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TRAVEL NowϦϦʔεͷཪଆ Bank, Inc - Mari Okada 2018/07/26 #techplayjp

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Mari Okada @mario_kada ɾBANK, Inc ɾGoodpatch, Inc — — Product Manager

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גࣜձࣾόϯΫͰ͢ɻ

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53"7&-/PXͱ͍͏ΞϓϦΛϦϦʔε͠·ͨ͠ɻ

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ɿͳͥʮཱྀߦʯΞϓϦΛ࡞͔ͬͨʁ ɿϦϦʔε·ͰνʔϜͰ΍͖ͬͯͨ͜ͱ ɿ͜Ε͔Βͷల๬ ຊ೔͓࿩͢Δ͜ͱ

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Կނ$"4)Λ࡞͍ͬͯͨόϯΫ͕ ཱྀߦΞϓϦΛϦϦʔεͨ͠ͷ͔ʁ 1

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ɿͳͥʮཱྀߦʯΞϓϦΛ࡞͔ͬͨʁ ɾ$"4)Ͱఏڙ͖ͯͨ͠Ձ஋ͱ࣮ݧ ɾόϯΫͱ͍͏ձࣾ͸ͲΜͳձࣾͳͷ͔ ɾਓੜʹ͓͚Δʮཱྀߦʯ ɾࣄۀͷ੒ޭ͸ʮࢢ৔બ୒ͱλΠϛϯάͱӡʯ

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όϯΫ͕ࣾల։͢ΔαʔϏε

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গֹࢿۚͷधཁΛɺॠؒతʹղܾ͢Δ $"4)Ͱఏڙ͢ΔՁ஋ͱ͸ ຊ౰͸ͪΐͬͱഎ৳ͼͯ͠ඒຯ͍͠͝͸ΜΛ৯΂ʹߦ͖͍ͨɻ ͪΐͬͱߴΊͷࢀߟॻΛങͬͯɺษڧ͍ͨ͠ɻ ͚Ͳɺࠓ͓͕ۚͳ͍͔ΒఘΊͯ͠·͏ɻ ͦΜͳମݧɺΈͳ͞Μ΋͖ͬͱܦݧͨ͜͠ͱ͕͋Δ͸ͣ

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ࠓ·Ͱͷങ͍औΓͷʮ౰ͨΓલʯ ϞϊΛૹΔ ࠪఆ͢Δ ೖۚ

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ࠪఆ͢Δ ϞϊΛૹΔ ೖۚ $"4)͕΍͍ͬͯΔ͜ͱ

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ࠓ·Ͱೋ࣍ྲྀ௨ۀքͰ͋Γಘͳ͔ͬͨ ෺ΛૹΔલʹʮଈۚʯͱ͍͏ମݧΛఏڙ

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$"4)͕΍ͬͨ͜ͱ ࠪఆ͢Δ ϞϊΛૹΔ ೖۚ ! ϞϊΛૹΒͣɺ͓͚ۚͩ ड͚औΔ͜ͱ΋Ͱ͖ͯ͠·͏

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$"4)͕΍ͬͨ͜ͱ ࠪఆ͢Δ ϞϊΛૹΔ ೖۚ ! ϞϊΛૹΒͣɺ͓͚ۚͩ ड͚औΔ͜ͱ΋Ͱ͖ͯ͠·͏ ຊ౰ʹऔҾΛͯ͘͠ΕΔ͔͸ਖ਼௚Θ͔Βͳ͔ͬͨ ʮੑળઆʹجͮ͘αʔϏεʯ͕ ੒Γཱ͔ͭࣾձ࣮ݧͷ࣮ࢪ

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ଟ͘ͷਓ͕͖ͪΜͱऔҾΛͯ͘͠ΕΔɻ ͔ͭɺগֹࢿۚधཁͷେ͖͞ΛվΊͯײ͡Δ

