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Núclea's revenue reaches R$ 1.66 billion in 2024, driven by expansion into new markets and an increase in the solutions portfolio.

Núclea, a leader in digital transaction infrastructure solutions and data intelligence, recorded another year of revenue growth, reaching R$ 1.66 billion, a 7% increase for the year. EBITDA (earnings before interest, taxes, depreciation, and amortization) totaled R$ 790 million, 20% above 2023, and net profit reached R$ 626 million, a 7% increase in the period. Furthermore, Núclea distributed R$ 724.8 million in dividends in 2024.

"Our customer-centric journey has helped us understand what the market needs, and we have directed our solutions to meet those needs. The increasing diversification of our portfolio over the past two years has enabled us to enter new sectors beyond finance and develop high-impact initiatives, such as our blockchain network (Núclea Chain). We have been paving this path supported by innovation, technology, and continuous evolution of our products," emphasizes André Daré, CEO of Núclea.

Núclea currently has more than 1,600 clients in its portfolio. Last year, in operational terms, there were more than 40.7 billion transactions, representing over R$ 18.4 trillion in financial volume. This volume includes transactions that pass through the company, such as bill payments, card registrations, credit portabilities, salary accounts, and credit portfolio assignments, among others.   

New markets 

"The profile of our clients is changing, and 2024 proved that. Today, we speak not only the language of the financial market but also of insurance, tokenization, real estate, and others. We are also refining our data and anti-fraud solutions, expanding on what we had been doing until then," celebrates Daré.

In 2024, the company began its operations in the insurance market and now records activities in insurance, open supplementary pension, capitalization, and reinsurance. In the last year, it announced a partnership to be the registrar of the insurance operations of CNSEG members.  

In the blockchain market, the company launched Núclea Chain and became a pioneer in offering tokenized duplicate services in the Brazilian market. The technology enables offering a complete journey, from registration, tokenization, and validation of the duplicate's collateral, ensuring security and accessibility for clients.

Another highlight was Núclea's first service for end users: certification aimed at families with an income of up to 10 minimum wages to access Social Interest Housing (HIS) and Popular Market Housing (HMP). For this, the company leveraged its experience in technology for the financial system to benefit the real estate market.

Núclea also made significant investments that enhance its expansion through startups Liquid, a Brazilian company specializing in artificial intelligence applied to credit, and Parfin, focused on digital asset structuring and blockchains in companies.   

In addition to conquering new markets, solutions for the democratization of credit and financial services experienced significant growth in 2024. The highlight is the portability of credit and the registration of receivables for use as collateral. Furthermore, Núclea expanded the registration of invoices and the enrollment in Authorized Direct Debit.    

The data agenda for legal entities also showed progress in 2024. Núclea provided the financial market with indicators and reports that enable more appropriate credit granting to clients, with conditions aligned with their repayment capacity and rates consistent with a more accurate risk assessment.

We end the year with a sense of pride and gratitude. The achievements that brought us here are the result of the collective effort of a team of over 850 employees and the various valuable partnerships we have built along the way, declares Daré.

Efficient Strategies to Engage and Convert Customers with Email Marketing

In the highly competitive digital landscape, email marketing remains one of the most effective tools for building relationships with the audience and driving sales. However, given the volume of messages received daily, ensuring that an email is opened, read, and generates engagement has become a real challenge.Experts point out that adopting best practices can be crucial for transforming email marketing campaigns into a strategic channel for customer conversion and retentionIn recent years, several new ways have emerged for marketing professionals to connect with clients and potential consumers. But email marketing remains one of the most effective strategies to strengthen customer relationships, increase engagement, and boost business revenue.This accessible channel generates, on average, $36 for every dollar invested., according to data from Forbes Advisor.

Personalization and Segmentation: The Path to Success

The era of generic messages is over. Today, data-driven and user behavior-based personalization is essential to increase open rates and engagement. Studies indicate that targeted emails have a 50% higher open rate than generic campaigns. Using information such as purchase history, preferences, and previous interactions to create targeted content strengthens the relationship with the consumer and increases the chances of conversion.

The Impact of Automation and the Correct Frequency

Marketing automation tools allow sending messages at the ideal moment, based on user behavior. From welcome emails to reactivation campaigns, automation enhances the consumer experience and optimizes results. Furthermore, the frequency of sends should be carefully planned: excessive emails can lead to unsubscriptions, while sporadic contacts may cause the brand to be forgotten.

