{"id":641,"date":"2026-01-23T21:40:58","date_gmt":"2026-01-23T21:40:58","guid":{"rendered":"https:\/\/beemaguide.com\/home-page\/?p=641"},"modified":"2026-01-23T21:47:01","modified_gmt":"2026-01-23T21:47:01","slug":"electronic-claims-file-ecf2-in-the-london-market-systems-roles-and-claims-journey","status":"publish","type":"post","link":"https:\/\/beemaguide.com\/home-page\/electronic-claims-file-ecf2-in-the-london-market-systems-roles-and-claims-journey\/","title":{"rendered":"Electronic Claims File (ECF2) in the London Market: Systems, Roles and Claims Journey"},"content":{"rendered":"\n<p class=\"\">The London insurance market today runs on electronic claims rails. At the heart of that network sits the Electronic Claims File (ECF2). Understanding how ECF2, CLASS, IMR and the London Market&#8217;s key bodies\u2014Lloyd&#8217;s, the IUA and DXC\u2014work together is essential for anyone working in London Market claims or operations. This guide takes you through the entire ecosystem step-by-step. Along the way, you&#8217;ll find real-world examples and a comprehensive glossary. Even newcomers can follow the full London Market electronic claims journey.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"575\" src=\"https:\/\/beemaguide.com\/wp-content\/uploads\/2026\/01\/generated-image-2-1024x575.jpg\" alt=\"\" class=\"wp-image-654\" srcset=\"https:\/\/beemaguide.com\/wp-content\/uploads\/2026\/01\/generated-image-2-980x550.jpg 980w, https:\/\/beemaguide.com\/wp-content\/uploads\/2026\/01\/generated-image-2-480x270.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"1-the-london-market-claims-ecosystem\">The London Market Claims Ecosystem<\/h2>\n\n\n\n<p class=\"\">The London Market is a specialist, wholesale insurance hub where complex and large commercial risks are placed with multiple insurers on a subscription basis. Understanding the Electronic Claims File (ECF2) in the London Market is critical for claims professionals. Claims in this environment must co-ordinate many parties\u2014policyholders, brokers, Lloyd&#8217;s syndicates, company-market insurers, and central service providers\u2014using shared processes and the Electronic Claims File (ECF2) as the central coordination platform.<\/p>\n\n\n\n<p class=\"\">1.1 Core participants<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">Policyholder and local\/retail broker: The insured and their local advisor who first spot the loss and notify London.<\/li>\n\n\n\n<li class=\"\">London Market broker: Specialist intermediary placing and servicing the London subscription risk, responsible for creating and maintaining the electronic claim.<\/li>\n\n\n\n<li class=\"\">Lead and following insurers: Lloyd\u2019s syndicates and\/or company\u2011market insurers subscribing to the risk, with the Lead usually given authority to agree claims under a claims scheme.<a href=\"https:\/\/assets.lloyds.com\/media\/637c6a23-ddc0-45cc-a285-6bbfddd58b11\/Open-market-Claims-journey.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\">Central services and utilities: DXC (including former Xchanging operations), Velonetic, and market bodies such as Lloyd\u2019s and the IUA provide shared processing, rules and platforms.<a href=\"https:\/\/www.genasystech.com\/london-market-blueprint-two-history\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Why electronic claims matter<\/h2>\n\n\n\n<p class=\"\">Historically, London Market claims ran on paper files carried around Lime Street. The process was slow, opaque, and prone to data errors. To address these issues, the market introduced ECF and ECF2. These systems standardise and digitise the claim file. Now, all subscribing markets see the same information and agreement status in one place.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">With that context in place, it&#8217;s important to understand what ECF and ECF2 actually are and how they function in practice.What the Electronic Claims File (ECF) and ECF2 Actually Are<\/h2>\n\n\n\n<p class=\"\">At the foundation of Electronic Claims File (ECF2) in the London Market is a two-layer architecture. ECF is the core electronic claims environment that combines IMR and CLASS. ECF2 is the enhanced modern generation that Lloyd&#8217;s and company-market carriers use across the London Market for streamlined claims management. Understanding how these components fit together within the Electronic Claims File (ECF2) ecosystem is the critical first step.<a href=\"https:\/\/www.lmtraining.co.uk\/glossary\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">ECF: The basic concept<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">ECF (Electronic Claims File) is an integrated service at the core of the Electronic Claims File (ECF2) in the London Market that combines the Insurers&#8217; Market Repository (IMR) and CLASS (Claims Loss Advice and Settlement System) to allow claims to be handled electronically.<a href=\"https:\/\/www.ecfinfo.com\/training\/about\/ecf-imr-ecf-2comms\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\">Brokers load claim data into CLASS and documents into the IMR; ECF presents this as a single electronic claim file to insurers, linked via references like UMR and UCR.