{"id":"https://openalex.org/W3122811167","doi":"https://doi.org/10.1017/cbo9780511492372.027","title":"Transmission of monetary policy shocks in Finland: evidence from bank-level data on loans","display_name":"Transmission of monetary policy shocks in Finland: evidence from bank-level data on loans","publication_year":2003,"publication_date":"2003-12-04","ids":{"openalex":"https://openalex.org/W3122811167","doi":"https://doi.org/10.1017/cbo9780511492372.027","mag":"3122811167"},"language":"en","primary_location":{"id":"doi:10.1017/cbo9780511492372.027","doi":"https://doi.org/10.1017/cbo9780511492372.027","is_oa":false,"landing_page_url":"https://doi.org/10.1017/cbo9780511492372.027","pdf_url":null,"source":{"id":"https://openalex.org/S4306462995","display_name":"Cambridge University Press eBooks","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310311721","host_organization_name":"Cambridge University Press","host_organization_lineage":["https://openalex.org/P4310311721","https://openalex.org/P4310311702"],"host_organization_lineage_names":["Cambridge University Press","University of Cambridge"],"type":"ebook platform"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Monetary Policy Transmission in the Euro Area","raw_type":"book-chapter"},"volume":{"id":"https://openalex.org/W1503016752","display_name":"Monetary Policy Transmission in the Euro Area"},"type":"book-chapter","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5035651740","display_name":"Jukka P. Topi","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I181188550","display_name":"Bank of Finland","ror":"https://ror.org/04j3r8z61","country_code":"FI","type":"education","lineage":["https://openalex.org/I181188550"]}],"countries":["FI"],"is_corresponding":false,"raw_author_name":"J. Topi","raw_affiliation_strings":["Suomen Pankki"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Suomen Pankki","institution_ids":["https://openalex.org/I181188550"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5001755440","display_name":"Jouko Vilmunen","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I181188550","display_name":"Bank of Finland","ror":"https://ror.org/04j3r8z61","country_code":"FI","type":"education","lineage":["https://openalex.org/I181188550"]}],"countries":["FI"],"is_corresponding":false,"raw_author_name":"J. Vilmunen","raw_affiliation_strings":["Suomen Pankki"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Suomen Pankki","institution_ids":["https://openalex.org/I181188550"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I181188550"],"apc_list":null,"apc_paid":null,"fwci":3.9417,"has_fulltext":false,"cited_by_count":8,"citation_normalized_percentile":{"value":0.95559846,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":88,"max":94},"biblio":{"volume":null,"issue":null,"first_page":"372","last_page":"380"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10007","display_name":"Monetary Policy and Economic Impact","score":0.8105000257492065,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10007","display_name":"Monetary Policy and Economic Impact","score":0.8105000257492065,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.1873999983072281,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T12137","display_name":"Economic theories and models","score":0.0006000000284984708,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/credit-channel","display_name":"credit channel","score":0.6819999814033508},{"id":"https://openalex.org/keywords/monetary-policy-transmission","display_name":"monetary policy transmission","score":0.925000011920929},{"id":"https://openalex.org/keywords/bank-lending","display_name":"bank lending","score":0.8090000152587891},{"id":"https://openalex.org/keywords/monetary-policy-shocks","display_name":"monetary policy shocks","score":0.7979999780654907},{"id":"https://openalex.org/keywords/bank-size","display_name":"bank size","score":0.6269999742507935},{"id":"https://openalex.org/keywords/bank-liquidity","display_name":"bank liquidity","score":0.9620000123977661},{"id":"https://openalex.org/keywords/bank-capitalization","display_name":"bank capitalization","score":0.8830000162124634},{"id":"https://openalex.org/keywords/finnish-banking-sector","display_name":"Finnish banking sector","score":0.8980000019073486},{"id":"https://openalex.org/keywords/banking-crisis","display_name":"banking