Starting a Business in Massachusetts – A Comprehensive Guide

How to Start a Business in Massachusetts

Starting a business in Massachusetts is an enticing prospect. This vibrant state holds many opportunities for entrepreneurs, especially those who can implement a unique business idea to work on. Known for its robust economy, dynamic industries, and academic excellence, Massachusetts offers an ideal backdrop for your business to thrive and flourish. However, navigating the process can be a complex task, especially for those new to entrepreneurship.

The venture of starting a business goes beyond just a solid business idea. It requires understanding local regulations, market dynamics, financial management, etc. With its unique blend of opportunities and challenges, this state may appear overwhelming to a beginner. That’s where this blog comes in. It’s designed to guide you through the crucial steps to start a business in Massachusetts.

This article provides a comprehensive guide, from breaking down the business registration process to understanding local taxation rules. We aim to help you successfully maneuver through the complexities of business setup, enabling you to focus more on what matters most – turning your business idea into reality.

Top Two Benefits of Starting a Business in Massachusetts:

  1. Access to Skilled Workers: Massachusetts has many well-known universities like Harvard and MIT. This means many educated and skilled people in the state can work for your business.
  2. Center for Technology and Innovation: Massachusetts is known for its strong technology sector. It’s an excellent place for new businesses, especially in tech and healthcare.

Top Two Challenges When Starting a Business in Massachusetts:

  1. High Living Costs: Living in Massachusetts, especially in areas like Boston, can be expensive. This can also make running a business costly because rent and salaries may be higher.
  2. Lots of Rules: Massachusetts has many regulations for businesses. Understanding and following all these rules can be hard for new business owners.

Regulatory Factors and Taxes in Massachusetts

Starting a business in Massachusetts involves navigating a variety of regulatory factors and understanding the tax structure is key among them. Massachusetts imposes a corporate income tax for businesses, the rate of which is 8% as of the most recent data. This flat rate applies to all corporations, making it essential for entrepreneurs to factor this into their financial planning.

Another tax is the state sales tax, set at 6.25%. This tax applies to most retail sales of tangible personal property. Businesses involved in retail need to be aware of this and incorporate it into their pricing strategies.

In addition to the corporate income tax and sales tax, businesses in Massachusetts might also be subject to unemployment insurance tax. This variable tax depends on the number of employees and the history of unemployment claims within the company. There is also a state payroll tax, which includes withholding for state income tax purposes.

Moreover, Massachusetts levies a tangible personal property tax on business-owned personal property, such as machinery, equipment, and fixtures. The rate for this tax varies by municipality, so business owners need to check the local rate in their specific location.

Knowing and understanding these taxes is crucial for anyone starting a business in Massachusetts. Factoring in these costs from the outset can help your business’s budgeting, pricing, and overall financial planning. It’s also wise to consult with a tax professional or attorney to ensure you are fully aware of all state tax liabilities and regulatory requirements.

How do I Choose a Business Structure?

There are five primary types of businesses. Each type of business entity is described below.

Sole Proprietorship

A business owned and operated by one individual with no legal distinction between the business and the owner. The owner is personally responsible for all debts and liabilities of the business. Most small business owners in Massachusetts use this business type.

Limited Liability Company (LLC)

A flexible business organization that combines the liability protection of a corporation with the tax benefits and simplicity of a partnership. Owners of an LLC are called members, and their assets are typically protected from the debts and liabilities of the business. You have the flexibility to define many aspects of how your business will work in your Articles of Organization.

S-Corporations

A type of corporation allows for pass-through taxation, meaning that profits and losses are passed through to the shareholders and reported on their tax returns. S-Corporations are limited to 100 shareholders and must meet specific eligibility requirements. An S-Corp can be particularly advantageous if the founders or investors have other income. If the business doesn’t generate a profit in any year, the shareholders can use the losses from a tax perspective.

C-Corporations

A separate legal entity from its owners (shareholders) means that the corporation can enter into contracts, own assets, and sue or be sued. C-Corporations are subject to double taxation, meaning that the corporation and the shareholders are taxed on profits.

A Note About S-Corps and C-Corps

For both S-Corporations and C-Corporations, your business formation documents will include Articles of Incorporation, sometimes called a Corporate Charter. The specific requirements and format of Articles of Incorporation can vary by jurisdiction. It is advisable to consult with a business attorney or online legal service such as Legal Zoom to ensure compliance with local laws and regulations when drafting and filing these documents.

