The numbers behind the success
Advancing
1.5M+
Over NIS 1 billion of annual turnover in the YELLOW app.
Leading
1A
A stable business profile rating that reflects a leading position in the energy market in Israel.
Expanding
+300
Over 300 retail sales points.
Connected
+2M
More than 2 million interactions with customers every day.
About Paz
About Paz
The Paz Group has set itself the goal of providing its customers with a first-of-its-kind service experience in Israel. At home, on the road, and at work, we meet our customers at the right place and time for them and provide a world of convenience. In the way of innovation, growth, development, and business prosperity in the worlds of retail, real estate, and energy, we are marching towards progress, with a view that is 100% focused on customers.
Since 2006, Paz has been a public company, and its shares are traded on the Tel Aviv Stock Exchange. The group has subsidiaries and leading brands - from Pazgaz to Yellow. The valuable experience of more than 100 years of business activity alongside innovative thinking outside the box allows the Paz Group to pave the way for extraordinary achievements that established the group's status as a leading corporation in the Israeli market.
The history of Paz
The Paz Group has been operating in Israel for more than a century. Since its establishment in 1922, Paz has gone through tremendous development and change processes, but throughout all the years of activity, it continues to faithfully serve millions of Israeli customers and accompany each and every one along the way.
1922
A fuel marketing company called "Anglo-Asiatic Petroleum" was established in Israel. This is the company that would later become the "Paz" company.
1922
A fuel marketing company called "Anglo-Asiatic Petroleum" was established in Israel. This is the company that would later become the "Paz" company.
The areas of activity of the Paz group
The areas of activity of the Paz group
Paz is a company of customers and therefore strives to provide maximum smart solutions for everyday life. From leading the field of energy and real estate to supermarkets in the city centers, we at Paz continue to develop and achieve impressive achievements in a selection of fields.
Energy for transportation
Alongside the traditional activity of transporting, marketing, and selling fuels and oils, innovative activity in the field of electric charging allows Paz to continue to lead the field of energy for transportation. The group is engaged in the sale of fuels and electricity to private customers at the refueling complexes, refueling and electrification solutions for businesses through Pazomat, energy marketing to large business customers, and storage and refueling of jet fuel.
Food retailing
Paz has set itself the goal of becoming a leader in the food retail market in the worlds of convenience and supermarkets in city centers. Hundreds of points of sale nationwide, within a short drive and even walking distance from the customer's home, allow Paz to provide a unique experience. All these are joined by the group's digital wallet, which combines innovative technological capabilities, and establishes its position as a leading convenience retailer.
Real estate
The Paz Group owns many properties throughout the country, including, among other things, ownership of station complexes and other operational assets. The company works to maximize the potential of the group's assets alongside a real estate initiative focused on expanding the retail base and locating and developing land for the establishment of gas stations, convenience stores, and other retail complexes.
Gas and renewable energies
The Pazgaz subsidiary markets, sells, and distributes energy solutions based on gas and electricity to hundreds of thousands of institutional, business, and private customers in Israel. In addition, the group operates in the world of renewable energy.
The people who lead the Paz group
The people who lead the Paz group
Nir Sztern
CEO of the Group
Nir joined the Paz group, as the group's CEO in 2020.
Before joining Paz, Nir served as CEO of Cellcom and 013 Netvision.
Nir Sztern holds a bachelor's degree in economics and management (B.A) from Tel Aviv University, and a master's degree in business administration (MBA) from the branch of the University of Manchester in Israel.
Nir joined the Paz group, as the group's CEO in 2020.
Before joining Paz, Nir served as CEO of Cellcom and 013 Netvision.
Nir Sztern holds a bachelor's degree in economics and management (B.A) from Tel Aviv University, and a master's degree in business administration (MBA) from the branch of the University of Manchester in Israel.
Shlomi Fruhling
Deputy CEO of Paz
Shlomi joined the Paz Group in 2020 as VP of Finance and Business Development and in 2021 was appointed Deputy CEO of the group.
Before joining Paz, Shlomi held senior management positions in large companies in Israel, including Cellcom, Discount Investments and 013 Netvision.
Shlomi Freeling holds a Bachelor's degree in Economics and Business Administration (B.A) from the Tel Aviv College of Management.
Shlomi joined the Paz Group in 2020 as VP of Finance and Business Development and in 2021 was appointed Deputy CEO of the group.