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ɿͳͥʮཱྀߦʯΞϓϦΛ࡞͔ͬͨʁ ɾ$"4)Ͱఏڙ͖ͯͨ͠Ձ஋ͱ࣮ݧ ɾόϯΫͱ͍͏ձࣾ͸ͲΜͳձࣾͳͷ͔ ɾਓੜʹ͓͚Δʮཱྀߦʯ ɾࣄۀͷ੒ޭ͸ʮࢢ৔બ୒ͱλΠϛϯάͱӡʯ

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ࣄۀͷ੒ޭ͸ ʮࢢ৔બ୒ͱλΠϛϯάͱӡʯ όϯΫͱ͍͏ձࣾ͸ͲΜͳձࣾͳͷ͔

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ʮ͓ۚʯʹؔΘΔ໰୊Λ ࠓ·Ͱʹͳ͍৽͍͠ํ๏Ͱղܾ͠ɺ ͢΂ͯͷਓͷՄೳੑΛ޿͛Δख఻͍Λ͍͖͍ͯͨ͠

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Έͳ͞Μͷਓੜʹ͓͚Δ ʮཱྀߦʯ͸Ͳ͏͍ͬͨଘࡏͰ͔͢ʁ

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ʮཱྀߦʯͱ͸ɺਓੜΛ๛͔ʹ͢Δ๯ݥ ཱྀߦʹߦ͘͜ͱͰɺ৭ʑͳൃݟɺ ܦݧ͕Ͱ͖ɺ੒௕͢Δ͜ͱͰ͖Δɻ

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ʮཱྀߦʯͱ͸ɺਓੜΛ๛͔ʹ͢Δ๯ݥ ͚ΕͲɺ͜ͷ๯ݥΛ͢Δʹ΋ ͔ᷮͳ͕Β͓͕͔͔ۚͬͯ͠·͏

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ɿͳͥʮཱྀߦʯΞϓϦΛ࡞͔ͬͨʁ ɾ$"4)Ͱఏڙ͖ͯͨ͠Ձ஋ͱ࣮ݧ ɾόϯΫͱ͍͏ձࣾ͸ͲΜͳձࣾͳͷ͔ ɾਓੜʹ͓͚Δʮཱྀߦʯ ɾࣄۀͷ੒ޭ͸ʮࢢ৔બ୒ͱλΠϛϯάͱӡʯ

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ࣄۀͷ੒ޭ͸ ʮࢢ৔બ୒ͱλΠϛϯάͱӡʯ

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l೥͸ ʮ͓ۚʯͷ೥ʹͳΔz

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l೥͸ ʮཱྀߦʯͷ೥ʹͳΔz

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53"7&-/PXॳظϞοΫ͸ ೥݄ʹ࡞੒

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ɿͳͥʮཱྀߦʯΞϓϦΛ࡞͔ͬͨʁ ɾ$"4)Ͱఏڙ͖ͯͨ͠Ձ஋ͱ࣮ݧ ɾόϯΫͱ͍͏ձࣾ͸ͲΜͳձࣾͳͷ͔ ɾਓੜʹ͓͚Δʮཱྀߦʯ ɾࣄۀͷ੒ޭ͸ʮࢢ৔બ୒ͱλΠϛϯάͱӡʯ

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ϦϦʔε·ͰʹνʔϜͰ΍͖ͬͯͨ͜ͱ 2

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ϦϦʔε࣌Ϗδωε໊ɾΤϯδχΞ໊ɾσβΠφʔ໊ ΦϖϨʔγϣϯ໊ͷ໊ͷνʔϜ

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ࠓ͸"OESPJEΤϯδχΞ΋૿͑ɺ߹ܭ໊ͷνʔϜͰ΍͍ͬͯ·͢

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ɿϦϦʔε·ͰʹνʔϜͰ΍͖ͬͯͨ͜ͱ ɾʮ౰ͨΓલʯͷϑϩʔɾߟ͑ํͰ΍Βͳ͍ ɾར༻ମݧΛ࠷େԽ͢ΔͨΊʹଥڠ͠ͳ͍ ɾαʔϏεͷཪଆ͸࠷௿ݶͰ࢝ΊΔ ɾϦϦʔε͸ͱʹ͔͘ΠϯύΫτΛ࡞Δ

