Financial ratios formulas and explanationsроботи

Асистент/партнер для фінансових досліджень. Пробували коли-небудь розробити найкращу стратегію? Якщо принаймні уявно так, тоді можете ставити на цей проект. Також, чи не схоже що форекс і ставки на спорт одне й те ж? Це також може бути предметом дослідження. Looking for some assistent/partner in financial research. Do you tried to make best strategy? If even in mind yes, then you can bid on this project. Also, do you don't see forex and booking is the same? It's also may be subject of research.

I need to create a database of Ukrainian: - real estate agencies offering foreign property, - investment / financial firms offering foreign investment property. Database must be devided in two parts: 1. Company from Kyjev 2. Company form other parts of Ukaraine. Database scope: Name of company, Town, Email address, Web site ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ Мені потрібно створити базу даних української мови: - агентства нерухомості, що пропонують іноземну власність, - інвестиційні / фінансові фірми, що пропонують іноземну інвестиційну нерухомість. База даних повинна бути розділена на дві частини: 1. Компанія з Києва 2. Фірма утворює інші частини Укарайна. Обсяг бази даних: Назва компанії, місто, адреса електронної пошти, веб-са...

Будь ласка, зареєструйтесь або увійдіть в систему для перегляду деталей.

I'm looking for a skilled and experienced writer who can craft an engaging and informative blog post on investing in stocks. The post is intended for families planning their finances, so it should offer valuable insights and practical advice that this demographic can easily understand and implement. Key points you should cover in the blog post: - Tips for creating a budget: This section should provide practical and actionable advice on how families can set up and adhere to a budget. The guidance should be clear and easy to follow, helping readers to better manage their finances. - Strategies for saving money: The blog post should also outline various strategies families can use to save more effectively. This can range from cutting bac...

I'm preparing for the Azure AI 102 exam and specifically looking for help with the Natural Language Processing section. I need a comprehensive set of practice questions and answers specifically tailored to this area. Key Requirements: - Development of practice questions and answers: These should cover a broad range of topics within Natural Language Processing, aligning well with the exam's requirements. I need help in some questions and answers with right explanations

I am in need of an accountant who can help with tax preparation for my small business. Key Requirements: - Expertise in tax preparation for both businesses and individuals - Experience working with small businesses (1-10 employees) - Strong knowledge of tax codes and regulations Ideal Skills: - Proficient in financial software - Strong analytical and problem-solving skills - Excellent attention to detail and accuracy - Good communication and interpersonal skills - Ability to meet deadlines Please provide a brief overview of your relevant experience and approach to tax preparation.

I am looking for an expert app developer who can create an Android and iOS app, including a web page, for finance management. The main functionality of the apps and web page will cover common finance-related features. While applicants' skills and experience in developing finance apps are highly desirable, I am open to experienced mobile and web developers who can demonstrate innovative thinking. Access to financial information on the applications should be via login with username and password. Advantage will be given to developers who can also provide a secure, user-friendly login system. The ideal skills and experience for this project include: - Expert in Android and iOS app development - Knowledge and experience de...

...in need of a skilled and reliable accountant in Poland to assist with my monthly VAT filing and yearly tax filing. As a sole proprietor, it's crucial for me to meet all my financial obligations on time to avoid penalties and unnecessary stress. Key responsibilities: - Handling monthly VAT filings: You will be responsible for ensuring my VAT returns are accurate and submitted in a timely manner - Managing yearly tax filings: As a sole proprietor, I have a specific set of tax obligations that need to be managed effectively Ideal skills and experience: - Proficient in Polish accounting and tax laws: Having a deep understanding of the local regulations and requirements is crucial - Experience working with sole proprietorships: ...

Будь ласка, зареєструйтесь або увійдіть в систему для перегляду деталей.

I'm looking for an experienced developer to create a custom API for the Quotex trading broker using Python. Specifically, I am looking for someone who has expertise in API development. The API should have the follo...Account balance retrieval - Comprehensive error handling with detailed error messages - High-performance optimization for fast execution - API calls should be fast Ideal skills for this project include: - Deep understanding of Python - Experience in designing and developing APIs - Background in trading platforms or financial services - Strong problem-solving skills - Ability to optimize for high performance Your primary goal will be to produce a reliable, error-free, and fast API that can efficiently facilitate trades on both demo and real ...

