36 episodes

Welcome to 2050 Investors your monthly guide to understanding the intricate connections between finance, globalisation, and ESG.

Join host Kokou Agbo-Bloua, Head of Economics, Cross-Asset & Quant Research at Societe Generale, for an exploration of the economic and market megatrends shaping the present and future, and how these trends might influence our progress to meeting 2050’s challenging global sustainability targets.

In each episode, Kokou deep-dives into the events impacting the economy, financial markets, the planet, and society. Through a magical blend of personal anecdotes, in-depth research and narratives overlaid with music, sound effects, and pop culture references, there’s certainly something for everyone.

Kokou also interviews industry-leading experts, personalities, entrepreneurs and even Nobel prize winners! You will learn from the best on a wide range of subjects on current affairs, market shifts, and economic developments.

If you like 2050 Investors, please leave a five-star review on Apple Podcasts or Spotify. Your support will help us spread the word and reach new audiences. If you’re seeking a brief and entertaining overview of market-related topics and their business and societal implications, subscribe now to stay informed!

Previous episodes of 2050 Investors have explored the post-COVID growth cycle, inflation, ESG-influenced financial assets, changes in the workplace and labour market, climate change, artificial intelligence, greenflation, smart cities, mobility, insurance, the macroeconomic impacts of the war in Ukraine, the food industry, hydrogen versus other renewables, the water cycle, the end of abundance, globalization and international trade, plastic pollution, health care, happiness and economic growth, biodiversity collapse, the fashion and retail industry, the energy transition, and more.

Credits
Presenter & Writer: Kokou Agbo-Bloua. Editor: Vincent Nickelsen, Linda Isker, Jovaney Ashman. Production Designer: Emmanuel Minelle, Radio K7 Creative. Executive Producer : Fanny Giniès. Sound Director: Marc Valenduc. Music: Rone. Graphic Design: Cédric Cazaly.


Although the following podcast discusses the financial markets, it does not recommend any particular investment decision. If you are unsure of the merits of any investment decision, please seek professional advice.

Hosted by Ausha. See ausha.co/privacy-policy for more information.

2050 Investors Société Générale

    • Business
    • 5.0 • 16 Ratings

Welcome to 2050 Investors your monthly guide to understanding the intricate connections between finance, globalisation, and ESG.

Join host Kokou Agbo-Bloua, Head of Economics, Cross-Asset & Quant Research at Societe Generale, for an exploration of the economic and market megatrends shaping the present and future, and how these trends might influence our progress to meeting 2050’s challenging global sustainability targets.

In each episode, Kokou deep-dives into the events impacting the economy, financial markets, the planet, and society. Through a magical blend of personal anecdotes, in-depth research and narratives overlaid with music, sound effects, and pop culture references, there’s certainly something for everyone.

Kokou also interviews industry-leading experts, personalities, entrepreneurs and even Nobel prize winners! You will learn from the best on a wide range of subjects on current affairs, market shifts, and economic developments.

If you like 2050 Investors, please leave a five-star review on Apple Podcasts or Spotify. Your support will help us spread the word and reach new audiences. If you’re seeking a brief and entertaining overview of market-related topics and their business and societal implications, subscribe now to stay informed!

Previous episodes of 2050 Investors have explored the post-COVID growth cycle, inflation, ESG-influenced financial assets, changes in the workplace and labour market, climate change, artificial intelligence, greenflation, smart cities, mobility, insurance, the macroeconomic impacts of the war in Ukraine, the food industry, hydrogen versus other renewables, the water cycle, the end of abundance, globalization and international trade, plastic pollution, health care, happiness and economic growth, biodiversity collapse, the fashion and retail industry, the energy transition, and more.

Credits
Presenter & Writer: Kokou Agbo-Bloua. Editor: Vincent Nickelsen, Linda Isker, Jovaney Ashman. Production Designer: Emmanuel Minelle, Radio K7 Creative. Executive Producer : Fanny Giniès. Sound Director: Marc Valenduc. Music: Rone. Graphic Design: Cédric Cazaly.


Although the following podcast discusses the financial markets, it does not recommend any particular investment decision. If you are unsure of the merits of any investment decision, please seek professional advice.

Hosted by Ausha. See ausha.co/privacy-policy for more information.

