August 26 2020
Feature
New technology resulting from a branch overhaul serves Members Cooperative CU in Minnesota well during the pandemic.
Editors\' Columns
An "always on" work schedule isn't sustainable, and CUs must consider their employees' mental health during this hectic time.
A "supergroup" of CU leaders come together to create something incredibly valuable and important for the CU universe in its entirety.
Focus Report: Regulation & Compliance
The NCUA's FOM rule starts a new chapter of growth for CUs, especially in community charters, rural districts and underserved areas.
CUs must consider whether their digital strategy is adequately positioned to withstand a longer-term shift to remote operations.
Credit union leaders can use modern data-driven decision making to take the uncertainty out of risk.
Making a personal commitment to website accessibility provides valuable options for people with disabilities who often get overlooked.
See TransUnion's most recent findings on financial hardship in the U.S., plus ways credit unions in the Southeast have helped members.
Guest Opinion
Now is the time for credit unions to put action, strategy and resources behind their statements of support for the Black Lives Matter movement.
Community News
Plus, a virtual hot dog eating contest raises $7,500 for Children's Miracle Network Hospitals.
People
Plus, a human resources executive retires after 32 years of service to a Massachusetts credit union.
Trending Stories
- 1Learn How CU are Realizing 55% Automated Bookings and 70% Instant Funding
- 2Ohio Woman, 74, Uses a Handgun to Allegedly Rob Her Own Credit Union
- 3Callahan Buys CDFI Consulting Firm
- 4New Hires & Promotions Revealed at 6 CUs, Your Credit Union Partner
- 5Mortgage Bankers Lower Forecasts Through 2026
{
"data": {
"slug": "august-26-2020-6",
"title": "August 26 2020",
"type": "issue",
"packageUrl": "",
"summary": "",
"cssFile": "",
"imageUrl": "//www.almcms.com/contrib/content/uploads/sites/413/2020/08/Cover_0826.jpg",
"mediaUrl": "",
"blurb": "",
"articles": [
{
"uri": "/2020/08/24/can-the-industry-preserve-mdis/",
"title": "Can the Industry Preserve MDIs?",
"summary": "Despite the NCUA's efforts, the number of credit union MDIs continues to decline, mainly because of consolidation.",
"byline": "Peter Strozniak",
"kicker": "Analysis",
"tags": [],
"prettyDate": "August 24, 2020",
"wordcount": "1377",
"timeToRead": "7 minute",
"readtime": "7",
"authors": [
{
"webUrl": "/author/profile/peter-strozniak/",
"name": "Peter Strozniak"
}
],
"kickerNode": [
{
"uri": "/analysis/",
"sectionName": "Analysis"
}
],
"primaryCategory": {
"channelName": "",
"sectionName": "",
"uri": ""
},
"image": {
"uri": "https://images.cutimes.com/contrib/content/uploads/sites/413/2020/08/cover-e1648223597191.jpg",
"width": "620",
"height": "747"
}
},
{
"uri": "/2020/08/24/timing-ideal-for-cus-branch-update/",
"title": "Timing Ideal for CU's Branch Update",
"summary": "New technology resulting from a branch overhaul serves Members Cooperative CU in Minnesota well during the pandemic.",
"byline": "Raychel Lean",
"kicker": "Best Practices",
"tags": [
"Sponsor:Coronavirus"
],
"prettyDate": "August 24, 2020",
"wordcount": "1600",
"timeToRead": "8 minute",
"readtime": "8",
"authors": [
{
"webUrl": "/author/profile/raychel-lean/",
"name": "Raychel Lean"
}
],
"kickerNode": [
{
"uri": "/best-practices/",
"sectionName": "Best Practices"
}
],
"primaryCategory": {
"channelName": "",
"sectionName": "",
"uri": ""
},
"image": {
"uri": "https://images.cutimes.com/contrib/content/uploads/sites/413/2020/08/Feature.jpg",
"width": "650",