Relevant Content and Responsive Design

The email content should be objective, relevant, and visually appealing. Short and impactful subjects increase open rates, while well-structured texts and clear calls-to-action encourage users to act. Furthermore, with the increasing use of mobile devices, ensuring that the design is responsive is essential for a positive user experience.

Authenticity and Trust: Protecting Your Reputation

With the increase in digital security concerns, strategies such as implementing authentication protocols (DKIM, SPF, and DMARC) help prevent emails from ending up in the spam folder. Additionally, following the LGPD (General Data Protection Law) standards and obtaining explicit user consent are essential factors to maintain brand credibility and ensure good communication practices.

Metrics and Continuous Optimization

Analyzing metrics such as open rate, clicks, and conversions allows for continuous adjustments and improves campaign performance. A/B testing is also an effective strategy to understand what resonates most with the audience and to improve the communication approach.

With strategic planning and the adoption of best practices, email marketing remains a powerful tool for brands aiming to stand out in the digital market, strengthen customer relationships, and generate real results. For companies and professionals seeking to optimize their digital communication, investing in effective email marketing strategies can be the competitive edge needed for success.

PagBank surpasses 1 million clients in the Insurance sector

THEBanking, a complete digital bank of financial services and payment methods, celebrates the achievement of over 1 million customers in its Insurance product portfolio, reinforcing its value proposition by offering simple, unified, and accessible solutions to customers.  

With over 100% growth in the year, the digital bank's insurance portfolio has been standing out for its combination of competitive prices, extensive coverage, and the offering of various assistance services. Furthermore, ease of use and transparency in processes have attracted new clients.  

"Being the digital bank that best understands the needs of the Brazilian micro-entrepreneur and continuing with the purpose of making the financial lives of people and businesses easier, offering insurance products specifically developed for them makes all the difference at the time of choice. By integrating insurance into our financial ecosystem, we provide a unified experience where the customer can manage everything easily, intuitively, and directly from their mobile phone," comments André Souza, Director of Financial Business and Digital Channels at PagBank.

In addition to steady growth, PagBank Seguros has a post-sales structure that works to maintain a low cancellation rate and balanced claims, reinforcing the sustainability of the business and customer trust in its insurance offerings. The category is distinguished by its broad coverage, diversification of services provided, and ease of use, with the entire process at your fingertips.  

"We believe that a digital bank should go beyond traditional financial services. By offering affordable insurance integrated into our platform, we provide a complete experience where our clients find everything they need to protect their assets and well-being. Our focus is to bring peace of mind to our clients' personal, family, professional, and financial lives," complements Souza.  

Currently, PagBank's Insurance portfolio includes Business Insurance, Health Assistance, Home Insurance, Life Insurance, PagBank Account Insurance, and PagBank Card Insurance, and soon, a mobile phone protection insurance will be launched. More information can be found atsitefrom PagBank.  

One of the largest digital banks in the country by the number of clients, PagBank offers tools for in-person and online sales, a complete digital account for individuals and businesses, as well as features that contribute to financial management, such as Payroll. At PagBank, the credit card has a guaranteed limit, and investments become a limit for the card itself, enhancing customers' earnings, in addition to generating cashback on the bill. At PagBank, those with active and inactive balances in the FGTS can request early withdrawal, and it is also possible to contract the INSS payroll loan for retirees and pensioners directly through the PagBank app.

Mailbiz launches dynamic template integrated with Shopify

Email marketing continues to be an effective tool for engaging customers and increasing sales in e-commerce. Thinking about it, theEmailjust launcheda new feature of dynamic templates integrated with ShopifyThis innovation allows retailers to automatically personalize their emails based on updated store data, optimizing communication and increasing conversions.

What are dynamic templates?

Unlike static templates, dynamic templates automatically adjust to each submission, providing personalized information for each client. The new integration allows a single model to display recommended products, order updates, and exclusive promotions based on user behavior and Shopify information.

Benefits of integration with Shopify

The new integration between Mailbiz and Shopify brings strategic advantages for merchants who want to optimize their email marketing campaigns

1. Real-time customization

Dynamic templates pull information directly from the Shopify store, ensuring that the email content is always up to date. This includes stock, prices, product descriptions, and images.

