Bsg financial ratios table jobs
I'm seeking a skilled developer to create a web-based calculator to help clients understand their potential savings by overpaying on their mortgage. This project involves: - Developing a calculator with an algorithm that takes into account: loan term, current monthly payment,...involves: - Developing a calculator with an algorithm that takes into account: loan term, current monthly payment, overpayment amount, and estimated savings. - Ensuring user-friendliness and simplicity in design. - Providing the results in a concise text output format. A proficient understanding of both backend and frontend web development is required, with experience in mathematical projects or financial tools as a advantage. Expertise in JavaScript or relevant languages is also a must for calculator...
I'm in need of a proficient developer who can create and implement a Power Automate flow...developer who can create and implement a Power Automate flow. The purpose of this flow is to copy rows from Table A and migrate them over to Table B, all within our data verse. The condition for the migration is dictated by a specific value in a column; more specifically, in the "Test Status" column. If a row in Table A possesses "Test Status" in the specified column, then it should be copied over to Table B. Required Skills: - Power Automate proficiency - Experience with data verse - Attention to detail, as accurate copying is essential Please note, the rows in question are not to be deleted from Table A after copying. They should rema...
On the lookout for an expert in Microsoft Word, I have a new project that needs custom template creation. This Word template is primarily designed for report-drafting purposes. The features should include a professional touch to show the seriousness of the report. Key Features: - Incorporate a header and footer; this will provide consistency throughout the document. - Develop a table of contents; this would help in better navigation of the reports. - Styling options; provide a variety of styles to choose from, for each report can convey different messages. Color Scheme: - The color scheme of the template should primarily revolve around different shades of blue. Must-Haves: - Advanced understanding of Microsoft Office Suite, particularly in Word. - Strong sense of design and color...
...result. - The work needs to "live" in only two places - the reference table worksheet, and the worksheet doing the calculations. Because of how I'm structuring multiple sheets, I can't have a "scratch pad" sheet with intermediate lists. - The lookup will live in many different rows, performing lookups/calculations in each row based on selections - Because of the above, I believe it needs to be done via VBA, possibly by storing arrays and setting variables for row references. Ideal skills for the job: - Advanced Excel skills, particularly in lookup functions. - Experience in data analysis in Excel. - Proficiency in creating Excel functions for basic arithmetic operations. - Visual Basic I've attached the reference table, which will like...
...from the broker website and execute the trades(Code already available) - Integration with brokers: The automation tool should directly interface with my broker, Angel one. - Financial instruments: The system should be able to trade stocks, options, and futures. Ideal skills and experience: - Proficient in Python: The candidate should have a strong background in writing automation scripts in Python. - Knowledge of trading APIs: Experience in working with broker APIs, particularly with Angel one, is highly desirable. - Understanding of financial instruments: A good understanding of stocks, options, and futures is crucial for this project. The successful candidate will help me develop an efficient and reliable trading automation tool, allowing me to focus
I am in search of a proficient developer to create a USSD solution compatible with any network operator, beyond just MTN, Airtel, and Vodafone. The system should enable loan application, loan repayment, and account balance enquiry efficiently. Ideal Skills and Experience: - Extensive experience working with multi-network compatible USSD solutions. - Understanding and practical knowledge of financial systems, especially loan management. - Clear and demonstrated understanding of USSD technology. Application Requirements: Interested freelancers should include the following information in their application: - Proven experience in the field. - Examples of similar projects (if any). - A proposal detailing how they plan to address this project, as well as a tentative timeline for com...
...the submission. 13. Automatic Credit Scoring - the Solution must automatically appraise and credit score a loan application. Key Features should include but not limited to the following: 13.1 Financial analysis - Analyze financial information in line with the parameters set to determine the following: 13.1.1 Capacity to borrow 13.1.2 Eligibility to borrow 13.1.3 Level of funding/ credit limit 13.1.4 Loan term 13.1.5 Instalment amount 13.2 Open API – to integrate to other systems 13.3 Financial projections - it should have ability to capture both historic financial performance and projected financial performance Accommodate both existing and startup businesses). 13.4 Provide a Risk Score by transaction and sector. 13.5 Reject or Approve transac...
