Are you leaving your collection on the table uncollected? Cheer up! You can collect all of those dollars back to your accounts with reliable old AR recovery services. In this article, I have provided a quick guide so can easily stay on top of those accounts on a regular basis. All you need is some […]
Businesses run on reaching their target audience with a relatable vision and mission and desired product or service. For financial companies, this is no different. If the audience isn’t met or the service isn’t of any need, the company will not stand. This is where marketing comes in. Marketing includes all of a company’s activities […]
Mutual funds are always the preferred investment instruments, guaranteeing substantial returns in the long term. There’s no doubt about that. However, SIP mutual funds are market-linked products influenced by the volatility of the investment market. Subsequently, the returns are not guaranteed; the risks are many and diverse. A comprehensive risk profiling of an investor can […]
As the cost of having a family with kids continues to rise sharply, parents simply have no choice but to explore various ways to increase their income and lower their expenses in order to make the ends meet. Some of the changes that need to be implemented are more radical than others, but there is […]
Millennials are very different from prior and subsequent generations. One thing that sets these people born between 1981 and 1996 apart is that they entered the workforce during a great recession. Millennials’ money habits are linked to their perception of the world, which is shaped by an economy struggling with few employment opportunities and a […]
Having a secondary source of income outside of your job can be a highly useful way of building savings and increasing your financial security. However, this is often easier said than done. With full-time work and other responsibilities, few people today have unlimited time to devote to developing a second source of income. What some […]
Cryptocurrency has become a mainstream and well-known way to make money through the online platform. The cryptocurrency space is currently evolving and growing at a high speed with a $300-billion market. Since there is an increasing number of digital coins available, the market value is also increasing pretty quickly. It’s because more and more individuals […]
Money is one of those necessities that we do not list if we are asked to list down our needs and wants. It might not be the first thing that comes to mind if we are asked of our needs but we do need it anyway. Money can be considered as one of the most […]
If you want to invest but you really don’t think that you have the money then you can think again. The best thing about investing is that you don’t actually need a lot of money to get started. On the flip side, you do still need to find a way to pay your bills and […]
With the world becoming smaller through increased travel, there’s never been a better time than now to tap into the growing taxi business market. While some might say that it’s a congested market already, innovative start-ups like Uber and J21 have proven that there’s still plenty of room for players with creative, disruptive and value-adding […]
People earn money differently. For example, some of them own businesses while others seek employment to earn salaries and wages. Earning money from an inherited property is possible as well, as is receiving periodic gifts from a spouse or friend. Interestingly, the way people spend their money matters because it affects everyone around them. It […]
As the ecommerce industry continues to grow, more and more businesses are now exploring new ways for their consumers to access goods and services in the most convenient way possible. Besides offering a wide range of products and making the shopping experience simpler and more hassle-free, it is also important that customers are given different […]
Personal savings and small business loans from financial institutions are the traditional methods small business owners employ to finance a start-up or scale operations. However, access to the right financing will determine the sustainability and growth of SMEs. In addition, start-ups and small businesses face the challenge of getting favorable loan terms with mainstream banking […]
Did you know that financial systems are prime targets for hackers? It’s not surprising that more and more businesses now realize the importance of cyber security for financial services. But what are the actual threats to cyber security in financial sector and how can you handle those? Let’s discover together. Discussing Digital Threats Did you […]
Liquidity, vital for all tradable assets, including cryptocurrencies, impacts the speed and efficiency of buying or selling. Liquid markets allow smooth trading, while illiquid ones can pose challenges for traders. In institutional trading of crypto assets, where large capital is at play, a highly liquid market is crucial. It ensures that investors can execute transactions […]
Cryptocurrency has become one of the most talked-about practices in the past decade. The art of crypto runs on tokens exchanged for actual currency. However, people may use these to buy goods and services, much like any other currency in the world. The entire operation is run through blockchain technology, which is like a virtual […]
Embarking on a journey to establish a new accountancy practice is an exciting endeavor. However, navigating the dynamic landscape of financial management demands strategic choices, particularly in the domain of technology. The right apps can be instrumental in streamlining processes, enhancing productivity, and promoting client satisfaction. In this guide, we will discuss the top five […]
