{"id":288366,"date":"2026-01-31T00:20:54","date_gmt":"2026-01-30T18:50:54","guid":{"rendered":"https:\/\/trybeem.com\/blog\/?p=288366"},"modified":"2026-01-31T00:20:56","modified_gmt":"2026-01-30T18:50:56","slug":"how-to-build-multiple-safety-nets-cash-buffers-insurance-and-credit-access","status":"publish","type":"post","link":"https:\/\/trybeem.com\/blog\/how-to-build-multiple-safety-nets-cash-buffers-insurance-and-credit-access\/","title":{"rendered":"How to Build Multiple Safety Nets: Cash Buffers, Insurance, and Credit Access"},"content":{"rendered":"\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#why-relying-on-just-one-safety-net-leaves-you-vulnerable\">Why Relying on Just One Safety Net Leaves You Vulnerable<\/a><ul><li><a href=\"#short-term-vs-long-term-financial-shock-response\">Short-Term vs Long-Term Financial Shock Response<\/a><\/li><li><a href=\"#risks-that-fall-outside-a-single-protection-method\">Risks That Fall Outside a Single Protection Method<\/a><\/li><li><a href=\"#emotional-stress-from-having-only-one-backup-option\">Emotional Stress From Having Only One Backup Option<\/a><\/li><\/ul><\/li><li><a href=\"#safety-net-1-building-practical-and-sustainable-cash-buffers\">Safety Net #1 \u2014 Building Practical and Sustainable Cash Buffers<\/a><ul><li><a href=\"#starter-emergency-cash-vs-full-emergency-fund-goals\">Starter Emergency Cash vs Full Emergency Fund Goals<\/a><\/li><li><a href=\"#keeping-cash-accessible-without-putting-it-at-risk\">Keeping Cash Accessible Without Putting It at Risk<\/a><\/li><li><a href=\"#automating-small-steady-contributions-over-time\">Automating Small, Steady Contributions Over Time<\/a><\/li><\/ul><\/li><li><a href=\"#safety-net-2-insurance-as-protection-against-large-and-unexpected-events\">Safety Net #2 \u2014 Insurance as Protection Against Large and Unexpected Events<\/a><ul><li><a href=\"#health-disability-and-income-protection-coverage\">Health, Disability, and Income-Protection Coverage<\/a><\/li><li><a href=\"#auto-renters-or-home-coverage-for-property-risks\">Auto, Renters, or Home Coverage for Property Risks<\/a><\/li><li><a href=\"#understanding-deductibles-exclusions-and-policy-gaps\">Understanding Deductibles, Exclusions, and Policy Gaps<\/a><\/li><\/ul><\/li><li><a href=\"#safety-net-3-responsible-and-prepared-access-to-credit\">Safety Net #3 \u2014 Responsible and Prepared Access to Credit<\/a><ul><li><a href=\"#credit-as-a-temporary-bridge-not-a-first-solution\">Credit as a Temporary Bridge, Not a First Solution<\/a><\/li><li><a href=\"#maintaining-a-healthy-credit-profile-before-you-need-it\">Maintaining a Healthy Credit Profile Before You Need It<\/a><\/li><li><a href=\"#setting-boundaries-for-when-and-how-credit-should-be-used\">Setting Boundaries for When and How Credit Should Be Used<\/a><\/li><\/ul><\/li><li><a href=\"#how-these-safety-nets-work-together-in-real-life\">How These Safety Nets Work Together in Real Life<\/a><ul><li><a href=\"#cash-first-insurance-of-large-events-credit-for-timing-gaps\">Cash First, Insurance of Large Events, Credit for Timing Gaps<\/a><\/li><li><a href=\"#avoiding-stress-and-making-better-financial-decisions\">Avoiding Stress and Making Better Financial Decisions<\/a><\/li><\/ul><\/li><li><a href=\"#common-mistakes-people-make-when-building-safety-nets\">Common Mistakes People Make When Building Safety Nets<\/a><ul><li><a href=\"#practical-steps-to-start-building-layered-safety-nets-today\">Practical Steps to Start Building Layered Safety Nets Today<\/a><\/li><\/ul><\/li><li><a href=\"#conclusion\">Conclusion<\/a><ul><li><a href=\"#fa-qs-for-how-to-build-multiple-safety-nets\">FAQs for How to Build Multiple Safety Nets<\/a><\/li><\/ul><\/li><li><a href=\"#faq-question-1769798125260\">What is the reason why I require more than one financial safety net?<\/a><\/li><li><a href=\"#faq-question-1769798145995\">What is the maximum size of an emergency cash buffer?<\/a><\/li><li><a href=\"#faq-question-1769798166627\">What are the most significant insurance types in financial protection?<\/a><\/li><li><a href=\"#faq-question-1769798177111\">Is credit as a security measure dangerous?<\/a><\/li><li><a href=\"#faq-question-1769798191180\">So, how do these safety nets interrelate in a real-life scenario?