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    Route::get('utfissue', function () {

        $banks = \App\Bank::with('claim.claims')->get();

        $allreferences = $banks->reject(function ($utf) {
            return (iconv("UTF-8", "UTF-8//IGNORE", $utf->label));
        });

        $dumpreference = $allreferences->map(function ($reference) {
            return $reference['claim']['claims'][0]['reference'];
        });

        dd($dumpreference);

    });