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☆ Gen Z is transforming office email etiquette — but it could backfire
▼ + stars: | 2024-08-01 | by ( Mikhaila Friel | ) www.businessinsider.com time to read: +4 min

Related storiesAthwal said that the change in etiquette extends beyond out-of-office emails. He said he noticed the change in Gen Z résumés, regular work emails, and Microsoft Teams messages. Daniel Harris, a director at the recruitment firm Robert Walters, told BI that he, too, noticed Gen Z employees signing off emails with fun and informal taglines. Paola Accettola, CEO of the consultancy True North HR, also said that fun out-of-office emails should usually be reserved for coworkers only. Still, it can present problems if a colleague or client misinterprets what is meant to be a funny out-of-office email or email sign-off," she said.

Persons: —, Gen Z, Lucas Botzen, Gen, Steven Athwal, Zers, Athwal, Z, Daniel Harris, Robert Walters, Harris, Botzen, Paola Accettola Organizations: Service, Business, Guardian, Microsoft, Barclays, True

☆ Gen Z isn't 'playing the corporate language game' and won't be circling back to jargon
▼ + stars: | 2024-07-30 | by ( Lindsay Dodgson | ) www.businessinsider.com time to read: +4 min

Office jargon is another corporate relic that Gen Z is unsubscribing from, refusing to "circle back" or get their "ducks in a row." "Gen Z isn't playing the corporate language game," Emily Durham, a recruiter and popular TikToker, told Business Insider. About 60% of the Gen Z and millennials surveyed said this workplace jargon felt like another language, and two-thirds thought their colleagues overdid it. Jargon is exclusionaryThe "corporate accent" is also joining jargon on the list of workplace cultures that Gen Z is resisting. But another may also be how educated Gen Z is on the roots of some of these things.

Persons: —, Emily Durham, Z, millennials, Durham, belligerently, Lisa Beasley, Nick White, Erin, Gen Z, somebody's, Gen Zers, hasn't, I've Organizations: Service, Business Locations: Durham

☆ One way employers can attract Gen Z talent is by ditching résumés, recruiter says
▼ + stars: | 2024-07-29 | by ( Lindsay Dodgson | ) www.businessinsider.com time to read: +7 min

Sophie O'Brien, the founder of the entry-level recruitment service Pollen Careers, told Business Insider that if companies want to hire the best-fitting Gen Z talent, they should ditch asking for a résumé. Gen Z are people aged 12 to 27. O'Brien found success in hiring Gen Z talent with less conventional methods. Advertisement"It's alienating Gen Z," she said. "This is groundbreaking for Gen Z, they absolutely love it," O'Brien said.

Persons: —, Sophie O'Brien, Gen, O'Brien, they'd, Zers, I'm, they've, Gen Z, we've, Majella Lavelle, résumés, Lavelle, Laura Littlehales, Littlehales, David Graham, Mobsta Organizations: Service, Business, CVs, Arsenal, Sporting, aren't, McDonald's

☆ What is 'underconsumption core'? A new trend on TikTok aims to get GenZ to buy less.
▼ + stars: | 2024-07-28 | by ( Hannah Getahun | ) www.businessinsider.com time to read: +4 min

For many Gen Zers, the generation between the ages of 12 and 27, TikTok is the primary social media platform where they find products to buy. Gen Z doesn't really trust influencers anymoreInfluencers don't hold the same power they once did among younger audiences, some research suggests. Because of limited regulation of the social media advertising space, fraud runs rampant on social media . Some evidence suggests Gen Z is benefiting financially from living at home but may not feel these benefits because of money dysmorphia. This dysmorphia can sometimes be fueled by social media, where wealthy lifestyles are on display.

Persons: —, Zers, TikTok, it's, Stanley, Jade Taylor, Gen Z, Influencers, aren't, Gen, Z, Brett House Organizations: Service, Business, New York Times, Times, Yahoo News, Columbia

☆ Some millennials are moving into neighborhoods with built-in golf and yoga that let them live like carefree retirees
▼ + stars: | 2024-07-27 | by ( Jordan Pandy | ) www.businessinsider.com time to read: +8 min

The 13th hole on the Jack Nicklaus Signature Golf Course at Juniper Preserve. The golf course and clubhouse at Hualalai Resort in Hawaii. For Chelsea, a golf course community's "selling point" was simply the ability to enjoy nature. "I could go either way on living on a golf course — it didn't really matter to me," she added. "But the idea that when the golf course is closed, then you have this great big space between you and your neighbors.