Limited Liability Partnership (LLP)

A partnership that limits the personal liability of its partners. LLPs are typically used by professional service providers such as lawyers, accountants, and architects. Each partner is protected from the other partners’ wrongful acts, omissions, and negligence, but they may still be personally liable for their actions.

Distribution of Businesses

Business Type Percent of Businesses in Massachusetts
Sole Proprietorship 40-45%
Limited Liability Company (LLC) 30-35%
S-Corporation 8%
C-Corporation 5%
Limited Liability Partnership (LLP) 2%

The business percentages may change every year depending on their industry and location. It’s important to note that the data also includes businesses registered in other states but operating within Massachusetts.

What is an Employer Identification Number – EIN?

Definition of an EIN or Employer Identification Number

An Employer Identification Number, or EIN, is a nine-digit number the IRS assigns to businesses for identification purposes. Like a Social Security number for individuals, this unique identifier helps the IRS track a business’s tax reporting. It’s also called a Federal Tax Identification Number or a Federal Employer Identification Number.

Do I Need One to Start a Business in Massachusetts?

If you plan to start a business in Massachusetts, you will likely require an EIN. This number becomes necessary when establishing a business entity, recruiting employees, applying for business licenses, or setting up a business bank account.

How Do I Get One?

The IRS has made the process of obtaining an EIN straightforward and quick. You can apply directly on the IRS website or mail or fax Form SS-4 to the IRS. The online application provides you with the EIN immediately upon completion. If you require additional assistance or need further information, you can call the IRS at 1-800-829-4933 or visit their website at https://www.irs.gov/businesses/small-businesses-self-employed/employer-id-numbers.

How to Start a Business in Massachusetts – Important Registrations

Registering My Business Name

The first step in establishing a business in Massachusetts is registering your business name. You can do this by contacting the Secretary of the Commonwealth’s office at (617) 727-9640, visiting their website at https://www.sec.state.ma.us/, or contacting 800-392-6090.

Registering a DBA (Doing Business As) If Relevant

If your business operates under a name different from its registered name, you must register a DBA, or “Doing Business As,” with the Secretary of the Commonwealth’s office. Massachusetts has 14 counties, each with local government services and regulations.

You can find a comprehensive directory of Massachusetts’s local governments on this website: https://www.mass.gov/. It provides contact information for each county, helping businesses navigate local rules or requirements.

Registering for Payroll, State Payroll Taxes, and Unemployment Insurance

In Massachusetts, you set up an account with the Department of Revenue for payroll taxes and unemployment insurance. Their website is https://www.mass.gov/orgs/massachusetts-department-of-revenue, or you can contact them at (617) 887-6367.

Registering for Worker’s Compensation Insurance

Businesses in Massachusetts also need to secure worker’s compensation insurance, which can be obtained from a licensed insurance provider. If your company employs a payroll service, they may facilitate worker’s comp.

Registering for Collecting Sales Tax

Businesses in Massachusetts must register to collect sales tax. This can be done on the Massachusetts Department of Revenue’s website: https://www.mass.gov/orgs/massachusetts-department-of-revenue.

Registering for Income Tax

Businesses should register for corporate state income tax through the Massachusetts Department of Revenue. You can contact them at (617) 887-6367 or visit their website https://www.mass.gov/orgs/massachusetts-department-of-revenue

Registering to Pay Property Tax

If your business has to pay property tax in Massachusetts, you should contact your local city or town’s assessor’s office. For more information, visit the Massachusetts Department of Revenue website: https://www.mass.gov/orgs/massachusetts-department-of-revenue.

Permits for Starting a Business in Massachusetts

Do I Need a Business Permit to Operate a Business in Massachusetts?

At the State Level: Certain businesses may require state permits or licenses to operate legally in Massachusetts. These can vary widely depending on the type of business and its specific activities. You can find more information about state licenses and permits on the Massachusetts government’s official website https://www.mass.gov/ or contact the Massachusetts Executive Office for Administration and Finance at (617) 727-2040.

Check With Your City: Each city in Massachusetts may have specific business permits and license requirements. You can find this information on your city’s official website or by contacting your city clerk’s office. For instance, if you’re starting your business in Boston, refer to the city’s official website at https://www.boston.gov/departments/small-business-development or contact the Boston City Hall at 617-635-4500.

