#a promissory note

[t-lostinworlds]

hello! gosh, i honestly have no idea what else to do anymore. i've been such a huge ball of anxiety these pass few days and i feel like i've got no other choice ://

so, enrollment for the next semester is this Monday (in 4 days), and idk why my school decided to do it during this time when most ppl don't get paid until the last day of the month/next month. as if that isn't enough, enrollments are also on a time limit and now that we get to decide our own schedules, it's also a race on who gets the subjects first. and if you can't pay for a percentage of the tuition fee upfront, you're going to get delisted so you have to pick your subjects again. the later you enroll, the fewer timeslots. so i could end up having a 6-9pm which isn't safe for me in this city especially when i commute alone. even worse, our tuition for this semester is much higher for some reason and we weren't warned about it.

i can't ask for financial aid from my school yet bc it's required to have at least finished 1 year before you're able to. i'm still trying to look for student/personal loan options bc most i've seen so far require a monthly that i just can't afford rn and it only covers 1 term instead of a whole year so it's not really that sustainable :(( (i don't live in the US btw so it's not a "start paying when you graduate" thing. taking out a loan means i still need to pay monthly while in school on top of other expenses, which as you can imagine, feels more like a burden than it is helpful.) i've also tried looking for scholarships but most only support stem/business courses bc this country isn't nice to artists so that sucks.

i honestly have very little money saved and with the sudden increase in tuition, it's hard to cover half of it even with my parents' help. and again, nobody is getting paid until next month so money is already tight as is with it being the end of th month.

so long story short, i need some help. the first installment for the fee (converted from my currency) is about $600. BUT. NO PRESSURE. i'm only asking those who have extra to spare. and any and all amounts are welcome. it's already going to be such a huge help. hell, even just a simple reblog to boost this already helps a ton.

but also, my commissions are open! so if u want to have a lil story in exchange for just a tiny bit of help, that'd be great too <3

here's my kofi and my pypl

again, no pressure! even a smallest amount already helps a lot. and also, pls do reblog to boost. i really appreciate you! i hope you're having a wonderful day <3 don't forget to take care of yourself too. sending you wonderful people love always ❤️

tagging some mutuals under the cut for a boost bc sometimes this doesn't show up in the tags anymore (but also you don't have too!! you can ignore this if u want alskalks)

@selfcarecap @hollandsmoose @shellshocklove @tanaka-drew @agaritas @userholland @thecodyexpress @annab-nana @hollandweather @annathesillyfriend @cumholland @jasntodds @quethekillerqueen @worldoftom (ily guys, i hope you're all safe and well ❤️)

[awesomecooperlove]

After more than six months of research brought about by five court cases in Canada and the U.S., where people were losing their homes, it became more than apparent that the Admiralty court system has been weaponized against We the People.

People have been losing their homes through a conspiracy to commit fraud, beginning at the highest levels of the banking industry. They're all in it — the courts, the BAR attorneys, the government, and law enforcement. It's the largest scam in the history of mankind. The numbers are staggering.

This is how they do it. Everybody needs to know what's been going on! SHARE, SHARE, SHARE!

���️☄️☄️

https://www.youtube.com/watch?v=H2a_nJ7oyk4

[tilbageidanmark]

200 Danish krone from 1997.

[whenyoulosesmallmind]

I fratelli Karamazov 1969 [EP1] - Dmitrij & Grušen'ka + misc.

So, I’m doing this. The fact that this drama is so little known breaks my heart, so I feel the need to share what little I can with you all - also because it’s making me crazy and I need to share this insanity, too.

part one (you are here!) | part two | part three

Some sparse notes before I leave this first short transcript under the cut: 1. I am not a professional translator, just an amateur, and my english has been mostly self taught, so you might find some imperfections in the adaptation-- don’t be shy and let me know, I do love to learn new language related things <3; 2. I picked these short scenes because I had never attempted a translation of this magnitude, mostly I just transposed my own writing which is a whole other thing, and I wanted to flex my muscles before doing anything longer and more complex-- for example, if this goes well I’d like to try my hand at the Ivan & Smerdjakov dressing scene or do the whole Great Inquisitor; 3. I tried to translate the closest to the original script as I could -- I say script but, well, I had to do my own transcripts because I can’t find even italian subs -- to mantain the same feeling, again if you want to shoot me a message to discuss choices I would love to talk about it! :); 4. I put timestamps and some very basic and bare stage directions if you just wish to read the script and not follow along with the drama, but I wholeheartedly suggest that you do because the acting is the icing on the cake that makes this adaptation so great; 5. you’ll notice I’m using a different spelling for the names as the common american english one, it is the one I’m most used to and what my translation of The Brothers Karamazov uses, so I decided to keep it-- for my sanity’s sake; 6. there will never exist enough words to express how pissed I am that english doesn’t have a formal you pronoun.