"height": "433"
}
},
{
"uri": "/2020/08/24/its-time-to-shine-at-work-but-at-what-expense/",
"title": "It's Time to Shine at Work, but at What Expense?",
"summary": "An \"always on\" work schedule isn't sustainable, and CUs must consider their employees' mental health during this hectic time.",
"byline": "Natasha Chilingerian",
"kicker": "Editor's Letter",
"tags": [
"Sponsor:Coronavirus"
],
"prettyDate": "August 24, 2020",
"wordcount": "1099",
"timeToRead": "6 minute",
"readtime": "6",
"authors": [
{
"webUrl": "/author/profile/natasha-chilingerian/",
"name": "Natasha Chilingerian"
}
],
"kickerNode": [
{
"uri": "/editors-letter/",
"sectionName": "Editor's Letter"
}
],
"primaryCategory": {
"channelName": "",
"sectionName": "",
"uri": ""
},
"image": {
"uri": "",
"width": "",
"height": ""
}
},
{
"uri": "/2020/08/24/baby-what-a-big-surprise-2/",
"title": "'Baby, What a Big Surprise'",
"summary": "A \"supergroup\" of CU leaders come together to create something incredibly valuable and important for the CU universe in its entirety.",
"byline": "Michael Ogden",
"kicker": "Editor's Letter",
"tags": [
"Sponsor:Coronavirus"
],
"prettyDate": "August 24, 2020",
"wordcount": "1143",
"timeToRead": "6 minute",
"readtime": "6",
"authors": [
{
"webUrl": "/author/profile/michael-ogden/",
"name": "Michael Ogden"
}
],
"kickerNode": [
{
"uri": "/editors-letter/",
"sectionName": "Editor's Letter"
}
],
"primaryCategory": {
"channelName": "",
"sectionName": "",
"uri": ""
},
"image": {
"uri": "",
"width": "",
"height": ""
}
},
{
"uri": "/2020/08/24/fom-rule-presents-growth-opportunities-for-credit-unions/",
"title": "FOM Rule Presents Growth Opportunities for Credit Unions",
"summary": "The NCUA's FOM rule starts a new chapter of growth for CUs, especially in community charters, rural districts and underserved areas.",
"byline": "Peter Strozniak",
"kicker": "Analysis",
"tags": [],
"prettyDate": "August 24, 2020",
"wordcount": "1281",
"timeToRead": "7 minute",
"readtime": "7",
"authors": [
{
"webUrl": "/author/profile/peter-strozniak/",
"name": "Peter Strozniak"
}
],
"kickerNode": [
{
"uri": "/analysis/",
"sectionName": "Analysis"
}
],
"primaryCategory": {
"channelName": "",
"sectionName": "",
"uri": ""
},
"image": {
"uri": "",
"width": "",
"height": ""
}
},
{
"uri": "/2020/08/24/clearing-a-path-forward-for-credit-union-innovation/",
"title": "Clearing a Path Forward for Credit Union Innovation",
"summary": "CUs must consider whether their digital strategy is adequately positioned to withstand a longer-term shift to remote operations.",
"byline": "Melissa Koch",
"kicker": "Expert Opinion",
"tags": [
"Sponsor:Coronavirus"
],
"prettyDate": "August 24, 2020",
"wordcount": "1169",
"timeToRead": "6 minute",
"readtime": "6",
"authors": [
{
"webUrl": "/author/profile/melissa-koch/",
"name": "Melissa Koch"
}
],
"kickerNode": [
{
"uri": "/expert-opinion/",
"sectionName": "Expert Opinion"
}
],
"primaryCategory": {
"channelName": "",
"sectionName": "",
"uri": ""
},
"image": {
"uri": "",
"width": "",
"height": ""
}
},
{
"uri": "/2020/08/24/using-good-data-to-make-good-decisions/",
"title": "Using Good Data to Make Good Decisions",
"summary": "Credit union leaders can use modern data-driven decision making to take the uncertainty out of risk.",
"byline": "Ray K. Ragan and Timothy \"Buck\" Strasser",
"kicker": "Expert Opinion",
"tags": [
"Sponsor:Coronavirus"
],
"prettyDate": "August 24, 2020",
"wordcount": "1105",
"timeToRead": "6 minute",
"readtime": "6",
"authors": [
{
"webUrl": "/author/profile/ray-k-ragan/",
"name": "Ray K. Ragan"
},
{
"webUrl": "/author/profile/timothy-buck-strasser/",