I'm looking for an expert in landing page design to create a high-converting landing page for my new social media platform. The primary goal of this landing page is to collect quality leads. Key Points: - The landing page should be optimized for Facebook and Instagram, as they are the primary platforms we're focusing on. - The page should be des...for a freelancer who has a strong understanding of: - User experience and conversion rate optimization principles. - Design best practices for social media platforms. - Creating forms for lead collection and integrating them effectively. If you have experience with similar projects and can provide a portfolio, that would be great. I'm looking for a designer who can bring creative ideas to the table and help me drive quali...
I'm in need of an expert in OpenOffice Calc to create a line chart. The main purpose of the chart is to track movement into and out of 4 trading accounts. Specifically, the data I'd like to track in the chart is the ...designated as "100K Acct1", "100K Acct2", "50K Acct3", "50K Acct4". FOUR horizontal red lines, whose position I can adjust up and down on the chart Labeled "Trailing DD1", "Trailing DD2", "Trailing DD3", "Trailing DD4". Ideal skills and experience for this job include: - Previous experience with OpenOffice Calc, not just Microsoft Office - Proficiency in creating line charts - Experience with financial data or trading accounts would be a plus. Please only apply if you have ...
...domain. You will get the platform of working with our team of experts where you can contribute towards the development and customization of ERP solutions using Odoo. We offer an opportunity for hands-on practice as well as insights into developing ERP software. We are currently in need of motivated freshers and interns to assist in developing ERP services. This focuses on Inventory management, Financial accounting and Human resources management and many more modules. Ideal candidates should have the tenacity to learn, innovate, and work well in a team setting. Key Responsibilities: Familiarity with Python programming language is advantageous. • Basic understanding of web development technologies such as HTML, CSS, and JavaScript. • Strong knowledge on postgreSQL DBM...
I'm in need of an expert in OpenOffice Calc to create a line chart. The main purpose of the chart is to track movement into and out of 4 trading accounts. Specifically, the data I'd like to track in the chart is the ...designated as "100K Acct1", "100K Acct2", "50K Acct3", "50K Acct4". FOUR horizontal red lines, whose position I can adjust up and down on the chart Labeled "Trailing DD1", "Trailing DD2", "Trailing DD3", "Trailing DD4". Ideal skills and experience for this job include: - Previous experience with OpenOffice Calc, not just Microsoft Office - Proficiency in creating line charts - Experience with financial data or trading accounts would be a plus. Please only apply if you have ...
I'm in need of a skilled 3D...prototypes to be polished and realistic. - Your work will need to be exceptionally detailed, including textures and materials. This means that your previous experience with realistic 3D design will be a big advantage for this project. - We'll be working on creating these prototypes from scratch, so I also need you to have a strong creative vision and the ability to bring your own ideas to the table. - Must have the capability to work on product prototypes and have a good understanding of product design principles. - Prior experience in creating detailed and realistic 3D models for product visualization will be a huge plus. If you're confident in your abilities for this project, I'd love to see your portfolio and discuss how we ca...
I am seeking an experienced cold caller to generate leads for my Financial Services business. The ideal candidate will have a proven track record in successful cold calling, and possess knowledge in the Financial Services industry. Tasks include: - Contacting individuals, small businesses, and large corporations via phone in South India - Conveying the benefits of our financial services to prospective clients. - Consistently working towards a high conversion rate for lead generation. Required Skills: - Excellent communication skills with the ability to build rapport quickly over the phone. - State understanding of the financial services sector. - Resilience and determination in the face of objections. - Reliable reporting and tracking of leads generated. You...
I am searching for an adept professional who can model a 2D spider web-like network of post links. Imaging a baseball cards and they are interconnected by lines - zigzag running through empty spaces. Or Imaging playing card speread out on a table and then u connect them with strings. Similarlay we have a article or a huge blog or blogs with summary view and connected through lines using metadata reference. Like a refeence section in the end of a book. We need this to be developed as a web application: 1. A cards view connect via lines 2. 2D which can be zoomed in out or moved left right like in a infinete space 3. an inset view of where u are in the overall space 4. check the image attached.
I'm seeking a mentor, part...strategic considerations with you to find out which business or area really suits me (and to implement it). Thank you! The ideal candidate for this job would have: - Proven experience in setting up and running successful businesses, particularly in the online sphere. - Strong marketing background, with a track record of developing effective strategies. - Knowledge of product development and financial planning in the context of startups. - Excellent communication skills, as the role involves mentoring and teaching. - Patience and understanding, as I'm a beginner in the world of entrepreneurship. If you're someone who can offer the right blend of mentorship, partnership, and teaching, and help me reach my goal of making my first $100, I...