A propos of actors! In these scenes you’ll find: Corrado Pani as Dmitrij Karamazov, Lea Massari as Grušen’ka, Franca Mazzoni as Dmitrij’s housekeeper and Giovanna Galletti as Fenja.

Original script by Diego Fabbri, directed by Sandro Bolchi.

You can follow along with the drama here on YT or here on RaiPlay. The quality is shaky in any case, but I suggest you use RaiPlay (it does as you to make an account but is otherwise free-- and you can just link it to your Google account. It’s also the official source for the drama) as the YT bootlegs I’ve seen have the audio going out of sync after a while.

Now, before we get to the transcripts (under the cut), behold my humor (and why this drama’s so great and why Lea Massari as Grušen’ka owns my entire ass):

[INT. – AT DMITRIJ’S] min. 1:04

(knocking noises; Dmitrij is laying on the bed reading a newspaper)

Dmitrij: Come in! (more knocking noises) – I said, “Come in”!

Housekeeper (enters, carrying an envelope): It’s for you, Dmitrij Fëdorovič (reading the name on the envelope) – Dmitrij Fëdorovič Karamazov.

Dmitrij: Leave it there.

Housekeeper: Where?

Dmitrij: Wherever you like.

Housekeeper: Look, Dmitrij Fëdorovič, I’m leaving it here – it might be important, the man who brought it said, “The sooner he’ll come, the better will be for him.”

Dmitrij: Who said it was important?

Housekeeper: It was a bearded man, he gave me this and left with that warning.

*

[INT. – AT GRUŠEN’KA’S/FOYER ROOM] min. 1:50

Fenja (to Dmitrij): You must wait, Miss Agrafena Alexandrovna is busy; you might sit down in the meantime. 

(to Captain Snergirëv, who just entered) You’re already done, Captain? (he gives a court nod to Dmitrij and leaves without saying anything)

(to Dmitrij, who is barging into Grušen’ka’s study) – hey you! Wait a moment, just a moment!

[INT. – AT GRUŠEN’KA’S/STUDY ROOM] min. 2:12

Dmitrij (enters): Was it you who had me summoned?

Grušen’ka (looks up from her papers): Who are you?

Dmitrij: You don’t know me? I’m Dmitrij Karamazov, I came to–

Grušen’ka: You are Dmitrij Karamazov – well, I have some promissory notes in your name given to me by your father to collect. We’re working together, Fëdor Pavlovič and I, you didn’t know?

Dmitrij: But I don’t owe one ruble to my father – not one ruble! When I was a military officer he lent me money stealing from the inheritance my mother left me… and pretended I signed promissory notes… this is new, eh, Agrafena Alexandrovna? Theft secured by promissory note, a dirty swindle of which I am the victim.

Grušen’ka: Your father knows how to deal in other people’s money like few others.

Dmitrij: It is a sad family story and the protagonist is him – Fëdor Pavlovič! My father! They say you know him well, very well.

Grušen’ka: Your father is greedy, greedy for anything.

Dmitrij: For you, too? – Be careful, he’s a Karamazov, damned even by demons, his soul is stained – me, I’m not a son to him, I’m a dog who hunts in dark hallways, hissing “The law will be on my side, only a judge may decide, the money is mine!”, and so the buffoon makes me look like the perpetrator.

Grušen’ka: The role of the victim doesn’t suit you very much but – you too, I don’t know how to say it, you seem obsessed by something, too.

Dmitrij: I’m a Karamazov too, why should the worms that are corrupting my father spare me instead? (rubs his forehead nervously, sits down on the couch) – I’ve known you for such a short time and already I’m confessing myself, this bothers me, why do I speak to you with such brutality?

