Networking in the New Country in Croatia

1. What are the most common types of network infrastructure used in Croatia?

The most common types of network infrastructure used in Croatia include:

1. Ethernet networks: This is the most commonly used type of network infrastructure in Croatia, especially in small and medium-sized businesses. Ethernet networks allow for high-speed data transfer and are typically used for connecting computers, routers, and other devices within a local area network (LAN).

2. Wireless networks: With the increasing popularity of mobile devices and the need for flexibility, wireless networks have become widely used in Croatia. These networks use radio waves to transmit data between devices without the need for cables.

3. Fiber-optic networks: Fiber-optic networks use fiber-optic cables to transmit data at incredibly high speeds, making them ideal for large enterprises or organizations that require high bandwidth.

4. Virtual Private Networks (VPNs): VPNs are secure private networks that use encryption protocols to create a secure connection over a public network such as the internet. They are commonly used by remote employees or teams to access company resources from outside the office.

5. Satellite networks: Satellite networks are often used in rural areas where traditional wired infrastructure may not be available. They use satellite communication to transmit data between two separate points.

6. Cellular networks: With the widespread availability of mobile devices, cellular networks have become a popular way to stay connected on-the-go in Croatia. They use cellular towers to transmit data between devices.

7. DSL (Digital Subscriber Line) connections: This type of network uses traditional telephone lines to provide internet access at higher speeds than dial-up connections.

8. Wi-Fi hotspots: Wi-Fi hotspots are public access points that allow users to connect their devices wirelessly to the internet using existing Wi-Fi technology.

9. Point-to-point connections: Point-to-point connections are dedicated private connections between two distinct locations or devices, usually within close proximity.

10. Hybrid networking solutions: Many organizations in Croatia use a combination of different networking technologies to meet their specific needs, such as connecting multiple offices or providing secure access for remote employees. These hybrid solutions can include a mix of wired, wireless, and virtual networks.

2. How reliable is the internet connectivity in Croatia for business and personal use?


The internet connectivity in Croatia is generally reliable for both business and personal use. The country has a well-developed digital infrastructure and high-speed internet is widely available. According to Speedtest Global Index, Croatia ranks 58th in the world for overall internet speed, with an average download speed of 55.41 Mbps and an average upload speed of 34.22 Mbps.

In major cities such as Zagreb, Split, and Dubrovnik, the internet connectivity is very reliable with strong signal coverage and high speeds. In more rural areas, the internet may be slightly slower but still generally reliable.

For business use, most companies have access to dedicated high-speed connections with stable bandwidth and low latency. This allows for efficient communication and collaboration between offices or with international partners.

For personal use, many households have access to broadband connections with decent speeds for streaming, gaming, and basic online activities.

Overall, the internet connectivity in Croatia is dependable for everyday use including business operations and personal needs. However, there may be occasional outages or slowdowns during peak usage times or during severe weather conditions.

3. Is there a specific protocol or standard that is widely used for networking in Croatia?


The most widely used networking protocol in Croatia is TCP/IP (Transmission Control Protocol/Internet Protocol). This standard is used for both wired and wireless networks and is the foundation of the internet. Other commonly used protocols include Ethernet, WiFi, and DSL.

4. What are the major internet service providers in Croatia, and what services do they offer?


The major internet service providers in Croatia are:

1. A1
A1 is the leading telecommunication company in Croatia and offers a wide range of internet services, including DSL, fiber optic, and mobile broadband.

2. Tele2
Tele2 also offers DSL, fiber optic, and mobile broadband services to its customers in Croatia.

3. Optima Telekom
Optima Telekom is another major player in the Croatian market offering high-speed DSL and fiber optic internet connections.

4. Hrvatski Telekom
Hrvatski Telekom is the largest telecommunications company in Croatia and provides DSL, fiber optic, 4G/5G mobile broadband, and satellite internet services.

5. ISKON Internet
ISKON Internet offers DSL, fiber optic, and mobile broadband services with various speed options for home and business users.

6. B.net
B.net specializes in providing high-speed cable internet services to its customers in Croatia.

7. VIPnet
VIPnet is a leading provider of 4G/5G mobile broadband services in Croatia with nationwide coverage.

8. Metronet
Metronet is a regional internet service provider offering DSL, fiber optic, and mobile broadband services to its customers.

