January 30, 2010

PayPal

PayPal is an e-commerce business allowing payments and money transfers to be made through the Internet. PayPal serves as an electronic alternative to traditional paper methods such as cheques and money orders.

A PayPal account can be funded with an electronic debit from a bank account or by a credit card. The recipient of a PayPal transfer can either request a check from PayPal, establish their own PayPal deposit account or request a transfer to their bank account. PayPal is an example of a payment intermediary service that facilitates worldwide e-commerce.

PayPal performs payment processing for online vendors, auction sites, and other commercial users, for which it charges a fee. It sometimes also charges a transaction fee for receiving money (a percentage of the amount sent plus an additional fixed amount). The fees charged depend on the currency used, the payment option used, the country of the sender, the country of the recipient, the amount sent and the recipient's account type.[2] In addition, eBay purchases made by credit card through PayPal may incur a "foreign transaction fee" if the seller is located in another country, as credit card issuers are automatically informed of the seller's country of origin.

On October 3, 2002, PayPal became a wholly owned subsidiary of eBay.[3] Its corporate headquarters are in San Jose, California, United States at eBay's North First Street satellite office campus. The company also has significant operations in Omaha, Nebraska; Scottsdale, Arizona; and Austin, Texas in the U.S., Chennai, Dublin, Berlin and Tel-Aviv. As of July 2007, across Europe, PayPal also operates as a Luxembourg-based bank.

History
Beginnings

The current incarnation of PayPal is the result of a March 2000 merger between Confinity and X.com.[4] Confinity was founded in December 1998 by Max Levchin, Peter Thiel, Luke Nosek, and Ken Howery, initially as a Palm Pilot payments and cryptography company.[5] X.com was founded by Elon Musk in March 1999, initially as an Internet financial services company. Both Confinity and X.com launched their websites in late 1999. Both companies were located on University Avenue in Palo Alto. Confinity's website was initially focused on reconciling beamed payments from Palm Pilots[6] with email payments as a feature and X.com's website initially featured financial services with email payments as a feature.

At Confinity, many of the initial recruits were alumni of The Stanford Review, also founded by Peter Thiel, and most early engineers hailed from the University of Illinois at Urbana-Champaign, recruited by Max Levchin. On the X.com side, Elon Musk recruited a wide range of technical and business personnel, including many that were critical to the combined company's success, such as Amy Klement, Sal Giambanco, Roelof Botha[7] of Sequoia Capital, Sanjay Bhargava and Jeremy Stoppelman.[8]

To block potentially fraudulent access by automated systems, PayPal used a system (see CAPTCHA) of making the user enter numbers from a blurry picture, which they coined the Gausebeck-Levchin test.[9]

eBay watched the rise in volume of its online payments and realized the fit of an online payment system with online auctions. eBay purchased Billpoint in May 1999, prior to the existence of PayPal. eBay made Billpoint its official payment system, dubbing it "eBay Payments," but cut the functionality of Billpoint by narrowing it to only payments made for eBay auctions. For this reason, PayPal was listed in many more auctions than Billpoint. In February 2000, the PayPal service had an average of approximately 200,000 daily auctions while Billpoint (in beta) had only 4,000 auctions.[10][9][11][12] By April 2000, more than 1,000,000 auctions promoted the PayPal service. [13] PayPal was able to turn the corner and become the first dot-com to IPO after the September 11 attacks.[14]

Acquisition by eBay
n October 2002, PayPal was acquired by eBay for $1.5 billion.[15] PayPal had previously been the payment method of choice by more than fifty percent of eBay users, and the service competed with eBay's subsidiary Billpoint, Citibank's c2it, whose service was closed in late 2003, and Yahoo!'s PayDirect, whose service was closed in late 2004. Western Union announced the December 2005 shut down of their BidPay service but subsequently sold it in 2006 to CyberSource Corporation. BidPay subsequently ceased operations on December 31, 2007. Some competitors which offer some of PayPal's services, such as Google Checkout,Wirecard, Moneybookers, 2Checkout, CCNow and Kagi, remain in business, despite the fact that eBay now requires everyone on its Australian and United Kingdom sites to offer PayPal.[16][17] Eventually eBay moderated its position, and mandated that sellers on eBay Australia offer PayPal as one of the (but not necessarily the only) payment methods.[18] These accepted payment methods include bank deposit, cheques and money orders, escrow, and credit cards (processed by other than PayPal).[19]