Grušen’ka: Because you’re a savage (laughs) – as I am, after all! I’m a peasant, Dmitrij Fëdorovič, eh, don’t be formal with me. Mah, maybe you’re wrong, but maybe you’re right, too, I don’t know; anyway here are your promissory notes, take them, I’m not interested in them anymore.

Dmitrij: No – they belong to the old man, they must be deducted from what he still owes me, return them to him! Thank you… thank you Agrafena Alexandrovna.

Grušen’ka: Call me Grušen’ka – and don’t believe too much in my kindness, no, I can be very greedy too: you see, those who spent a childhood in misery as I have cannot be very soft; they might feel something else, though, another thing…

Dmitrij: –pity?

Grušen’ka: Oh, savages like you are cannot inspire pity – anger, maybe… or–

Dmitrij: –or?

Grušen’ka (calling out): Some tea, Fenja, bring us some tea.

[custom-agreements]

Promissory Note Sample

What are the Key Things Involved in a Promissory Note?

A promissory note is a legal document that is often used in loans and financing arrangements. It serves as a formal acknowledgment of a debt and outlines the conditions for repayment. Both borrowers and lenders need to understand the key components of a promissory note, to ensure clarity and protect their interests. Here are the crucial elements involved in a promissory note sample.

Principal Debt Amount

It is the total sum of money that the borrower agrees to repay. This figure is critical as it establishes the basis for all future calculations regarding interest and repayment. This amount must be clearly stated in the promissory note to avoid any misunderstandings between the parties.

Interest Rate

The interest rate is the cost of borrowing the principal amount and is typically expressed as a percentage. It can be fixed or variable, depending on the terms of the agreement. The interest rate directly affects the total amount the borrower will repay over the life of the loan.

It is crucial to include the interest rate in the promissory note template in Texas, to ensure that both parties have a mutual understanding of the cost of the loan.

Maturity Date

The maturity date is the deadline by which the borrower must repay the entire principal amount and any accrued interest. This date is essential as it provides a clear timeline for repayment, allowing both parties to manage their financial expectations.

Payment Schedule

The payment schedule outlines how and when the borrower will make payments toward the principal and interest. This can include monthly, quarterly, or annual payments, depending on what was agreed upon.

Date of Issuance

This date is important for record-keeping and for determining the timeline of the loan. It helps establish the legal standing of the note and can be crucial in the event of a dispute.

Place of Issuance

This can have legal implications, as different jurisdictions may have varying laws regarding contracts and debt obligations. Specifying the place of issuance helps clarify which laws govern the note.

Issuer's Signature

It signifies the borrower’s commitment to repay the debt under the agreed-upon terms. Without this signature, the note lacks legal enforceability, and the lender may face difficulties in collecting the debt.

A promissory note is a vital document in financial transactions, and its key components help protect the interests of both parties.

Discover more about Florida promissory note by reading this blog here

[harleyrrojar]

Secure Your Financial Future with Promissory Note Investments

Explore promissory note investment opportunities with Mountain West IRA, Inc. Their platform offer secure investment options through promissory notes, providing potential returns for informed investors. Contact them for further information!

[freelegalcontractsnews]

Free Promissory Note Template

How Promissory Notes Can Be Useful For Different Types Of Businesses?

Promissory notes are legal documents that outline a promise made by one party to pay a specific sum of money to another party at a specified time. While they are commonly associated with personal loans, these types of documents are also essential for various types of businesses. Understanding which types of businesses need promissory notes can help entrepreneurs protect their financial interests and ensure smooth transactions. Here is a closer look at the businesses that benefit from using free promissory note template:

1. Small Businesses

Whether securing a business loan from a bank or receiving investment capital from individual investors, small business owners use promissory notes to formalize the terms of the agreement and establish repayment schedules.

2. Startups

Startups in their early stages of development frequently turn to promissory notes to raise funds from:

Angel investors,

Venture capitalists, or

Friends and family.

These notes provide a legal framework for investment agreements and outline the terms under which the startup must repay the borrowed funds.

3. Real Estate Ventures

Promissory notes play a crucial role in real estate transactions, especially for:

Property developers,

Investors, and

Mortgage lenders.

While purchasing or selling property, a promissory note template in Texas can be used to document seller financing arrangements, mortgage loans, or private lending agreements.

