Read Books Online and Download eBooks, EPub, PDF, Mobi, Kindle, Text Full Free.
Download Opportunity Costs A Complete Guide 2020 Edition full books in PDF, epub, and Kindle. Read online Opportunity Costs A Complete Guide 2020 Edition ebook anywhere anytime directly on your device. Fast Download speed and no annoying ads. We cannot guarantee that every ebooks is available!
Author : Disha Experts
Publisher : Disha Publications
ISBN 13 : 9387045978
Total Pages : 1005 pages
Book Rating : 4.3/5 (87 download)
Download or read book Comprehensive Guide to CDS Exam 2nd Edition written by Disha Experts and published by Disha Publications. This book was released on 2020-06-20 with total page 1005 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Battersby, Grimes
Publisher : Wolters Kluwer
ISBN 13 : 1543811310
Total Pages : 804 pages
Book Rating : 4.5/5 (438 download)
Download or read book Licensing Royalty Rates, 2020 Edition (IL) written by Battersby, Grimes and published by Wolters Kluwer. This book was released on 2019-12-15 with total page 804 pages. Available in PDF, EPUB and Kindle. Book excerpt: This valuable reference presents the "going" royalty rate for virtually any product, including over 1,500 products and services in ten lucrative categories--art, celebrity, character and entertainment, collegiate, corporate, designer, event, sports, nonprofit and music. The essential reference for both beginning and more experienced licensing professionals. Knowing the "going" royalty rate for virtually any product is as simple as reaching for the newly published Licensing Royalty Rates, 2020 Edition . Setting a royalty rate too high can scare away potential licensees, while accepting a lower rate can cost licensors hundreds of thousands of dollars. Licensing Royalty Rates, 2020 Edition provides all the information you need to calculate the right rate every time. The data in Licensing Royalty Rates is compiled using information from the U.S. Patent and Trademark Office. After careful review by a blue-ribbon panel of expert licensing consultants uniquely qualified to know what the appropriate rate range is for specific properties in each licensing category, the information is organized into four time-saving sections that give researchers fast access to comprehensive statistical and analytical data: Royalty rate listing alphabetically by licensed product --provides a detailed alphabetical listing of products and their suggested rate range across all product categories. Royalty rate listing by international trademark class--lets you quickly identify subtle royalty rate differences between similar products within specific international trademark classes. Checklist of licensed products and services--offers a quick-reference to products with a high potential for licensing. Comprehensive list of licensed products and services--presents a detailed list of all surveyed products and services within a trademark class for preparing intent-to-use trademark applications. This detailed information gives both beginning and more experienced licensing professionals the confidence needed to negotiate the maximum allowable rate regardless of the product, the market and the parameters of the specific deal itself. Previous Edition: Licensing Royalty Rates, 2019 Edition, ISBN 9781543800425
Author : Bryant
Publisher : Wolters Kluwer
ISBN 13 : 1543811132
Total Pages : 1292 pages
Book Rating : 4.5/5 (438 download)
Download or read book Complete Guide to Federal and State Garnishment, 2020 Edition (IL) written by Bryant and published by Wolters Kluwer. This book was released on 2019-12-12 with total page 1292 pages. Available in PDF, EPUB and Kindle. Book excerpt: Complete Guide to Federal and State Garnishment provides much-needed clarity when the federal and state laws appear to conflict. You'll find plain-English explanations of the laws and how they interact, as well as the specific steps you and your staff need to take to respond to the order properly. Numerous detailed examples and mathematical calculations make it easy to apply the law under different scenarios. Written by Amorette Nelson Bryant, who was recently appointed by the Uniform Law Commission as an observer for the Drafting Committee on a Wage Garnishment Act and was a past chair of both the APA GATF Child Support Subcommittee and Garnishment Subcommittee, Complete Guide to Federal and State Garnishment brings the payroll professional up-to-date on the latest federal and state laws and regulations affecting this ever-changing area. It is your one-stop source for answers to critical questions, such as: Does the amount exempt from garnishment change when the minimum wage goes up? How do I determine the wages to which the garnishment applies? If an employee is subject to more than one garnishment, which has priority? Which state's rules do I use when I receive a child support order sent from another state? State or federal law - which applies for creditor garnishment and support? Are there alternatives to remitting withheld child support via EFT/EDI? How do I handle garnishments when employees are paid a draw against salary? Previous Edition: Complete Guide to Federal and State Garnishment, 2019 Edition, ISBN 9781454899921
Author : College Board
Publisher : Turtleback
ISBN 13 : 9781690318880
Total Pages : 1300 pages
Book Rating : 4.3/5 (188 download)
Download or read book Official SAT Study Guide 2020 Edition written by College Board and published by Turtleback. This book was released on 2019 with total page 1300 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Includes 8 real tests and official answer explanations"--Cover.