"name": "Timothy \"Buck\" Strasser"
}
],
"kickerNode": [
{
"uri": "/expert-opinion/",
"sectionName": "Expert Opinion"
}
],
"primaryCategory": {
"channelName": "",
"sectionName": "",
"uri": ""
},
"image": {
"uri": "",
"width": "",
"height": ""
}
},
{
"uri": "/2020/08/24/why-ada-compliance-is-important-at-your-credit-union/",
"title": "Why ADA Compliance Is Important at Your Credit Union",
"summary": "Making a personal commitment to website accessibility provides valuable options for people with disabilities who often get overlooked.",
"byline": "Richard Gallagher",
"kicker": "Expert Opinion",
"tags": [],
"prettyDate": "August 24, 2020",
"wordcount": "1285",
"timeToRead": "7 minute",
"readtime": "7",
"authors": [
{
"webUrl": "/author/profile/richard-gallagher/",
"name": "Richard Gallagher"
}
],
"kickerNode": [
{
"uri": "/expert-opinion/",
"sectionName": "Expert Opinion"
}
],
"primaryCategory": {
"channelName": "",
"sectionName": "",
"uri": ""
},
"image": {
"uri": "",
"width": "",
"height": ""
}
},
{
"uri": "/2020/08/24/as-the-pandemic-upends-consumers-financial-lives-cus-offer-help/",
"title": "As the Pandemic Upends Consumers' Financial Lives, CUs Offer Help",
"summary": "See TransUnion's most recent findings on financial hardship in the U.S., plus ways credit unions in the Southeast have helped members.",
"byline": "Natasha Chilingerian and Tim Schafer",
"kicker": "Infographic",
"tags": [
"Sponsor:Coronavirus"
],
"prettyDate": "August 24, 2020",
"wordcount": "30",
"timeToRead": "1 minute",
"readtime": "1",
"authors": [
{
"webUrl": "/author/profile/natasha-chilingerian/",
"name": "Natasha Chilingerian"
},
{
"webUrl": "/author/profile/tim-schafer/",
"name": "Tim Schafer"
}
],
"kickerNode": [
{
"uri": "/infographic/",
"sectionName": "Infographic"
}
],
"primaryCategory": {
"channelName": "",
"sectionName": "",
"uri": ""
},
"image": {
"uri": "https://images.cutimes.com/contrib/content/uploads/sites/413/2020/08/Infographic_900x1024_0826.jpg",
"width": "900",
"height": "1014"
}
},
{
"uri": "/2020/08/24/black-lives-matter-dei-beyond-the-brand/",
"title": "Black Lives Matter: DEI Beyond the Brand",
"summary": "Now is the time for credit unions to put action, strategy and resources behind their statements of support for the Black Lives Matter movement.",
"byline": "Angela Russell",
"kicker": "Expert Opinion",
"tags": [],
"prettyDate": "August 24, 2020",
"wordcount": "885",
"timeToRead": "5 minute",
"readtime": "5",
"authors": [
{
"webUrl": "/author/profile/angela-russell/",
"name": "Angela Russell"
}
],
"kickerNode": [
{
"uri": "/expert-opinion/",
"sectionName": "Expert Opinion"
}
],
"primaryCategory": {
"channelName": "",
"sectionName": "",
"uri": ""
},
"image": {
"uri": "https://images.cutimes.com/contrib/content/uploads/sites/413/2020/08/Black-Lives-Matter-protest-Madison-e1598289867165.jpg",
"width": "650",
"height": "433"
}
},
{
"uri": "/2020/08/17/8-credit-unions-announce-new-summer-2020-hires-promotions/",
"title": "8 Credit Unions Announce New Summer 2020 Hires & Promotions",
"summary": "Plus, a human resources executive retires after 32 years of service to a Massachusetts credit union.",
"byline": "Natasha Chilingerian",
"kicker": "Career Moves",
"tags": [],
"prettyDate": "August 17, 2020",
"wordcount": "906",
"timeToRead": "5 minute",
"readtime": "5",
"authors": [
{
"webUrl": "/author/profile/natasha-chilingerian/",
"name": "Natasha Chilingerian"
}
],
"kickerNode": [
{
"uri": "/career-moves/",
"sectionName": "Career Moves"
}
],
"primaryCategory": {
"channelName": "",
"sectionName": "",
"uri": ""
},
"image": {
"uri": "",