2. Greater relevance and engagement

With personalized emails based on purchase history and user behavior, the engagement rate tends to increase, reducing unsubscribe rates and improving conversion.

3. Efficient automation

The combination of dynamic templates with Mailbiz's automated flows allows merchants to send emails at the right moment, focusing on repurchase strategies, abandoned cart recovery, and exclusive offers.

4. Time savings and increased productivity

With dynamic templates, it is not necessary to create multiple versions of the same email. Customization happens automatically, reducing the time spent on campaign setup.

How to start using dynamic templates?

If you already use Mailbiz and have a store on Shopify, the setup is simple:

  1. Access the Mailbiz platformand connect your Shopify store.
  2. Choose a dynamic templateand customize the visual elements.
  3. Define the customization rulesbased on behavior, purchase history, and customer preferences.
  4. Activate your automated flowsto send dynamic emails at the right moment.

With the dynamic templates integrated into Shopify, Mailbiz assists how merchants communicate with their customers. This new feature allows advanced customization, greater campaign efficiency, and better sales results.

In the expansion phase, Paipe announces Victória Camilo as the new head of finance

Paipe Technology and Innovation announced in March Victória Roussenq Camilo as the new head of administration and finance. The technology company, headquartered in Novo Hamburgo (RS), serves clients throughout Brazil and is expanding with the opening of an office in São Paulo and a unit at the new Fly Hub in Sapiranga, focused on the innovation ecosystem of the Sinos Valley. Paipe also plans to establish an advanced facility in the United States to strengthen its internationalization.

With over 14 years of experience in the administrative and financial sector, Victória's career includes stints in segments such as hospitality, banking, and, in recent years, has been dedicated to the technology sector. She holds a degree in Accounting Sciences and an MBA in Corporate Finance and Controllership. "My biggest challenge will be, together with my team, to ensure the delivery of accurate and reliable data with solid and effective backing, providing greater security in Paipe's strategic decision-making," he states.

"The values of Paipe, along with its constant pursuit of high performance, are completely aligned with my way of thinking and acting. Therefore, I have high expectations of contributing to a challenging and inspiring environment, where I can learn and grow professionally, while helping the company and the team achieve their goals and drive their continuous evolution," adds Victória.

AI and personalization: how to balance innovation and responsibility?

AI-driven personalization transforms the way we interact with digital products. With increasingly sophisticated algorithms, companies can offer more intuitive, predictable, and personalized experiences tailored to individual users' needs.

A report from theMcKinseyIt points out that 71% of consumers expect personalized interactions and that brands investing in this can increase their revenues by up to 40%. However, this scenario also raises questions about privacy, technological dependence, and the limits of automation in the consumer experience.

Personalization has always been a differentiator in customer service, but until recently, it was a manual and laborious process. Today, AI does not follow only fixed rules. She learns from each interaction, dynamically adjusting recommendations to better understand users' preferences.

But that doesn't mean it's easy. The big challenge lies in training models specific to each company. This is where the automation paradox comes in: AI can replace certain functions, but it does not eliminate the need for the human factor – in fact, what happens is a reinvention of roles in the labor market. It is necessary to feed these models with relevant and contextualized data so that they truly add value to the customer, and those who understand this movement and adapt quickly will have a huge competitive advantage.

Now, the great opportunity is not only in process optimization but also in creating new business models. With AI, companies that previously lacked the scale to compete can now offer advanced personalization and even new monetization methods, such as on-demand AI-based services.

How can companies balance innovation and responsibility to ensure positive impacts?

AI must be a facilitator, not a controller. I list three fundamental pillars

  • Transparency and explainabilityThey are essential for users to understand how AI makes decisions. AI models cannot be "black boxes"; clarity about the criteria used is necessary, avoiding distrust and questionable decisions.
  • Privacy and security by designData security and protection cannot be a "patch" after the product is ready. This must be considered from the beginning of development;
  • Multidisciplinary teams and continuous learningAI requires integration between technology, product, marketing, and customer service. If the teams do not work together, the implementation can become misaligned and ineffective.

Personalization and usability of digital products

The impact of AI on personalization comes from its ability to process and learn from large volumes of data in real time. Previously, customization depended on static rules and fixed segments. Now, with Linear Regression combined with Neural Networks, systems learn and adjust recommendations dynamically, following the user's behavior.

