Loan modifications web designdela

Hello, how are you . I am looking for a PineScript developer and he must be proficient in it. I have some indicators that need some modifications and new additions Well, you may be the right person, so I will write everything here and respond immediately so that we can agree quickly.. All I want is for you to create the modifications that I will ask of you and add the additions that I will provide you with, and I have an idea, which is this project, and every addition or complete modification will be taken from it. In exchange for,, so tell me how much the cost of one edit is. I know that edits and additions vary depending on the text and its difficulty, but it will be simple because I will provide you with almost everything... If you were to create this work for $7 - $15 for...

I need an experienced PHP developer to help with customizing a PHP script. The specific details of the modifications are: - User Authentication: Implement an effective user authentication system. - Database Integration: Ensure seamless integration with our existing database. - UI/UX Enhancements: Enhance the user interface and user experience of the script. Please note that the specific PHP script has not been disclosed, and further details regarding the script's functionalities have not been provided. The successful freelancer will need to be able to navigate and modify PHP scripts efficiently and have a good understanding of user authentication, database integration, and UI/UX principles. Your expertise in PHP and familiarity with various scripts and their modification wi...

I'm looking for an experienced mobile game developer who can modify a puzzle game for Android devices. Key requirements include: - Extensive experience in Android game development - Expertise in puzzle game creation or modifications - Ability to incorporate in-app purchases for game enhancements It would be a bonus if you've previously built games with a monetization strategy around in-game enhancements. I'm keen to start this project as soon as possible, so send your proposals my way today.

I actually have a very small and specific project: I want to change the color of the links on a website. I want to change ONLY the links in the posts, not every link. Right now, the text color is grey and the links are black, which makes it very hard to see. I want th...done with CSS code, so I just want you to provide that code. I will install it myself. The site is built on WordPress and is using the Hunted theme. PLEASE APPLY ONLY IF YOU ARE FAMILIAR WITH WORDPRESS, HUNTED THEME, AND CSS. Payment will be done only AFTER the code is tested and it works. Ideal Skills: - **Web Design**: An eye for clean, minimalist design. - **Web Development**: Proficiency in front-end coding. - **Customization Experience**: Ability to implement minor modifications ...

I have a complete PDF map and require an architect to upload it to the LDA portal. Key tasks: - Upload the existing PDF map to the LDA portal without any modifications or updates. Ideal skills and experience: - Prior experience uploading maps or similar documents to the LDA portal. - Understanding of the architectural or land development industry. - Familiarity with PDF file formats and the specific requirements of the LDA portal. Please ensure you have the expertise and access to fulfill the requirements of this project before submitting your proposal. Thank you.

I need a talented developer to create an Android-based TikTok Captcha solver. This specific captcha is a puzzle slide captcha, and while tools exist for Windows, I'm yet to find an Android equivalent. Key Project Detai...are to be solved. Ideal Skills and Experience: - Solid experience with Android development, understanding of how to work with rooted devices through Magisk. - Proficient in solving captchas, especially puzzle slide captchas. - Prior experience with automated testing and integrating tools with other systems. - A good communicator, as we'll need to discuss the tool's progress and potential modifications as the project moves forward. Please include your relevant experience, expertise, and any innovative approaches you might have for tackling this ch...

...to manage content. The project involves: - Implementing new features into the existing frontend design - Developing an admin panel for content management. This panel should allow me to: - Add, edit, delete posts - Update website pages I'm looking for a skilled developer who can not only make the necessary changes to the frontend but also create a user-friendly admin panel for managing contents. Experience in both frontend development and backend (specifically for the admin panel) will be crucial. Ideal Skills: - Proficiency in front-end technologies such as HTML, CSS, and JavaScript - Experience with backend technologies for admin panel like PHP, Python, or Ruby - Knowledge of web frameworks like Laravel, Django, or Ruby on Rails - Understanding of databa...

...deep understanding of security protocols is a must. - Knowledge of state-of-the-art software technologies and practices that help ensure the app's performance, security, and scalability. The primary objective of the mobile app is to provide a platform for digital lending. This means there are a few core functionalities that are essential: - Loan approval and disbursement: Users should be able to apply for loans via the app, and once approved, the loan should be disbursed. - Payment tracking and reminders: The app should facilitate tracking and managing payments, sending reminders to users about due payments, and providing a seamless payment process. Please provide examples of your past work, especially if you've worked on similar projects, and highlight your ...