<a href=\"https:\/\/www.ecfinfo.com\/wp-content\/uploads\/2013\/06\/Companies-Systems-Processes-and-Procedures-v3-0_.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"\"><strong>Example (market\u2011style):<\/strong><br>A London Market broker handling a global property programme at Lloyd\u2019s creates a claim entry in CLASS, uploads the slip, wording, loss notice and adjuster\u2019s report to the IMR, and ECF then shows a unified claim file to the Lead and following syndicates.<a rel=\"noreferrer noopener\" target=\"_blank\" href=\"https:\/\/etherintroductions.com\/london-market-claims-overview\/\"><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">ECF2: The enhanced environment<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">ECF2 is the enhanced version of the Electronic Claims File, giving Lloyd\u2019s and IUA carriers a single, central interface to review and respond to claims electronically.<a href=\"https:\/\/www.ecfinfo.com\/wp-content\/uploads\/2018\/10\/Lloyds-SPP-Final-2016.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\">It adds improved access, workflow components, and integration features such as richer document views, improved agreement screens and workflow triggers.<a href=\"https:\/\/www.ecfinfo.com\/glossary\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"\"><strong>Key point:<\/strong>\u00a0ECF2 does not replace CLASS or IMR; it orchestrates and surfaces them more efficiently under one umbrella, whileThis architecture makes Electronic Claims File (ECF2) in the London Market an essential tool for efficient claim processing and agreement management. still relying on those core components.<a href=\"https:\/\/www.ecfinfo.com\/training\/about\/ecf-imr-ecf-2comms\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a>\u200b<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"3-ecf2-components-and-surrounding-systems\">ECF vs ECF2: Quick Comparison<\/h2>\n\n\n\n<p class=\"\">Below is a quick reference table comparing ECF and ECF2 to help you understand the key differences and improvements between the two versions of Electronic Claims File (ECF2) in the London Market, and how the enhanced Electronic Claims File (ECF2) improves upon the original ECF.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Aspect<\/th><th>ECF<\/th><th>ECF2<\/th><\/tr><\/thead><tbody><tr><td>Interface<\/td><td>Basic electronic file<\/td><td>Single, central carrier interface<\/td><\/tr><tr><td>User Experience<\/td><td>Manual processes<\/td><td>Improved workflow features<\/td><\/tr><tr><td>Document Access<\/td><td>Linked via references<\/td><td>Richer document views<\/td><\/tr><tr><td>Agreement Screens<\/td><td>Standard<\/td><td>Improved screens<\/td><\/tr><tr><td>Workflow Triggers<\/td><td>Limited<\/td><td>Claims Workflow Triggers (CWT)<\/td><\/tr><tr><td>Integration<\/td><td>Separate systems<\/td><td>More integrated orchestration<\/td><\/tr><tr><td>Adoption<\/td><td>Partial<\/td><td>Full London Market (post-July 2024)<br><br><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p id=\"3-ecf2-components-and-surrounding-systems\" class=\"\">ECF2 Components And Surrounding Systems in the London Market<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">IMR \u2013 Insurers\u2019 Market Repository<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">IMR is the central electronic document repository for the London Market, storing placing and claims documentation.<a href=\"https:\/\/www.lmtraining.co.uk\/glossary\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\">Documents are stored at UMR level for placing information and at UCR level for claim\u2011specific information, and are linked into the ECF claim view.<a href=\"https:\/\/www.ecfinfo.com\/glossary\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">CLASS \u2013 Claims Loss Advice and Settlement System<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">CLASS is the system used by brokers to submit claims and subsequent transactions (e.g. advice, settlement, amendment) to the bureau for processing.<a href=\"https:\/\/www.ecfinfo.com\/wp-content\/uploads\/2018\/10\/Lloyds-SPP-Final-2016.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\">It holds structured data (reserves, claim amounts, dates, parties), which ECF2 uses to drive the electronic claim and which DXC uses to generate bureau accounting and settlement messages.<a href=\"https:\/\/www.ecfinfo.com\/wp-content\/uploads\/2013\/06\/Companies-Systems-Processes-and-Procedures-v3-0_.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">ECF2 workflow and triggers<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">ECF2 exposes claims as \u201cwork items\u201d for carriers and produces Claims Workflow Triggers (CWT) that internal carrier systems can consume.<a href=\"http:\/\/www.ecfinfo.com\/wp-content\/uploads\/2018\/03\/DEL180-Notify-User-Guide-v3.14.