crisis","score":0.6200000047683716}],"concepts":[{"id":"https://openalex.org/C126285488","wikidata":"https://www.wikidata.org/wiki/Q178476","display_name":"Monetary policy","level":2,"score":0.6228794455528259},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.5712558627128601},{"id":"https://openalex.org/C556758197","wikidata":"https://www.wikidata.org/wiki/Q580018","display_name":"Monetary economics","level":1,"score":0.4916006028652191},{"id":"https://openalex.org/C6422946","wikidata":"https://www.wikidata.org/wiki/Q857354","display_name":"Panel data","level":2,"score":0.48499199748039246},{"id":"https://openalex.org/C2983848023","wikidata":"https://www.wikidata.org/wiki/Q733553","display_name":"Transmission channel","level":3,"score":0.4787858724594116},{"id":"https://openalex.org/C88583849","wikidata":"https://www.wikidata.org/wiki/Q5183768","display_name":"Credit channel","level":4,"score":0.4705042541027069},{"id":"https://openalex.org/C761482","wikidata":"https://www.wikidata.org/wiki/Q118093","display_name":"Transmission (telecommunications)","level":2,"score":0.43225157260894775},{"id":"https://openalex.org/C127162648","wikidata":"https://www.wikidata.org/wiki/Q16858953","display_name":"Channel (broadcasting)","level":2,"score":0.41882017254829407},{"id":"https://openalex.org/C73283319","wikidata":"https://www.wikidata.org/wiki/Q1416617","display_name":"Financial system","level":1,"score":0.32794296741485596},{"id":"https://openalex.org/C149782125","wikidata":"https://www.wikidata.org/wiki/Q160039","display_name":"Econometrics","level":1,"score":0.23374152183532715},{"id":"https://openalex.org/C185824701","wikidata":"https://www.wikidata.org/wiki/Q1193759","display_name":"Inflation targeting","level":3,"score":0.12780457735061646},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.08490607142448425},{"id":"https://openalex.org/C76155785","wikidata":"https://www.wikidata.org/wiki/Q418","display_name":"Telecommunications","level":1,"score":0.06615722179412842}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1017/cbo9780511492372.027","doi":"https://doi.org/10.1017/cbo9780511492372.027","is_oa":false,"landing_page_url":"https://doi.org/10.1017/cbo9780511492372.027","pdf_url":null,"source":{"id":"https://openalex.org/S4306462995","display_name":"Cambridge University Press eBooks","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310311721","host_organization_name":"Cambridge University Press","host_organization_lineage":["https://openalex.org/P4310311721","https://openalex.org/P4310311702"],"host_organization_lineage_names":["Cambridge University Press","University of Cambridge"],"type":"ebook platform"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Monetary Policy Transmission in the Euro Area","raw_type":"book-chapter"}],"best_oa_location":null,"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/8","display_name":"Decent work and economic growth","score":0.6452000141143799}],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":323,"referenced_works":["https://openalex.org/W70985584","https://openalex.org/W86537917","https://openalex.org/W98790413","https://openalex.org/W140548586","https://openalex.org/W200361559","https://openalex.org/W208089624","https://openalex.org/W227951065","https://openalex.org/W357992563","https://openalex.org/W369396631","https://openalex.org/W574321807","https://openalex.org/W603967365","https://openalex.org/W632551566","https://openalex.org/W655089677","https://openalex.org/W1267255692","https://openalex.org/W1479976690","https://openalex.org/W1480476874","https://openalex.org/W1482241473","https://openalex.org/W1483250751","https://openalex.org/W1484029921","https://openalex.org/W1484053058","https://openalex.org/W1484328279","https://openalex.org/W1484498448","https://openalex.org/W1487030399","https://openalex.org/W1488449625","https://openalex.org/W1489222564","https://openalex.org/W1489258810","https://openalex.org/W1489457981","https://openalex.org/W1491528002","https://openalex.org/W1491876181","https://openalex.org/W1495009347","https://openalex.org/W1495656322","https://openalex.org/W1496674379","https://openalex.org/W1497448176","https://openalex.org/W1497460624","https://openalex.org/W1498524882","https://openalex.org/W1502483416","https://openalex.org/W1504470147","https://openalex.org/W1511798824","https://openalex.org/W1515902561","https://