What percentage of apprentices stay in employment after their apprenticeship?

If you’re currently weighing up your options with regards to training and employment, an apprenticeship could be an excellent choice. These schemes blend real, paying work with the chance to train, learn skills and study for valuable qualifications.

But is an apprenticeship right for you? One of the important things to consider is what this kind of programme of work and training can do for your long-term career prospects. Before making such a big decision, you’ll naturally want to know whether an apprenticeship is likely to lead to a full-time job once you’ve finished.

So, just how many apprenticeships lead to long-term employment? Let’s take a closer look at some of the statistics.

How many apprentices are there in the UK?

According to government data, in 2021 there were over 713,000 active all-age apprenticeships in England alone, with a further 37,000 in Scotland and over 100,000 in Wales. 

What percentage of apprentices get a job?

Government research in 2018 uncovered a very encouraging statistic – that 65% of apprentices (of a total of 844) in the study remained in full-time employment after finishing their apprenticeship. While data published by the London Progression Collaboration (LPC) in 2022 showed a 72% fall in entry-level apprenticeship uptake since 2014 (with the impact of the COVID-19 pandemic thought to be the biggest cause of this drop), the percentage of apprentices going into full-time employment or higher education/training is thought to have remained just as high. 

Other research also reveals similarly positive news in terms of job prospects for apprentices finishing their schemes. One study found that a huge 85% of apprentices stay in employment, and 64% of these continue working with the same employer.

This will make a lot of sense for current apprentices, who are trained, valued and invested in by their employer during their scheme. The apprenticeship is tailored to the business, so perfectly prepares them for a career in the company. If there’s a good fit in terms of values and goals, then there’s no reason why an apprentice can’t thrive in the same business as their initial apprenticeship.

It’s not only important to look at how likely it is you’ll get a job after your apprenticeship. It’s also smart to consider career progression. What pathways will be available to you once you finish your apprenticeship? According to one report, a management position could even be on the cards – as researchers found that it takes an average of five years for an apprentice to reach management level in around half of companies that take on apprentices.

Is it easier to get a job as an apprentice?

Although it’s certainly true that apprentices and traditional forms of higher education, such as university degrees, are both highly regarded by employers, they tend to be respected in different ways. University degrees can display a deep knowledge and understanding of a certain subject, presenting a wide range of transferable skills. On the other hand, apprenticeships are more valued for the focus they place on practical knowledge and real-life work experience that can be priceless when it comes to full-time employment.

For this reason, both traditional pathways into full-time employment have their advantages. However, it is certainly worth noting that now, more than ever before, organisations and businesses in a range of industries (including the financial industry) are more willing to offer  apprenticeship schemes as a means of long-term recruitment, rather than only employing those with a degree. 

Can an apprentice have a second job?

Legally-speaking, yes – apprentices can have a second job. However, it’s worth noting that individual apprenticeship scheme employers may not recommend this and may prefer you concentrate solely on your apprenticeship. It’s also important to remember that although you will not be taxed at all if your apprenticeship wage is less than £12,570 per year (for the 2021/22 tax year), if you take on a second job that takes your annual income over this figure, earnings over this personal allowance will be taxed. For this reason, you may need to consider all pros and cons before taking on a second job while completing your apprenticeship. 

Can you claim Universal Credit while doing an apprenticeship?

Yes – as an apprentice you are typically entitled to claim Universal Credit and other benefits, however, the amount you can claim will depend on a number of factors. For example, in order to claim Universal Credit while completing your apprenticeship, you need to have a named and registered training provider (such as Simply Academy), be paid at least the National Minimum Wage (NMW) for an apprenticeship, and also be working towards gaining a recognised qualification. 

Why hire an apprentice?

