Ferguson Enterprises consists of 31,000 employees and has over 1600 locations across North America. In 1989, Charlie Banks, Ferguson's first official trainee, became the company's second President and CEO. Appreciate it. A call with Kevin Murphy, CEO and Bill Brundage, CFO will commence at 8:30 a.m. "Airefco has a strong market reputation for quality associates, products and customer relationships," said Kevin Murphy, Ferguson CEO. KEVIN.MURPHY pays $21.91 an hour, on average. 4) Caring about the development of your peers. We're involved across water, wastewater, stormwater on the off-site and on-site, all the way up through the production facility. The average CEO salary in Ferguson, Kentucky is $732,700 as of January 27, 2022, but the salary range typically falls between $553,600 and $944,100. Think Facebook, but for your company. The average salary for a Chief Executive Officer is $185,964 per year in United States, which is 56% lower than the average Ferguson Enterprises salary of $424,447 per year for this job. Silvergate Bank fears shake crypto industry, bitcoin falls. Ferguson Plc executives and other stock owners filed with the SEC include: Track performance, allocation, dividends, and risks, Annotate, download XLSX & look up similar tables, Filter, compare, and track coins & tokens, Stocks and cryptocurrency portfolio tracker. Key highlights of Ferguson's FY 2021 ESG report include: Ferguson's ESG framework and vision for sustainability. The aim was to encourage the clients throughout these struggling times. Story. Ferguson plc was founded in 1887 and is headquartered in Wokingham, the United Kingdom. Get this delivered to your inbox, and more info about our products and services. H. Lawrence Culp, Jr. is the Chairman and Chief Executive Officer of GE and Chief Executive Officer of GE Aerospace. Kevin Murphy - Group Chief . However, there's a significant range between what the company pays the top 10 percent and the bottom 10 percent of earners. The example of the recent pandemic proved that customers value dedication to their satisfaction. Should You Buy Ferguson plc For Its Dividend? watch now. Moreover, he believes authentic leadership derives from the tendency to challenge the status quo. For Ferguson, where does that start to dovetail through to your business? Their services include new construction, repairs, and renovations in many sectors, such as the following: Most of their business activities are conducted through trade professionals, and they are proud to contribute to various technological innovations in the USA and Canada. Department - Finance 100/100 Tenure - 2 to 5 Years 93/100 Experience - 6 to 10 Years 90/100 Who Ranks Ferguson Enterprises' CEO Rating the Lowest? Ferguson Enterprises aspires to maintain this warm working environment indefinitely in the following ways: 1) Directing the employee to the proper career path according to his dexterities. "Airefco joining Ferguson will support our dual trade strategy for the plumbing and HVAC contractor and will help us accelerate the geographic expansion of our HVAC business in the Pacific Northwest. Ferguson CEO Kevin Murphy, good to see you in studio. Dial in number UK: +44 (0) 20 3936 2999. View every KEVIN.MURPHY product, from Supersizes to Styling, Buying and marketing groups. It is a Servant Leadership Style Culture with the motto: Teach, mentor, train, and make somebody better than you.. But if you look at what our business is, it's just over half residential, just under half nonresidential. He then became an area manager for the Northeast Waterworks region. Salary, bonuses, stock options, stock awards and other compensation information for top executives at PUBLIX SUPER MARKETS INC. . Emory also set aside $609,000 for Fox in "deferred compensation," but he must meet certain. This new position involved supervising all the construction and sales activities throughout the East Coast. Copyright 2008-2023, Glassdoor, Inc. "Glassdoor" and logo are registered trademarks of Glassdoor, Inc. In Pocatello, ID, KEVIN.MURPHY pays a lower average salary of $43,543. Age : 52. A call with Kevin Murphy, CEO and Bill Brundage, CFO will commence at 7:30 a.m. Follow Bloomberg reporters as they uncover some of the biggest financial crimes of the modern era. Name Title Hours Per Week Total Salary; Abe Lopman: SR. VP (VESTED DEFERRED) 40: $2,227,425: Richard D'Aquila: PRESIDENT/TRUSTEE (CURRENT YR COMP) 32: $2,169,059 Appointed September 2018 and June 2022. aidan keane grand designs. Ferguson CEO Kevin Murphy: 'We're involved in all aspects of construction'. So we'll see that play out as we go through the year. - Yeah, go further into that new residential side, because we were just discussing both homebuilding and