{"id":31053,"date":"2026-10-07T09:11:56","date_gmt":"2026-10-07T08:11:56","guid":{"rendered":"https:\/\/www.nexoya.com\/?post_type=resource_gallery&#038;p=31053"},"modified":"2026-10-07T09:35:10","modified_gmt":"2026-10-07T08:35:10","slug":"replay-dmexco-2026-dadirekt-masterclass","status":"publish","type":"resource_gallery","link":"https:\/\/www.nexoya.com\/de\/resource_gallery\/replay-dmexco-2026-dadirekt-masterclass\/","title":{"rendered":"Replay: DA Direkt \/ Zurich Insurance: 800% ROI in 3 months. What happens when AI optimizes your media budget?"},"content":{"rendered":"\n<main>\n\n<section class=\"hero\">\n    <div class=\"is-container\">\n        <h1 class=\"is-h2\">Replay: DA Direkt \/ Zurich Insurance: 800% ROI in 3 months. What happens when AI optimizes your media budget?<\/h1>\n\n        <div class=\"hero__content\">\n        <figure class=\"hero__image\"><img decoding=\"async\" width=\"1200\" height=\"720\" src=\"https:\/\/www.nexoya.com\/wp-content\/uploads\/2026\/10\/DMEXCO-website-event-header-1.png\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" srcset=\"https:\/\/www.nexoya.com\/wp-content\/uploads\/2026\/10\/DMEXCO-website-event-header-1.png 1200w, https:\/\/www.nexoya.com\/wp-content\/uploads\/2026\/10\/DMEXCO-website-event-header-1-300x180.png 300w, https:\/\/www.nexoya.com\/wp-content\/uploads\/2026\/10\/DMEXCO-website-event-header-1-1024x614.png 1024w, https:\/\/www.nexoya.com\/wp-content\/uploads\/2026\/10\/DMEXCO-website-event-header-1-768x461.png 768w, https:\/\/www.nexoya.com\/wp-content\/uploads\/2026\/10\/DMEXCO-website-event-header-1-254x152.png 254w, https:\/\/www.nexoya.com\/wp-content\/uploads\/2026\/10\/DMEXCO-website-event-header-1-350x210.png 350w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n        <div class=\"hero__highlights\">\n            <h2 class=\"is-h3\">In this session, you&#8217;ll learn how to:<\/h2>\n\n                        <ul>\n                                <li>\n                    <p class=\"is-text-lead\">How to assess where your media setup stands today<\/p>\n                <\/li>\n                                <li>\n                    <p class=\"is-text-lead\">How to strengthen top- and mid-funnel measurement<\/p>\n                <\/li>\n                                <li>\n                    <p class=\"is-text-lead\">How to optimize budgets across channels and campaigns<\/p>\n                <\/li>\n                                <li>\n                    <p class=\"is-text-lead\">How to use forecasts and trend signals to decide before results land<\/p>\n                <\/li>\n                  \n            <\/ul>\n                    <\/div>\n        <\/div>\n\n        <div class=\"hero__form\">\n        \n<div class=\"wpcf7 no-js\" id=\"wpcf7-f31117-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"31117\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/de\/wp-json\/wp\/v2\/resource_gallery\/31053#wpcf7-f31117-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"31117\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.6\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f31117-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<label> \n <span class=\"text\">First Name <span>*<\/span><\/span>\n <span class=\"wpcf7-form-control-wrap\" data-name=\"fullname\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"John\" value=\"\" type=\"text\" name=\"fullname\" \/><\/span>\n<\/label>\n\n<label> \n <span class=\"text\">Last Name <span>*<\/span><\/span>\n <span class=\"wpcf7-form-control-wrap\" data-name=\"lastname\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Smith\" value=\"\" type=\"text\" name=\"lastname\" \/><\/span>\n<\/label>\n\n<label> \n <span class=\"text\">Work Mail <span>*<\/span><\/span>\n <span class=\"wpcf7-form-control-wrap\" data-name=\"email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"john@smith.com\" value=\"\" type=\"email\" name=\"email\" \/><\/span>\n<\/label>\n\n<label> \n <span class=\"text\">Company Name <span>*<\/span><\/span>\n <span class=\"wpcf7-form-control-wrap\" data-name=\"company-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"John Smith &amp; Sons\" value=\"\" type=\"text\" name=\"company-name\" \/><\/span>\n<\/label>\n<br>\n <div class=\"checkbox-container grid-checkbox\">\n                <label class=\"checkbox-label\">\n       <span class=\"wpcf7-form-control-wrap\" data-name=\"additional\"><span class=\"wpcf7-form-control wpcf7-checkbox is-checkbox\"><span class=\"wpcf7-list-item first last\"><input type=\"checkbox\" name=\"additional[]\" value=\"Guide: How to become a data-driven marketer\" \/><span class=\"wpcf7-list-item-label\">Guide: How to become a data-driven marketer<\/span><\/span><\/span><\/span>            \n\n                   <div class=\"checkbox-text\">Yes, I want to get instant access to the free library of marketing resources.