItrustandassuranceAmbientand

continuoustrustthefore.21Humansatthe

helmMeaningful

human

oversight50HorizonthinkingTheemerging

risks

thatleaders

mustanticipate

now22SecurityandadversarialAIExfiltration,

syntheticthreats,

agents5323SafetyandsystemicriskPreventing

instability,

modelcollapse5524National

infrastructureFactoringtheAustralianAIlandscape5725

ZeroemissionintelligenceReducingAI’sfootprint5926

Foresightandgovernance

Preparingforlong-rangeAIadvances61Leading

inthenext

phaseΩHowtoconfidently

lead

intoan

ever-changingAI

Future63AIquick

guide•LevelsofAI–GenerativeAI,agentsandthe

rest67•2025state

of

the

art,and

signals

for

202668•AIglossary70Aboutthis

report71

TheevolutionofworkTalentfusion3Artificial

Intelligencein

2026:

TheAI-Native

Enterprisedecisions,buildsconfidence,reducesContentsThecall

to

leadNew

rules48Whilethevalueisreal,distribution

is

spikey.

Wheresomehaveseenspeculativeefforts

result

in

nothingbutsunkcosts,companiesthatpair

bold

ambitionwithenterprise-wideexecutionarepulling

ahead.Theexperiencesofarhasshownthat

piecemealAIeffortsyieldpiecemealresults.Scaling

requiresAI

tobetreatedasanenterprise-widesystem:aligned

tostrategy,integratedintoarchitecture,governed

fortrust,andbuiltforperformance.Asystemic

approachtowards‘AI-native’enterprise.New

rulesAIisincreasingly

becomingthefabric

ofthefuture,fundamentallychanginghowwedefineopportunity.Insteadofachatbotpilot

incustomerservice,

anAI-nativeenterprisemightintegrateAI

acrossthe

end-to-endcustomersupportprocess,letting

algorithmstriageinquiries,draftresponses,and

only

escalate

tohumansforcomplexcases.Insteadofasinglepredictive

maintenance

modelononeproductionline,AI-nativemanufacturers

mightredesignentiremaintenancesystemsthat

monitorequipmenthealthcontinuously.Inshapingtheseopportunities,AIisalso

rewritingtherulesofstrategicadvantage:•

Speed

Matters

More:Creativedestructionisdoneproactively.Whilesomecompaniescontinuetoexperiment,leadingcompanies

arerunningtointegrateAIinto

everythingthey

do.•

Scale

Matters

Less:Scalehas

long

beenavaluablesourceofadvantage,servingasa

moatandcapabilityleverage.AIis

redefiningwork

andthesizeandshapeofworkforces.•

Innovation

Matters

Most:Aswholenewcategoriesofbusinessare

inventedanddisruptiondrivesboth

uncertaintyandopportunity,innovatorswillreignsupreme.•

Trustmultiplieseverything:Trusted,responsible,ethicalAIderisksspeed,managesscale,

andprovidesleaderswiththeconfidenceto

move.AI

in2026Thisreportdistils26ofthe

mostconsequential

ideasshapingtheAIlandscapein2026.

Each

represents

adiscretebutinterlinkeddimensionofthe

modernAI-definedenterprise.Builton

PwCglobalcasestudiesand

research,theseideasultimatelysketchwhatitwilltake

to

lead

yourenterpriseintoanAI-nativefuture.Thepromiseandpotential

ofAI,the

riseoftrillion-dollarindustries,thespectreofautonomousagents,roboticembodiment,proteinfolding,big

deals,

datacentres,regulations,record-breakingAIemployeeincomes

…the

headlinesandhype

leave

nodoubtthatAIiscausingseismicshifts.Today,AIshowsthepotentialtodeliverthenexttech-fuelledGDP

boom.Butbeyondanecdotesandwildextrapolations,leadersareasking‘whatis

ittimefor

in

2026?’MovingbeyondexperimentationIn2026,Australiafacesapivotal

moment

intheevolutionofartificialintelligence.Thenation

enjoys

arareconvergenceofsupportivepolicy,enterpriseinvestment,industryalignmentand

innovationcapacity.Afteryearsoftentativepilotsanddemos,havingcometogripswithfundamentallynewtechnologycategories,AIhasmatured

beyondthelabandontothe

boardroomagenda.This

new

phaseisdefined

byAI

becominganintegrated

partofbusinesssystems.