    Climate Volatility: From Green Swans to Antifragility | Managing Climate Stress-tests and Financial Risk

    Climate Volatility: From Green Swans to Antifragility | Managing Climate Stress-tests and Financial Risk

    Abraham Lincoln once said, “By failing to prepare, you are preparing to fail”. So why do well-known risk managements models fail to predict major events? Is it possible to know when and where the next crisis will come from? And how can we be better prepared?
    In this episode of 2050 Investors, host Kokou Agbo-Bloua explores the theory of Black Swans, created by Nassim Nicholas Taleb, and its relevance to sustainability, climate change, and financial markets.
    Delving into the world of the unexpected, he draws parallels between the dramatic twists and turns of Tchaikovsky's "Swan Lake" and the unpredictability of life and finance, to investigate how sudden, unforeseen events—Black Swans—impact markets and our globalized world.
    Kokou explains how these rare events, like the 2008 financial crisis and the recent COVID-19 pandemic, reshape financial landscapes.
    In the context of climate change, these black swans are rebranded as ‘Green Swans’, symbolizing the increasing frequency and severity of climate events such as floods, heat waves, and wildfires. Join host Kokou Agbo-Bloua as he assesses the impact of these Green Swans on our ability to manage risks and how they pose significant challenges for our economies and sustainability efforts. Kokou also emphasizes the importance of understanding the limitations of traditional risk management models and adapt in a rapidly changing world.
    Lastly, he explores how the principles of antifragility, another term coined by Taleb, can help systems benefit from external stressors, making them more resilient in the face of volatility and uncertainty.

    About this show
    Welcome to 2050 Investors, your monthly guide to understanding the intricate connections between finance, globalisation, and ESG.
    Join host Kokou Agbo-Bloua, Head of Economics, Cross-Asset & Quant Research at Societe Generale, for an exploration of the economic and market megatrends shaping the present and future, and how these trends might influence our progress to meeting 2050’s challenging global sustainability targets.
    In each episode, Kokou deep-dives into the events impacting the economy, financial markets, the planet, and society. Through a magical blend of personal anecdotes, in-depth research and narratives overlaid with music, sound effects, and pop culture references, there’s certainly something for everyone.
    Kokou also interviews industry-leading experts, personalities, entrepreneurs and even Nobel prize winners! You will learn from the best on a wide range of subjects on current affairs, market shifts, and economic developments.
    If you like 2050 Investors, please leave a five-star review on Apple Podcasts or Spotify. Your support will help us spread the word and reach new audiences. If you’re seeking a brief and entertaining overview of market-related topics and their business and societal implications, subscribe now to stay informed!
    Previous episodes of 2050 Investors have explored ESG, climate change, AI, greenflation, globalization, plastic pollution, food, healthcare, biodiversity and more.

    Credits
    Presenter & Writer: Kokou Agbo-Bloua. Editors: Vincent Nickelsen, Jovaney Ashman, Linda Isker. Production Designer: Emmanuel Minelle, Radio K7 Creative. Executive Producer : Fanny Giniès. Sound Director: Marc Valenduc. Music: Rone. Graphic Design: Cédric Cazaly.
    Whilst the following podcast discusses the financial markets, it does not recommend any particular investment decision. If you are unsure of the merits of any investment decision, please seek professional advice.


    Hosted by Ausha. See ausha.co/privacy-policy for more information.

    • 20 min
    Grey Matters and the Economics of Ageing (ft. Wei Yao, Head of Research & Chief Economist for APAC at Societe Generale) | Silver Economy

    Grey Matters and the Economics of Ageing (ft. Wei Yao, Head of Research & Chief Economist for APAC at Societe Generale) | Silver Economy

    The Chinese have a saying, 'A peaceful life has nothing to do with the passage of time'. This sound reminder points to the importance of enjoying life regardless of age. After all, age is just a number, right? Ageing has become a topical issue in the mainstream recently as experts warn of the incoming 'Silver Avalanche', which has already swept Europe and is making its way to Asia.

    Global life expectancy has risen from 51 to 72 since 1960 and is expected to reach 77 by 2050. It is projected that there will be around 2.4 billion elderly (aged 65 or over) or 24% of the world's population by the end of the century.

    Now, it is more important than ever to prepare for this demographic shift and ensure that older adults have access to the resources they need to live fulfilling lives. This, however, presents a dilemma, as while life expectancy is rising, families are shrinking as people have fewer children. The far-reaching effects are already being felt in many countries, including China.

