---
title: "Alliance Risk vs At-Bay"
description: "Comparing Alliance Risk and At-Bay when a software contract includes service credits and the company is considering managed cyber protection."
canonical: "https://spot.insure/compare/alliance-risk-vs-at-bay"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "Alliance Risk", "At-Bay"]
---

[Human-readable page](https://spot.insure/compare/alliance-risk-vs-at-bay)

# Alliance Risk vs At-Bay

Comparing Alliance Risk and At-Bay when a software contract includes service credits and the company is considering managed cyber protection.

## Research Scope and Use

Use this comparison to evaluate Alliance Risk and At-Bay against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business.

This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact.

For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents.

## Highlights

Alliance Risk offers broker-led technology E&O review. At-Bay markets combined technology E&O/cyber and specialist excess coverage, alongside Stance services whose embedded fee and optional MDR purchase are distinct from insurance premium. [10](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") [13](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [18](https://www.at-bay.com/stance/ "At-Bay Stance")



## Introduction

A software vendor negotiating service credits for outages needs to understand the liability wording as well as the cybersecurity proposal. At-Bay’s technology E&O page expressly discusses service credits and combines professional liability with cyber protection. Alliance Risk offers contract-informed E&O review across specialist markets. This is a comparison between a particular product proposition and the broker work needed to test it against the vendor’s obligations. [13](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [10](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance")

## Documented Provider Strengths

### Alliance Risk

- Technology focus from pre-seed through IPO [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") (Evidence: Company-reported; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.)
- No-charge technology E&O policy review [10](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") (Evidence: Company-reported; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.)

### At-Bay

- Tech E&O combines professional liability and cyber protection. [13](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") (Evidence: Company-reported; scope: Product highlights, not an issued policy or universal contract coverage.; verified: 2026-09-16.)
- Stance pairs eligible policies with monitoring, training and cyber advisors; MDR costs extra. [18](https://www.at-bay.com/stance/ "At-Bay Stance") (Evidence: Company-reported; scope: Current service descriptions and footnotes; no claims of effectiveness or independent testing.; verified: 2026-09-16.)

## Coverage Comparison

| Coverage Type | Alliance Risk | At-Bay |
| --- | --- | --- |
| Builders risk | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Business owner’s policy | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Cargo and transit | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Commercial auto | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Commercial property | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Crime | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Cyber liability | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [14](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") |
| Directors and officers | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Employment practices liability | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Equipment breakdown | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Fiduciary liability | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| General liability | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Intellectual property | Listed [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") | Not listed |
| Key person | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Liquor liability | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Management liability | Listed [11](https://joinalliancerisk.com/management-liability-insurance/ "Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together") | Not listed |
| Media liability | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Product liability | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Product recall | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Professional liability / E&O | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [15](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") |
| Technology errors and omissions | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [13](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") |
| Tools, equipment and inland marine | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Umbrella and excess liability | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [13](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [14](https://www.at-bay.com/insurance/cyber/ "Cyber Insurance") |
| Workers’ compensation | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |

Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees.

This is a service offered by the publisher, separate from the provider research.

## Key Differences Between Alliance Risk and At-Bay

### Test the Service-Credit Wording Against the Contract

At-Bay describes service credits issued to settle a claim as payable damages, subject to policy terms. That is not a promise to reimburse every routine customer credit or contractual performance guarantee. Alliance Risk asks for major client contracts and customer concentration as part of its technology submission. Ask the reviewing broker to identify the trigger, exclusions and treatment of credits in the actual form, including circumstances that fall outside a claim. [13](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [10](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance")

At-Bay’s current product appetite has broader ceilings than its broker-platform route. A quote that does not fit the online path is therefore not automatically outside every At-Bay option. Its accessible older appetite PDF also has different ceilings and restricted classes, including autonomous AI; the reviewed public documentation does not treat that document as current acceptance guidance. An AI-enabled vendor needs an underwriting answer tied to the current version. [13](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [17](https://www.at-bay.com/brokers/platform/ "Broker Platform") [23](https://www.at-bay.com/wp-content/uploads/2021/05/At-Bay-Tech-EO-Appetite-Guide-2022.pdf "At-Bay Surplus Tech E&O Appetite Guide")

### Price the Security Agreement Separately

At-Bay Stance access is tied to an Embedded Security Fee and Endorsement. Optional managed detection and response is a separate purchase from At-Bay Security, LLC and is not required simply to buy insurance. Alliance Risk’s published review service does not establish an equivalent security subscription. Compare insurance premium, embedded services and optional monitoring costs as separate items. [18](https://www.at-bay.com/stance/ "At-Bay Stance") [10](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance")

For a company already using a managed security provider, ask whether services overlap, what integrations are required and whether any advertised credit or enhancement has qualifying conditions. A second monitoring contract is useful only if its duties and incident escalation are understood; product marketing alone does not establish that the company can retire an existing control.