then what that construction process even looks like. The starting pay at KEVIN.MURPHY is $22,000 per year, or $10.58 per hour. Companies Employers, Survey And we'll see that play out as we go through our fiscal year. US: +1 646 664 1960. The estimated base pay is $191,107 per year. Share Your Design Ideas, New JerseysMurphy Defends $10 Billion Rainy Day Fund as States Economy Slows, What Led to Europes Deadliest Train Crash in a Decade, This Week in Crypto: Ukraine War, Marathon Digital, FTX. Mr. Murphy also insists on the humane approach of his company in conducting business. Use of Data / DisclaimerThe information shown here is a reporting of information included in the company's proxy statement. Ferguson plc distributes plumbing and heating products in the United States, the United Kingdom, Canada, and Central Europe. All roles require specific skills, and a genuine leader should recognize these skills in the working personnel. In addition, it operates its B2B business primarily under the Ferguson brand; and B2C business under the Build.com brand. The call will be recorded and available on our website after the event at www.fergusonplc.com. Chief Executive Officer: Total Compensation $3,433,824 View details: . Average Ascend Performance Materials Holdings Inc Salary, Working at Ascend Performance Materials Holdings Inc, Working at Brown & Root Industrial Services. This employer has claimed their Employer Profile and is engaged in the Glassdoor community. While we have made attempts to ensure that the information displayed are correct, Zippia is not responsible for any errors or omissions or for the results obtained from the use of this information. 2) Provision of all the necessary tools and training opportunities for constant professional growth. Contribute Branch Manager The estimated base pay is $190,439 per year. But it'll be a soft spot for us as we go through our fiscal year. He also acquired significant experience through interacting with mentors, such as the executives of Ferguson Enterprises and his father. CNBC's Jim Cramer spoke with Ferguson Enterprises CEO Kevin Murphy on Thursday's episode of "Mad Money. At a real interest rate of 3 %, the present . Following two years in the operations role, Murphy was promoted to general manager of Ferguson's Waterworks location in Columbus, Ohio. Kevin Murphy, CEO of One of The Largest U.S. Distributors In Construction On Culture, Leadership, & Thriving in Disruption, http://traffic.libsyn.com/secure/futureofworkpodcast/Audio_45mins_-_Kevin_Murphy_-_WITH_ADS.mp3. Chief Executive Officer Kevin M. Murphy Employees 34,352 Forbes Lists #686 Global 2000 (2022) #52 World's Best Employers (2019) Dropped off in 2020 More Lists Ferguson Financial Summary. And we consolidate that market. VIDEO 10:53. - We're watching shares of Ferguson today after the home improvement company reported first-quarter earnings that showed a 16% rise in net sales year-over-year and 17% growth in its US business. The average 1988 salary and bonus for the CEOs in our sample was roughly $ 1 million. According to the 2016 Form 990, 13 individuals who served on the board for all or part of that year received pay that totaled $492,788 for what was estimated at six hours work per week each. This complex network of branches has an excellent internal communication method based on the companys core principles. - You've been very acquisitive. The proxy statement includes footnotes and explanations of this information plus other information that is pertinent in assessing the overall value and appropriateness of the compensation information. His initial duties involved everything related to the hard work of loading and unloading trucks and customer service, an all-duties occupation that taught Mr. Murphy valuable lessons regarding leadership and entrepreneurship. We're starting to see a little bit of it now. The quarter, we couldn't be more proud of the remarkable work of our associates driving that over 16% revenue growth and then controlling costs and driving through operating profit expansion. Ferguson CEO on keeping a close eye on inflation CNBC's Jim Cramer spoke with Ferguson Enterprises CEO Kevin Murphy on Thursday's episode of "Mad Money." Thu, Jun 16 20227:16 PM EDT. The company also distributes pipes, valves, fittings, hydrants, meters, and related water management products, as well as offers related services, such as water line tapping and pipe fusion services. This was the last step before his current role as the CEO of Ferguson Enterprises. KEVIN.MURPHY may also be known as or be related to KEVIN.MURPHY and Kevin.murphy. 