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CONFIDENTIAL
25-Sep-17
Comprehensive Financial Management System (CFMS),
“Expenditure Management-Treasury”
TCS Confidential 1
The main objective of this presentation are:-
� To provide a visual idea about the Treasury Module.
�ेजर� मॉ�यूल के बारे म� एक ��य �वचार �दान करने के �लए।
� To make understand the process flows of the module.
मॉ�यूल क� ���या �वाह को समझने के �लए।
� To make understand the sub-processes and functionalities of the modules.
मॉ�यूल क� उप-���याएं और काय&�णाल� समझने के �लए ।
� To make understand the roles and process of the stakeholders.
(हतधारक+ क� भू�मकाओ ंऔर ���याओ ंको समझने के �लए ।
Objective
www.e-nidhi.bihar.gov.in
TCS Confidential 2
� Comprehensive bi-lingual (Unicode based) web-based solution.
� One time data capture/entry at source only.
� Dashboards with real time updates about Revenue and Expenditure
� Automated Validation and Reconciliation
� Workflow based automation.[FOA->DA->HA-TO]
� Digital sign facility .
� Various user friendly reports.
Benefits
TCS Confidential 3
� Real Time Information Availability – For Treasury Module, CFMS will provide
the stakeholders with real time information regarding Expenditure, Budget,
Cheque, PL payment and Pension to facilitate government-wide and agency
specific policy decisions.
� Single Source of Truth – This module will enable for capturing the data at the
source of origin and eliminate data redundancy & duplication.
� Stakeholder Convenience – This module will enhance the convenience of
stakeholders, including citizens, employees & pensioners, vendors by providing
better facilities and online data/ information sharing.
Benefits-Contd.
TCS Confidential 4
� Minimal Reconciliations - This module will enable automatic reconciliation of
receipt and expenditure at treasuries and the respective departments. It will
also facilitate automated reconciliation of daily scrolls; date-wise monthly scrolls
and clearance memorandum.
� Financial Discipline - This module will bring out effective financial discipline in
terms of accuracy and effective expenditure control, better management of
pension and cheque along with effective payment processing of PL.
� Speed and Certainty in Service Delivery – This module will be capable of
speedy and transparent delivery of services such as faster payment of invoices/
claims of vendors/ employees, speedy refund, computerized acknowledgement
etc.
Benefits – Contd.
TCS Confidential
Expenditure Management-Treasury
6
Bill Processing and e-Payment
Treasury Masters
Pension Management
PL/PD Payment Processing
Cheque Management
Pension Grievance
Integration
TCS Confidential
Treasury Masters & Household Maintenance
8
Household Maintenance: It is a type of functionality which will be used by the treasury
officer as per the requirement from time to time.
Bill Distribution Logic : Before processing of the bill in a treasury, the bills need to be mapped to a particular Dealing Assistant/Head Accountant with DDO[s].This mapping would be
done by Bill distribution process.
Monthly Closing Master: Using this functionality, the various processes like account
verification and submission, and closing of account are done before actually sending the
accounts to the authorities.
Bank- Branch Master: Using this functionality, the bank branches can be added/modified in
the Treasury. It will be treated as module specific masters.
TCS Confidential 10
Overview of Bill Processing
� Bills are of different types depending upon Treasury forms[Like Pay Bill, Works
& Forest Bill, AC bill, etc] with specific validations as per the specific Treasury
Forms/ Head of Accounts.
� Front Office Assistant (FOA) will inward the bill after receiving the physical bill
from Drawing and Disbursing Officer (DDO). Simultaneously, the system will
generate a unique Token number, which will be unique throughout the current
financial year.
� Proposed system automatically distributes the bill to Dealing Assistant (DA)/
Head Accountant (HA) according to pre-defined mapping with the DDOs.
� Dealing Assistant, Accountant and Treasury Officer (TO)/Assistant Treasury
Officer (ATO) check the bills thoroughly as a part of Back Office activity.
TCS Confidential 11
� Bills can be objected from lower to higher level based on the workflow
hierarchy.
� During bill processing, allotment against Head of Accounts are always available
for crosschecking with the bill’s amount and objection is raised if the sanctioned
fund is not available.
� If Treasury Officer (TO)/Assistant Treasury Officer (ATO) finds the bill according
to the rules and validations, then the TO/ATO will approve the bill, and pay
order and will generate the pay mandate.
