Islamic finance thesiscông việc

research essay 1500 chữ hoàn thành càng nhanh càng tốt chủ đề liên quan đến Finance yêu cầu trong bài có ít nhất 3 citation và references

mình cần 1 bạn giúp mình viết code lập trình cho công việc chứng khoán của mình. Project khá nhỏ, chỉ chừng 50 code lines ạ. Ví dụ tương tự là thế này: Nếu bạn có thể nhắn tin communicate tiếng anh thì tốt quá ạ.

mình cần bạn giúp mình viết code lập trình cho công việc chứng khoán của mình. Ví dụ tương tự là thế này: Nếu bạn có thể nhắn tin communicate tiếng anh thì tốt quá ạ.

I'm seeking a skilled financial analyst t...including (renewable diesel, LCFS credit prices, RIN prices and any other revenue sources or applicable tax incentives) - Model Creation: Develop a financial cash flow model that can reliably forecast our cash position over the next 3-5 years. Specifically, I'd like to be able to determine the break evens for a particular feedstock price, or incentive value. Skills/Experience Required: - Strong Finance Background: Deep understanding of financial analysis and forecasting. - Research: Ability to find and interpret financial data to inform the model. - Modeling: Proficiency in creating financial models, preferably in the same or similar context. - Data Analysis: Experience in analyzing financial data and trends to make accurate fi...

...big data in the Technology, Healthcare, and Finance industries. Key Responsibilities: - Conduct a comprehensive Case Study Analysis on the role of big data in the decision-making process within the Technology, Healthcare, and Finance sectors. - Explore and highlight the benefits that big data presents in these specific industries. - Provide a well-structured and evidence-based narrative that clearly outlines the significance of big data in modern-day decision making. Ideal Candidate: - Prior experience in writing research papers, particularly in the field of data analysis and business. - Proficiency in conducting Case Study Analysis and presenting findings in a coherent and engaging manner. - Familiarity with the Technology, Healthcare, and Finance industries is a...

Company Overview: Join a leading firm dedicated to excellence and innovation. With a commitment to professionalism and growth, we offer our team a dynamic work environment where their contributions are valued and their professional development is supported. Job Description: We are seeking a skilled and detail-oriented Accountant to join our finance team. The ideal candidate will have a strong background in accounting practices and principles, with a proven track record of handling complex financial records and reports. This position requires precision and the ability to work under tight deadlines. Responsibilities: • Prepare accurate monthly, quarterly, and annual financial statements. • Manage general ledger, accounts receivable, accounts payable, and payroll ...

I'm looking for a seasoned sales trainer with exce...trainer with exceptional negotiation and communication skills to develop and deliver a sales training program specifically tailored to the finance industry. The ideal candidate has: - Proven expertise in Investment Products. - Excellent negotiation and communication skills. - A track record of delivering engaging training programs. The program should span over the course of one week. Your role will not only involve designing the program, but also effectively delivering it to my sales team. The aim is to improve our team's sales strategies and customer engagement within the financial industry. If you have a passion for sales training and a deep knowledge of finance, you are the entrusted professional we need to en...

We're searching for a highly skilled Lead Generation expert with a background in Accounting, Bookkeeping , Auditing and other Financial Services, for our Company, Bliss Infovision Private Limited is a Private incorporated on 09 June 2014. Key Responsibilities: - Generate potential leads from the East Coast of the USA. Ideal Skills and Experience: - Moderate experience in the financial services sector. - Proven results in lead generation campaigns. - Familiarity with East Coast markets and sectors. We welcome the opportunity to work with an experienced individual who can help us strengthen our reputation and increase our client base in the USA. This is an overseas partnership opportunity with a well-established Chartered Accountant Professionals in India. Your insight, knowled...

I'm looking for an expert in EA (Expert Advisor) to optimize the performance of my current EA system. In particular, I'm interested in: - Enhancing the trading algorit...have a profound understanding of trading algorithms, as this task will require you to optimize my EA's functionality substantially. - Implementing better risk management: Your work should focus on improving the risk management aspect of the trading algorithm. This means you have extensive experience with risk analysis and how it's applied in trading algorithms. Having background knowledge in finance would be beneficial for this task but isn't necessary. However, strong analytical abilities, problem-solving skills, and an eye for detail are a must. Bring your expertise to the table and ...