"width": "",
"height": ""
}
},
{
"uri": "/2020/08/14/cu-donations-benefit-veterans-nursing-home-workers-children-facing-hunger/",
"title": "CU Donations Benefit Veterans, Nursing Home Workers & Children Facing Hunger",
"summary": "Plus, a virtual hot dog eating contest raises $7,500 for Children's Miracle Network Hospitals.",
"byline": "Natasha Chilingerian",
"kicker": "News",
"tags": [
"Sponsor:Coronavirus"
],
"prettyDate": "August 14, 2020",
"wordcount": "678",
"timeToRead": "4 minute",
"readtime": "4",
"authors": [
{
"webUrl": "/author/profile/natasha-chilingerian/",
"name": "Natasha Chilingerian"
}
],
"kickerNode": [
{
"uri": "/news/",
"sectionName": "News"
}
],
"primaryCategory": {
"channelName": "",
"sectionName": "",
"uri": ""
},
"image": {
"uri": "https://images.cutimes.com/contrib/content/uploads/sites/413/2020/08/All-In-Credit-Union-e1597176277656.jpg",
"width": "650",
"height": "549"
}
}
],
"navigations": [
{
"name": "Cover Story",
"description": "",
"link": "",
"query": "",
"showAll": "",
"searchContents": [
{
"uri": "/2020/08/24/can-the-industry-preserve-mdis/",
"title": "Can the Industry Preserve MDIs?",
"byline": "Peter Strozniak",
"kicker": "Analysis",
"summary": "Despite the NCUA's efforts, the number of credit union MDIs continues to decline, mainly because of consolidation.",
"isDownload": "false",
"authors": [
{
"webUrl": "/author/profile/peter-strozniak/",
"name": "Peter Strozniak"
}
],
"kickerNode": [
{
"uri": "/analysis/",
"sectionName": "Analysis"
}
],
"readtime": "7",
"prettyDate": "August 24, 2020",
"primaryCategory": {
"channelName": "",
"sectionName": "",
"uri": ""
},
"image": {
"uri": "https://images.cutimes.com/contrib/content/uploads/sites/413/2020/08/cover-e1648223597191.jpg",
"width": "620",
"height": "747"
}
}
]
},
{
"name": "Feature",
"description": "",
"link": "",
"query": "",
"showAll": "",
"searchContents": [
{
"uri": "/2020/08/24/timing-ideal-for-cus-branch-update/",
"title": "Timing Ideal for CU's Branch Update",
"byline": "Raychel Lean",
"kicker": "Best Practices",
"summary": "New technology resulting from a branch overhaul serves Members Cooperative CU in Minnesota well during the pandemic.",
"isDownload": "false",
"authors": [
{
"webUrl": "/author/profile/raychel-lean/",
"name": "Raychel Lean"
}
],
"kickerNode": [
{
"uri": "/best-practices/",
"sectionName": "Best Practices"
}
],
"readtime": "8",
"prettyDate": "August 24, 2020",
"primaryCategory": {
"channelName": "",
"sectionName": "",
"uri": ""
},
"image": {
"uri": "https://images.cutimes.com/contrib/content/uploads/sites/413/2020/08/Feature.jpg",
"width": "650",
"height": "433"
}
}
]
},
{
"name": "Editors\\' Columns",
"description": "",
"link": "",
"query": "",
"showAll": "",
"searchContents": [
{
"uri": "/2020/08/24/its-time-to-shine-at-work-but-at-what-expense/",
"title": "It's Time to Shine at Work, but at What Expense?",
"byline": "Natasha Chilingerian",
"kicker": "Editor's Letter",
"summary": "An \"always on\" work schedule isn't sustainable, and CUs must consider their employees' mental health during this hectic time.",
"isDownload": "false",
"authors": [
{
"webUrl": "/author/profile/natasha-chilingerian/",
"name": "Natasha Chilingerian"
}
],
"kickerNode": [
{
"uri": "/editors-letter/",
"sectionName": "Editor's Letter"
}
],
"readtime": "6",
"prettyDate": "August 24, 2020",
"primaryCategory": {
"channelName": "",
"sectionName": "",
"uri": ""
},
"image": {
"uri": "",
"width": "",
"height": ""
}
},
{
"uri": "/2020/08/24/baby-what-a-big-surprise-2/",
"title": "'Baby, What a Big Surprise'",
"byline": "Michael Ogden",
"kicker": "Editor's Letter",