4. Construction Companies

Construction companies often use promissory notes when subcontracting work or purchasing materials on credit. These notes help establish payment terms between contractors, subcontractors, suppliers, and clients, reducing the risk of disputes and ensuring timely payment for services rendered.

5. Manufacturers and Suppliers

Manufacturers and suppliers frequently utilize promissory notes when extending credit to customers for bulk orders or wholesale purchases. By formalizing credit agreements with promissory notes, businesses can mitigate the risk of non-payment and maintain positive cash flow.

6. Service-Based Businesses

Service-based businesses, such as consulting firms, marketing agencies, and freelancers, may use promissory notes to secure payment for services rendered. These notes serve as legally binding agreements that outline the terms of payment, including the amount owed, due date, and any applicable interest or penalties for late payment.

[free-legal-documents-blog]

Free Promissory Note in Texas

Student Loan, Mortgage Loan and Corporate Credit Promissory Notes – What Should You Know About?

Promissory notes serve as legally binding documents that outline a borrower's promise to repay a debt to a lender. These financial instruments come in various forms, each tailored to specific contexts. Know about 3 crucial types of promissory note sample.

Student Loan Promissory Notes

These are agreements between a borrower and a lending institution, typically a government entity or private lender, providing financial assistance for educational pursuits. These notes often feature fixed or variable interest rates, influencing the overall repayment amount.

Student loan promissory notes may include grace periods, allowing borrowers time post-graduation before repayment obligations kick in. Borrowers facing financial hardships may qualify for deferment or forbearance, temporarily postponing or reducing payments. Understanding the terms within student loan promissory notes is crucial for students navigating the complex terrain of educational financing.

Mortgage Loan Promissory Notes

Mortgage loan promissory notes form the foundation of home financing, outlining the terms between a borrower and a mortgage lender. This type of free promissory note in Texas details the principal amount, interest rate, and repayment period.

The property being financed is identified and serves as collateral. Mortgage loan promissory notes outline the consequences of default, including potential foreclosure. Home buyers must comprehend the intricacies of these notes, ensuring informed decisions throughout the home ownership journey.

Corporate Credit Promissory Notes

Corporate credit promissory notes are agreements within the business realm, where companies borrow funds from financial institutions or investors. Business leaders must carefully analyze corporate credit promissory notes, ensuring alignment with their strategic and financial objectives.

These notes articulate the purpose for which funds are borrowed, whether for expansion, working capital, or other business needs. Such promissory notes specify the repayment schedule, interest rates, and any potential penalties for default. Lenders may include covenants to protect their interests, imposing restrictions or requirements on the borrowing company.

Whether navigating student loans, securing a mortgage, or managing corporate finances, a thorough understanding of these promissory notes is essential for making informed financial decisions. While promissory notes share the common thread of being binding agreements for debt repayment, the nuances within each type are critical for individuals and businesses alike. You can easily find template for this kind of free legal form online.

[kc22invesmentsblog]

Tracing the Origins of Checking Accounts: Ancient Rome's Influence

Written by Delvin Modern banking services have evolved significantly over the centuries, and one such innovation that has stood the test of time is the checking account. Surprisingly, the roots of this financial concept can be traced back to ancient Rome. In this blog post, we will delve into the fascinating history of checking accounts, exploring their origins in ancient Rome and how they have…

[seven21exchangerules]

Selling a promissory note

The process of how to sell a promissory note. Visit: https://www.amerinotexchange.com/how-to-sell-a-promissory-note/

[free-legal-documents]

Free Promissory Note in New York

What Are the Best Uses of a Promissory Note?

When it comes to financial transactions and agreements, having proper documentation is essential. One of the commonly used legal forms online in the world of finance is the promissory note. A promissory note is a written promise to repay a debt, typically with specific terms and conditions.

Best Uses of a Promissory Note

While its primary purpose is to outline a borrower's obligation to repay a lender, there are several best uses of a promissory note. Read on and explore them in more detail.

1. Personal Loans: Promissory notes are commonly used for personal lending situations. If you are lending money to a family member, friend, or acquaintance, a promissory note helps establish a clear repayment plan, including interest rates, due dates, and consequences for default. It protects both parties and ensures that everyone is on the same page regarding the loan terms.

2. Business Financing: Promissory notes play a crucial role in business financing arrangements. Whether it is a small startup or an established company, businesses often rely on loans to fund their operations or expansion plans. In these cases, a free promissory note template serves as evidence of the loan and provides legal protection for both the lender and the borrower.