Persons: —, Zers, lockdowns, Brandon, Chelsea Lehmann, Jack Nicklaus —, Jack Nicklaus, they're, Brandon Lehmann, Chelsea, Keith Poliakoff, Poliakoff, Kevin McDonald, Xer, Kristie, Kevin, they've, Nick Pantuliano, Pete, Pantuliano, it's Organizations: Service, Business, Juniper Reserve, Chelsea, Government, Group, Golf Foundation, PTM Partners, Juniper Locations: Bend , Oregon, Portland, Juniper, Bend, Brandon, Chelsea, Oregon, Florida, Hawaii, Toronto, Real, St, Petersburg , Florida, St . Petersburg

☆ Charli XCX stopped chasing success when writing ‘Brat’—now it’s her highest-selling album
▼ + stars: | 2024-07-27 | by ( Ashton Jackson | ) www.cnbc.com time to read: +1 min

Inspired by singer Charli XCX's seventh studio album "Brat," which came out last month, large swaths of social media users — primarily Gen Zers — are celebrating the carefree, rebellious lifestyle depicted throughout the record. The trend gained more attention on Sunday after Charli XCX posted "Kamala IS brat" to social media platform X, referencing U.S. vice president Kamala Harris' attitude, age and energy as she campaigns to become the country's first-ever woman president. For Charli XCX, whose given name is Charlotte Aitchison, the brat takeover is unexpected — the album was risky, and could've flopped. But Charli XCX didn't enjoy the songs: The record represented the "vanilla palatable flatness" that pop music embodied at the time, she told The Face in February. "I wasn't born to do radio one liners," said Charlie XCX, who's been releasing music since age 19.

Persons: it's, Charli XCX's, Zers —, Charli XCX, Kamala, Kamala Harris, XCX, Charlotte Aitchison, would've, didn't, Charlie XCX, who's, That's

☆ PepsiCo is using robotics and AI-powered crop planning to transform its supply chain
▼ + stars: | 2024-07-26 | by ( John Kell | ) www.businessinsider.com time to read: +6 min

PepsiCo says it's two-thirds of the way done with an overhaul of its supply chain. This article is part of "The Future of Supply-Chain Management," a series on companies' manufacturing and distribution strategies. With more automation, workers are doing fewer physical tasks, like driving a forklift, and far more oversight of the machines taking over those tasks. Workers at manufacturing facilities and distribution centers and the unions that represent them often bristle at automation, which can lead to layoffs. Even as it has invested in automation, PepsiCo's total workforce has swelled: It grew by 20%, to 318,000, over the five years that ended in 2023.

Persons: it's, —, Gregg Roden, he'd, Roden, Athina, Campbell, Kanioura Organizations: PepsiCo, Chain Management, Service, Gatorade, Frito, Microsoft, Workers, Tyson Foods, Food, McKinsey Locations: Doritos, North America

☆ Why so many Gen Zers and millennials have 'money dysmorphia' — even if they are financially better off than they realize
▼ + stars: | 2024-07-26 | by ( Julia Pugachevsky | ) www.businessinsider.com time to read: +5 min

In fact, Gen Zers — people born between 1997 and 2012 — are more worried about saving than any other generation, a BI survey showed. Nearly half of Gen Zers and millennials have it, according to a recent Credit Karma survey. Money dysmorphia goes beyond wanting to pay off some credit card debt or to contribute more to a 401(k). It's "pervasive worry, vigilance — like an internalized feeling of unsafety with money," Clayman said, even when there aren't pressing financial problems to solve. AdvertisementClayman explained why younger generations are more likely to experience warped views around their finances — and might be more financially stable than they give themselves credit for.

Persons: —, Gen Zers —, Amanda Clayman, Zers, dysmorphia, Clayman, Gen Xers Organizations: Service, Business

☆ Salary transparency gains steam in Asia as young people share their salaries online
▼ + stars: | 2024-07-25 | by ( Ernestine Siu | In Ernestinesiu | ) www.cnbc.com time to read: +6 min

The top driver for pay transparency practices in Asia is "regulation and compliance" (72%) according to a 2024 report by Aon. Currently, the top driver of pay transparency practices in Asia is "regulation and compliance" (72%) according to the report. Jashani is just one of the many young people in Asia who are working on increasing pay transparency in the region. I think our role to advocate for pay transparency is actually [done] through conversation. "I think our role to advocate for pay transparency is actually [done] through conversation," she said.