3) A unique approach to problem-solving and, therefore, an advanced level of managerial and leadership skills. September 12, 2019 Ferguson plc recently announced John Martin, group CEO, will step down Nov. 19, and will be succeeded by current Ferguson CEO Kevin Murphy. Added Geoff Drabble, Ferguson Chairman, "With 100 percent of our operations today in . Business. Right now, what we're seeing is deal activity going to slow because people may look at what past pricing was out there, past valuations, past multiples that maybe have excessive expectations. Highest Paying Department At KEVIN.MURPHY. He states that if an employee passes the milestone of the first two years of working in the company, he gradually understands the value of working in such a warm and family-like environment. Global Business and Financial News, Stock Quotes, and Market Data and Analysis. Biography of Kevin Murphy. The "Most Likely Range" represents values that exist within the 25th and 75th percentile of all pay data available for this role. Kevin analyzes the residential and commercial construction markets on 'The Claman Countdown' and talks about the impact our associates have on the North American construction market.. Larry is GE's twelfth CEO and the company's eleventh Chairman. When you walk into one of our locations, we want you to feel welcomed, and most likely you've been warmly welcomed with a handshake. But you can't stomach what your company is doing. The Leadership Attributes of Ferguson Enterprises, Ferguson Enterprises is renowned for its innovative leadership approach. KEVIN MURPHY: Good to see you. We want to hear from you. CEO Kevin Murphy. H. Lawrence Culp, Jr. Chairman and CEO, GE and CEO, GE Aerospace. Developing Leadership Qualities Through Real-Life Examples. Activity We. and learn the MINDSETS & SKILLS the CEOs of companies like MasterCard, Best Buy, KPMG, Audi, Unilever, Oracle, Dominos Pizza, Kaiser, and many more use to lead their companies to the highest peaks of success! [House Hearing, 117 Congress] [From the U.S. Government Publishing Office] DIVERSITY INCLUDES DISABILITY: EXPLORING INEQUITIES IN FINANCIAL SERVICES FOR PERSONS WITH DISABILITIES, INCLUDING THOSE NEWLY DISABLED DUE TO LONG-TERM COVID ===== HYBRID HEARING BEFORE THE SUBCOMMITTEE ON DIVERSITY AND INCLUSION OF THE COMMITTEE ON FINANCIAL SERVICES U.S. HOUSE OF REPRESENTATIVES ONE HUNDRED . www.fergusonplc.com. Martin joined the board as CFO in 201 before being appointed to the CEO position in 2016 based in the United Kingdom. Thank you. Here's how, You sense the market is desperately hoping the Fed is done hiking interest rates, says Peter Boockvar. Ferguson plc distributes plumbing and heating products in the United States and Canada. Each 3-5 min video features a leadership hack, tip, or strategy from one of the worlds top CEOs (Airbnb, Yum! Nelson Peltzs Trian Partners Lost 16% in March, Analysts Have Been Trimming Their Ferguson plc Price Target After Its Latest Report, A Sliding Share Price Has Us Looking At Ferguson plc's P/E Ratio. There are no executives at Ferguson Plc getting paid more. Right now, the CDC is recommending social distancing. Connecting decision makers to a dynamic network of information, people and ideas, Bloomberg quickly and accurately delivers business and financial information, news and insight around the world. A former CEO of Ferguson Enterprises taught him an indispensable lesson about the corporate world: If someone cannot teach, mentor and train somebody to be better and take on additional responsibilities, no one can grow professionally. To create our salary estimates, Zippia starts with data published in publicly available sources such as the U.S. Bureau of Labor Statistics (BLS), Foreign Labor Certification Data Center (FLC). Mr. Murphy began his professional journey in his Family Construction Business based in Ohio. The community relies on everyone sharing. Jobs Ask for the Ferguson call quoting 196425. Ferguson has always been honored to provide world-class services to industry professionals coast-to-coast. Mr. Murphy embodies the same leadership style with empathy and control in a personal approach. (Previously Internet Explorer) Safari. What is a proxy statement?A proxy statement (or "proxy") is a form that every publicly traded U.S. company is required to file with the U.S. Securities & Exchange Commission (SEC) within 120 days after the end of its fiscal year. We're in an industry that's a highly fragmented one, over 10,000 plus competitors, local, small to medium-size, independently held companies. Ferguson CEO Kevin Murphy, good to see you in studio. KEVIN.MURPHY pays employees the most in Irvine, CA and Pocatello, ID. The call will be recorded and available on our website after the event at . However, there's a significant range between what the company pays the top 10 percent and