Money Stack

Deliver an awe inspiring pitch with this creative business strategy development process budgeting and controlling operations and taxes sales inspiration pdf bundle. Topics like sales expenses, rent or mortgage, operating, business expense budget can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.

Deliver an awe inspiring pitch with this creative corporate regulation budgeting and controlling operations and taxes supplies ppt professional layouts pdf bundle. Topics like budget, maintenance, sales expenses, utilities, supplies can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.

Deliver an awe inspiring pitch with this creative budgeting and controlling operations and taxes supplies business analysis method ppt outline inspiration pdf bundle. Topics like budget, maintenance, sales expenses, utilities, supplies can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.

Deliver an awe inspiring pitch with this creative Employee Attrition Rate Management Expenditure And Budget For New Retention Policies Formats PDF bundle. Topics like Retention Policy, Cost Usd, Cost Retention Policies, Policy, Rewards can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.

Deliver an awe inspiring pitch with this creative Private Capital Scorecard Firm Private Capital Scorecard With Macro Reports Clipart PDF bundle. Topics like Issuer Reports, Target, Equities Group can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.

The slide showcases the quarterly results of the insurance company, it covers total revenue, operating expenses, operating profit, depreciation, interest, tax, net profit and net profit TTM. Slidegeeks is one of the best resources for PowerPoint templates. You can download easily and regulate Insurance Business Financial Analysis Insurance Company Quarterly Financial Result Background PDF for your personal presentations from our wonderful collection. A few clicks is all it takes to discover and get the most relevant and appropriate templates. Use our Templates to add a unique zing and appeal to your presentation and meetings. All the slides are easy to edit and you can use them even for advertisement purposes.

This slide covers companys business model covering value propositions, partners, activities, resources, channels and revenue streams. The purpose of this template is to provide an overview on revenue generating business activities along with resources such as platforms, network, technology, etc. Boost your pitch with our creative Business Model Investor Funding Elevator Pitch Deck For Online Learning Platform. Deliver an awe-inspiring pitch that will mesmerize everyone. Using these presentation templates you will surely catch everyones attention. You can browse the ppts collection on our website. We have researchers who are experts at creating the right content for the templates. So you do not have to invest time in any additional work. Just grab the template now and use them. This slide covers companys business model covering value propositions, partners, activities, resources, channels and revenue streams. The purpose of this template is to provide an overview on revenue generating business activities along with resources such as platforms, network, technology, etc.

This slides shows the company financials Total revenue and Total profits before the implementation of the strategies.Deliver an awe-inspiring pitch with this creative company financials before the implementation of strategies formats pdf. bundle. Topics like total revenue, key intakes, total profit can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.

This slide covers the key financial of the firm covering gross profit margin, OPEX ratio, operation profit margin and net profit margin. It also covers statistics of month to month earning before interest and taxes. Deliver an awe inspiring pitch with this creative establishing an efficient integrated marketing communication process key financials of the firm inspiration pdf bundle. Topics like gross profit, revenue, net profit margin, income statement can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.

This slide covers investment budget and cost for gym equipments, renovation, liability insurance, gym management software, facility, licenses and permits. Deliver an awe-inspiring pitch with this creative well being gymnasium sector investment required for starting fitness center cost brochure pdf bundle. Topics like investment, cost, budget can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.

This slide caters details about profitable business model of WeWork by addressing occupancy, desks, total revenue generated through memberships, rent and overall margins generated. Deliver an awe inspiring pitch with this creative wework capital financing elevator profitable business model for wework portrait pdf bundle. Topics like revenue, services, occupancy, location can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.

Purpose of the following slide is to show the key strengths of the organization to the investor as it presents major points of strength of the organization, these parameters can be talent and workforce, innovation ecosystem, investment and collaboration. Deliver an awe inspiring pitch with this creative his capital funding elevator understanding the strength of our organization inspiration pdf bundle. Topics like innovation ecosystem, investment, collaboration and cross sector strengths can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.

Deliver an awe inspiring pitch with this creative enhancing financial institution operations overall impact of bank operations transformation costs formats pdf bundle. Topics like process, costs, training can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.

Deliver an awe inspiring pitch with this creative fee summary for investment advisor service contd ppt infographic template information pdf bundle. Topics like services, budgeting, financial, management, decision making can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.

This slide provides the glimpse about the stages such as pre-seed, seed, seed plus and series A along with traction, monthly revenue, round size, funding sources, etc. Deliver an awe-inspiring pitch with this creative investment raising pitch deck funds allocation raising funds using seed gradient formats pdf bundle. Topics like raising funds using seed gradient can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.