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ᶃϢʔβʔςετͱ͔ͨ͘͞Μ΍ͬͯΔΜͰ͔͢ ᶄϦϦʔεલͷՁ஋ݕূͲΕ͘Β͍΍Γ·͔ͨ͠ ᶅཱྀߦʹؔ͢ΔεϖγϟϦετ͸͍ΔΜͰ͔͢ ฉ͔Εͦ͏ͳ͜ͱ "

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ͲΕ΋౴͑͸/P #

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λΠϛϯά͕࠷ॏཁͳͷͰɺ ࢢ৔ʹϓϩμΫτΛग़͢͜ͱΛ࠷༏ઌʹಈ͍͖ͯͨ ࣗ෼ͨͪͷײ֮Λ৴ͯ͡ ͋͑ͯݕূ͸΍Γ͗͢ͳ͍ ᶃᶄࣄલͷݕূΛ͋·Γ΍Βͳ͔ͬͨཧ༝

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λΠϛϯά͕࠷ॏཁͳͷͰɺ ࢢ৔ʹϓϩμΫτΛग़͢͜ͱΛ࠷༏ઌʹಈ͍͖ͯͨ ࣗ෼ͨͪͷײ֮Λ৴ͯ͡ ͋͑ͯݕূ͸΍Γ͗͢ͳ͍ ΋ͪΖΜΊͪΌͪ͘Ό΍Γ͍ͨؾ࣋ͪ͸͋ͬͨ ᶃᶄࣄલͷݕূΛ͋·Γ΍Βͳ͔ͬͨཧ༝

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ۀքͷ׳श΍౰ͨΓલͷʮόΠΞεʯ͕ ͔͔͍ͬͯͳ͍ঢ়ଶͰͷײ֮Λେࣄʹͯ͜͠Εͨ ᶅཱྀߦʹؔ͢ΔεϖγϟϦετ͕͍ͳ͍͔ΒͰ͖ͨ͜ͱ

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ۀքͷ׳श΍౰ͨΓલͷʮόΠΞεʯ͕ ͔͔͍ͬͯͳ͍ঢ়ଶͰͷײ֮Λେࣄʹͯ͜͠Εͨ ΋ͪΖΜΊͪΌͪ͘Όۤ࿑͠·ͨ͠ʜ ᶅཱྀߦʹؔ͢ΔεϖγϟϦετ͕͍ͳ͍͔ΒͰ͖ͨ͜ͱ

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ɿϦϦʔε·ͰʹνʔϜͰ΍͖ͬͯͨ͜ͱ ɾʮ౰ͨΓલʯͷϑϩʔɾߟ͑ํͰ΍Βͳ͍ ɾར༻ମݧΛ࠷େԽ͢ΔͨΊʹଥڠ͠ͳ͍ ɾαʔϏεͷཪଆ͸࠷௿ݶͰ࢝ΊΔ ɾϦϦʔε͸ͱʹ͔͘ΠϯύΫτΛ࡞Δ

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ʮཱྀߦʯͷػձΛੜΈग़ͨ͢Ίʹ ͩ͜Θ͍ͬͯΔϙΠϯτ ɾ؆୯ʹτϥϕϧͰ͖Δʂ ɾ࢖ָ͍͍ͬͯͯ͠

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࢖͍ͬͯͯɺ৮ָ͍͍ͬͯͯ͠ମݧΛͭ͘Γɺ ʮτϥϕϧ͢ΔʯΛޙԡ͢͠Δ

