An overview of the business-cards sizes used throughout the world. Please, note that the western business cards size is the most common size seen in Europe but in no way the only person. Most business cards are printed, and used horizontally, but it isn’t uncommon to use it vertically.
Business cards are designed with bleed. An index credit card is heavy paper stock cut to a standard size. Index credit cards are often used for documenting singular items of information that may then be easily rearranged and submitted. The most frequent size used in both the USA and Russia are 3 x 5 in. (hence the nickname-3-by-5 card). Creating new and creative business cards design is a lot harder than it seems when you begin to focus on one.
Most business credit cards already need to include a great deal of information & most clients can make you add even more if you don’t go and stop them. An example of a minimalistic business card design. The fact that you have so little space to utilize only makes this more challenging. We have collected some links to look at excellent designed business cards by other designers.
Fitton told Cybercast News Service, pointing to similarities. The 1996 Clinton fundraising scandal, categorized as “Chinagate” involved numerous anecdotes but never produced a smoking gun. Clinton friend Yah Lin “Charlie” Trie pleaded guilty to charges of violating advertising campaign finance rules in trade for having pending indictments decreased against him in Washington and Arkansas.…
I am a teacher. That is how I explain myself to anyone who chooses to ask me what I really do for a full-time income. I am not a professor (sounds pedantic and pompous), definitely not an academic (how boring is that..) and don’t consider myself any other thing more when compared to a dilettante on nearly every topic that I keep forth on.
It is in search of my teaching mission that I have put my regular classes online for most of the last 2 decades, though technology has made that writing easier. I still remember the first semester that I shared a course with an online audience was in the 1990s, when the internet was still in its infancy, we were using dial-up modems and phones were linked to landlines still. I recorded my regular classes using a VHS camcorder onto tapes and then converted the tapes into videos of woeful quality, but with passable audio.
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I submitted these, but with only minimal additional material, since writing was both frustrating and difficult to do. Obviously, the internet has grown and made sharing easier up, with class recordings now being made with built-in cameras in classrooms and converted to high-quality videos quickly, to be watched on tablets on smart phones.
Here, for instance, is my entire Spring 2017 valuation class, with …
We already have discussed Decision Package and Budget Request in-detail in my previous postings. Decision Packages are a real way to provide a finance request for an application or a new initiative. I’ll not give you more summary of DP and BR but will highlight how to create DP/BR. The settings procedure for DP and BR is complex enough and require deep knowledge of Hyperion Planning and Budgeting applications with business understanding.
After Meng’s arrest, many of Huawei’s Chinese employees shared articles on their cultural media accounts to aid each other, claiming that the business can definitely get through this difficult time. Some observers suggested that Huawei’s foreign and Chinese staff, who hold different attitudes at work often, could see its struggles in a different light. Many Chinese staff work very difficult abroad because of Huawei’s motivation stock options. Chinese employee “Eric, a year in Mumbai” who worked at Huawei from 2009 to 2013 and spent, India. Working extended hours is powered by growing business.
Many employees recognize that the better financial performance Huawei has, the more earnings its employees could discuss in accordance to employee stock ownership plans. However, to become a true global technology firm, Huawei shall need to diversify its command, Plummer suggested. As the full case of Meng has come into the judicial system, some think that Huawei’s situation is certain to get worse, though there is no evidence for the united states allegations even. Looking into this dilemma, the business’s aggressive and customer-centered business strategies …
The UK taxes system crudely divides people’s income into ‘investment income’ and ‘earned income’. By and large, the investment income is only liable to tax, not National Insurance. NI is regressive taxes, so in % conditions, this exemption benefits basic rate taxpayers more than higher-rate taxpayers. The logic behind this is tenuous highly, it is dependant on The Big Lie that NI is some sort of pension or unemployment insurance, but there you go.
However, investment income (i.e. income from shares) differs from attained business income in that you cannot state any expenditures against it. Which means you cannot claim a deduction for interest paid on money you borrow to buy shares (except in very slim and actually quite sensible circumstances). Again, fair enough, you don’t want to taxes effort too highly, easier to taxes the plodders. According to usual, landlords get the best of both worlds. For NI purposes, it is investment income, and therefore exempt, but magically, for income tax purposes it is earned or business income and interest is an allowable expense.
