Document:

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                          Consulting Agreement Between
           Excelco Systems International and Whirlwind Marketing, Inc.

This Consulting Agreement made and entered into this 18 Day of October 2001 by
and between Whirlwind Marketing, Inc., having an office 455 Pennsylvania Avenue
Suite 200 Fort Washington, Pa 19034 (hereinafter "WLWD") and ExCelco Systems
International (hereinafter "Consultants") independent contractors, having an
address Sidhanti Bldg, Pargi, A.P., India, 501501 and 145 Columbia Drive,
Saskatoon, Sask, Canada, S7X 7X7.

P R E M I S E S

WHEREAS, WLWD, through its operations is engaged in the business of Developing
fundraising solutions for non-profits, schools, league sports and so on.

WHEREAS, Consultant represent themselves as qualified to perform the desired
services required by WLWD.

WHEREAS, WLWD desires to retain Consultant to act as a finder for acquisition
Candidates, to possibly provide engineering services, and/or assist in technical
staffing for WLWD and its subsidiaries, and WLWD shall compensate Consultant for
the services by issuing Consultant shares of the WLWD common stock.

The Consultant is willing to perform such consulting services on the terms and
conditions herein contained.

A G R E E M E N T

NOW THEREFORE, in consideration of the above stated premises and the promises
herein contained, and for good and valuable consideration, the parties hereto
agree as follows:

1. Engagement of Consultant:

WLWD hereby retains Consultant and Consultant agrees to act as a finder for
potential acquisition candidates in the technology segment of its business.

2. Terms:

WLWD hereby retains Consultant for a period of five (5) months ending February
28, 2002, and renewable after February 28, 2002, on a monthly basis, only by a
written notification from WLWD to Consultant, to provide the services set forth
herein.

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A. Scope of Consultant's Work:

1. On a non-exclusive basis, Consultant shall introduce WLWD to possible
acquisition candidates, evaluate WLWD's possible acquisition candidates, review
the business and operation of the candidates, assist WLWD in obtaining
information for its due diligence review of the possible candidates, and
coordinate the dissemination of information to and from the candidates.

B. Work Assignment

1. Specific verbal and written tasks are to be coordinated through Mr. Mark W.
Peters, President of WLWD with periodic plans submitted as well as ongoing
monthly progress reports sent to Mr. Mark W. Peters. The parties shall document
each candidate introduced by Consultant.

2. Compensation: As compensation for the services to be rendered by Consultant
hereunder, Consultant shall be paid, and Consultant agrees to accept, the
following:

a. WLWD shall pay to consultant 50,000 shares of S8 Shares.

5. Termination of Agreement by the Company. It is understood and agreed that
either party hereof, may at any time and for any reason whatsoever, terminate
this agreement by giving thirty (30) days prior written notice to the other
party. At the conclusion of this agreement, or its termination, all data
provided by WLWD to Consultant shall be returned to WLWD. All compensation due
for completed services through the date of termination shall be paid to
Consultant immediately upon termination.

6. Reports To WLWD

a. Commencing September 1st, 2001, and at least once each month thereafter
during the Term of this Agreement, Consultant shall prepare and present to WLWD
a written report describing its activities and its progress toward meeting the
objectives mutually agreed upon by Consultant and WLWD.

b. Throughout the Term of this Agreement, Consultant may also provide the
officers, directors, employees or designees of WLWD with verbal reports
concerning its activities.

This Agreement may be extended beyond the period specified herein as set forth
herein.

7. Confidential Information

WLWD agrees to promptly provide and fully disclose to Consultant any and all
information regarding WLWD, which Consultant deems pertinent to its engagement
hereunder. Consultant acknowledges that any and all knowledge or information
concerning WLWD and its affairs obtained by Consultant, his principals,
employees and/or contractors in the course of his engagement hereunder will be
deemed "confidential" and will be held inviolate by him and that he will conceal
the same from any and all other persons and entities, including, but not limited
to, competitors of WLWD and that he will not impart any such knowledge to anyone
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whosoever during or after the term of hereof. As used herein, "confidential"
knowledge or information means: (a) all information regarding WLWD, which is not
generally available to the public; and (b) all information regarding WLWD, which
was received by Consultant from a source with confidentiality obligations to
WLWD. Consultant shall, upon the termination of his engagement by WLWD for any
reason whatsoever, immediately surrender and turn over to WLWD all
"confidential" material including, but not limited to, books, forms, records,
WLWD lists and all other papers and writings relating to WLWD and all other
property belonging to WLWD, it being understood and agreed that the same are the
sole property of WLWD. This includes any and all papers, documents and computer
records created or held by Consultant. In addition to any other rights or
remedies to which WLWD may be entitled, WLWD shall have the right to obtain an
ex parte restraint upon the breach or threatened breach of this section. This
section shall survive termination of this Agreement.