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\">Standardised events include new claim advices, updates, deletions, completion and changes to agreement responsibilities, allowing carriers\u2019 own workflows to update automatically.<a href=\"https:\/\/www.velonetic.co.uk\/sites\/default\/files\/2024-04\/CWT%20(Claims%20Workflow%20Triggers)%20v3.14.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Central processing \u2013 DXC and Velonetic<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">DXC Technology (incorporating the former Xchanging Ins\u2011Sure Services and Xchanging Claims Services) delivers core London Market back\u2011office processing for policies, premiums and claims.<a href=\"https:\/\/dxc.com\/newsroom\/05262022\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\">Velonetic, jointly owned by DXC, Lloyd\u2019s and the IUA, is responsible for the new joint venture platforms that underpin Blueprint Two digital services for premium and claims processing.<a href=\"https:\/\/dxc.com\/insights\/knowledge-base\/blogs\/the-promise-of-blueprint-two\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"4-the-ecf2-claims-journey-stepbystep\">Now that you understand the components and systems involved in ECF2, let&#8217;s walk through how the Electronic Claims File (ECF2) in the London Market processes a typical claim from notification through settlement. Understanding this Electronic Claims File (ECF2) journey is essential for London Market claims professionals.<\/h2>\n\n\n\n<p class=\"\">This section walks through the typical journey of a subscription open\u2011market claim using ECF2, drawing on the standard open\u2011market claims model.<a rel=\"noreferrer noopener\" target=\"_blank\" href=\"https:\/\/assets.lloyds.com\/media\/637c6a23-ddc0-45cc-a285-6bbfddd58b11\/Open-market-Claims-journey.pdf\"><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1 \u2013 First Notification And Claim Creation<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li class=\"\">Policyholder notifies the local\/retail broker of a loss (for example, a US manufacturer with a products liability claim).<a href=\"https:\/\/www.amwins.com\/resources-and-insights\/market-insights\/article\/insurance-claims-at-lloyd's-how-does-it-work\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\">The London Market broker gathers details and confirms coverage under the relevant UMR (Unique Market Reference) for the London subscription policy.<a href=\"https:\/\/www.ecfinfo.com\/glossary\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\">The broker creates a CLASS entry for the claim, generating a UCR (Unique Claims Reference) and populating key data (cause of loss, date, reserves, insured details).<a href=\"https:\/\/www.ecfinfo.com\/wp-content\/uploads\/2013\/06\/Companies-Systems-Processes-and-Procedures-v3-0_.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\">Placing documents (slip, schedule, wording) are loaded to the IMR at UMR level; claim documents (loss notice, expert reports, correspondence) are loaded at UCR level.<a href=\"https:\/\/www.ecfinfo.com\/training\/about\/ecf-imr-ecf-2comms\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n<\/ol>\n\n\n\n<p class=\"\">At this point, ECF2 can display a complete electronic claim file, combining CLASS data and IMR documents, ready for insurers to review.<a rel=\"noreferrer noopener\" target=\"_blank\" href=\"https:\/\/www.ecfinfo.com\/training\/about\/ecf-imr-ecf-2comms\/\"><\/a>\u200b<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2 \u2013 Establishment Of Agreement Parties<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">The applicable claims scheme (e.g. Lloyd\u2019s Claims Scheme or SCAP) and the contract determine who the agreement parties are: Lead, second Lead, XCS or additional agreement parties (CAPs).<a href=\"https:\/\/etherintroductions.com\/london-market-claims-overview\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\">ECF2 identifies the relevant agreement parties from the subscription details and presents work items to those parties for response.<a href=\"https:\/\/www.ecfinfo.com\/wp-content\/uploads\/2013\/06\/Companies-Systems-Processes-and-Procedures-v3-0_.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"\">In a typical Lloyd\u2019s open\u2011market risk, the Lead syndicate is the primary CAP empowered to agree or query claims on behalf of followers under the scheme, simplifying the process.<a rel=\"noreferrer noopener\" target=\"_blank\" href=\"https:\/\/assets.lloyds.com\/media\/637c6a23-ddc0-45cc-a285-6bbfddd58b11\/Open-market-Claims-journey.pdf\"><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3 \u2013 Consideration Of The Claim<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">The Lead and any other CAPs access the claim via ECF2 (directly or via internal claim systems consuming CWT messages).<a href=\"http:\/\/www.ecfinfo.com\/wp-content\/uploads\/2018\/03\/DEL180-Notify-User-Guide-v3.14.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\">They review documents, set or adjust case reserves, raise queries with the broker, and record agreement or disagreement to the specific transaction in the claim.