This slide represents aggressive investment portfolio allocation. It highlights portfolio allocation in stocks, bonds and alternative investments by investors. Deliver an awe inspiring pitch with this creative Aggressive Investment Management Portfolio Allocation Topics PDF bundle. Topics like Aggressive Portfolio, Investment Strategy, Private Equity Investments can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.

This slide represents portfolio investment management dashboard. It includes total invested amount, total number of investments made and rate of return. Deliver an awe inspiring pitch with this creative Portfolio Investment Management Metric Dashboard Brochure PDF bundle. Topics like Portfolio Investment Management, Metric Dashboard can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.

This slide represents portfolio investment management dashboard. It includes total invested amount, total number of investments made and rate of return. Deliver an awe inspiring pitch with this creative Portfolio Investment Management Metric Dashboard Slides PDF bundle. Topics like Portfolio Investment Management, Metric Dashboard can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.

This slide shows the consistent organic growth of Front in terms of rising MRR in the last 2 years which is shown through a graph. Deliver an awe inspiring pitch with this creative front series venture capital funding organic growth of front ideas pdf bundle. Topics like organic growth of front can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.

Purpose of the following slide is to show the key stats of the organization as it displays the organizations growth rate along with its weekly growth and its market share. Deliver an awe inspiring pitch with this creative his capital funding elevator key stats for our organization template pdf bundle. Topics like key stats for our organization can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.

This slide showcases choosing software for managing financial aspects of online store. It provides information about shipment pricing, tracking, invoice analysis, bill creation, e-wallets, credit payment, bank rules, ERP, etc.Welcome to our selection of the How Electronic Commerce Financial Procedure Can Be Enhanced Selecting Software For Managing Ecommerce Finances Information PDF. These are designed to help you showcase your creativity and bring your sphere to life. Planning and Innovation are essential for any business that is just starting out. This collection contains the designs that you need for your everyday presentations. All of our PowerPoints are 100 precent editable, so you can customize them to suit your needs. This multi-purpose template can be used in various situations. Grab these presentation templates today.

The following slide illustrates the business model canvas if the business as it displays the key partners, key activities, value Proposition, customer relationship and key customer segments Deliver an awe inspiring pitch with this creative understating the business model for hackathon investor capital funding pitch deck designs pdf bundle. Topics like key partners, key resources, cost structure, revenue streams, customer relationships can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.

This slide shows the various sources of startup business investments such as early stage, friends and family, seed, angel investment, venture capital, etc. with round size and investment size. Deliver an awe inspiring pitch with this creative various sources of startup business investment ppt layouts skills pdf bundle. Topics like investment, venture capital, business can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.

Welcome to our selection of the Catering Business Investment Funding Deck Table Of Contents Pictures PDF. These are designed to help you showcase your creativity and bring your sphere to life. Planning and Innovation are essential for any business that is just starting out. This collection contains the designs that you need for your everyday presentations. All of our PowerPoints are 100 percent editable, so you can customize them to suit your needs. This multi purpose template can be used in various situations. Grab these presentation templates today.

Mentioned slide provides reasons to convince potential investors to invest in company by highlighting share options, dividend payment, and market growth potential. Welcome to our selection of the Financial Analytics Solution Investor Funding Elevator Pitch Deck Why Invest With Us Guidelines PDF. These are designed to help you showcase your creativity and bring your sphere to life. Planning and Innovation are essential for any business that is just starting out. This collection contains the designs that you need for your everyday presentations. All of our PowerPoints are 100 percent editable, so you can customize them to suit your needs. This multi purpose template can be used in various situations. Grab these presentation templates today.

This slide presents an statistics of global cloud kitchen market to gain valuable insights. It covers key elements such as current market value, forecasted market value, CAGR and market share by product, type, nature and region. Slidegeeks is one of the best resources for PowerPoint templates. You can download easily and regulate International Cloud Kitchen Industry Analysis Sales Funnels Showing Customer Journey Download PDF for your personal presentations from our wonderful collection. A few clicks is all it takes to discover and get the most relevant and appropriate templates. Use our Templates to add a unique zing and appeal to your presentation and meetings. All the slides are easy to edit and you can use them even for advertisement purposes.

Deliver an awe-inspiring pitch with this creative enterprise tactical planning financial summary ppt model file formats pdf bundle. Topics like revenue growth, net profit margin, net revenue, net profit can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.