Check With Your Country: At the federal level, certain permits and licenses are required for specific types of businesses. For example, companies that deal with alcohol, firearms, commercial fishing, wildlife, and others need federal permits. You can get information about these from the U.S. Small Business Administration (SBA) at https://www.sba.gov or contact them at 1-800-827-5722. Additionally, you can check the IRS’s official website at https://www.irs.gov for tax-related inquiries.

Check With Your County: Each county in Massachusetts may have its specific business permit and license requirements. You should check with your local county clerk’s office for more information. For example, if your business is in Suffolk County, you can visit their official website at https://www.suffolkcountyny.gov or 631-853-4000.

How do I learn about any special permits I need for my business?

Learning about any special permits required for your business in Massachusetts is crucial. Start by understanding your business’s nature and the industry it falls under. Many professional services, such as those provided by health practitioners, architects, engineers, and many others, may require professional licenses.

Additionally, you will likely need a sales tax permit if your business involves selling goods. Companies that involve food, either selling or preparing it, often need health and safety permits. Some activities may also require environmental permits.

Resources are available to help you identify the licenses or permits your business might need. The Massachusetts government website has a section dedicated to business permits and regulations. The U.S. Small Business Administration (SBA) also provides a guide on federal licenses and permits. It is always a good idea to consult with a business advisor or attorney to ensure you have all the necessary permits and licenses before starting your business.

Financing Options for Entrepreneurs in Massachusetts

When starting or growing a business in Massachusetts, entrepreneurs must establish the best financing strategy for their venture. Numerous funding options exist beyond personal savings or credit cards, including federal and local resources.

Financing a New Business

When launching a new business, it’s crucial to identify the most appropriate funding method. This might seem challenging, but it’s important to your business’s growth and success. Consider options like loans, grants, or seeking investments from venture capitalists or angel investors. Thorough research and planning can help you find the financial resources that align best with your business goals.

SBA Loans and Microloans

When launching a new business, it’s crucial to identify the most appropriate funding method. This might seem challenging, but it’s important to your business’s growth and success. Consider options like loans, grants, or seeking Small Business Administration (SBA) offers various loan programs designed to support the development of small businesses, including microloans. Microloans are smaller, short-term loans that provide immediate access to funds for small businesses.

In Massachusetts, several organizations function as intermediaries for SBA microloans, providing essential capital to eligible businesses. These organizations also frequently offer additional services like business mentoring and training to support new business ventures and investments from venture capitalists or angel investors. Thorough research and planning can help you find the financial resources that align best with your business goals.

SBA Microlenders in Massachusetts

Common Capital Inc.

Christopher Sikes

1780 Main St.Springfield, MA 1105

Phone:(413)-233-1680

Email: kgaughan@common-capital.org

Website:https://commoncapitalma.org/

Community Teamwork, Inc.

Karen Frederick

155 Merrimack Street

Lowell, MA, 1852

Phone:(978)-459-0551

Website:http://comteam.org

Dorchester Bay Neighborhood Loan Fund

Dan DeSantis

594 Columbia Road, Suite 302

Dorchester, MA 2125

Phone:(617)-825-4200

Email: jmcsherry@dbedc.org

Massachusetts Growth Capital Corporation

Lawrence Andrews

529 Main Street, Suite 201

Charlestown, MA 2129

Phone:(617)-523-6262

Email: mgcc@massgcc.com

https://www.empoweringsmallbusiness.org/

Jobs for Fall River Inc.

Janet Misturado

139 South Main Street, Suite 400

Fall River, MA, 2722

Phone:(508)-324-2620

Email: steve@bristolcountyedc.com

New Bedford Economic Development Council, Inc

Deborah Trombly

1213 Purchase Street, 2nd Floor

New Bedford, MA 2740

Phone:(508)-991-3122

Email: info@nbedc.org

Website: https://nbedc.org/

South Eastern Economic Development Corp/SEED

Anne Rounds

80 Dean Street

Taunton, MA 2780

Phone:(508)-822-1020

Website: http://www.seedcorp.com

State and Local Grants and Incentives

Massachusetts’s state and local grants and incentives can help small businesses begin or expand their operations. Here are a few:

  1. The Massachusetts Growth Capital Corporation (MGCC) provides various resources to help companies in Massachusetts, including loans, managerial assistance, and financial training.
  2. The MassVentures START program provides capital to growing Massachusetts-based companies that have received Small Business Innovation Research (SBIR) Phase II funds. Their goal is to support businesses that are working towards commercializing their technologies. Visit their website at https://www.mass-ventures.com/ for more details.

