Calculation pmiKazi

I'm in need of a developer familiar with Google Maps API to create an interactive map feature for my website. This map should allow users to enter their street address. Once done, it should show an aerial image of their house and give an estimate of the square footage of the landscape without structures. Key requirements: - Users should be able ...should be interactive, but only for viewing purposes. No advanced interactions like drawing or area selection are needed. Ideal skills and experience: - Proficient in Google Maps API and integrating it into websites. - Experience in developing interactive elements on websites. - Strong understanding of front-end development to ensure seamless user experience. - Ability to handle geolocation and calculation of square footage based on...

I require a straightforward, user-friendly spreadsheet that calculates energy savings based on specific input. My needs are very particular. Here are the key aspects: Input Specifications: - It should only take one input: an initial savings value representing the savings our product offers. Calculation Requirements: - I expect the spreadsheet to perform calculations for both percentage and dollar amount savings. Results Format: - The results should be shown as simple numbers; I don't need them displayed as percentages or any graphical representations. The freelancer fit for the task should be proficient in spreadsheet software and have experience in building similar savings calculators. A good understanding of energy savings would be advantageous.

Payment will be paid according to each repo in MS Projects' Jira system The payment calculation will follow the actual time for each repo except the time to fix bugs.

I need assistance with calculating the correct motor size and torque requirements for an industrial application. Key Job Details: - Us...requirements for an industrial application. Key Job Details: - Use your expertise to analyze the load the motor will need to move. - The ideal motor should be able to handle the load efficiently and effectively. - I'll need detailed calculations (with reference) to be shared at the end of the project. Preferable Skills: - Experience in industrial machinery - Expertise in motor sizing and torque calculation. The motor will operate in a standard factory environment, moving a load that is constant and predictable. I would appreciate it if you could provide examples of similar projects you've worked on in the past. Attached is a simi...

I'm in need of a skilled developer to create a score card module using MAUI. This module should allow for the following: - **Score Entry**: Users should be able to input scores into the system. - **Calculation of Scores**: The module should be able to process the inputs and calculate the final scores. - **Display of Scores**: The final scores should be presented in form of summary reports. This module is designed for administrators, so it should only be accessible by those with administrator privileges. Ideal candidates for this project should be proficient with MAUI and have experience with creating data-driven modules. You should be able to integrate various data input methods, develop calculations and create concise, visually appealing reports. Kindly provide examples ...

I am in need of a comprehensive dashboard for my online chess academy. This platform will be used by coaches to monitor several aspects of our students' progress and academy administration. Key Features: - Stu...using this dashboard. - Payment Calculations: The dashboard should have a feature that automatically calculates payments based on an hourly rate. Skills and Experience: - Proficiency in dashboard development, preferably with experience in creating online learning platforms is desired. - Strong understanding of data visualization and user interface design. - Experience in integrating payment calculation systems into a dashboard. Your expertise in these areas is crucial in delivering a user-friendly, efficient dashboard that will greatly facilitate the management of my...

...banners in mobile size also – mobile view of website needs fixing 5. Body system content pages – add the content; show team member how to add blogs 6. Build one content page from template; copy to five other pages; add content 7. Fix CSS so images are the correct size; AWS server 8. CDN and caching 9. Shipping partner: tracking number sent back to Pay Pal to close out the sale – adjust shipping calculation 10. Content pages for Woo [most will be done after go live] 11. Site speed 12. Rotating products on front page to include all 977 13. about 13 pdfs where organization has provided screen shots of issues to correct 14. too many plug ins; back-end categories need adjusting 15. Move site to different host 16. Price updates for Nature Sunshine – April 2024 ...

...thermal printers. - User login for separate staff: It should also have a feature to allow separate logins for different users or staff members. - Inventory management: The software should include inventory management features for tracking stock levels and products. - Customer management: I need a system that can handle customer data and history, to help with marketing and future sales. - Tax calculation: The software should be able to automatically calculate taxes for each transaction. - Customizable: The software should be customizable to suit the specific needs of my retail store. - No monthly renewal payment: Ideally, I'm looking for a one-time purchase software with no recurring fees. The ideal candidate for this job should have experience developing custom point-of-sal...