<\/div>\n                <\/label>\n            <\/div>\n\n<div class=\"submit-container\">\n            <input class=\"wpcf7-form-control wpcf7-submit has-spinner is-button is-button-green\" type=\"submit\" value=\"Watch the Replay!\" \/>\n        <\/div>\n        <div style=\"margin-top:16px\"><\/div>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"Marketing - 800% ROI in 3 months - DMEXCO Masterclass 2026 with DA Direkt\" type=\"hidden\" name=\"your-source\" \/>\n        <input class=\"wpcf7-form-control wpcf7-hidden\" value=\"en\" type=\"hidden\" name=\"your-lang\" \/>\n\n        <input class=\"wpcf7-form-control wpcf7-hidden\" id=\"utm_source\" value=\"\" type=\"hidden\" name=\"h_utm_source\" \/>\n        <input class=\"wpcf7-form-control wpcf7-hidden\" id=\"utm_medium\" value=\"\" type=\"hidden\" name=\"h_utm_medium\" \/>\n        <input class=\"wpcf7-form-control wpcf7-hidden\" id=\"utm_term\" value=\"\" type=\"hidden\" name=\"h_utm_term\" \/>\n        <input class=\"wpcf7-form-control wpcf7-hidden\" id=\"utm_campaign\" value=\"\" type=\"hidden\" name=\"h_utm_campaign\" \/>\n\n        <input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utm_source\" \/>\n        <input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utm_medium\" \/>\n        <input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utm_campaign\" \/>\n        <input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utm_content\" \/>\n        <input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"gclid\" \/>\n    <\/div><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id31053_ff8b3a-b6{margin-top:100px;margin-bottom:100px;}.kb-row-layout-id31053_ff8b3a-b6 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id31053_ff8b3a-b6 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id31053_ff8b3a-b6 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:0px;padding-bottom:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id31053_ff8b3a-b6 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id31053_ff8b3a-b6 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id31053_ff8b3a-b6 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id31053_ff8b3a-b6 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column31053_9c5d88-37 > .kt-inside-inner-col,.kadence-column31053_9c5d88-37 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column31053_9c5d88-37 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column31053_9c5d88-37 > .kt-inside-inner-col{flex-direction:column;}.kadence-column31053_9c5d88-37 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column31053_9c5d88-37 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column31053_9c5d88-37{position:relative;}@media all and (max-width: 1024px){.kadence-column31053_9c5d88-37 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column31053_9c5d88-37 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column31053_9c5d88-37\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id31053_6b3ada-06{margin-top:100px;margin-bottom:100px;}.kb-row-layout-id31053_6b3ada-06 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id31053_6b3ada-06 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id31053_6b3ada-06 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:1122px;margin-left:auto;margin-right:auto;padding-top:0px;padding-bottom:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id31053_6b3ada-06 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id31053_6b3ada-06 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id31053_6b3ada-06 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id31053_6b3ada-06 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column31053_0cc3ae-68 > .kt-inside-inner-col,.kadence-column31053_0cc3ae-68 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column31053_0cc3ae-68 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column31053_0cc3ae-68 > .kt-inside-inner-col{flex-direction:column;}.kadence-column31053_0cc3ae-68 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column31053_0cc3ae-68 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column31053_0cc3ae-68{position:relative;}@media all and (max-width: 1024px){.kadence-column31053_0cc3ae-68 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column31053_0cc3ae-68 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column31053_0cc3ae-68\"><div class=\"kt-inside-inner-col\">\n<h2 id=\"h-about-this-session\" class=\"wp-block-heading\">About this session<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">How do you know where your next media euro will really drive incremental growth?