<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p>Financial crises do not come often in a very foreseeable manner. Any unexpected event, such as a medical condition, job loss, or a sudden expense, can quickly reveal the weakness of a financial plan based on a single protection option. Although savings, insurance, or credit might offer a degree of security, none can cover all shocks. True financial resilience is achieved through the interaction of multiple layers of safety nets. <\/p>\n\n\n\n<p>With cash buffers, the right insurance coverage, and wise credit utilization, a flexible and reliable framework can be established that addresses minor inconveniences and handles major life events. In this blog, we explore how to build multiple safety nets.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"why-relying-on-just-one-safety-net-leaves-you-vulnerable\">Why Relying on Just One Safety Net Leaves You Vulnerable<\/h2>\n\n\n\n<p>Some individuals believe that one should only have savings to be <a href=\"https:\/\/trybeem.com\/blog\/financial-security-in-shared-housing-roommate\/\" data-type=\"post\" data-id=\"287796\">economically secure<\/a>, whereas some think they will be insured or get out of their situations with the help of credit. Over-dependence on any tool may create serious loopholes. Financial pressures are likely multifaceted and presented in multiple ways, and a single safety net might not be needed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"short-term-vs-long-term-financial-shock-response\">Short-Term vs Long-Term Financial Shock Response<\/h3>\n\n\n\n<p><a href=\"https:\/\/trybeem.com\/blog\/yearly-financial-checkup-reviewing-life-events\/\" target=\"_blank\" data-type=\"post\" data-id=\"287566\" rel=\"noreferrer noopener\">Financial shocks<\/a> can differ in duration and effects. The immediate need for cash is a temporary inconvenience, such as a late paycheck or a car breaking down. Long-term events, including prolonged illness or a lack of work, require long-term financial support. It is true that savings can be used in a couple of weeks, but they can vanish soon when one is suffering in the long term.\u00a0<\/p>\n\n\n\n<p>Insurance, however, can offer long-term protection, but in most cases, it is not very good at meeting short-term cash flow needs. The absence of several layers can leave people unable to respond properly to the situation as the nature of the emergency changes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"risks-that-fall-outside-a-single-protection-method\">Risks That Fall Outside a Single Protection Method<\/h3>\n\n\n\n<p>Life crises are hard to categorize. A health condition may entail incurring out-of-pocket expenses right away, delayed insurance payments, and lost earnings simultaneously. Savings might not be adequate, insurance might have deductions or exclusions, and credit might become expensive when utilised without proper planning. <a href=\"https:\/\/trybeem.com\/blog\/bucket-strategy-for-retirement-income\/\" target=\"_blank\" data-type=\"post\" data-id=\"278775\" rel=\"noreferrer noopener\">Reliance on a single safety net increases the risk <\/a>of financial swamping when an emergency exceeds the tool&#8217;s capabilities.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"emotional-stress-from-having-only-one-backup-option\">Emotional Stress From Having Only One Backup Option<\/h3>\n\n\n\n<p>In addition to the financial impact, using one safety net increases emotional strain. With a single plan, all the decisions become urgent and risky. The fear of depleting savings or incurring debt may lead to delays or poor financial decisions. The various safety nets offer psychological security and help one react calmly and thoughtfully, rather than panic.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"safety-net-1-building-practical-and-sustainable-cash-buffers\">Safety Net #1 \u2014 Building Practical and Sustainable Cash Buffers<\/h2>\n\n\n\n<p>Financial safety is based on cash buffers, which are readily available when needed to mitigate disruptions. They come in particularly handy with daily emergencies that no longer qualify as insurance claims and which should not be put on the credit card.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"starter-emergency-cash-vs-full-emergency-fund-goals\">Starter Emergency Cash vs Full Emergency Fund Goals<\/h3>\n\n\n\n<p>The prospect of <a href=\"https:\/\/trybeem.com\/blog\/where-to-put-emergency-fund-money\/\" target=\"_blank\" data-type=\"post\" data-id=\"266060\" rel=\"noreferrer noopener\">saving months of costs before one is financially secure<\/a> discourages many people. In essence, a cash buffer can be significant even in a small amount. An initial emergency fund will provide a buffer for minor inconveniences and reduce reliance on high-interest credit. In the long run, this buffer may be upgraded to an emergency fund, which is stronger and more secure.