    In this episode of 2050 Investors, Kokou reflects on the ageing crisis and its impact on the world's population, its economy, and the planet. The conversation then shifts to an analysis of the silver economy: With the assistance of Yoda from Star Wars, who was once Siri but aged due to planned obsolescence, Kokou explores the impact of a shrinking workforce, pension fund deficits, and escalating healthcare costs on fiscal and monetary policy.

    Later in the episode, Kokou talks with Wei Yao, Chief Economist for APAC at Societe Generale. With China's robust economic growth lifting millions out of poverty over the past decades, how does the country now address the imminent reality of an ageing population? There are solutions on the horizon, such as learning from countries like Japan and focusing on healthy ageing. However, striking a balance between economic growth and social welfare whilst creating a sustainable future is a complex challenge.

    About this show
    Welcome to 2050 Investors, your monthly guide to understanding the intricate connections between finance, globalisation, and ESG.
    Join host Kokou Agbo-Bloua, Head of Economics, Cross-Asset & Quant Research at Societe Generale, for an exploration of the economic and market megatrends shaping the present and future, and how these trends might influence our progress to meeting 2050’s challenging global sustainability targets.

    In each episode, Kokou deep-dives into the events impacting the economy, financial markets, the planet, and society. Through a magical blend of personal anecdotes, in-depth research and narratives overlaid with music, sound effects, and pop culture references, there’s certainly something for everyone.

    Kokou also interviews industry-leading experts, personalities, entrepreneurs and even Nobel prize winners! You will learn from the best on a wide range of subjects on current affairs, market shifts, and economic developments.

    If you like 2050 Investors, please leave a five-star review on Apple Podcasts or Spotify. Your support will help us spread the word and reach new audiences. If you’re seeking a brief and entertaining overview of market-related topics and their business and societal implications, subscribe now to stay informed!

    Previous episodes of 2050 Investors have explored ESG, climate change, AI, greenflation, globalization, plastic pollution, food, healthcare, biodiversity and more.

    Credits
    Presenter & Writer: Kokou Agbo-Bloua. Editors: Vincent Nickelsen, Jovaney Ashman, Linda Isker. Production Designer: Emmanuel Minelle, Radio K7 Creative. Executive Producer : Fanny Giniès. Sound Director: Marc Valenduc. Music: Rone. Graphic Design: Cédric Cazaly.

    Whilst the following podcast discusses the financial markets, it does not recommend any particular investment decision. If you are unsure of the merits of any investment decision, please seek professional advice.

    Hosted by Ausha. See ausha.co/privacy-policy for more information.

    • 26 min
    Carbon Bounty Hunting: From Stardust to the Notorious C.O.2 (ft. Eric Schoumsky) | Carbon Taxes, Credits, and Markets

    Carbon Bounty Hunting: From Stardust to the Notorious C.O.2 (ft. Eric Schoumsky) | Carbon Taxes, Credits, and Markets

    Strap on your boots, don your hats, grab your pitchforks and mangroves, because we are going carbon hunting!

    Although carbon dioxide makes up a measly 0.04% of our atmosphere or 421 parts per million (ppm), it is about double the average concentration seen over the past 3 million years. All of this extra carbon dioxide accumulated since the pre-industrial era has already caused global warming of 1.1 degrees Celsius, destabilized Earth's climate and started the 6th mass extinction of biodiversity in our planet's history.

    One solution: put a bounty on carbon's head and bring it to justice, aka carbon pricing! Since its introduction by the European Union in 2005, the idea of carbon pricing has long been touted by economists as one of the best ways to tackle climate change: making polluters pay for the environmental damage their emissions cause.

    Join Kokou Agbo-Bloua as he travels back in time to the Big Bang to trace the history of carbon, from its cosmic origins to its role in climate change. He also explores the science behind the formation of carbon, its role in the carbon cycle and its impact on the Earth's atmosphere.

    But the hunt doesn't stop there : Kokou talks to Eric Schoumsky, Head of Natural Capital Solutions at Societe Generale, about the role of carbon markets in financing nature-based solutions and how the market could evolve by 2050. Kokou presses Eric on the potential risks of manipulation and the potential impact on low-income households in a context of high inflation and shifting geopolitics.