Business valuation services play a pivotal role in the corporate landscape, offering a nuanced understanding of a company’s worth that goes beyond simple financial metrics. Whether it’s for mergers and acquisitions, financial reporting, estate planning, or litigation support, the complexities involved in business valuation require a keen understanding of the unique factors that drive a […]
The link between natural disasters and economic damage has always been widely studied, although modern observations have highlighted the changing nature of this relationship. More specifically, recent reports have suggested that the advent of climate change has driven a significant increase in the intensity (and frequency) of natural disasters, while simultaneously causing more pronounced economic […]
When starting a new business, the field of accounting can seem downright frightening to most. Especially so for startups as they face challenges that make it more difficult to get off on the right foot. Starting our own business will undoubtedly give us a low of challenges and accounting is just one of them. Accounting […]
New York’s personal income tax in 2018 reached 8.82%, which is among the most expensive in the U.S. for that year based on an analysis. While New York only ranked ninth on the list, it was more than enough to push more residents to consider moving into other states such as Florida. The Sunshine State […]
The procure-to-pay (P2P) process outlines the steps a business undertakes, from identifying a need for a particular item or service to completing payment to its supplier. This pivotal procedure influences a company’s operations, vendor relations, and overall fiscal well-being. A streamlined P2P system can enhance efficiency, cut costs, and bolster vendor confidence. Conversely, an unstructured […]
When you own a small business, you have to take care of all tasks, including marketing and customer care. It can be quite a hustle handling technical tasks such as finances. These can easily cannibalize all your time, sparing little to attend to other duties. Luckily, some apps can help take the financial organization load […]
It’s no secret that most business’ cash flow has taken a downturn in the last 12 months. If you own of the 6 million SMEs in the UK and you’re looking at ways to improve your cash flow, we’ve got some tips to help you get back on the road to recovery. What is cash […]
Strategic account planning has the potential to transform the way your business approaches sales, customer relations, and growth strategies. With strategic and effective account planning, your organization can foster long-term customer relationships, unlock new sales opportunities, and achieve business objectives. In this article, we will explore the role of account planning and how it can […]
How to change Bitcoin into cash is a question that must be thoroughly answered for Bitcoin users, particularly newcomers, to have a comprehensive understanding of Bitcoin investing. The reason is that in order to ensure a smooth, rapid, and successful transaction, there are a few details that anyone who wishes to convert Bitcoin to cash […]
A credit report is a detailed breakdown of an individual or a juridical person’s credit history that is normally prepared by the credit bureau agency; it is an important piece of document that provides the complete credit transaction history of a business or an individual. Credit reports make good supporting documentation to determine whether such […]
The mortgage process in the US is the process by which lenders or banks evaluate a borrower’s credibility and risk portfolio to gauge whether any mortgage loan they extend to them will be repaid in full without delays. Lenders and banks use Mortgage Loan Officers to assist potential clients in finding the appropriate financial aid […]
Navigating the venture capital landscape requires more than just financial acumen; it demands a blend of intuition, strategy, and adaptability, especially as we approach 2024. As the startup ecosystem continues to evolve, with disruptive technologies and innovative business models emerging, the rulebook for venture capitalists is being rewritten. For those eager to lead the charge […]
The sharing economy has grown tremendously in the last several years, disrupting many different businesses and giving people new options to make money. As they provide customers with convenient transportation and delivery services, ride-share and delivery drivers in particular have become a crucial component of this sharing economy. To optimize their tax savings and maintain […]
In the quest to safeguard your family’s financial future, the decision to invest in a term insurance plan emerges as a pivotal step. Term plans provide a safety net, guaranteeing the financial security of your loved ones even in your absence. Nevertheless, procuring a term insurance plan is a nuanced process that warrants careful consideration. […]
Human life is one of the most crucial assets, and life insurance is an important key that gives financial protection to a person and his family at the time of uncertain circumstances. The concept of life insurance is very old and deep-rooted. As time changed, so the idea has revolutionized and modified in terms of […]
You’ve got a little nest egg and you’d like to grow it. Investing can give you good results, especially if you’re ready to take a long-term view and build a good portfolio. That means having a clear investment strategy that guides you through the sometimes-stormy waters of global stock markets. To get started, spend time […]