I am looking for an experienced blockchain developer with expert...Decentralized Applications (DApps). - The aim is to develop a DApp for our online cheque clearance and verification system. - Key features should include cheque scanning and image recognition, real-time verification with banking databases, and an audit trail with full transaction history. - Applicants should have a strong knowledge of smart contract development and proven experience with similar financial services applications. - The optimal freelancer would understand the ins and outs of creating secure, efficient, and user-friendly systems. Your bidding proposal should demonstrate your understanding of the special considerations needed for the financial indust...

...create a customized CRM system specifically tailored for financial services and their freelancers. This system should be able to: - Track leads: The application should have a robust lead tracking system in place, allowing us to monitor and manage leads effectively. - Manage deals: Deal management is a crucial part of our business. The CRM system needs to support this feature to ensure smooth deal handling. - Provide performance metrics: It's important for us to evaluate the performance of our team. This CRM system should include tools to generate and present performance metrics. Additional features requested for this CRM system include: - Email integration: Seamless integration with email services to streamline communication and data manageme...

...diligent and detail-oriented individual to assist me on a part-time basis with data entry tasks mainly in the finance sector. Key Responsibilities: - Data Entry: You will be responsible for inputting and maintaining various financial data into spreadsheets and databases. - Accuracy and Attention to Detail: Ensuring the provided data is accurately entered, including cross-referencing and validation. - Data Quality: Assisting in maintaining the quality of the data and suggesting improvements where necessary. Skills and Experience: - Proficiency in Microsoft Excel is a must as this will be the primary tool used. - Previous experience in finance-related data entry is advantageous but not mandatory. - Strong attention to detail an...

...application, and I'm looking for someone with a proven track record in this specific area. Key Responsibilities: - Develop a seamless, secure and efficient integration with Stripe's API - Ensure the integration is scalable and can handle a growing user base - Regularly test and monitor the integration to ensure its reliability and performance Skills and Experience: - Extensive experience working with Django, particularly on API integrations - Proven expertise in integrating applications with third-party APIs, with a particular focus on Stripe being highly desirable - Strong understanding of security protocols and best practices when handling sensitive financial data - Excellent problem-solving skills and ability...

I am in need of a professional flyer for my HVAC (heating, ventilation, and air conditioning) company. Mainly, my goal is to generate leads from this mailer for low to moderate income residents. I would like to have information about the NYSERDA Empower+ program, and the financial incentives available through this program Here's what I'm looking for: * Compelling design: Draw potential customers in with a visually appealing layout. * Suggested content: NYSERDA Empower+ Program, free home energy assessment and free application, low-cost or FREE heat pumps (heating/cooling) for program eligible candidates. Modifying the income limits on the back of the post card attached to reflect the below: -Household size of 1= $36,420.00 or less -Household Size of 2...

I'm looking for a ready-made ERP cloud accounting system like that offers these key features: - Inventory Management - Sales and Purchase Tracking - Financial Reporting I'm specifically seeking a system that has a: - Modern and sleek design I plan to integrate this ERP system with other software via API. Ideal Skills and Experience: - Experience with ERP cloud accounting system development - Proficiency in UI/UX designing - Proven ability in API integration with other tools - Familiarity with inventory management, sales tracking, and financial reporting systems. I want similar to

...expenses and investment earnings in a more organized and efficient manner. Key Requirements: - **System Upgrade**: I've been manually tracking these transactions in spreadsheets, but I now need a more robust and automated system. - **Improved Organization**: The primary goal of this project is to enhance my overall financial organization. - **Investment Tracking**: A secondary but important aspect is to have a system in place for monitoring and evaluating my investment performance. Ideal Freelancer: - **Accounting and Bookkeeping Expertise**: Strong background in personal finance and investment bookkeeping is essential. - **Software Proficiency**: Experience in working with personal finance software is highly preferred. - **Organi...

...& Management, Service or Product Line, Marketing & Sales, Funding Request, Financial Projections, Appendix. - Infographics that highlight key aspects of the business plan. These should be a blend of high-level overviews and detailed breakdowns. The infographics should cover: - **Financial Projections**: Charts, graphs, and visuals that help investors understand our financial outlook. - **Market Analysis**: Visual representation of market trends, size, and potential. - **Competitive Analysis**: Comparative graphs or visuals that differentiate us from competitors. Ideal Freelancer: - Proven experience in creating business plans that have successfully secured funding. - Proficiency in designing visually appealing and informative i...