If you’re an employer deciding whether or not to hire an apprentice, there are a number of crucial things to weigh up. Here are just some of the many benefits of apprenticeships for businesses:

  • Apprentices bring valuable ‘soft skills’ to the business, such as communication, team-working and leadership.
  • Young apprentices can also help to keep knowledge up-to-date within the business, especially when it comes to IT and technology skills.
  • Apprentices can bring a significant amount of added value for the business – a report by Microsoft found that apprentices can add value of around £37,000 per employee, per year. This shows just how important it can be to invest in talent at the apprenticeship stage.
  • The chance to ‘grow your own’ talent. Many employers are facing skills shortages and are struggling to compete with the higher salaries offered by larger competitors. One effective solution can be to set the syllabus for your apprentice and mould this exciting potential talent into a hugely valuable asset, one which could drive your business forward in the future.
  • Upskill your existing team. Do you have an employee with potential, but they need certain qualifications and training in order to progress? An apprenticeship could be a viable option when university is not, helping to fast-track an employee and give them valuable new skills.
  • Youth, enthusiasm and exciting new ideas. Every organisation can benefit from a breath of fresh air, and this is exactly what an apprentice can bring. They’ll have their own ideas and a fresh perspective, which could help to reinvigorate your team and encourage different ways of thinking.

Find out more

If you would like to find out more about financial service apprenticeships in the UK, or any of our other financial services courses, feel free to contact the Simply Academy team today. Our friendly team is made up of experts when it comes to apprenticeships and is always on hand to answer all your questions and help you find the best apprenticeship scheme or further education course for you. 

How to get into mortgage advising

Whether you’re searching for a change of career or you’re just out of university and are thinking of taking those first exciting steps to finding your true calling, mortgage advising could be the option you’re looking for. From the rewarding feeling of helping people who need it and the ability to set targets and goals to the opportunity to progress to different roles, this career path is ideal for those with good communication skills and an honest and trustworthy attitude.

Many people use a financial service apprenticeship as a gateway to working as a mortgage adviser, but it can be daunting to know where to start. If you want to increase your suitability and knowledge ahead of working in the financial sector, there are a number of additional steps you can take as you begin your career in providing professional mortgage advice.

How do I train to be a mortgage adviser?

The Certificate in Mortgage Advice and Practice (CeMAP) qualification is entry level and the advised qualification for those who aspire to become a mortgage adviser. Anyone can apply for the CeMAP course, with each of the three modules comprising multiple choice exams that can all be completed online.

However, before signing up to study on a mortgage adviser course, it may be worth considering one of many ways to give you a head start into the world of financial advice.

For additional preparation prior to your course, you could, for example:

  • develop a greater understanding of the terminology and lingo involved in mortgage advising and financial advice as a whole
  • study mortgage advice privately through textbooks and information from accredited sources
  • run through online courses, moving from beginner tests to more advanced tests as your knowledge grows
  • request mentoring or guidance from experts in the sector
  • attend conventions and conferences related to mortgage advice
  • complete a foundation course in mortgage advice.

Part of becoming a professional adviser within the finance sector is the ability to possess an extensive understanding of rules and regulations around the field you’ve chosen to specialise in. Whether this is mortgage advice, advice in equity release, or the broader topic of financial advice, it could take a prolonged period of time to find your feet, so putting extra time aside could benefit your development.

Are there mortgage adviser apprenticeships?

As mentioned above, one way to start your career as mortgage adviser involves training as an apprentice. Mortgage adviser apprenticeships allow you to build up your knowledge and skills while also gaining priceless on-the-job experience and professional mentorship. Following an approved study programme which leads to the industry-recognised CeMAP qualification, apprenticeships of this kind usually take 12 months, on a full-time basis, to complete. However, unlike when you learn in your spare time, while you are enrolled as a mortgage adviser apprentice with an approved training provider, you can also earn while you learn. 

To get started as a mortgage adviser apprentice, you will typically need to have at least five GSCEs (A* to C or 9 to 5), including maths and English. You will also need to have been a  UK/EEA/EU resident for the last three years and not be enrolled in full-time education.

How do you get CeMAP qualified?

If you want to get into mortgage advising but you don’t think an apprenticeship is for you, enrolling on a private mortgage adviser training scheme that culminates with a CeMAP qualification is an excellent option. By opting to enrol with a recognised CeMAP training course provider, such as Simply Academy, you can complete your level 1, 2 and 3 CeMAP qualifications and take the vital first steps towards becoming a qualified mortgage adviser.

Once again, there are typically no entry requirements when enrolling on a CeMAP course. However, you will need to be able to study English at a level 3 standard.

Do mortgage advisers get an FCA number?

The Financial Conduct Authority (FCA) moderates and regulates the conduct of individuals, businesses and the entire economy across the United Kingdom. As soon as you complete your course, you’ll need to make sure that you’re abiding by the necessary guidelines for working as a professional mortgage adviser, and this includes adhering to FCA rules and guidelines.

