SaaS Pricing Models: Complete Guide for 2025

Understanding SaaS Pricing Strategies

Software as a Service (SaaS) pricing is one of the most critical factors in a SaaS company's success. The right pricing model can accelerate growth, improve customer retention, and maximize revenue. The wrong one can limit market penetration and create customer churn.

In this comprehensive guide, we'll explore all major SaaS pricing models, when to use them, and how to optimize your pricing strategy for growth.

Quick Overview: Main SaaS Pricing Models

Pricing Model	Best For	Pros	Cons	Examples
Per-User (Seat-Based)	B2B collaboration tools	Simple, scalable	Limits adoption	Slack, Zoom, Asana
Tiered Pricing	Most SaaS products	Clear value ladder	Analysis paralysis	HubSpot, Salesforce
Usage-Based	Developer tools, APIs	Aligns cost with value	Unpredictable revenue	AWS, Twilio, Snowflake
Flat-Rate	Simple products	Easy to understand	Leaves money on table	Basecamp, Bench
Freemium	Consumer and SMB products	High adoption	Low conversion rates	Dropbox, Spotify, Notion
Per-Feature	Modular products	Flexible	Complex billing	Adobe Creative Cloud
Hybrid	Enterprise products	Optimizes revenue	Complex to manage	Salesforce, DataDog

1. Per-User (Seat-Based) Pricing

What is Per-User Pricing?

The most common SaaS pricing model charges a fixed fee for each user (seat) that accesses the platform. It's straightforward: more users = higher cost.

Formula: Price = Number of Users × Price per User per Month

How It Works

Example: Slack

Free: Limited features, 10K message history
Pro: $7.25 per user/month
Business+: $12.50 per user/month
Enterprise Grid: Custom pricing

Example: Zoom

Basic: Free (40 min limit on group meetings)
Pro: $14.99 per license/month
Business: $19.99 per license/month
Enterprise: Contact sales

Variations

Per Active User

Charge only for users who actively use the platform
Reduces costs for customers with seasonal or occasional users
Example: Intercom, Segment

Per-Seat Tiers

Discount per seat as volume increases
1-10 users: $20/user
11-50 users: $18/user
51+ users: $15/user

Minimum Seats

Require minimum number of seats (often 5-10 for business plans)
Ensures minimum revenue per customer

When to Use Per-User Pricing

Best For:

Collaboration and communication tools
Team productivity software
Project management platforms
CRM systems
HR and employee management tools

When It Works:

Value increases with number of users
Each user receives individual value
Easy to understand and predict costs
Natural fit for team-based workflows

Advantages

Predictable Revenue: Easy to forecast MRR and ARR
Simple to Understand: Customers know exactly what they'll pay
Scales with Customer Growth: Revenue grows as customers add users
Easy to Calculate ROI: Clear per-person value proposition
Lower Sales Friction: Straightforward pricing discussions

Disadvantages

Limits Viral Growth: Creates friction when adding new users
Account Sharing: Users may share accounts to avoid costs
Expansion Challenges: Customers resist adding users due to cost
Not Value-Based: Doesn't align with actual usage or value received
Competitive Pressure: Race to lowest per-seat price

Optimization Strategies

1. Annual Discounts Offer 10-20% discount for annual prepayment:

Monthly: $20/user/month
Annual: $16/user/month (20% savings)

2. Volume Discounts Provide tiered discounts for larger teams:

1-10 users: $20/user
11-25 users: $18/user
26-50 users: $16/user
51-100 users: $14/user
101+ users: Contact sales

3. Feature-Based Tiers Combine per-user pricing with feature tiers:

Starter: $10/user (basic features)
Professional: $20/user (advanced features)
Enterprise: $40/user (all features + support)

2. Tiered Pricing

What is Tiered Pricing?

Tiered pricing offers 2-4 distinct pricing packages, each with a defined set of features, usage limits, and support levels. Customers choose the tier that best matches their needs.