This solves a critical problem: scalability. With AI, companies can offer hyper-personalized experiences without the need for a huge team making manual adjustments.

Furthermore, AI is improving the usability of digital products, making interactions more intuitive and seamless. Some practical applications include

  • Virtual assistants who truly understand the context of conversations and improve over time;
  • Recommendation platforms that automatically adjust content and offers based on user preferences;
  • Needs anticipation systems where AI predicts what the user might need even before they search for it.

AI is not just improving existing digital products, it is creating a new standard of experience. The challenge now is to find the balance: how to use this technology to create more human and efficient experiences at the same time?

The key to innovation is placing the user at the center of the strategy. A well-implemented AI should add value without the user feeling that they have lost control over their data. Companies that balance innovation and responsibility will have a competitive advantage in the long term.

mLabs launches free course to train professionals in social media

mLabsBrazilian social media management platform, the leading one in Latin America, has just launched Social Media Pro, a free online course aimed at professionals who want to deepen their skills in social media management.

The training was developed to meet market demands, focusing on strategic topics such as metrics analysis, content planning,social listeningprocess automation, paid media campaigns, and the use of artificial intelligence in post production.

"By providing another free, targeted, and up-to-date learning path, we want to expand access to knowledge and prepare even more professionals to excel in social media, responding to the demands of a constantly evolving space," says Caio Rigoldi, CEO of mLabs.

What are the differentiators of the Social Media Pro course?The course taught by Bárbara Duarte and Marcio Silva, professionals with extensive market experience and responsible for mLabs' social media, has as its main differentiator the content focused on practical application. The classes are designed so that participants can, from the beginning, apply the learnings in their daily lives, focusing on concrete results.

Additionally, students receive a completion certificate, which adds value to their resume and helps increase competitiveness in selection processes and new job opportunities.

Another exclusive benefit is free access for 30 days tomLabs platform, which allows exploring advanced features such as post creation and scheduling, monitoring, and performance analysis. With this, the enrolled have the chance to apply their knowledge in a dynamic professional environment.

"Our goal is to provide students with a complete immersion in the social media universe, combining theory, practice, and technology. We believe that the best way to learn is by doing and with the right tools at hand," complements Caio Rigoldi.

Generating knowledge and value for the marketConsolidated in the technology sector for social media management, mLabs is used by over 150,000 brands and agencies and acts as an official partner of the main social media platforms. Today, the company also stands out for its educational initiatives and its commitment to market qualification.

Among the free courses offered are

Now, Social Media Pro joins this portfolio as the main free course. Interested parties can register atplatform site.

Digital advertising on connected TVs: the new strategic territory for brands and advertisers

The evolution of connected TVs (CTV) is reshaping the way content is consumed and transforming the digital communication landscape. Unlike conventional television, this new environment allows for precise targeting based on browsing behaviors, viewing history, and purchasing interests. In this context, companies that invest in integrated strategies, combining artificial intelligence, interactivity, and retail data, have been achieving better results.

According to Bruno Belardo, VP of Sales atUS MediaCTV ceases to be an isolated channel to take on a leading role in a broader digital journey. "Advertising on CTV needs to be connected to different touchpoints with the consumer. When well-structured, it combines qualified reach and technology to deliver relevant messages at the right moment," he states.

The advancement of the AVOD (Advertising-Based Video on Demand) model, in which users agree to watch free content with advertisements, reinforces the scenario. Today, four out of ten households with a television in Brazil use streaming platforms, according to the Continuous PNAD/IBGE. Comscore reports that 32% of viewers seek more information online after being impacted by ads displayed on smart TVs.

Precision, context, and technology as alliesUnlike broadcast TV, CTV enables large-scale personalization. It's no longer about reaching a large audience with the same message, but rather delivering the right message to the right person at the right time. This maximizes the impact and return on advertising investment. Behavioral data, AI andmachine learning"they combine to create adaptable and dynamic ads, taking into account each user's viewing history, preferences, and consumption context," comments the executive.  

On the other hand, the fragmentation of the CTV market, with its wide range of devices and platforms, makes audience measurement a challenge. Ensuring that ads reach the target audience requires advanced technological solutions. "Resources such as contextual data, device synchronization like Household Sync, and measurement tools like Nielsen Streaming Signals are essential to optimize campaigns and accurately assign demographic information to viewers," completes Belardo.