Before joining Paz, Shlomi held senior management positions in large companies in Israel, including Cellcom, Discount Investments and 013 Netvision.
Shlomi Freeling holds a Bachelor's degree in Economics and Business Administration (B.A) from the Tel Aviv College of Management.
Tali Huber
Chief Financial Officer
Tali joined the Paz Group in 2023 as the group's CFO.
Before joining Paz, Tali held senior management positions in large companies in Israel. Among them Shufersal, Israel Post, and Shilav Group.
Tali Huber has an MBA and a bachelor's degree in economics and business administration (B.A) from Bar Ilan University.
Tali joined the Paz Group in 2023 as the group's CFO.
Before joining Paz, Tali held senior management positions in large companies in Israel. Among them Shufersal, Israel Post, and Shilav Group.
Tali Huber has an MBA and a bachelor's degree in economics and business administration (B.A) from Bar Ilan University.
Barak Strosberg
Vice President of Operations and Human Resources
Barak Barak Strosberg joined the Paz Group in 2023 as the Group's Vice President of Operations and Human Resources.
Before joining Paz, Barak held senior management positions in large companies in Israel, including IAI, Osem-Nestle Group, and the Ministry of Finance.
Accountant Barak Barak Strosberg holds a degree in accounting and business administration from the International School of Management and a bachelor's and master's degree in political science and public policy (respectively) from the Hebrew University.
Barak Barak Strosberg joined the Paz Group in 2023 as the Group's Vice President of Operations and Human Resources.
Before joining Paz, Barak held senior management positions in large companies in Israel, including IAI, Osem-Nestle Group, and the Ministry of Finance.
Accountant Barak Barak Strosberg holds a degree in accounting and business administration from the International School of Management and a bachelor's and master's degree in political science and public policy (respectively) from the Hebrew University.
Moti Kirschenbaum
Vice President of Information and Digital Systems
Moti joined the Paz Group in July 2020 as VP of Information Systems and Digital.
Before joining Paz, Moti held senior management positions in large companies in Israel, including Strauss Water-Tami4, Teva, Amdocs, and Intel.
Moti Kirshenbaum holds a bachelor's degree in information systems engineering (B.Sc) from Tel Aviv University and the University of California (UCI).
Moti joined the Paz Group in July 2020 as VP of Information Systems and Digital.
Before joining Paz, Moti held senior management positions in large companies in Israel, including Strauss Water-Tami4, Teva, Amdocs, and Intel.
Moti Kirshenbaum holds a bachelor's degree in information systems engineering (B.Sc) from Tel Aviv University and the University of California (UCI).
Anat Rothschild
Adv. Deputy Managing Director, Chief Legal Counsel, Company Secretary
Anat Rothschild joined the Paz Group in February 2024 as Vice President, Chief Legal Advisor, and Company Secretary.
Before joining Paz, she served as Vice President, Chief Legal Counsel and Company Secretary, and Asset Manager at Infinia Group Ltd. (former Hadera Paper).
Anat Rothschild is a lawyer with a bachelor's degree in law (LL.B), a master's degree (European) in law and economics (LL.M), and a master's degree in business administration, Kellogg Recanati executive program (Executive MBA).
Anat Rothschild joined the Paz Group in February 2024 as Vice President, Chief Legal Advisor, and Company Secretary.
Before joining Paz, she served as Vice President, Chief Legal Counsel and Company Secretary, and Asset Manager at Infinia Group Ltd. (former Hadera Paper).
Anat Rothschild is a lawyer with a bachelor's degree in law (LL.B), a master's degree (European) in law and economics (LL.M), and a master's degree in business administration, Kellogg Recanati executive program (Executive MBA).
Ofir Inbar
Vice President of Trade and Marketing
Ofir joined the Paz Group in 2020 as the VP of Marketing and Trade.
Before joining Paz, Ofir held management positions in large companies in Israel, including Super-Pharm, and Procter & Gamble.
Ofir Inbar holds a bachelor's degree in economics and philosophy (B.A) from Tel Aviv University.
Ofir joined the Paz Group in 2020 as the VP of Marketing and Trade.
Before joining Paz, Ofir held management positions in large companies in Israel, including Super-Pharm, and Procter & Gamble.