I'm looking for a CTO who is well-versed in frontend development, UX/UI design, and backend development. The project involves developing a custom software solution, tailored to unique specifications, so I need someone who can bring a range of skills to the table. We are a startup ESL school and looking for someone with a passion for startups. This is important! Key project requirements include: - Implementing frontend and backend features - Creating an engaging and user-friendly design - Ensuring smooth functionality across the system The ideal candidate will have previous experience in similar roles, with a strong portfolio that showcases their skills across the design and development spectrum. A proactive problem solver who can deliver high-quality work within agreed time...
I'm in need of a skilled developer to construct an investment platform tailored specifically for beginner investors. The platform will be dealing with stocks and bonds, and I'm looking to incorporate a financial team for managing the funds. Reference: Key Features: - Secure Payment Gateway: A robust and reliable system for handling transactions and ensuring the security of our users' financial information. - User-Friendly Dashboard: The user interface should be intuitive and accessible, especially for those who are new to the world of investing. - Advanced Level of Customization: I'm aiming for a sophisticated dashboard that will allow users to view detailed analytics and optimize their portfolios effectively. Ideal Skills and Experience: - Proficiency...
I need a proficient data analyst to dive into the data of our trading platform. The main objective How ...and withdrawal with this trading platform Key Requirements: - The analysis should focus on identifying trading patterns. - You will also be required to pinpoint potential market opportunities from the data. - A comprehensive and detailed report of your findings will be expected as a deliverable. Ideal Skills and Experience: - Strong background in data analysis, particularly in trading and financial data. - Ability to derive meaningful insights from raw data. - Proficiency in creating detailed and comprehensive reports. I'm open to suggestions and methods, and am looking forward to seeing how the data can be utilized to improve our trading strategies. Will pay after ...
I operate in the finance industry and require a professional business analyst with a specialized focus in financial analysis. Your responsibilities will include, but not be limited to, assisting with: - The production of a one-time report - Providing ongoing financial analysis support Those with previous experience in the finance industry are highly preferred, as this knowledge will prove vital to the interpretation and understanding of our specific business context.
...works in different browsers; - Website contains one web page: the home page and a concert popup overlaying most of the screen when activated. - No third party paid licences should be required to run the website. - Google analytics and mailchimp integration - In the backend, I should be able to upload the concerts from the Google Sheets list (automatic or manually). The backend should provide a table with the concerts that lets me filter on columns and change the values of the concerts (select featured concerts, choose not to display a concert, change the summary of a concert, manually add a price, add a concert, etc). - I am not in a rush. take your time to build it. (This is a renewed posting, as the requirements have changed a lot. I have e.g. figured out a way to scrape conte...
I'm looking to hire a professional data analyst specializing in predictive analysis for a specific assignment. The task will revolve around ...sales data for my operation, with a focus on our expenses. Required Skills: - Expertise in Sales Data Analysis - Familiarity with Predictive Analysis - Ability to provide detail-oriented examination of Expenses The intention is to better predict our expenses and make informed financial decisions, enhancing the efficiency of our operations. Preferred Experience: - Previous experience in sales data analysis - Portfolio showcasing predictive analysis strength - A solid understanding of expense tracking and financial modeling with proven success Note: Confidentiality is of utmost importance, complete discretion regarding projec...
...experience in financial markets to create a reliable stock market indicator. The purpose of this indicator is to identify buy/sell signals specifically for stocks. Knowledge in financial data analysis will be key to your success in this project. The ideal candidate will have: - Experience in financial software or indicator development - Strong understanding of stock markets - Ability to work with financial market data The scope of the indicator is not limited to any specific stock market or industry. Therefore, it should be capable of analyzing a large array of stocks from different markets and industries. To be selected, you need to demonstrate your ability to design an indicator that is accurate, reliable and easy to use. Please include your relevant...