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"keeping-cash-accessible-without-putting-it-at-risk\">Keeping Cash Accessible Without Putting It at Risk<\/h3>\n\n\n\n<p>The emergency cash should not be difficult to reach, but not so readily available that it is not spent on emergency cases. Storing money in a different savings bank will sustain this balance. The objective is liquidity, yet without temptation. The cash buffers must be insulated against market volatility without compromising availability at the moment of need, thereby maintaining stability in times of uncertainty.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"automating-small-steady-contributions-over-time\">Automating Small, Steady Contributions Over Time<\/h3>\n\n\n\n<p>There is no need to deposit large sums of money to build a cash buffer. Little and frequent donations are usually more efficient and long-term. Automating transfers will eliminate decision-making from this process and enable savings to grow quietly over the long run. Such a strategy not only lessens financial stress but also progressively expands resilience.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"safety-net-2-insurance-as-protection-against-large-and-unexpected-events\">Safety Net #2 \u2014 Insurance as Protection Against Large and Unexpected Events<\/h2>\n\n\n\n<p>Cash buffers are created to withstand minor and moderate disturbances, but insurance is created to safeguard against huge, possibly catastrophic damages. It is vital in maintaining long-term financial soundness.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"health-disability-and-income-protection-coverage\">Health, Disability, and Income-Protection Coverage<\/h3>\n\n\n\n<p>Financial disruptive events include medical emergencies and income losses, among others. <a href=\"https:\/\/trybeem.com\/blog\/skipping-emergency-insurance-a-financial-mistake\/\" target=\"_blank\" data-type=\"post\" data-id=\"286980\" rel=\"noreferrer noopener\">Health insurance will help cover the high costs of care<\/a>, and disability or income-protection policies would provide financial support if the person is unable to work. Even a large amount of money saved without this safeguard can be lost in no time, and insurance is an important layer in any safety system.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"auto-renters-or-home-coverage-for-property-risks\">Auto, Renters, or Home Coverage for Property Risks<\/h3>\n\n\n\n<p>One of the risks that is usually undervalued is the property risk until the situation goes wrong. Unexpected and high costs may result from accidents, theft, natural disasters, or liability claims. Adequate insurance cover cushions against such risks and eliminates the necessity to sell savings or accumulate too much debt to salvage.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"understanding-deductibles-exclusions-and-policy-gaps\">Understanding Deductibles, Exclusions, and Policy Gaps<\/h3>\n\n\n\n<p>Insurance can only be effective when it aligns with real-world needs. This is because high deductibles, coverage limits, and exclusions can result in significant financial commitments when not read beforehand. Regular review of policies can help ensure that coverage does not create new holes in the safety net but complements it.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"safety-net-3-responsible-and-prepared-access-to-credit\">Safety Net #3 \u2014 Responsible and Prepared Access to Credit<\/h2>\n\n\n\n<p>Credit is not seen in a positive light, though when applied prudently, it can provide a valuable safety net. It is all a matter of preparation and restraint.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"credit-as-a-temporary-bridge-not-a-first-solution\">Credit as a Temporary Bridge, Not a First Solution<\/h3>\n\n\n\n<p>Credit is best used as a temporary instrument to bridge a timing gap, e.g., paying bills pending insurance reimbursement, or as a means of stabilising cash flow during a temporary interruption. It cannot and must not become a permanent solution to recurring financial issues, nor can it substitute for savings or insurance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"maintaining-a-healthy-credit-profile-before-you-need-it\">Maintaining a Healthy Credit Profile Before You Need It<\/h3>\n\n\n\n<p>The availability of cheap credit is a matter of preparation. Having a good credit profile means one has access to borrowing facilities in case of such eventualities. Individuals who exhibit good credit behaviors, such as making payments on time and keeping their credit card balances low, will pay less interest and be more flexible during stressful times.