� If any objection were raised then Drawing and Disbursing Officer (DDO) would
be intimated with reasons of objection for rectification by sending the bill back
from treasury.
Overview of Bill Processing- Contd.
TCS Confidential 12
� Payment for the bill starts after the bill have been processed at the treasury
end. After generating the Advice the amount will be credited in 8670(Major
Head)(Cheques and Bills). The RBI will pay the bill amount to the respective
beneficiary by following the IFSC and Account No. basically.
� The RBI will send the e-scroll with the successful and failed payment details to
the treasury. Amount not credited to the recipient bank account is called Failed
transaction. The amount will be credited in 8658 Major Head (Suspense
Account) until the DDO rectifies the bill.
� It can be failed due to the mismatch of the given account details. Amount paid
will be shown credited in the payment side of the govt account i.e. 8675 Major
Head.
Overview of Bill Processing- Contd.
TCS Confidential 13
� After getting the failed transactions report from treasury, the DDO will rectify the
account number and IFSC code. The treasury will then generates the
repayment bill for failed transaction and sends e-advice to RBI for payment.
� For cheque payment, cheque is prepared by the cheque writer and signed by
the Treasury/Assistant Treasury Officer.
� DDO through its messenger will receive the cheque and present it to the DDO,
who makes payment to the beneficiaries.
� System will generate e-mail/SMS alert (as applicable) and send it beneficiaries
wherever applicable and needed.
Overview of Bill Processing- Contd.
TCS Confidential 14
Functionality Comparison of Bill Processing
# CFMS Process CFMS Process CFMS Role CTMIS Role
1. Front Office
Bill Receive/Token
Front Office
Assistant
Pay Clerk
Cheque Delivery Dealing Assistant
Nil Bill Delivery(
Adjustment, BT,PL-
Transfer)
Accountant
Objection Memo
Delivery
Treasury Office
2. Bill Processing
and Pay Order
Approval
Bill Processing and
Pay Order Approval
Dealing Assistant,
Accountant, TO
Dealing Assistant,
Accountant, TO
3. Bill Query with
Including Facility
for Pay Mandate
Bill Query with
Including Facility for
Pay Mandate
Dealing Assistant,
Accountant, TO
Dealing Assistant,
Accountant, TO
4. Approval for
Overruling FIFO
Approval for
Overruling FIFO
Treasury Officer NA
TCS Confidential 15
# CFMS Process CFMS Sub
Process
CFMS Role CTMIS Role
5. Bill Deliverables
Generation Of Nil Bill
Statement(Adjustment
, BT, PL transfer)
Treasury
Officer
Dealing Assistant,
Accountant, TO
Cheque
Generation(Printing)
Cheque
Writer
NA
Cheque Reject/Cancel Treasury
Officer
Treasury Officer
6. Generation of
Objection Memo
Generation of
Objection Memo
Treasury
Officer
Treasury Officer
7. Failed Transaction DDO rectifies the
transaction and then
TO generates the
consolidated bill.
Treasury
Officer will
generate the
Bill
Treasury Officer collects the
changes from DDO offline
and generates the bill.
Functionality Comparison of Bill Processing-Contd.
TCS Confidential 16
Key Features - Bill Processing
� Bill Receiving
� Bill Redistribution
� Bill Processing and Pay order Approval
� Payment Processing
� Bill Deliverables
� Bill Status Search
� Bill Preparation against Failed Transaction
� Cancellation of E-PAYMENT or Cheque cancellation after delivery.
TCS Confidential 18
� Bill Receiving(Inward) :
1. Bill is received by Front Office Assistant and sent to mapped
Dealing Assistant.
2. FOA will only inward the bill when he will get the physical copy of the
bill from DDO Messenger.
� Token Generation:
1. Token is generated after successful bill receiving.
2. A printed token is provided to DDO for further reference
� Cheque Delivery:
1. Using this functionality, Cheque can be delivered to the DDO.
2. Voucher No will be generated after delivery of the cheque.
Detailed will be covered in Cheque Management Module.
Front Office Activity
TCS Confidential 19
� Nil Bill Delivery:
1. This functionality is used by front office assistant for delivery of the Nil Bill.
A. Adjustment Nil Bill
B. Book Transfer Nil Bill/Zero
C. PL-Transfer Nil Bill
� Objection Memo Delivery:
1. This functionality is used for the delivery of an objection memo which is already
generated by the TO against an objected bill.