Author : CFA Institute
Publisher : John Wiley & Sons
ISBN 13 : 1119593670
Total Pages : 2638 pages
Book Rating : 4.1/5 (195 download)
Download or read book CFA Program Curriculum 2020 Level III, Volumes 1 - 6 written by CFA Institute and published by John Wiley & Sons. This book was released on 2019-08-08 with total page 2638 pages. Available in PDF, EPUB and Kindle. Book excerpt: All CFA® Program exams through November 2021 will reflect the 2020 curriculum. Purchase your copy and begin studying for Level III now! The CFA® Program Curriculum 2020 Level III Box Set provides candidates and other motivated investment professionals with the official curriculum tested on the Level III CFA exam. This box set covers all the content Chartered Financial Analyst® candidates are expected to know for the Level III exam, including essential instruction on the 10 core topics in the Candidate Body of Knowledge (CBOK). The Level III CFA® Program Curriculum is designed to help candidates synthesize the skills explored in Levels I and II, so you can develop a detailed, professional response to a variety of real-world scenarios analysts face in the industry. Successful Level III CFA® candidates will be able to facilitate effective portfolio and wealth management strategies using the content covered in this set. The CFA® Program Curriculum 2020 Level III Box Set provides a rigorous treatment of portfolio management and is organized into individual study sessions with clearly defined Learning Outcome Statements. You will: Master essential portfolio management and compliance topics Synthesize your understanding into professional guidance Reinforce your grasp of complex analysis and valuation Apply ethical and professional standards in the context of real-world cases Perfect for anyone considering the CFA® designation or currently preparing for a 2021 exam window, the 2020 Level III Box Set is a must-have resource for applying the skills required to become a Chartered Financial Analyst®.
Author : Victoria Martin
Publisher : Bloomsbury Publishing USA
ISBN 13 :
Total Pages : 148 pages
Book Rating : 4.2/5 (16 download)
Download or read book The Complete Guide to Open Scholarship written by Victoria Martin and published by Bloomsbury Publishing USA. This book was released on 2022-05-24 with total page 148 pages. Available in PDF, EPUB and Kindle. Book excerpt: Choice Outstanding Academic Title 2023 Offers librarians an authoritative overview of the full spectrum of significant issues and controversies related to open scholarship in a candid and fair-minded manner. There has long been a debate about openness in scholarship, and even the term itself continues to be debated. Openness is a complex and multidimensional concept, and its nature in scholarship continually evolves. One of the hindrances to the transition to greater openness in academia is this lack of clear understanding about how it fits into the practice of scholarly communication. To ensure that librarians as knowledge managers can better educate scholars about the benefits and challenges of open scholarship, Victoria Martin's The Complete Guide to Open Scholarship brings clarity to the concept of openness, tests assumptions concerning it, and strikes the right balance between breaking down complex ideas into simpler ones and honoring the reader's intelligence and previous knowledge of the subject. Readers will learn the history of openness in scholarship as well as several ways in which openness can be perceived. Drawing on specific examples, Martin discusses the most prominent scholarly models based on openness, barriers to openness, concerns about openness in scholarship, and the future of open scholarship.