In January 2008, PayPal agreed to acquire Fraud Sciences, a privately-held Israeli start-up company with expertise in online risk tools, for $169 million, in order to enhance eBay and PayPal's proprietary fraud management systems and accelerate the development of improved fraud detection tools.[20] In November 2008, the company acquired Bill Me Later, an online payments company offering transactional credit at over 1000 online merchants in the US.[21]

PayPal's total payment volume, the total value of transactions, was US$ 60 billion in 2008, an increase of 27 percent over the previous year.[22] The company continues to focus on international growth and growth of its Merchant Services division, providing e-payments for retailers off eBay.

Business today
Currently, PayPal operates in 190 markets, and it manages over 184 million accounts, more than 73 million of them active. PayPal allows customers to send, receive, and hold funds in 19 currencies worldwide[22]. These currencies are the Australian dollar, Canadian dollar, Chinese renminbi yuan (only available for some Chinese accounts, see below), Euro, pound sterling, Japanese yen, Czech koruna, Danish krone, Hong Kong dollar, Hungarian forint, Israeli new sheqel, Mexican peso, New Zealand dollar, Norwegian krone, Polish zloty, Singapore dollar, Swedish krona, Swiss franc and U.S. dollar. PayPal operates locally in 13 countries.

Residents in 194 markets can use PayPal in their local markets to send money online. These new markets include Peru, Indonesia, the Philippines, Croatia, Fiji, Vietnam and Jordan. A complete list can be viewed at PayPal's website.

PayPal revenues for Q1 2009 were $643 million, up 11 percent year over year. 42 percent of revenues in q1 2009 were from international markets. PayPal's Total Payment Volume (TPV), the total value of transactions in Q1 2009 was nearly $16 billion, up 10 percent year over year.[23]

In 2008, PayPal's TPV off eBay exceeded volume on eBay for the first time. PayPal's Total Payment Volume in 2008 was $60 billion representing nearly 9 percent of global e-commerce and 15 percent of US e-commerce[24]

At an analyst day on March 11, 2009, eBay CEO, John Donahoe announced that PayPal could be a larger driver of revenue than the eBay marketplaces business.[25] RIM announced that PayPal will be the only payment mechanism for its Blackberry App World, which launched on April 1, 2009.[26]

In China PayPal offers two kinds of accounts:

* PayPal.com accounts, for sending and receiving money to/from other PayPal.com accounts. All non-Chinese accounts are PayPal.com accounts, so these accounts may be used to send money internationally.
* PayPal.cn accounts, for sending and receiving money to and from other PayPal.cn accounts.

It is impossible to send money between PayPal.cn accounts and PayPal.com accounts, so PayPal.cn accounts are effectively unable to make international payments. For PayPal.cn, the only supported currency is the renminbi.

Although PayPal's corporate headquarters are located in San Jose, PayPal's operations center is located near Omaha, Nebraska, where the company employs more than 2,000 people as of 2007.[27]. PayPal's European headquarters are in Luxembourg and international headquarters in Singapore. The company also recently opened a technology center in Scottsdale, Arizona, and Chennai India.

PayPalLabs
PayPal's innovation environment, Paypal-Labs.com[28], hosts several outreach and experimental projects such as the storefront application[29], the Myspace and Facebook donation widgets, and the PayPal blog.[30]

Bank status
In the United States, PayPal is licensed as a money transmitter on a state-by-state basis.[31] PayPal is not classified as a bank in the United States, though the company is subject to some of the rules and regulations governing the financial industry including Regulation E consumer protections and the USA PATRIOT Act.[32] On May 15, 2007, PayPal announced that it would move its European operations from the UK to Luxembourg, commencing July 2, 2007 as PayPal (Europe) S.à r.l. & Cie, S.C.A.[33] This would be as a Luxembourg entity regulated as a bank by the Commission de Surveillance du Secteur Financier (CSSF), the Luxembourg equivalent of the FSA.[34] PayPal Luxembourg will then provide the PayPal service throughout the European Union (EU).