Itis

no

longeracurioussideprojectordemo–AI

is

becominginfrastructure:acorepartofenterprisesystems,processesanddecision-making.Leadersare

nolongeraskingif

toadoptAI,but

howquicklythey

canscaleAIacrosstheiroperations.TheCEO

shiftAsforthetonefromthetop,today’sCEOsincreasinglyviewAIasembeddedinfrastructureforstrategyandoperations.

In

PwC’s2025CEOsurvey,nearly70%ofglobalCEOssaidthatgenerativeAIwillsignificantlychangehowtheircompany

creates,deliversandcapturesvalueinthe

nextthreeyears.Andthisisn’tafar-offprediction–

almost

halfoftechnologyleadersreportthatAI

is

alreadyfullyintegratedintotheircore

businessstrategies.InAustralia,anoverwhelmingnine

inten

CEOsseeAIadoptionascentraltotheirbusiness

strategy

overthenext3–5years

(PwC

CEOSurvey).

TheseleadersunderstandAIcapabilitiesare

nowas

criticalasfinance,salesoranyotherpillar

oftheenterprise.Asthisadoptionmaturityevolves,AI

is

beingwovenintocustomerplatforms,supplychains,and

decisionworkflows,augmentinghuman

judgmentwithmachineintelligenceatscale.Asa

result,AI

is

nowpoweringrealproductivitygains–from

15%to

40%improvementsinfocusedareas–and

enablingentirelynewbusiness

models

inthoseorganisationsthathavecommitted

to

itfully.Thenextphase4Artificial

Intelligencein

2026:

TheAI-Native

Enterprise5Artificial

Intelligencein

2026:

TheAI-Native

Enterprise6Artificial

Intelligence

in2026:

TheAIEnterpriseStrategicadvantageStrategicadvantageshowswhereAIreshapes

strategy,markets,andvalue

creation.Valuecreation

pinpointsthe

profitpoolsandgrowth

betsthatAIcandriveandtiesthemto

measurableoutcomes.Industryedge

hardensadvantagebyembedding

domainknowhowintoworkflowsanddecisions.

Ecosystemsand

innovationbuildspeed,innovationand

optionalitythroughpartnersand

platforms,withoutlockingthebusiness

into

asingle

path.

Enterpriseblueprintsscalewhatworksintoreusablecapabilitiesacrosstheorganisation.Valueinstrumentationtracksbusinessvalue,impacts,cost,

and

risk

in

realtime,so

leaderscansteerinvestment

andperformancewithconfidence.Whatmatters

nowBy2026,deliveringclearROIfromAI

is

an

urgentpriority.Afteryearsofexperimentation,boardsexpectAIinvestmentstotranslateinto

sustainableprofitability,not

justtechnologydemos.

Manybusinesseshavenotyetachievedtangible

valuefromtheirAIinitiatives,requiringa

newset

of

businessdisciplinesthatchangeinnovationeffortsfrompursuing‘proofsofconcept’to‘proofsofvalue’andthecapacitytoscaleand

embed.Whatchanges

in2026Insidethebusiness,theapproachtovalue

undergoesafundamentalshift:•

Metricsexpand:

Insteadofonlytrackingcostcutsandefficiency,firmsnowmeasureAI’s

impact

onrevenuegrowth,customerexperience,andinnovation.•

Beyondefficiency:

EarlyAIeffortsfocusedonautomatingtasksandboosting

productivity.

NowcompaniesuseAItopersonalise

offerings

andenhanceproducts,drivinghigher

sales

andcustomerlifetimevalue.•

Newvaluestreams:

Forward-lookingfirmslaunchnewservicesandbusiness

modelsenabled

byAI(e.g.data-drivensubscriptionsorsmartproducts),tappingfreshrevenuestreamsand

highermargins.Valuecreationthusspansfrompracticalgainstoradical

reinvention.•

ValuediscoverywithAI:AIdeepresearchandanalytictechniquescanplaya

part

in

finding

thebigopportunitiesandcontinuingtodiscoveropportunitysignalsinthe

marketandyour

business.Valuecreationisnot

a

layer

ofworkontop

oftoday’sprocesses;it’saredesignof

how

a

business

earns:

howproductsareconceived,pricedand

delivered,

howcustomersareacquiredandserved,

how

risk

istakenandmanaged,andwheretheboundaries

ofthe

business

beginand

end.Thisreflects

PwC’svalue-in-motionperspectivethatAustralia’snextboomwon’tcomefrom

how

muchwedigorship,butfromhowwe

meet

human

needs.Value

isshiftingasAIchangescostcurves

and

productboundaries,speedscyclesandpersonalises

atscale.Thepractical

jobisto

identifywhere

marginwillcompressandwhereitcanexpand,then

re-cut

yourbusiness

modelsoAIisbuilt

intothe

flow

ofworkand

intothe

product

itself.Valuecreationrequirestop-downperspective

and

anattentiontotimehorizons.Near-term,focus

onembeddedAIfeaturesthatchangeuniteconomics

inexistingjourneys–higherconversion,lowerchurn,fasterresolution,betterriskdecisionsand

embedded

controls–soresultsshowup

in

revenue

and

marginwithinquarters.