<a href=\"https:\/\/www.ecfinfo.com\/wp-content\/uploads\/2018\/10\/Lloyds-SPP-Final-2016.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\">Queries and responses form an audit trail visible within the electronic file, improving transparency and governance.<a href=\"https:\/\/assets.lloyds.com\/media\/637c6a23-ddc0-45cc-a285-6bbfddd58b11\/Open-market-Claims-journey.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"\"><strong>Example (real\u2011world style):<\/strong><br>A Lead Lloyd\u2019s marine syndicate reviews a hull damage claim file: surveyor\u2019s report, repair estimates and policy wording are all stored under the UCR in the IMR; the adjuster confirms that the loss is covered subject to deductible and posts \u201cagree \u2013 pay 75% of repair cost less deductible\u201d in ECF2.<a rel=\"noreferrer noopener\" target=\"_blank\" href=\"https:\/\/www.ecfinfo.com\/training\/about\/ecf-imr-ecf-2comms\/\"><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4 \u2013 Bureau Processing Of CLASS Transactions<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">Once agreement requirements are satisfied, the broker\u2019s CLASS transaction is processed via DXC\u2019s central services.<a href=\"https:\/\/assets.lloyds.com\/media\/637c6a23-ddc0-45cc-a285-6bbfddd58b11\/Open-market-Claims-journey.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\">DXC validates data, applies market rules, and generates bureau accounting messages and outputs (such as Underwriters\u2019 Signing Messages, or USM) for the subscribing syndicates and companies.<a href=\"https:\/\/dxc.com\/newsroom\/05262022\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"\">The integrity of data captured in CLASS and ECF2 is critical here, because it directly drives the financial postings and settlement flows.<a rel=\"noreferrer noopener\" target=\"_blank\" href=\"https:\/\/www.ecfinfo.com\/wp-content\/uploads\/2018\/10\/Lloyds-SPP-Final-2016.pdf\"><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">5 \u2013 Insurer Records And Settlement<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">Individual insurer records are updated (often automatically via interfaces using EDI or ACORD\u2011type messages), and settlements are processed by DXC on behalf of the market.<a href=\"https:\/\/www.insuranceinsider.com\/article\/2c8m73gdlplwpj7nh65ts\/london-market-section\/analysis-lloyds-marks-1-july-2024-as-critical-date-in-blueprint-two-timeline\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\">Funds move from central settlement accounts to brokers and then to policyholders, closing the chain that began at notification.<a href=\"https:\/\/etherintroductions.com\/london-market-claims-overview\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"\">For delegated authority or TPA arrangements, bordereaux and loss funds may be involved, but the core principle is the same: ECF2 sits at the centre of the record of agreement for bureau claims.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Behind every ECF2 transaction lies a network of key market bodies that define standards, rules and operational frameworks. Understanding their roles helps explain how ECF2 integrates across the London Market.<\/h2>\n\n\n\n<h2 class=\"wp-block-heading\">Roles Of Key Market Bodies Around ECF2<\/h2>\n\n\n\n<h2 class=\"wp-block-heading\">Lloyd\u2019s<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">Lloyd\u2019s provides the framework for the Lloyd\u2019s market, including central oversight, market rules and the Lloyd\u2019s Claims Scheme that underpins Lead\/follow claims agreement.<a href=\"https:\/\/www.lloyds.com\/about-lloyds\/join-lloyds-market\/underwriter\/understanding-our-marketplace\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\">It works with DXC, Velonetic and the market to deliver the Blueprint Two programme, which changes how central services for premium and claims are delivered and integrated.<a href=\"https:\/\/www.velonetic.co.uk\/sites\/default\/files\/2023-11\/Phase%20One%20Digital%20Adoption%20Guide%20v2.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">IUA \u2013 International Underwriting Association<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">The IUA represents international and wholesale company\u2011market insurers in London and is a shareholder in the joint venture delivering new digital services.<a href=\"https:\/\/www.iua.co.uk\/IUA_Member\/IUANew\/Digital_Transformation.aspx\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\">It co\u2011ordinates with Lloyd\u2019s, LMA and LIIBA on electronic processing, standards and reform initiatives affecting company\u2011market participants in ECF2 and future platforms.<a href=\"https:\/\/dxc.com\/insights\/knowledge-base\/blogs\/the-promise-of-blueprint-two\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">LMA, LIIBA And LMG<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">LMA (Lloyd\u2019s Market Association) represents managing agents and syndicates, including on claims, wordings and market processes.