"Whether it's a food advertisement aired during a cooking show or a sports brand activation during live broadcasts, context-based personalization creates greater audience engagement," explains Bruno. Currently, 45% of users expect ads to reflect their personal tastes and daily habits, also according to a Comscore survey.

Another competitive advantage arises from the union of CTV and Retail Media. By cross-referencing consumption data with digital behavior, companies can create more targeted campaigns with high measurement capability. Solutions like Shoppable Ads, which allow viewers to access offers via QR Code on the screen itself, have gained strength by shortening the path between impact and purchase. Not for nothing, GroupM's projection is that by 2025, global investment in Retail Media will surpass traditional television advertising, reaching $176.9 billion and accounting for 15.9% of the worldwide advertising budget.

Integrated media and channel complementarityFor Bruno Belardo, the true potential of CTV lies in its ability to work together with other channels. "Today, no media alone can keep up with the entire consumer journey. The combination of different formats, from the massive reach of traditional TV to the precision of CTV, including Retail Media conversion, out-of-home media reinforcing the brand's presence in the consumer's daily life, and digital measurement, is what ensures more efficient campaigns connected to the audience's real behavior," he states.

With 78% of Brazilians with access to connected TVs frequently consuming content (Connected TV Brazil Survey, 2023), the current mission is to capture the attention of an increasingly demanding audience. CTV has already established itself as a strategic component for brands that want to combine creativity, data, and technology to generate real and measurable impact.

Luft Logistics bets on Artificial Intelligence as a growth engine

The ecosystem ofLuft Logisticscreated theLuft Innovatorsa cultural contest aimed at its more than 10,000 direct and outsourced employees. The goal is to encourage the adoption and creative, responsible exploration of Artificial Intelligence (AI) in the corporate environment, promoting a culture of innovation and technological leadership among professionals within the organization.  

The Luft Innovators emerge at a strategic moment for the company, which has been distinguished by implementing solutions aimed at increasing business efficiency and accelerating its clients' sales. With digital transformation on the rise and AI establishing itself as one of the main disruptive technologies of today, Luft reinforces its commitment to technological innovation by creating an initiative that directly involves building an internal AI culture.  

Artificial intelligence as a tool for innovation 

In this first phase, the competition aims to challenge employees to explore the potential of AI to solve real problems and optimize processes. From January to the end of February, participants received educational content, individually developed their projects using free AI tools available on the market, and submitted their projects. After evaluation by the technical panel, the winning projects of this phase will be announced on the website.https://luft.com.br/prisma-luft/The winners will be awarded a notebook, tablet, or cell phone, in addition to a technology course to enhance their knowledge.

Why bet on AI culture? 

Artificial intelligence has proven to be a powerful ally in transforming logistics processes. In the case of Luft Logistics, AI is already part of operations, from task automation to demand forecasting, route optimization, inventory management, and customer service (SAC), enabling faster, more efficient, and sustainable operations.  

"Technology alone does not solve problems; it is people who bring innovations to life," Gustavo Saraiva, CIO of Luft Logistics."More than technology, this competition is showing us the importance of dialogue between fields and diversity of thoughts, demonstrating that our strength lies in collaboration and a vision beyond routines. Approximately 70% of the projects submitted at this stage of the competition did not come from the IT (Information Technology) field, proving that innovation transcends silos," says Saraiva.

A trajectory of innovation 

Luft Logistics has built its reputation by integrating logistics solutions focused on the growth of its clients. Over the years, the company has expanded its operations to various sectors, including agribusiness, healthcare, and retail, establishing itself as alogtechfrom the tip.  

Today, Luft goes far beyond traditional logistics. Their services encompass full service operations, full commerce, and systems that turn logistics into a business enhancer. With intensive use of technology, the company creates competitiveness for its clients, connecting markets and simplifying complex processes.  

As startups in the Luft ecosystem – Agrega Agro, Agrega Aí, and Armazenaí – exemplify this integrated and innovative vision. Agrega Agro, for example, offers digital solutions for agribusiness, while Agrega Aí specializes in technology for e-commerce and retail. Armazenaí facilitates the physical and digital logistics of small businessessellerse-commerce.  