8. Best Efforts Basis.

Consultant agrees that he will at all times faithfully and to the best of his
experience, ability and talents, perform all the duties that may be required of
and from Consultant, pursuant to the terms of this Agreement. Consultant does
not guarantee that his efforts will have any impact on Client's business or that
any subsequent financial improvement will result from Consultant's efforts.
Client understands and acknowledges that the success or failure of Consultant's
efforts will be predicated on Client's assets and operating results.

9. Client's Rights to Approve Transactions.

WLWD expressly retains the right to approve, in its sole discretion, each and
every transaction introduced by Consultant that involves WLWD. Consultant and
WLWD agree that Consultant is not authorized to enter into agreements on behalf
of WLWD.

10. WLWD Under No Duty or Obligation to Accept or Close on any Transactions. It
is mutually understood and agreed that WLWD is not obligated to accept or close
any promotional proposal, acquisition, or merger transactions submitted by
Consultant.

11. Costs and Expenses.

Consultant shall be responsible for all out-of-pocket expenses, travel expenses,
third party expenses, filing fees, copy and mailing expenses that Consultant may
incur in performing Consulting Services under this Agreement. However, such
costs must be fair and reasonable, and shall be reimbursed to Consultant if
pre-approved in writing by WLWD and payable within thirty (30) days from the
date that the Consultant submits an approved expense report to WLWD.
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12. Consultant Status

Consultant acknowledges that he is providing services hereunder as an
independent contractor. Accordingly, Consultant agrees that any taxes associated
with the performance of the services hereunder shall be his sole responsibility.
Consultant further agrees that nothing herein shall create a relationship of
partners or joint venture's between Consultant and WLWD

13. Representations Of WLWD

WWV hereby represents and warrants as follows:

a. Organization and Standing. WLWD is a corporation validly existing and in good
standing under the laws of Delaware.

b. Corporate Power and Authority. WLWD has the corporate power to execute and
deliver this Agreement, has taken all action required by law to authorize such
execution and delivery, and this Agreement is a valid and binding obligation of
WLWD in accordance with its terms.

14. Representations Of Consultant

Consultant hereby represents and warrants as follows:

a. Power and Authority. Consultant has the power to execute and deliver this
Agreement, has taken all action required by law to authorize such execution and
delivery, and this Agreement is a valid and binding obligation of Consultant in
accordance with its terms.

b. Inside Information Securities Laws Violations. In the course of the
performance of his duties, consultant may become aware of information which may
considered "inside information" within the meaning of the Federal Securities
Laws, Rules and Regulations. Consultant acknowledges that his use of such
information to purchase or sell securities of WLWD, or its affiliates, or to
transmit such information to any other party with a view to buy, sell, or
otherwise deal in WLWD's securities, is prohibited by law and would constitute a
breach of this Agreement and notwithstanding the provisions of this Agreement,
will result in the immediate termination of the Options.

c. By reason of Consultant's knowledge and experience of financial and business
matters in general, and investments in particular, Consultant is capable of
evaluating the merits of this transaction and in bearing the economic risks of
an investment in the shares and WLWD in general and fully understand the
speculative nature of such securities and the possibility of such loss;

d. Consultant has had the opportunity to ask questions and receive answers
concerning the terms and conditions of the Shares to be issued hereby and
reserved for issuance pursuant hereto, and to obtain any additional information
which Client possesses or can acquire without unreasonable effort or expense
that is necessary to verify the accuracy of information furnished; and
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e. Consultant has been furnished with a copy of WLWD's most recent Annual Report
on Form 10-KSB, and all reports or documents required to be filed under Sections
13(a), 14(a) and 15(d) of the Securities and Exchange Act of 1933, as amended,
including but not limited to, quarterly reports on Form 10-QSB; and, in
addition, that Consultant has been furnished with a brief description of WLWD's
capital structure and any material changes in WLWD's affairs that may not have
been disclosed in the Disclosure Documents.

f. The Consultant agrees not to violate any Federal or State Laws in connection
with this agreement.