Author : Johnny McWilliams
Publisher : Zero In Financial Press
ISBN 13 : 1954485069
Total Pages : 133 pages
Book Rating : 4.9/5 (544 download)
Download or read book Biblical Faith Meets Financial Strategy, 2nd ed. written by Johnny McWilliams and published by Zero In Financial Press. This book was released on 2022-09-20 with total page 133 pages. Available in PDF, EPUB and Kindle. Book excerpt: Prosperity resides where prayerful planning, financial freedom, and radical relationships intersect. Do you have a healthy connection with all financial matters? • Have you ever wondered what the Bible has to say about money? • Do you want to know the best way to build wealth? • Would you like to have contentment in every aspect of life, at work and home, with family and friends, at church, and in your community? Do you want to know how to better manage money? The scriptures teach us to be in a relationship with God. Your Heavenly Father wants you to live a prosperous life and build wealth. The Bible teaches you the proper way to handle those finances. The final four chapters of this book will show you how financial prosperity and the fruit of the Spirit intersect. Once you understand and begin living by these foundational truths, your heart will overflow with love, joy, and peace. Your actions will be purposeful, with patience, kindness, and goodness. And your thoughts will be faithful and meek with self-control. These are not only Christian financial concepts and principles; these are financial truths. It’s time for you to RECOVER, GROW, and ZERO IN on your financial target. Here are some of the faith + strategy intersections you will read about and be able to apply immediately: • Your dreams + Your life • Prayer + Patience • Your destiny + God’s will • King Jesus + Servant Jesus • Your Purpose? + Your Position? The INTERSECTION series includes the titles below: • Biblical Faith Meets Financial Strategy, 2nd ed. – How to Lay a Solid Foundation for Prosperity • God's Ownership Meets Money Management – How to Be a Good and Faithful Steward • Divine Provision Meets Generosity Planning – How to Live Life to the Fullest While Richly Giving …and the following companion for a deeper study: • Setting Your Sights on the Intersection – 90-Day Devotional & Journal About the book series: INTERSECTION – Where God’s Wealth Meets God’s Wisdom Imagine yourself at the shooting range aiming at a target. To ensure your aim is accurate, you look for a calibrated point of reference. There are two engraved lines to give you a single place to focus on when aiming at a target. The two lines cross at this spot and create what is known as crosshairs. Crosshairs are composed of two wires or lines, one parallel and the other perpendicular to the horizon. The area that you are focused on is where the two lines intersect. The objective is to align the crosshairs with the bullseye. Aiming to hit the bullseye requires precision, and using the simple principle of intersecting lines, you can easily pinpoint that target. When peering through the scope of your financial future, the strategy is the same. The two dimensions are God’s Wealth (vertical) and God’s Wisdom (horizontal). Once you have these two crosshairs in focus and zeroed-in, you can aim right at the center of your target and hit it consistently. If you want to pinpoint your financial destiny, you need to zero-in on your target, not someone else’s mark. The simple tool needed for pinpoint accuracy is the crosshairs, and one of the most critical steps is knowing where you are aiming. The blessings come where the two lines meet. Get ready to manage money according to the Word of God and live a prosperous life!
Author : Andreas Hinterhuber
Publisher : Routledge
ISBN 13 : 1000515192
Total Pages : 303 pages
Book Rating : 4.0/5 (5 download)
Download or read book Value First, Then Price written by Andreas Hinterhuber and published by Routledge. This book was released on 2021-12-27 with total page 303 pages. Available in PDF, EPUB and Kindle. Book excerpt: Value-based pricing – pricing a product or service according to its value to the customer rather than its cost – is the most effective and profitable pricing strategy. Value First, Then Price is an innovative collection that proposes a quantitative methodology to value pricing and road-tests this methodology through a wide variety of real-life industrial and B2B cases. This book offers a state-of-the art and best practice overview of how leading companies quantify and document value to customers. In doing so, it provides students and researchers with a method by which to draw invaluable data-driven conclusions, and gives sales and marketing managers the theories and best practices they need to quantify the value of their products and services to industrial and B2B purchasers. The 2nd edition of this highly-regarded text has been updated in line with current research and practice, offering three new chapters covering new case studies and best practice examples of quantified value propositions, the future of value quantification, and value quantification for intangibles. With contributions from global industry experts this book combines cutting edge research on value quantification and value quantification capabilities with real-life, practical examples. It is essential reading for postgraduate students in Sales and Marketing with an interest in Pricing Strategy, sales and pricing specialists, as well as business strategists, in both research and practice.