the bottom 10 percent of earners. It offers plumbing and heating solutions to customers in the residential, commercial, civil/infrastructure, and industrial end markets. Also, proxies must disclose specific detailed information regarding the pay practices for certain executives. It takes less than ten minutes to set up your company page. Our Story; Our Chefs; Cuisines. Click the browser icon below to get the latest version. Headquarters Newport News, Virginia. The company also sells its products through online channels. The data on this page is also based on data sources collected from public and open data sources on the Internet and other locations, as well as proprietary data we licensed from other companies. In addition, it distributes water meters and automation products, irrigation and drainage products, geosynthetics, and stormwater management products; flanges, general industrial maintenance repair and operations products, high density polyethylene products, and fabrication products; water and wastewater treatment products; and PVF solutions. The data presented on this page does not represent the view of KEVIN.MURPHY and its employees or that of Zippia. Kevin Murphy CEO / President - - The average Ferguson Enterprises executive compensation is $235,004 a year.The median estimated compensation for executives at Ferguson Enterprises including base salary and bonus is $234,382, or $112 per hour. We use cookies to bring you a great browsing experience - and to find ways to make it even better. Ferguson's Group Chief Executive and Director is Kevin Murphy. The average Ferguson Enterprises salary ranges from approximately $36,119 per year for a Receptionist to $129,293 per year for a Systems Engineer. Country of residence : Unknown. CNBC's Jim Cramer interviewed Ferguson Enterprises CEO Kevin Murphy on Thursday's episode of "Mad Money." 08:00. Group Chief Executive at Ferguson Kevin has significant experience in strategic development and delivering operational performance improvements. Leading by example is the most effective and prestigious form of leading. So you guys are, obviously, you see what's going on in terms of economic activity out there. Ferguson CEO Kevin Murphy joins us now in studio. In engineering jobs, employees earn an average salary of $82,484. This is not my opinion, this is exactly what they personally shared with me (I interviewed over 140 CEOs) and now you get to learn directly from their experiences and insights. Additional pay could include bonus, stock, commission, profit sharing or tips. Jane Thomas BBus LLB (Hons) MPsychol (org) Group Executive People, Safety and Culture Jane joined APA in May 2021, where she is responsible for managing APA Group's People, Safety and Culture division. You, For The 115th United States Congress began on January 3, 2017. Kevin Murphy - Group . The estimated additional pay is $234,007 per year. A call with Kevin Murphy, CEO and Bill Brundage, CFO will commence at 8:30 a.m. Kevin Murphy is the Group CEO & Exec. In addition, it distributes heating, ventilation, air conditioning, refrigeration equipment, and parts and supplies to specialist contractors in the residential and commercial markets for repair and replacement; and PVF products to industrial customers. Additionally, five senators (two Democrats, three Republicans) and 15 representatives (six Democrats, nine Republicans) took office on . Data is a real-time snapshot *Data is delayed at least 15 minutes. The estimated total pay for a Chief Executive Officer at Ferguson Enterprises is $424,902 per year. It's only about 18% of what we do. This employer has claimed their Employer Profile and is engaged in the Glassdoor community. This is incredibly moving. In May 2001, Banks took over as Group Chief Executive of Wolseley, Ferguson's parent company, and Claude . And where do you see those impacts most notably or earliest on? Brian Lantz - Vice President Investor Relations and Communications. The average is paid $443,000, and 53 earn more than the Prime Minister. Carbon reduction goals to reduce our Scope 1 and 2 emissions by 35% per million USD of revenue by 2026. Get started with your Free Employer Profile, average salary for a Chief Executive Officer is $185,964 per year in United States, The Ultimate Job Interview Preparation Guide. The imposed restrictions of the recent lockdowns caused severe disruptions in the supply chains. The employees comprehend from their first days in their roles that the companys mission is to make the customers jobs more simple, successful, and sustainable. Able to pull out from your 401k after 6 months, Learn How to State Your Case and Earn Your Raise, Climb the Ladder With These Proven Promotion Tips, A Guide to Negotiating the