Persons: Peter Zhang, Zhang, Jashani, I'm, Davekhaw, they'll, Prestine, Aon's Zhang, Peter Zhang Head Organizations: Aon, CNBC, Employers Locations: Asia, United States, California, New York, millennials, Singapore, Instagram, Malaysia, Malay

☆ The sober dating revolution is here, and Gen Z is leading it
▼ + stars: | 2024-07-25 | by ( Lindsay Dodgson | ) www.businessinsider.com time to read: +7 min

Gen Z is earning a reputation as the sober-curious generation that prioritizes their health, well-being, and authenticity when finding a partner. Ryan Mairs, 28, is a "Zillennial" on the cusp between millennials and Gen Z and has noticed the shift. Gen Z are drink less regularly than millennials, according to Statista data. AdvertisementA recent survey by DatingNews.com found that 65% of millennial and Gen Z respondents said they would prefer a "dry" first date. She's the founder of the sober dating platform Club Pillar, launching this summer.

Persons: —, Z, Gen Zers, Ryan Mairs, He's, Mairs, it's, Gen, DatingNews.com, Kate Daly, Daly, Justine Benanty, Zers, they're, Benanty, he's, Jessie Urvater, Urvater, Jessie Urvater Urvater, that's, they've Organizations: Service, Business Locations: California

☆ Opinion: What Gen Z’s ‘happily ever after’ looks like
▼ + stars: | 2024-07-24 | by ( Opinion Sara Forastieri Vicente | ) edition.cnn.com time to read: +9 min

But, to put it bluntly, it’s not you and it’s not me, it’s Gen Z. So half of Gen Z and millennials are simply opting for more inexpensive options. At a time when 90% of Americans agree we are in a mental health crisis, according to Pew Research, Gen Z is increasingly prioritizing self-care. With Gen Z, it starts from the first date. I don’t think it’s a coincidence that, when in a committed relationship, partners often refer to their significant other as their best friend.

Persons: Sara Forastieri Vicente, I’ve, —, it’s, Gen, We’ve, Zers, It’s, Gen Z, — it’s, Z, ”, “ Organizations: CNN, University of Pennsylvania, Pew Research Locations: situationships

☆ The 'double bind' is a big mistake employers make that's turning off Gen Z staff
▼ + stars: | 2024-07-23 | by ( Lindsay Dodgson | ) www.businessinsider.com time to read: +5 min

They want diverse employers that offer a good work-life balance, remote positions, and solid mental health policies. AdvertisementThis, she said, is what's known as a "double bind," and it drives Zoomers mad. A double bind, Chang explained, is "when you are giving two or more contradicting messages at the same time." In the survey, Gen Zers were the most likely cohort to have been in a double bind (84%). Advertisement"People my age and up didn't talk about mental health," Chang said, which is why older generations can be a bit "put off" when a young employee asks for a mental health day.

Persons: —, Jeanie Y, Chang, We're, Dale Wilsher, Gregory Bateson, Wilsher, Gen Zers, Oliver Wyman, Zoomers, Zers Organizations: Service, Business, Forbes

☆ Gen Zers can be weird in interviews. A recruiter explained how it sets them back.
▼ + stars: | 2024-07-22 | by ( Lindsay Dodgson | ) www.businessinsider.com time to read: +6 min

But a senior recruiter said they may be making mistakes early on that set them back. The other half is that Gen Zers have a bad reputation among hiring managers. Red flagsWhen companies started filling roles again as global COVID-19 lockdowns started to lift, employers were "throwing money at candidates," Levine said. "And there's a lot of people who are just more old-school and maybe turned off by the rumors of Gen Z." They should tailor their resumes and applications to specific roles rather than sending the same version to multiple job postings.

