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Gaby is a huge fan of Olivia Rodrigo, who just announced the second leg of her world-famous GUTS tour. Eager to snag a ticket, Gaby logs onto Ticketmaster and realizes she doesn't have enough money to afford a ticket! Luckily, Ticketmaster offers Klarna, which is a company that allows you to buy first and pay later in increments. Now Gaby can get the ticket without having all the money necessary. What is the principal type of utility that Klarna offers for Gaby and others?

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