Multi-scenarios Custom Sales Commissions Excel Spreadsheets Dashboards. Deve...Dashboards. Develop a bespoke Microsoft Excel spreadsheet to accurately calculate sales commissions. The specifics: - The variables: the spreadsheet to take into account the Sales Volume, the Profit, and the Commission Percentage while computing sales commissions. - Calculation specifics: Commission should be determined accurately according to custom formulas (using the previous variables) that considers the Commission Percentage. - Data input: The spreadsheet will be easy to use, allowing to manually input the data for calculation. This tool (Multi-scenarios Custom Sales Commissions Excel Spreadsheets Dashboards) will enhance efficient determination of commissions, hence accuracy and precisi...

...mobile app designed for performing a mathematical magic trick. The app will involve complex calculations and data handling to reverse engineer a sequence of mathematical operations based on user input, ultimately revealing specific playing cards with pre-determined ages and birth years. Key Features: User Input: Users will input a final large number and a chosen multiplier (1-10). Reverse Calculation: The app will perform reverse calculations to derive intermediate values and ultimately the user's birth year. Data Mapping: The app will map calculated results to corresponding birth years, ages, and specific playing cards. Deck Arrangement: The app will indicate the correct position of playing cards in a deck based on calculated results. Error Handling: The app should accoun...

Enthalpy energy chemical calculation for gas reaction Quick calculation will share details in message

thermodynamics calculation xx flow, xx flow g/s, stoich combustion ratio = xx , what is the energy output Watts

I need a comprehensive loan calculator that can handle different loan calculations and provide detailed outputs. The ideal calculator should incorporate: - Simple interest calculation - Compound interest calculation - Amortization schedule based on EURIBOR 6M + spread Key Features: - Input fields for: - Principal amount - Interest rate - Loan term - Calculation of: - Total interest paid - Payment schedule The final deliverable should provide clear, accurate results. The tool needs to be user-friendly, with a clean and intuitive interface. Previous experience with financial calculators or loan management systems is a plus.

I'm in need of an Excel Calculation Expert. I have data spreadsheets that need to do the calculations using Excel Your primary task will be to: - I've dataset (excel file), that needs to do the calculation using excel - Once it done then you need to write report as per following requirement Deadline: 10 hours or less

I need an Excel expert to assist me with various tasks involving data analysis and calculation 1. I have data and you need to do the historical data 2. After that you are required to write report as per requirement and instruction 3. Deadline: you may take 8-10 hours

I am in need of a professional construction estimator who can promptly provide me with detailed cost breakdowns for my residential and commercial projects. Key Responsibilities: - Material Costs: Calculation of the total cost of materials required for each project. - Labour Costs: Accurately estimate the total cost of labour associated with each project. - Overhead Costs: Evaluate and provide detailed overhead costs, including equipment, rentals, etc. Ideal Skills: - Prior experience in construction cost estimation particularly for residential and commercial projects. - Proficiency in utilizing all industry standard estimation tools and software. - Strong analytical skills to interpret construction blueprints and project plans. This project requires an immediate commencement, th...

I have a multi-story building project that requires an experienced structural engineer. Your primary task would be to evaluate the necessity of central RC columns in the building by checking the load distribution from the provided load calculation sheets. Key responsibilities: - Evaluate the need for central RC columns in a multi-story building - Thoroughly analyze the provided load calculation sheets for structural integrity - Provide alternative design solutions if necessary Ideal skills for this job would include: - Professional experience in structural engineering, especially for multi-story buildings - Expertise in evaluating load distribution and structural integrity - Ability to provide alternative design solutions based on your analysis Your work will greatly influ...

I need a professional with ...will calculate true odds for horses in races. Your main task will be to analyze past performance data, race results, and betting data and develop a model that can find positive expected values within the races. Key requirements: - Experience in developing machine learning models for predictive analytics. - Ability to work with and analyze horse racing data. - Strong understanding of odds calculation and betting practices in horse racing. I'm looking for candidates with a strong background in statistics and data analysis, particularly in the field of sports betting. Successful freelancers should include their experience in developing similar models in their application. Once the model is developed, I would like the results to be presented in a...

I need two steel beam calculations done for a residential property. These calculations are required to meet building regulations. Therefore, I'm seeking a freelancer with a strong background in civil or structural engineering, familiar with the relevant building codes and able to apply them correctly. Experience working wit...residential property. These calculations are required to meet building regulations. Therefore, I'm seeking a freelancer with a strong background in civil or structural engineering, familiar with the relevant building codes and able to apply them correctly. Experience working with residential constructions and knowledge of steel as a structural material is key. The final deliverables will be detailed calculation reports that will satisfy building regul...

