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Continue to Chat"Value added" is a meaningless concept for a retail business , for a bank, for a life insurance company, and for any other business which is not primarily engaged in manufacturing. - Peter Drucker from https://whatsmyquote.com/quote/value-added-is-a-meaningless-concept-for-a-retail-business-for-a-bank-for-a-life-insurance-company-and-for-any