15. Defaults

In the event that WLWD fails to pay any amount due to Consultant hereunder, or
to timely reimburse Consultant for any expenses in the manner set forth herein,
or otherwise defaults hereunder, after receiving written notice of such default
with fifteen (15) days to cure, Consultant shall have the right to cease
performing services hereunder and to declare all amounts due hereunder to be
immediately due and payable. In no event shall any funds paid to Consultant
hereunder be refundable to WLWD.

16. Notices

All notices permitted, required or provided for by this Agreement shall be made
in writing, and shall be deemed adequately delivered if delivered by hand and a
receipt obtained, or by a nationally recognized overnight courier service that
regularly maintains records of its pick ups and deliveries, to the parties at
their respective addresses set forth above or to any other address designated by
a party hereto by written notice of such address change. Notices shall be deemed
given as of the date of delivery to the overnight courier service or to the
recipient if delivered by hand, and received one day after delivery to the
overnight courier service or when actually received if delivered by hand.

17. Indemnification

WLWD shall hold harmless and indemnify Consultant from and against any and all
damages, losses, liabilities, obligations, fees, costs and expenses, including
but not limited to, the payment and advancement of reasonable attorney's fees,
resulting from, or incurred in connection with claims made against Consultant
relating to the performance by WLWD hereunder. Notwithstanding the foregoing,
WLWD shall have no obligation to hold harmless and indemnify Consultant from
claims made against Consultant, which arise out of, or in connection with,
Consultant's negligence in the performance of his duties hereunder. The
provisions of this Section shall survive termination of this Agreement.

The Consultant shall hold harmless and indemnify WLWD from and against any and
all damages, losses, liabilities, obligations, fees, costs and expenses,
including but not limited to, the payment and advancement of reasonable
attorney's fees, resulting from, or incurred in connection with claims made
against WLWD relating to the performance of WLWD.
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Except for compensation and any approved expenses, the Consultant shall hold
harmless and indemnify WLWD from and against any and all damages, losses,
liabilities, obligations, fees, costs and expenses, including but not limited to
the payment and advancement of reasonable attorney fees, resulting from, or
incurred in connection with claims made against WLWD relating to the performance
of WLWD.

18. Binding Effect; Assignment

This Agreement shall be binding upon and inure to the benefit of the parties and
their respective successors and permitted assigns. Neither party may assign
either this Agreement or any of its rights, interests, or obligations hereunder
without the prior written approval of the other party.

19. Entire Agreement

This Agreement represents the entire Agreement with respect to matters
contemplated herein and supersedes any prior oral or written agreements or
undertakings between the parties with respect to such matters. This Agreement
shall not be amended to any extent or canceled, except by a writing executed by
the parties.

20. Headings

The headings in this Agreement are for convenience of reference only and shall
not limit or otherwise affect any of the terms or provisions hereof.

21. Counterparts

This Agreement and any amendments hereto may be executed in any number of
counterparts, all of which together shall constitute a single, original
instrument.

22. Separability

To the extent that any term or provision hereof is deemed invalid, void or
otherwise unenforceable, but may be made enforceable by amendment thereto, the
parties agree that such amendment may be made so that the same shall,
nevertheless, be enforceable to the fullest extent permissible under the laws
and public policies applied in the jurisdiction in which enforcement is sought.
This Agreement is made in the State of Pennsylvania and subject to the laws of
such State without regard to conflicts of law rules. Any action or proceeding in
regard to this Agreement must be brought in the State of Delaware.
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23. Waiver

A waiver of any breach of any provision of this Agreement must be in writing and
shall not constitute or operate as a waiver of any other breach of such
provision or of any other provision, nor shall any failure to enforce any
provisions hereof operate as a waiver of such provision or of any other
provision hereunder.