Every role relating to financial advice must be approved by the FCA, with financial advisers, independent advisers and mortgage advisers included. To become approved by the FCA you need to meet the criteria set in the fit and proper test and in the Statements of Principle and Code of Practice for Approved Persons (APER).

If you work within a firm, the company you work for must apply on your behalf, and they will need to prove your capabilities, but you can also apply as an individual adviser. Upon approval, you will receive confirmation along with an individual FCA number, just as you would if you applied on behalf of a business.

Is mortgage advising a good career?

If you are willing to put the work in and demonstrate a real enthusiasm for this profession, being a mortgage adviser can provide you with a financially sturdy and truly rewarding career. Once qualified, this profession gives you the opportunity to not only help people during one of the most important and often stressful points in their lives, but also to enjoy real job satisfaction and earn a very competitive salary which can increase quickly with experience. 

To find out more about how you can become a mortgage adviser – whether you want to enrol on a private CeMAP course today or think you are better suited to an apprenticeship – contact Simply Academy today. Our knowledgeable team is always available to answer all of your questions and provide you with the expert advice you need to get your new career ambitions off the ground. 

How to prepare for an apprenticeship interview

An apprenticeship interview is your chance to convince your potential employer that you are the right person for the role, while also checking that the company is one that you’ll be happy to work for.

It’s an opportunity to find out more about the company, the job role and the people as well as showing that you’re willing to learn, interested in the company and the sort of person that they would want to join their team.

When you are applying for a financial services apprenticeship, you’re sure to go through at least one interview. It’s normal to feel a little nervous about the interview and a few nerves aren’t anything to be worried about. However, a little preparation can go a long way to help you feel confident about the interview and show the employer your best side.

So whether you’re applying for a Financial Services Administrator apprenticeship or a Mortgage Adviser Apprenticeship, here are a few tips for apprenticeship interviews.

Preparing for an apprenticeship interview

Staying calm and confident for your apprenticeship interview will give you the best chance of receiving an apprenticeship offer. Preparing for an interview in advance will help you to feel more relaxed on the day so that you can highlight your skills in the best possible way.

Check the interview details

Make sure that you know exactly where and when the interview will take place, and work out how you are going to get there. You should plan to arrive about 10 minutes before your appointment time and allow a little extra time for delays along the way.

Also check that you have contact details for your interviewer so that you can let them know if you do get delayed on the journey.

Read the job specification

Make sure you know exactly what role you will be interviewing for and the specific requirements for the job. You might not have the exact skills and experience that they are asking for, but this is a chance for you to tailor your strengths to suit this particular position.

Research the employer

It’s important to make sure that you are familiar with the company you’re hoping to join. Your interviewer will want to be sure that you really want to work for their company, so make sure you do your research before the interview.

You could start by looking at the company website but also look at their social media accounts as well as local and national news websites. For example, try to find out what the company is currently working on, any major new clients or charitable donations that they’ve made.

Practise apprenticeship interview questions

Rehearsing some popular apprenticeship interview questions and answers will make you feel more confident on the day so try to fit in some mock interviews before the real thing. Practise speaking clearly and confidently and remember to check that your body language is confident as well.

You could ask a friend, parent or teacher to act as your interviewer but if you’re struggling to find a mock interviewer, you can always work through some questions on your own.

Prepare your own questions

Interviewers often end an interview for an apprenticeship by asking if you have any questions of your own. So it’s a good idea to prepare some questions to ask at the end of an apprenticeship interview.

Good options include questions about your apprenticeship like:

  • What will a normal working day look like?
  • How many apprentices stay on at the company after their apprenticeship?
  • What opportunities for career progression are there?

Prepare a few questions in case your first choice has already been covered earlier in the interview.

What to take to an apprenticeship interview

Make sure you take along some copies of your up-to-date apprenticeship CV and the cover letter or email that you sent with it. You should also take a copy of the apprenticeship description, a notebook and a pen.

If you’ve been asked to take along anything specific, such as your exam certificates, make sure you remember to take it with you. Double check your bag the night before your interview to make sure you have everything prepared.

What to wear to an apprenticeship interview

The last thing you need is to wake up on the day of your interview and panic over what you’re going to wear. So make sure that you’ve decided in advance what to wear to an interview and get everything ready the night before.