Expected impact 

"We want each employee to feel like an agent of transformation within the company," says Luciano Luft, founder and CEO of Luft Logistics. "With Luft's Innovators, we are planting the seeds of an innovation culture that will benefit the entire ecosystem of people and businesses. The initiative reflects our commitment to the continuous development of our workforce, offering mentoring and technological resources that empower employees to seize the opportunities brought by the digital revolution," he concludes.

Former Decolar president raises R$ 3 million for investment in the startup Recicla Lead

The Bahian startup Recicla Lead CRM secured financial backing in negotiations with Bravo3, an investment fund specialized in leveraging resources for emerging businesses. The contribution amounts to around R$ 3 million to expand the commercial operations of dealerships and auto resellers, increase sales, and generate other profits for the stores.

The pilot project, implemented in over 60 stores and dealerships, showed a growth of up to 30% in the revenue of these participating companies. From then on, the expansion began to over 3,500 car dealerships across all states of Brazil. They are now beginning negotiations for entry into Mexico, Colombia, and Portugal.

The investment also foresees that Recicla Lead CRM will invest resources in other growing segments, such as the pet market, including products and services for pets. About 3,000 pet shops will start to have access to the tool, with the development of new features and integrations.

Recicla Lead CRM is a customer relationship management (CRM) platform with marketing automation and F&I. (F&I is the abbreviation for Financial and Insurance, which in Portuguese means financing and insurance), which besides recovering potential abandoned customers, turns them into business and exponentially increases store revenue.

Bravo3 is led by CEO Daniel Bento, former president of Decolar, who served as an advisor introducing investor Luiz Sacramento, founder and former CEO of Pinpag, a payment solutions company, who decided to bet on Recicla Lead. Immediately after being introduced to the project, I was captivated by the possibilities of having a true hub of products and services aimed at the automotive market, where I had previously worked with Pinpag in earlier years. The principle of using strategic partnerships that add value to the product, as well as the quality and knowledge of the other investors, were fundamental in my decision to be part of this successful team.

Bento states: "I have extensive experience with startups, so we offer to help with some guidance, and I got involved. I know little about the automotive market, but we are talking about a highly fragmented segment, poorly professionalized, although car salespeople are highly specialized in what they do, they have limited knowledge of technical tools to improve sales. It is a needy segment that moves a lot of money, and because of the large volume of transactions, it allows people to do things their way, without much dynamics."

According to Bento, "we want to help exactly this retail sector that lacks technology and knowledge to operate on equal footing with the major market competitors. This is the biggest challenge of Recicla Lead: to make small retailers capable of competing with large automotive sales chains. This entire organized process is what we understand they need; the salesperson doesn't need to convert everything but needs a technology partner to help them face the giants, and this will convert much more than just the salesperson's good talk."

He states that "retail needs to know that it can control better, be more efficient in serving its customer, even if it's the father, the mother, and the child, acting as salespeople for the small retailer. It's about using technology to your advantage to solve the problems of your segment."

Daniel Bento has been in Germany for 9 years and from there manages Bravo3's business, stays attentive to the innovation market, and sees that potential businesses can grow exponentially, leading him to select startups in which the company will invest. He is a specialist in Business Strategies and Innovation from The Wharton School and has worked at Braspag. Today, there is participation in a company based in Switzerland called Transfero Group and another called Octuspay, which is headquartered in Fort Lauderdale, United States, but most of the current business is in Brazil, including Starfusion, Onfly, ETS, Startgi, and Konduto.

With all the expertise in tourism business and payment methods, he assesses that the problems faced by the segments are similar in difficulty level; the challenges are strategic. "My business is to strengthen the entrepreneur so that they can turn their idea into a successful business. The entrepreneur must address the pain they discover."

Initially focused on the automotive sector, the solution, which has already demonstrated significant results in a pilot project at dealerships, now arrives with the promise of optimizing sales processes and boosting revenue for multi-brand dealerships across the country. The inclusive platform is already being used in a pilot project at some Audi dealerships.

The CEO Daniel Carvalho Cruz is in charge of the company Recicla Lead CRM, and has the expertise of participating in the growth project of Ifood, where he was one of the responsible for implementing the system, among other startups in more than 14 countries in South and Central America. And it highlights the passion for working with emerging brands. We use the same techniques to help expand these businesses. We work for small businesses with the same energy.

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