    So join us on this high-stakes chase through the periodic table as we uncover the complex and fascinating world of carbon and its impact on our planet. "Carbon Bounty Hunting is a must-listen for anyone interested in science, the environment and the future of our planet.

    About this show
    Welcome to 2050 Investors, your monthly guide to understanding the intricate connections between finance, globalisation, and ESG.

    Join host Kokou Agbo-Bloua, Head of Economics, Cross-Asset & Quant Research at Societe Generale, for an exploration of the economic and market megatrends shaping the present and future, and how these trends might influence our progress to meeting 2050’s challenging global sustainability targets.

    In each episode, Kokou deep-dives into the events impacting the economy, financial markets, the planet, and society. Through a magical blend of personal anecdotes, in-depth research and narratives overlaid with music, sound effects, and pop culture references, there’s certainly something for everyone.

    Kokou also interviews industry-leading experts, personalities, entrepreneurs and even Nobel prize winners! You will learn from the best on a wide range of subjects on current affairs, market shifts, and economic developments.

    If you like 2050 Investors, please leave a five-star review on Apple Podcasts or Spotify. Your support will help us spread the word and reach new audiences. If you’re seeking a brief and entertaining overview of market-related topics and their business and societal implications, subscribe now to stay informed!

    Previous episodes of 2050 Investors have explored ESG-influenced financial assets, climate change, AI, greenflation, smart cities, globalization, plastic pollution, food, health care, biodiversity, the energy transition, and more.

    Credits
    Presenter & Writer: Kokou Agbo-Bloua. Editors: Vincent Nickelsen, Jovaney Ashman, Linda Isker. Production Designer: Emmanuel Minelle, Radio K7 Creative. Executive Producer : Fanny Giniès. Sound Director: Marc Valenduc. Interview Voice-over : Richard Doust, supervised by Romain Lefebvre. Music: Rone. Graphic Design: Cédric Cazaly.

    Whilst the following podcast discusses the financial markets, it does not recommend any particular investment decision. If you are unsure of the merits of any investment decision, please seek professional advice.

    Hosted by Ausha. See ausha.co/privacy-policy for more information.

    • 24 min
    “Fed” Up with Carbon: Central Banks & Climate Change

    “Fed” Up with Carbon: Central Banks & Climate Change

    Should the world's central banks (Fed, ECB, BoE...) launch a coordinated "green quantitative easing" programme to simply print the $3.5 trillion a year needed to finance the energy transition? Is this a realistic solution or too green to be true?

    This episode of the 2050 investors podcast puts the 'central' back in central banks. Since their creation in the 17th century, central banks have been tasked with managing monetary policy, overseeing the banking system and the core mandate of maintaining 'price stability'. But climate change is becoming a major threat to their mandate, posing a real risk to economic and financial stability in the medium to long term.
    In this latest episode, Kokou explores the delicate balancing act that central banks must perform as they seek to be independent in ensuring that inflation remains under control, while at the same time contributing to economic and financial stability and playing a central role in the fight against climate change. There is more to central banking than meets the eye.

    Don't worry if you've forgotten your Economics 101 course, or if you've never taken one, because we're going to give you a quick crash course in the complicated role of the central bank, using references from the series Money Heist (La Casa de Papel) and the wonderful and magical world of Lord of the Rings.

    And, of course, we take you down memory lane with a brief history of central banks and their evolution from
    World War I through 20th century Japan to the recent 'inflation outbreak' following the Covid19 pandemic.

    Later in the episode you will hear extracts from an episode of "The ECB Podcast" entitled "Tackling climate change as a central bank, between motivation, obligation and limitation". Isabel Schnabel and Frank Elderson, Executive Board members of the European Central Bank, explain the role of the ECB's Corporate Sector Purchase Programme (CSPP), which buys green bonds issued by companies in order to reduce their carbon footprint.

    About this show
    Welcome to 2050 Investors your monthly guide to understanding the intricate connections between finance, globalisation, and ESG.

    Join host Kokou Agbo-Bloua, Head of Economics, Cross-Asset & Quant Research at Societe Generale, for an exploration of the economic and market megatrends shaping the present and future, and how these trends might influence our progress to meeting 2050’s challenging global sustainability targets.