openalex.org/W1517301315","https://openalex.org/W1518529382","https://openalex.org/W1521083593","https://openalex.org/W1521879068","https://openalex.org/W1523102812","https://openalex.org/W1525335282","https://openalex.org/W1529832501","https://openalex.org/W1529977363","https://openalex.org/W1530940483","https://openalex.org/W1534763994","https://openalex.org/W1534950908","https://openalex.org/W1536037028","https://openalex.org/W1536746191","https://openalex.org/W1538452919","https://openalex.org/W1539422778","https://openalex.org/W1539761423","https://openalex.org/W1546523058","https://openalex.org/W1546877737","https://openalex.org/W1548443326","https://openalex.org/W1552142391","https://openalex.org/W1556626870","https://openalex.org/W1556753369","https://openalex.org/W1557832879","https://openalex.org/W1559892731","https://openalex.org/W1560717956","https://openalex.org/W1561324832","https://openalex.org/W1561398298","https://openalex.org/W1566331826","https://openalex.org/W1566936261","https://openalex.org/W1567036892","https://openalex.org/W1567886557","https://openalex.org/W1568703174","https://openalex.org/W1572930125","https://openalex.org/W1573343431","https://openalex.org/W1575819212","https://openalex.org/W1576392466","https://openalex.org/W1577902411","https://openalex.org/W1577977227","https://openalex.org/W1578740441","https://openalex.org/W1581775017","https://openalex.org/W1582168531","https://openalex.org/W1582834989","https://openalex.org/W1583605378","https://openalex.org/W1586716184","https://openalex.org/W1587065682","https://openalex.org/W1587744912","https://openalex.org/W1593905594","https://openalex.org/W1595719476","https://openalex.org/W1595976286","https://openalex.org/W1599033928","https://openalex.org/W1599520774","https://openalex.org/W1599555147","https://openalex.org/W1600013842","https://openalex.org/W1601147714","https://openalex.org/W1604142220","https://openalex.org/W1604639499","https://openalex.org/W1604848448","https://openalex.org/W1605664946","https://openalex.org/W1605669700","https://openalex.org/W1606529381","https://openalex.org/W1606857024","https://openalex.org/W1608533949","https://openalex.org/W1693431528","https://openalex.org/W1760845451","https://openalex.org/W1790313702","https://openalex.org/W1805699599","https://openalex.org/W1811963277","https://openalex.org/W1830908700","https://openalex.org/W1950350025","https://openalex.org/W1955936773","https://openalex.org/W1965707663","https://openalex.org/W1969886729","https://openalex.org/W1969983622","https://openalex.org/W1970899344","https://openalex.org/W1971113188","https://openalex.org/W1977240483","https://openalex.org/W1978775682","https://openalex.org/W1979418603","https://openalex.org/W1982809111","https://openalex.org/W1986989899","https://openalex.org/W1989303492","https://openalex.org/W1994137819","https://openalex.org/W1995872895","https://openalex.org/W1997349792","https://openalex.org/W1999406276","https://openalex.org/W2001221843","https://openalex.org/W2004220372","https://openalex.org/W2006584807","https://openalex.org/W2007350665","https://openalex.org/W2009687916","https://openalex.org/W2011424082","https://openalex.org/W2011906974","https://openalex.org/W2011919111","https://openalex.org/W2018670015","https://openalex.org/W2019459021","https://openalex.org/W2020735396","https://openalex.org/W2023385006","https://openalex.org/W2024892824","https://openalex.org/W2025776324","https://openalex.org/W2027129528","https://openalex.org/W2028995298","https://openalex.org/W2033371825","https://openalex.org/W2034946940","https://openalex.org/W2035387744","https://openalex.org/W2037183268","https://openalex.org/W2038010378","https://openalex.org/W2043402138","https://openalex.org/W2043431305","https://openalex.org/W2045357062","https://openalex.org/W2046834055","https://openalex.org/W2047388766","https://openalex.org/W2047582865","https://openalex.org/W2048699492","https://openalex.org/W2051169853","https://openalex.org/W2052237872","https://openalex.org/W2052441401","https://openalex.org/W2056342019","https://openalex.org/W2056857885","https://openalex.org/W2057211502","https://openalex.org/W2057493144","https://openalex.org/W2060258561","https://openalex.org/W2061969291","https://openalex.org/W2062020804","https://openalex.org/W2062935763","https://openalex.org/W2063155831","https://openalex.org/W2066000