...Python programming and data science, specifically with a focus on finance who can help complete a project within the next 7 days. Here are the key skills and qualifications I think might be required to successfully complete this project, although I am not experienced in Python so you might find this easier and possible to do well without using as much. > Python Proficiency, as it is the primary tool for this project. > Familiarity with essential Python libraries such as pandas, NumPy, (Matplotlib, Seaborn?), Scikit-learn > Data Science and Analysis: - Data Manipulation: Ability to clean, preprocess, and manipulate large datasets. Skills in visualizing and understanding data trends and patterns. - Statistical Analysis: Knowledge...

I am looking for a professional developer to create a comprehensive and user-friendly dashboard for tracking my crypto investments. This won't be a public app. It's for my personal use only. I will provide the front-end elements (React) most of the work is for adding functionality and back-end. Key Features (I have API from CoinStats for these): - Real-time Price Updates: The dashboard should provide real-time updates on the prices of various cryptocurrencies. - Portfolio Balance Overview: I need to have a clear overview of my overall portfolio balance. - Transaction History Tracking: This feature will allow me to keep track of all my transactions in the crypto market. Additional Pages: - Indicator Tracking: An essential feature that should provide insights into...

I'm in urgent need for a professional busi...technology-based venture. Your main tasks will include: - Conducting a thorough market analysis to identify potential opportunities and threats in the industry. - Developing detailed financial projections, including revenue, expenses, and profit forecasts, to clearly demonstrate the company's growth potential. - Crafting a strategic marketing plan that outlines how we'll acquire customers, generate revenue, and position ourselves in the market. Ideal candidates for this project should have a solid understanding of the technology industry and proven experience in creating successful funding business plans. Expertise in market research, financial analysis, and strategic marketing is...

...You will be looking at the organization's income statements, balance sheets, and cash flow statements from the past year. Your expertise in financial analysis would be a big asset in this project. Key Tasks: - In-depth scrutiny of quarterly income statements - Detailed examination of balance sheets - Profound analysis of cash flow statements Please note, a comparative analysis among the organizations is not required for this project. Your focus should solely be on individual organization's financial health. Ideal Skills: - Experience in financial analysis and accounting - Detail-oriented with proven analytical skills - Ability to interpret complex financial data This job will require thorough analysis and a keen eye fo...

...tracking and monitoring capabilities. - Client Registration: Construct a client registration module that records all relevant client information in an organized and efficient way. - EMI & CIBIL Management: The software must include functions that manage Equated Monthly Installments and Credit Information Bureau (India) scores. - SMS integration: An alert and communication feature via SMS is required for regular updates to clients and management. Ideal Skills and Experience: - Proficient in Java programming language which is our preferred language for this project. - Experience in web-based software development. - Past work that demonstrates your ability to create complex online software, preferably related to finance or microfinance. - ...

...free to make more engaging titles: 1. "Technologies and Frameworks Used in Online Banking Software" 2. "Benefits of building custom virtual wallet solutions into your product" - here to speak about features of virtual wallets, flexibility to convert credits in exchange for additional services, etc. 3. "Compliances and certifications that might be needed for a financial services startup" - explore main compliances for the US and European countries a fintech software startup should know about. The main goal of these articles is to educate our audience. Therefore, the content should be informative, engaging and able to simplify complex topics for an informed readership. Key job requirements: - Proven experience in creatin...

I'm in need of a bespoke budget planning system that prioritises management of my monthly expenses. The ideal freelancer for this assignment should be seasoned in developing personalised financial planning tools. Key features are: - Detailed categorisation of outgoings for seamless tracking of all expenditures. - Projections of potential savings to envision fiscal progress. - Alerts when nearing or breaching specified budget limits. The program should facilitate monthly updates and evaluations to ensure the budget remains relevant and effective. Expertise in financial software tools and an understanding of efficient budget management are significant assets for this project.