3. Real Estate Transactions: Promissory notes are widely used in real estate transactions, particularly in seller financing situations. When a buyer purchases a property directly from the seller and agrees to make payments over time instead of obtaining traditional bank financing, a promissory note outlines the terms of the seller-financed loan. It establishes the repayment schedule, interest rate, and consequences for default.

4. Student Loans: Many student loan agreements are structured using promissory notes. These notes outline the terms and conditions of the loan, such as repayment plans, interest rates, and deferment options. A free promissory note in New York helps ensure that both the lender and the borrower understand their rights and responsibilities, which is particularly important in the case of long-term student loan debt.

5. Investment Opportunities: Promissory notes can be used to attract investors or secure funding for business ventures. Startups and entrepreneurs often issue promissory notes to private investors as a way to raise capital. These notes provide details about the investment terms, including repayment schedules, interest rates, and any potential conversion options into equity.

[free-legal-contracts]

Legal Usage of Promissory Notes

What Explains the Legal Usage of Promissory Notes?

Promissory note is an important financial instrument that can be used to secure financing for large purchases, to document a debt settlement, or to guarantee payment for goods or services. It is an essential tool for both businesses and individuals alike. You can find a free promissory note template in Montana in any of the websites where free legal documents are available.

Legal Uses of Promissory Notes

Promissory notes are an important legal instrument in the financial world. They are used to document a borrower’s promise to repay a loan, and they are legally binding documents that are enforceable in a court of law. As such, promissory notes are an essential tool for both lenders and borrowers, and their use is highly encouraged.

These notes are an incredibly useful and versatile financial instrument. They are a legally binding document that allows one party to borrow money from another party, with the promise to pay back the loaned amount at a later date. Promissory notes are used in a variety of situations, from business transactions to personal loans. Simple promissory note is ubiquitous in use.  It is possible to find these being used as reference and as evidence in legal cases, where disputes arise with payment, purchases etc from time to time.

These are often used in commercial transactions, such as when a business borrows money from a bank or when a company issues bonds. In these cases, the promissory note serves as a written record of the debt and the terms of repayment. Promissory notes can also be used in personal transactions, such as when a family member or friend lends money to another person. In this case, the promissory note serves as a reminder of the debt and the terms of repayment.

Overall, these are a valuable legal instrument that can be used in a variety of situations. They provide a written record of the debt and the terms of repayment, which can be used to enforce the agreement in a court of law. Promissory notes are an important tool for both lenders and borrowers, and their use is highly recommended.

[custom-agreements]

Promissory Note Template in North Carolina

What are 3 Primary Types of Promissory Notes Used in North Carolina?

A promissory note is a legal document that serves as a written promise to repay a loan. In the state of North Carolina, promissory notes are commonly used in various financial transactions. Here are the 3 primary types of promissory notes used often in North Carolina.

1. Secured Promissory Note

This type of loan agreement includes collateral to secure the loan. The collateral can be an asset, such as real estate, a vehicle, or valuable personal property that the borrower pledges to the lender. If the borrower fails to repay the loan, the lender can seize the collateral to satisfy the debt.

Secured promissory notes provide lenders with added security. These often lead to lower interest rates compared to unsecured loans. This type of promissory note is commonly used for large loans, such as mortgages or business loans. There is more trust associated with these agreements.

2. Unsecured Promissory Note

An unsecured promissory note does not require collateral. It is a loan agreement based solely on the borrower's creditworthiness and promise to repay the debt. Unsecured promissory notes are commonly used for smaller loans, such as personal loans or loans between family members or friends.

Since there is no collateral involved, unsecured promissory note template in North Carolina often comes with higher interest rates. It helps to compensate for the increased risk to the lender.

3. Installment Promissory Note

An installment promissory note outlines specific repayment terms and conditions. With this type of promissory note, the borrower agrees to repay the loan in regular installments over a specified period of time.

Each installment includes both Principal and Interest payments, allowing borrowers to repay the debt gradually. Installment promissory notes are commonly used for various types of loans, including personal loans, auto loans, and business loans. This type of note provides clarity and structure to the repayment process, ensuring that both parties understand their obligations.