How It Works

Example: HubSpot Marketing Hub

Free: Basic features, limited contacts
Starter: $45/month (1,000 marketing contacts)
Professional: $800/month (2,000 contacts, advanced features)
Enterprise: $3,600/month (10,000 contacts, full features)

Example: Mailchimp

Free: 500 contacts, 1,000 sends/month
Essentials: $13/month (500 contacts, 5,000 sends)
Standard: $20/month (500 contacts, 6,000 sends)
Premium: $350/month (10,000 contacts, 150,000 sends)

Common Tier Structures

Good-Better-Best (3 Tiers)

Basic/Starter: Entry-level features
Professional/Business: Most popular, full features
Enterprise/Premium: Advanced features + white-glove support

4-Tier Structure

Free: Limited features to drive adoption
Starter: Basic paid plan for individuals/small teams
Professional: Full features for businesses
Enterprise: Custom solutions for large organizations

When to Use Tiered Pricing

Best For:

SaaS products with clear feature differentiation
Markets with diverse customer segments (SMB to enterprise)
Products where different users have different needs
Companies wanting to maximize customer lifetime value

Advantages

Market Segmentation: Capture customers across different budgets
Value Ladder: Natural upgrade path as customers grow
Revenue Optimization: Extract maximum value from each segment
Clear Positioning: Helps customers self-select appropriate plan
Upsell Opportunities: Easy to move customers up tiers

Disadvantages

Analysis Paralysis: Too many options can confuse buyers
Feature Balancing: Difficult to determine what goes in each tier
Pricing Page Complexity: Can overwhelm prospects
Cannibalization: May move customers to lower tiers
Maintenance Overhead: Managing multiple plan variations

Best Practices

1. Limit to 3-4 Tiers More than 4 tiers creates decision paralysis.

2. Highlight Most Popular Label recommended tier with "Most Popular" or "Best Value" badge.

3. Anchor with High Price Display highest tier first to make middle tiers seem affordable.

4. Clear Differentiation Make feature differences obvious and valuable.

5. Annual Discounts Incentivize annual commitment with 15-20% discount.

6. Free Trial on All Tiers Let customers test any tier (usually 14-30 days).

3. Usage-Based (Consumption) Pricing

What is Usage-Based Pricing?

Also called consumption-based or metered pricing, this model charges based on actual usage—API calls, storage consumed, emails sent, compute hours, etc.

Formula: Price = Usage Quantity × Unit Price

How It Works

Example: AWS EC2

Pay per hour of compute time
Different instance types have different rates
Additional charges for storage, data transfer

Example: Twilio

SMS: $0.0075 per message sent
Voice calls: $0.0140 per minute
WhatsApp messages: $0.005 per message

Example: Snowflake

Storage: $23-40 per TB per month
Compute: $2-4 per credit (credit = compute time)
Data transfer: Variable rates

Variations

Pure Usage-Based

Completely variable pricing
Pay only for what you use
Examples: AWS, Twilio, SendGrid

Usage-Based with Minimum

Minimum monthly fee + usage charges
Ensures baseline revenue
Example: $100/month minimum + usage

Committed Usage Discounts

Prepay for expected usage at discounted rate
Overage charges if you exceed commitment
Example: AWS Reserved Instances

Usage Tiers

Volume discounts at higher usage levels
First 10K API calls: $0.01 each
Next 90K: $0.008 each
100K+: $0.005 each

When to Use Usage-Based Pricing

Best For:

Developer tools and APIs
Infrastructure and cloud services
Communication platforms (email, SMS, voice)
Data storage and processing
Analytics and monitoring tools

When It Works:

Clear usage metrics that correlate with value
Technical audience comfortable with variable pricing
Product usage varies significantly between customers
Natural usage-based pricing in the market category

Advantages

Lower Barrier to Entry: Start small and grow organically
Perfect Alignment: Cost scales with value received
No Seat Restrictions: Unlimited users encourage adoption
Fair Pricing: Pay only for what you use
Revenue Growth: Automatically grows with customer usage
Viral Potential: No friction for adding users or use cases

Disadvantages

Revenue Unpredictability: Harder to forecast monthly revenue
Complex Billing: More difficult to explain and calculate
Customer Anxiety: Customers fear unexpected bills
Lower Initial Revenue: Slower initial monetization
Requires Metering: Need robust usage tracking infrastructure
Price Optimization: Difficult to find optimal unit price

Best Practices

1. Usage Alerts Notify customers when approaching thresholds:

50% of budget consumed
80% of budget consumed
100% of budget consumed

2. Budget Controls Let customers set spending limits and auto-pause.

3. Usage Calculators Provide tools to estimate monthly costs based on expected usage.

4. Committed Use Discounts Offer 20-50% discounts for annual usage commitments.

5. Free Tiers Provide generous free usage to encourage adoption:

Twilio: $15 trial credit
SendGrid: 100 emails/day free
AWS: 12-month free tier

6. Transparent Pricing Display clear per-unit costs and real-time usage dashboards.

4. Flat-Rate Pricing

What is Flat-Rate Pricing?