Author : Francesca Tenca
Publisher : World Scientific
ISBN 13 : 9811221995
Total Pages : 165 pages
Book Rating : 4.8/5 (112 download)
Download or read book Entrepreneurial Finance: A Definitive Guide written by Francesca Tenca and published by World Scientific. This book was released on 2020-08-20 with total page 165 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book synthesises current knowledge on entrepreneurial finance. It provides a comprehensive and up-to-date overview of the state-of-the-art in entrepreneurial finance, with a focus on its ecosystem and main players. It analyses different channels of funding for young and growing ventures, namely debt financing, venture capital, business angels, and new forms of alternative finance, highlighting their advantages and disadvantages from an entrepreneur's perspective. It further discusses the characteristics of financial markets in entrepreneurial finance, examining financial gaps and public policies.This book is ideal for students in entrepreneurship, innovation, finance and business at the graduate and post-graduate levels. Entrepreneurs and policymakers interested in financial issues related to start-ups and new ventures will also find this book interesting.
Author : Barry Schwartz
Publisher : Harper Collins
ISBN 13 : 0061748994
Total Pages : 308 pages
Book Rating : 4.0/5 (617 download)
Download or read book The Paradox of Choice written by Barry Schwartz and published by Harper Collins. This book was released on 2009-10-13 with total page 308 pages. Available in PDF, EPUB and Kindle. Book excerpt: Whether we're buying a pair of jeans, ordering a cup of coffee, selecting a long-distance carrier, applying to college, choosing a doctor, or setting up a 401(k), everyday decisions—both big and small—have become increasingly complex due to the overwhelming abundance of choice with which we are presented. As Americans, we assume that more choice means better options and greater satisfaction. But beware of excessive choice: choice overload can make you question the decisions you make before you even make them, it can set you up for unrealistically high expectations, and it can make you blame yourself for any and all failures. In the long run, this can lead to decision-making paralysis, anxiety, and perpetual stress. And, in a culture that tells us that there is no excuse for falling short of perfection when your options are limitless, too much choice can lead to clinical depression. In The Paradox of Choice, Barry Schwartz explains at what point choice—the hallmark of individual freedom and self-determination that we so cherish—becomes detrimental to our psychological and emotional well-being. In accessible, engaging, and anecdotal prose, Schwartz shows how the dramatic explosion in choice—from the mundane to the profound challenges of balancing career, family, and individual needs—has paradoxically become a problem instead of a solution. Schwartz also shows how our obsession with choice encourages us to seek that which makes us feel worse. By synthesizing current research in the social sciences, Schwartz makes the counter intuitive case that eliminating choices can greatly reduce the stress, anxiety, and busyness of our lives. He offers eleven practical steps on how to limit choices to a manageable number, have the discipline to focus on those that are important and ignore the rest, and ultimately derive greater satisfaction from the choices you have to make.
Author : Fred Geyer
Publisher : Frederick Geyer
ISBN 13 : 1734296925
Total Pages : 291 pages
Book Rating : 4.7/5 (342 download)
Download or read book THE DEFINITIVE GUIDE TO B2B DIGITAL TRANSFORMATION written by Fred Geyer and published by Frederick Geyer. This book was released on 2020-05-26 with total page 291 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book guides B2B leaders along a step by step path to uncommon growth through three transformative shifts: The Digital Selling Shift to digital demand generation, The Digital Customer Experience Makeover to digital customer engagement, The Digital Proposition Pivot to data-powered, digital solutions. The Definitive Guide is informed by the work of Fred Geyer at Prophet, a leading digital transformation consultancy, and Joerg Niessing at INSEAD, a global standard-bearer for business education. Rich case studies from Maersk, Michelin, Adobe, and Air Liquide with best practices from IBM, Salesforce.com, Thyssenkrupp, and scores of leading B2B companies illustrate how putting customers at the heart of digital transformation drives uncommon growth. Fred and Joerg map the route from customer insight to in-market implementation for each transformational shift in four steps: Where to Play - Identify top customer growth opportunities, How to Win - Build the strategy to win customer preference, What to Do - Effectively deliver the strategy, Who is Needed - Assemble the team to make it happen. The two biggest barriers to successful digital transformation, effectively using customer data and enabling employees, are addressed by outlining a clear path to navigate forward based on best practices from other leading companies. The guide has won rave reviews