So it ought to be one or t’other. Whether you earmark this extra cash for building interpersonal housing or anything else (like reducing fees on employment) is unimportant. It’s about trying to help make the tax system reasonably coherent. £45 billion is pie in the sky. £4 billion would be an optimistic estimation (i.e. as much again as Inheritance Tax), it would be naff all realistically. Pension pots are taxed as they are mainly shares …
New Jersey is interested in dealing with businesses of most sizes to help improve local and State economies. We are committed to buying businesses as they give to the Garden State by causing New Jersey their house. Are you currently doing business in NJ? Thinking about here making a move? Whatever your position, we can support you in finding the resources you will need to achieve success. NJ offers a multitude of financing, incentive, taxes assistance, and credit programs designed to support your development and relocation needs.
You need to modify the invalid record(s) in the Lockbox Transmission Data window, then resubmit the Validation step for the receipt before Lockbox can transfer it into Receivables interim desks. None: Receivables will not perform line-level cash software for the Lockbox run. None is the default collection level cash application option for new setups and migrated data. Oracle Lease Management: Receivables calls Oracle Lease Management to solve the matching quantities and populate the invoice, invoice lines, and real amounts to be applied to the invoice lines.
Custom: Receivables phone calls a seeded custom program to solve the matching figures and populate the invoice, invoice lines, and the actual amounts to be applied to the invoice lines. Define the Transmission Format which Auto Lockbox uses when importing data into Receivables. Batch Header: A Batch Header signifies the beginning of a particular batch. Batch Headers usually contain information such as batch amount, deposit day, and lockbox number.
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Earn your advanced degree at one of the country’s most respected establishments. DePaul University and its Kellstadt Graduate School of Business are nationally positioned and well-known among major employers. Our faculty is renowned and respected for thought leadership, academic achievement and research success. Our part-time MBA program was the third highest positioned in Chicago in Bloomberg Businessweek’s 2015 “Best Business Schools” search positions.
Achieve the career results you want and expect. Every year, almost all advanced degree holders from Kellstadt will work and energetic in their chosen areas. One reason: the Kellstadt Career Management Center. The Kellstadt Career Management Center offers a unique and valuable mixture of career planning resources. Specialists at the guts provide you with individualized support and the advantage of their close relationships with employers and firsthand industry knowledge to help you reach your career goals.
The plural form of the singular noun sister is sisters. The plural form of the singular noun business is businesses. To create the possessive of plural nouns that end with an “s”, add an apostrophe after the “s” (s’): The plural possessive for sisters is sisters’. The plural possessive for businesses is businesses’. Examples: My sisters’ titles are Linda and Lois. The businesses’ windows along Main Street are decorated for the vacation. Is the ladie’s golf club singular possessive or plural possessive? The ladie’s club is not just a right possessive form.
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Weihrich and Koontz described Management and described it the following in the tenth model of their book Management: A Global Perspective (p.4). 1. As managers, people perform the managerial functions of planning, arranging, staffing, leading, and managing. 2. Management applies to any type or kind of organization. 3. It applies to managers at all organizational levels. 4. The purpose of all managers is the same: to create a surplus.
5. Managing can be involved with productivity; this implies effciency and efficiency. The procedure of management can be better understood by breaking it down into the five basic functions of a manager – planning, organizing, resourcing, leading and controlling. All of the management concepts, principles, theories and techniques can be grouped under these five functions.
All managers carry out managerial functions. However the proportion of time spent for each function may differ from level to level. The very best managers may spend more time on planning in choosing the organization objectives and business unit objectives and in developing the work system and the business structure. The first level supervisors may spend more time in leading the personnel under them and in doing operational control. Managers require four types of skills: technical, human, conceptual and design.
3. Conceptual skill is the capability to see the “big picture.” It is the ability to recognize significant issues or elements in a situation and to understand the associations among these key issues. 4. Design skill is the ability to solve problems with techniques that benefit …
After a nice short 3D/2N saturday and sunday in Bangkok, it is time for you to go air travel and home home is on MAS MH775. This Cathay Pacific Lounge is a much more better lounge in term of comfort, facilities, food and beverages compared to the CP Lounge which MAS uses for its business class and frequent fliers. A short 1h40′ airline flight from Bangkok to Kuala Lumpur.