Ofir Inbar holds a bachelor's degree in economics and philosophy (B.A) from Tel Aviv University.
Reuven Yehoshua
Vice President of Sales and Station Management
Reuven joined the Paz Group in 2020 as VP of Sales and Station Management.
Before joining Paz, Reuven held senior management positions in large companies in Israel including Max Stock, Electra Trade, Zoglovac Group, Tnuva, and Pelephone. Psychology studies at the Open University.
Reuven joined the Paz Group in 2020 as VP of Sales and Station Management.
Before joining Paz, Reuven held senior management positions in large companies in Israel including Max Stock, Electra Trade, Zoglovac Group, Tnuva, and Pelephone. Psychology studies at the Open University.
Yehonatan Gotliev
VP Business Development
Yonatan Gotliev joined the Paz group in 2019, and in 2021 was appointed the group's VP of business development. In addition, Yonatan serves as a director in several subsidiaries.
Before joining Paz, he served as a manager and senior consultant at the EY firm and also held positions at the Israel Venture Capital Fund.
Yonatan is a certified accountant and holds a bachelor's degree in law (LL.B) and accounting (B.A) from Reichman University.
Yonatan Gotliev joined the Paz group in 2019, and in 2021 was appointed the group's VP of business development. In addition, Yonatan serves as a director in several subsidiaries.
Before joining Paz, he served as a manager and senior consultant at the EY firm and also held positions at the Israel Venture Capital Fund.
Yonatan is a certified accountant and holds a bachelor's degree in law (LL.B) and accounting (B.A) from Reichman University.
Israel Klepper
Vice President of Wholesale Trade
Israel joined the Paz Group in 1981 and since then has held many management positions.
In 2010 he was appointed VP of Wholesale and Trading, then he was appointed CEO of Paz Aviation Services.
Israel Klepper holds a bachelor's degree in social sciences (B.A) from the Open University, a bachelor's degree in law (LL.B) from Shaari Mishpat, and a master's degree in business administration (MBA) from the University of Derby.
Israel joined the Paz Group in 1981 and since then has held many management positions.
In 2010 he was appointed VP of Wholesale and Trading, then he was appointed CEO of Paz Aviation Services.
Israel Klepper holds a bachelor's degree in social sciences (B.A) from the Open University, a bachelor's degree in law (LL.B) from Shaari Mishpat, and a master's degree in business administration (MBA) from the University of Derby.
Uri Kahalon
Vice President of Real Estate
Uri joined the Paz Group as VP of Real Estate in 2010 and serves as a director in subsidiaries of the group.
Before joining Paz, Uri served as deputy head of the banking division at Bank Leumi, responsible for marketing and customers in Bank Leumi's retail business line.
Also serving as a member of the board of the Leumi Card credit card company. Uri Kahlon has a degree in Business Administration (MBA).
Uri joined the Paz Group as VP of Real Estate in 2010 and serves as a director in subsidiaries of the group.
Before joining Paz, Uri served as deputy head of the banking division at Bank Leumi, responsible for marketing and customers in Bank Leumi's retail business line.
Also serving as a member of the board of the Leumi Card credit card company. Uri Kahlon has a degree in Business Administration (MBA).
Yitzhak Hamami
CEO of real estate entrepreneurship
Yitzhak joined Paz in 2023 as CEO of Paz Real Estate Enterprises.
Before joining Paz, Yitzhak served as CEO of the companies Midtown Jerusalem, and Midtown Tel Aviv, and as Chief Project Manager of the Israel Canada Group.
Yitzhak Hamami holds a master's degree in business administration from the Hebrew University of Jerusalem.
Yitzhak joined Paz in 2023 as CEO of Paz Real Estate Enterprises.
Before joining Paz, Yitzhak served as CEO of the companies Midtown Jerusalem, and Midtown Tel Aviv, and as Chief Project Manager of the Israel Canada Group.
Yitzhak Hamami holds a master's degree in business administration from the Hebrew University of Jerusalem.
Yoav Sheizaf
CEO of the supermarket chain
Yoav joined the Paz Group as CEO of the group's supermarket chain in 2022.
Before joining Paz, he served as CEO of the sales and retail trade division at Neoprem, and before that, he held other management positions.
Yoav Sheizaf holds a bachelor's degree in communication and social sciences (B.A) from Ariel University and a master's degree in political science and public administration (M.A) from Bar Ilan University.