Angel Investor Groups

Angel investors and venture capitalists play a significant role in the business ecosystem, particularly during the startup and growth phases. They offer financial backing that can be crucial to a company’s path, bringing their expertise and network into play. These two types of investors are worth considering.

Angel investors are often high-net-worth individuals who financially support early-stage businesses or startups. They are frequently entrepreneurs themselves or successful businesspeople who want to invest in the next generation of enterprises. These individuals typically offer capital in exchange for equity ownership or convertible debt.

In contrast, venture capitalists (VCs) manage funds invested by various sources such as pension funds, foundations, and individuals. Unlike angel investors, VCs usually invest during the later stages of a company’s development when there’s more evidence of concept viability, existing customers, and significant growth potential. As a result, venture capital firms can offer more significant amounts of funding. In return, they expect a substantial return on their investment, often through an exit strategy such as the sale of the company or an initial public offering (IPO).

Massachusetts has numerous active angel investor groups and venture capitalist firms. These groups and firms are pivotal for startups looking for early-stage funding or growing companies looking for larger-scale investment. Some notable groups include Launchpad Venture Group and Golden Seeds for angel investors and firms like General Catalyst, Battery Ventures, and Bessemer Venture Partners for venture capital.

Understanding all the financing options available is crucial to your business’s successful growth and development in Massachusetts. By considering all the resources available, from federal and local loans and grants to angel investors and venture capital, you can secure the funding you need to make your business dreams a reality.

Benefits of a Well-Structured Business Plan

The benefits of a well-structured business plan in Massachusetts can’t be overstated. Having a business plan is more than just a helpful guide, and it’s a powerful tool that allows you to map out the future direction of your company. It helps you identify your business goals, their methods, and the time frame you plan to realize them. In addition, it provides clarity about your market, your pricing, your marketing, and your competition. With a solid business plan, you can better anticipate potential challenges and devise strategies to handle them.

A comprehensive business plan can also demonstrate your readiness and commitment to potential investors and lenders. It illustrates your understanding of your industry and the local Massachusetts market. Investors want to see that you’re serious about your venture, that you’ve done your research, and that you’re prepared to work hard to ensure your business’s success. A strong business plan can instill confidence in these potential partners, making them more likely to invest their time, resources, and funding into your enterprise.

Meeting Lender and Investor Expectations

Switching gears to meeting lender and investor expectations, it is crucial to understand that lenders and investors in Massachusetts will want to see a clear plan for your business and evidence of your capability to execute that plan. They’ll expect to see realistic financial projections, a solid understanding of the market, and a comprehensive marketing strategy. They want to know a business owner who has a clear vision and a feasible plan to achieve that vision.

Preparing to meet these expectations can make the difference between securing funding and being left out in the cold. Always remember that investors and lenders are looking for businesses that will provide a return on their investment. Show them how your business will do this, and you’ll be well on securing the funding you need.

In summary, whether planning your business or seeking funding in Massachusetts, remember that thorough preparation and research are essential. A well-structured business plan can provide the roadmap to success while meeting lender and investor expectations, which will help you secure the funding to make your business vision a reality.

Where Can I Find a Mentor to Help Me Succeed?

In Massachusetts, mentorship can be critical in helping business owners succeed. Mentors with ample experience can offer valuable advice, industry insights, and strategies customized to the Massachusetts business landscape.