Residential solar is booming in popularity. It helps you both lower your bills and reduce your carbon footprint so what’s not to love? If you’re searching for a way to save even more though, let’s talk about the solar tax credit and see if it makes sense for you. Here’s a few of the questions […]
Bitcoin stands today as the progenitor of an entirely new asset class known as cryptocurrencies. As the first decentralized, peer-to-peer digital currency, Bitcoin blazed trails in financial technology and fundamentally expanded possibilities for transferring value online. Through twists and turns on its over 13-year journey, Bitcoin has inspired legions of supporters, catalyzed the creation of […]
Money can make our lives more comfortable. Many of us work more than two jobs so that we can have more money to save, spend, and invest. But then, only a small number of people can say that they are now set for life financially. Making the right money decisions is the key to financial […]
In the Scandinavian countries, the aim is to go cashless, with more people using credit cards and banking via online platforms, obtaining loans using their mobile devices, which includes text messages or SMS loans. That’s especially true in Norway. Open here for details on guidelines for SMS loans in Scandinavian countries. The government in these […]
Working hard and around the clock will help you grow your business to a certain extent, but there will eventually be a time when you will need more funds to take things up a notch. The lack of funds should not prevent you from reaching your business goals. Whether you are starting a new business, […]
The reason we turn to investment options is that most of us aren’t satisfied with our existing salaries and hence look for solutions that can improve our financial condition gradually. Risk averse investors generally opt for traditional investment options like bank fixed deposits or public provident funds that offer low but fixed interest rate. However, […]
Many investors wonder how best to calculate their profit. Finding the right cryptocurrency calculator that will help you make the right decision when investing in a particular crypto is essential. Different investment models make it possible to evaluate earnings on cryptocurrency and get visible profits and avoid potential losses in the process. How to Calculate […]
Do you ever wish your money could go further? It can seem that all your hard work doesn’t leave you with very much at the end of the day. By the time you’ve paid your bills, put money aside for savings and paying back your credit card -what’s left? If you’re tired of being left […]
Cryptocurrency has become a global phenomenon within the past several years. It is managed and created through advanced encryption procedures known as cryptography. It was introduced as an academic concept but transformed into reality through the creation of Bitcoin. Bitcoin sported a market value of $2 billion, but a 50% plunge sparked a massive debate […]
It is no secret that markets go up and down. Some climates are easy to conduct business in and some are an absolute nightmare. The past decade has been uncommonly profitable for most industries. However, COVID really derailed some businesses that could have potentially positioned themselves better. Business Models and Industries Depending on the type […]
Singapore contributes to achieving a sustainable future by taking strong actions against global challenges like climate change. Singapore has set a goal of attaining net-zero emissions of greenhouse gases by 2050. To show Singapore’s deep commitment to environmental consciousness and sustainability, one can participate in the Green Plan and help it realise its long-term objective […]
Every individual has different materialistic aspirations. Some have short term goals like buying a new car, while others have long term goals like buying a weekend home or going on foreign trips post-retirement. The list of one’s desires (especially monetary) can be never ending, but to fulfil these desires, it is necessary to have financial […]
Litecoin and Bitcoin – these are two different cryptocurrencies. Moreover, Litecoin is considered to be one of Bitcoin’s main competitors. Is there any connection between them? Are they similar and why have those similarities appear? Let us have a closer look at two major cryptocurrencies and check whether it is worth exchanging LTC to BTC […]
No one was prepared for the Coronavirus outbreak and its effect on all industries, including real estate. Now that we have turned one year since the COVID-19 crisis shut down, mortgage rates remain relatively low, but the housing inventory is lowest. With unemployment and increasing housing prices, it can be a tricky market for aspiring […]
The “language of business” is accounting. A licensed professional known as a CPA is able to provide services that a standard accountant cannot. In addition, they may be able to command higher salaries than traditional accountants. Additionally, hiring a CPA can help you organize your business. It is common knowledge that forensic accounting firms are […]
Cryptocurrency has revolutionized the world of finance in ways that were unimaginable a decade ago. For many people, the term cryptocurrency is synonymous with Bitcoin, the pioneering digital currency that opened the doors to a new form of monetary exchange. However, the crypto landscape has evolved significantly, and now thousands of digital currencies are being […]
Customer experience is at the heart of success in the banking industry. The right CRM software allows businesses to better manage customer data, track interactions across multiple departments, streamline processes and interact more efficiently with customers – all while staying within budget. In this blog post, we’ll explore what modern CRM technology has to offer […]