Persons: —, Emily Levine, Levine, Zers, lockdowns, Gen, she's, they're, She's, I've, Zoomers, Levins Organizations: Service, Group, Business, Companies, Jobs

☆ The appeal of being an influencer is so strong that half of US adults would quit their jobs if they could make a living from social media
▼ + stars: | 2024-07-22 | by ( Shriya Bhattacharya | ) www.businessinsider.com time to read: +4 min

Read previewCreating content online is more alluring than a traditional job for many people, new data by influencer marketing and technology platform IZEA found. AdvertisementThe industry can be financially unstable though, and some full-time influencers BI spoke with recently have pivoted back to the corporate world. "The idea of full-time content creation is often more glamorous than reality," creator Mitchie Nguyen previously told BI. A few months ago, the New York-based influencer left her full-time position at Johnson & Johnson to scale her social-media business. Consumers who spend more than five hours per day on social media are 4.4 times more likely to be compensated.

Persons: —, IZEA, Gen Zers, Ted Murphy, influencers, Emarketer, Mitchie Nguyen, Ariana Nathani, influencer, Johnson, Murphy Organizations: Service, Business, Johnson, BI, Consumers Locations: New York, today's

☆ Insider Today: A historic outage
▼ + stars: | 2024-07-21 | by ( Matt Turner | ) www.businessinsider.com time to read: +5 min

download the appSign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. Since then:This story is available exclusively to Business Insider subscribers. You can get the latest on what the political turmoil might mean for businesses, the economy, and markets right here or by downloading the Business Insider app. This week's dispatchMaster/Getty, Yevgeniy Sambulov/Getty, Tyler Le/BIA historic outageComputers at Australian retailer Woolworths froze with the blue screen of death. An update gone wrong from a single company many hadn't heard of before Friday morning brought retailers, banks, hospitals, production lines, and airlines to a halt.

Persons: —, It's, Donald Trump, Yevgeniy Sambulov, Tyler Le, Cash, Tesla, Crowdstrike, Jenny Chang, Rodriguez, Slack, de Haro, Gen Z, Rebecca Zisser, Mickey Mouse, Lizzie McGuire, Hannah Montana Organizations: Service, Business, Woolworths, Airline, Microsoft, Getty, Workers, BI Tech, Big Tech, Disney, YouTube Locations: Japan, Alaska

☆ This Gen Zer traveled to 10 countries in 3 years. Here's how she did it while earning $25 an hour.
▼ + stars: | 2024-07-20 | by ( Jordan Hart | ) www.businessinsider.com time to read: +6 min

Read previewWaiting tables a few months at a time is enough for Celeste Cox to fund her travels to bucket list destinations. The 26-year-old has been to 10 countries since embarking on what she intended to be a gap year in 2021. She's managed to do all of it by working as a waitress in New York City in between her adventures. She prefers Latin American countries since she speaks Portuguese and Spanish, and US dollars typically stretch further in those places. Advertisement"These travels have taught me so much about life and have really given me so much life experience," Cox said,

Persons: —, Celeste Cox, She's, Cox, Dominican Republic —, I'd, Celeste Cox Cox, Zers, Worldpackers, it's, she's, Z, I've, they're, It's Organizations: Service, Business, Hunter College, BI Locations: New York City, touristy, Puerto Rico, Dominican Republic, Brazil, Colombia, Italy, Workaway, it's, America, Sardinia

☆ The Olympics will be dominated by social media and influencers this year, as Gen Z and millennials look for fun and unique coverage
▼ + stars: | 2024-07-18 | by ( Tiara White | ) www.businessinsider.com time to read: +4 min

It also found that 75% of those who plan to watch the games are more likely to watch coverage from celebrities, influencers, and digital creators than they were for the 2021 Summer Olympics. "We found they're really excited to turn to social media for Olympic coverage because they think it will surface the most culturally relevant moments and create community," Emily Anatole, the senior director of cultural insights at UTA IQ, told Business Insider. The data explains why broadcaster NBC is tapping more influencers this year and working with the major platforms to expand social-media coverage around the Olympics. Gen Z and millennials will be tuning in to get creators' perspectives on the gamesThe involvement of more influencers this year also shows how Gen-Z and millennial viewers are changing the Olympics. Anatole said many Gen Z and millennials will use social-media platforms like TikTok and Snapchat to get Olympic coverage because of content creators like Cenat and Duke Dennis, who will help capture content for the games.