Massachusetts offers an extensive network of organizations and resources dedicated to encouraging the success of its entrepreneurs. Here are some options worth considering:

  1. Massachusetts SCORE : This group is associated with the U.S. Small Business Administration (SBA). It provides free business mentoring services, affordable workshops, and various tools and resources to support businesses at every stage.
    Contact Info:
    Phone: (617) 565-5591
    Website: https://www.score.org/sema
  2. Massachusetts Small Business Development Center Network (MSBDC): The MSBDC provides various services, including assistance with business plan creation, financial analysis, and more.
    Contact Info:
    Phone: (413) 545-6301
    Website:
    https://www.msbdc.org/
  3. Center for Women & Enterprise: This organization supports women entrepreneurs through business development training, personalized counseling, networking opportunities, and more.
    Contact Info:
    Phone: (617) 536-0700
    Website:
    https://cweonline.org/
  4. MassChallenge: MassChallenge is a global network that accelerates high-potential startups. This Boston-based organization offers resources, mentorship, and funding opportunities for entrepreneurs.
    Contact Info:
    Phone: (617) 336-3900
    Website:
    https://masschallenge.org/
  5. EforAll: EforAll offers a unique mentorship-driven business accelerator program to foster entrepreneurial growth across Massachusetts.
    Contact Info:
    Phone: (833) 336-7255
    Website:
    https://eforall.org/

The Economy of Massachusetts

Massachusetts is a dynamic ecosystem, and understanding the economy can provide entrepreneurs with a competitive edge. Here’s a snapshot of the state’s economy:

Economic Overview

Average Household Income

The median household income in Massachusetts is $89,026. It’s worth noting that this is substantially higher than the national average, signifying a relatively high standard of living in the state. This could result in higher disposable income, leading to increased consumer spending – a potential advantage for businesses targeting the local market.

Average Level of Education

Massachusetts is recognized for its highly educated population. About 91.10% of adults aged 25 and over in the state have at least a high school diploma. Roughly 43.4% of adults in Massachusetts held a bachelor’s degree or higher. This is one of the highest rates in the nation, demonstrating the state’s commitment to education and intellectual advancement. A more educated population may demand a broader range of products and services, especially those that cater to niche interests or higher quality standards. Moreover, businesses looking to hire skilled employees will find many potential candidates in the state.

Consumer Spending per Capita

Massachusetts’s per capita personal consumption expenditures (PCE) is approximately $58,532. This figure represents the average amount spent per person on consumer goods and services in a year. This relatively high figure and the state’s sizable population signify a potentially large business market. It also suggests a strong consumer culture and a willingness to spend on various goods and services.

Top Industries in Massachusetts:

Massachusetts is renowned for its diversified economy, with several key industries contributing significantly to its growth and development. One of these industries is the Technology sector. The state is a hub for high-tech manufacturing, computer and electronic products, and software services. According to CompTIA, with tech jobs accounting for about 10% of the state’s workforce, Massachusetts ranks in the top ten states for technology employment.

Another pivotal sector in Massachusetts is the Life Sciences industry. This sector, which includes biotechnology, pharmaceuticals, medical devices, and clinical research, has a significant presence in the state. The Massachusetts Biotechnology Council (MassBio) reports over 74,000 jobs in the life sciences industry in the state, with an average wage of around $149,000, significantly above the state’s median income.

Higher Education and Healthcare are also cornerstone industries in Massachusetts. These sectors are home to prestigious universities like Harvard, MIT and several world-class hospitals and represent a large chunk of the state’s employment and revenue generation. Boston, the state’s capital, is often called the “education capital of the world,” with students from all over the globe coming to study. The healthcare industry employs over half a million people in the state, according to the Massachusetts Health & Hospital Association.

The Financial Services sector, including insurance and real estate, is another key component of the Massachusetts economy. The state hosts several large insurance companies and is recognized as a global leader in asset management. Boston is considered a significant financial hub, with many major banks and financial institutions having a substantial presence in the city.

Several emerging industries are poised to shape the future of business in Massachusetts. The Renewable Energy sector, especially offshore wind energy, is rapidly growing. The state has set ambitious renewable energy targets, creating numerous opportunities for businesses in this sector. The state is also seeing growth in the Digital Health sector, leveraging its strengths in healthcare and technology to develop innovative solutions to health challenges.

Massachusetts’ blend of established industries and emerging sectors provides a robust foundation for business growth and offers diverse opportunities for entrepreneurs. With its strong economy, highly skilled workforce, and innovative spirit, the state’s future business outlook remains positive.

