{
  "dataset": "Insurers Global — Insurance Companies Directory (Africa and Europe)",
  "version": "2026-09-03+625f5a6ecf49",
  "verified": "2026-09-03",
  "licence": "CC BY 4.0 — attribute KAFS North America (Kenbright Actuarial and Financial Services North America), https://insurers.global",
  "data": {
    "slug": "austria",
    "name": "Austria",
    "workbookName": "Austria",
    "continent": "europe",
    "iso2": "AT",
    "iso3": "AUT",
    "isoNum": "040",
    "composite": null,
    "region": "central-europe",
    "regulator": {
      "name": "Finanzmarktaufsicht (FMA)",
      "acronym": "FMA",
      "website": "https://fma.gv.at",
      "regime": null,
      "registerSource": "EIOPA Register of Insurance Undertakings export (3 Sep 2026)"
    },
    "currency": "EUR",
    "total": 72,
    "byClass": {
      "not-stated-in-register": 66,
      "life": 3,
      "reinsurer": 1,
      "specialty-credit-captive": 2
    },
    "byGroupType": {
      "pan-european-group": 12,
      "domestic-private": 18,
      "mutual-cooperative": 39,
      "state-owned-parastatal": 2,
      "foreign-multinational": 1
    },
    "verification": {
      "level": "verified",
      "status": "Verified - full EIOPA register",
      "source": "EIOPA export, 71 domestic undertakings / 3rd-country branches",
      "corrections": "Class and group inferred from name - see Master List basis columns"
    },
    "marketNotes": [],
    "url": "https://insurers.global/countries/austria/",
    "api": "https://insurers.global/api/v1/countries/austria.json",
    "insurers": [
      {
        "slug": "austria-helvetia-schweizerische-versicherungsgesellschaft-ag-direktion-fuer-oesterreich",
        "name": "Helvetia Schweizerische Versicherungsgesellschaft AG, Direktion fuer Oesterreich",
        "class": "not-stated-in-register",
        "classCode": "U",
        "group": "Helvetia",
        "groupSlug": "helvetia",
        "groupType": "pan-european-group",
        "verification": "verified",
        "notes": "Third-country branch (Art. 162 Solvency II); Head office in Switzerland",
        "url": "https://insurers.global/insurers/austria-helvetia-schweizerische-versicherungsgesellschaft-ag-direktion-fuer-oesterreich/"
      },
      {
        "slug": "austria-allianz-elementar-lebensversicherungs-aktiengesellschaft",
        "name": "Allianz Elementar Lebensversicherungs-Aktiengesellschaft",
        "class": "life",
        "classCode": "L",
        "group": "Allianz",
        "groupSlug": "allianz",
        "groupType": "pan-european-group",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-allianz-elementar-lebensversicherungs-aktiengesellschaft/"
      },
      {
        "slug": "austria-austrion-life-insurance-ag",
        "name": "austrion Life Insurance AG",
        "class": "life",
        "classCode": "L",
        "group": "Independent",
        "groupSlug": null,
        "groupType": "domestic-private",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-austrion-life-insurance-ag/"
      },
      {
        "slug": "austria-merkur-lebensversicherung-aktiengesellschaft",
        "name": "Merkur Lebensversicherung Aktiengesellschaft",
        "class": "life",
        "classCode": "L",
        "group": "Merkur",
        "groupSlug": "merkur",
        "groupType": "mutual-cooperative",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-merkur-lebensversicherung-aktiengesellschaft/"
      },
      {
        "slug": "austria-rvv-rueckversicherungsverein-auf-gegenseitigkeit-der-kleinen-versicherungsvereine-auf-gegenseitigkeit",
        "name": "RVV Rueckversicherungsverein auf Gegenseitigkeit der kleinen Versicherungsvereine auf Gegenseitigkeit",
        "class": "reinsurer",
        "classCode": "R",
        "group": "Mutual / cooperative",
        "groupSlug": null,
        "groupType": "mutual-cooperative",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-rvv-rueckversicherungsverein-auf-gegenseitigkeit-der-kleinen-versicherungsvereine-auf-gegenseitigkeit/"
      },
      {
        "slug": "austria-acredia-versicherung-ag",
        "name": "Acredia Versicherung AG",
        "class": "not-stated-in-register",
        "classCode": "U",
        "group": "Independent",
        "groupSlug": null,
        "groupType": "domestic-private",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-acredia-versicherung-ag/"
      },
      {
        "slug": "austria-allianz-elementar-versicherungs-aktiengesellschaft",
        "name": "Allianz Elementar Versicherungs-Aktiengesellschaft",
        "class": "not-stated-in-register",
        "classCode": "U",
        "group": "Allianz",
        "groupSlug": "allianz",
        "groupType": "pan-european-group",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-allianz-elementar-versicherungs-aktiengesellschaft/"
      },
      {
        "slug": "austria-apk-versicherung-ag",
        "name": "APK Versicherung AG",