    In each episode, Kokou deep-dives into the events impacting the economy, financial markets, the planet, and society. Through a magical blend of personal anecdotes, in-depth research and narratives overlaid with music, sound effects, and pop culture references, there’s certainly something for everyone.

    Kokou also interviews industry-leading experts, personalities, entrepreneurs and even Nobel prize winners! You will learn from the best on a wide range of subjects on current affairs, market shifts, and economic developments.

    If you like 2050 Investors, please leave a five-star review on Apple Podcasts or Spotify. Your support will help us spread the word and reach new audiences. If you’re seeking a brief and entertaining overview of market-related topics and their business and societal implications, subscribe now to stay informed!

    Previous episodes of 2050 Investors have explored ESG-influenced financial assets, climate change, AI, greenflation, smart cities, globalization, plastic pollution, food, health care, biodiversity, the energy transition, and more.

    Credits

    Presenter & Writer: Kokou Agbo-Bloua. Editors: Vincent Nickelsen, Jovaney Ashman, Linda Isker and Théodora David. Production Designer: Emmanuel Minelle, Radio K7 Creative. Executive Producer : Fanny Giniès. Sound Director: Marc Valenduc. Music: Rone. Graphic Design: Cédric Cazaly.

    Whilst the following podcast discusses the financial markets, it does not recommend any particular investment decision. If you are unsure of the merits of any investment decis

    • 25 min
    The Nautilus Chronicles: Exploring The Future of Oceans (ft. Nisha Bakker, Director Partnerships at The Ocean Cleanup)

    The Nautilus Chronicles: Exploring The Future of Oceans (ft. Nisha Bakker, Director Partnerships at The Ocean Cleanup)

    What has no beginning, end, or middle and touches every continent?
    If you answered, “the ocean”- Correct!
    Or the ‘living infinite’, as Jules Verne called it in Twenty Thousand Leagues Under the Sea. This latest episode of 2050 Investors is a splashy one as host Kokou Agbo-Bloua dives deep into the mysteries of the oceans aboard the modern-day Nautilus, the Nautile.
    In 2022, at the UN Convention on Biological Diversity (CBD), 150 member states pledged to preserve or safeguard thirty percent of the world's oceans by 2030: or “30 by 30”. While a positive step in the right direction, more still needs to be done.
    Join Kokou in this daring adventure exploring the importance of the ocean in shaping Earth’s climate, providing food and habitat for animals and humans alike, the economy and so much more!
    But be aware as the adventure does take a dark turn when we encounter the deep-water alter ego of the Great Pacific Garbage patch. We will learn about the devastating effects of plastic pollution, envisioning a Kraken monster born from our own waste.
    Later in the episode, we speak with Nisha Bakker, Director Partnerships at The Ocean Cleanup. The Ocean Cleanup is a non-profit foundation working daily to rid the world's oceans of plastic. Nisha emphasises the need for a global effort to change the system of plastic production and waste management, mentioning the development of a Plastic Treaty. However, she’s optimistic of growing awareness and progress in ocean and river cleaning initiatives.
    As the journey concludes, Kokou reflects on the resilience depicted in Hemingway's "The Old Man and the Sea," leaving listeners with a poignant reminder that, despite the challenges, we can persevere.
    About this show
    Welcome to 2050 Investors your monthly guide to understanding the intricate connections between finance, globalisation, and ESG.
    Join host Kokou Agbo-Bloua, Head of Economics, Cross-Asset & Quant Research at Societe Generale, for an investigation of the economic and market megatrends shaping the present and future, and how these trends might influence our progress to meeting 2050’s challenging global sustainability targets.

    In each episode, Kokou deep dives into the events impacting the economy, financial markets, the planet, and society. Through a magical blend of personal anecdotes, in-depth research and narratives overlaid with music, sound effects, and pop culture references, there’s certainly something for everyone.

    Kokou also interviews industry-leading experts, personalities, entrepreneurs and even Nobel prize winners! You will learn from the best on a wide range of subjects on current affairs, market shifts, and economic developments.

    If you like 2050 Investors, please leave a five-star review on Apple Podcasts or Spotify. Your support will help us spread the word and reach new audiences. If you’re seeking a brief and entertaining overview of market-related topics and their business and societal implications, subscribe now to stay informed!

    Previous episodes of 2050 Investors have explored ESG-influenced financial assets, climate change, AI, greenflation, smart cities, globalization, plastic pollution, food, health care, biodiversity, the energy transition, and more.