I'm looking for a TradingView Pine Script that will specifically help me identify the 52-week high of a stock and plot a marker on the chart when this price point is reached. Key Requirements: - **52 Week High Calculation**: The script needs to identify the highest high of a stock in the past 52 weeks and utilize this as the 52-week high. - **Marker Plots**: When the price hits this 52-week high, it should automatically plot a marker on the chart to make this point visually identifiable. It's important that the script is accurate in identifying the 52-week high and that it's reliable in plotting the marker when this price level is reached. Ideal Skills: - Proficient in TradingView Pine Script - Experience in developing custom indicators and strategies - Understandi...

...page in Laravel. 16. Redesign all PDFs for improved aesthetics and functionality in Laravel. 17. Fix the functionality of buttons under tab modules on the View Job and Contact pages in Laravel. 18. Ensure correct counting under tab modules on the View Job and Contact pages in Laravel. 19. Resolve duplicate data display issue under the site visits tab on the Job view page in Laravel. 20. Address calculation errors on the create quote page in Laravel. 21. Ensure stability of total calculations on the create quote page in Laravel. 22. Make necessary corrections on the Job Pack page regarding serial numbers, job pack numbers, and dates in Laravel. 23. Automatically populate VAT information from the Job View page during invoice creation in Laravel. 24. Implement company filter and act...

I'm in need of an experienced Android developer to create a productivity app that primarily focuses on calculations. Key Features: - The app will be centered around calculation functions - Users should be able to make basic arithmetic calculations - The app needs to be user-friendly and intuitive for quick calculations Ideal Skills and Experience: - Strong background in Android development, proficient in Java or Kotlin - Previous experience building productivity apps - Prior experience working with calculation functions - A good understanding of UX/UI in mobile apps

I'm in need of an experienced structural engineer with a background in weight calculation and industrial design. Key project goals: - Assess our existings mezzanine floor and determine how much and the type of goods we can store on this floor safely - The mezzanine floor will need to be robust enough to withstand use of pallet jacks for moving items around. Requirements: - Proven experience in industrial weight load calculations specifically for mezzanine floors. - Understanding of safety regulations and necessities when designing heavy load structures. - Ability to work within budget restraints and timeframes. - Located in Ireland (Dublin) as a site visit will be necessary. The successful bidder will guide me in obtaining a safe, economical, and practical solution ...

thermodynamics calculation xx flow, xx flow g/s, stoich combustion ratio = xx , what is the energy output Watts

I need assistance with performing formulas, calculations and descriptive analysis in Ms Excel. I am specifically focused on analyzing data using measures of central tendency - mean, median and mode. - **Tasks** - Insert and calculate formulas rega...analysis in Ms Excel. I am specifically focused on analyzing data using measures of central tendency - mean, median and mode. - **Tasks** - Insert and calculate formulas regarding the mean, median, and mode in the data. - Conduct descriptive analysis on the dataset. Ideal freelancers for this project should have strong analytical skills and extensive experience with Excel's formula and calculation functionalities as well as knowledge of statistical analysis. An understanding of central tendency measures (mean, median, mo...

Seeking a proficient individual who is knowledgeable in Excel for data entry and calculation formula tasks. The project involves: - Manual data entry - Creating complex formulas - Maintaining a spreadsheet with 10-50 columns and rows Ideal skills and qualifications: - A high degree of precision and accuracy in data entry - Strong knowledge of, and experience with, Excel and its formulas. I would like my 24 month forecast converted to an excel spreadsheet so i can adjust inputs and project further.

...this application include: - A digital park map: Users should be able to view a digital map of the park, with detailed information on rides, facilities, and attractions. -Location Search: Allows users to search for specific places within the park, such as restrooms, shops, play areas, and stalls. -Map Display: Shows a park map with pathways, scenic areas, and key points of interest. -Distance Calculation: Enables users to calculate distances between different points within the park. -Directions Guidance: Provides detailed directions to reach desired locations within the park. The ideal candidate for this project should have experience developing web applications, ideally with a focus on GIS systems. Experience in the amusement park or tourism industry would be a plus. Please n...