The reasons why people should save are generally known. On this page, you can find a handy guideline on how to be careful with you money. Having some funds on the side is not a luxury but a necessity in these uncertain times. Most people unknowingly refuse to invest their savings. It prevents the risk […]
As a new business owner, developer, and leader, you might feel excited and overwhelmed as you begin to project your business goals. There is a lot to be proud of as an entrepreneur deep-diving into the competitive world of business. Still, if not managed correctly, there is a possibility your company could be affected by […]
How do you know what to believe when you need to fix your credit score? Well, don’t try to fix your credit by opening a bunch of new accounts. The length of your credit history is an important factor in your FICO score, so having a lot of new accounts that have been open for […]
Futures trading means buying and selling contracts. This sounds very simple, but in reality, it is anything but. There is a lot you have to consider, such as fluctuating prices for the assets, and what might cause those fluctuations. There are several different types of futures contracts, from commodities like oil or wheat, or financial, […]
Starting a business can be an exciting and rewarding experience. However, for many entrepreneurs, the high costs associated with getting a business up and running can be a major deterrent. For entrepreneurs looking to decrease their upfront costs, there are numerous methods that can be employed that can help them to maintain low capital costs […]
Pondering about the future of cryptocurrency? You’re not alone. As cryptocurrency continues to revolutionize the financial world, it’s common to wonder what the future holds. Today, we’re taking a giant leap into the future, with price predictions for five crypto tokens that have been making waves in the industry. The experts at CryptoGamepad have hand […]
Finances are one delicate aspect of our lives. Handling finances is a daunting task. Every adult develops the skill to handle money over time. Nonetheless, it does not come easy. You have to be careful enough to know where your money is going to; otherwise, you will end up broke or having a huge burden […]
Are you having difficulties in choosing the perfect bank for your dream startup? First of all, decide what kind of bank account you need, we will focus on the type of bank later. 1. Current account This is the most common bank account used by customers. This account is mainly used for daily withdrawal of […]
CDD and EDD are two important terms used in the world of Anti-Money Laundering (AML) and Know Your Customer (KYC) compliance. While both of these terms refer to customer due diligence, they are different in their approach and level of scrutiny. Customer Due Diligence (CDD) is the process of verifying the identity of a customer […]
Obtaining accepted for a payday advance loan online is fast and easy. Nonetheless, are you knowledgeable about things to learn about payday loans online after you get authorized? For sure, you might have read a lot of things about what a payday advance loan is or just how it functions. However, are you knowledgeable about […]
If you took out a mortgage a few years ago, you’ve probably built a good portion of equity by now. Bearing in mind that real estate prices in that period were significantly lower than today, your property is probably worth a lot. This information is of great benefit to those considering refinancing. Let’s be honest, […]
Savings bonds have been a staple of the investment world for over half a century. While they are more prevalent in certain countries than others, the idea is to gain a steady stream of investment income by using your own money to buy a bond backed by the government. The whole premise is that you […]
While checks may seem like an outdated method of payment for many of us, the truth is that checks are still vital for both businesses and individuals alike. And despite advanced check security features and processes, such as specialized business check writing software, there still exists the potential for fraud. Check fraud can put both […]
Cryptocurrencies have been around for a while now, yet it seems that the modern business sector still hasn’t adopted cryptos in the way that many experts have been predicting over the years. While global adoption is still a few years away, though, there is no denying that the early adopters of cryptocurrencies have a lot […]
Times are changing, with millennials driving a paradigm based on enduring values and sustainability. Entrepreneurs are solving world problems while maximizing their profits. These entrepreneurs consider their business responsibilities beyond their employees, customers, community, and environment. The growth of B Corps is an example of organizational forms birthed from the paradigm, as investors, employees, and […]
The majority of people go through their lives carrying debt. The average American has over $25 thousand racked up giving them huge monthly payments. Having debt has become the norm, which is not a good situation. So, what is the solution to this? Ideally, debt is not a death-end situation. Fortunately, an aspiring homeowner can […]
Are you tired of using outdated trading platforms that limit your ability to capitalize on the dynamic and ever-changing forex market? If so, consider using MetaTrader 5, a powerful trading platform offering cutting-edge features and tools to help you stay ahead of the curve. In this article, you’ll explore some of the critical advantages of […]