Persons: —, YouTuber Kai Cenat, Alex Cooper, Emily Anatole, Cooper, Cenat, influencer Olivia Dunne, Gen, Gen Zs, Anatole, Snapchat, Duke Dennis, Zers, shouldn't, …, Gen Z Organizations: Service, Social, Paris Games, Business, United Talent Agency, UTA, NBC, Olympics, Meta, YouTube, Facebook Locations: Paris

☆ Why the interview process is more annoying than ever
▼ + stars: | 2024-07-18 | by ( Tim Paradis | ) www.businessinsider.com time to read: +8 min

Yet, it's often hard to tell how an interview process might unfold. But now, even the interview process for getting something like a six-month assignment has proven difficult, Kilgore said. "Now, there's an assessment or multiple assessments, a self-conducted video interview where you speak to a robot via webcam, then a phone-screening interview, then some kind of in-person interview, and then an interview where you meet the senior management," the person wrote. Schielke recounted one interview she participated in where there was the candidate and then 15 people on the other side. She added that some job seekers need to reset their expectations after several years in which they were calling the shots.

Persons: —, Octavius Newman, Newman, — Newman isn't, Allen Johnson, Josh Bersin, aren't, Zers, J, Raymond Kilgore, who's, Kilgore, it's, Jennifer Schielke, Schielke, she's Organizations: Service, Business, Employers, Nvidia, Group Solutions Locations: Philadelphia, Chandler , Arizona, Philly

☆ Small Landlords Are Using New Tech Tools to Raise Tenants Rents
▼ + stars: | 2024-07-17 | by ( James Rodriguez | ) www.businessinsider.com time to read: +14 min

The past few years have solidified single-family rental homes as genuine moneymaking enterprises, not just ho-hum nest eggs. Related storiesWhen everyone was scrambling for their piece of the suburbs during the pandemic, mom-and-pop landlords pounced, using these newfound tools to collect more cash. The company, which estimates only one-fourth of single-family-rental landlords use professional management services, now manages more than 28,000 rentals on behalf of small landlords. As the Wall Street ethos trickles down to small rental owners, it'll be harder and harder to tell them apart. But the gap is narrowing as small rental owners capitalize on the innovations that the institutional class has already embraced.

Persons: Daniel doesn't, Daniel, hasn't, he's, Bryan Smith, —, Zers, John Burns, Rick Palacios Jr, Palacios, Jordan Kavana, Rich Ford, you've, Ford, Devin Redmond, doesn't, Philip Garboden, It's, Garboden, Roofstock Organizations: Atlanta, Corporate, Harvard Joint Center for Housing Studies, John Burns Research, Consulting, Ark Homes, Rent, Vesta Ventures, University of Chicago Locations: Zillow, Atlanta, Raleigh, Chattanooga , Tennessee, Grand Rapids , Michigan

☆ The 'Gen Z Boss and a mini' trend is taking off on TikTok. A lawyer says it's a lesson in how not to use social media.
▼ + stars: | 2024-07-17 | by ( Lindsay Dodgson | ) www.businessinsider.com time to read: +6 min

AdvertisementOne of those accounts was run by Australian brand Tbh Skincare. But while many considered it simple, lighthearted fun, the skincare company ran into trouble when its video spread farther afield. The Tbh Skincare women didn't take the criticism lying down, posting two more videos. In Australia, where Tbh Skincare is based, mental health is covered by a workplace's insurance. The internet is forever, and young workers should assume anything posted will be visible to future employees, Hart said.

Persons: —, Boss, Andrew Tate, didn't, they'd, Rachael Wilde, Craig Schweighoffer, Roxanne Hart, Hart, There's, it's, Gen Zers, Wilde Organizations: Service, Business, Smart Company, York St Brands, Hart & Co Locations: Australia

☆ Opinion: My teenage son had an influencer in his class. This is what it was like
▼ + stars: | 2024-07-17 | by ( Opinion Michelle Leder | ) edition.cnn.com time to read: +5 min

More than a few still carry the scars, including one 80-year-old woman I recently spoke to about her middle school experience. Instead of facing a mean girl or boy of his own, he wound up with a social media influencer in his class who held sway over the entire grade. “All of these issues with social media are coming to a head right now and there’s wildly insufficient research,” Marc Berkman, CEO of the non-profit Organization for Social Media Safety, told me recently. Middle school is complicated enough without all the extra pressures generated by having a social media influencer sitting next to you. From middle school science class, we know that a fire needs oxygen to burn.