I'm the founder of a tech startup in the early stage with a working prot...capital investor to help me fund the product development phase of the business. Key requirements: - Experience with venture capital and funding for technology startups. - Proficiency in understanding business models and potential for growth. - Ability to provide strategic guidance on our product development. Your responsibilities will include: - Conducting market research and financial analysis. - Advising on funding options and helping secure investment. - Potentially providing strategic guidance for our product development efforts. I'm looking for a skilled professional with a proven track record in securing funding for tech startups. Your insights and ...

...for my financial recovery business. Understanding of finance and debt recovery processes is definitely a plus. Key Features: - **Customer Management**: This is a critical feature for the software. You should be able to create a system that allows client profile building. Client Profile Building: - **Financial Status**: Ability to input and monitor financial status of every client. - **Contact Details**: Capacity to register each client's contact information. - **Recovery History**: Capability of logging each client's financial recovery history to keep track of progress. Proficiency in backend programming and database management is required. Knowledge of frontend web design would be beneficial for UI development. A good und...

Saya mencari web programer yang berpengalaman dana Laravel dan Vuejs. Saat ini saya ada program pernjualan yang ingin saya upgrade agar program tersebut sekarang terintegrasi dengan akuntansi (akun perkiraan) seperti pada Accurate...terintegrasi dengan akuntansi (akun perkiraan) seperti pada Accurate Online atau Key requirements include: - Integrating the current sales program with an accounting system. - The accounting system should be at a medium complexity level, including financial reports. - The primary focus for the integration should be on user-friendliness. Ideal Skills: - Proficiency in Laravel and Vuejs. - Experience in integrating systems, particularly sales programs with accounting software. - An understanding of accounting, especially in generating financi...

I'm seeking to secure funding for a multi-industry workers' accommodation project. The accommo...secure funding for a multi-industry workers' accommodation project. The accommodation caters to construction, seasonal farm, wind farm, abattoir, and gold mine workers. For this, I need a professionally crafted project proposal and a corresponding financial model in Excel. Ideal freelancers for this project should possess: - Proven experience in drafting project proposals related to housing or accommodation - In-depth knowledge in the creation of financial models using Excel - A strong understanding of multi-industry accommodations - Great analytical and strategic thinking skills - Familiarity in the Construction, Agriculture, Energy, Food Pro...

...comprehensive and professional stock dashboard that will provide me with updated, real-time data and historical performance of approximately 50 stocks from both US and European markets. This dashboard will serve as my principal tool to track and manage my portfolio. Key Features: - Real-time stock data updates - Historical performance analysis for all stocks - Portfolio tracking for about 50 stocks Visual Design: - The design should be corporate and professional. I'm open to vibrant colors or minimalistic elements in order to easily visualice limit alerts. Ideal Skills: - Experience in both front-end and back-end development - Knowledge in financial markets, specifically NYSE, NASDAQ, and LSE. - Proficiency in integrating...

...new set of websites (.EUs), integrated/generated them with an already active set with a lot of basic content (basic analysis, from set .ITs); Objective: digital sale of GREEN RIGHTS, starting in the EU and BRICS area; with option to generate some apps to upload NFT/DeFi (Solidity/ERC721) to specifics cryptocurrency markets; I think of a good system and its subsequent easy management; a lot of material needs to be reorganized, offered in English, with a sober and professional style, similar on every website, with the option of being available in every language (Wordpress); the basic contents and plan in matrix at the bottom in (first column general info, each others column basic contents on specific websites/patent); ...not need easy migration (traslation) ...

...business report and a series of blog posts. Responsibilities: - The business report should be well-researched, focusing on key areas such as marketing strategies, financial analysis, and industry trends. - The blog posts should be engaging and informative, tailored for a specific target audience which may include business professionals, entrepreneurs, and the general public. Ideal Skills and Experience: - Proven experience in business writing, with an emphasis on reports and blog posts. - Ability to conduct thorough market research and competitor analysis. - Strong understanding of sales forecasting and how to present this data in a clear and impactful way. This project is an excellent opportunity for a writer ...

I'm in need of a professional who can help with my private limited company's annual compliance tasks. Key Tasks: - Filing Annual Financial Statements - Conducting an Audit - Updating Statutory Registers Key Requirements: A. Auditor Appointment & Filing of Form ADT - 01 (Auditor Appointment). B. Preparation & Filing of Form INC - 20A (Declaration of Commencement of Business). C. Assistance & Documents Preparation for Company's Current Bank Account. D. Preparation & Filing of Balance Sheet, P & L Accounts, Audit Report, and Director's Report. E. Preparation & Filing of Extract of Annual Returns & Financial Statements (Unlimited Transactions). F. Preparation & Filing of Annual Returns Form AOC - 04 (Financials Re...