from B2B leaders: "This book illuminates the secret sauce of digital transformation in the B2B space" – David Aaker, renowned brand strategist and bestselling author. "A thought-provoking exploration of three crucial transformational shifts for B2B companies" – Vincent Clerc, CEO, Maersk Ocean & Logistics "This is a great guide to applying best practices to the formidable challenge of digital transformation in complex markets and supply chains." – Dr. Lars Brzoska, Chairman of the Board of Management, Jungheinrich AG. "By providing case examples and step by step assistance in determining where to play, how to win, what to do and who to win, this book fulfilled my need for inspiring and pragmatic transformation guidance" – Lindy Hood, Chief Customer Experience Officer, Zurich Financial North America
Author : Rajeev Babel
Publisher : Bloomsbury Publishing
ISBN 13 : 939017659X
Total Pages : 2000 pages
Book Rating : 4.3/5 (91 download)
Download or read book Comprehensive Guide to the Insolvency Professional Examination written by Rajeev Babel and published by Bloomsbury Publishing. This book was released on 2021-05-30 with total page 2000 pages. Available in PDF, EPUB and Kindle. Book excerpt: Highlights ? More than 5300 MCQs with Answers and Reference. ? Contains upto date laws on Insolvency & Bankruptcy Code, 2016, its Rules and Regulations and Circulars. ? Completely revamped to include MCQs and legislation as per the latest syllabus of IBBI w.e.f. 1st January 2021. ? Covers cases decided by the Supreme Court, High Courts, NCLAT and NCLT covering facts of the case, issue involved and decision given by courts, as per the syllabus. ? Contains separate chapters with case analysis of CIRP/ Individual Insolvency Resolution. Complete coverage of syllabus as notified w.e.f. 1st January 2021 with more than 5300 MCQs (updated upto 31st December, 2020) ? The Insolvency and Bankruptcy Code, 2016, Its Rules, Regulations and Circulars issued under the Code till 31st December, 2020) ? Relevant Chapter of The Companies Act, 2013 ? The Indian Partnership Act, 1932 ? The Limited Liability Partnership Act, 2008 ? The Indian Contract Act, 1872 ? The Negotiable Instruments Act, 1881 ? The Sale of Goods Act, 1930 ? The Transfer of Property Act, 1882 ? The Code of Civil Procedure, 1908 ? The Limitation Act, 1963 ? The Prevention of Corruption Act, 1988 ? The Prevention of Money Laundering Act, 2002 ? The Recovery of Debts and Bankruptcy Act, 1993 ? The Arbitration and Conciliation Act, 1996 ? The Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interests Act, 2002 ? The Micro, Small and Medium Enterprises Development Act, 2006 ? The Real Estate (Regulation and Development) Act, 2016 ? Securities and Contracts Regulation Act, 1956 ? Relevant SEBI Regulations: - SEBI (ICDR) Regulations, 2009 - SEBI (ICDR) Regulations, 2018 - SEBI (Delisting of Equity Shares) Regulations, 2009 - SEBI (SAST) Regulations, 2011 - SEBI (LODR) Regulations, 2015 ? Finance and Accounts (Corporate Finance; Financial Analysis; Liquidity Management; Tax Planning and GST) ? General Awareness - Constitution of India (Right to Constitutional Remedies; provisions of Union Judiciary; provisions of High Courts in the States) - Rights of Workmen under Labour Laws (The Code of Social Security, 2020, The Code of Wages, 2019, The Industrial Relations Code, 2020, The Occupational Safety, Health and Working Conditions Code, 2020 - Economy - Financial Markets - Basic concepts of Valuation - Forensic Audit ? Important decisions of Supreme Court and High Courts, Decisions of NCLAT and NCLT relating to Insolvency ? Case Analysis of CIRP & Liquidation / Individual Insolvency Resolution / Business and Professional Ethics ? MCQs based on Various decisions of Courts ? Model Question Papers
Author : Mihajlo (Michael) Jakovljevic
Publisher : Frontiers Media SA
ISBN 13 : 2889743047
Total Pages : 101 pages
Book Rating : 4.8/5 (897 download)
Download or read book Health Financing and Spending in Low- and Middle-Income Countries written by Mihajlo (Michael) Jakovljevic and published by Frontiers Media SA. This book was released on 2022-02-09 with total page 101 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : John Lees
Publisher : Routledge
ISBN 13 : 1317835395
Total Pages : 232 pages
Book Rating : 4.3/5 (178 download)
Download or read book Clinical Counselling in Primary Care written by John Lees and published by Routledge. This book was released on 2020-12-15 with total page 232 pages. Available in PDF, EPUB and Kindle. Book excerpt: Clinical Counselling in Primary Care examines the complexities and variety of uses of clinical counselling employed in a medical setting. With an estimated 2 in 3 GP sugeries now employing a counsellor or refering patients on a regular basis, this book tackles key debates head-on. It discusses a range of important clinical issues such as: * therapeutic framework * clinical work as part of the greater whole * the need to develop suitable therapeutic models. Clinical Counselling in Primary Care looks at possible developments in the future and argues for the improvement of the standing of counselling in relation to other primary care professsions.