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Christoph R\u00fcppel, Head of Performance Marketing at DA Direkt \/ Zurich Insurance, and Marco Hochstrasser, Co-Founder &amp; CEO of Nexoya, reveal the playbook behind 800% ROI in just 3 months.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Learn how to assess where your media setup stands today and move step by step from fragmented attribution to AI-driven optimization: optimize budgets across channels and campaigns, and use forecasts &amp; trend signals to make decisions before results land.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Walk away with a simple maturity check: where you are today, what to fix first, and when you&#8217;re ready to let AI take over more media decisions. Plus: what changes next when AI agents enter the loop.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">An award-winning Zurich Innovation Championship case, with lessons you can apply to your own media setup.<\/p>\n\n\n\n<h3 id=\"h-our-experts\" class=\"wp-block-heading\">Our Experts<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Christoph R\u00fcppel<\/strong>, Head of Performance Marketing at DA Direkt .<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Marco Hochstrasser<\/strong>, Co-Founder &amp; CEO at Nexoya.<\/p>\n<\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n<\/div><\/div>\n\n\n<section class=\"faq\">\n  <div class=\"is-container\">\n    <h2>FAQ<\/h2>\n\n          <ul data-accordion>\n                  <li>\n            <div class=\"faq__item\">\n              <p class=\"is-text-lead\">\n                <span class=\"text\">In which language will the masterclass be held?<\/span>\n              \n                <span class=\"arrow\">\n                  <svg width=\"10\" height=\"14\" viewBox=\"0 0 10 14\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <path d=\"M5 1L5 12.625\" stroke=\"#0EC76A\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                    <path d=\"M9 9L5 13L1 9\" stroke=\"#0EC76A\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                  <\/svg>\n                <\/span>\n              <\/p>\n\n              <div class=\"content\">\n                <p class=\"is-text-medium\">This session is in German, but has English subtitles.<\/p>\n              <\/div>\n            <\/div>\n          <\/li>\n                  <li>\n            <div class=\"faq__item\">\n              <p class=\"is-text-lead\">\n                <span class=\"text\">How long does this session last?<\/span>\n              \n                <span class=\"arrow\">\n                  <svg width=\"10\" height=\"14\" viewBox=\"0 0 10 14\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <path d=\"M5 1L5 12.625\" stroke=\"#0EC76A\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                    <path d=\"M9 9L5 13L1 9\" stroke=\"#0EC76A\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                  <\/svg>\n                <\/span>\n              <\/p>\n\n              <div class=\"content\">\n                <p class=\"is-text-medium\">The session lasts about 17 minutes.\r\n<\/p>\n              <\/div>\n            <\/div>\n          <\/li>\n          \n      <\/ul>\n      <\/div>\n<\/section>\n\n\r\n  <section class=\"related\">\r\n    <div class=\"is-container\">\r\n      <h2>Related resources<\/h2>\r\n\r\n      <ul>\r\n                  <li>\r\n            <article class=\"mg-single-article\">\r\n              <a href=\"https:\/\/www.nexoya.com\/de\/resource_gallery\/webinar-flaschenpost-2025\/\" aria-label=\"Replay Flaschenpost Webinar &#8211;  Learn how to reach the same profit with -24.1% less ad spend\">\r\n                <figure class=\"mg-single-article__image\" style=\"background-image: url(https:\/\/www.nexoya.com\/wp-content\/uploads\/2025\/05\/Webinar-Flaschenpost.png);\"><\/figure>\r\n\r\n                <div class=\"mg-single-article__content\">\r\n                  <span class=\"tag\">Webinar<\/span>\r\n                  <h2 class=\"is-text-large\">Replay Flaschenpost Webinar &#8211;  Learn how to reach the same profit with -24.1% less ad spend<\/h2>\r\n                  <p class=\"is-text-medium\">Discover how Flaschenpost transformed its complex, multi-channel marketing with Nexoya\u2019s AI-driven budget optimization. Learn how they boosted profitability while cutting ad spend by 24.1%.