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1. Motivation: tensions with SM predictions in b → s, d decays induced by flavour-changing neutral current (FCNC) 2. Heff for b → s, d and the ⟨γl+l−|Heff|B⟩ amplitude 3. Top-quark contribution and B → γ form factors 4. Charm-quark contributions 5. Some interesting observables 6. Conclusions and outlook