Front Office Activity- Contd.
TCS Confidential 21
� Bill Redistribution: Bills can be redistributed again after prior distribution if the TO feels
that some Dealing Assistant/Head Assistant is overloaded or any DA/HA is absent or for any
other valid reasons. It can be redistributed by DA wise and HA wise.
� Bill Processing and Pay Order Generation : Role based bill is processed in
workflow hierarchy. The Dealing Assistant (DA)/Accountant (Acct.) and finally the Treasury
Officer/Assistant Treasury officer will verify, process and approve the bill. If all the
validations, rules and regulations of bill are correct, the Treasury Officer/Assistant Treasury
Officer will generate the pay order in CFMS for payment processing.
� Payment Processing: This functionality enables auto consolidation of all the bills and
bifurcate the bills based on selection of mode of payment, that is, e-payment mode and
cheque payment mode. Treasury generates pay mandate for one DDO or for all DDO.
Bill Processing and e-Payment
TCS Confidential 22
Each pay mandate has a payment mandate (advice) ID. Treasury Officer will send it to RBI/SBI
through Secure-FTP Server.
� Bill Deliverables: Through this process, where there is no payment is involved, all Nil Bill
Statement, Cheque Generation(Printing), Cheque Reject/Cancel and Objection memo will
be generated.
� Bill Status Search: This is screen by which the status of a particular bill can be checked
by any of the Treasury users.
� Bill Query with Including Facility for Pay Mandate: This functionality is used for
adding a bill if it is not showing in the Pay Mandate Generation.
Bill Processing and e-Payment – Contd.
TCS Confidential 23
� Approval for Overruling FIFO : The approval of overruling FIFO process will be used,
when the DDO has to pass a bill quickly due to some valid reasons. The Treasury officer will
approve/reject it with proper comments. The overruled token no. will be in the top of order
[Priority based] to the user on which the token no was lying.
� Failed Transactions
� Bill against Failed Transaction:
Treasury will receive e-scroll regarding successful payment and failed payment. DDO
will rectify and send it to treasury, after that Treasury Officer will generate the
repayment bill against the failed transaction.
� Cancellation of Failed Transaction:
On request from the DDO, the treasury officer can also cancel the bill as
reduction in expenditure and challan will be generated. In this case the amount will
be refunded in the Debit Head.
Bill Processing and e-Payment – Contd.
TCS Confidential 24
Business process Re-engineering
These are the main business process re-engineering
� Online Direct payment to the beneficiary
� TO will have the Digital Sign facility.
TCS Confidential 26
Overview of Cheque Management
� The Cheque management module deals with process flow from cheque
requisition to delivery of cheque to the DDO messenger. Below mentioned
flowchart shows all the steps involved in the cheque management process.
The process steps involved in Cheque Management are mentioned below:
� TO will raise a request for cheque indent and send it to Nodal/Cyber treasury.
� Nodal /Cyber Treasury will send cheque indent to Govt. of India press if no
cheque is available for a given treasury.
� On invoice of cheque, the Nodal /Cyber Treasury will distribute the cheque to
respective treasury office.
� The treasury officer will distribute the cheque to cheque writer.
TCS Confidential 27
Key Features – Cheque management
� Cheque Indent Capture
� Cheque Invoice Capture
� Cheque Issue from Strong Room
� Cheque Distribution
� Cheque Status Query
� Cheque Generation(Printing)
� Cheque Reject/Cancel
TCS Confidential 28
Functionality Comparison of Cheque Management
# CFMS Process CFMS Sub Process CFMS Role CTMIS Role
1. Cheque Indent
Capture
Cheque Indent Capture TO/ATO NA
2. Cheque Invoice
Capture
Cheque Invoice Capture TO/ATO NA
3. Cheque Issue
from Strong
Room
Cheque Issue from
Strong Room
TO/ATO NA
4.Cheque
Distribution
Blank Cheque Issue TO/ATO NA
Cheque Redistribution NA
Mutilate Cheque NA
TCS Confidential 29
# CFMS Process CFMS Sub
Process
CFMS Role CTMIS
5. Cheque Status Query Cheque Status Query DA/HA/TO/ATO/C
heque Writer
NA
7. Cheque
Generation(Printing)
Cheque
Generation(Printing)
Cheque Writer NA
8. Cheque
Reject/Cancel
Cheque Reject/Cancel Treasury Officer NA
Functionality Comparison of Cheque Management- Contd.