...Management - Cost Estimation - Procurement Specific Features for Project Management: - Task Management: The system should allow for easy task assignment and monitoring. - Resource Allocation: It should have a robust system for allocating and tracking resources. Specific Requirements for Cost Estimation: - Integrated Cost Database: The system should have a vast and well-organized cost database. - Calculation Formulas: It should accommodate complex estimation formulas. - Reporting and Analytics: The ability to generate detailed reports and analytics is crucial. Ideal Candidate: - Should have a strong background in PHP development. - Extensive experience in developing ERP solutions, particularly for construction. - Knowledge of project management and cost estimation methodologie...

...Requirements: - Expert-developed Excel macros that automate repetitive tasks, making my workload more manageable. - The macros created should focus on performing calculations, thus, speed and precision are of the essence. - Due to the nature of the project, potential contractors must understand Excel inside out, especially on how to configure and troubleshoot macros. No specific type of calculation was specified, therefore experience with a wide range of calculations from basic arithmetic to complex equations is integral. Your problem-solving skill will be a plus point as the ability to understand and improve current systems is instrumental in achieving an efficient automated process....

I'm in need of an experienced Google Sheets expert to create a fully functional payro...requirements: - Develop a payroll sheet with built-in expenses calculator integrated. - The expenses calculator should include costs for labor and equipment. - For labor and equipment, the calculator should compute total costs and cost per job, as well as provide summaries on a per-service basis. Your ideal skills: - Proficiency in Google Sheets, with experience in creating complex, automated calculation sheets. - Strong understanding of payroll and expenses management. - Ability to translate business requirements into a user-friendly, efficient spreadsheet tool. Please provide examples of similar work you've done in the past. Understanding of business operations and cost management w...

I'm in need of a seasoned developer who can create cryptocurrency trading bots with a unique twist - the ability to directly interact with PayPal. The project involves integrating the bots with Binance, Coinbase, and Kraken, and a secure PayPal account for transactions. Key Functionalities: - Automatic Price Calculation: The bots should be able to dynamically calculate the best price for selling bitcoin and execute transactions at optimal rates. - Secure Payment Processing: To ensure user data safety, the bots should integrate with PayPal's secure payment processing system. - Real-time Market Updates: The bots should be able to constantly monitor the cryptocurrency market on Binance, Coinbase, and Kraken and adapt their trading strategy based on real-time updates. User ...

Calculate LCOE for Solar PV System Description: Seeking an expert to compute the Levelized Cost of Electricity (LCOE) for a solar PV system based on installation, maintenance costs, and energy output. Deliverables: - Detailed report with cost breakdown, annual output, and LCOE. Requirements: - Experience in solar energy analysis. - Skilled in energy modeling tools. Materials Provided: - Datasheets, performance data, and .xlsx.

We are seeking for a developer to build a transportation app with Larav...part, and flutter for mobile. A part of the system is already built. The github repositories will be shared. Documents and wireframes will be shared too. The system is composed of three parts: -Booking website: from where the clients book vans -Fleet management back-office: from where cars an trips are managed. Cars have a planning filled with booked trip. The main challenge is the availability calculation, that has a complete document wrote down. -Flutter mobile app for drivers, to check there schedules, and do reports (app already coded, to complete) It may need confirmed experience given that the initial developer (intermediate) had some difficulties winding it up. I stay at your disposal to provide any inf...

...Management - Cost Estimation - Procurement Specific Features for Project Management: - Task Management: The system should allow for easy task assignment and monitoring. - Resource Allocation: It should have a robust system for allocating and tracking resources. Specific Requirements for Cost Estimation: - Integrated Cost Database: The system should have a vast and well-organized cost database. - Calculation Formulas: It should accommodate complex estimation formulas. - Reporting and Analytics: The ability to generate detailed reports and analytics is crucial. Ideal Candidate: - Should have a strong background in PHP development. - Extensive experience in developing ERP solutions, particularly for construction. - Knowledge of project management and cost estimation methodologie...