### Current Paper and Notice Matter More Than Historical Announcements

At-Bay’s 2023 announcement identifies its own specialty insurer for eligible new cyber and technology E&O business at that time. It does not establish the issuer on today’s California quote or the current MPL insurer. Alliance Risk’s carrier for this buyer is likewise not named in its general materials. Obtain the legal insurer, admitted or surplus-lines route and forms before comparing policy commitments. [22](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/ "At-Bay Begins Issuing Policies on its own E&S Paper") [15](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance")

At-Bay publishes an incident roadmap involving its claims team, breach coach and response partners. Alliance Risk’s public broker-claims scope remains unresolved. Clarify notice and consent requirements for an active cyber incident versus a non-cyber software claim; a service-credit dispute should not automatically be sent down the same operational path as ransomware. [19](https://www.at-bay.com/claims/ "Claims Handling") [20](https://www.at-bay.com/security/response-recovery/ "Response & Recovery") [7](https://joinalliancerisk.com/contact-us/ "Contact Us") [3](https://joinalliancerisk.com/terms-conditions/ "Terms & Conditions")

## What to Confirm in Quotes

- When do customer service credits count as covered damages, and what contract promises remain outside the form?
- Does the business fit current underwriting appetite or need manual review beyond the broker platform?
- What embedded fee, optional MDR agreement and broker charges apply, and which services duplicate existing security arrangements?
- Which current insurer accepts the California risk, and who receives cyber and non-cyber claim notices?



## Service Comparison

Alliance Risk vs At-Bay: documented services and availability.