        "class": "not-stated-in-register",
        "classCode": "U",
        "group": "Independent",
        "groupSlug": null,
        "groupType": "domestic-private",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-apk-versicherung-ag/"
      },
      {
        "slug": "austria-atzbacher-versicherung-verein-auf-gegenseitigkeit",
        "name": "Atzbacher Versicherung Verein auf Gegenseitigkeit",
        "class": "not-stated-in-register",
        "classCode": "U",
        "group": "Independent",
        "groupSlug": null,
        "groupType": "domestic-private",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-atzbacher-versicherung-verein-auf-gegenseitigkeit/"
      },
      {
        "slug": "austria-brandschadenversicherungsverein-auf-gegenseitigkeit-seekirchen",
        "name": "Brandschadenversicherungsverein auf Gegenseitigkeit Seekirchen",
        "class": "not-stated-in-register",
        "classCode": "U",
        "group": "Mutual / cooperative",
        "groupSlug": null,
        "groupType": "mutual-cooperative",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-brandschadenversicherungsverein-auf-gegenseitigkeit-seekirchen/"
      },
      {
        "slug": "austria-bregenzerwaelder-vieh-und-pferdeversicherungsverein-auf-gegenseitigkeit",
        "name": "Bregenzerwaelder Vieh- und Pferdeversicherungsverein auf Gegenseitigkeit",
        "class": "not-stated-in-register",
        "classCode": "U",
        "group": "Mutual / cooperative",
        "groupSlug": null,
        "groupType": "mutual-cooperative",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-bregenzerwaelder-vieh-und-pferdeversicherungsverein-auf-gegenseitigkeit/"
      },
      {
        "slug": "austria-donau-versicherung-ag-vienna-insurance-group",
        "name": "DONAU Versicherung AG Vienna Insurance Group",
        "class": "not-stated-in-register",
        "classCode": "U",
        "group": "VIG",
        "groupSlug": "vig",
        "groupType": "pan-european-group",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-donau-versicherung-ag-vienna-insurance-group/"
      },
      {
        "slug": "austria-eberschwanger-versicherungsverein",
        "name": "Eberschwanger Versicherungsverein",
        "class": "not-stated-in-register",
        "classCode": "U",
        "group": "Mutual / cooperative",
        "groupSlug": null,
        "groupType": "mutual-cooperative",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-eberschwanger-versicherungsverein/"
      },
      {
        "slug": "austria-enns-und-paltentaler-versicherungsverein-auf-gegenseitigkeit",
        "name": "Enns- und Paltentaler Versicherungsverein auf Gegenseitigkeit",
        "class": "not-stated-in-register",
        "classCode": "U",
        "group": "Mutual / cooperative",
        "groupSlug": null,
        "groupType": "mutual-cooperative",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-enns-und-paltentaler-versicherungsverein-auf-gegenseitigkeit/"
      },
      {
        "slug": "austria-ergo-versicherung-aktiengesellschaft",
        "name": "ERGO Versicherung Aktiengesellschaft",
        "class": "not-stated-in-register",
        "classCode": "U",
        "group": "Munich Re",
        "groupSlug": "munich-re",
        "groupType": "pan-european-group",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-ergo-versicherung-aktiengesellschaft/"
      },
      {
        "slug": "austria-europaeische-reiseversicherung-aktiengesellschaft",
        "name": "Europaeische Reiseversicherung Aktiengesellschaft",
        "class": "not-stated-in-register",
        "classCode": "U",
        "group": "Independent",
        "groupSlug": null,
        "groupType": "domestic-private",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-europaeische-reiseversicherung-aktiengesellschaft/"
      },
      {
        "slug": "austria-gegenseitiger-brandschaden-versicherungs-verein-aschbach",
        "name": "Gegenseitiger Brandschaden Versicherungs Verein Aschbach",
        "class": "not-stated-in-register",
        "classCode": "U",
        "group": "Independent",
        "groupSlug": null,
        "groupType": "domestic-private",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-gegenseitiger-brandschaden-versicherungs-verein-aschbach/"
      },
      {
        "slug": "austria-gegenseitiger-brandschaden-versicherungsverein-nockberge",
        "name": "Gegenseitiger Brandschaden-Versicherungsverein Nockberge",
        "class": "not-stated-in-register",
        "classCode": "U",
        "group": "Mutual / cooperative",
        "groupSlug": null,
        "groupType": "mutual-cooperative",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-gegenseitiger-brandschaden-versicherungsverein-nockberge/"
      },
      {
        "slug": "austria-generali-versicherung-ag",
        "name": "Generali Versicherung AG",
        "class": "not-stated-in-register",
        "classCode": "U",