TCS Confidential 30
Cheque Management Process Flow
CHEQUE MANAGEMENT
GO
I P
ress
Tre
asu
ryN
od
al
Tre
as
ury
NO
Cheque Book
Request “Cheque
Indent”
DA Will raise
Cheque Indent
En
d
FoA Will deliver
the cheque to
DDO Messenger
Issuing blank
Cheque to
cheque writers
TO
Approves?
Cheque writers
print the Cheque
after approval of bill
Sta
rt
Do the Nodal
Treasury has
cheque?
Cheque Book
Request
“Cheque Indent”
NO
Provides Cheque
Book with Invoice
to Nodal Treasury
Cheque Invoice
Received along
with Cheque
Books
Cheque Issued
to respective
Treasury
YES
TCS Confidential 31
Cheque Management
� Cheque Indent Capture: The cheque indent requests raised by the treasury is
maintained using this functionality.
� Cheque Invoice Capture: Based on the indents received from the treasuries, the
Government of India (GoI) press/Nodal treasury sends cheque to the requesting treasury.
Cheques are sent to the treasury as per the indent placed based on the stock available with
the GoI press/Nodal Treasury.
� Cheque Distribution
Blank Cheque Issue: This functionality is used to issue blank cheques by TO/ATO to
cheque writers.
Cheque Redistribution: Using cheque re-distribution functionality cheques are
redistributed from the lot that has been allocated to some cheque writer but remaining unused
with allocated cheque writer. This enables the flexibility to re-assign cheques to a cheque
writer who needs it from another cheque writer who has surplus number of cheques.
TCS Confidential 32
Mutilate Cheque : This functionality is used to destroy/cancel cheques, which has been mutilated and cannot be printed and used.
� Cheque Status Query: This functionality is used at the Treasury for checking the status of a cheque.
� Cheque Generating(Printing)-Through Bill Deliverables : Using this functionality,
Cheque can be printed or re-printed by the cheque writer.
� Cheque Delivery-Through Front Office : Using this functionality, Cheque can be
delivered to the DDO. Voucher No will be generated after delivery of the cheque.
� Cheque Reject/Cancel : In case of any discrepancy in the generated cheque or
because of time lapse after delivery of cheque or loss of the cheque, the cheque can be
rejected or cancelled through this functionality. Cheque rejection is available before the
delivery of the cheque whereas cancellation is applicable after the delivery.
Cheque Management- Contd.
TCS Confidential 34
Functionality Comparison of PL Payment Processing# CFMS Process CFMS Sub
Process
CFMS Role CTMIS
1. Processing of
PL/PD Cheques
Processing of PL/PD
Cheques
Dealing Assistant Pay Clerk / Dealing
Assistant
2. Approval/Objectio
n of PL/PD
Cheque
Approval/Objection
of PL/PD Cheques
TO TO
3.Cheque Transfer
To Administrator
Administrator to
Administrator
Dealing Assistant Dealing Assistant
Administrator To
Administrator
Transfer Approval
Treasury Officer Treasury Officer
Transfer to BT Head Dealing Assistant Dealing Assistant
Transfer to BT Head
Approval
Dealing Assistant Dealing Assistant
PL Cheque
Cancellation
Treasury Officer Treasury Officer
TCS Confidential 35
Functionality Comparison of PL Payment Processing# CFMS Process CFMS Sub Process CFMS Role CTMIS
4. Online PL/PD
Payment Processing
Online PL/PD Payment
Processing
Dealing Assistant NA
5. Treasury Receipt
Advice Approval (e-
Payment List for
PL/PD)
Treasury Receipt
Advice Approval (e-
Payment List for
PL/PD)
Treasury Officer NA
6. Final Payment Final Payment Treasury Officer NA
TCS Confidential 36
PL/PD Payment Processing
Processing of PL/PD Cheques
� Cheque Receiving: Cheques issued by PL/PD administrator to the treasury are
capture in the system using this functionality. This is a temporary provision to capture
the details of PL/PD cheques at the treasury. Once the PL/PD module gets online this
functionality will be retired.