<a href=\"https:\/\/thelondoninsurancemarket.com\/how-london-works\/glossary\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\">LIIBA (London &amp; International Insurance Brokers\u2019 Association) represents London Market brokers, providing input to reforms that affect broker workflows and ECF usage.<a href=\"https:\/\/thelondoninsurancemarket.com\/how-london-works\/glossary\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a>\u200b<\/li>\n\n\n\n<li class=\"\">LMG (London Market Group) brings these stakeholder bodies together to drive collective modernisation, notably via the Blueprint Two programme.<a href=\"https:\/\/www.genasystech.com\/london-market-blueprint-two-history\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"6-blueprint-two-and-the-future-of-ecf2\">Blueprint Two And The Future Of ECF2<\/h2>\n\n\n\n<p class=\"\">Blueprint Two is the London Market\u2019s multi\u2011year programme to replace legacy central services with modern, data\u2011driven digital solutions. ECF2 sits alongside this transition and will ultimately interoperate with new back\u2011office platforms and message standards.<a rel=\"noreferrer noopener\" target=\"_blank\" href=\"https:\/\/www.velonetic.co.uk\/sites\/default\/files\/2023-11\/Phase%20One%20Digital%20Adoption%20Guide%20v2.pdf\"><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Phase\u2011one digital services<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">From 1 July 2024, all London Market firms have been required to use phase\u2011one digital services to continue trading, covering premium and claims processing for open\u2011market and delegated authority business.<a href=\"https:\/\/www.insuranceinsider.com\/article\/2c8m73gdlplwpj7nh65ts\/london-market-section\/analysis-lloyds-marks-1-july-2024-as-critical-date-in-blueprint-two-timeline\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\">These services introduce new messaging approaches (e.g. ACORD\u2011based Ebot\/Ecot) and a digital gateway that checks that data is complete and fit for straight\u2011through processing.<a href=\"https:\/\/www.insuranceinsider.com\/article\/2c8m73gdlplwpj7nh65ts\/london-market-section\/analysis-lloyds-marks-1-july-2024-as-critical-date-in-blueprint-two-timeline\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Impact on claims handling<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">The direction of travel is towards higher data quality, more automation and less manual re\u2011keying, using ECF2 data and future digital gateways to drive processing.<a href=\"https:\/\/www.pwc.co.uk\/industries\/financial-services\/understanding-regulatory-developments\/lloyds-publishes-its-2024-market-oversight-plan.html\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\">Lead\/follow models and claims schemes remain central, but the technology under the hood is shifting from legacy EDI towards ACORD standards and API\u2011style connectivity.<a href=\"https:\/\/www.velonetic.co.uk\/sites\/default\/files\/2023-11\/Phase%20One%20Digital%20Adoption%20Guide%20v2.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"7-illustrative-examples-of-ecf2-in-practice\">Illustrative Examples Of ECF2 In Practice<\/h2>\n\n\n\n<p class=\"\">The following scenarios show how ECF2 works in practice for different lines of business. These are illustrative but draw on typical London Market structures.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1 Property catastrophe claim<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">A global property facultative placement led by a Lloyd\u2019s syndicate and followed by several IUA companies covers a warehouse portfolio.<a href=\"https:\/\/www.genasystech.com\/london-market-blueprint-two-history\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\">A hurricane causes major damage; the local adjuster reports a large loss to the local broker, who passes it to the London broker.<\/li>\n\n\n\n<li class=\"\">The London broker:\n<ul class=\"wp-block-list\">\n<li class=\"\">Identifies the correct UMR and creates a UCR in CLASS.<\/li>\n\n\n\n<li class=\"\">Uploads the slip, wording, schedule, CAT report and adjuster\u2019s preliminary estimate to the IMR.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li class=\"\">ECF2 shows a single claim file to the Lead syndicate and following markets, who review the documentation and agree an initial reserve.<a href=\"https:\/\/www.ecfinfo.com\/wp-content\/uploads\/2013\/06\/Companies-Systems-Processes-and-Procedures-v3-0_.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\">As the loss develops, the broker submits revised reserve and settlement transactions via CLASS, and ECF2 keeps the running audit trail of all decisions.<a href=\"https:\/\/www.ecfinfo.com\/wp-content\/uploads\/2013\/06\/Companies-Systems-Processes-and-Procedures-v3-0_.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a>\u200b<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">2 Casualty (products liability) claim<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">A US consumer products manufacturer is insured in London on a subscription basis, with a London broker and a Lloyd\u2019s Lead plus company\u2011market followers.