{"id":32468,"date":"2024-06-25T07:12:07","date_gmt":"2024-06-25T07:12:07","guid":{"rendered":"https:\/\/www.factris.com\/?p=32468"},"modified":"2024-06-27T13:53:06","modified_gmt":"2024-06-27T13:53:06","slug":"faktoring-pelny-co-daje-i-do-czego-sluzy","status":"publish","type":"post","link":"https:\/\/www.factris.com\/pl\/aktualnosci\/faktoring-pelny-co-daje-i-do-czego-sluzy\/","title":{"rendered":"Faktoring pe\u0142ny \u2013 co daje i do czego s\u0142u\u017cy"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;21px|||||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;700px&#8221; custom_padding=&#8221;2px||4px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_button button_url=&#8221;\/pl\/aktualnosci\/&#8221; button_text=&#8221;Do strony z wiadomo\u015bciami&#8221; module_class=&#8221;btn-back&#8221; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#001194&#8243; button_bg_color=&#8221;rgba(0,0,0,0)&#8221; button_font=&#8221;||||on||||&#8221; button_icon=&#8221;&#x23;||divi||400&#8243; button_icon_placement=&#8221;left&#8221; button_on_hover=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; button_text_color__hover_enabled=&#8221;off|hover&#8221; custom_padding__hover_enabled=&#8221;off|desktop&#8221; custom_padding__hover=&#8221;|||59px|false|false&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;700px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; header_line_height=&#8221;1.4em&#8221; header_2_font=&#8221;|700|||||||&#8221; header_2_text_color=&#8221;#000a54&#8243; header_2_font_size=&#8221;29px&#8221; header_2_line_height=&#8221;1.3em&#8221; header_3_font=&#8221;|700|||||||&#8221; header_3_text_color=&#8221;#000a54&#8243; header_3_font_size=&#8221;25px&#8221; header_3_line_height=&#8221;35px&#8221; header_4_font=&#8221;|700|||||||&#8221; header_4_text_color=&#8221;#000a54&#8243; header_4_font_size=&#8221;21px&#8221; header_4_line_height=&#8221;29px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<div class=\"\" pretext=\"\">\n<h2><strong>Faktoring z regresem, faktoring bez regresu, w\u0142a\u015bciwy i niew\u0142a\u015bciwy czy pe\u0142ny i niepe\u0142ny? Tyle nazw, \u017ce mo\u017cna zg\u0142upie\u0107. Szczeg\u00f3lnie, \u017ce w powszechnym rozumieniu chodzi tu tylko o jedn\u0105 cech\u0119, kt\u00f3r\u0105 ma okre\u015bla\u0107. Mianowicie chodzi o element przej\u0119cia przez faktora ryzyka braku zap\u0142aty przez odbiorc\u0119 (nazywanego tak\u017ce d\u0142u\u017cnikiem b\u0105d\u017a kontrahentem).<\/strong><\/h2>\n<p>Wed\u0142ug mnie najlepsza nazwa do okre\u015blenia elementu przej\u0119cia ryzyka to: faktoring z regresem lub bez regresu. Nazwa faktoring pe\u0142ny jest ok, ale nie jest w 100% poprawna. Wywodzi si\u0119 od angielskiego Full Service Factoring, gdzie okre\u015bla faktoring z pe\u0142nym pakietem us\u0142ug dodatkowych, gdzie przej\u0119cie ryzyka jest tylko jedn\u0105 z nich. A mo\u017cna mie\u0107 bardzo ubogi w us\u0142ugi faktoring ale z przej\u0119ciem ryzyka.<\/p>\n<p>W praktyce oznacza to, \u017ce w zale\u017cno\u015bci od tego, z kt\u00f3rej odmiany skorzystamy <strong>inne b\u0119d\u0105 konsekwencje gdy nasz kontrahent nie zap\u0142aci<\/strong>. W przypadku gdy faktor w ramach swoich us\u0142ug oferuje ochron\u0119 przed ryzykiem braku zap\u0142aty, w\u00f3wczas w sytuacji gdy odbiorca nie wywi\u0105za\u0142 si\u0119 z zobowi\u0105zania faktor\u00a0<strong>nie b\u0119dzie m\u00f3g\u0142 zastosowa\u0107<\/strong>\u00a0<strong>tak zwanego<\/strong>\u00a0<strong>regresu<\/strong>, czyli za\u017c\u0105da\u0107 zwrotu wyp\u0142aconych \u015brodk\u00f3w.\u00a0<strong>St\u0105d nazwa bez regresu<\/strong>. Pami\u0119tajmy, \u017ce ochronie podlega 90% kwoty, zazwyczaj udzia\u0142 w\u0142asny pozostaje na poziomie 10%. Inaczej jest w przypadku faktoringu z regresem. Tam ponosimy pe\u0142n\u0105 odpowiedzialno\u015b\u0107 za wszystkich odbiorc\u00f3w kt\u00f3rych faktury przekazali\u015bmy do faktora.<\/p>\n<p>Nie jest tak, \u017ce jeden rodzaj jest lepszy czy gorszy od drugiego. Po prostu to jest cecha faktoringu, jest elastyczny i mo\u017cna dopasowa\u0107 jego elementy do konkretnych potrzeb i sytuacji.