A single, all-inclusive price regardless of users, usage, or features. The simplest possible pricing model.

Formula: Price = Fixed Monthly/Annual Fee

How It Works

Example: Basecamp

$99/month flat rate
Unlimited users
Unlimited projects
All features included

Example: Bench Accounting

$299-499/month depending on business complexity
Flat rate includes bookkeeping, tax prep, support
No per-transaction or per-user fees

When to Use Flat-Rate Pricing

Best For:

Simple products with straightforward value proposition
Products where adding users costs little/nothing
Niche markets with clear pricing expectations
Products competing on simplicity and transparency

When It Works:

Target market values simplicity over customization
Product costs don't scale with usage
Want to differentiate on pricing model
Limited resources for pricing experimentation

Advantages

Extreme Simplicity: Easiest to understand and explain
No Friction: Unlimited users/usage encourages adoption
Predictable Revenue: Same price from every customer
Low Sales Costs: No complex pricing negotiations
Marketing Advantage: Stand out with simple pricing
Faster Decision: Reduces buying friction

Disadvantages

Revenue Optimization: Leaves money on table from high-value users
Limited Segmentation: Can't capture different customer types
Scaling Concerns: Large users cost more but pay same price
Lower Perceived Value: May seem too cheap for enterprise
Difficult to Increase: Hard to justify price increases
Limited Upsells: No clear upgrade path

Optimization Strategies

1. Strategic Price Point Price high enough to cover costs plus margin, but below competition:

Competitor A: $20/user/month (typical team of 10 = $200)
Your flat rate: $99/month (saves $101/month for 10-person team)

2. Annual-Only Pricing Offer only annual plans to improve cash flow and retention:

$1,188/year ($99/month effective rate)
Forces annual commitment
Reduces churn

3. Add-On Services Monetize through additional services:

Base product: $99/month flat
Priority support: +$49/month
Custom integrations: +$199/month
Training and onboarding: One-time fee

5. Freemium Pricing

What is Freemium?

Offer a free version with limited features or usage, with paid upgrades for additional capabilities. The free tier acts as a customer acquisition channel.

Formula: Free → Paid Conversion

How It Works

Example: Dropbox

Free: 2GB storage
Plus: $11.99/month (2TB storage)
Family: $19.99/month (2TB + 6 users)
Professional: $19.99/month (3TB + advanced features)

Example: Notion

Free: Individuals, limited blocks
Plus: $10/user/month (unlimited blocks, version history)
Business: $18/user/month (advanced features, admin tools)
Enterprise: Custom (SAML SSO, advanced controls)

Example: Spotify

Free: Ad-supported streaming
Premium: $10.99/month (ad-free, offline, better quality)
Family: $16.99/month (6 accounts)
Student: $5.99/month (verified students)

Freemium Variations

Feature-Limited Free Tier

Free version has limited features
Upgrade for advanced capabilities
Example: Canva (free templates vs. premium templates)

Usage-Limited Free Tier

Free with usage caps
Upgrade for higher usage
Example: Mailchimp (500 contacts free, 50K+ contacts paid)

Time-Limited Free Tier

Full features for limited time
Actually a free trial, not true freemium
Example: 14-30 day free trials

Forever Free Tier

Always free for individuals or small teams
Pay for business features or larger teams
Example: Slack (free for small teams, paid for advanced features)

When to Use Freemium

Best For:

Consumer-facing products
Network effect products (value increases with users)
Products with low marginal cost per user
Markets where free alternatives exist
Products targeting individual users who work in companies

When It Works:

Low cost to serve free users
Clear upgrade path and value proposition
Large addressable market
Product is inherently viral
Can sustain with 2-5% conversion rate

Advantages

Massive User Acquisition: Remove price barrier to adoption
Product-Led Growth: Product sells itself through usage
Word of Mouth: Free users become advocates
Land and Expand: Get free users, convert teams/companies later
Competitive Defense: Hard for paid-only competitors to compete
Market Research: Learn from free user behavior