Yoav joined the Paz Group as CEO of the group's supermarket chain in 2022.
Before joining Paz, he served as CEO of the sales and retail trade division at Neoprem, and before that, he held other management positions.
Yoav Sheizaf holds a bachelor's degree in communication and social sciences (B.A) from Ariel University and a master's degree in political science and public administration (M.A) from Bar Ilan University.
Asaf Ofer
CEO of Pazgaz
Asaf joined the Paz Group in 2023 as CEO of Pazgaz.
Before joining Paz, he served as CEO of WECOM and Hot Mobile and as VP at Pelephone.
Asaf Ofer holds a bachelor's degree in economics and management and an MBA from Tel Aviv University.
Asaf joined the Paz Group in 2023 as CEO of Pazgaz.
Before joining Paz, he served as CEO of WECOM and Hot Mobile and as VP at Pelephone.
Asaf Ofer holds a bachelor's degree in economics and management and an MBA from Tel Aviv University.
Galit Tuchterman
Head of communications and spoke person
Galit joined Paz as head of communications and spokespersons in 2020.
Before joining Paz, she served for many years as a member of the board and head of communications and spokespersons at Cellcom.
Galit graduated with certificate studies in financial management and financial reports, marketing, and investment portfolio management.
Galit joined Paz as head of communications and spokespersons in 2020.
Before joining Paz, she served for many years as a member of the board and head of communications and spokespersons at Cellcom.
Galit graduated with certificate studies in financial management and financial reports, marketing, and investment portfolio management.
Nir Sztern
CEO of the Group
Nir joined the Paz group, as the group's CEO in 2020.
Before joining Paz, Nir served as CEO of Cellcom and 013 Netvision.
Nir Sztern holds a bachelor's degree in economics and management (B.A) from Tel Aviv University, and a master's degree in business administration (MBA) from the branch of the University of Manchester in Israel.
Nir joined the Paz group, as the group's CEO in 2020.
Before joining Paz, Nir served as CEO of Cellcom and 013 Netvision.
Nir Sztern holds a bachelor's degree in economics and management (B.A) from Tel Aviv University, and a master's degree in business administration (MBA) from the branch of the University of Manchester in Israel.
Shlomi Fruhling
Deputy CEO of Paz
Shlomi joined the Paz Group in 2020 as VP of Finance and Business Development and in 2021 was appointed Deputy CEO of the group.
Before joining Paz, Shlomi held senior management positions in large companies in Israel, including Cellcom, Discount Investments and 013 Netvision.
Shlomi Freeling holds a Bachelor's degree in Economics and Business Administration (B.A) from the Tel Aviv College of Management.
Shlomi joined the Paz Group in 2020 as VP of Finance and Business Development and in 2021 was appointed Deputy CEO of the group.
Before joining Paz, Shlomi held senior management positions in large companies in Israel, including Cellcom, Discount Investments and 013 Netvision.
Shlomi Freeling holds a Bachelor's degree in Economics and Business Administration (B.A) from the Tel Aviv College of Management.
Tali Huber
Chief Financial Officer
Tali joined the Paz Group in 2023 as the group's CFO.
Before joining Paz, Tali held senior management positions in large companies in Israel. Among them Shufersal, Israel Post, and Shilav Group.
Tali Huber has an MBA and a bachelor's degree in economics and business administration (B.A) from Bar Ilan University.
Tali joined the Paz Group in 2023 as the group's CFO.
Before joining Paz, Tali held senior management positions in large companies in Israel. Among them Shufersal, Israel Post, and Shilav Group.
Tali Huber has an MBA and a bachelor's degree in economics and business administration (B.A) from Bar Ilan University.
Barak Strosberg
Vice President of Operations and Human Resources
Barak Barak Strosberg joined the Paz Group in 2023 as the Group's Vice President of Operations and Human Resources.
Before joining Paz, Barak held senior management positions in large companies in Israel, including IAI, Osem-Nestle Group, and the Ministry of Finance.
Accountant Barak Barak Strosberg holds a degree in accounting and business administration from the International School of Management and a bachelor's and master's degree in political science and public policy (respectively) from the Hebrew University.
Barak Barak Strosberg joined the Paz Group in 2023 as the Group's Vice President of Operations and Human Resources.