"summary": "A \"supergroup\" of CU leaders come together to create something incredibly valuable and important for the CU universe in its entirety.",
"isDownload": "false",
"authors": [
{
"webUrl": "/author/profile/michael-ogden/",
"name": "Michael Ogden"
}
],
"kickerNode": [
{
"uri": "/editors-letter/",
"sectionName": "Editor's Letter"
}
],
"readtime": "6",
"prettyDate": "August 24, 2020",
"primaryCategory": {
"channelName": "",
"sectionName": "",
"uri": ""
},
"image": {
"uri": "",
"width": "",
"height": ""
}
}
]
},
{
"name": "Focus Report: Regulation & Compliance",
"description": "",
"link": "",
"query": "",
"showAll": "",
"searchContents": [
{
"uri": "/2020/08/24/fom-rule-presents-growth-opportunities-for-credit-unions/",
"title": "FOM Rule Presents Growth Opportunities for Credit Unions",
"byline": "Peter Strozniak",
"kicker": "Analysis",
"summary": "The NCUA's FOM rule starts a new chapter of growth for CUs, especially in community charters, rural districts and underserved areas.",
"isDownload": "false",
"authors": [
{
"webUrl": "/author/profile/peter-strozniak/",
"name": "Peter Strozniak"
}
],
"kickerNode": [
{
"uri": "/analysis/",
"sectionName": "Analysis"
}
],
"readtime": "7",
"prettyDate": "August 24, 2020",
"primaryCategory": {
"channelName": "",
"sectionName": "",
"uri": ""
},
"image": {
"uri": "",
"width": "",
"height": ""
}
},
{
"uri": "/2020/08/24/clearing-a-path-forward-for-credit-union-innovation/",
"title": "Clearing a Path Forward for Credit Union Innovation",
"byline": "Melissa Koch",
"kicker": "Expert Opinion",
"summary": "CUs must consider whether their digital strategy is adequately positioned to withstand a longer-term shift to remote operations.",
"isDownload": "false",
"authors": [
{
"webUrl": "/author/profile/melissa-koch/",
"name": "Melissa Koch"
}
],
"kickerNode": [
{
"uri": "/expert-opinion/",
"sectionName": "Expert Opinion"
}
],
"readtime": "6",
"prettyDate": "August 24, 2020",
"primaryCategory": {
"channelName": "",
"sectionName": "",
"uri": ""
},
"image": {
"uri": "",
"width": "",
"height": ""
}
},
{
"uri": "/2020/08/24/using-good-data-to-make-good-decisions/",
"title": "Using Good Data to Make Good Decisions",
"byline": "Ray K. Ragan and Timothy \"Buck\" Strasser",
"kicker": "Expert Opinion",
"summary": "Credit union leaders can use modern data-driven decision making to take the uncertainty out of risk.",
"isDownload": "false",
"authors": [
{
"webUrl": "/author/profile/ray-k-ragan/",
"name": "Ray K. Ragan"
},
{
"webUrl": "/author/profile/timothy-buck-strasser/",
"name": "Timothy \"Buck\" Strasser"
}
],
"kickerNode": [
{
"uri": "/expert-opinion/",
"sectionName": "Expert Opinion"
}
],
"readtime": "6",
"prettyDate": "August 24, 2020",
"primaryCategory": {
"channelName": "",
"sectionName": "",
"uri": ""
},
"image": {
"uri": "",
"width": "",
"height": ""
}
},
{
"uri": "/2020/08/24/why-ada-compliance-is-important-at-your-credit-union/",
"title": "Why ADA Compliance Is Important at Your Credit Union",
"byline": "Richard Gallagher",
"kicker": "Expert Opinion",
"summary": "Making a personal commitment to website accessibility provides valuable options for people with disabilities who often get overlooked.",
"isDownload": "false",
"authors": [
{
"webUrl": "/author/profile/richard-gallagher/",
"name": "Richard Gallagher"
}
],
"kickerNode": [
{
"uri": "/expert-opinion/",
"sectionName": "Expert Opinion"
}
],
"readtime": "7",
"prettyDate": "August 24, 2020",
"primaryCategory": {
"channelName": "",
"sectionName": "",
"uri": ""
},
"image": {
"uri": "",
"width": "",
"height": ""
}
},
{