<\/p>\n<p>Gdy wiemy, \u017ce mamy dobrych, sprawdzonych przez lata odbiorc\u00f3w, to nie ma co dop\u0142aca\u0107 za przej\u0119cie ryzyka, us\u0142uga b\u0119dzie ta\u0144sza. Za to\u00a0<strong>faktoring bez regresu idealnie sprawdzi si\u0119 w sytuacjach<\/strong>\u00a0<strong>gdy nie mamy pewno\u015bci co do kontrahenta<\/strong>. Czasem trafiaj\u0105 si\u0119 nierzetelni odbiorcy, kt\u00f3rzy mog\u0105 wp\u0119dzi\u0107 nas w k\u0142opoty. Gdy mamy obawy, wtedy warto skorzysta\u0107 z faktoringu bez regresu. Sam element tego, \u017ce faktor dokona dok\u0142adnego sprawdzenia odbiorcy jest ju\u017c warto\u015bciowe. Bo w przypadku odmowy udzielenia ochrony ju\u017c wiemy, \u017ce co\u015b mo\u017ce by\u0107 nie tak. Dzi\u0119ki takiej informacji mo\u017cna unikn\u0105\u0107 problem\u00f3w.\u00a0<strong>Podobnie dobrze si\u0119 sprawdzi gdy zaczynamy sprzedawa\u0107 zagranic\u0119<\/strong>. Eksport jest z natury bardziej ryzykowny, bo mamy ma\u0142\u0105 wiedz\u0119 o lokalnym rynku i tamtejszych przedsi\u0119biorcach.\u00a0<strong>W takiej sytuacji potrzebny b\u0119dzie Faktoring pe\u0142ny Eksportowy<\/strong>. Nie ka\u017cdy faktor ma go w swojej ofercie, ale z \u0142atwo\u015bci\u0105 da si\u0119 znale\u017a\u0107. Chocia\u017cby w Factris.<\/p>\n<p>Fakt, \u017ce faktor przejmie ryzyko braku zap\u0142aty niesie ze sob\u0105 jeszcze jeden nie do ko\u0144ca oczywisty efekt. Pozwala to na zmiany w bilansie firmy. Gdy nieodwracalnie zamienimy nale\u017cno\u015bci na got\u00f3wk\u0119, mo\u017cemy to samo zrobi\u0107 w bilansie. Spowoduje to, \u017ce zmieni si\u0119 tak zwana struktura bilansu, poprawi si\u0119. Jest to istotne dla firm, kt\u00f3re maj\u0105 inne produkty kredytowe w bankach i s\u0105 zobowi\u0105zane do utrzymania konkretnych poziom\u00f3w pewnych wska\u017anik\u00f3w bilansowych. <strong>Zdarza si\u0119, \u017ce bardzo du\u017ce firmy potrafi\u0105 zawiera\u0107 takie transakcje tylko na chwil\u0119, np. na kilka dni lub tydzie\u0144. Tak aby na koniec kwarta\u0142u czy roku mie\u0107 po\u017c\u0105dan\u0105 struktur\u0119 bilansu.\u00a0<\/strong><\/p>\n<p>Zmierzmy si\u0119 jeszcze z jednym pytaniem. Czasem klienci zadaj\u0105 pytania dlaczego chcemy ocenia\u0107 ich sytuacj\u0119 finansow\u0105 gdy chc\u0105 skorzysta\u0107 z faktoringu bez regresu. \u201ePrzecie\u017c jak klient nie zap\u0142aci to nic mi si\u0119 nie stanie, jest bez regresu!\u201d. Nie do ko\u0144ca. Ochrona ma pewne granice, s\u0105 sytuacje gdy nie zadzia\u0142a. Dla przyk\u0142adu. Gdy kontrahent odmawia zap\u0142aty, bo uwa\u017ca \u017ce dostarczony towar nie spe\u0142nia ustalonych kryteri\u00f3w, to faktor nie b\u0119dzie dochodzi\u0142 kto ma racj\u0119. Wtedy b\u0119dzie trzeba zwr\u00f3ci\u0107 otrzymane \u015brodki i tyle. Ochrona jest przed zdarzeniami zwi\u0105zanymi z sytuacj\u0105 finansow\u0105 a nie sporem czy reklamacj\u0105. Sytuacji gdy ochrona nie dzia\u0142a jest kilka, st\u0105d konieczno\u015b\u0107 oceny ka\u017cdego ch\u0119tnego, kt\u00f3ry chce skorzysta\u0107 z faktoringu bez regresu. Jednak aby unikn\u0105\u0107 rozczarowa\u0144, w przypadku faktoringu pe\u0142nego, faktor b\u0119dzie znacznie cz\u0119\u015bciej kontaktowa\u0142 si\u0119 z naszym odbiorc\u0105 ni\u017c w przypadku niepe\u0142nego. Chocia\u017cby po to, aby potwierdzi\u0107, czy us\u0142uga zosta\u0142a wykonana poprawnie albo czy dostarczony towar spe\u0142nia oczekiwania itd.. Innymi s\u0142owy zanim wyp\u0142aci pieni\u0105dze b\u0119dzie chcia\u0142 potwierdzi\u0107 z kontrahentem to czy zap\u0142aci za faktur\u0119.