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ɾ໊લʢ׽ࣈʣ ɾ໊લʢͻΒ͕ͳPSΧλΧφʣ ɾి࿩൪߸ ɾϝʔϧΞυϨε ɾੜ೥݄೔ ɾॅॴ ɾੑผ ɾۓٸ࿈བྷઌ ɾύεϙʔτ৘ใʢւ֎ཱྀߦͷ৔߹ʣ ҰൠతͳཱྀߦαΠτͰਃࠐ࣌ʹඞཁͳ৘ใ

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ɾ໊લʢ׽ࣈʣ ɾ໊લʢΧλΧφʣ ɾి࿩൪߸ ɾϝʔϧΞυϨε ɾੑผ ɾੜ೥݄೔ ɾॅॴ ɾۓٸ࿈བྷઌ ɾύεϙʔτ৘ใʢւ֎ཱྀߦͷ৔߹ʣ 53"7&-/PXਃࠐ৘ใʢࠃ಺ཱྀߦͷ৔߹ʣ

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ؔ܎اۀͷํʑʹϨϏϡʔΛ͍ͨͩ͘ɻ ʮ͜Ε͸͋ͬͨΒ͍͍ʯʮͳ͍ͱବ໨Ͱ͢Αʯ Α͋ͬͨ͘͜ͱ ຊ౰ʹͦ͏ͳͷͩΖ͏͔ʁʁ "

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ᶃ ๏཯తͳ؍఺ ᶄ ҰൠతͳଞαʔϏεͰ͋ΔΑ͏ͳػೳ ᶅ ϦεΫϔοδͷҝͷΞυόΠε ᶆ ݸਓͱͯ͠ͷҙݟ ʮ͋ͬͨΒ͍͍ʯͷཪଆ શͯड͚ೖΕͯ͠·͏ͱɺαʔϏεͱͯ͠ͷ͕࣠ϒϨΔ

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ؔ܎اۀͷํʑʹϨϏϡʔΛ͍ͨͩ͘ɻ ʮ͜Ε͸͋ͬͨΒ͍͍ʯʮͳ͍ͱବ໨Ͱ͢Αʯ Α͋ͬͨ͘͜ͱ ͭͭಡΈղ͍ͯɺඞཁͳ΋ͷ͚ͩΛऔΓࠐΜͰ͍͘

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ͦΕ͸ຊ౰ʹඞཁͳͷ͔ʁ कΓʹೖ͍ͬͯͳ͍͔ʁ ଥڠ͍ͯ͠ͳ͍ʁ Λࣗ෼ͨͪʹ໰͏

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ʮαʔϏεͷੈք؍ʯʮ๏ྩ९कʯͷ όϥϯεΛ่͞ͳ͍ ʮ͋ͬͨΒ͍͍ʯ͸҆қʹೖΕͳ͍ɻ

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ɿϦϦʔε·ͰʹνʔϜͰ΍͖ͬͯͨ͜ͱ ɾʮ౰ͨΓલʯͷϑϩʔɾߟ͑ํͰ΍Βͳ͍ ɾར༻ମݧΛ࠷େԽ͢ΔͨΊʹଥڠ͠ͳ͍ ɾαʔϏεͷཪଆ͸࠷௿ݶͰ࢝ΊΔ ɾϦϦʔε͸ͱʹ͔͘ΠϯύΫτΛ࡞Δ

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αʔϏεϦϦʔεॳ೔

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݅ͷ͏ͪɺ Ұ෦ͷΧςΰϦ͸ࣾһ਺ेਓͰ खಈͰख഑ͷ࣮ࢪʜʂ

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ࣾ಺ͷ༷ࢠ

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ӡ༻ͰΧόʔʜ ʢ*5اۀ͚ͩͲΞφϩάͷͱ͜Ζ΋͋Δʣ

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࠷దԽ͠ͳ͔ͬͨཧ༝ ͲΕ͘Β͍ΠϯύΫτ͕͋Δ͔ɺ ͲΜͳ՝୊͕ग़ͯ͘Δ͔࣮ࡍʹӡ༻࢝͠ΊͯΈͳ͍ͱ ෼͔Βͳ͍͜ͱ͕ଟ͍