The graph provides a glimpse of the companys revenue, operating profit and productivity for 12 months. Deliver an awe-inspiring pitch with this creative analytical incrementalism monthly financial analysis of our company slides pdf bundle. Topics like operating profit, productivity, revenue can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.

Boost your pitch with our creative About Us Banking Industry Business Plan Go To Market Strategy Pictures Pdf. Deliver an awe inspiring pitch that will mesmerize everyone. Using these presentation templates you will surely catch everyones attention. You can browse the ppts collection on our website. We have researchers who are experts at creating the right content for the templates. So you do not have to invest time in any additional work. Just grab the template now and use them. Our About Us Banking Industry Business Plan Go To Market Strategy Pictures Pdf are topically designed to provide an attractive backdrop to any subject. Use them to look like a presentation pro.

The slide provides a list of companys clients in different sectors manufacturing, construction, financials services, energy. Mining, automobile etc. Along with the service which the company offers to specific client.Deliver an awe inspiring pitch with this creative Investment Banking Security Underwriting Pitchbook T0p 30 Clients And Services Offered To Them Professional PDF bundle. Topics like Financials Services, Assets Management, Underwriting can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.

This slide covers various accolades received by the company since its inception highlighting its achievements over the years. It includes founding year, product launch, expansion, record users etc. Welcome to our selection of the Major Milestones Achieved Ringcaptcha Capital Funding Pitch Deck Themes PDF. These are designed to help you showcase your creativity and bring your sphere to life. Planning and Innovation are essential for any business that is just starting out. This collection contains the designs that you need for your everyday presentations. All of our PowerPoints are 100 percent editable, so you can customize them to suit your needs. This multi-purpose template can be used in various situations. Grab these presentation templates today

This slide showcases checklist that can help organization to identify discrepancy during venture capital financing. It can help to ensure seamless execution of financing process. Slidegeeks is one of the best resources for PowerPoint templates. You can download easily and regulate Capital Acquisition Strategy For Startup Business Checklist For Raising Funds Infographics PDF for your personal presentations from our wonderful collection. A few clicks is all it takes to discover and get the most relevant and appropriate templates. Use our Templates to add a unique zing and appeal to your presentation and meetings. All the slides are easy to edit and you can use them even for advertisement purposes.

This template covers fundamental financial metrics IT spend vs Plan for both opex and capex budgets, and application and service total cost, which aligns business value communication to IT values. Deliver an awe inspiring pitch with this creative it value story significant to corporate leadership financial fundamental metrics infrastructure ideas pdf bundle. Topics like budget, planned, cost, service, application can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.

The following slide highlights different sources through which company generates revenue. It covers information about different pricing plans along with their key features such as unlimited collaborators, plugins, widgets, templates, etc. Welcome to our selection of the Revenue Streams Web Designing Platform Fundraising Pitch Deck Ideas Pdf. These are designed to help you showcase your creativity and bring your sphere to life. Planning and Innovation are essential for any business that is just starting out. This collection contains the designs that you need for your everyday presentations. All of our PowerPoints are 100 percent editable, so you can customize them to suit your needs. This multi purpose template can be used in various situations. Grab these presentation templates today The following slide highlights different sources through which company generates revenue. It covers information about different pricing plans along with their key features such as unlimited collaborators, plugins, widgets, templates, etc.

This slide showcases process of AI-powered dynamic pricing model which can guide marketers in making more profits and revenues out of its offerings. It provides details about collect data, identify relevant parameters, mathematical model, etc. Want to ace your presentation in front of a live audience Our Dynamic Pricing For Increased Profits And Revenues Ppt Gallery Show Pdf can help you do that by engaging all the users towards you.. Slidegeeks experts have put their efforts and expertise into creating these impeccable powerpoint presentations so that you can communicate your ideas clearly. Moreover, all the templates are customizable, and easy-to-edit and downloadable. Use these for both personal and commercial use. This slide showcases process of AI-powered dynamic pricing model which can guide marketers in making more profits and revenues out of its offerings. It provides details about collect data, identify relevant parameters, mathematical model, etc.

This slide focuses on revenue earned by our construction company in past five years which reported strong financial position with increasing revenue trend and CAGR.Deliver an awe inspiring pitch with this creative Construction Services Company Profile Our Strong Financials Structure PDF bundle. Topics like Revenue Has Increased, Primary Reason, Construction Projects can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.

The slide describes financial details for Research business vertical. It showcase revenue, gross profit, operating profit, EBIDTA and net profit along with margin. Deliver an awe inspiring pitch with this creative Hospital Medical Research Company Profile Research Business Financials Rules PDF bundle. Topics like Historical Revenue Geography, Revenue Split 2022, Total Profit can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.