You want to show your interviewer that you will easily fit into the company, so try to find out what the  company dress code is. The company website will usually give you a good idea of the image they like to present.

If you’re still not sure, a smart casual outfit such as a pair of trousers or skirt with a smart shirt or blouse is the safe option. Avoid denim, make sure that your clothes and shoes are clean and that you look presentable.

On the day of the apprenticeship interview

It’s normal to feel nervous on the morning of your interview, so make sure you have breakfast and give yourself plenty of time to travel to your interview. Give yourself enough time to get comfortable before your appointment.

When you go into your apprenticeship interview, greet your interviewers in a friendly and confident manner. You want them to feel that you could easily fit into the team at their company.

Remember to take your time over your answers, consider your response carefully and if necessary ask them to repeat the question. Try to back up your answers with examples of your experience wherever possible.

After the interview, make sure that your voicemail is working and check your emails regularly to make sure that you don’t miss a response. If you aren’t successful, it’s a good idea to ask for feedback to help you prepare for your next apprenticeship interview.

Using these tips and guidelines will help you to feel well prepared for your apprenticeship interview – good luck!

A guide to financial apprenticeships

Financial services is one of the largest and most important sectors of the UK economy. The businesses in this industry include banks and building societies as well as insurance companies, financial advisers and many other financial organisations.

It used to be difficult to enter the financial services industry without a good university degree. However the growing popularity of finance apprenticeships has allowed more people to fulfil their ambitions of a career in financial services.

In this guide to apprenticeships, we’ll take a look at what a financial apprenticeship involves and some of the options that are available. And if you are interested in enrolling on a financial services apprenticeship, we’ll also explain what your next steps should be.

What is a financial services apprenticeship?

The financial sector is very diverse, with a wide range of different organisations and various roles within each of them. Because of this, the term ‘Financial Services Apprenticeship’ can apply to many different types of apprenticeships including financial adviser apprenticeships and specialist insurance practitioner apprenticeships.

Generally speaking, a financial services apprenticeship is a form of education which allows students to combine paid employment with studying for an industry-respected qualification such as CeMAP. As an apprentice, you will carry out the daily responsibilities associated with your specific job role while also attending training courses and preparing for exams.

This means that upon completion of the apprenticeship, you will have both a professional qualification and several months’ experience within your chosen role.

Types of financial services apprenticeships

Simply Academy offers a range of financial services apprenticeships which provide an excellent entry point to various roles in the financial services industry. Two of our most popular types of apprenticeships are the Mortgage Adviser apprenticeship and the Financial Services Administrator apprenticeship.

Mortgage Adviser Apprenticeship

Level 3 Mortgage Advisor apprenticeships provide an ideal introduction to the world of mortgage advice. Apprentices develop the skills and knowledge required for a successful career in the sector while also working towards CeMAP, the regulatory qualification that will allow them to offer professional mortgage advice.

The combination of job based training and academic study will allow the apprentice to develop into a confident mortgage adviser. This apprenticeship is also a great entry point for applicants who wish to progress onto other financial services roles.

Duration: 15 months

Entry requirements: 5 GCSEs (A* to C or 9 to 5) or equivalent including Maths and English

Professional Qualification: CeMAP

Find out more on the Mortgage Adviser Apprenticeship course page

Financial Services Administrator Apprenticeship

The Financial Services Administrator apprenticeship is ideal for new entrants to the industry, working in roles such as Financial Services Administrator, Office Assistant and Customer Service Assistant.

Apprentices will study for a respected industry qualification while gaining a strong foundation in the skills and knowledge needed for a number of careers within the financial services sector.

Duration: 15 months

Entry requirements: 5 GCSEs (A* to C or 9 to 5) or equivalent including Maths and English

Professional Qualification: UK Financial Regulation (LIBF) or CF1/RO1 (CII)

Find out more on the Financial Services Administrator Apprenticeship course page

Why become a financial services apprentice?

Traditionally it has been difficult to gain a foothold in the financial services industry without a suitable university degree and relevant experience. This has excluded many applicants in the past but finance apprenticeships have opened up opportunities for students from diverse backgrounds and with different learning styles.

Finance apprenticeships allow students to earn while they learn, so that studying for financial services qualifications becomes a more achievable goal. And because there’s no upper age limit for apprenticeships, they also make it easier for older learners to step into a new profession without the need to take a career break.