I need financial data from bloomberg or any other database for research.

...Dynamics 365 F&O and expertise in Power Platform. Key Project Requirements: - **Dynamics 365 F&O Modules**: I need assistance in integrating Dynamics 365 F&O with Power Platform, particularly focusing on Financial Management and Supply Chain Management. - **Power Platform Integrations**: Require your support in: * Data integration: Ensuring seamless data exchange between the two systems. * Workflow automation: Developing and implementing automated workflows for various business processes. - **Vendor Invoice Creation**: The vendor invoice creation process should include: * Auto-population of vendor details: Ensure vendor information is correctly filled in. Ideal Skills and Experience: - Strong background in Microsoft Dynamics 365 ...

I am looking for a talented designer to create a modern and sleek marketing flyer for my mortgage brokerage company. The flyer will be used to promote my services, connect with potential homebuyers, and engage our existing customers. Key Information: - The flyer should clearly showcase the various services offered by our mortgage brokerage firm. - It should prominently display our contact information, making it easy for potential clients to reach out. - We also want to include any special promotions or deals we're currently offering. Target Audience: - Homebuyers: The design should appeal to individuals who are in the market for a new home. - Existing Customers: The flyer should also serve to nurture existing relationships, encouraging repeat business. - People with a ...

I'm looking for a financial expert skilled in Tally ERP9 to help with specific bookkeeping tasks. This includes bank reconciliation for 1-5 accounts on a monthly basis, as well as the generation of financial statements. Key Responsibilities: - Reconciliation of 1-5 accounts monthly using Tally ERP9 - Generation of monthly financial statements The ideal candidate should: - Be proficient in Tally ERP9 - Have prior experience in bank reconciliation - Possess a strong understanding of financial reporting I need someone who is detail-oriented, has excellent organizational skills, and can provide accurate financial records in a timely manner. Prior experience with similar tasks is a definite plus.

We are seeking a skilled AI and Machine Learning Engineer and Software Developer to develop and train machine learning models for chatbot functionalities, integrate AI components, and implement NLP techniques. Additionally, I'm looking for a talented Software Developer proficient in Python, Java, JavaScript, and C#, who has experience in chatbot development, both Front-End and Back-End Development, and API Integration. Ideal Skills: - Proficiency in Python, Java, JavaScript, and C# - Experience in Front-End and Back-End Development - Familiarity with Dialogflow and Microsoft Bot Framework - Strong knowledge in AI, Machine Learning, and NLP - Previous experience in chatbot development Roles and...

I need a professional to prepare my income statement and balance sheet according to IFRS standards. My records are ready, and I only require a summary-level of detail. Ideal skills and experience include: - Proficiency in IFRS (International Financial Reporting Standards) - Proven track record in preparing financial statements, especially income statements and balance sheets - Detail-oriented and able to work with a high level of accuracy - Good communication skills to clarify any details for a summary-level reporting. This is a one-time project, but if successful, there may be more in the future.

I require an experienced accountant to prepare a set of financial documents for my company. Last 2 year Audited Financial statements for the previous 2 fiscal year-ends: Income Statement, Balance Sheet, Cash Flow Statement Interim Financial Statements (Balance Sheet, P&L, Cash Flow Statement) Financial statements for the most recent interim period: Income Statement, Balance Sheet, Cash Flow Statement Merchant Processing Statement

I have bank statements from Bank A that I need converted into an Excel spreadsheet. The specific transactions you'll be dealing with are both deposits and withdrawals. Here's what I need: - A thorough and meticulous translation of each individual transaction: both deposits and withdrawals. - Once this data is entered into the spreadsheet, I need you to sort it by transaction type. This role requires expertise in Excel and a keen eye for detail is essential, as the integrity of the data will be paramount. Knowledge about financial transactions, specifically deposits and withdrawals, will be useful. A background in bookkeeping or accounting will also be a plus.