Safety and protection policies
The PayPal Buyer Protection Policy states that customers may file a buyer complaint within 45 days if they did not receive an item or if the item they purchased was significantly not as described. If the buyer used a credit card, they might get a refund via chargeback from their credit card company.

According to PayPal, it protects sellers in a limited fashion via the Seller Protection Policy.[35] In general the Seller Protection Policy is intended to protect the seller from certain kinds of chargebacks or complaints if seller meets certain conditions including proof of delivery to the buyer. PayPal states the Seller Protection Policy is "designed to protect sellers against claims by buyers of unauthorized payments and against claims of non-receipt of any merchandise". Note that this contrasts with the consumer protection they offer. This policy should be read carefully before assuming protection. In particular the Seller Protection Policy includes a list of "Exclusions" which itself includes "Intangible goods", "Claims for receipt of goods 'not as described'" and "Total reversals over the annual limit". There are also other restrictions in terms of the sale itself, the payment method and the destination country the item is shipped to (simply having a tracking mechanism is not sufficient to guarantee the Seller Protection Policy is in effect).[36] A class-action lawsuit was filed against PayPal, days after the company's successful initial public offering. [37]

Security
Security key
In early 2006, PayPal introduced an optional security key as an additional precaution against fraud. A user account tied to a security key has a modified login process: the account holder enters their login ID and password, as normal, but is then prompted to press the button on the security key and enter the six-digit number generated by it. This two-factor authentication is intended to prevent an account from being compromised by a malicious third party without access to the physical security key. However, the user (or malicious third party) can alternatively authenticate by providing the credit card or bank account number listed on their account. Thus, the PayPal's implementation does not offer the security of true two-factor authentication.

The key currently costs US$5.00 for all users with no ongoing fees.[38] The option of using a security key with one's account is currently available only to users registered in Australia, Germany, Canada, the United Kingdom and the United States.[39]

MTAN

It is also possible to use a mobile phone to receive an MTAN (Mobile Transaction Authentication Number) via SMS[40] , however this security scheme has known vulnerabilities.[41]
[edit] Regulation

In Europe, PayPal is registered as a bank in Luxembourg under the legal name PayPal (Europe) Sarl et Cie SCA, a company regulated centrally by the Luxembourg bank authority, the Commission de Surveillance du Secteur Financier (CSSF)[42] (note that all of the company's European accounts were transferred to the PayPal's bank in Luxembourg on July 2, 2007.[43]) Prior to this move, PayPal had been registered in the UK as Paypal (Europe) Ltd, an entity which was licensed as an Electronic Money Issuer with the UK's Financial Services Authority (FSA) from 2004. This ceased in 2007, when the company moved to Luxembourg,[44][45] however the Luxembourg entity is still regulated by the FSA, as it is an entity from the European Economic Area which conducts regulated activities in the UK.[46]

In the US, although PayPal has an extensive User Agreement, [47] PayPal is not directly regulated by the U.S. federal government, because it serves as a payment intermediary.[48] The law is unclear as to whether PayPal is a bank, narrow bank, money services business or money transmitter. PayPal could also be subject to state regulation, but state laws vary, as do their definitions of banks, narrow banks, money services businesses and money transmitters. The most analogous regulatory source of law for PayPal transactions comes from P2P payments using credit and debit cards. Ordinarily, a credit card transaction, specifically the relationship between the issuing bank and the cardholder, is governed by the Truth in Lending Act (TILA) 15 U.S.C. §§ 1601-1667f as implemented by Regulation Z, 12 C.F.R. pt. 226, (TILA/Z). TILA/Z requires specific procedures for billing errors, dispute resolution and limits cardholder liability for unauthorized charges. [49] Similarly, the legal relationship between a debit cardholder and the issuing bank is regulated by the Electronic Funds Transfer Act (EFTA) 15 U.S.C. §§ 1693-1693r, as implemented by Regulation E, 12 C.F.R. pr. 205, (EFTA/E). EFTA/E is directed at consumer protection and provides strict error resolution procedures. [50] However, because PayPal is a payment intermediary and not otherwise regulated directly, TILA/Z and EFTA/E do not operate exactly as written once the credit/debit card transaction occurs via PayPal. Basically, unless a PayPal transaction is funded with a credit card, the consumer has no recourse in the event of fraud by the seller.[citation needed]
[edit] Fraud

Money transfers via PayPal create an inherent risk of fraud due to the impersonal nature of internet commerce and the gap in regulatory treatment of PayPal transactions. The existing fraud protection regulations, EFTA/E and TILA/Z, do not apply to P2P account holders as they do debit/credit card transactions outside of a P2P payment service.