<\/p>\n<p><em>BRIEF PL (29.09.2022)<\/em><\/p>\n<\/div>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;700px&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||20px||false|false&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p>Zawarto\u015b\u0107 tego artyku\u0142u jest zgodna z<\/p>\n<p>[\/et_pb_text][et_pb_team_member name=&#8221;Tomasz Domagalski&#8221; position=&#8221;Dyrektor Zarz\u0105dzaj\u0105cy Polska&#8221; image_url=&#8221;https:\/\/www.factris.com\/wp-content\/uploads\/2024\/06\/Tomasz-Domagalski_Business-portrait-6-1.jpg&#8221; icon_color=&#8221;#353540&#8243; _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; header_level=&#8221;h3&#8243; header_font=&#8221;|700|||||||&#8221; header_font_size=&#8221;21px&#8221; body_font_size=&#8221;14px&#8221; position_font=&#8221;|700|||||||&#8221; position_text_color=&#8221;#353540&#8243; position_font_size=&#8221;16px&#8221; position_line_height=&#8221;2em&#8221; border_radii_image=&#8221;on|150px|150px|150px|150px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Tomasz Domagalski jest Dyrektorem Lokalnym Factris PL1 odpowiedzialnym za opracowywanie i wdra\u017canie strategii biznesowych, zarz\u0105dzanie lokalnymi zespo\u0142ami, zapewnienie zgodno\u015bci z przepisami, budowanie relacji z klientami i partnerami oraz realizacj\u0119 cel\u00f3w finansowych.<br \/><a href=\"https:\/\/www.linkedin.com\/in\/domagalski\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" style=\"padding-top: 10px;\" src=\"\/wp-content\/uploads\/2021\/01\/linkedin.png\" width=\"20px\" height=\"20px\" alt=\"factris invoice financing factoring\" class=\"wp-image-1134 alignnone size-full\" \/><\/a><\/p>\n<p>[\/et_pb_team_member][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;700px&#8221; custom_padding=&#8221;2px||4px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_button button_url=&#8221;\/pl\/aktualnosci&#8221; button_text=&#8221;Do strony z wiadomo\u015bciami&#8221; module_class=&#8221;btn-back&#8221; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#001194&#8243; button_bg_color=&#8221;rgba(0,0,0,0)&#8221; button_font=&#8221;||||on||||&#8221; button_icon=&#8221;&#x23;||divi||400&#8243; button_icon_placement=&#8221;left&#8221; button_on_hover=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; button_text_color__hover_enabled=&#8221;off|hover&#8221; custom_padding__hover_enabled=&#8221;off|desktop&#8221; custom_padding__hover=&#8221;|||59px|false|false&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#000A54&#8243; custom_padding=&#8221;||||true|false&#8221; global_module=&#8221;2087&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||||true|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|700|||||||&#8221; header_text_color=&#8221;#ffffff&#8221; header_line_height=&#8221;2em&#8221; header_2_font=&#8221;|700|||||||&#8221; header_2_text_color=&#8221;#ffffff&#8221; header_2_font_size=&#8221;46px&#8221; header_2_line_height=&#8221;2em&#8221; header_3_font=&#8221;|700|||||||&#8221; header_3_text_align=&#8221;center&#8221; header_3_text_color=&#8221;#ffffff&#8221; header_3_font_size=&#8221;25px&#8221; header_font_tablet=&#8221;&#8221; header_font_phone=&#8221;&#8221; header_font_last_edited=&#8221;on|desktop&#8221; header_line_height_tablet=&#8221;1.8em&#8221; header_line_height_phone=&#8221;1.4em&#8221; header_line_height_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;32px&#8221; header_2_font_size_last_edited=&#8221;on|tablet&#8221; header_3_font_tablet=&#8221;&#8221; header_3_font_phone=&#8221;&#8221; header_3_font_last_edited=&#8221;on|phone&#8221; header_3_line_height_tablet=&#8221;&#8221; header_3_line_height_phone=&#8221;1.8em&#8221; header_3_line_height_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2 style=\"text-align: center;\">Buduj biznes na w\u0142asnych zasadach<\/h2>\n<h3 style=\"text-align: center;\">Zamie\u0144 nale\u017cno\u015bci na kapita\u0142 dzi\u0119ki faktoringowi<\/h3>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/www.factris.com\/pl\/kryteria\/&#8221; button_text=&#8221;Sprawd\u017a swoje mo\u017cliwo\u015bci&#8221; button_alignment=&#8221;center&#8221; module_class=&#8221;btn-tertiary-2&#8243; _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#ffffff&#8221; button_bg_color=&#8221;rgba(0,0,0,0)&#8221; button_font=&#8221;||||on||||&#8221; button_icon=&#8221;&#x24;||divi||400&#8243; button_icon_color=&#8221;#ffffff&#8221; button_on_hover=&#8221;off&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||true|true&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][et_pb_button