...intelligence prebuilt models and train models to extract data from a variety of tax and financial documents. The extracted data needs to be exported into a Google spreadsheet. Additionally, I need an interface for users to easily upload these documents. Key Requirements: - Extract data from various financial documents: primarily focusing on Expense reports, W-2 forms, credit card statements, 1099s, and annuities. - Extract specific data from credit card statements such as Transaction amounts, Merchant names, Transaction dates, and also the ability to convert currency and combine rows. - Extract specific data from bank statements like Account balances, Transaction descriptions, and Check numbers. Ideal Skills and Experien...

I'm seeking a skilled freelance copyw...task will be to create compelling copy that drives engagement, boosts SEO, and ultimately leads to increased revenue. Your role will be crucial in helping me achieve my financial goals. Key Responsibilities: - Develop persuasive, SEO-optimized copy - Understand target audiences and create tailored content - Collaborate on content strategies - Monitor and optimize content for performance Ideal Skills: - Proven experience in copywriting - Strong understanding of SEO - Ability to write engaging, persuasive content - Excellent communication and collaboration skills If you have a passion for writing and a keen interest in boosting online revenue, I'd love to hear from you. Please be prepared to share...

...collateral-free loan for my upcoming Food and Beverage business in INDIA. The key details I want to focus on are: - An overview of the beverage industry, in relation to the current market scenario and potential growth. - Detailed need for the loan, emphasizing how the funds will be utilized and their expected impact on the business. - Financial projections that can demonstrate the feasibility and profitability of the startup, specifically focusing on the loan amount requested (between INR 15Lakh to 20Lakh). - Break-even analysis that can help potential lenders understand the risk and reward of investing in this venture. The right candidate for this job should possess a solid understanding of the Food and Beverage industry, as well as a ...

...advance app for both iOS and Android platforms. Essential Features: - User authentication - Fund transfer - Real-time transaction tracking I have specific design and branding requirements which I will share with you during our discussion. Therefore, expertise in UI/UX designs and experience in developing aesthetically-pleasing apps will be advantageous. Applicants should also show a strong understanding of securely handling real-time transaction data and sensitive user information. Please provide a portfolio or samples of past work in your application. Your previous experience in creating similar financial apps will also boost your application. I want to build a cash advance app that a user log ins using email and password or create an ac...

Company Overview: is a leading online platform dedicated to providing innovative & effective financial education. Our courses and resources are designed to empower individuals to achieve financial success. Job Summary: We are looking for a versatile and highly organized Digital Marketer to join our team.

I'm looking for a freelancer to create two custom monthly payslips based on an annual salary of $105,000. The payslips will be for April & May should be professional, simple and include the following details: - Employee's name and address - Employer's name and address - Date of payment - ABN (Australian Business Number) - Year-to-date (YTD) earnings The required format is a simple and professional design without any need for color or excessive creativity. Ideal Skills and Experience: - Experience in creating payslips or financial documents - Understanding of Australian payroll standards and regulations - Ability to deliver a simple, professional design

...a customized net worth spreadsheet. This spreadsheet should enable me to meticulously track my financial progress across various categories. Key Requirements: - The spreadsheet should allow me to input and monitor: - Investments (especially individual stocks) - Debt - Savings - Income - Expenses - Other category for miscellaneous expenses or income - I require a simple, user-friendly design that makes manual data entry easy and intuitive. Skills and Experience: - Proficiency in spreadsheet software such as Excel or Google Sheets is essential. - Experience in financial tracking and net worth management is highly beneficial. - Understanding of stock market, investment tracking, and basic accounting principles is a plus. ...

I am l...looking for a specialist in IFRS 9 modelling. The primary purpose of this project is to aid in the financial reporting of my company. Specifically, I aim to achieve more reliable risk assessments through improved modelling. This project will focus specifically on the financial reporting of loans and receivables. Therefore, it is crucial for the chosen freelancer to be well-versed in these financial instruments under IFRS 9 modelling. Ideal Skills: - Thorough understanding of IFRS 9 modelling - Experience in financial reporting of loans and receivables - Ability to create reliable risk assessment models Your role will remarkably improve the transparency and reliability of my company's financial reporting. I'm ex...

I'm seeking a talented developer with a solid understanding of Excel VBA and Python to develop a system that generates and runs Python code via a manual button within Excel. The Python code generated should have the capability to work with financial data specifically. Linguistic proficiency in Excel VBA and Python is required; knowledge in XLwings or a similar tool would be a significant advantage.