        "group": "Generali",
        "groupSlug": "generali",
        "groupType": "pan-european-group",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-generali-versicherung-ag/"
      },
      {
        "slug": "austria-gitzmairische-versicherung-versicherungsverein-auf-gegenseitigkeit",
        "name": "Gitzmairische Versicherung, Versicherungsverein auf Gegenseitigkeit",
        "class": "not-stated-in-register",
        "classCode": "U",
        "group": "Mutual / cooperative",
        "groupSlug": null,
        "groupType": "mutual-cooperative",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-gitzmairische-versicherung-versicherungsverein-auf-gegenseitigkeit/"
      },
      {
        "slug": "austria-grazer-wechselseitige-versicherung-aktiengesellschaft",
        "name": "Grazer Wechselseitige Versicherung Aktiengesellschaft",
        "class": "not-stated-in-register",
        "classCode": "U",
        "group": "GRAWE",
        "groupSlug": "grawe",
        "groupType": "mutual-cooperative",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-grazer-wechselseitige-versicherung-aktiengesellschaft/"
      },
      {
        "slug": "austria-hdi-versicherung-ag",
        "name": "HDI Versicherung AG",
        "class": "not-stated-in-register",
        "classCode": "U",
        "group": "Talanx",
        "groupSlug": "talanx",
        "groupType": "pan-european-group",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-hdi-versicherung-ag/"
      },
      {
        "slug": "austria-helvetia-versicherungen-ag",
        "name": "Helvetia Versicherungen AG",
        "class": "not-stated-in-register",
        "classCode": "U",
        "group": "Helvetia",
        "groupSlug": "helvetia",
        "groupType": "pan-european-group",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-helvetia-versicherungen-ag/"
      },
      {
        "slug": "austria-hohenauer-versicherung-auf-gegenseitigkeit",
        "name": "Hohenauer Versicherung auf Gegenseitigkeit",
        "class": "not-stated-in-register",
        "classCode": "U",
        "group": "Independent",
        "groupSlug": null,
        "groupType": "domestic-private",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-hohenauer-versicherung-auf-gegenseitigkeit/"
      },
      {
        "slug": "austria-kaerntner-landesversicherung-auf-gegenseitigkeit",
        "name": "Kaerntner Landesversicherung auf Gegenseitigkeit",
        "class": "not-stated-in-register",
        "classCode": "U",
        "group": "Public / state-linked",
        "groupSlug": null,
        "groupType": "state-owned-parastatal",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-kaerntner-landesversicherung-auf-gegenseitigkeit/"
      },
      {
        "slug": "austria-kremsmuensterer-versicherungsverein-auf-gegenseitigkeit",
        "name": "Kremsmuensterer Versicherungsverein auf Gegenseitigkeit",
        "class": "not-stated-in-register",
        "classCode": "U",
        "group": "Mutual / cooperative",
        "groupSlug": null,
        "groupType": "mutual-cooperative",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-kremsmuensterer-versicherungsverein-auf-gegenseitigkeit/"
      },
      {
        "slug": "austria-merkur-versicherung-aktiengesellschaft",
        "name": "Merkur Versicherung Aktiengesellschaft",
        "class": "not-stated-in-register",
        "classCode": "U",
        "group": "Merkur",
        "groupSlug": "merkur",
        "groupType": "mutual-cooperative",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-merkur-versicherung-aktiengesellschaft/"
      },
      {
        "slug": "austria-muki-versicherungsverein-auf-gegenseitigkeit",
        "name": "MuKi Versicherungsverein auf Gegenseitigkeit",
        "class": "not-stated-in-register",
        "classCode": "U",
        "group": "Mutual / cooperative",
        "groupSlug": null,
        "groupType": "mutual-cooperative",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-muki-versicherungsverein-auf-gegenseitigkeit/"
      },
      {
        "slug": "austria-niederkappler-st-johanner-versicherung-versicherungsverein-auf-gegenseitigkeit",
        "name": "Niederkappler - St. Johanner Versicherung Versicherungsverein auf Gegenseitigkeit",
        "class": "not-stated-in-register",
        "classCode": "U",
        "group": "Mutual / cooperative",
        "groupSlug": null,
        "groupType": "mutual-cooperative",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-niederkappler-st-johanner-versicherung-versicherungsverein-auf-gegenseitigkeit/"
      },
      {
        "slug": "austria-niederoesterreichische-versicherung-ag",
        "name": "Niederoesterreichische Versicherung AG",
        "class": "not-stated-in-register",
        "classCode": "U",
        "group": "Independent",
        "groupSlug": null,
        "groupType": "domestic-private",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-niederoesterreichische-versicherung-ag/"