I'm in search of a highly proficient WP PHP developer who can skillfully handle custom coding for product lines, focusing on the following: - Fix broken links: Specifically, the broken links on product pages and in navigation menus. - Modify existing functionality: This includes adding new features, updating existing ones and removal of unnecessary ones. - Improve performance: Optimization and tweaks as necessary to boost the overall performance. Ideal candidates will have extensive experience in WP PHP, understanding of linking strategies, and a knack for improving site functionality and efficiency. A comprehensive understanding of custom coding is paramount.

...want to tell us about 5) Are you bidding as a freelancer or as a company, if company please share name and details 6) What qualifications you have? 7) If you have any experience in working in Singapore financial projects do highlight those as well. 8) What do you understand of the SIBOR / SOR / LIBOR scandal and how could it have affected borrowers? Work scope: Go through letter of offers and loan statements, find the faults, calculate the excess paid, calculate damages All works should be done in Google Sheets or Microsoft Excel with formulas to prevent any calculation errors. Your output should clearly show what was charged, what should have been charged, difference and damages. Need someone who has a decent amount of time available, if you do not have alot of time to spare...

I'm seeking a WordPress developer to make minor visual adjustments to my theme, specifically focusing on layout modifications. Requirements: - You're proficient with WordPress and have a proven track record in theme customization. - The adjustments I need are minor, but your attention to detail is paramount. - Understanding of CSS and HTML will be necessary to achieve the layout modifications. Your responsibilities: - Tweak and adjust the theme layout according to the design brief. - Ensure the changes are responsive and work across various devices. - Suggest and implement any other minor visual improvements that can enhance the theme. Please provide examples of your previous work in theme customization.

Looking for an experienced 3D artist who can utilize the supplied image, modify the content as needed, and create a 3D STL file for printing. Key considerations for potential bidders include: - Skill with image modification, to enhance and adjust the content as required - Expert...Key considerations for potential bidders include: - Skill with image modification, to enhance and adjust the content as required - Expertise in creating high-detail 3D models, reflected in a strong portfolio of work - Familiarity with STL files and their specific requirements for 3D printing The final 3D model needs to be of high detail replicates the image provided, factoring in explicit modifications discussed throughout the project. Please keep communication open and frequent to achieve the desired e...

My Magento 2 website hosted on a CentOS 7 server with cPanel is experiencing a sudden increase in the number of PHP-FPM processes it's using, despite no updates or modifications to the server. This issue is affecting the site's performance and stability. Key Project Details: - I am not aware of any recent surge in website traffic that could explain this sudden spike in PHP-FPM processes. - The problem lies in the custom extensions I'm using on the Magento 2 platform. Required Skills and Experience: - Expertise in Magento 2 is essential, as the issue seems to be rooted within the platform. - Previous experience in troubleshooting PHP-FPM process overloads is highly preferred. - Familiarity with CentOS 7 and cPanel is a plus, to ensure a comprehensive understanding o...

I have an existing 3D Max project of a facade design and it requires some modifications. There are two key parts to this project you would be focusing on: 1. Adjusting Light Intensity and Positioning: - The positioning of the lighting needs modification. I'm looking for someone who can efficiently change the angle of the lights, to achieve the desired lighting effect. 2. Adding and Removing Lights from Key Facade Areas: - I require additional uplight and wall washers to be added to the design. - Some strip lights will need to be removed and the positioning of these should be changed. The ideal freelancer for this task is familiar with 3D max files, and has solid experience in lighting design. Please take note, the project deadline is by Sunday...

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I need a professional to help me tweak two existing CDR labels. The changes are minimal and are solely focused on text modifications and color adjustments. Key Tasks: - Modify the product description in each label. This should be done without altering the overall design and layout. - Enhance the existing color scheme. We're looking to retain the original color palette but elevate it to make the labels more visually appealing. Ideal Skills and Experience: - Proficient in graphic design and label creation. - Have a keen eye for detail to ensure the labels maintain their aesthetic appeal. - Familiarity with the CDR format is a plus, but not required.