� Approval/Objection of PL/PD Cheques : This functionality is used by TO/ATO
to Approve/Object the PL/PD cheque received at the treasury.
� Cheque Transfer To Administrator : This functionality is used to transfer and
approve the cheque amount issued by particular PL/PD administrator to other
administrators within the treasury for a particular scheme.
� Administrator to Administrator : This functionality is used to transfer the cheque
amount issued by particular PL/PD administrator to other administrators within the
treasury for a particular scheme.
TCS Confidential 37
� Administrator to Administrator Approval : This functionality is used to approve the
‘administrator-to-administrator’ transfer request raised in the system for the cheque transfer
to administrator process.
� Transfer to BT Head : This functionality is used to raise a request to transfer the
amount under PL/PD cheque to BT head as requested by PL/PD administrator.
� Transfer to BT Head Approval : This functionality is used to raise a request to transfer
the amount under PL/PD cheque to BT head as requested by PL/PD administrator.
� PL Cheque Cancellation: This functionality is used to raise a request to transfer the
amount under PL/PD cheque to BT head as requested by PL/PD administrator.
PL/PD Payment Processing- Contd.
TCS Confidential 39
Key Features – Pension Management
� Pension Database and Processing
� Bill Generation and Approval
� Pensioner’s Detail
� Pension Transfer and Approval
� Revision of Components
� Pension Grievance
� Bill Print
TCS Confidential 40
Functionality Comparison of Pension Management
# CFMS Process CFMS Sub Process CFMS Role CTMIS
1.
Pension
Database and
Processing
PPO Entry/Approval Treasury Users DA and TO
Pensioner Status Treasury Users DA and TO
Life Certificate Capture Treasury Officer DA and TO
Conversion of Service
Pension to Family Pension
Treasury Users DA and TO
Conversion of Family
Pension to Family Pension
Treasury Users DA and TO
Conversion of Family
Pension to Family Pension
Treasury Users DA and TO
2.Bill Generation
and Approval
First Pension Treasury Users Treasury Users
Monthly Pension Treasury Users Treasury Users
Arrear Pension Treasury Users Treasury Users
Life Time Arrear Pension Treasury Users Treasury Users
TCS Confidential 41
Functionality Comparison of Pension Management- Contd.
# CFMS Process CFMS Sub Process CFMS Role CTMIS
3.Pensioner’s
Detail
Book Transfer Entry Treasury Users Treasury Users
Additional Beneficiary
Payment
Treasury Officer NA
EFP to Normal Pension Treasury Officer NA
CVP Restoration Treasury Officer Treasury Users
Age Calculation Treasury Officer Treasury Users
4. Pension
Transfer and
Approval
Pension Transfer and
Approval
Treasury Users Treasury Officer
5. Revision of
Components
Revision of Components Treasury Officer DA and TO
TCS Confidential 42
Functionality Comparison of Pension Management- Contd.
# CFMS Process CFMS Sub Process CFMS Role CTMIS
6. Pension
Grievance
Pension Grievance Treasury Users/Help
Desk/Concern Authority
Treasury
Users/Help
Desk/Concern
Authority
7. Bill Print Bill Print Treasury Users/Draft Treasury Users
TCS Confidential 45
Pension Database and Processing
� Pension Database
� PPO Entry and Approval- Will enter the PPO Details sent by the AG. TO
will approve it. In case of any discrepancy ‘Sent for Revision’ facility is
available.
� Sanction- Enters the sanction related information.
� Classification- Fills the one time payment option.
� Family Nominee- Enters the family details along with the account details.
� Pensioner Status- Facility to check the status like running, suspended or closed.
� Life Certificate Capture- A process to capture the life certificate.
� Conversion of Service Pension to Family Pension- Provides the facility to
convert the service pension into family pension in case of death of the main
pensioner.
TCS Confidential 46
Pensioner’s Detail
� Conversion of Family to Family Pension- Provides the facility to convert the
family pension into family pension in case of death of the family pensioner.
� Book Transfer Entry - Book Transfers (BT) to be deducted from pensioners can
be captured using this functionality. These BT amounts are required primarily for
deduction of Income tax from pension amount or any other reasons such as in
cases of recovery of loans or other dues from the pensioner, which could not be
settled during his/her service period.