<a href=\"https:\/\/www.genasystech.com\/london-market-blueprint-two-history\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\">A serious bodily injury claim arises in the US; the local retailer\u2019s claim goes to the manufacturer, who notifies the local broker and ultimately London.<\/li>\n\n\n\n<li class=\"\">The London broker loads the claim into CLASS and attaches pleadings, policy wording, coverage counsel opinion and reserves to the IMR.<a href=\"https:\/\/www.ecfinfo.com\/wp-content\/uploads\/2013\/06\/Companies-Systems-Processes-and-Procedures-v3-0_.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a>\u200b<\/li>\n\n\n\n<li class=\"\">The Lead casualty syndicate uses ECF2 to review coverage and quantum, agrees defence cost provisions and later settlement contributions as the litigation proceeds.<a href=\"https:\/\/assets.lloyds.com\/media\/637c6a23-ddc0-45cc-a285-6bbfddd58b11\/Open-market-Claims-journey.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">3 Delegated authority \/ TPA arrangements<\/h2>\n\n\n\n<p class=\"\">ECF2 remains the central record of agreement where the claim is processed through the bureau, even though much of the operational handling sits with the TPA.<a href=\"https:\/\/etherintroductions.com\/london-market-claims-overview\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/p>\n\n\n\n<p class=\"\">For delegated authority business (e.g. a US binding authority), a TPA handles day\u2011to\u2011day claims, often using a loss fund set up by underwriters.<a href=\"https:\/\/www.amwins.com\/resources-and-insights\/market-insights\/article\/insurance-claims-at-lloyd's-how-does-it-work\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a>\u200b<\/p>\n\n\n\n<p class=\"\">The TPA pays routine claims and reports on bordereaux; material or complex claims may still be recorded in ECF where bureau processing is needed.<\/p>\n\n\n\n<p class=\"\">9. Glossary Of Key Terms And Abbreviations<\/p>\n\n\n\n<p class=\"\">This glossary groups the main abbreviations referenced in this article. Definitions are paraphrased and condensed from recognised London Market sources.<a rel=\"noreferrer noopener\" target=\"_blank\" href=\"https:\/\/www.lmtraining.co.uk\/glossary\/\"><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Claims platforms and systems<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\"><strong>ECF \u2013 Electronic Claims File<\/strong><br>Integrated London Market service for electronic claims handling and processing delivered via the IMR and CLASS, providing a shared electronic claim file for all subscribing insurers.<a href=\"https:\/\/www.lmtraining.co.uk\/glossary\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\"><strong>ECF2 \u2013 Electronic Claims File 2<\/strong><br>Enhanced version of ECF that allows Lloyd\u2019s and company\u2011market carriers to review and respond to claims electronically from a single central system, with additional workflow and integration features.<a href=\"https:\/\/www.ecfinfo.com\/wp-content\/uploads\/2018\/10\/Lloyds-SPP-Final-2016.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\"><strong>CLASS \u2013 Claims Loss Advice and Settlement System<\/strong><br>System used primarily by brokers to create and submit claim advices and settlement transactions to bureau processing and to feed data into ECF.<a href=\"https:\/\/www.lmtraining.co.uk\/glossary\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\"><strong>IMR \u2013 Insurers\u2019 Market Repository<\/strong><br>Central electronic repository storing placing and claims documents at UMR and UCR level, integrated with ECF to provide a complete claim file.<a href=\"https:\/\/www.ecfinfo.com\/glossary\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\"><strong>CWT \u2013 Claims Workflow Triggers<\/strong><br>Structured outputs from ECF2 that signal claim events (new, update, complete, delete, etc.) to carrier workflow systems.<a href=\"https:\/\/www.velonetic.co.uk\/sites\/default\/files\/2024-04\/CWT%20(Claims%20Workflow%20Triggers)%20v3.14.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Market references and messages<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\"><strong>UMR \u2013 Unique Market Reference<\/strong><br>Unique identifier assigned to a London Market contract (often derived from broker and year codes) used to link placements, premiums and claims.<a href=\"https:\/\/www.ecfinfo.com\/glossary\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\"><strong>UCR \u2013 Unique Claims Reference<\/strong><br>Unique identifier for a claim within the bureau systems; all claim transactions for that loss reference the same UCR.<a href=\"https:\/\/www.lmtraining.co.uk\/glossary\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\"><strong>TR \u2013 Transaction Reference<\/strong><br>Reference identifying an individual premium or claim transaction within bureau processing systems such as CLASS.