I'm in need of an experienced professional in C/C++ who can assist with firmware modification. Key Requirements: - Experienced in C/C++ - Prior experience with firmware modification is a plus but not mandatory - Familiarity with embedded systems The project will involve making modifications to the firmware, ensuring that the changes are stable, efficient, and compatible with the hardware. You should be able to work independently based on the requirements provided. Prior experience in firmware modification will be an added advantage. Please provide examples of similar work you've done in the past.

I require an experienced web developer proficient in Wordpress for my existing website. The project involves: - Content updates: The website's content needs to be revisited and improved to engage the audience better. - Design Changes: I'm particularly interested in layout modifications to give the website a fresh, user-friendly feel. - Functionality improvements: This revolves around smooth navigation, faster load times, and seamless transitions between the website's sections. Further, the website also requires an SEO overhaul to increase its visibility in search engine results. This will include: - SEO updates involving keyword optimization, putting the right words in the right places on the website to improve search relevancy. - Meta tag optimizatio...

I need a skilled WordPress developer who will help with theme c...customization involves changes to the color scheme, layout, and font of my current WordPress theme. These modifications aim to give the site a fresh, modern look while maintaining consistency throughout its pages. - The plugin development requirement is more focused on enhancing the functionality of the site. I'm specifically interested in the integration of a contact form and social media features. The contact form should be user-friendly and efficient, while the social media integration should allow for easy sharing and interaction with visitors. The ideal candidate should have experience in both theme customization and plugin development. Attention to detail, creativity in design, and good communicat...

I have an AutoCAD DWG file that I would like to be split up in order to save a particular page out of it in a new file. The specific page and any modifications required can be discussed. Key Requirements: - Splitting up an AutoCAD DWG file - Saving a specific page from the file Please note that the specific page I would like to save from the file is yet to be determined. Additionally, I am open to any suggestions regarding possible modifications that could be made to the page before it is saved. Your expertise and creativity in this area would be most welcome.

Wordpress website with custom theme and plugin. to create financial survey portal which where people answer a survey and get their credit scoring, make payment to get grant or financial loan list.

I urgently need a photo editing expert to help correct an awkward smile produced by a camera malfunction in a photo of mine. Key requirements include: - Possibility to either fix the overlayed smile or completely remove it, depending on which option appears more natural. - Open to any level of modifications, from minimal to extensive that are necessary to restore a normal appearance to the photo. - An artistic eye would be preferred to ensure a seamless and high-quality outcome. As the nature of the job may vary dependent on the result sought, expertise in various forms of photo editing to fix facial distortions will be highly valued. Please have a portfolio showcasing similar work. Fast turnaround time is important. Note as well, that the changes may include correcting any whi...

...understanding of MSME-lending. The objective of this cooperation is to increase loan disbursement and enhance the overall customer experience. Key requirements for this project include: - Existing opportunities in Vietnam. E.g. Validus (Merchant Cash Advance), etc Digital MSME onboarding without breaching requirements of Circular 39 Implementing a user-friendly platform for agents that speeds up loan application processing. - Integrating automated credit scoring functionality to facilitate quicker and more efficient loan approval processes. - Developing a feature that provides real-time loan approval notifications for both the agents and customers, ensuring transparency and timeliness. Currently, our loan documentation and verification proces...

I need an experienced PHP developer to help with customizing a PHP script. The specific details of the modifications are: - User Authentication: Implement an effective user authentication system. - Database Integration: Ensure seamless integration with our existing database. - UI/UX Enhancements: Enhance the user interface and user experience of the script. Please note that the specific PHP script has not been disclosed, and further details regarding the script's functionalities have not been provided. The successful freelancer will need to be able to navigate and modify PHP scripts efficiently and have a good understanding of user authentication, database integration, and UI/UX principles. Your expertise in PHP and familiarity with various scripts and their modification wi...

I'm seeking an expert in Ninjatrader 7 (N...an expert in Ninjatrader 7 (NT7) coding to bring new functionalities to my platform. The core requirements of my project are: - Incorporating Custom Indicators into NT7: I need you to hard code specific elements into the system for customized utilization on the chart trader. - Advanced Charting Features: I would require the integration of advanced charting features in NT7. Chart trader modifications. As a freelancer, you should ideally have: - Proven experience in coding for Ninjatrader 7. - Knowledge of financial markets, trading systems, and indicators. - High-level skills in coding and data visualization. Join me in upgrading the potential of my NT7 trading platform. Counting on your expertise to make trading more insightful...