button_url=&#8221;https:\/\/onboarding.factris.com\/pl\/sign-up&#8221; button_text=&#8221;Sfinansuj pierwsz\u0105 faktur\u0119&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; button_icon=&#8221;&#x24;||divi||400&#8243; button_icon_color=&#8221;#353540&#8243; button_on_hover=&#8221;off&#8221; custom_margin=&#8221;||18px|||&#8221; custom_padding=&#8221;10px|40px|10px|28px|true|false&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover_enabled=&#8221;on|hover&#8221; custom_padding__hover=&#8221;|50px|||true|false&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Faktoring z regresem, faktoring bez regresu, w\u0142a\u015bciwy i niew\u0142a\u015bciwy czy pe\u0142ny i niepe\u0142ny? Tyle nazw, \u017ce mo\u017cna zg\u0142upie\u0107. Szczeg\u00f3lnie, \u017ce w powszechnym rozumieniu chodzi tu tylko o jedn\u0105 cech\u0119, kt\u00f3r\u0105 ma okre\u015bla\u0107. Mianowicie chodzi o element przej\u0119cia przez faktora ryzyka braku zap\u0142aty przez odbiorc\u0119 (nazywanego tak\u017ce d\u0142u\u017cnikiem b\u0105d\u017a kontrahentem). Wed\u0142ug mnie najlepsza nazwa do okre\u015blenia [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":32469,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"<!-- wp:paragraph -->\n<p><strong>Advisory board<\/strong><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Brian Reaves <\/strong>Chief Executive Officer<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Serial entrepreneur and investor in the mobile and payments space. Brian was involved in building 21 prior businesses including 15 mobile networks and 4 payment companies.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Adam Posma <\/strong>Founder and Chief Product Officer of ClubCollect<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Adam founded ClubCollect in 2013 - a provider of membership fee collection services for sports clubs. He started his career in wealth management at BNP Paribas.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Dr. Tom F. Lesche <\/strong>Principal at Speedinvest<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Tom started his career in investment banking. Most recently, he was a Vice President at Morgan Stanley in London, advising financial technology companies on a variety of capital markets and M&amp;A transactions. At Speedinvest, he solely focuses on investments in European fintech companies.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Donatas Juodelis <\/strong>Founder of Debifo<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Donatas started his career as a lawyer but quickly moved to entrepreneurship and investments. Co-founded IT company INNTEC, co-founded factoring company Debifo and a couple of other successful startups. In most of the companies, Donatas was responsible for business and corporate development.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Faisal Hakki <\/strong>Managing director at AB Ventures<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Faisal is Managing Director at AB Ventures, the FinTech focused, early-stage Venture Capital arm of Arab Bank. Prior to joining AB Ventures, Faisal was CEO at Oasis500 \u2013 the leading seed-stage investment fund and accelerator in Jordan. Faisal has also held senior positions at Accelerator Technology Holdings, Arab Advisors Group and Fastlin.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Brian Reaves <\/strong>Chief Executive Officer<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Serial entrepreneur and investor in the mobile and payments space. Brian was involved in building 21 prior businesses including 15 mobile networks and 4 payment companies.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Adam Posma <\/strong>Founder and Chief Product Officer of ClubCollect<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Adam founded ClubCollect in 2013 - a provider of membership fee collection services for sports clubs. He started his career in wealth management at BNP Paribas.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Dr. Tom F. 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