"uri": "/2020/08/24/as-the-pandemic-upends-consumers-financial-lives-cus-offer-help/",
"title": "As the Pandemic Upends Consumers' Financial Lives, CUs Offer Help",
"byline": "Natasha Chilingerian and Tim Schafer",
"kicker": "Infographic",
"summary": "See TransUnion's most recent findings on financial hardship in the U.S., plus ways credit unions in the Southeast have helped members.",
"isDownload": "false",
"authors": [
{
"webUrl": "/author/profile/natasha-chilingerian/",
"name": "Natasha Chilingerian"
},
{
"webUrl": "/author/profile/tim-schafer/",
"name": "Tim Schafer"
}
],
"kickerNode": [
{
"uri": "/infographic/",
"sectionName": "Infographic"
}
],
"readtime": "1",
"prettyDate": "August 24, 2020",
"primaryCategory": {
"channelName": "",
"sectionName": "",
"uri": ""
},
"image": {
"uri": "https://images.cutimes.com/contrib/content/uploads/sites/413/2020/08/Infographic_900x1024_0826.jpg",
"width": "900",
"height": "1014"
}
}
]
},
{
"name": "Guest Opinion",
"description": "",
"link": "",
"query": "",
"showAll": "",
"searchContents": [
{
"uri": "/2020/08/24/black-lives-matter-dei-beyond-the-brand/",
"title": "Black Lives Matter: DEI Beyond the Brand",
"byline": "Angela Russell",
"kicker": "Expert Opinion",
"summary": "Now is the time for credit unions to put action, strategy and resources behind their statements of support for the Black Lives Matter movement.",
"isDownload": "false",
"authors": [
{
"webUrl": "/author/profile/angela-russell/",
"name": "Angela Russell"
}
],
"kickerNode": [
{
"uri": "/expert-opinion/",
"sectionName": "Expert Opinion"
}
],
"readtime": "5",
"prettyDate": "August 24, 2020",
"primaryCategory": {
"channelName": "",
"sectionName": "",
"uri": ""
},
"image": {
"uri": "https://images.cutimes.com/contrib/content/uploads/sites/413/2020/08/Black-Lives-Matter-protest-Madison-e1598289867165.jpg",
"width": "650",
"height": "433"
}
}
]
},
{
"name": "Community News",
"description": "",
"link": "",
"query": "",
"showAll": "",
"searchContents": [
{
"uri": "/2020/08/14/cu-donations-benefit-veterans-nursing-home-workers-children-facing-hunger/",
"title": "CU Donations Benefit Veterans, Nursing Home Workers & Children Facing Hunger",
"byline": "Natasha Chilingerian",
"kicker": "News",
"summary": "Plus, a virtual hot dog eating contest raises $7,500 for Children's Miracle Network Hospitals.",
"isDownload": "false",
"authors": [
{
"webUrl": "/author/profile/natasha-chilingerian/",
"name": "Natasha Chilingerian"
}
],
"kickerNode": [
{
"uri": "/news/",
"sectionName": "News"
}
],
"readtime": "4",
"prettyDate": "August 14, 2020",
"primaryCategory": {
"channelName": "",
"sectionName": "",
"uri": ""
},
"image": {
"uri": "https://images.cutimes.com/contrib/content/uploads/sites/413/2020/08/All-In-Credit-Union-e1597176277656.jpg",
"width": "650",
"height": "549"
}
}
]
},
{
"name": "People",
"description": "",
"link": "",
"query": "",
"showAll": "",
"searchContents": [
{
"uri": "/2020/08/17/8-credit-unions-announce-new-summer-2020-hires-promotions/",
"title": "8 Credit Unions Announce New Summer 2020 Hires & Promotions",
"byline": "Natasha Chilingerian",
"kicker": "Career Moves",
"summary": "Plus, a human resources executive retires after 32 years of service to a Massachusetts credit union.",
"isDownload": "false",
"authors": [
{
"webUrl": "/author/profile/natasha-chilingerian/",
"name": "Natasha Chilingerian"
}
],
"kickerNode": [
{
"uri": "/career-moves/",
"sectionName": "Career Moves"
}
],
"readtime": "5",
"prettyDate": "August 17, 2020",
"primaryCategory": {
"channelName": "",
"sectionName": "",
"uri": ""
},
"image": {
"uri": "",
"width": "",
"height": ""
}
}
]
}
],
"sponsors": []
}
}