Before joining Paz, Barak held senior management positions in large companies in Israel, including IAI, Osem-Nestle Group, and the Ministry of Finance.
Accountant Barak Barak Strosberg holds a degree in accounting and business administration from the International School of Management and a bachelor's and master's degree in political science and public policy (respectively) from the Hebrew University.
Moti Kirschenbaum
Vice President of Information and Digital Systems
Moti joined the Paz Group in July 2020 as VP of Information Systems and Digital.
Before joining Paz, Moti held senior management positions in large companies in Israel, including Strauss Water-Tami4, Teva, Amdocs, and Intel.
Moti Kirshenbaum holds a bachelor's degree in information systems engineering (B.Sc) from Tel Aviv University and the University of California (UCI).
Moti joined the Paz Group in July 2020 as VP of Information Systems and Digital.
Before joining Paz, Moti held senior management positions in large companies in Israel, including Strauss Water-Tami4, Teva, Amdocs, and Intel.
Moti Kirshenbaum holds a bachelor's degree in information systems engineering (B.Sc) from Tel Aviv University and the University of California (UCI).
Anat Rothschild
Adv. Deputy Managing Director, Chief Legal Counsel, Company Secretary
Anat Rothschild joined the Paz Group in February 2024 as Vice President, Chief Legal Advisor, and Company Secretary.
Before joining Paz, she served as Vice President, Chief Legal Counsel and Company Secretary, and Asset Manager at Infinia Group Ltd. (former Hadera Paper).
Anat Rothschild is a lawyer with a bachelor's degree in law (LL.B), a master's degree (European) in law and economics (LL.M), and a master's degree in business administration, Kellogg Recanati executive program (Executive MBA).
Anat Rothschild joined the Paz Group in February 2024 as Vice President, Chief Legal Advisor, and Company Secretary.
Before joining Paz, she served as Vice President, Chief Legal Counsel and Company Secretary, and Asset Manager at Infinia Group Ltd. (former Hadera Paper).
Anat Rothschild is a lawyer with a bachelor's degree in law (LL.B), a master's degree (European) in law and economics (LL.M), and a master's degree in business administration, Kellogg Recanati executive program (Executive MBA).
Ofir Inbar
Vice President of Trade and Marketing
Ofir joined the Paz Group in 2020 as the VP of Marketing and Trade.
Before joining Paz, Ofir held management positions in large companies in Israel, including Super-Pharm, and Procter & Gamble.
Ofir Inbar holds a bachelor's degree in economics and philosophy (B.A) from Tel Aviv University.
Ofir joined the Paz Group in 2020 as the VP of Marketing and Trade.
Before joining Paz, Ofir held management positions in large companies in Israel, including Super-Pharm, and Procter & Gamble.
Ofir Inbar holds a bachelor's degree in economics and philosophy (B.A) from Tel Aviv University.
Reuven Yehoshua
Vice President of Sales and Station Management
Reuven joined the Paz Group in 2020 as VP of Sales and Station Management.
Before joining Paz, Reuven held senior management positions in large companies in Israel including Max Stock, Electra Trade, Zoglovac Group, Tnuva, and Pelephone. Psychology studies at the Open University.
Reuven joined the Paz Group in 2020 as VP of Sales and Station Management.
Before joining Paz, Reuven held senior management positions in large companies in Israel including Max Stock, Electra Trade, Zoglovac Group, Tnuva, and Pelephone. Psychology studies at the Open University.
Yehonatan Gotliev
VP Business Development
Yonatan Gotliev joined the Paz group in 2019, and in 2021 was appointed the group's VP of business development. In addition, Yonatan serves as a director in several subsidiaries.
Before joining Paz, he served as a manager and senior consultant at the EY firm and also held positions at the Israel Venture Capital Fund.
Yonatan is a certified accountant and holds a bachelor's degree in law (LL.B) and accounting (B.A) from Reichman University.
Yonatan Gotliev joined the Paz group in 2019, and in 2021 was appointed the group's VP of business development. In addition, Yonatan serves as a director in several subsidiaries.
Before joining Paz, he served as a manager and senior consultant at the EY firm and also held positions at the Israel Venture Capital Fund.
Yonatan is a certified accountant and holds a bachelor's degree in law (LL.B) and accounting (B.A) from Reichman University.