I'm planning to create a YouTube channel focusing on share and securities training. I will mainly be posting tutorial videos about stock market basics, investment strategies, and risk management techniques. Here's what I'm looking ...basic cuts and transitions and advanced effects and animations. - **Channel Monetization:** Since I want to generate revenue through my channel, I need someone with experience in optimizing videos for the YouTube algorithm and increasing monetization opportunities. Ideal skills and experience for this job include: - Proven experience in creating and editing YouTube content, preferably in the finance or training niche. - Strong knowledge of share and securities to ensure the content is accurate. - Previous success in channel monetization...

I'm looking for an experienced management accountant to help with various accounting tasks. MUST HAVE - qualified chartered accountant - minimum 10 years experience Key Responsibilities: - Financial Reporting: I need assistance in preparing detailed financial repo...Knowledge of UK company laws and regulations is crucial in this role. You'll be responsible for ensuring we are compliant with all statutory requirements. - Valuation + Investment: You will assist in the valuation of our company and in supporting investment decisions. Would like someone based in India but with knowledge of UK law. Your application should demonstrate your experience in the finance & accounting field. Please provide details of your past work experience and how it relates to th...

I'm looking for a skilled web developer to help me enhance my finance website, Prime Asset Finance. The main focus will be on adding customer testimonials from Google, and other improvements. Here's a breakdown of the project requirements: - **Customer Testimonials from Google**: I'd like to import customer reviews from Google to display them on my website. Therefore, your expertise in integrating external data sources into a website is crucial. - **Display**: The testimonials should only show the text portion. - **General Site Enhancements**: Apart from integrating the testimonials, I'm also open to suggestions on how to improve the overall look and performance of the site. - UI/UX updates for a modern look. - Making the site responsive across devices...

I'm seeking a skilled developer to create an informational website primarily serving to present company information. Main features should be: - Displaying detailed and engaging company information. - Integrating a functional contact form for queries. - Establishing a product/servic...is an added advantage to ensure user-friendly design and navigation. Proven portfolio showcasing similar projects required. The focus here is not just a fully functional site, but also one with an engaging, intuitive design to optimize visitor experience and interaction. The look and feel should be of a professional nature, appealing to corporate customers. Our services are IT related in the finance field. Once the website is hosted, we want to be able to update it ourselves with new content fro...

I am seeking help initially and ongoing basis in supporting business development & GTM for a finance KPO. The primary markets are North America, Europe & MENA regions. Help in developing potential customer/lead lists, crafting marketing messages and building the business.

As a growing business, I need a finance and accounting expert to assist me in streamlining our financial processes and managing our budget. Key Responsibilities: - Streamlining Financial Processes: I'm looking for someone who can review our current processes and suggest improvements. You should have experience in implementing efficient financial workflows. - Analyzing Financial Data: You'll be responsible for analyzing our financial data, looking for trends, discrepancies, or areas of improvement. Being able to provide recommendations based on this analysis is essential. - Creating Accurate Financial Reports: You'll be expected to prepare financial statements and reports that are accurate and easy to understand, helping me make informed decisions for the business. I...

I am seeking a professional resume writer to develop a custom resume for me as a mid-level finance professional. Key Deliverables: - A well-structured, concise, and professionally formatted resume in Word document format - The resume should be tailored specifically for the finance industry, showcasing my skills and experience at a mid-level Ideal Skills and Experience: - Proven experience in resume writing, particularly in finance - Understanding of the finance industry, especially for mid-level professionals - Ability to create a well-structured and visually appealing resume in Word document format

I'm in need of a writer who's proficient in corporate finance to create a concise paper focusing on the fundamental concepts in this domain. The audience for this paper will be graduate students, so the content should be engaging and informative for individuals familiar with the field. Key requirements: - Create an overview of key corporate finance concepts: I'm looking for a paper that covers the primary theories and principles that underlie corporate finance, but in a way that's accessible and easy to understand for graduate students. - Target the graduate level: While the paper should provide a comprehensive understanding of the subject, it should avoid delving into unnecessary complexity. The ideal writer will be able to strike a balance betwee...