Disadvantages

Low Conversion Rates: Typically 2-5% free to paid conversion
High Support Costs: Free users expect support too
Infrastructure Costs: Serving free users costs money
Perception Issues: "Free" can reduce perceived value
Feature Balance: Hard to determine free vs. paid features
Longer Sales Cycle: Free users take longer to convert

Optimizing Freemium Conversion

1. Clear Value Gap Make paid features obviously valuable:

Free: Export to PDF
Paid: Export to PDF, Word, PPT, HTML

2. Usage-Based Triggers Convert heavy free users:

Notify when approaching limits
Show what they're missing
Offer trial of paid features

3. Team Upgrades Target teams, not individuals:

Free for individuals
Paid for team collaboration features

4. Time-Based Incentives Create urgency:

20% discount if upgrade within 7 days
Limited-time offers for free users

5. Feature Paywalls Show paid features, require upgrade to use:

"Upgrade to Pro to use this template"
"This feature is available on Business plan"

6. Social Proof Highlight other companies using paid plans.

6. Per-Feature (À La Carte) Pricing

What is Per-Feature Pricing?

Customers pay for individual features or modules they want, building a custom package. Like ordering à la carte at a restaurant.

How It Works

Example: Adobe Creative Cloud

Single App: $20.99/month (Photoshop, Illustrator, etc.)
All Apps: $54.99/month (20+ apps)
Photography Plan: $9.99/month (Photoshop + Lightroom)

Example: Zendesk

Support: $19-$115/agent/month
Chat: $14/agent/month (add-on)
Talk: $25/agent/month (add-on)
Guide: $5/agent/month (add-on)
Explore: $9/agent/month (add-on)
Suite: $89-$149/agent/month (bundles all)

When to Use Per-Feature Pricing

Best For:

Products with distinct, modular features
Diverse customer needs (some need feature A, others need B)
Enterprise customers who want customization
Products where features have independent value

Advantages

Flexibility: Customers pay only for what they need
Lower Entry Price: Can start with just essential features
Upsell Opportunities: Many opportunities to add features
Value Alignment: Pay for value received
Market Segmentation: Different bundles for different personas

Disadvantages

Complexity: Hard to understand and compare
Decision Fatigue: Too many choices overwhelm buyers
Billing Complexity: Complicated invoices and billing
Support Challenges: Each customer has different configuration
Product Complexity: More SKUs to manage

Best Practices

1. Offer Bundles In addition to à la carte, offer popular bundles:

Suite/Bundle pricing at discount
Makes decision easier
Increases average deal size

2. Smart Defaults Recommend bundles based on use case or industry.

3. Simplify Later Start modular, but consider consolidating as you mature.

7. Hybrid Pricing Models

What is Hybrid Pricing?

Combines multiple pricing models to optimize for different customer segments, use cases, or product components.

Common Hybrid Approaches

Per-User + Usage-Based Base fee per user, plus usage charges for high-volume features.

Example: DataDog

Per-host pricing: $15/host/month
Plus usage-based pricing for logs, traces, etc.

Tiered + Usage-Based Tiers based on usage buckets, with overages.

Example: Mailchimp

Plans based on number of contacts
Overage charges if you exceed email send limits

Per-User + Per-Feature Base user price plus optional feature add-ons.

Example: Salesforce

Sales Cloud: $25-300/user/month (tiered)
Marketing Cloud: Add-on pricing
Service Cloud: Add-on pricing
Commerce Cloud: Add-on pricing

Advantages

Revenue Optimization: Extract maximum value from all segments
Flexibility: Adapt to different customer needs
Growth Alignment: Multiple ways to expand revenue per customer
Competitive Positioning: Can compete on multiple dimensions

Disadvantages

Complexity: Most complex to understand and explain
Sales Friction: Longer sales cycles with more questions
Billing Systems: Requires sophisticated billing infrastructure
Customer Confusion: Can overwhelm buyers
Support Challenges: More complex customer inquiries

When to Use Hybrid Pricing

Best For:

Enterprise products with diverse customer needs
Mature products with multiple value drivers
Markets where competitors use different models
Products serving multiple personas or use cases

Choosing the Right Pricing Model

Decision Framework

Step 1: Understand Your Value Metric What correlates most closely with value delivered?