� Additional Beneficiary Payment- Pensioner’s pension amount can be
transferred to the other beneficiary. Like for some penalty to a pensioner to
provide some amount to a third party. This can be one time or for some duration.
TCS Confidential 47
� Age Calculation – An additional pension (as percentage of basic pension) is given
to pensioner/family pensioner on attainment of 80 years of age. The calculation in
such additional pension is done through Age Calculation in Pension module.
� Restoration of Commuted Value of Pension [CVP] : A pensioner may commute a
certain portion of his/ her basic pension at the time of retirement to get a lump sum
amount called commuted value of pension. The amount commuted is deducted
from basic pension to calculate the monthly pension amount. After 15 years, such
commuted amount is restored and deduction of commuted amount from basic
pension is discontinued. This restoration of CVP amount is done through this
functionality.
� EFP to NFP: If a Pensioner deceases within 7 years (within the EFP up to date as
capture) from the commencement of the Pension, the family is entitled for
Enhanced Family Pension only up to 7 years (up to the EFP up to date as capture).
After the EFP up to date the basic pension is reduced to NFP amount such
conversion of EFP to NFP amount is done through this functionality. To perform
each task the user needs to click on the appropriate radio button.
Pensioner’s Detail- Contd.
TCS Confidential 48
� Pension Transfer and Approval
• Bank Transfer- PPO can be transferred to the same bank branch or the other
bank.
• Treasury Transfer- PPO can be transferred from one treasury to other
treasury.
• State Transfer- PPO can be transferred from the current state to other state.
For this a transfer certificate will be provided to the AG.
� Revision of Components - Using this functionality the user can revise the rates
of various components payable to a pensioner. Thus, user may capture a new
component, which is applicable for a particular pensioner or, a new rate for a
particular component from a specific date like Basic Pension, Dearness Allowance,
Recovery etc.
� Bill Print- Using this functionality the office can take the print of the various bills.
i) First Pension Bill, ii) Arrear Bill, iii) Monthly Bill, iv) Life Time Arrear Bill
Pensioner’s Detail-Contd.
TCS Confidential 49
Pension Bill Generation and Approval
� First Pension: In this form three different bills will be generated with respective
heads. Category Bill, CVP Bill and Gratuity Bill.
� Monthly Pension : In this bill will be generated upon the selection of the category
type
of a month. In the same month the bill can not be generated of the same category.
� Arrear Pension: Any type of amount that is not given can be paid with this bill.
� Life Time Arrear: One time amount to any pensioner can be provided with this
type of bill.
TCS Confidential 50
Pension Grievance
Pension Grievance
Ex: www.biharpensiongriev.gov.in
The Pensioner may have a grievance related to his/her pension. Pension
Grievance facility for a pensioner will help him to submit his complain.
Following are the main features in respect to Pension Grievance:
1. Pensioner will register in the portal against the complain.
2. Pensioner will get a grievance id against the complain.
3. The Grievance will be accepted by the Grievance cell.
4. The Grievance will resolved by the respective person.
5. The pensioner will be able to see the status of his/her grievance.
6. Finally the grievance will be resolved and disposed.
TCS Confidential 51
Integration
� Internal Integration: There will be no internal integration as the CFMS will work as
a single database.
� External Integration: There will be following external integral with Treasury regarding various uses.
CFMS
Expenditure
Management
- Treasury NSDL
Agency Bank
SMS Service
RBI
SBI
Digital Sign
IT Department
PFMS-Centrally
Aided Project
AG
TCS Confidential
109
207
246
Dark 1
255
255
255
Light 1
131
56
155
Dark 2
0
99
190
Light 2
85
165
28
Accent 1
214
73
42
Accent 2
185
175
164
Accent 3
151
75
7
Accent 4
193
187
0
Accent 5
255
221
62
Accent 6
255
255
255
Hyperlink
236
137
29
Followed Hyperlink
127
175
221
Tata Blue 50%
203
215
238
Tata Blue 25%
179
149
197
Purple 50 %
212
195
223
Purple 25 %
255
242
171
Yellow 50 %
255
249
213
Yellow 25 %
229
205
186
Brown 50 %
248
241
235
Brown 25 %
180
213
154
Green 50 %
214
231
200
Green 25 %
241
240
202
Light Green 50%
251
251
241
Light Green 25%
Title and Content
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