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2026\/01\/How-to-Build-Multiple-Safety-Nets-Cash-Buffers-Insurance-and-Credit-Access-1-1024x576.jpg\" alt=\"How to Build Multiple Safety Nets Cash Buffers, Insurance, and Credit Access\" class=\"wp-image-288369\" srcset=\"https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2026\/01\/How-to-Build-Multiple-Safety-Nets-Cash-Buffers-Insurance-and-Credit-Access-1-1024x576.jpg 1024w, https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2026\/01\/How-to-Build-Multiple-Safety-Nets-Cash-Buffers-Insurance-and-Credit-Access-1-300x169.jpg 300w, https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2026\/01\/How-to-Build-Multiple-Safety-Nets-Cash-Buffers-Insurance-and-Credit-Access-1-768x432.jpg 768w, https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2026\/01\/How-to-Build-Multiple-Safety-Nets-Cash-Buffers-Insurance-and-Credit-Access-1-1536x864.jpg 1536w, https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2026\/01\/How-to-Build-Multiple-Safety-Nets-Cash-Buffers-Insurance-and-Credit-Access-1-2048x1152.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"setting-boundaries-for-when-and-how-credit-should-be-used\">Setting Boundaries for When and How Credit Should Be Used<\/h3>\n\n\n\n<p>Having clear personal rules about credit use eliminates the risk of being influenced by emotions or making hasty decisions. It is possible to define what constitutes an emergency and predetermine repayment expectations to maintain the use of credits as a temporary measure. This field safeguards financial stability in the long run, yet credit can be used for this purpose.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-these-safety-nets-work-together-in-real-life\">How These Safety Nets Work Together in Real Life<\/h2>\n\n\n\n<p>The real power of financial safety is the interaction between the tools. All the safety nets help others, allowing a well-balanced and flexible system.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"cash-first-insurance-of-large-events-credit-for-timing-gaps\">Cash First, Insurance of Large Events, Credit for Timing Gaps<\/h3>\n\n\n\n<p>In practice, cash buffers are the most effective way to manage small expenses and avoid unnecessary credit and debt. Insurance absorbs large, unpredictable losses for long-term assets. Credit can be used to fill the short-term credit gaps when delays in time or coverage arise. This multifaceted strategy does not rely excessively on any specific tool.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"avoiding-stress-and-making-better-financial-decisions\">Avoiding Stress and Making Better Financial Decisions<\/h3>\n\n\n\n<p>Financial decisions become less stressful when there are various safety nets. Knowing that there are other options in case of failure builds confidence in recovery and allows people not to worry about survival. Such clarity of mind improves decision-making and stabilizes the financial situation faster.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"common-mistakes-people-make-when-building-safety-nets\">Common Mistakes People Make When Building Safety Nets<\/h2>\n\n\n\n<p>Another common error is to think that one tool can substitute for the others. Others overestimate the duration of their savings, and others underestimate insurance gaps or abuse credit under pressure. Delayed preparation is another common problem that often follows a crisis. Good safety nets should be planned and reviewed regularly so they can be applied to change processes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"practical-steps-to-start-building-layered-safety-nets-today\">Practical Steps to Start Building Layered Safety Nets Today<\/h3>\n\n\n\n<p>The creation of a stratified financial security involves no radical transformations. It begins with recognizing personal risks, setting a simple cash buffer, assessing available insurance cover, and being responsible in assessing creditworthiness. Minimally invasive measures can be taken now that build up significant protection against future upheavals and mitigate susceptibility to future disruptions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"conclusion\">Conclusion<\/h2>\n\n\n\n<p>The problem of financial security cannot be solved by a single solution. It is built on prudently integrating cash cushions, insurance cover, and the sensible use of credit. All safety nets serve their own purpose, and together they form a flexible network that can adapt to life&#8217;s uncertainties. Layered protection can help individuals feel less stressed, build more confidence, and navigate financial issues with greater stability by building and sustaining it.