I'm looking for someone to convert a PDF site layout drawing into a DWG drawing with some modifications. The ideal candidate should have experience with CAD software. Key tasks include: - Converting a PDF to DWG format - Changing the name shown at the top - Adjusting dimensions as needed - Adding or removing features as necessary The DWG drawing will be used for site layout purposes, so it's crucial that the final output remains entirely accurate to the PDF. The dimensions and scale should match those provided in the original document. Ideal skills and experience include: - Proficiency in CAD software - Experience working with PDF and DWG files - Attention to detail, especially in maintaining accuracy of the original drawing - Ability to communicate effectively to clari...

I'm in need of an innovative freelancer for the design of an air rifle incorporating an airsoft gas tank within the stock build. The key objective for this tank integration is to improve overall performance by enhancing the shooting range and firing speed of the weapon. The gas tank will be filled with green gas. In addition, modifications to the rifle should also include alterations to the magazine. Familiarity with gun design principles, an understanding of the properties and applications of green gas and experience with similar design projects would be a plus. Key Deliverables: - Integration of an airsoft gas tank into rifle design - Upgraded magazine design - Improve overall weapon performance. Your creative vision, practical insight...

Configure SMTP, move icons, add a button, change a timer etc. As related to that, the website is for escorts, people who have no problem with that type of website.

Hi Muhammad F., how have you been? Randall here. Are you still doing work on this / jobs? I got a logo from you a few years back and am looking to get some modifications / changes if you are interested? Also need a business card layout and design along with logo changes. ?

...a cold room and a workshop space, both of which will require specific design considerations. - The entire structure is planned to be constructed using steel insulated panels. - We have already designed the building and have 3D CAD for review. We are under ag-exemption in North Florida so do not need permits or inspection. We would however, like to have signed drawings that we build to so that in the future if we want to have the "county" bless/approve the building for resale/loan value or insurance that is an option. Ideal applicants should have: - Experience in agricultural building post frame construction. - Proficiency in post frame construction. - Capability to integrate solar panel systems into the building design. - Previous work with steel insulat...

I'm looking to modify my osTicket installation so that I can have the flexibility to export any field I need for generating reports. Key requirements: - Custom export fields: I want t...from any field in my ticket forms. - Future-proofing: The solution should allow inclusion of fields from current and future forms. Ideal skills and experience for this job: - Proficiency in osTicket: You must have a solid understanding of osTicket and its architecture. - PHP Development: The modifications required will likely involve PHP scripting. - Database Management: A good grasp of database management is necessary to integrate new fields for export. The project will involve making these modifications to the current osTicket system to ensure that I can easily and efficiently expor...

I require an experienced freelancer to perform modifications to my existing Odoo platform. The project will involve introducing significant user interface modifications. The main task is to add new modules which will extend the system's functionalities and capabilities. Proper understanding, experience in Odoo customization, and adept knowledge in Sales and CRM module configuration are the essential skills for this project. Applicants ought to be creative innovators and logical problem solvers, with excellent attention to detail. Your contributions will be instrumental in optimizing our processes, and elevating the overall efficiency of our platforms. My company provides and maintains CCTV cameras which customers pay for on a monthly basis. The Map Intergation require...

As the owner of a Python-based app, I'm ...freelancer who can help revamp its current user interface. Key Task: - You'll primarily be rearranging the buttons and menus, as well as resizing the UI components. Design Philosophy: - While undertaking these adjustments, I want the redesigned UI to remain minimal and clean. Priority: - Among the various elements of the interface, navigation buttons should be accorded the most prominence. Ideal Skills: - Candidates with a solid grounding in Python and a keen eye for detail to ensure optimal functionality after the remodel will be highly considered. Experience: - Previous work on projects involving Python app UI modifications will be a definite advantage. If this fits within your range of expertise, I'm look...