It also will most of the work as far as brand identification and warehousing and delivery of your product. You may be necessary to keep a certain amount of inventory readily available but it can frequently be held in a wardrobe or spare room within your house. With less preliminary startup cost, hardly any advertising cost (you and person to person are your advertising), no employee or storefront expense this is a much better option for the average indivdual looking to start a home based business.
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4. MULTI LEVEL MARKETING – MLM and direct marketing are similar in many respects. An MLM company uses its money to motivate its distributors and not towards the national public through advertising campaigns. When looking at MLM, you might have heard of companies such as Shaklee or Scent-sations. The largest difference between Direct Marketing and MLM is that Multilevel Marketing can …
A recent answer a comment on a discussion board that presense of business procedures were negative in a business promoted this response. Process technology and folks need to be in balance. Processes are essential However, without them you have high variability of managed customer encounters and high costs. Processes are as much important possessions as people. What we should see so often is terribly designed standardization leading to a few of the appaling customer encounters that we have to deal with today as customers. So because the process design is done terribly is no reason to refuse the worthiness of process management.
The people’s concern is interesting. Businesses say people are their main asset as well as perhaps these are but most neglect to treat their employees and engage them correctly. Corporate and business mantra of HR is that individuals are our possessions but the fact of the doesn’t often manifest in how individuals are treated.
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The company then sends you a detailed offer and after the both sides recognize, they start the development process. They are some usual steps for some companies, but the application development services that follow are different in each ongoing company. If you’re looking for ways to conquer new markets and grow your small business, mobile apps may be the strategy to use for you.
Identify the functionalities you desire your custom application have and find the company to develop …
Businesses must renew their Kansas Certificate of Authorization every 2 yrs to avoid expiration and/or cancellation. Each Certificate a business keeps needs renewed separately by the main in accountable charge. Business names beginning with letters A-L renew in even-numbered years and business names you start with letters M-Z renew in odd-numbered years. Each renewal period allows 60 times to renew before certificate expiration and then yet another 60-day sophistication period before certificate cancellation. A business might not offer to practice/ make any bids with an expired or canceled certificate.
The only way I could see of achieving setting properties would be to make a function and pass them into a Java course method. With this course I should have the ability to pass in the e-mail properties and store them ready to be retrieved in the main email course. The function necessary to be authorized with essbase which was done using a mail command. So now I could use the custom function @SetEmailProps in a small business guideline script passing in two string parameters one as the key and the other as the value.
The only problem is you can’t just use the function any place in a script it has to be treated like a Calc command word. The rule validated and ran without mistakes, so it was time to make a Java class which would retrieve the properties and send the e-mail predicated on them.
- How can you handle an instance of receiving criticism from a superior
I wouldn’t be amazed if the F&B industry – Restaurants, Cafes, Snack Bars and Food kiosks – have the best rate of new business opportunities of any industry in the world. You will find a wide variety of eateries that, just in KL even, it could take years to consume in every solitary one of these probably. Rendering it ideal for us food lovers, of course. Each new restaurant that opens up potentially brings new flavors and pushes the typical of food gradually upwards.
But on the flip side, this also means that restaurants that don’t adapt to risk getting left out. Just to illustrate for me personally – five years or so ago I thought Secret Recipe’s Lamb Shank was absolutely delicious, per month eating it sometimes twice or 3 x. But nowadays I’ve found it just mediocre-tasting at best.
It’s with this thought at heart, then, as I find myself with the family hunting down a ‘famous & delicious steamed fish head’ somewhere in Jalan Raja Laut. It was one of my dad’s personal favorite main places back when he was employed in Kay-El. He hasn’t been back again here for over 10 years, though, so we’ll find out if the restaurant has been able to stay relevant. Initial signs are stimulating – the restaurant is full house! Anyway, being a Chinese style restaurant, we go for a bunch of meals, you start with Potato Leaves for the night’s quota of me.
Ong Lai undertakes the Kung Pao …
In the past, everyone could take pride in working for large, multinational companies. The current tendency of downsizing and outsourcing, however, has brought major changes in the employment landscape. One thing for sure, as job security becomes a plain thing of days gone by, many are turning towards starting their own house-based businesses. Job security has its merits, and a home business is, arguably, not for everybody. But for individuals who are thinking about making this change, a change in mentality is completely important.