...Product data management: Maintain a comprehensive database of products with attributes (SKU, name, description, unit cost, etc.). Inventory tracking: Track stock levels across all locations (warehouses and branches) in real-time. ABC Classification: Classify products into A, B, and C categories based on Pareto analysis (annual demand value or other chosen parameter). Minimum reorder point (ROP) calculation: Automatically calculate optimal reorder points for each product considering lead time, demand variability, and safety stock. Purchase order generation: Generate purchase orders for suppliers based on calculated reorder points and stock levels. 3.2 Demand Forecasting and Distribution Demand data integration: Integrate sales data from branches or Point-of-Sale (POS) systems for...

...create a complex formula for my Excel sheet. The formula will involve an IF statement assessing multiple values and conditions. its one simple formula Key Details: - The formula should be able to evaluate whether a given value is: - Greater than a certain threshold, - Less than a certain threshold, or - Equal to a specific value. - Each of these conditions should trigger a different calculation (to be defined). You should be familiar with creating complex formulas and IF statements in Excel. Your attention to detail and understanding of data manipulation will be crucial in ensuring the formula works accurately. Additionally, your proactive problem-solving skills will be highly valued as you help me define the right calculations for each condition. Overall, I'm l...

Urgently in need of a wind load calculation and a design from a Florida registered engineer for a bamboo and wood fence which is already built. Needed for code compliance in Pompano Beach, Florida. Thank you.

...- Calculate the proportion of debt vs. equity in the company’s capital structure. - Calculate the cost of debt from financial reports. - Equity Required Rate of Return: - Apply the Dividend Growth Model (DGM) and the Capital Asset Pricing Model (CAPM) to calculate the required rate of return on equity. - Describe each model and show detailed calculations. - Market Return Calculation: - Use historical prices from TADAWUL to calculate the market return. - Explain how this figure is used in the CAPM. - Beta Utilization in CAPM: - Describe what beta represents and how it influences the CAPM. - Use the company's beta from Yahoo Finance in the CAPM formula to calculate the expected return of the stock. - Risk-Free Rate Utilizati...

I'm looking for an Excel expert to create a custom software for me. The software ...manufacturing multiple items. As a result, I demand assistance in finding a way to maintain a report of the work and completion for all the items we produce. Also, I require someone who can make it operational on smartphones so that we can share the live data across the team." I am sharing the link of two forms been created by a freelancer but I need more improvement in the sheet. As much of data has calculation mistake and I need proper implementation and training for it. The links are as follows: :x:/g/personal/ronakagrawal_venkateshenterprises308_onmicrosoft_com/EQtxRF9FeX1Gt1mflmKYLy8B2BIvqoxRxFUkVrK3u-bNNA?e=2cRfOh

I need an Excel spreadsheet designed for a project I'm working on that involves calculating the necessary Newton meters for a waterwheel and Newton meters of the hanging weights shafts, all while rotating. The front page of this spreadsheet will be dedicated to receiving calculation inputs. These will include: - Waterwheel dimensions: This involves measurements of the waterwheel, such as diameter, mass, etc. - Water flow rate: The rate at which water will be flowing onto the waterwheel. - Weight dimensions: Measurements of the weights that will be hung from the shaft. - Newton meters at the paddle: The unit of measurement for the Newton meters required at the waterwheel paddle. The ideal freelancer for this project should have: - Proficiency in Excel and designin...

I'm seeking an adept vb.net coder to design a desktop-based GST billing software that primarily integrates with SQL Server. While there aren't any specific features I've outlined, I'm hoping to work with someone who's knowledgeable about the typical functionalities of GST billing software. This expertise will be critical in shaping the software's development. Cr...I'm hoping to work with someone who's knowledgeable about the typical functionalities of GST billing software. This expertise will be critical in shaping the software's development. Critical skills and experience required: - Strong proficiency in vb.net - Familiarity with SQL Server - Previous experience designing billing software - Understanding of GST's impact on invoice ...

...speed calculation system using my DVS346 camera. This system should also include custom data models. Key Requirements: - Real-Time Human Movement Detection: The system should be able to detect human movement in real-time. This is crucial for the intended application in healthcare monitoring. - Movement Speed Calculation: In addition to detecting movement, the system should also calculate the speed of the detected movements. This data will be used for further analysis. - Custom Data Models: The project involves creating custom data models to facilitate the detection and speed calculation processes. Expertise in data modeling is therefore essential. Ideal Skills: - Strong Python Programming: The core of this project is the Python code for real-time movement detectio...