...existing scripts. The project will involve making changes to the code so it uses the docx library instead of the current setup. The number of Word documents to be processed is less than 10. Although the specifics of the modifications were not explicitly provided, it is safe to assume that the job may also involve implementing any necessary tweaks to ensure the accurate and efficient extraction and processing of data from the Word files. Ideal Skills and Experience: - Extensive experience with Python and a proven track record of previous script modifications - Demonstrable proficiency with both the and docx Python libraries - Solid understanding of data extraction and processing techniques Any potential freelancer should be ready to discuss the specifics of the cha...

refer this video, if u can do this, please inform I'm looking for a skilled WordPress developer to help me with some modifications on my site. The specific changes and updates have not been clarified yet, but I will provide the necessary details and materials for the project. I'm seeking someone with a strong understanding of WordPress and its customization capabilities. The ideal candidate should be able to work well with minimal instructions and be able to interpret my needs effectively, ensuring a smooth and successful update to my site. Please provide a brief overview of your experience with WordPress and any relevant work you have completed in the past.

...should cover a change in the site's layout/design along with modifying some existing content. A total of 5 pages will need to be updated as part of this project. Key modifications include: 1. Change in Layout/Design: The intention is to revamp the aesthetic appeal. Good Wix themes need to be implemented. Creativity and aesthetic sense will be valuable in this project. 2. Update Content: Some of the existing content needs to be modified. Excellent writing and communication skills will be essential to execute this task. 3. Color Scheme Change: An elegant and minimalistic color scheme is to be introduced; any experience in color theory would be beneficial. 4. Typography Update: The typography needs to be refreshed to be in line with the fresh design outlo...

I'm in need of a skilled proofreader who is familiar with APA citation style to review and edit my 1200-word ...who is familiar with APA citation style to review and edit my 1200-word essay on the 2005 Avatar: The Last Airbender series. The task involves fixing grammatical errors, ensuring coherence, and most importantly, filling in the blank spaces with proper APA style citations. A deep understanding of the show would be an added advantage. Or Writing a 1600-1800 word argumentative essay on either student loan debt and cost of education or low minimum wage. You may pick which topic and must be written with 4-5 sources 2 of which I will provide as it must come from my schools online library and cited in APA format. Key Requirements: - Proofreading skills - Proficiency in APA...

I'm looking for a talented designer who's experienced in crafting logos for brand recognition. The logo should be predominantly in gold, black, greys, gun metal gray, and reds. I've attached an existing Illustrator file for modifications. This logo will go onto Hard Cases. The actual logo will be placed on top of a stainless steel plate, so the logo is highly visible. Ideal Skills & Experience: - Proven experience in designing brand logos - Proficient in using design software - Capable of delivering high-quality work under tight deadlines - Understanding of color psychology for branding - Strong portfolio showcasing successful logo designs Please connect for further details.

...offers specifying the loan amount, interest rate, and loan duration. - Separate Dashboards: Intuitive and distinct interfaces for lenders and borrowers to navigate postings and offers accordingly. This project demands a developer with a strong background in WordPress and plugin development. Ideal candidates should have experience creating plugins with similar functionalities. They must understand the crucial aspects of user engagement and UX design. Knowledge of financial systems would be a distinct advantage. The process goes like this: 1. A jotform is being filled up with the loan request information 2. All loans are added to a searchable data base on the site that allows lenders to login, and choose a loan that they like to send a bid on. When the...

We are seeking a skilled developer with experience in web app development, especially in the financial sector. Key Features: 1. User registration and login using Aadhar 2. Integration of third-party APIs for data 3. Bank authorization payment system 4. Secure data storage 5. User metrics and tracking system with API 6. Possible integration of a loan application and approval module in the future Ideal Skills and Experience: 1. Previous experience in similar web-based applications, particularly in the financial sector. 2. Proficiency in relevant programming languages and frameworks, with a preference for JavaScript 3. Strong understanding of user experience and interface design. If you have the skills and experience to develop this application, we want to hear ...

I'm looking for a CSS expert to help me enhance the color scheme of my website. While I have some colors in mind, I'm also open to suggestions and minor adjustments. Key Requirements: - CSS Ex...While I have some colors in mind, I'm also open to suggestions and minor adjustments. Key Requirements: - CSS Expertise: You should have a strong understanding of CSS and be able to quickly and efficiently make the necessary modifications. - Color Schemes: An eye for color and design is a must, as you'll be helping me refine the existing color palette to make the website more visually appealing. Additional Information: - Ideal candidates should have a solid portfolio showcasing their CSS work, especially color scheme modifications. - If you have experienc...