This slide represents esteemed market potential which assists investors to gain idea of growth opportunities of company in global market and make strategic investment decisions. Welcome to our selection of the Market Potential Pet Care Company Investor Funding Elevator Pitch Deck Ideas Pdf. These are designed to help you showcase your creativity and bring your sphere to life. Planning and Innovation are essential for any business that is just starting out. This collection contains the designs that you need for your everyday presentations. All of our PowerPoints are 100 percent editable, so you can customize them to suit your needs. This multi purpose template can be used in various situations. Grab these presentation templates today This slide represents esteemed market potential which assists investors to gain idea of growth opportunities of company in global market and make strategic investment decisions.

The slide provides the historical data of the companys income statement from the year 2015-2021. Key Data points include interest income, commission income, total revenue, operating income and net income. Deliver an awe inspiring pitch with this creative investment fundraising pitch deck from stock market consolidated income statement of the company 2017 2021 graphics pdf bundle. Topics like interest income, operating income, investment income, commission income can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.

This slide shows the brief outline of the company including headoffice,business segments, Product Categories, Revenue Split etc. Deliver an awe inspiring pitch with this creative investor pitch deck to generate venture capital funds company overview with business segments and service areas icons pdf bundle. Topics like Company revenue split by segments, product categories, company overview with business segments service areas. It is available for immediate download depending on the needs and requirements of the user.

The purpose of this slide is to provide glimpse about the projected profit and loss of the firm to visualize firms financial performance for upcoming three years. Deliver an awe inspiring pitch with this creative commercial insurance solutions strategic plan projected income statement for insurance slides pdf bundle. Topics like permits and licenses, total expenses, miscellaneous can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.

The following slide identifies various monetary benefits offered by relative participants in industry to reduce employee turnover. It includes benefits such as pay and allowances, bonus, productivity linked wage incentives, profit sharing, retirement benefits, stock options or co-partnerships, commission and perquisites. Boost your pitch with our creative Employer Branding Strategy For Competitive Analyzing Competitive Financial Benefits Designs Pdf. Deliver an awe-inspiring pitch that will mesmerize everyone. Using these presentation templates you will surely catch everyones attention. You can browse the ppts collection on our website. We have researchers who are experts at creating the right content for the templates. So you do not have to invest time in any additional work. Just grab the template now and use them. The following slide identifies various monetary benefits offered by relative participants in industry to reduce employee turnover. It includes benefits such as pay and allowances, bonus, productivity linked wage incentives, profit sharing, retirement benefits, stock options or co-partnerships, commission and perquisites.

The slide determines the relation between net debt and asset trend. The netblock is increasing and so is the debt, so the new assets added to the system, are being financed through Debt and Internal financing. Deliver an awe inspiring pitch with this creative revaluate capital structure resolution impact on debt clipart pdf. bundle. Topics like dollar thousand, increasing, management, market, 2017 to 2020 can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.

This slide provides the glimpse about our companys consistent organic growth which focuses on monthly recurring revenues and companys revenues for past three years. Deliver an awe inspiring pitch with this creative series a capital raising consistent organic growth topics pdf bundle. Topics like consistent organic growth can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.

This slide provides information about the UK banking license that Monzo received in August 2016. This slide also shows the information regarding pre application, application, mobilization and launch of the Monzos UK banking license. Deliver an awe inspiring pitch with this creative monzos banking licence details monzo investor funding elevator structure pdf bundle. Topics like systems, capital, accounts, financial can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.

Deliver an awe-inspiring pitch with this creative startup pitch to raise capital from crowdfunding operational and financial overview themes pdf bundle. Topics like mission, vision, financial highlights, key partners, customers, introduction can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.

Deliver an awe inspiring pitch with this creative investor pitch deck new venture capital raising financial projection graph demonstration pdf bundle. Topics like financial projection graph can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.

The slide provides the Business model which identifies key partners, activities channels, segments revenue streams, cost structure etc.. Deliver an awe inspiring pitch with this creative series b funding for startup capitalization business model contains key activities partners channels sample pdf bundle. Topics like management, customer, company can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.

Following slide showcases use of revenue grid sales platform that helps to optimize sales funnel through automation improving efficiency. It includes elements such as overview, benefits and process of implementation. Take your projects to the next level with our ultimate collection of Closing Techniques To Seal Revenue Grid Technology To Improve Sales Efficiency SA SS V. Slidegeeks has designed a range of layouts that are perfect for representing task or activity duration, keeping track of all your deadlines at a glance. Tailor these designs to your exact needs and give them a truly corporate look with your own brand colors they will make your projects stand out from the rest Following slide showcases use of revenue grid sales platform that helps to optimize sales funnel through automation improving efficiency. It includes elements such as overview, benefits and process of implementation.