5. Are there any regulations or restrictions on network usage and access in Croatia?

Yes, the Republic of Croatia has regulations and restrictions on network usage and access. These are mainly governed by the Law on Electronic Communications, which sets out rules for electronic communications networks and services, including restrictions on usage and access.

Some key regulations and restrictions on network usage and access in Croatia include:

– Network neutrality: The Law on Electronic Communications states that providers of Internet access services shall treat all traffic equally, without discrimination, restriction or interference.

– Traffic management: Providers of electronic communications networks may engage in reasonable management of their networks to ensure the efficient use of available resources. However, this must be done without discrimination or restriction towards specific categories of information, applications or services.

– Data protection: The General Data Protection Regulation (GDPR) also applies in Croatia, regulating the collection, processing and storage of personal data by electronic communication service providers.

– Content filtering and blocking: In certain cases, the Croatian authorities may request or order electronic communication service providers to block or restrict access to specific content that is deemed illegal or harmful.

– Privacy: The Law on Electronic Communications guarantees the privacy of electronic communications and prohibits intentional interception, recording or disclosure of such communications by any third party without permission from both parties involved.

There are also industry-specific regulations that apply to certain types of networks and services. For example, telecommunications operators are subject to additional obligations concerning universal service provision and interoperability with other networks. Additionally, there may be restrictions imposed by individual network operators or service providers relating to their terms of use agreements.

6. Is there a strong presence of fiber optic networks in Croatia, and how accessible is it to businesses and individuals?


The presence of fiber optic networks in Croatia is gradually increasing, but it is not yet widespread throughout the country. Currently, the major cities in Croatia have a strong presence of fiber optic networks, while more rural areas may have limited access.

In recent years, the Croatian government has made efforts to improve broadband infrastructure and increase the accessibility of fiber optic networks. Private companies, such as telecommunications providers, have also invested in expanding their fiber optic network coverage.

Overall, the availability and accessibility of fiber optic networks in Croatia depends on the location. Businesses and individuals located in major cities and urban areas are more likely to have access to high-speed fiber optic connections. However, residents in smaller towns and rural areas may face some challenges when it comes to accessing fiber optic networks.

In general, businesses tend to have better access to fiber optic networks compared to individuals due to their higher usage and demand for fast internet speeds. However, with ongoing efforts to improve broadband infrastructure in Croatia, it is expected that there will be an increase in accessibility for both businesses and individuals in the coming years.

7. How common are virtual private networks (VPNs) used by companies and individuals in Croatia for secure online communication?


There is no specific data on the usage of virtual private networks (VPNs) in Croatia, but it is becoming increasingly common for both individuals and companies to use them for secure online communication.

According to a global survey by Atlas VPN, 17% of internet users in Croatia reported using a VPN in 2020. This number has likely grown since then due to increasing concerns about privacy and security online.

Many Croatian companies also use VPNs as a way to securely connect remote employees and offices, especially during the COVID-19 pandemic when remote work has become more prevalent.

Additionally, the Croatian Data Protection Agency recommends the use of VPNs as a tool for protecting personal data and maintaining digital privacy online. This further suggests that their usage is relatively common among individuals in the country.

8. Are there any plans for implementing 5G technology in Croatia, and how will it impact networking capabilities?

There are currently plans for implementing 5G technology in Croatia. The Croatian government, along with major telecommunication companies, have declared their intentions to implement 5G networks by the end of 2020. This implementation is expected to greatly increase networking capabilities, with speeds up to 20 times faster than current 4G networks. This will open up new possibilities for innovative technologies such as autonomous vehicles, virtual and augmented reality, and enable faster exchange of data in industries such as healthcare and manufacturing. It is also expected to greatly improve overall internet connectivity and accessibility in Croatia.

9. What measures are taken by the government or private organizations to ensure cybersecurity within the network infrastructure of Croatia?


The following are some measures taken by the government or private organizations to ensure cybersecurity within the network infrastructure of Croatia:

1. National Cybersecurity Strategy: The Croatian government has developed a National Cybersecurity Strategy that outlines its approach and actions towards strengthening the country’s cybersecurity.

2. Cybersecurity Act: The Act on the Security of Network and Information Systems (NIS Act) was introduced in 2018 to regulate the protection of critical information infrastructure in Croatia.