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࠷దԽ͠ͳ͔ͬͨཧ༝ ཪଆΛ࡞ΓࠐΜͰ͔ΒɺϦϦʔεͨ͠ͱͯ͠΋ɺ ํ޲స׵͢Δ͜ͱ΋͋Γ͑Δɻ ·ͨɺํ޲స׵ͮ͠Β͘ͳͬͯ͠·͏ɻ γεςϜ࿈ܞ΍࠷దԽ͸ޙͰ΋Ͱ͖ΔͷͰ ग़͔ͯ͠Βߟ͑Δ

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αʔϏεͷཪଆ͸࠷খݶͰ࢝ΊΔ αʔϏεͷίΞͱͳΔମݧ෦෼͸ଥڠ͠ͳ͍

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ɿϦϦʔε·ͰʹνʔϜͰ΍͖ͬͯͨ͜ͱ ɾʮ౰ͨΓલʯͷϑϩʔɾߟ͑ํͰ΍Βͳ͍ ɾར༻ମݧΛ࠷େԽ͢ΔͨΊʹଥڠ͠ͳ͍ ɾαʔϏεͷཪଆ͸࠷௿ݶͰ࢝ΊΔ ɾϦϦʔε͸ͱʹ͔͘ΠϯύΫτΛ࡞Δ

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͔ͳΓͿͬͱΜͩ ΩϟϯϖʔϯΛ΍Γ·ͨ͠

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ۀք΁ͷαʔϏεΠϯͷ ΠϯύΫτ͕ͱͯ΋େࣄ

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ۀքͷதͰͷଘࡏײΛग़͍ͯ͘͠

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ۀքͷதͰͷଘࡏײΛग़͍ͯ͘͠

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࣍ͷҰखͷଧͪ΍͕͢͞มΘͬͯ͘Δ αʔϏεΠϯͷΠϯύΫτʹΑͬͯ

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ɿϦϦʔε·ͰʹνʔϜͰ΍͖ͬͯͨ͜ͱ ɾʮ౰ͨΓલʯͷϑϩʔɾߟ͑ํͰ΍Βͳ͍ ɾར༻ମݧΛ࠷େԽ͢ΔͨΊʹଥڠ͠ͳ͍ ɾαʔϏεͷཪଆ͸࠷௿ݶͰ࢝ΊΔ ɾϦϦʔε͸ͱʹ͔͘ΠϯύΫτΛ࡞Δ

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͜Ε͔Βͷల๬ 3

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%ઈࢍϦϦʔεޙͷݕূத%

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ɾ"OESPJE൛53"7&-/PXͷϦϦʔε ɾ঎඼ϥΠϯφοϓΛ૿΍͍ͯ͘͠ ɾαʔϏεͷར༻ମݧΛΑΓΑ͍΋ͷʹ͍ͯ͘͠ ΍͍͖͍ͬͯͨ͜ͱ

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΍͍͖͍ͬͯͨ͜ͱ Ҿ͖ଓ͖ɺ৽͍͠ମݧΛఏڙͰ͖ͳ͍͔͸໛ࡧத ɾ"OESPJE൛53"7&-/PXͷϦϦʔε ɾ঎඼ϥΠϯφοϓΛ૿΍͍ͯ͘͠ ɾαʔϏεͷར༻ମݧΛΑΓΑ͍΋ͷʹ͍ͯ͘͠

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͜Ε͔Β΋ͲΜͲΜ ߈ΊͨϓϩμΫτΛ࡞͍͖ͬͯ·͢

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l೥͸ ʮཱྀߦʯͱʮ˔˔ʯ ͷ೥ʹͳΔz

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Ұॹʹ࡞Γ্͛ͯ͘ΕΔ஥ؒ΋ େืूͯ͠·͢ʂʂʂ ʢಛʹ1.ɾαʔόʔαΠυɾηʔϧεʣ

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͝ਗ਼ௌ͋Γ͕ͱ͏͍͟͝·ͨ͠ʂ