IN WITNESS THEREOF, the Parties have caused this agreement to be executed on its
behalf by a duly authorized officer and consultant as hereunto agreed by
authorized signatures, all as of the day and year first above written.

Whirlwind Marketing, INC.                     CONSULTANT

By: /s/ Mark W. Peters                        By: /s/ Francis Chary
   --------------------------                     ------------------------------
Name:  Mark W. Peters                         Name: Francis Chary

Title:     President                          Title: Vice President

Date:     10/21/01                            Date:     10/24/01
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                                              Fed. Tax Id. #
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                                                                    EXHIBIT 10-3

             [FORM OF FISHER & PAYKEL HEALTHCARE SHARE OPTION PLAN]

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                  FISHER & PAYKEL HEALTHCARE SHARE OPTION PLAN

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                  FISHER & PAYKEL HEALTHCARE SHARE OPTION PLAN

                                    CONTENTS

1.       Name and Structure of Plan

2.       Interpretation

3.       Limitations on Issue

4.       Issue of Options

5.       Rights of Participants Holding Options

6.       Exercise of Options

7.       Rights upon Exercise

8.       Quotation

9.       Lapse of Options

10.      Disputes

11.      Correspondence

12.      Employment Rights

13.      Amendment of Plan

14.      Governing Law

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1.       NAME AND STRUCTURE OF THE PLAN

1.1      This Plan is called the "Fisher & Paykel Healthcare Share Option Plan".

2.       INTERPRETATION

2.1      Except where the context otherwise requires:

         "BOARD" means the board of directors of the Company.

         "BUSINESS DAY" means a day on which the Exchange is open for trading.

         "COMPANY" means Fisher & Paykel Industries Limited (to be renamed
         Fisher & Paykel Healthcare Corporation Limited).

         "EMPLOYEE" means any person who is employed by the Company or any
         Subsidiary and includes any director of the Company or any Subsidiary
         holding salaried office or employment with the Company or any
         Subsidiary.

         "EXCHANGE" means the New Zealand Stock Exchange or, if the Board
         considers the use of the New Zealand Stock Exchange in this definition
         to be inappropriate, such other stock exchange on which the Shares are
         quoted that is selected by the Board.

         "EXERCISE DATE" means, in respect of an Option, the date on which a
         Participant exercises the Option in accordance with clause 6.

         "EXERCISE PRICE" means the amount payable when an Option is exercised,
         calculated in accordance with the Plan.

         "GRANT DATE" means, in respect of an Option, the date on which the
         Option is granted to a Participant or deemed to be granted to a
         Participant in accordance with clause 4.

         "LAPSE DATE" means, in respect of an Option, the date on which the
         Option lapses in accordance with clause 9.

         "LEAVING DATE" means the date on which an Employee ceases to be
         employed by the Company or any Subsidiary.

         "LISTING RULES" means the listing rules of any stock exchange which are
         binding on the Company, as amended or substituted from time to time.

         "OPTION" means an option granted under the Plan over a Share.

         "PARTICIPANT" means the holder of an Option.

         "REDUNDANCY" means a situation in which an Employee's employment is
         terminated where the termination is attributable to the fact that the
         position filled by the Employee is, or will be, discontinued and no
         comparable position is available.

         "SEPARATION" means the separation of the appliances/finance business
         and healthcare business of Fisher & Paykel Industries Limited into two
         industry specific, listed

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         companies, namely Fisher & Paykel Appliances Holdings Limited and
         Fisher & Paykel Healthcare Corporation Limited.

         "SHARE" means a fully paid up ordinary share in the capital of the
         Company.

         "SHAREHOLDER" means the holder of a Share.

         "SUBSIDIARY" means a subsidiary of the Company within the meaning given
         to the term "subsidiary" in section 5 of the Companies Act 1993 or any
         other company that the Board deems to be an associated company.

2.2      Unless the context otherwise requires, words denoting the singular
         shall include the plural and vice versa.

2.3      Where any matter is to be determined by the Board, that matter shall be
         determined in the sole discretion of the Board whose determination
         shall be final and binding in all respects.

3.       LIMITATIONS ON GRANT

3.1      No grant shall be made to a person who is not an Employee.

3.2      Notwithstanding any provision of the Plan, no grant shall be made
         unless permitted by or pursuant to any applicable Listing Rules and all
         other applicable laws (including insider trading laws).