Inparallel,placelonger-horizon

betswhereAIenablesnewscopeandgrowth:data-enabledservices,smartproductswithrecurringrevenue,

and

partnershipsthatextendreachwithoutaddingheavyfixed

cost.Thethroughlineisdisciplinedattribution

andreinvestment—proveimpactearly,andchannelgains

intothenextwaveofreinvention.TracingAIpossibilities

tothe

bottom

line.Value

creation

01Atruevaluecreationstrategy

looksat

howAImovesvaluepools一

bothwithinyourP&Landacrossyourmarket一

by

gettingtothe

heartofyourbusiness

model.7Artificial

Intelligencein

2026:

TheAI-Native

EnterpriseAustraliancontextAustralianbusinesseshavethedata

depth,

digitaladoptionandcustomertrusttoturnAIintodistinctive,revenue-ledfeatures—especiallyinfinancialservices,retail,health,energy,mining

and

resourcessectors.TheopportunityistoembedAI

into

theway

thebusiness

runs,usinglocaldata

and

market

insighttosharpenpricing,personaliseservice,

and

launchadjacentofferings.Thosewhomovefromexperimentationtoenterprise-widedeploymentcansetthepace

in

the

region.LeadershipprioritiesTieAItoearnings:

Makeashortlist

of

high-valuejourneysandproductswhereAIcan

move

revenueormarginmeaningfully;assignaccountableownersand

baselines.Instrumenttheflow:

Buildattributionintoprocesses

sovaluecanbeseenand

debated—controlgroups,business

KPIs,anddisciplinedstop/godecisions.Concentratecapital:Shiftfundingfrommanysmallproofstoaportfolioofscaleddeploymentswith

clearpaybackandreinvestment

plans.AlignwiththeCFO:TreatAIcapacityandoperatingchangesas

partofthe

P&L;planforongoing

runcosts,resilienceandperformance

tracking.SignsoftransitionAttributedvalue:

MonthlyreviewslinkAIfeaturestocommercial

KPIs;underperformingdeploymentsarefixedorstopped.Fewerpilots,more

production:AIshows

up

incustomer

journeysandproductroadmaps,

not

asstandaloneexperiments.Bettereconomics:Cost-to-servedeclineswhilecustomermeasuresimprove;

newAI-enabledofferingscontributetorecurring

revenue.Disciplinedreinvestment:Savingsandgainsfundthenextwaveofproductandprocess

redesign.TheAI

leader’smindsetTreatAIasavalueengine,

nota

cost

line.Buildmicro-P&LsforAI-poweredjourneysandproducts,allocatecapitalbasedon

uniteconomics

peroutcome,andreinvestgainsinto

continual

redesign.Theboldstepis

to

letAI

reshape

the

businessmodel—creatingsecond-curverevenueandmarginthroughembeddedfeaturesandservices—whilekeepingmeasurementandaccountabilityatthe

core.TheboldestleadersviewAIas

integralto

strategy,continuallyasking:“Howisthis

initiative

moving

ourbottom-lineorcustomerneedle,andwhat’sthe

nextevolution

once

it

does?”Changeinnovationeffortsfrompursuing

aproofofconcepttoa

‘proof

of

value’.•

From

pockets

of

brilliance

totargetingtop-downvaluepools•

Dual-trackvalue;understandthenear-andlong-term•

Clearlineofsighttoearnings

andreturnoninvested

capital8Artificial

Intelligencein

2026:

TheAI-Native

EnterpriseWhatmatters

nowBoardsare

probingleaderson

how

it’s

usedtoreinforcetheircompetitivepositionintheir

industry.TheconversationhasshiftedtoensuringAI

initiativesaretightlyalignedwithindustryandcompany-specificopportunitiesandpain

points.Whatmatterstoexecutivesnow

is

developingAIsolutionsthatspeakthelanguageoftheirindustry–literallyandfiguratively–anddelivermeasurableimprovementsinthosecoresector

metrics,whetherthatbenet

interest

marginfor

banks,

reliabilityforenergyproviders,orpatientoutcomes

in

healthcare.TheurgencyistoturnAI

into

an

engine

ofsector-specificperformance,ratherthanan

experiment.Whatchanges

in2026AIadoptionbecomesdeeplytailoredto

industry

needs

inseveralways:•

Regulatorsstepin:

Industry

regulatorsareincreasinglyissuingAIguidelines,makingregulatory-gradeAIastandardexpectation.•

VerticalAIsolutionsproliferate:AwaveofAItoolsandplatformscustomisedforspecificsectors

isgainingtraction.•

Domaintalentandteams:OrganisationsplacehighervalueontalentwhocombineAIskillswithsectorexpertise;more“AI

+

Industry”

hybrid

roles–orpartnerswhoworkatthe

intersectionofpeople,process,technologyand

industry.•

Globalmodels,localadaptation:A

commonapproachisusinga

powerful

openAI

model

as

abasebutheavilyfine-tuning

itwith

proprietaryAustraliandataandembeddinglocal

businessrulesorsafetychecks.A“glocal”strategy.In2026,AIadvantagelives

inthe

last

mile

ofyourindustry.Competitiveedgedoesn’tcomefromowning

abiggermodel–itcomesfrom

encodingthe

industrydomainlogic,riskposture

and

operating

reality

intoAIenabledworkflowsthatrunthe

business.Asimpletestforleaders:ifa

rivalcould

recreate

yourAIwithoutyourdata,workflowsemanticsandaudittrail,youdon’thaveanedge.Whenthoseelements

are

baked

intothewayworkgetsdone,theybecome

hardto

copy.Achievinganindustryedgealso

means

learningfromthebestinthefield:leadingcompanies

actively

seek

outexamplesofambitiousAIplaysintheir

sector

andbeyond,studyinghowthoseinnovatorsachieved

resultsandadaptingthoselessonstotheirown

context.Everysolvededgecase,everydatasetwithclear

lineage,everycontrolthatacceleratessign-offbecomesareusablebuildingblock.Overtimethis

compounds

intoaninternal“industryOS”:

patterns,ontologies

andevidencepacksthatletyouscale

newAI

solutionswith

confidence.Industryedgealsoreframesspeed.

In

sectorswhereassurancematters,theorganisationsthatcanshiptrustedAIfastestwilloutpaceothers,eveniftheyuse

thesamefoundationalmodels.Approvalvelocitybecomesacompetitivemetricwhenguardrails,embeddedcontrols,provenanceandrollbackare

designed

in.Finally,thisapproachisa

responseto

a

key

insight:

bigtechnologyvendorsoftenlackdeepindustry

intimacy

andcanbelikea

hammer

looking

for

a

nail.

EffectiveAIleadersaren’tsimplyadoptingone-size-fits-alltools;theyarecustom-fittingAItotheirindustry’scontext–includingcompliancerequirements,customerexpectations,anddomainknowledge–tocreatea

moatthatothers

can’t

easilycross.Industry

edge

02GenericAIwon’tcreateacompetitivemoat;

industry

andcustomercontextwill.AlthoughAI

isageneral-purposetechnology,

its

use

isanythingbutgeneral,thrivingonwell-

definedtasksand

usecases.9Artificial

Intelligencein

2026:

TheAI-Native

EnterpriseAustraliancompaniesoperatein

industriesthatoftenhavestrictstandardsandunique

local

conditionsfrombankingregulationstogeographic

challenges

inmining.Thiscontextcreatesan

imperativeand

anopportunityforindustry-specificAI.ThepushforsovereignAI

homegrownAIcapabilitiesthatensuredatastaysonshore

andmodelsrespectAustralianvaluesisalso

gainingmomentum.ThismeansAustralianleaders

areincreasinglybalancingglobaltechnologywithlocalinnovation.LeadershipprioritiesInvestinverticalcapabilities:Allocateresourcestosectorspecificimplementation.Thismight

meantrainingcustommodelsonyour

industrydata

orpartneringwithsector-focusedAIvendors.Embedcomplianceearly:

EnsureAIsystemsmeetindustryregulationsandethicalstandardsforinstance,abankimplementingAI

should

alignwithAPRAsguidelinesonmodelrisk

management.Leverageproprietarydata:

Identifytheunique

datasetsyourcompanypossessesand

usethemtoenhanceAImodels.SignsoftransitionAIincoreworkflows:AIis

embedded

in

mission-criticaloperationsasstandardpractice,

not

pilotsforexample,real-timecreditdecisionswithin

riskguardrailsorautomatedcroptreatmentadjustments.