<a href=\"https:\/\/www.ecfinfo.com\/glossary\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\"><strong>USM \u2013 Underwriters\u2019 Signing Message<\/strong><br>Electronic message used to communicate premium signings and related information to underwriters as part of central processing.<a href=\"https:\/\/www.velonetic.co.uk\/blueprint-two\/glossary\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\"><strong>LIMCLM \u2013 London Insurance Market Claims Message<\/strong><br>Standard electronic format used to transmit claims data across London Market systems.<a href=\"https:\/\/www.ecfinfo.com\/glossary\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a>\u200b<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Market bodies and utilities<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\"><strong>Lloyd\u2019s of London (Lloyd\u2019s)<\/strong><br>Insurance and reinsurance marketplace in London made up of syndicates managed by managing agents, providing the platform and rules under which the Lloyd\u2019s market operates.<a href=\"https:\/\/www.lloyds.com\/about-lloyds\/join-lloyds-market\/underwriter\/understanding-our-marketplace\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\"><strong>IUA \u2013 International Underwriting Association (of London)<\/strong><br>Trade association representing international and wholesale insurance and reinsurance companies in the London Market, particularly the company\u2011market segment.<a href=\"https:\/\/www.iua.co.uk\/IUA_Member\/IUANew\/Digital_Transformation.aspx\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\"><strong>LMA \u2013 Lloyd\u2019s Market Association<\/strong><br>Body representing Lloyd\u2019s managing agents and syndicates, engaged in market initiatives including claims schemes and technical guidance.<a href=\"https:\/\/thelondoninsurancemarket.com\/how-london-works\/glossary\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\"><strong>LIIBA \u2013 London &amp; International Insurance Brokers\u2019 Association<\/strong><br>Association representing London Market brokers, involved in market reform, wordings, and process standardisation across placing and claims.<a href=\"https:\/\/thelondoninsurancemarket.com\/how-london-works\/glossary\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a>\u200b<\/li>\n\n\n\n<li class=\"\"><strong>LMG \u2013 London Market Group<\/strong><br>Market\u2011wide group that brings together Lloyd\u2019s, LMA, IUA and LIIBA to drive strategic initiatives like Blueprint Two.<a href=\"https:\/\/www.genasystech.com\/london-market-blueprint-two-history\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\"><strong>DXC \u2013 DXC Technology<\/strong><br>Global technology company providing London Market central processing services for premium and claims, including operations inherited from Xchanging.<a href=\"https:\/\/dxc.com\/newsroom\/05262022\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\"><strong>XIS \u2013 Xchanging Ins\u2011Sure Services<\/strong><br>Business unit historically responsible for policy and premium processing services for London Market insurers, now part of DXC.<a href=\"https:\/\/www.lmtraining.co.uk\/glossary\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\"><strong>XCS \u2013 Xchanging Claims Services<\/strong><br>Business unit responsible for central claims processing and related services for the London Market, also now within DXC.<a href=\"https:\/\/www.lmtraining.co.uk\/glossary\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\"><strong>Velonetic<\/strong><br>Joint venture owned by DXC, Lloyd\u2019s and the IUA that provides and develops the new central digital services for the London Market, including Blueprint Two platforms.<a href=\"https:\/\/www.velonetic.co.uk\/blueprint-two\/glossary\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\"><strong>LIMOSS \u2013 London Insurance Market Operations &amp; Strategic Sourcing<\/strong><br>Market utility that sources and operates shared services for the London Market and maintains resources like the Market Business Glossary.<a href=\"https:\/\/limoss.london\/market-business-glossary-mbg\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a>\u200b<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Messaging and standards<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\"><strong>EDI \u2013 Electronic Data Interchange<\/strong><br>Structured method of exchanging business documents electronically between systems in a standardised format, widely used in legacy London Market processing.<a href=\"https:\/\/www.lmtraining.co.uk\/glossary\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a>\u200b<\/li>\n\n\n\n<li class=\"\"><strong>ACORD \/ Ebot \/ Ecot<\/strong><br>ACORD is a global standards body whose messaging frameworks underpin modern London Market back\u2011office transaction (Ebot) and electronic claims office transaction (Ecot) messages used in Blueprint Two.<a href=\"https:\/\/www.velonetic.co.uk\/sites\/default\/files\/2023-11\/Phase%20One%20Digital%20Adoption%20Guide%20v2.