Israel Klepper
Vice President of Wholesale Trade
Israel joined the Paz Group in 1981 and since then has held many management positions.
In 2010 he was appointed VP of Wholesale and Trading, then he was appointed CEO of Paz Aviation Services.
Israel Klepper holds a bachelor's degree in social sciences (B.A) from the Open University, a bachelor's degree in law (LL.B) from Shaari Mishpat, and a master's degree in business administration (MBA) from the University of Derby.
Israel joined the Paz Group in 1981 and since then has held many management positions.
In 2010 he was appointed VP of Wholesale and Trading, then he was appointed CEO of Paz Aviation Services.
Israel Klepper holds a bachelor's degree in social sciences (B.A) from the Open University, a bachelor's degree in law (LL.B) from Shaari Mishpat, and a master's degree in business administration (MBA) from the University of Derby.
Uri Kahalon
Vice President of Real Estate
Uri joined the Paz Group as VP of Real Estate in 2010 and serves as a director in subsidiaries of the group.
Before joining Paz, Uri served as deputy head of the banking division at Bank Leumi, responsible for marketing and customers in Bank Leumi's retail business line.
Also serving as a member of the board of the Leumi Card credit card company. Uri Kahlon has a degree in Business Administration (MBA).
Uri joined the Paz Group as VP of Real Estate in 2010 and serves as a director in subsidiaries of the group.
Before joining Paz, Uri served as deputy head of the banking division at Bank Leumi, responsible for marketing and customers in Bank Leumi's retail business line.
Also serving as a member of the board of the Leumi Card credit card company. Uri Kahlon has a degree in Business Administration (MBA).
Yitzhak Hamami
CEO of real estate entrepreneurship
Yitzhak joined Paz in 2023 as CEO of Paz Real Estate Enterprises.
Before joining Paz, Yitzhak served as CEO of the companies Midtown Jerusalem, and Midtown Tel Aviv, and as Chief Project Manager of the Israel Canada Group.
Yitzhak Hamami holds a master's degree in business administration from the Hebrew University of Jerusalem.
Yitzhak joined Paz in 2023 as CEO of Paz Real Estate Enterprises.
Before joining Paz, Yitzhak served as CEO of the companies Midtown Jerusalem, and Midtown Tel Aviv, and as Chief Project Manager of the Israel Canada Group.
Yitzhak Hamami holds a master's degree in business administration from the Hebrew University of Jerusalem.
Yoav Sheizaf
CEO of the supermarket chain
Yoav joined the Paz Group as CEO of the group's supermarket chain in 2022.
Before joining Paz, he served as CEO of the sales and retail trade division at Neoprem, and before that, he held other management positions.
Yoav Sheizaf holds a bachelor's degree in communication and social sciences (B.A) from Ariel University and a master's degree in political science and public administration (M.A) from Bar Ilan University.
Yoav joined the Paz Group as CEO of the group's supermarket chain in 2022.
Before joining Paz, he served as CEO of the sales and retail trade division at Neoprem, and before that, he held other management positions.
Yoav Sheizaf holds a bachelor's degree in communication and social sciences (B.A) from Ariel University and a master's degree in political science and public administration (M.A) from Bar Ilan University.
Asaf Ofer
CEO of Pazgaz
Asaf joined the Paz Group in 2023 as CEO of Pazgaz.
Before joining Paz, he served as CEO of WECOM and Hot Mobile and as VP at Pelephone.
Asaf Ofer holds a bachelor's degree in economics and management and an MBA from Tel Aviv University.
Asaf joined the Paz Group in 2023 as CEO of Pazgaz.
Before joining Paz, he served as CEO of WECOM and Hot Mobile and as VP at Pelephone.
Asaf Ofer holds a bachelor's degree in economics and management and an MBA from Tel Aviv University.
Galit Tuchterman
Head of communications and spoke person
Galit joined Paz as head of communications and spokespersons in 2020.
Before joining Paz, she served for many years as a member of the board and head of communications and spokespersons at Cellcom.
Galit graduated with certificate studies in financial management and financial reports, marketing, and investment portfolio management.
Galit joined Paz as head of communications and spokespersons in 2020.
Before joining Paz, she served for many years as a member of the board and head of communications and spokespersons at Cellcom.
Galit graduated with certificate studies in financial management and financial reports, marketing, and investment portfolio management.
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