User seats? (collaboration value)
Usage volume? (transaction value)
Features unlocked? (capability value)
Outcome achieved? (business value)

Step 2: Assess Your Market

What do competitors charge?
What pricing models are standard in your category?
What do customers expect?
What's your differentiation?

Step 3: Consider Your Business Model

What's your customer acquisition cost (CAC)?
What's your target customer lifetime value (LTV)?
What's your target LTV:CAC ratio? (should be 3:1 minimum)
What's your ideal payback period? (typically 12-18 months)

Step 4: Evaluate Operational Complexity

Can you handle usage metering?
Do you have resources for tiered support?
How complex is your billing system?
Can sales team explain the pricing model?

Pricing Model Recommendation by Product Type

Product Type	Recommended Model	Reason
Team Collaboration	Per-User or Freemium	Value scales with team size
Developer Tools	Usage-Based	Value comes from API calls/usage
CRM/Sales Tools	Tiered Per-User	Different needs by company size
Marketing Automation	Tiered (Contact-Based)	Value based on database size
Infrastructure/Cloud	Usage-Based	Direct correlation with resource consumption
Project Management	Per-User or Flat-Rate	Depends on target market complexity
Analytics/BI	Tiered or Usage-Based	Depends on data volume and users
Vertical SaaS	Tiered or Hybrid	Industry-specific value drivers

SaaS Pricing Psychology

Anchoring Effect

Display highest price first to make other options seem reasonable.

Decoy Pricing

Add a less attractive option to make your target option more appealing.

Example:

Basic: $10/month
Professional: $30/month (most popular)
Enterprise: $50/month

Add decoy:

Basic: $10/month
Professional: $30/month ← Now looks like great value
Advanced: $45/month (decoy - fewer features than Enterprise)
Enterprise: $50/month

Price Ending Strategy

$99 vs. $100 (feels significantly cheaper)
$97 vs. $99 (odd numbers can increase conversions)
Round numbers ($100) convey premium positioning

Annual Discounts

Standard discount: 15-25% for annual prepayment

Improves cash flow
Reduces churn
Increases customer lifetime value

Present as savings:

Monthly: $50/month ($600/year)
Annual: $480/year (Save $120 - 20% off!)

Free Trial Length

14 Days: Standard for simple products 30 Days: Better for complex products requiring setup 60+ Days: Enterprise products with long sales cycles

Credit Card Required vs. Not Required:

Requiring card: Higher conversion rate (25-40%)
No card required: Higher trial signups, lower conversion (10-15%)

Pricing Best Practices

1. Value-Based Pricing

Price based on value delivered, not cost to deliver.

How to Calculate:

Identify customer ROI (time saved, revenue generated, costs avoided)
Price at 10-20% of value delivered
Adjust based on market willingness to pay

Example:

Your CRM saves sales team 10 hours/week
10 hours × $50/hour × 4 weeks = $2,000/month value
Price at 10-15% of value = $200-300/month

2. Regular Price Testing

Test prices with new customers or new plans:

A/B test different price points
Test annually, not constantly (avoid confusing market)
Grandfather existing customers when raising prices

3. Clear Pricing Page

Your pricing page should include:

All plan options clearly displayed
Feature comparison table
FAQ section addressing common questions
Clear CTAs for each plan
Annual discount highlighted
Free trial available
Contact sales for enterprise

4. Price Localization

Adjust pricing for different markets:

Purchasing power parity adjustments
Local currency pricing
Regional competition considerations

Example:

US: $99/month
India: $49/month (adjusted for PPP)
Germany: €89/month (local currency)

5. Transparent Pricing

Display pricing publicly when possible:

Builds trust
Reduces sales friction
Qualifies leads better
Shorter sales cycle

When to Hide Pricing:

Complex enterprise deals
Highly customized solutions
Competitive sensitive pricing
Heavy negotiation expected

Common Pricing Mistakes

1. Pricing Too Low

Problem: Undervalue your product, attract wrong customers, insufficient margin for growth.

Solution: Price based on value, not cost. Test higher prices with new customers.

2. Too Many Tiers

Problem: Decision paralysis, analysis paralysis.

Solution: Limit to 3-4 clear tiers with distinct value propositions.

3. Unclear Value Differentiation

Problem: Customers can't tell difference between tiers.

Solution: Make feature and value differences obvious. Use clear labels.