If an unauthorized third party obtains and uses someone's PayPal login information and completes a transaction using the accountholder's debit or credit card, EFTA/E and TILA/Z make PayPal responsible for the breach. There are, of course, fact specific exceptions to this rule. One is if funds are illicitly withdrawn from a PayPal deposit account. In that situation, neither PayPal nor the bank is required to return the funds, because the agreement between a consumer and PayPal makes those types of transactions authorized. [51]

PayPal account holders' private information is marginally protected under one federal law. Since PayPal is a financial institution under the Gramm-Leach-Bliley Act (GLB), it cannot disclose its account holders' non-public personal information to third parties unless account holders opt in to those disclosures. [52]

If an account is subject to fraud or unauthorized use, PayPal puts the "Limited Access" designation on the account. At this point, the account holder must:

* Log in
* Reset their password
* Develop a set of security questions (based on the hypothetical and not fact — e.g. "What is your favorite ice cream?" not "What is your mother's maiden name?")
* Verify location by landline phone or by mail
Phishing

PayPal has developed substantial anti-Phishing resources,[53] for identifying and reporting phishing. PayPal encourages consumers to report all phishing emails to them, to better equip them in fighting this phenomenon.
[edit] Entrepreneurship by former employees

A number of companies have been started and funded by former PayPal employees. This trend prompted The New York Times to publish a story entitled, "It Pays to Have Pals in Silicon Valley," that analyzes the connections between several PayPal employees who went on to become influential.[54]

* The Founders Fund, a venture capital firm, was founded by Peter Thiel, Ken Howery, and Luke Nosek. The Founders Fund has invested in companies founded by fellow PayPal alumni, including Slide, Geni, and Yammer.
* LinkedIn was founded by Reid Hoffman, a former VP at PayPal.
* Facebook received its first angel investment from Peter Thiel.
* Clarium Capital Management is a hedge fund run by Peter Thiel. Principal partners at Clarium include Ken Howery and Luke Nosek, both of whom were among the earliest employees at PayPal.
* Slide was founded by Max Levchin, Jared Kopf, and former PayPal board member Scott Banister.
* Yelp was founded by Jeremy Stoppelmann, former VP of Engineering at PayPal, and Russ Simmons, one of the first employees at PayPal. Yelp is funded by Max Levchin.
* YouTube (now owned by Google) was founded by Chad Hurley, Steve Chen, and Jawed Karim, all of whom were early employees at PayPal. YouTube is funded by Sequoia Capital. Roelof Botha, the former CFO of PayPal, is a partner of Sequoia Capital who sits on YouTube's board of directors.
* Room 9 Entertainment, which produced the movie Thank You for Smoking, was founded by David O. Sacks, who founded PayPal's Product Group and later served as Chief Operating Officer (COO).
* Geni.com and Yammer.com were also founded by David O. Sacks.
* SpaceX was founded by Elon Musk, who founded X.com and served as the CEO following its merger with PayPal.
* Anchor Intelligence is run by Ken Miller, who was VP of Risk Management at PayPal and the architect of PayPal's anti-fraud system.
* Tesla Motors' principal owner and newly minted CEO / Chairman of the Board is Elon Musk.
* HourTown was founded by Ryan Donahue, an early product designer at PayPal.
* TradeVibes was founded by several early PayPal employees

From Wikipedia, the free encyclopedia

Backlinks: What they are and how to get them by Angela V. Edwards

Sometimes called inbound links, backlinks are the lifeblood of Search Engine Positioning. In order for a website to be on the top of search engines like Google without the webmaster having to pay big money for advertising, the website has to have a large number of backlinks. Backlinks are links on one website that lead back to another website. The more established, high quality, and high Page Rank the website that contains the link has, the more power it has to help the linked website with its search engine position. If the website that is getting backlinks gets many High Quality and High Page Rank backlinks, the better the chance it has of being in a high position on the Search Engines.