I'm in need of a writer who's proficient in corporate finance to create a concise paper focusing on the fundamental concepts in this domain. The audience for this paper will be graduate students, so the content should be engaging and informative for individuals familiar with the field. Key requirements: - Create an overview of key corporate finance concepts: I'm looking for a paper that covers the primary theories and principles that underlie corporate finance, but in a way that's accessible and easy to understand for graduate students. - Target the graduate level: While the paper should provide a comprehensive understanding of the subject, it should avoid delving into unnecessary complexity. The ideal writer will be able to strike a balance betwee...

I have half of a research paper on Social Media Usage and Happiness, but I need someone to improve it and add citations. The paper should be 6 pages long. ### Focus Areas - **Introduction and Thesis Statement** - **Analysis of Research Findings** - **Conclusion and Recommendations** ### Requirements - You should have a strong grasp of sentence structure and clarity to enhance the existing content. - I expect you to bring your own research skills to improve the paper and add relevant citations. - Please ensure the essay is 6 pages long. - Previous experience in social science or psychology research writing is a plus. Please provide a timeline for completion with your bid. I'm looking for someone who can turn around quality work in a timely manner.

...Informatica Data Quality Profiles , Score Cards SQL Server RDBMS SQL Server Analytics Services SSAS SQL Server Reporting Services SSRS Tableau Reporting BMC Control M Scheduler Tool Data Analysis Data Profiling Application Life Cycle Management Complete Testing process SDLC, Agile Process, SAFE and Kanban methodologies, TFS Tool Good Communication Skills and Quick Learner Selenium Automation Unix Finance Domain Knowledge Automation Scripting using excel Macros Other Functions: • The Quality Engineer IV participates in the development and implementation of procedures for maintaining and or enhancing the integrity of Santander-s system application • Ensuring the existence of development and service standards • Ensuring that requirements are clearly defined and testab...

...my topic."/ The paper is to have a thesis statement, that is, a statement of your intent to argue for a particular conclusion. Here is an example: "In this paper I will argue that passive euthanasia is immoral." The paper is to consist mostly of your reasons (or arguments) for proving your thesis statement. The paper is not a statement of your opinion or feelings on the topic. Here is an example: "One reason that passive euthanasia is immoral is because it can lead to a slippery slope. In other words, once doctors start letting their patients who are in pain die, they might let other patients die. It is possible, therefore, that eventually there will be great loss of death." You should present 3-4 different reasons (or arguments) in support of your...

...Management: Tracking outstanding credit and sending payment reminders. - Finance Management: Tracking income and generating financial reports. - CRM: To maintain good relationships with our customers. - E-commerce Integration: Development of a functional e-commerce website and application. - POS: A point of sale system for store transactions. - WhatsApp Features: Integrating WhatsApp for customer communication. - Reminder and Offers: Sending reminders and offers to customers. - Mobile Application: Developing a mobile application for store management and billing. The ideal candidate should have experience in: - ERP system development. - E-commerce software development. - Creating mobile applications. - Working with CRM, Credit, and Finance Management systems. - Integrating...

...A seamless system to handle the processing of orders and managing sales records effortlessly. - Customer Relationship Management (CRM): A centralized platform to store and manage customer information, with a focus on providing personalized and exceptional customer service. - POS & Credit Management: An integrated point of sale system that also incorporates credit management functionalities. - Finance Management: A module dedicated to tracking financial transactions, generating reports, and managing financial records. Additionally, I'm interested in the following eCommerce functionalities: - Product Catalog Management: The ability to easily create, update, and manage product listings on my online store. - Shopping Cart: A user-friendly interface that allows customers to ...

We're in need of an experienced Data Science Engineer. The ideal candidate should have a strong background in data science, machine learning, and data analysis. Key responsibilities:...data and extracting actionable insights. - Machine learning modeling: The candidate should have experience in building and implementing machine learning models. Although specific programming language requirements were not provided, proficiency in Python, R, or Java would be a strong advantage. This project does not specify a particular industry domain, but any prior experience in Healthcare, Finance, or Retail would be beneficial. Please bid on this project only if you have a solid background in data science, machine learning, data analysis, and are proficient in the programming languages m...

I'm searching for a tutor skilled in Power BI to deepen my knowledge in dashboard creation, data modeling, and data analysis. Your rich experience in the finance, marketing, or healthcare industry will give a practical edge to my learning. My main objective is to master the tools required for analyzing business data.