    Credits
    Presenter & Writer: Kokou Agbo-Bloua. Editors: Vincent Nickelsen, Jovaney Ashman, Linda Isker and Théodora David. Production Designer: Emmanuel Minelle, Radio K7 Creative. Executive Producer : Fanny Giniès. Sound Director: Marc Valenduc. Music: Rone. Graphic Design: Cédric Cazaly.
    Whilst the following podcast discusses the financial markets, it does not recommend any particular investment decision. If you are unsure of the merits of any investment decision, please seek professional advice.


    Hosted by Ausha. See ausha.co/privacy-policy for more information.

    • 28 min
    Home Sweet Home: Solutions for Climate-Resilient Housing (ft. Ben Richford, real estate finance expert) | urbanisation, sustainable living

    Home Sweet Home: Solutions for Climate-Resilient Housing (ft. Ben Richford, real estate finance expert) | urbanisation, sustainable living

    Why do we say, "there’s no place like home"? This iconic phrase appears in "The Wizard of Oz" to remind us of the human need for familiarity, belonging and protection. Over the past centuries, our homes have followed a Darwinian process of evolution by natural selection of efficiency. From caves to skyscrapers, they’ve protected us from wild animals, natural disasters, and the changing climate.  

    Current estimates put the total number of houses at around 2 billion and by 2050, we will need to house around 10 billion people, all looking for familiarity, belonging, comfort and security.

    So, in this latest episode of 2050 Investors, we go house hunting with Kokou Agbo-Bloua and take a deep dive into the past, present, and future of housing.

    How can we create sustainable homes for all, and will we adapt in time in the face of the big bad wolf of climate change?

    We start off this episode with a cautionary tale of "The Three Little Pigs" 🐷🐷🐷 : a sobering reminder of the need to build for tomorrow.

    Later we embark on a historical odyssey into the history of housing across cultures — from Egyptian sun-dried bricks to the sprawling skyscrapers of New York.

    And finally in this episode, Kokou sits down with Ben Richford, Co-Head of Real Estate Sector Research at Societe Generale, to gain more insight into how the housing and real estate markets can strive for a fair and sustainable future.

    The conversation also touches on the sector's adaptation to climate change and the predicted megatrend of urbanisation, the social aspect of the housing transition, and the economic drivers behind changes in the real estate market.

    About this show
    Welcome to 2050 Investors your monthly guide to understanding the intricate connections between finance, globalisation, and ESG.
    Join host Kokou Agbo-Bloua, Head of Economics, Cross-Asset & Quant Research at Societe Generale, for an investigation of the economic and market megatrends shaping the present and future, and how these trends might influence our progress to meeting 2050’s challenging global sustainability targets.

    In each episode, Kokou deep dives into the events impacting the economy, financial markets, the planet, and society. Through a magical blend of personal anecdotes, in-depth research and narratives overlaid with music, sound effects, and pop culture references, there’s certainly something for everyone.

    Kokou also interviews industry-leading experts, personalities, entrepreneurs and even Nobel prize winners! You will learn from the best on a wide range of subjects on current affairs, market shifts, and economic developments.

    If you like 2050 Investors, please leave a five-star review on Apple Podcasts or Spotify. Your support will help us spread the word and reach new audiences. If you’re seeking a brief and entertaining overview of market-related topics and their business and societal implications, subscribe now to stay informed!

    Previous episodes of 2050 Investors have explored ESG-influenced financial assets, climate change, AI, greenflation, smart cities, globalization, plastic pollution, food, health care, biodiversity, the energy transition, and more.

    Credits

    Presenter & Writer: Kokou Agbo-Bloua. Editors: Vincent Nickelsen, Jovaney Ashman, Linda Isker and Théodora David. Production Designer: Emmanuel Minelle, Radio K7 Creative. Executive Producer : Fanny Giniès. Sound Director: Marc Valenduc. Music: Rone. Graphic Design: Cédric Cazaly.

    Whilst the following podcast discusses the financial markets, it does not recommend any particular investment decision. If you are unsure of the merits of any investment decision, please seek professional advice. 

    Hosted by Ausha. See ausha.co/privacy-policy for more information.

    • 26 min

Customer Reviews

5.0 out of 5
16 Ratings

16 Ratings

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