How does a webmaster go about getting high quality backlinks to his or her website? There are many ways this can be done. Some people advocate writing and submitting articles, posting on forums, making comments on blogs. Others talk about submitting their website to various Internet directories. One directory that has an excellent reputation is called DMOZ, or the “Open Directory”. This directory is probably the most respected directory online today. The websites it contains have all been placed there by human editors; there is no “automation” to this directory. The only drawback that's been discussed about this directory is that it takes so long to have a website included.

Another way that many people build backlinks for their website is to use Social Bookmarking websites. A “Social Bookmark” is a website that usually has a very popular 'community' aspect to it. Users sign up and create profiles on the sites that contain photos and information about themselves. They then can save “bookmarks” of favorite websites which can be itemized by 'tags', which are one or two word descriptions of what the sites contain, and these bookmarks can be saved to a list that's private or can be listed publicly, so that everybody can see it.

With the advent of what is known as Web 2.0, gaining backlinks is easier now than in any time in the history of the internet. Most sites now have an “interactive” quality to them nowadays. Readers can often sign in and create profiles. They then are often allowed to post comments on the stories or articles on the website or blog. In many cases, the website or blog owner responds to these comments; thus making this section of the website or blog a conversation.

Backlinking strategies can be easy and fun and the website owner who is working on getting more backlinks for his website can learn new things, meet new people, and have a tremendous amount of fun doing something that was once a chore: building backlinks.

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The Last Word in PPC vs. Article Marketing

By Valerie Mellema (c) 2009

There is always a big discussion when it comes to comparing two of the best ways to advertise online: PPC (Pay-Per-Click) advertising and article marketing, otherwise known as "organic" or "natural" search engine optimization. There is no denying that both methods can be effective. However, which method is better? Which gives you a bigger bang for your buck?

You may get varying statistics on this issue, depending on which website you visit for information. Oh yes, this matters, because you have to consider the source of the statistics and who is sponsoring the article. For example, two sources of information (respectively, the Interactive Advertising Bureau (IAB) and ComScore) recently produced studies indicating that PPC advertising was more cost-effective on average. However, did the fact that Yahoo/Overture and Google were sponsoring this major study play any role in determining the final outcome? Of course it did - those are the two biggest PPC companies on the net!

In figuring out which of the two is better, you have to consider cost-effectiveness as well as click-through-rates and direct conversion from visiting user to paying customer. We are going to review some statistics a little bit later on. For now, let's consider some logical points that illustrate how PPC and article marketing differ.
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Search engine result pages display more listings than PPC results, which does have a psychological effect on the user. For some users seeing ten search results (each one relevant to the search) is enough to convince them that there is enough web information on the subject and that "fishing" PPC ads might not be necessary.

The catch is that in order to actually rank in the Top 10 SEO results for your keyword, you have to have relevant website content, not to mention technical prowess in HTML coding. Search engines will be focusing on their proprietary algorithms, or the most relevant websites based on the search term queried. There is no "bribery" here, whereas in PPC, it is quite the opposite: whoever bids highest for each word usually gets the top listing. A quality algorithm definitely plays a part in PPC, but in the end money talks. In article marketing, we haven't quite come to the point where "money talks". The best websites still win the search engine contest and that is an important factor to consider in your marketing campaign.

Even PPC proponents will admit that PPC is largely style over substance. With PPC advertising you are trying to grab attention in just a few loud and occasionally obnoxious words. You direct the user to a carefully crafted page that "sells" the idea. This operation contrasts with article marketing, which doesn't necessarily sell an idea on a single page, nor does it grab attention with a few words. With article marketing, there is an entire article waiting for the visitor, which uses a methodical and "indirect" approach. Assuming you are listed in the Top #10, your listing means that the search engine agrees that your website is the best authority on the keyword subject - for the time being. People in a hurry or on a whim will probably click on PPC. People on a mission will be looking for relevant content on their chosen keyword.

Therefore, the question now becomes which methodology works better for your business? Are you appealing to the fast clicker or the thoughtful user? Let's now consider two sources of statistics for a clearer view of the issue. First, one in favor of article marketing, the next in favor of PPC.