3.3      Any Options granted prior to completion of the Separation shall be
         conditional on completion occurring, with the effect that:

         (a)      if completion does not occur within 3 months of the grant, the
                  Option shall be treated as never having been granted;

         (b)      the Participant may not exercise any rights in relation to the
                  Option (including, without limitation, any right to exercise
                  the Option) until completion has occurred;

         (c)      if an Employee ceases to be employed by the Company or any
                  Subsidiary between the Grant Date and completion, that
                  cessation shall be deemed to have occurred on completion.

4.       GRANT OF OPTIONS

4.1      The Board may, in its absolute discretion, determine the Employees to
         whom a grant is to be made and the number of Options to be granted. On
         or before the time a grant is made, the Board may determine that the
         Options will have a deemed Grant Date earlier or later than the date on
         which the grant is actually made.

4.2      The Exercise Price of an Option granted prior to completion of the
         Separation shall be the amount determined by the Board to be the NZ$
         per Share equivalent of the initial public offering price of the
         American Depository Shares issued in connection with the Separation.
         The Exercise Price of an Option granted after completion of the
         Separation shall be the amount determined by the Board to represent the
         market price of Shares on or around the Grant Date. The Board shall
         notify Participants of the Exercise Price as soon as practicable after
         it is determined.

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4.3      An Option certificate or certificates, executed by the Company as a
         deed, shall be provided to each Participant as soon as practicable
         after the determination under clause 4.1 above.

5.       RIGHTS OF PARTICIPANTS HOLDING OPTIONS

5.1      Options granted to a Participant are not transferable to any other
         person and no Participant may in any way sell, charge or otherwise
         dispose of or create any interest in favour of any third party over or
         in relation to any Option.

5.1      Options do not entitle the Participant to receive dividends from, or
         vote in respect of, the Shares subject to the Options.

6.       EXERCISE OF OPTIONS

6.1      A Participant may exercise an Option at any time permitted by law by
         giving notice to the Company in the form prescribed by the Company and
         remitting the Exercise Price to the Company, subject to the following
         conditions:

         (a)      one third of the Options granted to the Participant on a
                  particular Grant Date may be exercised between the second
                  anniversary of the Grant Date and the Lapse Date;

         (b)      a further one third of the Options granted to the Participant
                  on a particular Grant Date may be exercised between the third
                  anniversary of the Grant Date and the Lapse Date;

         (c)      a further one third of the Options granted to the Participant
                  on a particular Grant Date may be exercised between the fourth
                  anniversary of the Grant Date and the Lapse Date,

         Provided that where:

         (i)      a Participant has ceased to be employed by the Company or any
                  Subsidiary in the circumstances outlined in clause 9.1(b); or

         (ii)     a person or group of persons acting in concert acquires 50% or
                  more of the Shares on issue,

         the conditions in this clause 6.1 which prevent the Participant from
         exercising options until the specified period has elapsed shall not
         apply.

6.2      The minimum number of Options that may be exercised by a Participant on
         any one occasion is 200 Options.

6.3      The Company shall, within five Business Days after the Exercise Date,
         issue, transfer or procure the transfer to the Participant of the
         relevant Shares.

6.4      Notwithstanding any other provisions in this clause 6, where requested
         to do so by a Participant, the Company shall use all reasonable
         endeavours to establish an arrangement under which a Participant who
         wishes to exercise Options is able to acquire and sell sufficient of
         the Shares to obtain the funds required to pay the Exercise Price
         without having to obtain those funds from his or her own resources.

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7.       RIGHTS UPON EXERCISE

7.1      Any Shares issued or transferred upon the exercise of an Option shall
         be fully paid and shall rank equally in all respects with the relevant
         Shares on issue at the Exercise Date, except for any dividend in
         respect of which the record date occurred prior to the Exercise Date.