Auto title loans can be a great resource to utilize if you need quick funds for an emergency; they can be simple to qualify for and even easier to repay! Car title loans are traditionally short-term but can offer longer loan terms if needed. However, no matter your loan term, you probably want to pay […]
When running your own business, you’re likely to come up against challenges that may have an impact on the growth of your brand, one of the main issues being finding sufficient capital to make this happen. This is where loans for small businesses come in. They can be used to help give you the boost […]
Managing short-term loan debt can be a challenging task, but with the right budgeting and repayment strategies, it is possible to pay off your short-term loans and regain control of your finances. If you have short-term loan debt, high interest rates can leave you sweating, and you may struggle to know how to begin paying […]
Accountants and tax consultants always try to find the most appropriate accounting software that satisfies all their business needs. The accounting software must be user-friendly and affordable at the same time. Accounting software helps the tax consultants and other business officials in keeping the data organized with relevant information. Opting the best accounting software for […]
If you were a little worried to see the word “inquiry” on your report, rest assured that is nothing that would damage your credit standing in any way. However, everyone is interested in finding out what hard vs soft inquiries mean. In both cases, inquiries do become a part of your credit report. Although they […]
To maximize your company’s profits, you have to be deeply aware of its finances. However, it’s difficult to stay consistently vigilant. Keeping track of every expense and source of income can quickly get overwhelming—you’re not an omniscient deity (at least, we don’t think you are). Owning a small business requires you to wear many hats […]
Recession is an economic term that’s buzzing. It started after the pandemic waves slowed down during the last year and seems to be here to stay . No matter where in the world you live, chances are that you’ve noticed that the costs of goods and services have gone up — one of the sure […]
Preparing for the CPA exam is one of the biggest commitments in the long and rewarding journey to becoming a licensed accountant. Licensed accountants have a large amount of responsibility, and so to reflect this, the CPA exam has been designed to ensure that only qualified professionals receive licensure. However, there are a variety of […]
SMSF stands for Self-managed super-fund. It simply refers to a superannuation fund where you take personal and more direct control of how your retirement money is invested. This kind of arrangement can only have a maximum of four members as trustees. In Australia, a compulsory superannuation scheme has existed since 1991. However, the SMSF has […]
While most cryptocurrency investors still just buy and hold a coin, many are looking for ways to make their coins work harder for them. After-all if cryptocurrency is supposed to be our new money or an investment what’s the use in money that doesn’t work for you? Many people opt to go with trading to […]
With several investment options in the market, silver has its place. There are multiple reasons why people are willingly investing in metal compared to other assets. It provides a decent return on investment. Moreover, silver, unlike other assets, is not overvalued. Although it is a volatile asset, you can always rely upon silver in times […]
Everyone can create their own future regardless of where they are now. If you are dissatisfied with how things are going in your life, it might be time to focus on improving a few things to better your future. You can have a safe future by applying some simple steps and adjustments to your everyday […]
These days, most Americans rely on some form of credit to finance big purchases, deal with emergencies, go to school, and more. For those with good credit scores, the process is simple. They just head to their banks to fill out a loan application or respond to a credit card offer. Not everyone has excellent […]
Do you want to secure a loan or mortgage? Are you looking for a better way to get your hands on the resources you need but with less hassle? If so, the DSCR program may be just what you’ve been looking for. This article is an excellent guide to DSCR loan program, including a look […]
Mutual funds are categorized in accordance with their unique characteristics like investment objective/strategy, fund size, risk profile, asset allocation, etc. These are professionally managed funds that invest in marketable securities across various assets like debt, equity, treasury bills, corporate bonds, etc. A lot of people confuse mutual funds with its subcategory that is equity mutual […]
The current health crisis has put the survival of many people all over the world in jeopardy. The risk isn’t confined to your physical well-being but extends to your financial and economic well-being, too. According to a recent survey, in the United States alone, as many as 7.5 million small businesses all over the country […]
People seem to have been discussing how to “de-risk” cryptocurrencies to a certain extent, especially those related to traditional financial institutions. Can the problem be solved if the tax structure is adjusted? Although many traditional financial companies do not prioritize encryption, they are adjacent to encryption to some extent. In the case of Visa, they […]
Being an accountant is a job with many advantages. Profiles that are always in high demand in job ads and offers, accounting-related positions have the advantage of being progressive functions that open up many prospects for advancement. Becoming an accountant is thus a common desire for many people. Let’s take a look at the curriculum […]