<\/p>\n\n\n\n<p>For any financial aid, you can check out\u00a0<a href=\"https:\/\/trybeem.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Beem<\/a>, an AI-powered smart wallet app trusted by over 5 million Americans with features from cash advances to help with budgeting and tax calculations. In addition, Beem\u2019s\u00a0<a href=\"https:\/\/trybeem.com\/get-instant-cash-advance\" target=\"_blank\" rel=\"noreferrer noopener\">Everdraft\u2122<\/a>\u00a0lets you withdraw up to $1,000 instantly and with no checks. Download the app\u00a0<a href=\"https:\/\/apps.apple.com\/us\/app\/beem-better-than-cash-advance\/id1525101476\" target=\"_blank\" rel=\"noreferrer noopener\">here<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs-for-how-to-build-multiple-safety-nets\">FAQs for How to Build Multiple Safety Nets<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1769798125260\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">What is the reason why I require more than one financial safety net?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Financial emergencies are either small, short-term, and not quite complex. There are various safety nets that will protect you in various situations.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1769798145995\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">What is the maximum size of an emergency cash buffer?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>This is because the appropriate quantity varies depending on the case at hand, so it is a viable solution to start small and increase over a month to three months for basic needs.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1769798166627\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">What are the most significant insurance types in financial protection?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Financial protection is typically characterized by the presence of health, income-related, and property insurance.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1769798177111\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">Is credit as a security measure dangerous?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Using credit can be dangerous when one feels like buying things, but when used strictly and sparingly, it can offer a significant source of short-term assistance.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1769798191180\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">So, how do these safety nets interrelate in a real-life scenario?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Cash can be used in the short term, insurance can be used to cover significant losses, and credit can be used to fill gaps in time to make financial security balanced and trustworthy.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Financial crises do not come often in a very foreseeable manner. Any unexpected event, such as a medical condition, job loss, or a sudden expense, can quickly reveal the weakness of a financial plan based on a single protection option. Although savings, insurance, or credit might offer a degree of security, none can cover all [&hellip;]<\/p>\n","protected":false},"author":26,"featured_media":288368,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2310],"tags":[18943,18942,18940,134],"edited-by":[],"class_list":["post-288366","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking","tag-cash-buffers","tag-how-to-build-multiple-safety-nets","tag-how-to-build-multiple-safety-nets-cash-buffers","tag-insurance"],"acf":[],"_links":{"self":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/288366","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/users\/26"}],"replies":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/comments?post=288366"}],"version-history":[{"count":2,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/288366\/revisions"}],"predecessor-version":[{"id":288371,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/288366\/revisions\/288371"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media\/288368"}],"wp:attachment":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media?parent=288366"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/categories?post=288366"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/tags?post=288366"},{"taxonomy":"edited-by","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/edited-by?post=288366"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}