...Requirements: - Expert-developed Excel macros that automate repetitive tasks, making my workload more manageable. - The macros created should focus on performing calculations, thus, speed and precision are of the essence. - Due to the nature of the project, potential contractors must understand Excel inside out, especially on how to configure and troubleshoot macros. No specific type of calculation was specified, therefore experience with a wide range of calculations from basic arithmetic to complex equations is integral. Your problem-solving skill will be a plus point as the ability to understand and improve current systems is instrumental in achieving an efficient automated process....

...Requirements: - Expert-developed Excel macros that automate repetitive tasks, making my workload more manageable. - The macros created should focus on performing calculations, thus, speed and precision are of the essence. - Due to the nature of the project, potential contractors must understand Excel inside out, especially on how to configure and troubleshoot macros. No specific type of calculation was specified, therefore experience with a wide range of calculations from basic arithmetic to complex equations is integral. Your problem-solving skill will be a plus point as the ability to understand and improve current systems is instrumental in achieving an efficient automated process....

...Requirements: - Expert-developed Excel macros that automate repetitive tasks, making my workload more manageable. - The macros created should focus on performing calculations, thus, speed and precision are of the essence. - Due to the nature of the project, potential contractors must understand Excel inside out, especially on how to configure and troubleshoot macros. No specific type of calculation was specified, therefore experience with a wide range of calculations from basic arithmetic to complex equations is integral. Your problem-solving skill will be a plus point as the ability to understand and improve current systems is instrumental in achieving an efficient automated process....

I am seeking an experienced mechanical engineer to perform a winch pulley calculation for an industrial application. The calculation should focus on the load acting on the winch when increasing the height of the conveyor. Key Requirements: - Determine the load to move the conveyor upwards by moving the height arm. - Determine the number of pulley blocks required to enable the use of a 500kg winch. - The design should also prioritize longevity, anticipating a lifespan of over 3 years Ideal Candidate: - Proven experience with mechanical engineering calculations, specifically involving winch pulley systems - Familiarity with industrial power requirement standards - Experience creating designs for long-term use is a must

...proficient Excel wizard to design a property investment calculator for me. The calculator will be used to determine the total cost of purchasing and building a small investment property. Here are some of the features I need it to have Input property costs, land and build. A time frame for build variable Calculation of progressive interest being charge as the house is being constructed. This amount is combined with Council rates Builders deposit, legals and other costs Total cost - Expense Calculation: This will specifically account for property taxes. - Adjustable Mortgage Rates: The calculator must be capable of taking into account changes in mortgage rates over time. I will provide an example for reference. Excel efficiency, financial modelling skills, and a...

I need a skilled engineer to determine the maximum allowable working pressure (MAWOP) for my project's annulus casing. The ultimate goal is to ensure safety, prevent potential blowouts, and confidently understand the pressure parameters we can operate within. Your task: - Strictly follow API standards - Ideally, you should be familiar with various methods of calculating MAWOP, however, as we haven't specified a method, your expertise in choosing the ideal method is highly anticipated. Skills and Experience: - Strong understanding about MAWOP - Well-versed with API standards - High level of expertise in Hydrostatic pressure method, Gas gradient method, and Combined method is a plus - Proven experience in engineering projects involving pressure calculations.

...to refer new leads using forms. - Implement tracking mechanisms to monitor referral progress. - Calculate and display commission earned for successful conversions. - User Registration/Login: Allow users to register/login to the platform securely. - Referral Dashboard: Provide a centralised dashboard for users to manage their referrals, track progress, and view earned commissions. - Commission Calculation: Automatically calculate commissions earned based on predefined rules and parameters. The ideal candidate for this project should have: - Proficiency in Bubble: Given the specific platform choice, experience with Bubble is a must. - Understanding of Lead Management: A proven track record in developing lead management systems will be beneficial. Please let me know if you have an...

I'm in need of an expert ...need of an expert to develop an Android and web-based application for loan disbursement. The app is required to provide state-of-the-art, seamless and modern functionality to support the movement of loans from approval to disbursement. Features to be included: - User registration and secure login system. - Comprehensive loan application form. - Streamlined loan approval process. - Total dues calculation integrated in the system. The ideal freelancer should be proficient in Android and web development, with a keen eye for design, particularly a modern and sleek user interface. Experience in financial app development would be an advantage. I look forward to transforming this idea into a working application that delivers an easy and intuitive loan dis...