Author : For Dopes Publishing
Publisher : For Dopes Publishing Corp.
ISBN 13 :
Total Pages : 28 pages
Book Rating : 4./5 ( download)
Download or read book A Comprehensive Guide to Business written by For Dopes Publishing and published by For Dopes Publishing Corp.. This book was released on 2020-09-19 with total page 28 pages. Available in PDF, EPUB and Kindle. Book excerpt: Why is business important? And how can it further your positioning in life? This comprehensive guide about business can show you the way... For Dopes Publishing is here to help make difficult topics easy to understand. We help everyone be more knowledgeable and confident. Whether it’s learning about complex business topics, spirituality or building your self-esteem; people who rely on us, rely on the information we provide to learn the critical skills and relevant information necessary for success. So, join us on our journey of self-improvement!
Author : Wayne Turnbull
Publisher : McGraw-Hill Education (UK)
ISBN 13 : 0335250602
Total Pages : 200 pages
Book Rating : 4.3/5 (352 download)
Download or read book Widening Access to Higher Education in the UK: Developments and Approaches Using Credit Accumulation and Transfer written by Wayne Turnbull and published by McGraw-Hill Education (UK). This book was released on 2022-03-23 with total page 200 pages. Available in PDF, EPUB and Kindle. Book excerpt: Credit is intertwined with higher education around the world and this book introduces and analyses the long-term effects that this connection brings. Structured in three parts, the book is grounded in experience, practitioner research and detailed policy analysis. The greater availability of credit in higher education is closely tied to policies of widening access and this book addresses current issues including the consequences of Brexit, standards in higher education and the management of mobile student learning. The contributors to this book: -Explore the development and integration of credit within institutional policy -Outline the systems of student progression and achievement, including methods of assessment and measurement -Examine the official account of credit, widening access and curriculum in the UK -Analyse how credit can facilitate flexibility in curriculum design The book is relevant to anyone engaged in educational development, academic policy and learner support. The breadth of contributions from across the UK ensures the variation in policies is mapped and charts the implications for learners. “Rarely does a text come along which tackles challenging, technical aspects of higher education and presents them in an accessible and creative way. “ Maureen McLaughlin, Academic Registrar, Northumbria University, UK “This is a scholarly and timely analysis of the development of systems for recognising academic credit within the context of widening access to higher education.” Dr Marie Stowell, Director of Quality and Educational Development, University of Worcester, UK “This book is required reading for anyone interested in the future of higher education in a rapidly changing world.” Dr Andy W. Smith, Quality Assurance Agency for Higher Education "It is hard to find enough words of praise for this excellent collection of essays.” Herman de Leeuw, Executive Director and Founder, Groningen Declaration Network Wayne Turnbull was Head of Academic Policy and is now a historian at Liverpool John Moores University, UK. Harvey Woolf was Head of Academic Standards at the University of Wolverhampton, UK. He is a founder member of the Student Assessment and Classification Working Group.
Author : Anthony E. Boardman
Publisher : Cambridge University Press
ISBN 13 : 1108415997
Total Pages : 605 pages
Book Rating : 4.1/5 (84 download)
Download or read book Cost-Benefit Analysis written by Anthony E. Boardman and published by Cambridge University Press. This book was released on 2018-07-19 with total page 605 pages. Available in PDF, EPUB and Kindle. Book excerpt: A comprehensive and authoritative introduction to cost-benefit analysis that aims to be readable and user-friendly.