I am seeking a proficient web developer to create a website dedicated to prov...The main features required are: - Live gold rate updates: The website should display real-time gold rates that dynamically change as per market fluctuations. - Historical gold rate data: Along with daily updates, this website should have a feature to navigate through past gold rates for analytical and information purposes. I highly prefer working with someone who has prior experience with financial or commodity-related websites and has excellent knowledge in the field of web development, UX/UI design, database management, and hosting. Proficiency in JavaScript and APIs for live updating features is a must. Any additional skills that could enhance the efficiency and aesthetics of the website will be ap...
...document is related to finance so prior experience with financial terminology is a must. Key Requirements: - Industry Experience: You should have a background in finance or accounting to accurately translate these terms. - Language skills: A native Spanish speaker or someone with equivalent proficiency in European Spanish would be ideal. - Accuracy: The translation must be precise and true to the original content. - Confidentiality: The document contains sensitive financial information, so I need someone who can maintain confidentiality and privacy. If you have previous experience with financial translation, please include details of your work. This will help me gauge your suitability for the job. A good understanding of financial terms, the ability to mai...
I'm looking for professional help t...looking for professional help to secure additional funds via a second charge on my real estate property in London uk . The current mortgage on the property is still being made, so experience in handling similar financing scenarios would be crucial. Skills and Experience needed: - Substantial experience with second charges - Knowledge of legal implications and processes - Ability to provide financial guidance - Deep understanding of real estate property valuations - Experience working with monetary institutions or lenders. Your responsibility will encompass everything from providing advice, handling necessary paperwork, to liaising with my mortgage lender and the second charge financier. Please bid with proof of your competence on si...
As a financial tech firm, we're seeking a skilled Mobile Application Developer who is proficient in Flutter. Due to some information constraints, we did not specify certain features and design preferences, nor were we explicit about any required integration with external systems. However, we expect the developer to offer guidance and suggestions based on their experience. Key Responsibilities: - Develop a financial mobile application using Flutter. - Assume responsibility for user registration and login, account dashboard, and transaction history features. Ideal Skills and Experience: - Proven experience as a Mobile App Developer using Flutter. - Proficiency in designing engaging, user-friendly interfaces. - Familiarity with integrating mobile applications with extern...
I need an experienced freelancer to create a chart with interest rates in Canada for every month between January 2015 and the current month. Key Requirements: - The chart should accurately reflect the fluctuation in interest rates over the specified time period....interest rates over the specified time period. - The format must be an excel which is easy to read and interpret. - No additional analytics features such as trend lines or forecasts are necessary, the primary focus is to clearly display interest rates by month. Ideal Skills: - Research historical interest rates in canada - Proficient in Excel and creating line graphs. - Strong understanding of financial data, specifically interest rates. - Eye for detail and ability to ensure the data is clearly presented for easy unde...
As a service-based company, our main objective is increasing our revenue in the next three years. Our revenue model is built on the provision of services. Currently, we are facing challenges in finding new clients, which is impacting our financial performance. We are in need of an effective business strategy and a 3-year plan that can help us address these issues and achieve our business goals. The key pillars that the prospective strategy should be built on are: * Revenue Growth: Identify innovative ways to diversify and maximize income. * Client Acquisition: Develop methods to attract and secure new clients. Ideal Skills and Experience: - Proven experience in business strategy and planning - Expertise in the service provision market dynamics - Considerable success in driving p...
...developer who is proficient in Flutter and Figma. The app should be compatible with both Android and iOS operating systems. Functionality: - The primary purpose of this app is to facilitate both financial management and educational activities. It's a hybrid app that will cater to people interested in both fields. Features: - The app will include paper trading functionality. This means users can simulate trading stocks, bonds, or other investments without committing actual funds. This will be an integral part of the educational aspect, as users can learn about investment strategies and risks without the financial implications. Ideal Skills: - Proficient in Flutter for cross-platform development - Experience in Figma to design and prototype the app - Prior experienc...
I am in need of a professional copy writer who specializes in policy documents for a 16 page in draft word document. Key Tasks: - Review and enhance current Industry Policy content. - Ensure the language, tone, format, and flow of the document is coherent, precise, and informative. - Emulate the whole document based on model content pages 1 - 4. Pg 6 - pg.14 is in table format and needs to be rewritten to be the same as pg.4. Ideal Candidate will: - Have great writing skills and testimonials * Have prior experience in policy writing. * Have excellent proofreading and copyediting skills. * Have experience in writing and editing policy documents. This project will require a well-experienced individual who can deliver quality and professional work in a timely manner. I am look...