3. National Computer Emergency Response Team (CERT): The Croatian CERT is responsible for responding to and mitigating cyber attacks in the country. It operates as a central point of contact for reporting cyber incidents and provides support to organizations in improving their cybersecurity measures.

4. Public-Private Partnerships: The Croatian government works closely with private organizations, such as internet service providers and telecommunication companies, to develop policies and initiatives that enhance cybersecurity across the country.

5. Training and Education: There are various programs offered by both public and private organizations to train professionals in cybersecurity skills, such as ethical hacking, data protection, and risk management.

6. Information Sharing: The Croatian government encourages information sharing between different organizations, including businesses, government agencies, and academia, to improve overall cybersecurity readiness.

7. Security Audits: Organizations are required by law to conduct regular security audits of their systems to identify vulnerabilities and take corrective actions.

8. Cybersecurity Awareness Campaigns: Public awareness campaigns are organized regularly by the government and private organizations to educate individuals about common cyber threats and ways to protect themselves online.

9. International Cooperation: Croatia works with other countries through international partnerships and initiatives like the European Union Agency for Cybersecurity (ENISA) to exchange knowledge, best practices, and collaborate on cyber defense efforts.

10. Are there any unique challenges faced by companies operating international networks within Croatia?


Yes, there are several unique challenges faced by companies operating international networks within Croatia:

1. Language barriers: Croatian is the official language in Croatia and is not widely spoken outside of the country. This can make communication with international clients or partners challenging.

2. Cultural differences: Every country has its own culture and Croatia is no exception. Companies need to be aware of the cultural differences when conducting business in Croatia, which can affect how they approach negotiations, marketing strategies, and working relationships.

3. Infrastructure limitations: Despite improvements in recent years, Croatia’s infrastructure such as transportation and telecommunications networks are still developing and may not be as reliable or efficient compared to other countries.

4. Legal and regulatory differences: Companies operating international networks within Croatia must comply with Croatian laws and regulations, which may be different from those in their home country. This adds complexity to business operations.

5. Market size: The population of Croatia is relatively small (around 4 million), making it a smaller market compared to other European countries. This can limit growth opportunities for companies operating in the country.

6. Competition: As a member of the European Union, Croatia is open to foreign investment, leading to increased competition from both domestic and international companies.

7. Access to skilled labor: While Croatia has a well-educated workforce, access to specific skill sets may be limited in certain industries, making it challenging for companies to find suitable talent.

8. Distance from major markets: Being located in Southeast Europe means that Croatia is further away from major markets such as Western Europe and North America, which can increase costs and logistics challenges for businesses operating internationally.

9. Economic volatility: Like many countries around the world, the Croatian economy was hit hard by the COVID-19 pandemic in 2020. The economic instability may present challenges for businesses operating international networks within the country.

10. Geopolitical factors: Political tensions between neighboring countries or changes in government policies could potentially impact businesses operating international networks within Croatia, as well as their relationships with neighboring markets.

11. How well-developed is the wireless network infrastructure in cities and rural areas of Croatia?


The wireless network infrastructure in Croatia is relatively well-developed, with good coverage in both cities and rural areas. Major cities such as Zagreb, Split, and Dubrovnik have extensive 4G coverage, while smaller towns and villages also have access to 3G and 4G networks.

In terms of internet speed, Croatia ranks fairly high among European countries. The average download speed is around 20 Mbps, which is faster than the European average of 18.7 Mbps.

In rural areas, the coverage may not be as widespread or fast as in cities, but there are efforts being made to improve this. The Croatian government has implemented various initiatives to increase internet access and improve infrastructure in rural areas through partnerships with telecommunication companies.

Overall, while there may be some variation in coverage and speed between urban and rural areas, Croatia has a fairly well-developed wireless network infrastructure that allows for high-speed internet access throughout the country.

12. What is the average cost of internet services for businesses and individuals in different regions of Croatia?


The average cost of internet services for businesses and individuals in different regions of Croatia varies, depending on the type of connection (DSL, cable, fiber), speed, and provider. Generally, prices are higher in major cities like Zagreb or Split compared to smaller towns and rural areas.

On average, the monthly cost for individual internet services ranges from 120-200 HRK ($18-30 USD) for a basic DSL connection with speeds up to 10 Mbps. For higher speeds such as 100 Mbps or more, the cost can range from 250-400 HRK ($37-60 USD) per month.