Salary You Deserve, How to Prepare for Your Interview and Land the Job. The health system lost over $300 million in net patient revenue due to the COVID in fiscal year 2020, which runs from Oct. 1, 2019 to Sept. 30, 2020, Nuvance spokeswoman Andrea Rynn said. Many companies dismiss the value of the labor force due to its high cost, approximately 2/3 of the entire expenditure. Our data shows that employees in engineering roles earn the highest wages at KEVIN.MURPHY, with an average yearly salary of $82,484. Murphy joined Ferguson in 1999 as an operations manager through the acquisition of his family's business, Midwest Pipe and Supply. Really inspiring! - Look, we got some good news from a home improvement retailer in Lowe's this morning here saying demand is stable. ET (12:30 p.m. BST) today. 1. Glassdoor has salaries, wages, tips, bonuses, and hourly pay based upon employee reports and estimates. If you need more lookups, subscriptions start at $39 USD/month. Kevin Murphy was appointed CEO in August 2017, and in 2019 he assumed the CEO role for Ferguson plc. How much do Ferguson Enterprises employees make? > KEVIN MURPHY: Yeah, demand was supportive. Kevin Murphy Publix Super Markets Inc. President and CEO Todd Jones has announced that Kevin Murphy, currently SVP of retail operations, will become the grocer's new president, along with several other promotions within the company, all effective Jan. 1, 2019. Kevin, good to see you finally in person, in our studio. Nuvance . Kevin Murphy CEO & Board Director at Ferguson Enterprises Join to edit About Kevin Murphy was appointed CEO in August 2017, and in 2019 he assumed the CEO role for Ferguson plc. FERGY vs. ITW: Which Stock Is the Better Value Option? He is responsible for profit and loss and working capital at all levels of the Ferguson organization. Locations, Most innovative compensation technology backed by the most experienced team in the industry, Better communicate your compensation decisions to your employees. It offers plumbing and heating solutions to customers in the residential, municipal, civil and industrial markets, and commercial sectors for repair, maintenance, and improvement (RMI), as well as new construction markets. Director at Ferguson Plc. Kevin Murphy Chief Executive Officer at Ferguson Top 5% CEO effectiveness to drive business results Excellent 0% Good 50% Average 0% Poor 0% Very Bad 50% CEO management style Good 50% Bad 50% VS. Ted Decker CEO at The Home Depot Top 20% CEO effectiveness to drive business results Answered by 91 The Home Depot employees Excellent 34% Good 34% This means constantly acquiring knowledge, even in uninteresting areas at first thought. ET (1:30 p.m. GMT) today. Ferguson Enterprises employees rate the overall compensation and benefits package 3.6/5 stars. Director at Ferguson Plc. "Airefco has a strong market reputation for quality associates, products and customer relationships," said Kevin Murphy, Ferguson CEO. Additionally, it offers supply chain management solutions for PVF; and industrial maintenance, repair, and operations specializing in delivering automation, instrumentation, engineered products, and turn-key solutions. There were seven new senators (five Democrats, two Republicans) and 52 new representatives (25 Democrats, 27 Republicans), as well as one new delegate (a Republican), at the start of its first session. The promotion to president could put Murphy in line for succession to CEO. How to Apply for a Job During the Coronavirus Pandemic, For Fox's total compensation of $3.4 million included a $1.1 million base salary and a bonus of $492,000. Ferguson PLC (NYSE:FERG) Q2 2022 Earnings Conference Call March 15, 2022 7:00 AM ETCompany Participants. A relevant incident in the past where he voiced his opinion to a former CEO of Ferguson Enterprises shaped him into todays leader. In sales jobs, the average pay is $56,527. 5) Enhancing the skills of everyone in your team. KEVIN MURPHY: Great. Thorough reviews have been conducted to assure this data accurately reflects disclosures. And both were supportive. Linked companies : Ferguson plc. The median CEO in our sample holds stock worth $ 2.4 million. Ferguson's key executives include Kevin Murphy and 14 others. Thu, Jun 16 2022 7:16 PM EDT. solution. what is another name for a reference laboratory. Thus, the prosperity of the individuals promotes the stability and longevity of Ferguson Enterprises. Many of these individuals make major decisions about services that impact millions of taxpayers' lives. Appreciate it. The estimated total pay for a Chief Executive Officer at Ferguson Enterprises is $424,447 per year. But for us it's also some of the mega work that's going on right now, really large projects in