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The website states the following, "Is music meant only for those who has talent? Music is a type of art and as we know, it takes some talent to be an artist." I analyzed that the web site also said " So does that mean music is meant only for talented people and others should not sing or play an instrument or take out a loan that in Finland is called pikalaina." They also stated " Or maybe talent is just an extra benefit? Lets evaluate talents impact on musical ability. So basically it depends on how we understand what is musical talent? Thnx to pikavippi ilman luottotietoja."