When you have completed the apprenticeship, there is a chance that you may be offered a full-time position at the company. If not, you will have gained both a professional qualification and valuable industry experience which will put you in a strong position for your next job application.

How do you become an apprentice?

Once you have decided which is the right financial services apprenticeship for you, it’s important to research the apprenticeship opportunities that are available. This will help you to select a role and training programme that appeals to you.

You should also prepare a CV or update your apprenticeship CV for the specific role you are applying for. Employers will be looking for a range of skills such as attention to detail, ability to multitask and self-motivation, so you should try to show how your own experience reflects these strengths.

And it’s also a good idea to prepare for an apprenticeship interview ahead of time, so that you feel relaxed and confident on the day. The more you know about your potential employer and their apprenticeship scheme, the better your chances of interview success.

For more information on our financial services apprenticeships or advice on apprenticeships, visit our Apprenticeships page or contact our dedicated Apprenticeships team by email on apprentice@simplyacademy.com or on Freephone 0808 208 0002.

Which apprenticeship is right for me?

Financial Services Apprenticeships are a great opportunity to make a start on your career in the Financial Services sector, while also studying for an industry recognised qualification such as CeMAP.

There is a wide variety of apprenticeships available and it’s important to pick the right one for you. You’ll need to research the opportunities available carefully to pick one that will kick-start your career and help you achieve your goals.

In this blog post, we’ll take a look at the aspects you need to consider when you’re choosing an apprenticeship. We’ll explain what you should look for in an apprenticeship training provider, how to choose the right apprenticeship level and what to expect once your apprenticeship gets underway.

How to choose an apprenticeship

Undertaking an apprenticeship is a serious commitment that could take up to two years to complete, so it’s important to choose the right apprenticeship to suit your goals. If you can’t find a suitable one right now, it’s better to keep looking than to accept an apprenticeship simply because it’s the only one available at the time.

Here are some of the factors that you need to consider:

Potential employers

Take some time to research potential employers and make sure that the company you pick is one that you’d like to work for. You can also look into the job role on offer to make sure that it fits with your career goals.

It’s also a good idea to research the opportunities for progression within the company. If possible, try to find out how many apprentices stay on at the company after they have completed their apprenticeship. The company website is a good place to start your research.

Training Providers

You should also research the training provider who will be delivering the academic training included in your apprenticeship.

It’s important to pick a training provider who has plenty of experience in your chosen industry and has a good track record for apprenticeship training. For instance, Simply Academy has been designing and delivering financial apprenticeships training since 2017 and our staff are highly experienced in this field.

Be sure to confirm the qualifications, subjects and grades that you’ll need for your chosen apprenticeship course, as well as any essential skills and qualities that will help to support your application.

Course choices

Make sure that you pick an apprenticeship that fits well with your career ambitions.

For example, if you would eventually like to work as a financial adviser, the Financial Services Administrator Apprenticeship is a great introduction to the sector. On the other hand, a mortgage advisor course like our Mortgage Adviser Apprenticeship is better suited to prospective mortgage advisers.

Apprenticeship levels

You should also consider which apprenticeship level is suitable for your current position and where you want to progress to. This depends on the experience and qualifications that you currently have as well the goals you want to achieve.

Which apprenticeship level is right for me?

There are seven different levels of apprenticeship, ranging from GCSE level study up to postgraduate degree level study. At Simply Academy, we offer Level 3 and Level 4 Financial Services apprenticeships.

Our Mortgage Adviser apprenticeship and other Level 3 apprenticeships are equivalent to A level study and generally take 15 months to complete. To enrol on a level 3 apprenticeship, you will usually need to have five GCSEs at grades A*-C or 5-9, including English and Maths.

Level 4 apprenticeships, like our Financial Advisor apprenticeship, are equivalent to Foundation Degree study and take around 24 months to complete. If you would like to enrol on a Level 4 apprenticeship, you will generally need to have Level 3 qualifications as well as the GCSEs listed above. The Level 3 qualifications could be A levels, NVQs or a BTEC and these may need to be in subjects that are relevant to your chosen apprenticeship. You could also do a Level 3 apprenticeship before progressing onto the Level 4 apprenticeship.

Our blog post has more information about the different apprenticeship levels and requirements for apprenticeships.