Regulatoryconfidence:

ExternalreviewsreturnminimalfindingsandacknowledgeAI-enabledprocessesmeetsafetyandfairnessexpectationsDifferentiatedofferings:AI-poweredfeaturesbecomeaclearmarketselling

point,withcustomersrecognisingyoursector-leadingstrength.Industrydataflywheel:AIsystemsgenerateuniqueoperationaldatathatcontinuallysharpensperformance,creatingacompoundingadvantage.TheAI

leader’smindsetViewAIthroughthelensofyourindustry

uniqueness.TheeffectiveleaderensuresthateveryAI

initiative

isanchoredinadeep

understandingofthe

businesscontext.Thismindsetmeans

beinga

specialist

ratherthanageneralistwithAIconstantlyasking,

Howdoesthistechnologysolveaproblemthat

matters

inourfield?and

Doesit

meetthe

standards

ofourindustryandcustomers?GenericAIwon’tcreatea

moat

–industrycontextwill.Whileglobaltechnologysolutions

areforeveryone,valuewillaccruetothosewhoowntheindustrylayer–thedata,theworkflows

andthetrustmechanismsthat

otherscan’t

easilyreplicate.10Artificial

Intelligence

in2026:TheAI-Native

EnterpriseAustraliancontextWhatmatters

nowIn2026,ecosystemsshiftfromloose

partnershipsto

acoherentsystemthatleadershipcan

relyon.

Partnersandopenmodelsslot

in

behind

clear

rulestheenterprisesets—agreementsonperformance,provenanceandcost,cleardataand

IP

boundaries,andtheflexibilitytoswitchaseconomics

or

riskchange.Themixtypicallycombinesglobal

scaleforreliabilitywithlocalspecialistsforcontext,reviewed

onaregularrhythmalongside

value

and

risk.Approvalspeedriseswhentrustrequirements

arebuiltintohowpartners

deliver,

so

the

evidence

arriveswiththesolution.Theresult

isa

modular

capabilitythatbringsrapid

innovationwithout

lock-in,withproprietarydataandoperatingknow-how

as

thedurablesourceofadvantage.Whatchanges

in2026Thelandscapedemandsinterconnected

innovation:•

Openmodelsmainstream:

Enterprisegradeopenmodelsbroadenchoiceand

reducedependency,vettedforsecurity,provenanceand

bias.•Alliance

networks:Cross

sector

consortia

tacklesharedproblemsandset

practicalstandards,speedinglearningand

delivery.•

Plugandplayservices:

Modularstackswithanorchestrationlayerallowcomponentsto

beswappedwithoutdisruptionaseconomicsshift.•

Ecosystemgovernance:Clearruleson

data,

IPandethics-formalagreementsand

oversight

-enablecollaborationwhileprotectingthecore.Nosingleenterprise–nomatter

how

large–

can

keep

upwithalltheadvancesinAI

by

itself.

Ecosystems

andInnovationisaboutdesigningyourAIstrategy

in2026toharnessanetworkofexternal

partners,opentechnologies,andcollaborativemodels.

It

requiresembracingamulti-partner,multi-modelapproach.Companiesareblendinginputsfrom

hyperscale

cloudproviders(fortheirinfrastructureandAIservices),open-sourceAImodels(forflexibilityand

lowercost),academicinstitutionsandstartups(forcutting-edge

ideasand

nicheexpertise)astheybuildtheirAIcapabilities.The

point

istoleveragethebestofwhatthe

broaderAIecosystemoffers,ratherthanreinventingeverywheel

internally.However,doingthiseffectivelyrequiresclear

rules

ofengagement–successfulorganisationssetcleardataboundariesand

IPsharingrulessothatworkingwithpartnersorusingopenmodels

doesn’t

compromiseproprietarydataorcompetitiveadvantage.Acrucialelementofanecosystemapproach

isoptionality–buildingflexibilityintoyourAIstackso

you

can

switchcomponentsastechnologiesoreconomicschange.By2026,leadingcompaniesseetheirAIcapability

notas

asinglemonolithicplatform,

butas

an

ecosystem

ofcapabilitiesthatcanevolve.Theymaintain

a

mix

ofalliances–withglobaltechnologyfirmsforscaleandreliability,andwithlocalplayersforcustomisation

andnicheinnovation.

Insum,“ecosystemsand

innovation”meansrecognisingthatAIprogress

isa

team

sport:

tostayattheforefront,businessesare

becoming

moreopen,collaborative,andmodular,whilefiercelyprotectingthecoreassetsthatset

them

apart.Noenterpriseca

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