For businesses, internet services tend to be more expensive as they often require faster speeds and more reliable connections. The average cost for business internet services can range from 300-600 HRK ($45-90 USD) per month for speeds up to 50 Mbps. Prices can go as high as 1500+ HRK ($225+ USD) per month for dedicated fiber optic connections with speeds of over 100 Mbps.

Prices may also vary depending on promotions and special offers from providers. It is recommended to research and compare different providers in your specific region to get the best price for your needs.

13. Are network speeds generally fast enough to support remote work, video conferencing, and other modern communication needs in Croatia?


Yes, network speeds in Croatia are generally fast enough to support remote work, video conferencing, and other modern communication needs. According to Speedtest Global Index, the average download speed in Croatia is 65.55 Mbps and the average upload speed is 30.51 Mbps. This is above the global average and can support high-quality video conferencing and other online communication needs. Additionally, Croatia has extensive coverage of 4G mobile networks, allowing for reliable remote work from almost anywhere in the country.

14. What types of networking hardware, such as routers, switches, and servers, are commonly used by businesses in Croatia?


The types of networking hardware commonly used by businesses in Croatia include:

1. Routers: These devices are used to connect multiple networks, such as a business network to the internet. They also help in controlling and directing traffic between different networks.

2. Switches: Switches are used to create a local area network (LAN) by connecting multiple computers and devices within a business. They enable the transfer of data packets between devices on the same network.

3. Firewalls: Firewalls are essential for businesses in order to protect their networks from cyber threats and unauthorized access. They monitor incoming and outgoing network traffic and restrict access to certain websites or services.

4. Servers: Servers act as central storage and processing units for data and applications within a business’s network. They can vary in size and purpose, such as file servers, email servers, or web servers.

5. Wireless Access Points (WAPs): WAPs allow wireless devices to connect to a wired network, providing employees with wireless access to the company’s network.

6. Network Attached Storage (NAS) devices: NAS devices provide centralized storage and backup solutions for businesses’ critical data.

7. Virtual Private Networks (VPNs): VPNS create secure connections over the internet, allowing remote workers to access their company’s network.

8. Power over Ethernet (PoE) switches: PoE switches provide power to connected devices over Ethernet cables, eliminating the need for separate power sources for these devices.

9. Network Interface Cards (NICs): NICs are necessary for connecting individual devices such as computers or printers to a network.

10. Modems: Modems connect a business’s local area network to an external network, typically through DSL or cable internet connection.

11. Print Servers: Print servers manage printer resources within a business’s network, allowing multiple users to share printer access and control print jobs.

12. Network Cables: Different types of cables, such as Ethernet cables, fiber optic cables, and coaxial cables are used to connect networking devices and transfer data within a network.

13. Network Monitoring Tools: Various software tools are used to monitor and manage network performance, identify potential issues, and troubleshoot problems.

14. Uninterruptible Power Supply (UPS): UPS systems provide backup power in case of a power outage to keep critical networking devices running.

15. How does weather or environmental factors affect network reliability and connectivity in certain parts of Croatia?


There are a few ways in which weather or environmental factors can affect network reliability and connectivity in certain parts of Croatia. These include:

1. Extreme weather conditions: Heavy rain, lightning storms, strong winds, and snowstorms can all cause physical damage to network infrastructure such as telephone poles, antennas, and cables. This can result in disruptions to internet and phone services.

2. Natural disasters: Croatia is prone to natural disasters such as earthquakes and floods, which can also cause damage to network infrastructure and disrupt connectivity.

3. Remote or mountainous areas: Croatia has many remote and mountainous areas that may be difficult for telecommunication companies to reach. This can make it challenging to install and maintain network equipment, resulting in less reliable connections.

4. Power outages: Severe weather conditions or natural disasters can also lead to power outages, which can affect the functioning of network equipment and cause disruptions in connectivity.

5. Saltwater corrosion: Coastal areas of Croatia may experience saltwater corrosion on network equipment due to the high levels of salt in the air. This can degrade the performance of equipment and affect connectivity.

6. Forest fires: During periods of drought, forest fires are a common occurrence in some parts of Croatia. These fires could potentially damage telecommunication infrastructure and disrupt network connectivity.

7. Solar flares: Occasionally, solar flares emitted from the sun can interfere with satellite communication systems, leading to temporary disruptions in connectivity.