Making Connections to Grow Your Business in Massachusetts

  1. Identify Complementary Businesses: Developing relationships with complementary businesses can significantly contribute to your business success in Massachusetts. These businesses offer products or services that go hand in hand with what your company offers without being in direct competition. For instance, a local jewelry maker could be a complementary business if you own a boutique. Promoting each other’s offerings can reach a wider audience and boost sales. Moreover, it opens the door to collaborative initiatives like joint marketing campaigns or events, shared customer loyalty programs, or package deals, which can enhance customer value and satisfaction.
  2. Leverage Workforce Talent: Massachusetts has a highly educated workforce, which is a significant asset for businesses in the state. The presence of top-ranking universities and colleges such as Harvard and MIT means a steady influx of skilled and educated potential employees in diverse fields. By leveraging this talent, businesses can drive innovation, improve productivity, and gain a competitive edge. This could involve offering internships, engaging in on-campus recruitment, or providing continuous learning and development opportunities to attract and retain the best talent. Moreover, a diverse and inclusive hiring strategy can lead to a more varied range of perspectives and ideas, fostering creativity and innovation.
  3. Collaborate with Industry Leaders: Collaborating with industry leaders can offer numerous benefits, such as gaining insights into best practices, accessing new markets, and enhancing your business credibility. Whether through partnerships, joint ventures, or merely networking, these interactions can provide valuable learning opportunities and potentially lead to strategic alliances. In Massachusetts, there are numerous industry-specific associations and organizations where such connections can be made. For instance, the Massachusetts Biotechnology Council provides networking events, resources, and information beneficial to those in the biotech and pharmaceutical industries. Similarly, the Massachusetts High Technology Council offers resources and policy advocacy for the tech sector.

Workforce and Talent

Understanding the workforce dynamics in Massachusetts is essential to business planning and development in the state. This knowledge can provide critical insights into recruiting strategies and potential areas for business growth.

Unemployment Rate

Massachusetts has a relatively low unemployment rate of 6.0%, reflecting a healthy job market. This rate indicates the pool of available labor for businesses. Given the robust job market, businesses may need to provide competitive wages and benefits to attract and retain talent.

Minimum Wage

In Massachusetts, the minimum wage is $15. This figure is higher than the federal minimum wage and is essential to consider when developing your business’s financial model and determining employee wage structures.

Average Age and Demographics

Massachusetts has a diverse population with a median age of approximately 39.6 years, suggesting a mix of young, mid-career, and experienced professionals in the workforce. Understanding the state’s demographic breakdown is essential when tailoring products or services to meet specific consumer needs and considering your hiring strategy.

Breakdown of People with Various Levels of Education

Regarding educational attainment among Massachusetts residents aged 25 and above, the breakdown is as follows:

  1. 43.4% hold a bachelor’s degree or higher.
  2. 91.10% have a high school diploma or equivalent.
  • 4.5% have no high school diploma.

These figures highlight the highly educated nature of Massachusetts’ workforce, a significant advantage for businesses requiring skilled labor or specialized knowledge. This high level of educational attainment can inform your hiring decisions and guide your workforce development strategies in Massachusetts. It also suggests a strong potential for businesses that offer advanced or specialized services, given the highly educated consumer base in the state.

Top Areas of Skilled Workers for Residents of Massachusetts

Massachusetts has a diverse, highly educated population and a significant pool of skilled workers in various fields. These skilled workers are distributed across several key sectors in the state, offering many opportunities to businesses needing specialized talent.

The tech sector is a prominent field in Massachusetts, hosting an array of skilled workers from software developers and data analysts to cybersecurity experts. The state is renowned for its technology scene, partly due to the presence of prestigious institutions like MIT and Harvard. Businesses needing technical expertise will find a large pool of talent versed in cutting-edge technologies and practices.

Healthcare is another significant sector in Massachusetts, given the presence of globally renowned hospitals and research institutions. Medical professionals, including doctors, nurses, and biomedical researchers, are abundant in the state. Businesses in the healthcare sector or those requiring healthcare expertise can tap into this talent pool for their staffing needs. Furthermore, the industry’s growth presents ample job opportunities for individuals trained in health-related fields.

Finally, Massachusetts is also known for its strong financial sector, particularly in Boston, known for its bustling financial district. The state hosts many skilled workers in various finance-related roles, from financial analysts and consultants to investment bankers. This concentration of financial expertise can benefit businesses needing financial planning and management services, investment advice, or fundraising efforts.

In summary, Massachusetts boasts a robust pool of skilled workers across diverse sectors, providing a breadth of opportunities for businesses in search of talent and individuals seeking career opportunities in these flourishing fields.

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