I'm seeking a finance specialist with experience in recapitalization efforts. Key tasks for this project include: - **Valuation Analysis**: I need someone who can perform a thorough valuation analysis based on the financial data available. - **Debt-to-Equity Ratio Calculation**: The ideal candidate will be able to calculate the current debt-to-equity ratio and provide recommendations for improvement. - **Return on Investment Analysis**: A comprehensive ROI analysis is necessary to evaluate the potential outcome of the recapitalization effort. I have all the relevant financial data in hand, so the focus will be on the calculations and recommendations based on this data. The primary goal of this recapitalization effort is to restructure the company. The perfect candidate for ...

I need a skilled translator with an excellent command of both English and Italian, and a strong understanding of finance industry terminology to assist with a 30-minute business call. Key Responsibilities: - Translate Italian to English in real-time during a business discussion - Convey industry-related finance terminologies accurately Ideal Skills: - Fluent in Italian and English - Prior experience in live translation particularly in Finance Please note, accuracy and professionalism are of paramount importance for this job.

I'm in need of a developer who can create a n8n script to login to a specific website and extract stock data for multiple companies. Key fea...web data extraction, specifically with table data. - Selection of stocks data: The script should have the ability to select and extract information from the stock table. - Capability for multiple companies: The tool should be versatile to handle data extraction for multiple companies, not limited to just one. Experience in the use of n8n for data extraction from websites, especially in the finance sector, will be a significant advantage for this project. One of the page is: And the table is in the "premium" div. The credentials will be provided to the selected freelancer. The table looks like the attached email.

I'm in need of creating a series of articles that will provide investment tips specifically for beginners in the Bitcoin market. These articles are supposed to be clear, concise, and easy to follow for someone who may be new to investm...will provide investment tips specifically for beginners in the Bitcoin market. These articles are supposed to be clear, concise, and easy to follow for someone who may be new to investment in cryptocurrency. Ideal Skills and Experience: - Demonstrated experience in investing in Bitcoin and other cryptocurrencies - Previous experience in writing articles for beginners, especially in the field of finance and investments - Strong understanding of the technical aspects of Bitcoin and other cryptocurrencies - Ability to write in a professional and ...

...topic of the presentation is 'Business and Finance'. The information should be a high-level overview, so it should not get bogged down with too many intricate details. A clean, professional and engaging design is imperative. The presentation should be structured in such a way that it's easy for the audience to follow and understand the main concepts in the field of Business and Finance. The presentation is a monthly project progress report for an engineering project. The audience is the senior management of the company. I need the freelancer to have a contribution to the content, as well. However, the directions for the content will come from me Ideal skills and experience for this job include: - Strong understanding of Business and Finance...

I'm in need of a professional who can analyze comprehensive survey data and present the results in a detailed, report that relates to each hypothesis for my thesis research. The analysis is expected to be done using Excel analyses then further descriptive analysis is needed, focusing on summarising the main characteristics of the data and how they prove/disprove each hypothesis. This will involve exploring the responses to the survey questions, identifying patterns, trends, and constructing summary statistics. The key deliverable for this project will be as follows: an Excel spreadsheet with... - raw data in one tab (provided for you in the attached excel document) - cleaned data a separate tab (provided for you attached excel document) - your statistical analyses on other ...

I'm looking for a skilled developer to help me create a finance website. I'm in need of someone who has a strong background in web development, particularly in creating intuitive user interfaces and crafting user-friendly web applications. Since the questionnaire was skipped, the website will require a range of functions, such as account registration and login, portfolio tracking, and possibly investment calculators. We can discuss the specific functionalities in more detail once we're in touch. If you have experience in finance or fintech, that would be a big plus, but it's not a requirement. The successful freelancer should include past works and experience in their application. I'm particularly interested in seeing examples of websites and applic...

...(2.) Numbers of households (or people if easier) earning between 50,000 and 100,000 or around those numbers." The numbers can come first - I need these urgently - charts can come later. Time is critical - ideally 24 hours. - Sector-wise breakdown: I am particularly interested in the finance/investment sector. Hence, your role will be to provide in-depth insights into the investment figures within this sector. Ideal candidate should have: - Strong research experience - Experience in economics or finance - Ability to analyze & interpret data - Proficient in Excel or data analysis tools - Access and experience with databases including Office for National Statistics (ONS) in the UK /EUROSTAT and STATISTA (paid) for the EU and Investment Association (UK) This pro...