Persons: Michelle Leder, Michelle Leder Scott Cooper, cooties, she’d, ” Marc Berkman, ”, Zers, influencer Organizations: SEC, CNN, Social Media Safety, Twitter, Facebook Studies, Wall Street Journal Locations: Louisville , Kentucky, Brooklyn , New York, —

☆ Side hustlers make an average of $891 per month, says new report—'It's quite a bit more lucrative'
▼ + stars: | 2024-07-16 | by ( Gili Malinsky | ) www.cnbc.com time to read: +1 min

The average side hustler is bringing in $891 per month. That's up from $810 per month in 2023, or a 10% increase altogether, says Ted Rossman, senior industry analyst at Bankrate. That's followed by 44% of millennials, 33% of Gen Xers and 23% of Baby Boomers. That's followed by Gen Zers, who are bringing in $958 per month, Gen Xers, who are bringing in $751 per month, and Baby Boomers, who are bringing in $561. It's a small monthly hike, but high earning hustlers are still skewing the average much higher.

Persons: Ted Rossman, Zers, That's, Gen Xers, Gen Zers Organizations: Baby Boomers, Boomers Locations: U.S

☆ The next hot jobs for Gen Z
▼ + stars: | 2024-07-16 | by ( Aki Ito | ) www.businessinsider.com time to read: +8 min

Silicon Valley has been laying off workers by the tens of thousands, making tech work almost impossible to come by. Millennials believed they were heading to Silicon Valley in service of a lofty mission. AdvertisementIf Silicon Valley is going out of vogue, what will take its place as the next hot destination? Civil service doesn't come with the pay or the glamour of tech jobs, but it offers the stability that college students say they want. When I speak to college students these days, I'm struck by how they lack the naivete I suffered from when I was their age.

Persons: Zers, Tesla, Instagram, Christine Cruzvergara, You've, Cruzvergara, Gen, Millennials, Lehman Brothers, Jude Children's, ironies, I'm, they're, they'll, Aki Ito Organizations: National Society of High School, Disney, Google, Facebook, Dow Chemical, Tech, Big Tech, Jude Children's Research, Mayo, Disease Control, FBI, NASA, CIA, CDC, Big Tech's, Star, Business Locations: Silicon, Silicon Valley, Washington

☆ The end of this tax break could be 'very disruptive' to business owners, expert says — what to know
▼ + stars: | 2024-07-16 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +1 min

Tax breaks worth trillions of dollars are scheduled to expire after 2025 without extension from Congress — including a hefty deduction for millions of self-employed filers and business owners. The temporary deduction applies to so-called pass-through businesses, which report income at the individual level, such as sole proprietors, partnerships and S-corporations, along with some trusts and estates. Some already regret the decisionLawmakers added the temporary QBI deduction to the Tax Cuts and Jobs Act to create tax rates for pass-through businesses that are similar to tax rates for corporations. But while the QBI deduction will sunset after 2025, the legislation permanently reduced corporate taxes by dropping the top federal rate from 35% to 21%. For tax year 2021, the most recent data available, there were roughly 25.9 million QBI claims, up from 18.7 million in 2018, the first year the tax break was available, according to the IRS.

Persons: Donald Trump, Dan Ryan, Sullivan, Gen Zers, Howard Gleckman Organizations: Finance, Urban, Brookings Tax, Center Locations: Worcester

☆ Why the Social Security Administration may want you to update your personal account online
▼ + stars: | 2024-07-16 | by ( Lorie Konish | ) www.cnbc.com time to read: +2 min

To make sure you can continue to access your account, the agency is urging you to log in, particularly if you created your online " my Social Security " account before Sept. 18, 2021. These account holders will soon have to transition to a Login.gov account to access online Social Security services. The average speed to answer those calls was about 36 minutes in the second quarter, according to the Social Security Administration. A confirmation will appear once the account has been successfully linked, allowing access to my Social Security accounts and other services. Some regret the decisionLower inflation points to smaller 2025 Social Security COLALegitimate Social Security web links will always begin with "https://" and end with ".gov/."

Persons: Zers Organizations: Social Security, Social Security Administration, Social, Finance, Security

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