206","https://openalex.org/W2069477255","https://openalex.org/W2071434239","https://openalex.org/W2074046543","https://openalex.org/W2074812030","https://openalex.org/W2078125618","https://openalex.org/W2078565364","https://openalex.org/W2078710010","https://openalex.org/W2079911253","https://openalex.org/W2083335474","https://openalex.org/W2083643389","https://openalex.org/W2084328989","https://openalex.org/W2085400276","https://openalex.org/W2086298426","https://openalex.org/W2087755174","https://openalex.org/W2088042026","https://openalex.org/W2088948350","https://openalex.org/W2088966794","https://openalex.org/W2090869025","https://openalex.org/W2093234884","https://openalex.org/W2093274204","https://openalex.org/W2093769532","https://openalex.org/W2093972087","https://openalex.org/W2094334204","https://openalex.org/W2094624934","https://openalex.org/W2096004273","https://openalex.org/W2096361089","https://openalex.org/W2096680578","https://openalex.org/W2098660731","https://openalex.org/W2099648795","https://openalex.org/W2100335818","https://openalex.org/W2101344123","https://openalex.org/W2108157748","https://openalex.org/W2110114533","https://openalex.org/W2111678864","https://openalex.org/W2114316701","https://openalex.org/W2114345969","https://openalex.org/W2115747715","https://openalex.org/W2121034459","https://openalex.org/W2121929762","https://openalex.org/W2122353117","https://openalex.org/W2124115302","https://openalex.org/W2124597406","https://openalex.org/W2124884000","https://openalex.org/W2125331782","https://openalex.org/W2125885346","https://openalex.org/W2127680685","https://openalex.org/W2128484934","https://openalex.org/W2128738261","https://openalex.org/W2133108041","https://openalex.org/W2134246329","https://openalex.org/W2134443358","https://openalex.org/W2136456638","https://openalex.org/W2142259489","https://openalex.org/W2143841915","https://openalex.org/W2145162389","https://openalex.org/W2149088624","https://openalex.org/W2149987483","https://openalex.org/W2150972247","https://openalex.org/W2151050864","https://openalex.org/W2152839769","https://openalex.org/W2153897194","https://openalex.org/W2156339602","https://openalex.org/W2156718885","https://openalex.org/W2157801094","https://openalex.org/W2158686541","https://openalex.org/W2160146921","https://openalex.org/W2161747406","https://openalex.org/W2163111126","https://openalex.org/W2166177548","https://openalex.org/W2167233521","https://openalex.org/W2167623534","https://openalex.org/W2170167618","https://openalex.org/W2172282108","https://openalex.org/W2172399901","https://openalex.org/W2176723585","https://openalex.org/W2182602975","https://openalex.org/W2231422236","https://openalex.org/W2324507998","https://openalex.org/W2343520309","https://openalex.org/W2403035479","https://openalex.org/W2486775312","https://openalex.org/W2615957223","https://openalex.org/W2796930440","https://openalex.org/W2889687103","https://openalex.org/W2890116497","https://openalex.org/W2890465795","https://openalex.org/W2890582035","https://openalex.org/W2890589898","https://openalex.org/W2890941461","https://openalex.org/W2954679522","https://openalex.org/W2954694590","https://openalex.org/W2955197474","https://openalex.org/W2955992303","https://openalex.org/W2966676193","https://openalex.org/W2991848107","https://openalex.org/W2996121507","https://openalex.org/W3021970779","https://openalex.org/W3022960359","https://openalex.org/W3022974262","https://openalex.org/W3026931358","https://openalex.org/W3121194611","https://openalex.org/W3121293400","https://openalex.org/W3121450656","https://openalex.org/W3121517235","https://openalex.org/W3121610474","https://openalex.org/W3121752342","https://openalex.org/W3121935849","https://openalex.org/W3122204225","https://openalex.org/W3122327925","https://openalex.org/W3122345282","https://openalex.org/W3122388830","https://openalex.org/W3122671845","https://openalex.org/W3122812694","https://openalex.org/W3122858800","https://openalex.org/W3122896422","https://openalex.org/W3123122451","https://openalex.org/W3123416450","https://openalex.org/W3123605810","https://openalex.org/W3123782511","https://openalex.org/W3123872358","https://openalex.org/W3123880234","https://openalex.org/W3123899433","https://openalex.org/W3124029291","https://openalex.org/W3124189955","https://openalex.org/W3124419962","https://openalex.org/W3124757963","https://openalex.org/W3124905532","https://openalex.org/W3124943232","https://openalex.org/W3124955107","https://openalex.org/W3125135614","https://openalex.org/W3125344117","https://openalex.org/W3125388365","https://openalex.org/W3125580691","https://openalex.org/W3126076964","https://openalex.org/W3126090116","https://openalex.org/W3145513565","https://openalex.org/W3146166473","https://openalex.org/W3148166264","https://openalex.org/W3150128453","https://openalex.org/W4210365901","https://openalex.org/W4210969759","https://openalex.org/W4236584637","https://openalex.org/W4241687604","https://openalex.org/W4247849208","https://openalex.org/W4254386563","https://openalex.org/W4299354792","https://openalex.org/W4319600218","https://openalex.org/W4385469487","https://openalex.org/W6631148898","https://openalex.org/W6638868895","https://openalex.org/W6640835459","https://openalex.org/W6663243585","https://openalex.org/W6677751080","https://openalex.org/W7017387661","https://openalex.org/W7030091963","https://openalex.org/W7037852340","https://openalex.org/W7057090244","https://openalex.org/W7065856938"],"related_works":["https://openalex.org/W2261293162","https://openalex.org/W7125894843","https://openalex.org/W1564027338","https://openalex.org/W7097937620","https://openalex.org/W3125133147","https://openalex.org/W6939365832","https://openalex.org/W1830909867","https://openalex.org/W3080968029","https://openalex.org/W634335473","https://openalex.org/W7100130909"],"abstract_inverted_index":{"Introduction":[0],"In":[1],"this":[2,150],"chapter":[3,166],"we":[4,127,140],"show":[5],"evidence":[6],"that":[7,30],"bears":[8],"on":[9,102,109,154],"the":[10,13,50,66,104,117,120,129,142,155,165,178,183,186,194,201,208,212,219,225,236,241],"existence":[11,118],"of":[12,16,42,49,62,98,106,119,131,160,164,177,185,200],"credit":[14],"channel":[15,122],"monetary":[17,107,136],"policy":[18,108,137],"in":[19,55,74,123,189,218],"Finland.":[20,124],"We":[21],"estimate":[22,128],"reduced":[23],"form":[24],"dynamic":[25],"equations":[26],"for":[27],"bank":[28,133],"loans":[29,134],"were":[31],"initially":[32],"proposed":[33],"by":[34],"Kashyap":[35],"and":[36,57,71,79,85,139,158,192,210,228],"Stein":[37],"(1995),":[38],"using":[39],"a":[40,174],"panel":[41],"Finnish":[43,202],"banks.":[44,161],"A":[45,60],"more":[46],"detailed":[47],"analysis":[48],"issues":[51],"can":[52],"be":[53],"found":[54],"Topi":[56],"Vilmunen":[58,94],"(2001).":[59],"number":[61],"studies":[63],"have":[64],"addressed":[65],"relationship":[67],"between":[68,145],"financial":[69],"structure":[70],"economic":[72,179],"performance":[73],"Finland":[75],"(Brunila,":[76],"1994;":[77],"Honkapohja":[78],"Koskela,":[80],"1999;":[81,87],"Kajanoja,":[82],"1995;":[83,91],"Kinnunen":[84],"Vihri\u00e4l\u00e4":[86],"M\u00f6rttinen":[88],"2000;":[89],"Saarenheimo,":[90],"Vihri\u00e4l\u00e4,":[92],"1997;":[93],"2002).":[95],"However,":[96],"none":[97],"these":[99],"focuses":[100],"specifically":[101],"identifying":[103],"effects":[105],"bank-lending":[110,121],"supply.":[111],"Our":[112],"contribution":[113],"is":[114,167],"to":[115,135,147,182,246],"test":[116,148],"More":[125],"precisely,":[126],"response":[130,151],"individual":[132],"shocks":[138],"use":[141],"cross-sectional":[143],"differences":[144],"banks":[146],"whether":[149],"depends":[152],"significantly":[153],"size,":[156],"liquidity":[157],"capitalisation":[159],"The":[162],"rest":[163],"structured":[168],"as":[169,238,240],"follows.":[170],"Section":[171,222],"2":[172],"gives":[173],"brief":[175],"account":[176],"development":[180],"prior":[181],"onset":[184],"banking":[187,203],"crisis":[188],"early":[190],"1990s":[191],"reviews":[193],"post-crisis":[195],"\u2013":[196,198],"in-sample":[197],"evolution":[199],"sector.":[204],"It":[205],"also":[206],"presents":[207,224],"data":[209,237],"informs":[211],"reader":[213],"about":[214],"estimation":[215,226,242],"method":[216],"used":[217],"empirical":[220],"analysis.":[221],"3":[223],"results":[227,243],"section":[229],"4":[230],"draws":[231],"some":[232],"conclusions.":[233],"Tables":[234],"summarising":[235],"well":[239],"are":[244],"relegated":[245],"an":[247],"appendix.":[248]},"counts_by_year":[{"year":2021,"cited_by_count":1},{"year":2017,"cited_by_count":1}],"updated_date":"2026-11-04T10:54:05.112534","created_date":"2021-02-01T00:00:00"}