      },
      {
        "slug": "austria-oberoesterreichische-versicherung-aktiengesellschaft",
        "name": "Oberoesterreichische Versicherung Aktiengesellschaft",
        "class": "not-stated-in-register",
        "classCode": "U",
        "group": "Independent",
        "groupSlug": null,
        "groupType": "domestic-private",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-oberoesterreichische-versicherung-aktiengesellschaft/"
      },
      {
        "slug": "austria-oesterreichische-beamtenversicherung-versicherungsverein-auf-gegenseitigkeit",
        "name": "Oesterreichische Beamtenversicherung Versicherungsverein auf Gegenseitigkeit",
        "class": "not-stated-in-register",
        "classCode": "U",
        "group": "Mutual / cooperative",
        "groupSlug": null,
        "groupType": "mutual-cooperative",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-oesterreichische-beamtenversicherung-versicherungsverein-auf-gegenseitigkeit/"
      },
      {
        "slug": "austria-pferdeversicherungsverein-auf-gegenseitigkeit-pram",
        "name": "Pferdeversicherungsverein auf Gegenseitigkeit Pram",
        "class": "not-stated-in-register",
        "classCode": "U",
        "group": "Mutual / cooperative",
        "groupSlug": null,
        "groupType": "mutual-cooperative",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-pferdeversicherungsverein-auf-gegenseitigkeit-pram/"
      },
      {
        "slug": "austria-porsche-versicherungs-aktiengesellschaft",
        "name": "Porsche Versicherungs Aktiengesellschaft",
        "class": "not-stated-in-register",
        "classCode": "U",
        "group": "Independent",
        "groupSlug": null,
        "groupType": "domestic-private",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-porsche-versicherungs-aktiengesellschaft/"
      },
      {
        "slug": "austria-rindvieh-und-pferdeversicherungsverein-auf-gegenseitigkeit-egg",
        "name": "Rindvieh- und Pferdeversicherungsverein auf Gegenseitigkeit Egg",
        "class": "not-stated-in-register",
        "classCode": "U",
        "group": "Mutual / cooperative",
        "groupSlug": null,
        "groupType": "mutual-cooperative",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-rindvieh-und-pferdeversicherungsverein-auf-gegenseitigkeit-egg/"
      },
      {
        "slug": "austria-rindviehversicherungsverein-auf-gegenseitigkeit-flaurling",
        "name": "Rindviehversicherungsverein auf Gegenseitigkeit Flaurling",
        "class": "not-stated-in-register",
        "classCode": "U",
        "group": "Mutual / cooperative",
        "groupSlug": null,
        "groupType": "mutual-cooperative",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-rindviehversicherungsverein-auf-gegenseitigkeit-flaurling/"
      },
      {
        "slug": "austria-salzkammergut-versicherung-wechselseitiger-versicherungsverein-a-g",
        "name": "Salzkammergut Versicherung - Wechselseitiger Versicherungsverein a.G.",
        "class": "not-stated-in-register",
        "classCode": "U",
        "group": "Mutual / cooperative",
        "groupSlug": null,
        "groupType": "mutual-cooperative",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-salzkammergut-versicherung-wechselseitiger-versicherungsverein-a-g/"
      },
      {
        "slug": "austria-st-mareiner-versicherung-versicherungsverein-auf-gegenseitigkeit",
        "name": "St. Mareiner Versicherung - Versicherungsverein auf Gegenseitigkeit",
        "class": "not-stated-in-register",
        "classCode": "U",
        "group": "Mutual / cooperative",
        "groupSlug": null,
        "groupType": "mutual-cooperative",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-st-mareiner-versicherung-versicherungsverein-auf-gegenseitigkeit/"
      },
      {
        "slug": "austria-taiskirchner-versicherung-kleiner-versicherungsverein-auf-gegenseitigkeit",
        "name": "Taiskirchner Versicherung, kleiner Versicherungsverein auf Gegenseitigkeit",
        "class": "not-stated-in-register",
        "classCode": "U",
        "group": "Mutual / cooperative",
        "groupSlug": null,
        "groupType": "mutual-cooperative",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-taiskirchner-versicherung-kleiner-versicherungsverein-auf-gegenseitigkeit/"
      },
      {
        "slug": "austria-tennengauer-versicherung-auf-gegenseitigkeit",
        "name": "Tennengauer Versicherung auf Gegenseitigkeit",
        "class": "not-stated-in-register",
        "classCode": "U",
        "group": "Independent",
        "groupSlug": null,
        "groupType": "domestic-private",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-tennengauer-versicherung-auf-gegenseitigkeit/"
      },
      {
        "slug": "austria-tiroler-versicherung-v-a-g",
        "name": "TIROLER VERSICHERUNG V.a.G.",