Crypto tax software has grown to be an essential business tool for both large and small businesses. It has quickly become one of the most popular solutions for crypto taxes and digital currency tax implications. This article will talk about how to use crypto tax software as a serious business tool. We will discuss the […]
Buying a home is still considered a worthwhile goal. However, as conditions change, that objective becomes less achievable for many families. However, there are solid strategies anyone can use to increase their odds of qualifying to purchase a home today. Here are a few concrete ways to put your dream home within reach. Review Your […]
Generally, the world’s population can be divided into two categories: people who are content with whatever they have, and the ones who are always dreaming of getting ahead. The second group of people is a highly-motivated lot that is always striving to achieve the objective of a better life for themselves and their loved ones. […]
Have you ever wondered if a broker is an ideal choice or not? Why are some brokerage companies different from others, considered better and of higher quality? Whether you have just stepped into the professional world of trading or already have relevant experience in this activity, you must have heard that one of the most […]
The main components of a broker’s work are trading automation, liquidity management and risk management. The Liquidity Aggregation Center (Hub) is a software package that the broker can use to solve these tasks. How to increase a broker’s profitability using an aggregator Let’s look at two main methods: Through commission on turnover and markup: the […]
An entrepreneur may choose to sell their business for many reasons. They may be ready to retire and move on to a new chapter of life. At times, their spouse is relocating for their job and the owner wants to go with them. Other people find the business is no longer a challenge and they […]
Financial fraud comes in many shapes and sizes. While some types of fraud are more common than others, all can be costly-both financially and emotionally. The good news is that there are steps you can take to protect yourself. Here are four types of financial fraud and what you can do to avoid them. 1. […]
If you have many items to get rid of, a liquidation sale is an excellent way to recover a portion of your initial investment. In addition, a liquidation sale empowers you to make as much cash as possible within a short period of time. Typically, liquidation sales occur over several weeks, with discounts increasing daily. […]
How much is the UK and the rest of the world really investing in renewable energy? Climate change campaigners, organisations and scientists argue that there is still more work to be done and that the need for coordinated action is greater than ever, as global warming remains on the international agenda. Investment in the renewable […]
In order to qualify for a mortgage, most financial institutions will use your credit score in order to determine if you qualify for a mortgage or not. That way, people with bad credit usually fail to qualify for a mortgage from mainstream financial institutions. They get help from Mortgage Brokers and other institutions that specifically […]
With inflation and increased demand for a more materialistic and opulent lifestyle, taking out loans has become absolutely important in the fast-changing world of today. Getting loans relieves the strain on your finances, whether you need them for a house, a car, or simply a cell phone. However, obtaining a loan necessitates thorough background research. […]
There are plenty of ways on how to manage finances and increase the profitability of the business. Still, lots of companies confirm that using business financial software is the best option. It helps them gather all the relevant information and cooperate with employees. Plus, it also makes most manual business processes automated. But how to […]
Many shrewd financial traders have been making millions through binary options. These short term investment tools allow people to reap big benefits by putting money in to options at the most opportune time. Also known as all or nothing, digital and fixed returns, binary options have become pretty popular globally as a means of investment. […]
While most investors are allowed to put their money on assets regulated by the Securities and Exchange Commission (SEC), a few can go beyond this. Owing to their solid financial status or professional certifications, some investors gain premium access to investment opportunities that are not open to others. Such investors are referred to as accredited […]
Fintech is a dynamically developing industry that includes elements of the financial services industries (banks) and modern technologies. Everyone is introducing new technologies, banking as a service, with all the innovations and the introduction of cryptocurrency into circulation, has ceased to be traditional. In the Fintech market, tech start-ups and emerging companies are innovating on […]
Economic uncertainty affects everyone starting from those at the top up to those in the bottom. Businesses worry about the uncertainty of the future and end up having to let go of workers. The loss of income force employers to reduce spending, which in turn cause businesses to lose even more revenue. To prevent this […]
If you’ve been following my blog, you know that I’m a strong believer in the importance of saving money. That’s why it’s no surprise that one of the first pieces of advice I ever gave was to open a savings account. But if you aren’t convinced that savings accounts are worth your time or effort, […]