| Criteria | Alliance Risk | At-Bay |
| --- | --- | --- |
| Application process | The quote page starts with a contact request for company, website, contact details and a message. It advertises a free, no-obligation quote; the visible form does not provide a bindable offer. [6](https://joinalliancerisk.com/get-a-quote/ "Get a Quote") (Evidence: Company-reported; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.)<br><br>For technology E&O, Alliance Risk requests service details, revenue, employee count, major client contracts, existing coverage, five-year claims history and customer concentration. It says it reviews the current program and approaches specialist carriers. [10](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") (Evidence: Company-reported; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.)<br><br>The general quote page advertises a quote within 24 hours, while the technology page gives 48–72 hours for standard software risks and five to ten business days for hardware, fintech, healthtech and AI. Treat timing as company estimates, not a binding deadline. [6](https://joinalliancerisk.com/get-a-quote/ "Get a Quote") [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") (Evidence: Conflicting sources; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.) | At-Bay describes a broker workflow of completing an application, adjusting limits and retentions, reviewing documents, selecting an effective date, and satisfying contingencies and signature requirements before binding. Brokers can also email submissions to underwriting. An online quote is not itself bound coverage. [17](https://www.at-bay.com/brokers/platform/ "Broker Platform") [15](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") (Evidence: Company-reported; scope: Public broker workflow; no application submitted and no speed guarantee inferred.; verified: 2026-09-16.) |
| Access to insurers | Alliance Risk reports using admitted and excess-and-surplus-lines markets for startups. The reviewed technology, quote and legal pages do not identify the insurer that would issue a California buyer’s policy. [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") [6](https://joinalliancerisk.com/get-a-quote/ "Get a Quote") [3](https://joinalliancerisk.com/terms-conditions/ "Terms & Conditions") (Evidence: Company-reported; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.) | At-Bay announced in August 2023 that eligible new E&S Cyber and Tech E&O business would be quoted on At-Bay Specialty Insurance Company paper. That historical announcement does not identify the insurer on a current California quote or establish the issuer for MPL. [22](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/ "At-Bay Begins Issuing Policies on its own E&S Paper") (Evidence: Company-reported; scope: Historical announcement effective August 7, 2023; no buyer-specific policy reviewed.; verified: 2026-09-16.)<br><br>The current MPL product page does not name its issuing insurer. A September 2023 announcement names United Specialty Company for MPL, but that historical reference is insufficient to establish the current contracting insurer or California placement. [15](https://www.at-bay.com/insurance/mpl/ "MPL Insurance: Coverage Highlights & Appetite") [24](https://www.at-bay.com/press_releases/at-bay-doubles-mpl/ "At-Bay Doubles Miscellaneous Professional Liability Appetite") (Evidence: Not found in reviewed sources; scope: Current issuer not established; preserve source spelling without converting historical brand wording into a verified legal-entity record.; verified: 2026-09-16.) |
| Servicing and renewals | Alliance Risk offers a no-charge review of existing technology E&O policies, including gaps, retroactive dates and market alternatives. This is a company-described service, not evidence of review quality. [10](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") (Evidence: Company-reported; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.)<br><br>Alliance Risk advertises online program access and 24/7 support. Its contact page lists weekday telephone hours of 9am–6pm EST; an after-hours response commitment and renewal timetable were not established in those pages. [8](https://joinalliancerisk.com/ "All In One Insurance Risk Advisory to Protect Your Business") [7](https://joinalliancerisk.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.) | At-Bay Stance offers vulnerability monitoring, fraud defense, employee security training and access to cyber advisors. Access is tied to the policy’s Embedded Security Fee and Endorsement; optional managed detection and response (MDR) is a separate purchase from At-Bay Security, LLC. [18](https://www.at-bay.com/stance/ "At-Bay Stance") (Evidence: Company-reported; scope: Current service descriptions and footnotes; no claims of effectiveness or independent testing.; verified: 2026-09-16.)<br><br>At-Bay markets Stance MDR for endpoints and email, plus managed extended detection and response (MXDR) spanning endpoint, email, identity and cloud. It says MDR is optional for insurance and available beyond its policyholders. Coverage enhancements and premium credits have qualifying conditions. [18](https://www.at-bay.com/stance/ "At-Bay Stance") (Evidence: Company-reported; scope: Security services, not additional insurance coverage lines; comparable approved solutions may also qualify.; verified: 2026-09-16.)<br><br>At-Bay describes broker dashboard access to active policies and renewals, with rapid and manual renewal paths. Its platform page says rapid renewals bind automatically 15 days before expiry; buyers should confirm enrollment, terms and change deadlines with their broker. [17](https://www.at-bay.com/brokers/platform/ "Broker Platform") (Evidence: Company-reported; scope: Company-described workflow; no promise of unchanged renewal price or terms.; verified: 2026-09-16.) |
| Fees and compensation | Alliance Risk’s terms allow service, installment, cancellation and flat fees, and fees or commissions from insurers or other third parties. The terms do not state amounts or commission rates. A free quote does not establish free ongoing service. [3](https://joinalliancerisk.com/terms-conditions/ "Terms & Conditions") [6](https://joinalliancerisk.com/get-a-quote/ "Get a Quote") (Evidence: Company-reported; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.) | Stance access uses an Embedded Security Fee and Endorsement, while MDR is separately purchased. Security costs should be distinguished from the insurance premium and any broker charges. [18](https://www.at-bay.com/stance/ "At-Bay Stance") (Evidence: Company-reported; scope: Does not describe included security as free or quote an unverified fee amount.; verified: 2026-09-16.)<br><br>Commission rates, broker compensation arrangements and a complete placement-fee schedule were not disclosed in the reviewed product, platform and US terms pages. This does not establish that commissions or fees are absent; request an itemized quote and compensation disclosure. [13](https://www.at-bay.com/insurance/tech-eo/ "Tech E&O Insurance Coverage and Policy Highlights") [17](https://www.at-bay.com/brokers/platform/ "Broker Platform") [21](https://www.at-bay.com/terms-of-service/ "Terms of Service") (Evidence: Not publicly disclosed; scope: Scoped review of listed public pages on September 16, 2026; not a site-wide or contractual finding.; verified: 2026-09-16.) |

## Related Reading

- [What Is Alliance Risk?](https://spot.insure/insurance-providers/alliance-risk)
- [What Is At-Bay Insurance?](https://spot.insure/insurance-providers/at-bay)