I'm looking for an expert in Excel who can assist me with designing a functional cash flow budget. The primary aim of this tool will be to help me track and effectively manage two team members expenses. Key requirements for this project are: - Excellent proficiency in Excel, particularly in designing complex budgets and financial spreadsh...totalling expenses. - Ability to create a user-friendly and aesthetically pleasing interface that enables efficient data entry and report viewing. The freelancer would need to provide consistent updates and flexibility for potential adjustments during the process. This initiative is essential for my financial planning and needs to be done professionally. If you're an Excel wizard with experience in finance & budgeting tools, I&...

...Arthwise using React Native. It's all about democratising financial expertise and empowering users with valuable insights to navigate the world of investments. Now, I need someone with backend wizardry to help bring Arthwise to life! This isn't your typical job post – it's more of a collaborative side hustle. We'll be building something together that has the potential to change the game in the finance world. What I'm Looking For: Someone who's passionate about building scalable applications. Experience with backend development, RESTful APIs, and microservices. Familiarity with database management (SQL/NOSQL) and cloud services. A creative problem solver with a knack for turning ideas into reality. What You'll Do: Set up the backend...

I'm in need of a skilled academic writer who can assist in developing a thesis (skripsi) on Education Research, particularly focusing on Curriculum Development. Requirements: - Knowledge in Education, specifically Elementary and Secondary levels - Skilled in Curriculum Development - Experience in academic writing Your main task will be to: - Create a comprehensive and well-researched thesis on the topic - Use a mixed methods research methodology - Pay attention to detail, ensuring the final product is of high quality and ready for submission. Ideal Skills and Experience: - Proven background in academic writing - Understanding of mixed methods research - Prior knowledge or experience in curriculum development - Education research expertise, especially in Elementary ...

Saya sedang membuat thesis bagian 4 & 5, saat ini membutuhkan assistance dari freelance yang bisa bantu menulis thesis dan menyebar / mengambil data retailer secara online Specific requirement - Pernah mengerjakan Thesis - Fluent dalam bahasa Indonesia - Teliti Hope to work with you in the future! cheers

I'm in need of an experienced recruiter to help my company fill crucial roles. As a finance company, our roles can range from entry-level to executive, so versatility in experience is key. Skills/Experience: - Proven recruitment experience, preferably in the financial sector - Ability to assess candidates’ skills, experience and aptitudes Please include your past recruitment experience in your proposal.

...make it up to 6000 words or more. The field of study of my PhD is Translation. The research investigates the translation of specific transcriptions translated from Arabic into English and will be doing a parallel corpus study to do that. Key task: - Finish writing my PhD Enrollment Confirmation document while maintaining the academic integrity and tone of the document. - adjusting the title of thesis Ideal skills: - Experience in academic writing and research is highly preferred. - Fluent in English and Arabic. - Knowledge in academic regulations and terms would be an advantage. Only experienced professional researchers and academic writers are encouraged to bid. I will be sending the specific document that I want to be finished so the writer can carry on and adjust the title...

I'm seeking a CPA certified by PCAOB with the relevant experience to conduct finance compliance audits for my small manufacturing business. The ideal candidate should have a strong background in the following areas: - Internal Controls Review: The freelancer will be responsible for evaluating and testing our internal controls to ensure they are effective and in compliance with industry standards. Experience with COSO framework would be highly beneficial. - Financial Statement Audit: The selected professional will be tasked with auditing our financial statements to provide an independent and objective assessment of our financial health. An in-depth knowledge of GAAP and experience with financial statement audits is a must. - SOX Compliance Review: The freelancer will need t...

Please design this logo for an Islamic educational organisation delivering courses for adults and children and events and retreats. I have uploaded a picture which I quite liked that was designed by AI but was not fully completed. It would be nice to have some Arabic letters or words on it especially the letter DAAL as the organisation begins with the letter. Perhaps having the د letter and having a thin pen with a feather on top in front of it to also signify the letter D. The rest of the word of the logo name (Daaniyah) could be incorporated somewhere? Essentially I would like to make the website that has courses, articles, Islamic related questions and children’s and adults courses to learn about Islam. I have included some pictures attached that I kind of like the ...