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Claims schemes and frameworks<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\"><strong>Lloyd\u2019s Claims Scheme<\/strong><br>Framework that sets out how claims are to be handled and agreed in the Lloyd\u2019s market, including Lead\/follow arrangements and CAP roles.<a href=\"https:\/\/etherintroductions.com\/london-market-claims-overview\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\"><strong>SCAP \u2013 Single Claims Agreement Party<\/strong><br>Protocol that allows a single nominated insurer to agree claims on behalf of all subscribing insurers on certain subscription risks, simplifying agreement.<a href=\"https:\/\/assets.lloyds.com\/media\/637c6a23-ddc0-45cc-a285-6bbfddd58b11\/Open-market-Claims-journey.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\"><strong>MORF \u2013 Market Operational Resilience Framework<\/strong><br>Framework describing how the market manages operational disruptions, including procedures for claims handling when ECF2 or other systems are unavailable.<a href=\"https:\/\/assets.lloyds.com\/media\/fcfebe20-66cc-46f7-91a5-5a21cdd0966b\/MORF%20v1.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a>\u200b<\/li>\n\n\n\n<li class=\"\"><strong>Blueprint Two<\/strong><br>Lloyd\u2019s and the wider London Market\u2019s programme to modernise central processing by introducing new digital services, data standards and connectivity for premium and claims.<a href=\"https:\/\/dxc.com\/insights\/knowledge-base\/blogs\/the-promise-of-blueprint-two\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"10-references-key-public-sources\">References (Key Public Sources)<\/h2>\n\n\n\n<p class=\"\">Paraphrased information in this article draws on the following public, London\u2011Market\u2011relevant sources:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">ECF information site and glossary for ECF, IMR, CLASS, UMR, UCR and related terms.<a href=\"https:\/\/www.ecfinfo.com\/training\/about\/ecf-imr-ecf-2comms\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\">London Market training glossaries for definitions of ECF, CLASS, IMR, EDI and other technical terms.<a href=\"https:\/\/www.lmtraining.co.uk\/glossary\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a>\u200b<\/li>\n\n\n\n<li class=\"\">Lloyd\u2019s open\u2011market claims journey and systems, processes and procedures documents for the claims stages and central processing roles.<a href=\"https:\/\/www.ecfinfo.com\/wp-content\/uploads\/2018\/10\/Lloyds-SPP-Final-2016.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\">DXC and Velonetic materials for descriptions of central services and Blueprint Two digital services.<a href=\"https:\/\/dxc.com\/newsroom\/05262022\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\">London Market Group and IUA information for background on market structure, roles and reform initiatives.<a href=\"https:\/\/www.iua.co.uk\/IUA_Member\/IUANew\/Digital_Transformation.aspx\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n\n\n\n<li class=\"\">Additional commentary on London Market claims ecosystem and examples of the core claims journey.<a href=\"https:\/\/www.amwins.com\/resources-and-insights\/market-insights\/article\/insurance-claims-at-lloyd's-how-does-it-work\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"\">This article has been written in original wording, with care taken to avoid reproducing source text, while maintaining factual accuracy with citations for all technical statements.<a href=\"https:\/\/www.amwins.com\/resources-and-insights\/market-insights\/article\/insurance-claims-at-lloyd's-how-does-it-work\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The London insurance market today runs on electronic claims rails. At the heart of that network sits the Electronic Claims File (ECF2). Understanding how ECF2, CLASS, IMR and the London Market&#8217;s key bodies\u2014Lloyd&#8217;s, the IUA and DXC\u2014work together is essential for anyone working in London Market claims or operations. This guide takes you through the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":614,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[2,4,5],"tags":[],"class_list":["post-641","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","category-insurtech","category-legal"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Electronic Claims File (ECF2) in the London Market: Systems, Roles and Claims Journey - BeemaGuide<\/title>\n<meta name=\"description\" content=\"Learn how the Electronic Claims File (ECF2) works in the London Market, how CLASS and IMR fit together, and how Lloyd&#039;s, IUA and DXC support claims handling.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/beemaguide.com\/home-page\/electronic-claims-file-ecf2-in-the-london-market-systems-roles-and-claims-journey\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Electronic Claims File (ECF2) in the London Market: Systems, Roles and Claims Journey - 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