Overall, these factors highlight the importance of regular maintenance and disaster preparedness plans by telecommunication companies to ensure reliable network connectivity across different regions in Croatia.

16. Are there any notable differences between rural and urban networking capabilities in Croatia?


The main difference between rural and urban networking capabilities in Croatia is the availability of infrastructure. In urban areas, there is generally a more developed and modern network infrastructure, with better coverage and faster internet speeds. This is due to the higher population density and greater demand for connectivity in cities.

In rural areas, however, network infrastructure may be less developed and limited, leading to slower internet speeds and less reliable connections. This is mainly because it may be more costly for telecommunication companies to build infrastructure in sparsely populated areas.

Additionally, there may also be differences in access to advanced technologies, such as 5G networks, between urban and rural areas. Urban areas are likely to have access to these technologies sooner due to their higher demand and larger customer base.

However, efforts are being made by the Croatian government to improve networking capabilities in rural areas through initiatives such as providing subsidies for broadband internet access in underdeveloped regions. Overall, while there are some differences between rural and urban networking capabilities in Croatia, efforts are being made to bridge the gap and provide equal access to reliable network services across the country.

17. Can foreign companies easily establish their own networks within Croatia, or are there restrictions/limitations?

Foreign companies can establish their own networks within Croatia, but they must comply with all relevant regulations and obtain necessary permits and approvals from the Croatian Regulatory Authority for Network Industries (HAKOM). Additionally, foreign companies must adhere to data protection laws and any other relevant legislation in order to operate in Croatia.

18. What steps can be taken to improve coverage, speeds, and overall performance of networks in Croatia?


1. Increase the number of cell towers: One of the most effective ways to improve coverage and speeds is by increasing the number of cell towers in areas with poor coverage. This can help to fill gaps in coverage and provide a stronger signal for users.

2. Implement newer technologies: Networks in Croatia can upgrade their infrastructure to newer technologies such as 5G, which offers faster speeds and better performance compared to older networks.

3. Utilize small cells: Small cells are lower-power, short-range base stations that can be strategically placed in areas with high network demand, such as shopping centers or stadiums. They can help alleviate congestion and improve network performance.

4. Optimize network capacity: Network operators should regularly monitor and optimize their network capacity to ensure that it can handle high traffic volumes without experiencing slowdowns or outages.

5. Improve backhaul connectivity: Backhaul refers to the connection between cell towers and the main network backbone. Improving backhaul connectivity can help reduce latency and increase data speeds for users.

6. Expand coverage into rural areas: Many remote and rural areas in Croatia may not have access to reliable network coverage. Operators should invest in expanding their coverage into these areas to provide equal access to all citizens.

7. Upgrade infrastructure at popular tourist destinations: Croatia is a popular tourist destination, especially during the summer months when there is a surge in network usage. Operators should prioritize upgrading their infrastructure at popular tourist spots to handle the increased demand.

8. Allow providers to share infrastructure: Allowing different providers to share infrastructure, such as cell towers, can help increase coverage and reduce costs for network operators.

9. Encourage investment from multiple providers: More competition among network providers could lead to improved services for consumers as they strive to stay ahead of their competitors.

10. Implement signal boosting technology: Signal boosting technology, also known as repeaters or amplifiers, can be used in areas with weak signals to improve coverage and speeds.

11. Encourage local communities to adopt Wi-Fi: To reduce the burden on mobile networks, local communities can be encouraged to set up public Wi-Fi hotspots in areas where network coverage is weak.

12. Improve network resilience: Network operators should have contingency plans in place to quickly address any disruptions or outages in their network. This will help ensure that users continue to receive reliable services.

13. Upgrade aging infrastructure: As networks age, their performance may deteriorate. Operators should regularly invest in upgrading and maintaining their infrastructure to ensure excellent performance for users.

14. Offer incentives for new technologies: Governments can provide tax incentives or subsidies for network providers to invest in newer technologies and improve their services.

15. Encourage consumer feedback: Users can provide valuable feedback on network performance and identify areas with weak signals or slow speeds. Operators can use this information to prioritize investments in those areas.

16. Invest in innovative solutions: New technologies such as artificial intelligence (AI) and machine learning (ML) can be used to optimize network performance, identify problem areas, and predict future demand.