There are many bad habits that rest dormant in all of us. You need to change these bad behaviors and develop new good behaviors to endure as a business owner. And perhaps these can be ‘borrowed’ from your existing or former corporate work environment. In corporate and business culture, you are accountable only for what your job requires one to do. In most jobs however, you are hardly accountable for the survival of the company. Your contribution, as compared to the whole, is only marginal.
You can make errors and get away with it. Your task is easily replaceable. As a business owner, however, you might find the global world to be less forgiving. A mistake can cost you your complete business. It is vital for anyone who would like to start their own home-based business to think about this fact.
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A series of boxcars for the Port Hawkesbury (Point Tupper), Nova Scotia paper mill entered service in 1998. Spiffy when new! GTW 406418 continues to be working around with CN multitask and lettering. My observations: Date, automotive number, CN practice on. When noting observations, I am aware of them as ‘CNA Ports BO’.
Aug 1/98 CNA 406356 Dest. Mar 19/99 CNA 406450 Dest. Mar 27/99 CNA 406299 Dest. Four of CN’s business vehicles headed by means of Kingston on May 20 on a late-working CN No 120 and assembly CN No 305. Power automobile Pacific Spirit, dome American Spirit, entertainment automobile Tawaw and theater car Sir Sandford Fleming. Due to Malcolm Peakman for the heads-up! Looks like Alejandro Aranda will continue making music his own approach, with the opportunistic Laine Hardy taking the American Idol competition, not like my previous prediction. A star-studded finale together with Checotah, Oklahoma’s personal Carrie Underwood!
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The median pay also extends past normal base compensation. It factors in bonuses, commissions, and revenue sharing. However, it excludes equity, retirement, and non-money benefits like healthcare. This places colleges like Stanford, which locations a larger segment of scholars in early-stage startups, at an obstacle. PayScale additionally doesn’t alter numbers to accommodate regional pay differences.
To be ranked, MBA applications should generate a minimum …
Are you a university bound student on her behalf way to one of the premier institutions of the country? Well great job on taking the first rung on the ladder to the realization of your dreams. Another issue is finding an appropriate roommate. It is a well-known fact that most of the students cannot afford to live alone. A huge advantage of having a roommate is that you will be able to save significantly on rent. Now it is possible so that you can afford a much bigger apartment which would not have been possible if you were living all by yourself.
You may face some unexpected occasions but if you have a roommate with the right chemistry you will finish up with a beautiful experience. After the college years, when you decide to move home you may even start missing them considerably back. Take the full case of Debbie who had her first roommate Sarah during her university days. Sarah had her classes each morning around 8 am and Debbie being a little of a night owl would wake up much later.
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Sarah didn’t want to disturb Debbie so she would fix up her breakfast time the night time before so that …
If you build a Facebook Page, will followers come? This is actually the great hope for many businesses. However, enthusiasts do not magically show up from the Facebook mist. People must be lured to your fan page. And there are some bad and the good ways to start doing this. In this article, I’ll share a large myth and 21 ways to drive more fans to your Facebook fan page.
There’s a great myth that once you create a Facebook fan page for your business, the first thing you must do to get fans is invite All of your friends from your personal profile using the “Suggest to Friends” feature. Unfortunately, this strategy might not be that effective and can, in fact, backfire often.
I have seen many industry gurus complain that when they decline a fan page request, it’s annoying to continue to be asked over and over. Facebook users can only like up to 500 web pages and may desire to be selective. Fan page suggestions may often build up, unnoticed. At last count, I have 593 overlooked fan page suggestions and am already a fan of 500! To aggressively pursue all your friends to become listed on your fan page – for no apparent incentive – is counterintuitive to the type of socialmedia.
Without Library Park’s band-shell and power retailers, organizers shall have to employ a generator and portable stage. “Honestly, I put in the deposits for the artists, but I have no idea how exactly we …
You have a note From randomblogger on Etsy. I am a stay at home mother and I’ve a blog that I frequently update at called RandomBlog. My blog has over 800 followers and a Google page rank of 3. I really do an attribute on my blog called the “Etsy Shops I REALLY LIKE”. I simply found your shop, and I had been wondering if you would be thinking about sending me one of your adorable products, and is quickly shall post pictures and an assessment of it on my blog. I can execute a giveaway of your projects also! I’m sure you would get some new business from it!