4. No Free Trial or Demo

Problem: High friction to test product.

Solution: Offer 14-30 day free trial (no credit card for simpler products).

5. Ignoring Competitor Pricing

Problem: Price disconnected from market expectations.

Solution: Research competitor pricing. Justify premium or discount positioning.

6. One-Size-Fits-All Pricing

Problem: Leaving money on table or losing customers.

Solution: Segment pricing by customer size, industry, or use case.

7. Pricing Based on Cost

Problem: Ignores customer willingness to pay and value delivered.

Solution: Price based on value and market positioning, not internal costs.

Pricing Metrics to Track

Revenue Metrics

MRR (Monthly Recurring Revenue): Total monthly subscription revenue
ARR (Annual Recurring Revenue): MRR × 12
ARPU (Average Revenue Per User): Total revenue / number of users
ARPA (Average Revenue Per Account): Total revenue / number of accounts

Growth Metrics

New MRR: Revenue from new customers
Expansion MRR: Revenue from upgrades, add-ons, usage increases
Contraction MRR: Revenue lost from downgrades
Churned MRR: Revenue lost from cancellations
Net MRR Growth Rate: (New + Expansion - Contraction - Churned) / Beginning MRR

Customer Metrics

Customer Acquisition Cost (CAC): Sales & marketing spend / new customers
Customer Lifetime Value (LTV): ARPA × average customer lifetime (months)
LTV:CAC Ratio: Should be minimum 3:1
CAC Payback Period: Months to recover CAC (target: 12-18 months)

Pricing Efficiency Metrics

Free-to-Paid Conversion Rate: Paid customers / total signups
Trial-to-Paid Conversion Rate: Paid customers / trial users
Upgrade Rate: Customers who upgraded / total customers
Plan Distribution: % of customers on each plan

The Future of SaaS Pricing

Trend 1: Usage-Based Pricing Growth

Shift from per-seat to consumption-based pricing:

Better alignment with value
Lower barrier to entry
More fair pricing
Examples: Snowflake, DataDog, Twilio

Trend 2: Outcome-Based Pricing

Pricing based on results achieved, not features or usage:

Pay for revenue generated
Pay for costs saved
Pay for successful outcomes
Examples: Some marketing tools, recruitment platforms

Trend 3: Vertical-Specific Pricing

Specialized pricing for specific industries:

Healthcare: per patient
Real estate: per property listing
Recruiting: per hire
Education: per student

Trend 4: Product-Led Growth Models

Freemium and self-serve becoming dominant:

Reduce sales costs
Faster time to value
Viral growth
Bottom-up adoption in enterprises

Trend 5: Flexible Pricing

Mix-and-match pricing options:

Choose billing frequency
Choose value metric
Choose support level
Create custom bundles

Frequently Asked Questions

Q: Should I display pricing publicly? A: Yes, for SMB and mid-market products. Enterprise products often use "Contact Sales" for complex, customized pricing.

Q: How often should I change prices? A: Test pricing with new customers regularly. Raise prices for existing customers max once per year.

Q: Should I grandfather existing customers when raising prices? A: Usually yes, or give 90+ days notice. Maintains goodwill and reduces churn.

Q: What's a good free-to-paid conversion rate? A: 2-5% is typical. Top performers achieve 7-10%.

Q: Should I offer annual discounts? A: Yes! 15-25% discount for annual prepayment improves cash flow and reduces churn.

Q: How do I price for enterprise customers? A: Custom pricing based on scale, required features, support needs, and negotiation. Start with 3-5× your top tier price.

Q: What's the right price for my SaaS? A: Price based on value delivered, not cost. Start higher than comfortable, test with real customers, and adjust based on conversion rates and customer feedback.

Conclusion

SaaS pricing is both art and science. The "right" pricing model depends on your product, market, customer segments, and business goals.

Key Takeaways:

Start Simple: Begin with one clear pricing model, add complexity only when needed
Price on Value: Charge based on value delivered, not cost to deliver
Test Continuously: A/B test prices with new customers, iterate based on data
Make it Clear: Simple, transparent pricing reduces friction and increases conversions
Review Regularly: Revisit pricing annually as your product and market evolve

Remember: You can always raise prices, but it's harder to lower them. Start higher than feels comfortable, and adjust based on real market feedback.

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Last Updated: January 2025