I'm looking for a skilled video editor to join my team. I run a faceless stock market related YouTube channel and produce educational content - think stock analysis, market updates, and industry insights. Your primary responsibilities would be incorporating graphics and visual effects to make our videos engaging and informative. The ideal candidate should understand how to bring complex financial concepts to life through visuals. In terms of style, we aim for an educational and analytical tone. This means that the visuals need to complement and enhance the content, helping to break down the information in a clear and visually appealing way. Ideal skills and experience: - Proficiency in video editing software - Experience in creating educational or informative videos - St...
I'm seeking a freelancer who can assist with my quarterly GST filings for my Sole Proprietorship business in India. Key Details: - **Country & Business Type:** The GST filings will specifically involve the regulations and process applicable to Ind...The ideal candidate should: - Have a deep understanding and hands-on experience with Indian GST regulations, particularly for Sole Proprietorships. - Be well-versed with the filing procedures and requirements for quarterly GST submissions. - Demonstrate a track record of accuracy and timely completion of similar tasks. - Maintain a high level of professionalism and confidentiality in handling financial information. Your assistance will ensure compliance with the Indian tax regulations, allowing me to focus on the core operati...
I'm looking for a seasoned developer with strong proficiency in Blazor web assembly, API, and SQL Server to build a compact application for invoice billing. The main goal of this application is streamlining my billing process. Key Features...assembly, API, and SQL Server to build a compact application for invoice billing. The main goal of this application is streamlining my billing process. Key Features: - Invoicing/billing: The platform should facilitate automated creation and delivery of invoices. Ideal Skills: - Familiarity with Blazor web assembly, API, and SQL Server - Experience in creating billing systems - Understanding of financial processes - Excellent attention to detail If you have prior experience in a similar role and you're up for the challenge, I'...
preferably an arabic/calligraphy designer I'm seeking a s...want to spruce up the current layout with a sleek, modern twist. This includes updating the color scheme and adding interactive elements to engage my audience more effectively. - New Functionalities: Crucially, I need online booking functions implemented, with integration with my phone calendar, and seamless integration with Docusign for contract signing. I'd also like the system to show me financial stats (revenue data) . You're an ideal candidate if you're experienced in modern web design, online booking systems, and payment/Docusign integration. If you can craft engaging, interactive designs, I'm eager to chat. Let's bring this vision to life! If you read this send me: "Majed Maje...
...objectives: - Secure Financing: A well-crafted plan that clearly demonstrates the financial viability and potential for growth of the gym. - Outline Marketing Strategies: A detailed marketing strategy to attract and retain adult members. This should include online and offline channels, as well as any innovative ideas. - Define Operational Procedures: Clear operational procedures that will ensure the smooth running of the gym, including staff management, equipment maintenance, and day-to-day operations. Ideal candidates for this project are experienced business plan writers with a track record of success in the fitness or wellness industry. Knowledge of adult consumer behavior and fitness trends would be a plus. Good financial analysis skills and marketing acumen are also...
As an entrepreneur ...document to secure funding. An ideal candidate is experienced in aviation industry specifics and understands the nuances of achieving financial support in this sector. Key Details: - Aim: The primary purpose of the plan is to persuade potential investors to provide funding for our business. - Industry: We operate within the aviation industry, dealing with various business aspects in this domain. However, the client didn't specify the target market, which implies a broad coverage. Required Skills and Experience: - Proven experience in business plan writing. - Sound understanding and experience in the aviation industry. - Excellent persuasive writing and financial forecasting skills. - Strong research skills and ability to create compelling, data...
As someone in charge of financial operations for a business in Quebec, I am in crucial need of a freelancer versed in Quebec's financial regulations. Fluent French communication is a non-negotiable for this role as you will need to navigate governance documents and correspond with French-speaking officials regularly. Your core responsibility will be financial compliance, and any demonstrated expertise in that field will count heavily in your favor. Ideal skills include: - Knowledge of Quebec-specific financial regulations - Fluent French language skills - Previous experience in investment compliance Please ensure your bid reflects your ability to fulfill these requirements. Thank you for your interest in this project.