Please i want to know if you want and what information you’ll need from me. These email messages are got by me on a semi-regular basis. I don’t know why, but they are mostly from women who’ve blogs focused on raising children in aesthetically pleasing environments. Somebody inform me why this is.
And don’t tell me it’s because these are former corporate and business sharks who gave it up to be always a stay at home mother, and now they’re broke and want free cupcake stands. Mostly, I disregard these emails, since it appears to be a transparent trolling free of charge stuff. This last email I received was annoying to me particularly, which is no big offer since I get irritated very easily.
And on a regular basis. Perhaps, I should do more yoga or stop consuming so much …
Many parents are cautious with the thought of homeschooling their children because they do not know much about any of it. If you liked this short article in addition to you desire to obtain more info about online yoga teacher training generously stop by our own website. However, homeschooling is popular than ever, and there are various ways to go about it. To find out more about homeschooling, keep reading this article, and that means you can keep yourself well-informed about this approach.
When you have a variety of age range in your homeschool environment, you can use older students to teach the younger ones. That is true of reading especially, where those who read well can read to younger kids, pointing out words they might not be able to read on their own yet.
Even homeschooling teachers and students want to feel included. For what good reason, you should both consider signing up for a homeschooling support group. Your student(s) are certain to get to talk to other kids who understand the lifestyle and difficulties of homeschooling. Likewise, you can get insight, advice, and general support from other parents that have struggled with and succeeded at homeschooling already.
If you must concentrate on two things, specifically, concentrate on reading and math. These topics can be difficult for some children to learn. Also, they are going to be the most-used subjects throughout their lives. Good mathematics and reading foundation will help them throughout the rest of their schooling and lives.…
There is nothing beats each day of retail therapy. However, if you shop offline you suffer from traffic, travel time and other shoppers. Shopping online is a superb way that you should get the perks of retail therapy without any of the drawbacks. Should you liked this post as well as you desire to be given more information regarding stair parts kindly visit the web site. To make things better even, below are a few online shopping tips.
Get engaged in the sociable media of your favorite online stores. Brands with big online presences put a lot of money in back of their social press typically, and which includes offering their followers some mega-discounts and exclusive offers. You can be one of the lucky ones scoring these deals with only a quick fanning or follow.
Be extra careful when you look for shopping deals on social mass media. Although it’s a terrific way to get announcements regarding sales and coupon-codes, sociable mass media accounts can be impersonated or even out-right hacked easily. Get …
Presenting and public speaking will not be one thing folks anticipate carrying out. Actually, public discussing is probably the something that frightens by far the most men and women. Why would be that the situation? If you have any inquiries about the place and how to use personal branding, you can make contact with us at our web-page. Effectively you might be about to discover in the following article, and you will definitely get sound advice that will help folks overcome their anxiety about presenting and public speaking. Read on to have well-informed on the way to develop into a very good public lecturer.
Know what sort of viewers you will be speaking to. If you have a way, get things out about some individuals from the viewers. If you have the opportunity, greet as many as you are able to and request their labels as they enter in the space. This should help you relax and then make it much more like you will be speaking with close friends than other people.
Use a clock once you practice in order to verify the duration of your conversation. After that you can change your dialog thus it does not expand beyond the time permitted. If you find that your speech is incredibly short, look at here at beefing it up after some investigation. Just don’t hurry with the dialog.
When you have to articulate openly, keep it at 20 minutes or significantly less. Here is the regular consideration length …
Men and women all around the globe have ambitions of a single time starting up their very own organization and taking pleasure in a steady flow of income that will not require those to be employed by other people or acquire orders coming from a higher food sequence. This can be a really reachable objective and a lot of do accomplish it, but it may take some hard work and commitment. If you have almost any concerns concerning where along with how you can employ curso de informática, you possibly can e-mail us from our own internet site. The following advice are a fantastic way to obtain your ideal on the road to a real possibility.
Taking up the dedication of the online business will demand trustworthy initiatives on your part. You may want to construct your own house business office that the clients can get into, since several counties have workplace polices. It also helps you stop your operate existence and house daily life from melding into one unit.
Make a business office for yourself. Should you don’t use a complete place for your company, a minimum of build a specialized room for your personal operate. Like that you will end up clearer about what you’re performing. When you’re in this area, function. When you’re not in this space, don’t function.