17. Regularly conduct network testing: Network operators should regularly test their networks to identify potential issues and address them promptly before they affect users’ experience.

18. Collaborate with other countries: International collaboration between neighboring countries has shown success in improving cross-border network coverage and speeds. Croatian operators can collaborate with neighboring countries to expand coverage into border regions and offer seamless roaming services for travelers.

19. How is the network infrastructure in Croatia able to handle large amounts of data, such as for data centers and cloud computing?


The network infrastructure in Croatia has been continuously developing and upgrading to meet the demands of handling large amounts of data for data centers and cloud computing. Some factors that contribute to this capability include:

1. Fibre optic network: Croatia has a well-developed fibre optic network, with over 17,000 km of cables covering most major cities and towns. This allows for high-speed data transmission, which is essential for managing large amounts of data in data centers.

2. High internet penetration: The country has one of the highest internet penetration rates in Europe, with over 75% of the population having access to broadband internet. This means that there is a significant user base for data centers, making it an attractive location for companies to establish their operations.

3. Investments in infrastructure: The Croatian government has invested heavily in improving the country’s digital infrastructure, especially in recent years. This includes initiatives such as the “Smart City” project, which aims to develop technology-driven solutions for urban areas.

4. Data center facilities: There are several modern and advanced data center facilities located in Croatia with state-of-the-art equipment and infrastructure. These facilities provide reliable and secure storage space for large amounts of data.

5. International connectivity: Croatia has multiple submarine cable connections to other countries, providing it with high-speed links to global networks. This allows for seamless communication between different locations and data centers worldwide.

6. Strong IT sector: Croatia ranks highly in terms of its IT sector competitiveness globally, supported by a skilled workforce and favorable business environment for tech companies. This ensures that there is a constant supply of professionals capable of managing complex networks and infrastructure.

Overall, these factors have contributed to creating a robust network infrastructure in Croatia that can handle large volumes of data efficiently and reliably for data centers and cloud computing applications.

20. What advancements or updates are being made to the network infrastructure of Croatia for improved connectivity and communication within the country and globally?


1. High-Speed Broadband Infrastructure Development: Croatia has implemented a national broadband plan which aims to provide high-speed internet access to all households and businesses. This plan includes the development of fiber-optic networks, cable networks, and wireless networks to improve connectivity and communication within the country.

2. 5G Network Deployment: Croatia has been actively working towards developing its 5G network infrastructure to enable faster data speeds and improved connectivity. In May 2020, the Croatian Regulatory Authority for Network Industries (HAKOM) launched a 5G spectrum auction, paving the way for telecom operators to roll out 5G services in the country.

3. Fiber-Optic Network Expansion: The Croatian government has invested in expanding its fiber-optic network infrastructure to connect more cities and rural areas. In 2020, a new fiber-optic connection was established between Zagreb and Split, providing higher capacity and faster internet speeds.

4. Upgrading Existing Networks: The existing networks in Croatia are being upgraded with advanced technologies such as Carrier Ethernet and DWDM (Dense Wavelength Division Multiplexing), which will help increase bandwidth capacity and improve network performance.

5. Undersea Cables: To improve connectivity globally, Croatia is investing in undersea cable projects that will provide faster and more reliable internet connections with other countries. A new submarine cable connecting Italy with Croatia is expected to be completed by 2021.

6. Data Centers: With the increasing demand for data storage and processing, Croatia is also investing in building new data centers to support its growing digital economy. This will help enhance connectivity within the country as well as globally.

7. Cybersecurity Measures: As technological advancements bring new challenges such as cyber threats, Croatia is also strengthening its cybersecurity infrastructure to protect its network from potential attacks.

8.Municipal-Wide Wireless Networks: Several cities in Croatia have launched municipal-wide wireless networks to provide free Wi-Fi access to residents and visitors. This initiative not only improves connectivity within the country but also encourages tourism and supports economic growth.

9. e-Infrastructure Development: Croatia is continuously working on developing its e-infrastructure, which includes electronic identification, signature, and transactions services. This framework will facilitate seamless communication and connectivity for various online services.

10. Internet Exchange Point: A new internet exchange point (IXP) was launched in Zagreb in 2019, allowing local internet service providers and content providers to exchange traffic within the country, leading to improved connectivity speeds and reduced costs for consumers.