7.2      If between the Grant Date and the Exercise Date in respect of any
         Option:

         (a)      the Company makes or announces any rights issue, or other
                  offer to Shareholders to take up Shares or other securities;

         (b)      any consolidation or subdivision of Shares, Share buyback,
                  amalgamation, or other reconstruction of or adjustment to the
                  Shares or the share structure of the Company, of any nature
                  whatsoever, is made or announced; or

         (c)      any offer is made or announced for the acquisition of Shares,

         the Board may make such adjustments or alterations to the terms of
         Options (provided that it will apply any adjustment formula set out in
         the Listing Rules in the case of a rights issue), as in the reasonable
         opinion of the Board are necessary to ensure that, so far as is
         reasonably possible, no benefit is conferred on a Participant that is
         not conferred on Shareholders (and vice versa), as a result of the
         occurrence of the event referred to in (a), (b) or (c) above. Such
         arrangements or adjustments may include (without limitation):

         (i)      adjustments to the number of Shares to be issued or
                  transferred upon exercise of the Options;

         (ii)     adjustments to the Exercise Price of the Options;

         (iii)    permitting Participants to exercise Options earlier than would
                  otherwise have been the case; or

         (iv)     arranging for Participants to participate in any offer or
                  issue of securities made by the Company.

         No such arrangement or alteration shall be made if that arrangement or
         alteration would cause a breach of the Listing Rules or in respect of
         the Separation.

7.3      If between the Grant Date and the Exercise Date Shares are issued pro
         rata to Shareholders generally (otherwise than pursuant to any dividend
         reinvestment plan of the Company then in force or the Separation) by
         way of a bonus issue, a Participant shall be entitled, upon exercise of
         his or her Options, to receive in addition to the Shares issued or
         transferred on the exercise of those Options so many additional bonus
         Shares as would have been issued to a Shareholder who, on the date for
         determining entitlements under the bonus issue, held Shares equal in
         number to the Shares issued or transferred on the exercise of those
         Options (including any additional bonus Shares arising from the
         operation of this clause in respect of an earlier bonus issue).

<PAGE>

8.       QUOTATION

8.1      The Company will not apply, or be required to apply, for quotation of
         an Option on the Exchange.

8.2      The Company will apply to the Exchange for, and will use all reasonable
         endeavours to obtain, quotation for the Shares issued pursuant to the
         Plan.

9.       LAPSE OF OPTIONS

9.1      Unless otherwise determined by the Board, an Option shall lapse and
         cease to be exercisable on the first to occur of the following events:

         (a)      5pm on the fifth anniversary of the Grant Date;

         (b)      in the case of an Option held by a Participant who ceases to
                  be employed by the Company or any Subsidiary because of his or
                  her death, serious illness, accident, permanent disablement or
                  Redundancy, one month after the Leaving Date;

         (c)      in the case of an Option held by a Participant who ceases to
                  be employed by the Company or any Subsidiary after a person or
                  group of persons acting in concert acquires 50% or more of the
                  Shares on issue, one month after the Leaving Date;

         (d)      in the case of an Option held by a Participant who ceases to
                  be employed by the Company or any Subsidiary other than as
                  referred to in paragraph (b) and (c), the Leaving Date.

9.2      Where the Board makes a determination in terms of the opening words of
         clause 9.1, the Board may impose conditions on the future exercise of
         the Option.

10.      DISPUTES

         Any dispute or difference arising under the Plan shall be determined by
         the Board whose decision shall be final and binding in all respects.

11.      CORRESPONDENCE

11.1     Any correspondence from a Participant to the Company shall be delivered
         or posted to the registered office of the Company, or to such other
         address as may be notified by the Company in writing.

11.2     Any correspondence from the Company to a Participant shall be delivered
         to the Participant or posted to his or her home address.

12.      EMPLOYMENT RIGHTS

         A Participant waives all rights to compensation or damages in
         consequence of the termination of his employment with the Company or
         any Subsidiary for any reason whatsoever insofar as those rights arise,
         or may arise, from his ceasing to be entitled to exercise any Option
         under the Plan as a result of such termination.

<PAGE>

13.      AMENDMENT OF PLAN

         The Company may amend the provisions of the Plan in such manner as it
         thinks fit provided that in respect of Options issued prior to the
         effective date of any amendment, no such amendment that would adversely
         affect the position of any Participant may be made without the written
         consent of that Participant.

14.      GOVERNING LAW

         New Zealand law shall apply to Options and the parties submit to the
         exclusive jurisdiction of the New Zealand Courts.

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