...my new cake business called 'burnt.' See attachment, this is my idea, I would like to keep it minimalistic and lower case font. Currently the first thing I need is a logo that I can use for my Instagram page. I'm quite happy with the idea I have but would like some help with finalizing my logo. Below freelancer.com's AI has summarized my request. Here are the details and required modifications: - Color Adjustments : I like the current color scheme, but I would like to see a couple similar examples with variations in brightness and gradient, maybe it will work better to showcase the company name. - Font Changes: I need assistance in tweaking the logo's text to improve its appearance and readability without compromising its style. I like th...

I'm looking for someone to take a logo which has been created in photoshop and turn it into a vector in illustrator. It would also be great if they could then create a few small specific variations of the logo once vectorised.

...candidate will possess expertise in Perl, Python, and XML/XSLT, and should be familiar with MySQL. Responsibilities: Develop And Maintain Software Applications Using Perl, Python, XML, XSLT, And Database Technologies. Design And Implement Data Transformation Processes Using XML And XSLT. Write Efficient, Clean, And Reusable Code That Complies With Company Standards And Best Practices. Collaborate With Project Managers, Business Analysts, And Other Team Members To Understand The Requirements And Provide Technical Solutions. Perform Database Management Tasks, Including Design, Modifications, And Performance Tuning. Assist In The Integration Of New Software And Systems Into Existing Environments. Maintain Documentation For System Processes And Procedures. Participate...

**Need ... We currently have existing design files that need modifications.** SprayGon to Go will be a self-contained overspray reduction system designed for mobile sunless spray tan artists. The unit needs to be roughly the size of a large suitcase, with large wheels to ease pulling the box up stairs. The unit will contain a high velocity fan with 2 stage washable filters in front of the fan that can be removed for daily cleaning, an on-board HVLP air compressor with quick connect coupling for HVLP spray gun hoses, a storage compartment for spray service supplies, an on-board power strip or accessory outlets, a retractable 10' grounded power cord and a retractable pull handle. The case should be made of molded ABS plastic for durability. We currently have a rough des...

...Grounding Dino, SAM, and various visual question answering models akin to GPT-4V (e.g., CogVLM, Qwen VLM). The goal is to enhance existing labels with additional attributes and generate new annotations based on the provided data. Your primary responsibility will be to update existing JSON files formatted in COCO using these foundational models. Detailed instructions regarding the types of modifications and any additional requirements will be provided. This project is initially short-term but has the potential to evolve into a long-term collaboration. We are engaged in numerous ongoing projects across computer vision, machine learning, and AI, and are looking for talented individuals to join our team. Working with us, you will have the opportunity to collaborate with industry ex...

...Understanding the inner working of 3rd party API's - Completion and successful implementation of similar projects I will provide Vendor API details to selected freelancers only, we'll be integrating more vendor APIs after this first vendor. If you read all details, respond with word vendor on top of your bid so I know you read it carefully. The sync should occur everyday, allowing to make some modifications to product details before they are live to our store. This project offers an excellent opportunity for freelancers with interest and expertise in Shopify, API's, and syncing. The ideal candidate is someone who can provide innovative and efficient solutions and is willing to adapt to necessary changes along the way. If you can handle these tasks with precisi...

I urgently need someone who is an expert in AutoDS and Shopify My store is all set up and ready, i need an expert touch to get an overall look at everything and suggest any modifications prior to running paid ads. I want no mistakes, running ads will cost money and i want to be able to get sales and make a revenue. you should: 1. Go over the products, see the titles and the descriptions, and recommend any change 2. Advice on the pricing of each product 3. Add the products to their respective category 4. Make sure the theme is appealing and great looking I need to finish the store ASAP, i can't wait for long time. Only freelancers, no agencies please. Looking forward to your proposals. thank you !

...scraping professional to collect specific information from three major platforms - RERA websites (specifically Maharashtra, Telangana, Haryana, and Delhi), Google, and Justdial. Here's what I am looking for: Details to Scrape: - Name - Mobile Numbers - Locality - City - Address - Pincode Platforms: - RERA Websites (Maharashtra, Telangana, Haryana, Delhi) - Google (DSA and Loan Agents data) - Justdial (DSA and Loan Agents data) The ideal freelancer for this job will be highly experienced in data scraping and will be able to deliver the results in an organized manner. Proficiency in scraping from Google, RERA websites, and Justdial is particularly important. Delivery Format: - The data should be delivered in an excel file format. If you have the required skill...