Promissory notes play a crucial role in financial transactions in North Carolina. Borrowers and lenders can navigate loan agreements effectively with a proper understanding of the primary types of promissory notes used in the state today.

Explore a related blog about promissory note in North Carolina on this page.

[methed-up-marxist]

"No one had fought more fanatically in the June days for the salvation of property and the restoration of credit than the Parisian petty bourgeois – keepers of cafes and restaurants, marchands de vins [wine merchants], small traders, shopkeepers, handicraftsman, etc. The shopkeeper had pulled himself together and marched against the barricades in order to restore the traffic which leads from the streets into the shop. But behind the barricade stood the customers and the debtors; before it the creditors of the shop. And when the barricades were thrown down and the workers were crushed and the shopkeepers, drunk with victory, rushed back to their shops, they found the entrance barred by a savior of property, an official agent of credit, who presented them with threatening notices: Overdue promissory note! Overdue house rent! Overdue bond! Doomed shop! Doomed shopkeeper!

Salvation of property! But the house they lived in was not their property; the shop they kept was not their property; the commodities they dealt in were not their property. Neither their business, nor the plate they ate from, nor the bed they slept on belonged to them any longer. It was precisely from them that this property had to be saved – for the house-owner who let the house, for the banker who discounted the promissory note, for the capitalist who made the advances in cash, for the manufacturer who entrusted the sale of his commodities to these retailers, for the wholesale dealer who had credited the raw materials to these handicraftsman. Restoration of credit! But credit, having regained strength, proved itself a vigorous and jealous god; it turned the debtor who could not pay out of his four walls, together with wife and child, surrendered his sham property to capital, and threw the man himself into the debtors’ prison, which had once more reared its head threateningly over the corpses of the June insurgents.

The petty bourgeois saw with horror that by striking down the workers they had delivered themselves without resistance into the hands of their creditors. Their bankruptcy, which since February had been dragging on in chronic fashion and had apparently been ignored, was openly declared after June." -Marx, The Class Struggles in France, 1848 to 1850

[rasrich]

YESTERDAY

is a canceled cheque

TOMORROW

is a

promissory note

TODAY

is the only cash you have

So spend it wisely.

[free-legal-documents-blog]

Free Promissory Note Template

The Importance of Promissory Notes in the Financial Industry: When Are They Necessary?

Financial companies operate within a complex world of transactions and agreements, making promissory notes a fundamental instrument for maintaining order and safeguarding financial interests. Know the necessity of a free promissory note template in the financial sector, highlighting their pivotal role in different aspects of the industry.

Formalizing Financial Commitments

Promissory notes serve as formal, written commitments in financial transactions. These types of documents, when borrowers seek funds from various financial institutions, outline the terms of repayment - including the principal amount, interest rate, and the repayment schedule. Such clear, legally binding agreements prevent misunderstandings and provide assurance to all parties involved.

Building Trust and Accountability

Trust is a cornerstone of the financial industry, and promissory notes play a significant role in establishing it. These notes offer concrete evidence of a borrower's commitment to repay borrowed funds. In case of disputes or non-payment, financial companies can utilize these documents as legal evidence to seek recourse, ensuring accountability and maintaining trust.

Portfolio Management and Diversification

A free promissory note template in Tennessee is a valuable asset for financial companies when managing their portfolios. They can be bought and sold, allowing diversification of investments and spreading risk. This flexibility permits financial companies to generate additional income while complying with legal requirements.

Documentation of Financial Transactions

Beyond loans and investments, promissory notes are essential for documenting various financial transactions. Companies often use these notes when making purchases, extending lines of credit, or engaging in financial arrangements. This documentation simplifies financial reporting and record-keeping while protecting the interests of the company.

Peer-to-Peer Lending and Crowd funding

The rise of peer-to-peer lending and online crowd funding platforms has made promissory notes even more crucial. These platforms connect borrowers directly with individual investors or groups, necessitating formal and legally binding agreements. Promissory notes have become the go-to instrument for structuring these transactions, offering clarity and security to both parties.

Promissory notes are indispensable in various facets of financial operations. These free legal documents establish trust, maintain accountability, and facilitate the trading of debt as an investment. Regardless of whether it is a traditional bank or an innovative fintech startup, these documents are integral to the integrity and transparency of the financial industry. As financial landscapes continue to evolve, promissory notes will remain a cornerstone of stability and confidence in the financial world.