A 3 page website for boaters to fill out a registration form, with a password protected page to show all records and fields. Page 1 - Homepage, with link to form Page 2 - Form (3 text fields, 1 uploaded image field). After submit button, an 'incomplete' message if empty fields, or a 'success' message. FORM: https://www.vjfpnoa4.a2hosted.c...boaters to fill out a registration form, with a password protected page to show all records and fields. Page 1 - Homepage, with link to form Page 2 - Form (3 text fields, 1 uploaded image field). After submit button, an 'incomplete' message if empty fields, or a 'success' message. FORM: Page 3 - Password protected page (JWT?) containing all records in an HTML table A2 hosted account credentials ...
I need a skilled article writer to help me create informative and educational content on various technology topics. The content will be targeted at traders, so a good understanding of the financial market and related technological trends is important. The articles should be written in an engaging and easy-to-understand way. All the written articles are to be posted in online medias, free magazines etc. Ideal Skills and Experience: - Proven experience in article writing, particularly on technology topics - Familiarity with the financial market and trading - Ability to produce informative and educational content - Excellent command of English and a writing style that is engaging for traders.
...larger than the air-cooled. It says above it in bubbles- 38kW, 48kW, 100kW. 8. Call out- Illustrate an agouti in the warehouse similar to “Gens that we offer” but he’s not on a forklift he’s checking inventory or something like that. 9. Illustrations for the team- I will supply the 4 images 10. Contact Agouti Today- Illustration of the agouti presenting generator options and for the plans on the table for it to show a generator installation site at a home mapped out. 11. Repair & Service Page- Similar to the one on the home page but I would like to change it up a little. Maybe one agouti doing a service job. 12. Maintenance Page- I need an illustration of an agouti looking in his agouti company truck for the right tools. 13. Bonus- Illustration...
I need a proficient financial expert to develop detailed annual financial statements for my business from my bank account information. The expected deliverables are an income statement, balance sheet, and a cash flow statement. Expectations: - Categorize all transactions specifically. - Compile accurate, detailed final statements. Skills and Experience: - Solid understanding and experience in financial accounting and bookkeeping. - Attention to detail. - Ability to meet strict deadlines. - Confidentiality and professionalism. - Proven track record in similar projects.
I'm seeking a skilled programmer who possesses a deep understanding of Tradingview, MACD indicator and trading algorithms. Your task would be: - To create an i...reading is lodged between two peaks - This indicator should automatically draw a horizontal line once it identifies a support or resistance level. Note that this task requires the use of customized parameters for the MACD indicator instead of the default ones. The ideal person for this project would have a strong background in designing algorithms for financial markets, specifically building custom indicators on Tradingview. Experience in financial analysis and understanding of the MACD indicator is also crucial. Quality and accuracy are essential aspects of this project, so please bid if you are confide...
I'm seeking an experienced fundraiser to assist with a project aimed at providing essential humanitarian aid to refugees in ne...fundraising campaign on GoFundMe - Utilize social media and other platforms to promote the campaign and reach a wide audience The funds raised will primarily be used for: - Providing food and water for refugees - Ensuring adequate shelter and clothing - Acquiring necessary medical supplies and healthcare services Ideal candidates should possess: - Proven experience in fundraising and achieving financial targets - Strong communication and social media skills - A passion for humanitarian causes and supporting vulnerable populations This is an excellent opportunity to make a real difference in the lives of those in need. Please share relevant experien...
I'm seeking a developer to create an application compatible with the Quotex binary options platform. It will receive signals for executing trades through manual input, and notify me of these signals via push notifications. Key Requirements: - Compatibility: The application should be designed specific...specifically for Quotex. - Signal Reception: I need a reliable system for receiving trade signals. As I will input this information manually, it must have an intuitive interface. - Notification System: The application should notify me of signals, so I'm looking for a developer who can implement a push notification system. Overall, I'm looking for a skilled developer who has experience working with financial platforms, and can create a user-friendly, efficient applicat...
...that aims to serve young professionals. I need you to develop a comprehensive business plan within one month. The business plan is required to feature key aspects including but not limited to: - Market analysis, focusing on young professionals as our target market. - Operational plan detailing the inner workings of the café. The business plan should be complete and investor-ready, including financial projections and a sharp executive summary. Prior experience in constructing plans for catering or hospitality businesses will be beneficial....
I shall assist you in financial assignment for your project.
Topic =Role of Central Bank in banking regulation,shaping, monetary policy and financial stability of Indian banks