In Favor of Article Marketing

Jakob Nielsen, Ph.D. and principal founder of the Nielsen Norman Group researched the behavior of users who found search engine results pages and noticed some trends. Forty-two percent of users selected the #1 search listing for their result, leaving 58% that selected another Top 10 Result. The #1 site listed held the majority of clicks. This indicates that almost two thirds of Internet users were not content to choose even the #1 listing on a natural SEO search. That means that these users (and the majority of all users) are actually using independent judgment in deciding what links are most relevant to their needs.
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Other related statistics (with sources from ComScore, Webxico, iProspect, SEOResearcher and Hotchkiss, Garrison, and Jensen) concluded that 77% of search users choose organic listings over PPC ads. There were also studies that suggested organic click-through generated 25% higher conversion rates than equivalent PPC click-through.

In Favor of PPC Advertising

Now to be fair, we have to consider some advantages that PPC advertising has. The best feature PPC has is that it gets instantaneous results. SEO advertising takes time, especially if you have a new website just submítted to the all of the major search engines. Yes, this can be frustrating. PPC brings you immediate traffic and sometimes brings in thousands of users. Seeing your Alexa ranking take a drastic jump certainly pumps up your adrenaline!

ComScore recently published statistics in favor of PPC, stating that their studied users had an 18.3% click-through-rate on "paid" search results versus a 4.3% click-through rate for organic search results. The conversion rate was also higher according to ComScore, stating that PPC had a 1.4% versus SEO's 0.6%.
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The Real Issue: Longevity

However, the downside here (even if you didn't contest these suspicious results) is that instant and high volume traffic is, frankly, cheap and not as exciting as it first appears to be. Remember that when you use PPC ads you are making a pitch and capitalizing on your audience's curiosity. When that curiosity fades, they forget your website - especially if it's just a glorified advertisement. PPC campaigns can also be costly and time consuming when you consider your duties as a manager.

Another problematic scenario with PPC is that they have no staying power - unless of course you have thousands of dollars a month to blow in this recession. With article marketing you get more quality traffic, and perhaps more importantly to you, you earn customer trust over time. Internet users aren't stupid, the popularity of Yahoo Answers notwithstanding. Most users know that PPC ads usually aren't relevant to their search - they're just there because someone is consistently paying to get noticed.

You can consider article marketing as an investment that continually pays all through the life of your company (or until you shut the website down) since it generates traffic forever. You can easily spend thousands a month on a brilliant PPC campaign and soon run out of money, meaning your ads go extinct. Therefore, we can conclude that article marketing does have specific advantages over PPC, which are intrinsic because of the differences in operation.

• Article marketing generates traffic forever

• Article marketing improves your natural SEO ranking and backlinks

• Article marketing establishes trust - you appear as a professional in your industry

• Article marketing doesn't cost you extra on top of fees spent on websites, landing pages and superfluous domains

How About Return-On-Investment?

ROI is another key issue, as short-term and long-term profit must equal out. Article marketing, by some authorities appears to have a slower ROI -(especially if you make revenue on CTRs). However, studies suggest that organic ROI is more consistent than PPC. Consider some independent research conducted by popular blogger Gord Hotchkiss who explained the situation in crystal clear terms. Let's say you have 50 high traffic search terms. Now for these 50 terms, there are 2.8 million searches being launched in a month. If statistics like ComScore's are correct and unbiased, that translates to 456,000 visitors thanks to PPC and 153,000 visitors thanks to article marketing.

The total cost of those 456,000 PPC visitors would amount to over $500,000 with an average CPC of $1.18. Even if you work with an SEO company that charges top dollar ($10,000 a month, let's say) you're still paying $10,000 compared to half a million. That means article marketing's virtual CPC amounts to $0.07. Even if you apply PPC's higher conversion rate, 3,647 converted visitors, you are paying $147.08 for each individual person. Compare that to 611 visitors you earned through article marketing - you are paying $16.37 for each visitor. And in doing so, you are also earning a higher quality of customer and generating traffic until the end of days.

Does your final ROI number take into account your total expenses? Absolutely! While both methods of advertising have their place online, when it comes to earning quality traffic, article marketing gets the last word.

About The Author
Words You Want is your one stop resource for all of your writing needs. Words You Want offers a variety of services including SEO packages, article directory submission, SEO article writing, ghostwriting, eBook writing, travel writing, equine writing and more.

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