I'm in need of a skilled freelancer who can deliver a well-rounded Google sheet to capture important aspects of monthly personal finance, it's crucial that the created sheet can be adaptable to handle text, numerical, and date/time data. Key features: - Data validation - Pivot tables - Conditional Formatting - charts/graphs To be a right fit for this task, you should have a strong grasp on creating and optimizing Google Sheets, with these particular functions. Showcasing your past work in similar projects will strengthen your application. I'm looking forward to collaborating with you on this project to create a solid and functional Google sheet.

I’m seeking experienced content writers capable of producing in-depth blog articles and website content that exceed 1000 words. * Key Topics: Must be comfortable writing about topics related to Business and Finance as well as Technology and Innovation. * Ideal Skills: Solid grasp of the English language, ability to conduct thorough research, excellent SEO know-how, and exceptional critical thinking capacity. * Experience: Past experience in writing detailed articles about Business and Finance or Technology and Innovation is a must. The qualified freelancer should be able to deliver compelling and unique content, free from plagiarism and grammatical errors. Please include samples of your previous work in your bid.

We need a professional press release to announce a new partnership between a Canadian company and an Middle East organisation based in Egypt. The target audience will be potential investors and distribution through various medi...- The press release will need to contain background information mainly on the Canadian company and emphasize the finacial benefits of the partnership in a compelling manner. - The tone needs to be engaging and tailored to a high net worth individuals and financial professionals operating mainly throughout the middle east region. Ideal Skills: - Proven experience in writing press releases for finance industry. - Understanding of Middle East culture. - Arabic language a great asset - Strong copywriting skills and ability to convey complex ideas in a conci...

I'm in search of a professional who can assist me in identifying and seizing opportunities that could help boost my income. While, I didn't specify any particular industry or skills, I'd like someone with a good understanding of finance, business and online marketing. Your application should detail your experience and what you've achieved in these areas, and how you can help me.

Looking for some simple finance-based calculations on a car-budget, some simple ratios and charts, by using MS-Excel. Also need a 650-words write up in 2 to 3 days

I'm in need of a virtual assistant for a 1-2 week project. The ideal candidate should have intermediate experience in a few key areas. Key Duties: - Project Management: This is a critical part of the role. You'll be responsible for overseeing and coordinating various aspects of the project. - Bookkeeping: Basic understanding and experience in finance and budget management will be beneficial. - Data Entry: Accurate and efficient data entry is key. Experience with spreadsheets and databases is a plus. - HTML Coding: Some experience with HTML is necessary. You'll be required to make minor code adjustments. - General Administrative Tasks: Your role will include handling day-to-day admin tasks, including email management, scheduling, and more. The candidate should have i...

...strong background in data scraping from LinkedIn, various social media platforms, and websites. The objective of this project involves harvesting old leads interested in job-oriented training courses in areas such as programming, digital marketing, business, and finance. The skillset and experience required include: - Excellent knowledge of data scraping techniques - Familiarity with LinkedIn, and other social media platforms for data extraction - A good understanding of programming courses, digital marketing, business, and finance topics The targeted audience for these training courses are students, working professionals, and entrepreneurs. I am expecting high-quality leads, so experience in targeted scraping is a must. To be successful in this project, matching the rig...

I have advanced statistical modeling tasks in Stata that need completion. Your primary objective will be to aid in generating a log-file using a specific dataset for several assignments. Further details of the project are as follows: - **Type of Tasks**: Primarily data analysis-related tasks in Stata - **Complexity**: The tasks range from intermediate to advanced statistical modeling, with a focus on time series analysis. - **Your Role**: Your primary role will be aiding in generating a log-file using a specific dataset for several assignments. Ideal candidates for this project should have the following qualifications: - Proficient in Stata, with a strong background in data analysis and statistical modeling - Prior experience with generating log-files in Stata - Ability to interpret res...

I'm in need of a professional, eye-catching flyer/brochure that highlights our company's services, particularly focusing on business loans and working capital loans. Our target aud...to reach out to us. Ideal Skills: - Prior experience in designing marketing materials for financial services or B2B companies would be highly beneficial. - A keen understanding of the target market and the ability to create a design suited for small business owners. - Excellent graphic design skills and a strong portfolio of previous flyer/brochure designs. If you have experience in creating finance-related marketing materials and believe you can deliver a compelling, effective design for our target audience, I would love to hear from you. Our budget is very low, so is the requirement. We ...