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Pagos products take desktop and stove piped solutions and turns them into integrated, web based enterprise application. Our product integrates with existing spreadsheets to eliminate the need for data and rule conversion. More importantly, by leveraging a highly integrated and accepted tool like Excel, our product allows the business user to manage processing logic without an IT interface or the need for IT resources. As a result, our product enhances the company's existing environment rather than replacing the current logic that has been constructed. This process also adds quality control by ensuring consistent business logic across the enterprise. This also increases the analysis speed on changes or assumptions.