things like LNG, pharma, what we see with the CHIPS Act and what's happening with semiconductor production. In Britain, warm hubs emerge to beat soaring energy costs, Ukraine Latest: Russia Continues Efforts to Encircle Bakhmut, INSIGHT-Before fatal collapse, Turkish building had skirted code thanks to Erdogan policy, In Chicago, adapting electric buses to winters challenges, Ukraine ally Kallas fights for reelection in Estonia vote. You're a leader. All Rights Reserved. Ferguson Names Kevin Murphy CEO. Mr. Kevin M. Murphy is a Chief Executive Officer & Executive Director at Ferguson Plc, a Chief Executive Officer at Wolseley Industrial Group, Inc., a President & Director at Ferguson Fire & Fabrication, Inc. and . 3) Being able to execute a particular job expertly. - But are there deals you just won't do because the cost of capital has gone up? FERGY -2.30% $11.48 FERGY Ferguson Plc Compare OTC Industrials Trading Companies & Distributors US markets are closed Pre-market trading starts in 12 hours Regular trading $11.48 -0.27 updated 1 year ago 2.30% RSI 98.81 Compare with other stocks Intraday 2.30% 5 days 90.39% 1 month 90.39% 3 months 90.39% 6 months 90.39% 1 year 90.39% 5 years The St Vincent de Paul Society employs more than 3,000 people across Australia in a diverse range of roles from social workers and health experts to IT and store managers. You may retrieve the full proxy statement by going to the Securities and Exchange Commission (SEC) website at www.sec.gov and entering the company's name and then looking in the first column for an entry of "Form DEF 14A" (or any similar code). We'll continue to use that as a part of our growth out. Dec. 07, 2022 - 5:00 - Ferguson CEO Kevin Murphy analyzes the residential and commercial construction markets on 'The Claman Countdown.'. Workplace is a business communication tool from Meta. Conclusively, Mr. Murphy proposes the following for prospective leaders: 1) Development of their insatiable intellectual curiosity. Dr. Joshua Murphy and . Of this total $0was received as a salary, $0was received as a bonus, $0was received in stock options, $0was awarded as stock and $0came from other types of compensation. But we're mostly RMI. Kevin Murphy is the CEO of Ferguson Enterprises, a prominent distributor company in the Construction Business of North America. 2. Catalog, Find a None of the information on this page has been provided or approved by KEVIN.MURPHY. There are no executives at Ferguson Plc getting paid more. KEVIN MURPHY: Absolutely. 3) The rest of the employees focused on the needs of the local markets. 2) After securing a safe environment, half of the employees worked in a remote status. The average Ferguson Enterprises hourly pay ranges from approximately $17 per hour for a Receptionist to $56 per hour for a Branch Manager. Plumbing, HVAC and industrial products distributor Ferguson has acquired Airefco, Inc., a distributor of HVAC equipment, parts and supplies in the Pacific Northwest, according to a Dec. 2 news release. Our model gets smarter over time as more people share salaries on Glassdoor. 2) The ability to understand first and then be understood. Kevin was promoted to COO in 2007 and continued in this role until he was appointed CEO in 2017. Our data shows that KEVIN.MURPHY employees in Irvine, CA get paid the most, where the average yearly pay is $49,501. Benefits Public asset : 10,579,037 USD. You are here: Home 1 / avia_transparency_logo 2 / News 3 / kevin murphy ferguson ceo salary June 7, 2022 / kimt contest page / in are dogs allowed at schoetz park / by And we're involved in everything from the underground infrastructure, the water, the wastewater, the stormwater, all the way up through rough plumbing, finished plumbing, HVAC, appliances, and lighting. Kevin Murphy, Ferguson CEO, commented: "Our associates continued to drive outstanding service and support for our customers, delivering further market share gains and a strong financial performance. KEVIN.MURPHY pays an average salary of $63,316 per year, or $30.44 an hour. Mr. Murphy believes loyalty is still intact within the ranks of Ferguson Enterprises. ", Here's why men die younger than women and how to fix it, China's shrinking population: What it means for the global economy, Oil companies made $200 billion in profits in 2022. Kevin S. Murphy President: Total Compensation $1,954,209 View details: Pay Rank By Title In Retail & Wholesale industry #31 View more: Enter . KEVIN MURPHY: Yeah, clearly rate and the price of housing and affordability will start to get pressured. Because the projects you're talking about, companies, organizations, governments are borrowing in order to do those projects.
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