<\/p>\r\n                  <button type=\"button\" class=\"is-link-arrow\">Mehr erfahren<\/button> \r\n                <\/div>\r\n              <\/a>\r\n            <\/article>\r\n          <\/li>\r\n                  <li>\r\n            <article class=\"mg-single-article\">\r\n              <a href=\"https:\/\/www.nexoya.com\/de\/resource_gallery\/replay-k5-berlin-2026-oswald\/\" aria-label=\"Replay: +19,7 % mehr Umsatz durch bessere Attribution. Wie Oswald\/Unilever seine Media-Investments mit KI neu bewertete\">\r\n                <figure class=\"mg-single-article__image\" style=\"background-image: url(https:\/\/www.nexoya.com\/wp-content\/uploads\/2026\/07\/IMG_5638-scaled-e1782372256837.jpg);\"><\/figure>\r\n\r\n                <div class=\"mg-single-article__content\">\r\n                  <span class=\"tag\">Im Trend<\/span>\r\n                  <h2 class=\"is-text-large\">Replay: +19,7 % mehr Umsatz durch bessere Attribution. Wie Oswald\/Unilever seine Media-Investments mit KI neu bewertete<\/h2>\r\n                  <p class=\"is-text-medium\">Was ist der tats\u00e4chliche Einfluss von Upper- und Mid-Funnel-Werbung auf den Webshop-Umsatz, und wie triffst du Budgetentscheidungen, die du intern auch wirklich vertreten kannst? In diesem Replay siehst du, wie Oswald Nexoya genutzt hat, um datengetriebener zu werden und +19,7 % mehr Umsatz zu erzielen.<\/p>\r\n                  <button type=\"button\" class=\"is-link-arrow\">Mehr erfahren<\/button> \r\n                <\/div>\r\n              <\/a>\r\n            <\/article>\r\n          <\/li>\r\n                  <li>\r\n            <article class=\"mg-single-article\">\r\n              <a href=\"https:\/\/www.nexoya.com\/de\/resource_gallery\/webinar-from-attribution-to-action-2026\/\" aria-label=\"Replay &#8211; from attribution to action: How our customers use AI to drive more effective media buying\">\r\n                <figure class=\"mg-single-article__image\" style=\"background-image: url(https:\/\/www.nexoya.com\/wp-content\/uploads\/2025\/11\/Nexoya-Webinar-Visual.png);\"><\/figure>\r\n\r\n                <div class=\"mg-single-article__content\">\r\n                  <span class=\"tag\">Di Tendenza<\/span>\r\n                  <h2 class=\"is-text-large\">Replay &#8211; from attribution to action: How our customers use AI to drive more effective media buying<\/h2>\r\n                  <p class=\"is-text-medium\">Attribution has experienced a revival! In this webinar, you will learn what \u201cactionable attribution\u201d is all about and why attribution combined with AI-based optimization enables more effective media buying. <\/p>\r\n                  <button type=\"button\" class=\"is-link-arrow\">Mehr erfahren<\/button> \r\n                <\/div>\r\n              <\/a>\r\n            <\/article>\r\n          <\/li>\r\n              <\/ul>\r\n    <\/div>\r\n  <\/section>\r\n","protected":false},"excerpt":{"rendered":"<p>Attribution has experienced a revival! In this webinar, you will learn what \u201cactionable attribution\u201d is all about and why attribution combined with AI-based optimization enables more effective media buying. <\/p>\n","protected":false},"author":27,"featured_media":31168,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false},"resource_gallery_category":[115],"class_list":["post-31053","resource_gallery","type-resource_gallery","status-publish","format-standard","has-post-thumbnail","hentry","resource_gallery_category-webinars"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.6 (Yoast SEO v28.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Replay: DA Direkt \/ Zurich Insurance: 800% ROI in 3 months. What happens when AI optimizes your media budget? - Nexoya<\/title>\n<meta name=\"description\" content=\"DMEXCO 2026 Masterclass replay with DA Direkt about 800% ROI in 3 months. What happens when AI optimizes your media budget?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.nexoya.com\/de\/resource_gallery\/replay-dmexco-2026-dadirekt-masterclass\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Replay: DA Direkt \/ Zurich Insurance: 800% ROI in 3 months. What happens when AI optimizes your media budget?\" \/>\n<meta property=\"og:description\" content=\"DMEXCO 2026 Masterclass replay with DA Direkt about 800% ROI in 3 months. 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