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## Sources

### [Alliance Risk Official Website](https://joinalliancerisk.com/)

1. [Technology Insurance](https://joinalliancerisk.com/technology-insurance/). Alliance Risk; What is Technology Insurance?; Types of Technology; Types of Coverage; startup placement introduction; quote documents and process. Accessed 2026-09-16.
2. [About Us](https://joinalliancerisk.com/about-us/). Alliance Risk; Our Story. Accessed 2026-09-16.
3. [Terms & Conditions](https://joinalliancerisk.com/terms-conditions/). Alliance Risk; Sections 1, 4, 5, 17 and 18; last updated October 30, 2024. Accessed 2026-09-16.
4. [Privacy Policy](https://joinalliancerisk.com/privacy-policy/). Alliance Risk; Sections 1, 4, 5 and 13; revised October 30, 2024. Accessed 2026-09-16.
5. [Insurance Licenses](https://joinalliancerisk.com/insurance-licenses/). Alliance Risk; CA entry; site footer producer trade name and NPN. Accessed 2026-09-16.
6. [Get a Quote](https://joinalliancerisk.com/get-a-quote/). Alliance Risk; Request form; Why Alliance Risk?; Prefer to Call?. Accessed 2026-09-16.
7. [Contact Us](https://joinalliancerisk.com/contact-us/). Alliance Risk; Talk to an Expert; Prefer to Call?. Accessed 2026-09-16.
8. [All In One Insurance Risk Advisory to Protect Your Business](https://joinalliancerisk.com/). Alliance Risk; Why Us?; footer brokerage disclosure. Accessed 2026-09-16.
9. [Alliance Products](https://joinalliancerisk.com/coverages/). Alliance Risk; Coverages product cards, from Accountant Professional Liability through Wrap-Up Insurance. Accessed 2026-09-16.
10. [Tech E&O Insurance](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/). Alliance Risk; Opening placement description; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review. Accessed 2026-09-16.
11. [Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together](https://joinalliancerisk.com/management-liability-insurance/). Alliance Risk; Closing offer to recommend a package or standalone approach; three core lines. Accessed 2026-09-16.

### [At-Bay Official Website](https://www.at-bay.com/)

12. [Cyber, Tech E&O & Professional Liability Insurance](https://www.at-bay.com/insurance/). At-Bay; Product cards and agency disclosure. Accessed 2026-09-16.
13. [Tech E&O Insurance Coverage and Policy Highlights](https://www.at-bay.com/insurance/tech-eo/). At-Bay; Tech E&O Coverage Highlights; Primary & Excess Appetite; footnotes 1–7; state disclaimer. Accessed 2026-09-16.
14. [Cyber Insurance](https://www.at-bay.com/insurance/cyber/). At-Bay; Cyber Coverage Highlights; Primary & Excess Appetite. Accessed 2026-09-16.
15. [MPL Insurance: Coverage Highlights & Appetite](https://www.at-bay.com/insurance/mpl/). At-Bay; MPL Coverage Highlights; MPL Appetite; state restrictions. Accessed 2026-09-16.
16. [Licenses](https://www.at-bay.com/licenses/). At-Bay; Producer introduction; California row; agency and surplus-lines footer. Accessed 2026-09-16.
17. [Broker Platform](https://www.at-bay.com/brokers/platform/). At-Bay; How it works: Create a quote, Customize your quote, Bind your policy, Manage renewals; FAQs. Accessed 2026-09-16.
18. [At-Bay Stance](https://www.at-bay.com/stance/). At-Bay; Real Protection Against Real Threats; Endpoint, Email, MXDR; footnotes 1 and 3–6. Accessed 2026-09-16.
19. [Claims Handling](https://www.at-bay.com/claims/). At-Bay; At-Bay Cyber Incident Roadmap; The At-Bay Claims Team. Accessed 2026-09-16.
20. [Response & Recovery](https://www.at-bay.com/security/response-recovery/). At-Bay; Minimize Downtime with One Partner; integration with claims process. Accessed 2026-09-16.
21. [Terms of Service](https://www.at-bay.com/terms-of-service/). At-Bay; US terms effective April 11, 2023: Insurance Product Terms; Payment Policy; Service. Accessed 2026-09-16.
22. [At-Bay Begins Issuing Policies on its own E&S Paper](https://www.at-bay.com/press_releases/at-bay-begins-issuing-policies-on-its-own-paper/). At-Bay; August 9, 2023 release: opening paragraph and new-business transition effective August 7, 2023. Accessed 2026-09-16.
23. [At-Bay Surplus Tech E&O Appetite Guide](https://www.at-bay.com/wp-content/uploads/2021/05/At-Bay-Tech-EO-Appetite-Guide-2022.pdf). At-Bay; Pages 1–2; September 2023 copyright; revenue and limit statements; Restricted classes. Accessed 2026-09-16.
24. [At-Bay Doubles Miscellaneous Professional Liability Appetite](https://www.at-bay.com/press_releases/at-bay-doubles-mpl/). At-Bay; September 28, 2023 release: final paragraph before Media Contacts. Accessed 2026-09-16.

Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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