What to expect from an apprenticeship

An apprenticeship involves studying for an industry-recognised qualification combined with work in a real job. This gives you the opportunity to gain valuable experience within your chosen industry and allows you to put your newly acquired knowledge into practice in a real-life environment.

Because apprenticeships are designed to meet the requirements of employers, you can be sure that you’ll be learning the exact skills that are needed to do your new job successfully.

The apprenticeship standard for your chosen profession will outline the training you’ll receive and how you will be assessed. And your training provider will assign a mentor who will support your progress and help to keep your learning on track.

If you’d like to know more about financial services apprenticeships, our expert Apprenticeships team can help. You can contact them by email at apprentice@simplyacademy.com or by phone on Freephone 0808 208 0002

How are financial advisers regulated?

Good financial advice is in high demand these days, and most people would prefer to turn to a professional financial adviser on matters such as pensions, investments and taxes. Because of this, it’s important to ensure that financial advisers have the required financial advice qualifications and are conducting their business responsibly and ethically.

If you are considering a career in Financial advice, your first step should be to book a suitable course such as the Diploma for Financial Advisers (DipFA). All financial advisers need to hold DipFA or an equivalent qualification and once you have passed your exams, you will be qualified to provide professional financial advice. But you may also be wondering if you need to be approved by the FCA before you can start looking for clients.

The Financial Conduct Authority (FCA) is responsible for regulating the UK’s financial services sector in order to protect customers, promote competition and ensure market integrity. All financial services firms, consumer credit firms and investment firms have to be authorised by the FCA, including individuals who are providing services in the sector. In addition to this, banks, insurance companies and credit unions also have to be regulated by the Bank of England’s PRA (Prudential Regulation Authority). You can read more about the FCA in this blog post.

In this blog post, we’ll take a look at how FCA regulation affects you and what you need to do before you start work as a financial advisor.

Do I need a licence to provide financial advice?

Once you have passed a suitable financial adviser’s qualification, you are authorised to provide professional financial advice. There is no need to apply for a licence before you start looking for clients.

However it’s important to ensure that you meet the requirements of FCA regulation, which ensure that you fulfil the obligations contained in the Financial Services and Markets Act 2000 (FSMA). Consumers are naturally cautious about financial matters like investments and taxes and FCA regulation helps them to feel confident that you will be providing them with financial advice they can trust.

This also benefits you as a financial services provider, as trustworthiness is a key factor in winning new business.

Firms that wish to become FCA regulated have to submit an application and then work with a case officer, who will assess whether the provider meets FCA requirements. Key individuals within the firm directors and those in other key roles such as Compliance Officers will also be assessed to check that they are suitable to take on their roles.

Once the FCA has made their decision, the FCA will write to the company to confirm or reject the application.

Who regulates IFAs?

If you are planning to provide financial advice as a self-employed independent financial adviser, you will still need to adhere to the guidance mentioned above.

While you don’t need a licence to operate as an IFA, you will still need to pass the exams to be a financial advisor, be authorised by the FCA and follow the FCA conduct rules.

How does the FCA regulate financial advisers?

The FCA is responsible for regulating around 51,000 firms with a wide variety of size and complexity. The FCA’s approach to regulation varies depending on the level of risk of harm that a firm poses to its clients and the integrity of the market.

The FCA’s main objective is to ensure that firms place customer protection at a higher priority than profit. They achieve this through three main activities:


The FCA requires financial services providers to be authorised or registered before they can offer regulated activities. These include, but are not limited to, providing consumer credit, providing insurance products and providing advice on investments.


The FCA also monitors firms and individuals to ensure that they are following FCA conduct rules. This risk-based supervision takes three forms which include reactive supervision of actual events, proactive supervision of the largest firms’ activities and thematic analysis based upon risks which could affect entire sectors or multiple firms.


In the event that FCA regulations are breached, the FCA will impose penalties on the firms and individuals involved. This could include prosecution, orders to stop trading and orders to pay compensation to consumers.

The FCA can also bring proceedings against firms and individuals for the offences of insider dealing, market manipulation and certain breaches of the Money Laundering Regulations.

FCA regulation helps to protect consumers and allows them to feel confident about the financial advice services they receive. Not only does this help to support the industry and economic stability, but FCA regulated financial advisers also benefit from the improved trust in their services.

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