This slide provides information about firm as data innovator and how use of AI assisted systems allows it have advantage in terms of speed, precision. Deliver an awe inspiring pitch with this creative Data Valuation And Monetization Description About Firm As Data Innovator Microsoft PDF bundle. Topics like Innovators Utilize, Artificial Intelligence, Technologies Analysis can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.

The customer churn prediction through machine learning is initiated through understanding the insights through two methods classification and regression.Deliver an awe inspiring pitch with this creative Data Valuation And Monetization Problem Understanding Through Machine Learning Process Sample PDF bundle. Topics like Classification, Regression, Scientists Categorize can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.

Presenting this set of slides with name service strategy and service lifecycle implementation sales strategy ppt layouts master slide pdf. This is a seven stage process. The stages in this process are pipeline targets, sales targets, key metrics, customer retention rate, sales pipeline revenue, sales pipeline revenue, customer acquisition cost, team size, profit margin. This is a completely editable PowerPoint presentation and is available for immediate download. Download now and impress your audience.

Identifying the metrics which help in analyzing the product performance play a crucial role when it comes to tracking performance. The following slide highlights such manor KPIs, these are total sell, total buy, etc. Deliver an awe inspiring pitch with this creative cryptocurrency investment playbook cryptocurrency portfolio designs pdf bundle. Topics like cryptocurrency portfolio investment dashboard can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.

This slide shows information which can be used to understand the concept of international banks. It also includes details regarding characteristics of these banks which are global presence, foreign exchange services, etc. Welcome to our selection of the Foreign Banking To Conduct Global Operations Complete Guide On Managing Banking Fin SS V. These are designed to help you showcase your creativity and bring your sphere to life. Planning and Innovation are essential for any business that is just starting out. This collection contains the designs that you need for your everyday presentations. All of our PowerPoints are 100Percent editable, so you can customize them to suit your needs. This multi-purpose template can be used in various situations. Grab these presentation templates today. This slide shows information which can be used to understand the concept of international banks. It also includes details regarding characteristics of these banks which are global presence, foreign exchange services, etc.

This slide explains about the budget for end user computing implementation by covering details of investments need to be made on administration, capital procurement, support, network and end user desktops.Deliver an awe inspiring pitch with this creative VID Budget Planning For End User Computing Implementation Icons PDF bundle. Topics like Administration, Capital Procurement, Energy Utilization can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.

This slide explains about the budget for end user computing implementation by covering details of investments need to be made on administration, capital procurement, support, network and end user desktops.Deliver an awe inspiring pitch with this creative Budget Planning For End User Computing Implementation Diagrams PDF bundle. Topics like Administration, Capital Procurement, Energy Utilization can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.

Welcome to our selection of the G191 Table Of Contents Brand Diversification Approachfor Revenue Enhancement Designs Pdf These are designed to help you showcase your creativity and bring your sphere to life. Planning and Innovation are essential for any business that is just starting out. This collection contains the designs that you need for your everyday presentations. All of our PowerPoints are 100 percent editable, so you can customize them to suit your needs. This multi-purpose template can be used in various situations. Grab these presentation templates today. Our G191 Table Of Contents Brand Diversification Approachfor Revenue Enhancement Designs Pdf are topically designed to provide an attractive backdrop to any subject. Use them to look like a presentation pro.

Welcome to our selection of the G205 Table Of Contents Maximizing Revenue Using Brand Marketing And Launch Plan Reply Pictures Pdf These are designed to help you showcase your creativity and bring your sphere to life. Planning and Innovation are essential for any business that is just starting out. This collection contains the designs that you need for your everyday presentations. All of our PowerPoints are 100 percent editable, so you can customize them to suit your needs. This multi-purpose template can be used in various situations. Grab these presentation templates today. Our G205 Table Of Contents Maximizing Revenue Using Brand Marketing And Launch Plan Reply Pictures Pdf are topically designed to provide an attractive backdrop to any subject. Use them to look like a presentation pro.

Deliver an awe inspiring pitch with this creative proposal to provide financial advisory and bond types of asset class we invest in download pdf bundle. Topics like domestic equities, international equities, fixed income, alternatives, bonds can be discussed with this completely editable template. It is available for immediate download depending on the needs and requirements of the user.