Check out e-snail mail 1-2 times per day. Anyone who has ever a serious issue can phone you, but don’t check out e-email all day long. Looking …
While you want to management everything in your organization, it’s a two way road. Your potential customers get the last say jointly, and that is why company reputation managing is unquestionably a tremendous issue with regards to dealing with your organization affairs. It’s a chance to get true about some enterprise track record control.
Host prize draws to assist reinforce your reputation. This is especially important if you have obtained a negative assessment. A competition will provide a great deal of optimistic information about your company which will help enhance your company’s coverage online. This procedure will likely assist boost your page rank on the internet search engines like yahoo.
To maintain an even more cautious eyesight in your company standing, attempt setting up an alert process. This can be a every day email you get that lets you know as soon as your organization has become pointed out on the web. They are doing price some cash and have a limited time to setup, nonetheless they can provide a good amount of helpful information.
If your enterprise is shown on the ranking internet site that allows company owners to respond, ensure that you take advantage of this. If the feedback you are offered is great or awful, you ought to answer it. Give thanks to people who have only praise and offer something to people that are unsatisfied.
Social websites might be a close friend or enemy of your own business. You should discover ways to apply it …
Nowadays getting powering on bills is quite bothersome. If you have any inquiries concerning where and the best ways to utilize Bad Credit Car Loans, you could contact us at our own site. From paying off your car to spending your hire, everything ends up needing to be paid out promptly. Should you be inside a combine and considering a cash advance as a method out, keep reading for some valuable assistance on the subject.
In case you are thinking about a brief expression, payday advance, tend not to acquire any more than you have to. Pay day loans ought to only be employed to help you get by in a crunch and not be used for extra cash through your bank account. The rates of interest are way too high to borrow any more than you undoubtedly require.
Usually do not dash on the nearest payday lender to acquire a loan. Although this may wait the loan slightly, you could potentially preserve lots of money in costs and curiosity. Researching for a few minutes will save you more than a handful of hundreds of dollars.
All cash advance companies aren’t developed in a comparable way. You might find a lender who provides reduce charges and much more equitable terms for payment in the event you spend the time to assessment-store. Doing some analysis on diverse creditors will spend some time, however it can help you cut costs and prevent frauds.
Look into each financial option. By comparing paycheck …
It is well known that not all education and learning strategies are the same. Some offer a better option for your children to learn almost everything that will assist them later on as men and women. That’s why mother and father ought to pick the best education and learning solution by means of home schooling. If you have any kind of concerns relating to where and the best ways to make use of cybersecurity workshop, you could contact us at our site. Discover more about home schooling by reading this article report.
Usually do not assume homeschooling to be effective seamlessly right from the start. It takes up to and including year before you decide to resolve in an excellent flow with homeschooling. Even though you have knowledgeable yourself in regards to the process prior to starting the skill to really make it all operate easily requires serious amounts of produce. Exercising perseverance and you may become more successful.
Find an assist number of other homeschool mother and father. When you train your kids in your house, often you may sense isolated. The support group of people may help you deal with problems and problems that are sophisticated. You can be helped by the sharing of several views and approaches, and you may utilize those to your very own programs.
As you lay out your goals, ensure that they span the full timeline of the kids’ schooling. You should have objectives which are easier to reach to make certain …
It really is challenging to question the amazing advantages that online shopping will offer practically anyone. The easiest method to make the most value for your buck whilst buying via the Internet is to do some study ahead of time. If you cherished this article so you would like to collect more info regarding dior sunglasses nicely visit the page. By learning the data that comes after, you will have the various tools to become winner shopper.
A terrific way to remain safe when you shop online is to avoid clicking any internet deals with that are delivered to your e mail. Should you be expecting an e-mail coming from a business, proceed to the genuine site, and never simply click any hyperlinks. Legitimate enterprises usually do not give e-mail requesting personal data or account information.
When you shop on-line, pick the best delivery policy. Frequently companies offer you expedited shipping and delivery. However, after receiving the product or service some day earlier can cost you around 2 times the conventional shipping price. Consequently, when you can hold out on the item to come employing regular transport rather than expedited transport, opt for normal shipping and delivery to economize.
If you’re producing an internet acquire, don’t be reluctant to get hold of customer support in case you have an issue. By calling customer service before making your get, you’ll find out how useful customer satisfaction is and the way easily they respond. This can be useful information and facts to …