        "class": "not-stated-in-register",
        "classCode": "U",
        "group": "Independent",
        "groupSlug": null,
        "groupType": "domestic-private",
        "verification": "verified",
        "notes": null,
        "url": "https://insurers.global/insurers/austria-tiroler-versicherung-v-a-g/"
      },
      {
        "slug": "austria-uniqa-insurance-group-ag",
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        "slug": "austria-versicherungsverein-auf-gegenseitigkeit-bartholomaeberg-st-gallenkirch",
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        "slug": "austria-viehversicherungsverein-auf-gegenseitigkeit-alberschwende",
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        "slug": "austria-viehversicherungsverein-auf-gegenseitigkeit-fuer-das-land-vorarlberg",
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        "slug": "austria-viehversicherungsverein-auf-gegenseitigkeit-klostertal-tannberg",
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        "slug": "austria-viehversicherungsverein-oberdorf-dornbirn-versicherungsverein-auf-gegenseitigkeit",
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        "slug": "austria-vienna-insurance-group-ag-wiener-versicherung-gruppe",
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        "classCode": "U",
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        "groupSlug": "vig",
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      {
        "slug": "austria-vorarlberger-landes-versicherung-v-a-g",
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        "slug": "austria-waelder-versicherung-versicherungsverein-auf-gegenseitigkeit",
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        "groupSlug": null,
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        "slug": "austria-walser-versicherung-vag",
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        "slug": "austria-wartberger-versicherung-versicherungsverein-auf-gegenseitigkeit",
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        "slug": "austria-wechselseitige-brandschaden-versicherung-ausseerland",
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      },
      {
        "slug": "austria-wechselseitiger-pferdeversicherungsverein-st-georgen-im-attergau",
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        "class": "not-stated-in-register",
        "classCode": "U",
        "group": "RGA",
        "groupSlug": "rga",
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      },
      {
        "slug": "austria-wechselseitiger-versicherungsverein-bad-goisern",
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        "class": "not-stated-in-register",
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        "groupSlug": null,
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      },
      {
        "slug": "austria-wechselseitiger-versicherungsverein-der-gemeinden-gosau-hallstatt-und-obertraun",
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        "class": "not-stated-in-register",
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        "groupSlug": null,
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      {
        "slug": "austria-wechselseitiger-versicherungsverein-fuer-brandschaeden-in-gerersdorf-noe",
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      {
        "slug": "austria-wechselseitiger-versicherungsverein-schwand-im-innkreis",
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        "groupSlug": null,
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      },
      {
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      },
      {
        "slug": "austria-wechselseitiger-versicherungsverein-wels",
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      },
      {
        "slug": "austria-wiener-stadtische-versicherung-ag-vienna-insurance-group",
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        "classCode": "U",
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        "groupSlug": "vig",
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      {
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      {
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        "group": "Mutual / cooperative",
        "groupSlug": null,
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      },
      {
        "slug": "austria-oesterreichische-hagelversicherung-versicherungsverein-auf-gegenseitigkeit",
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        "group": "Mutual / cooperative",
        "groupSlug": null,
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      },
      {
        "slug": "austria-tierversicherungsverein-andelsbuch-auf-gegenseitigkeit",
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        "groupSlug": null,
        "groupType": "mutual-cooperative",
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    ]
  }
}