Featured post

Scottish Kilts For Sale In South Africa- How To Buy Best Kilt For You?

Blogging No Comments

From here, you can have the details about this Scottish Kilts for sale in South Africa. It is true that whenever we see sale on kilts, men gets crazy and mad enough. When it comes to the buying of a Kilt, it becomes a complicated and a tough process. If you are buying kilts without sale, if you are buying them during the sale time then you need to keep in mind 3 important steps. Below is the complete information and details of these steps:

Select Your Tartan:

First you have to make a selection of your desired tartan. The best way to choose your tartan is to pick up with the links right with your family name. Like if your surname is ‘MacDonald’ then you can for sure search your tartan with the name of‘MacDonald’ tartans. You can pick out and select any of the design which you like and love the most! When you will be selecting and searching for your tartan then you will com across several and many variations of tartan Like that of Ancient and Modern and also Hunting or Weathered. You should know about your clan tartans and too district and regional tartans. If you will go for the fashion tartans then they are also universal. These fashion tartans are worn and opted by any one. They are the modern designs, they are the blend and fusion of traditional colour kind of palettes.

You Have To Select Your Cloth Weight And Also Mille:

After getting done with the selection of your tartan design, you have to decide the cloth weight and mille. The standard weight of Kilts are 8 yards which is 7.4m and this tartan fabric comes in 3 weights and they are Light, which is 11oz, they do come in Medium weight which is 13oz and also in Heavy weight mode which is 16/17oz. The recommended weight of kilt is 16 oz. It is totally up to you that whether you want your kilt to be made and stitched in the heavy, light or medium fabric. You know about the standard size. It is suggested that the heavier your kilt be, the better and graceful it will look on you 5.11 tactical duty kilt

Choose The Kilt Finishing Of Yours:

You can have the varied style of Kilt finishing in different range of prices and rates. You can opt for the Kilt Finish Super Machine. This is how you should buy these Scottish Kilts for sale in South Africa. You should not make a quick decision while buying kilts for you when it is the sale time. First you have to go through these steps and then you have to decide that which kilt is best and suitable for you!

Conclusion:

This is the complete information and steps about Scottish Kilts for sale in South Africa. Now whenever you come across with the sale period, you have to carefully select your kilt. It is an expensive garment. Do not buy some clumsy and messy looking kilt for youself. You have to select the weight, color, design, style, tartan, finishing and other factors while buying this kilt. Just stay tuned with us and we will give you more tips and suggestions that how should you buy best and finest looking kilts. We are sure that now you can shop for yourself in a better way.

 

 

A Full Service Law Firm for Bankruptcies: Vanhemelrijck Law Offices

Services No Comments

There are many scenarios which make one to bow towards Bankruptcy in the journey of life. It may be a medical issue or a business failure or the sudden demise of the family head. In such cases, definitely the persons will be struggling with a lot of stress and worry to come out of the over debts.

For such people, the best option is to come and meet the Bankruptcy lawyers of Vanhemelrijck Law Offices where you would go out with the best possible solution to reinitiate a happy life.

The comical thing about currency is it enters and exits. For some, it takes longer to go but it would be eventually. Well, one might be unsure what it that could be done in these circumstances is? Debt consolidation might seize a person over until the storm passes, or one of the various bankruptcies could help. For such selection of bankruptcy type and to be hold of your property, we assist you.

There are various forms of bankruptcy and each one has its own advantage that fit for definite situations. Fitting your case into the groove that is right for you is our important aim. An immediate contact with our office to assemble some information can also help you see if you qualify for a bankruptcy. We will work with your to-do list and ours to get you a free consultation with our bankruptcy team. The freedom of browsing the site to know the information on various kinds of bankruptcies could be done to learn and analyze more.

 

Bankruptcies can be of individual, family, from a group or a business, etc. More than likely, you may have heard of two terms like chapter 7 or chapter 13 that are the most common bankruptcies for individuals. Both are good and both do different things with your debt.
A Chapter 7 is for someone that makes under a certain amount of money and is looking to wipe one’s debt out. The dire news is student loans cannot be washed away with a bankruptcy. You will have to contact the student loan banks and work out a program with them to reduce the payment so you can survive a little easier. If one satisfies the requirement to qualify for the chapter 7 one can walk out of the bankruptcy with no more debt and not caught having to repay any fraction of it.  This is the best outcome for a bankruptcy with no more debt.

Chapter 13 is for those who earn above the limit in the chapter 7 and have all the debt added up. Then, it is required to keep together some manageable amount to pay back to your lenders. The satisfactory notation is a major part of amount will be swept and only certain amount has to be paid off in stipulated time. ​When a person or a family goes through a bankruptcy, they may have some things that happen to them that may seem a little off. This can be done for all types of things that you are keeping out of the bankruptcy. It only takes setting it up one time and then putting it on a recurring basis.

Tips to buy chimney brushes

Services No Comments

In the maintenance domain cleaning of chimney topples the list. Though you can clean various areas of the home one of the areas where cleaning does not seem possible works out to be the chimney. You can resort to the services of chimney sweeps Denver who is one of the top-notch ones in this line of business. The area where you cannot clean regularly appears to be the chimney and you have to address them at the earliest. Once the winter season creeps in each one would want our chimney to be as clean as possible. Not only you have to possess the professional skills to do the job, but a better choice would be chimney brushes. To buy chimney brushes there are some pointers you have to consider

The height

In the process of buying a chimney brush, this seems to be one of the major pointers. If the height seems to be more than the average you should opt for a brush that makes the task of cleaning a lot easier. Do not fall into the trap of buying a brush more than the size of your chimney as you might think it to be useless. In some cases, the height can appear to be in the form of small sections to go on top of the chimney to even the fire chamber.

Rod

Once you go on to figure the height of the chimney, and then you have to figure out the size of the rod. Yes, you can divide them into small sections and there are various types of the rod that you can avail in the market. Out of them a couple of the ones work out to be popular. Suppose if the chimney does appear to be a straight one then you can go on to use fibreglass rod as they seem to be on the harder level. The strategy does require a change if the size of the chimney does appear to be a little bent.

Size

Once you are buying a chimney brush you have to evaluate the size. In case if the size of the chimney does work out to be a bit high and you choose a small one then things are not going to work. If you choose a small one there does arise a strong chance that it might be stuck. So the size of the chimney brush has to be in line with the size of the chimney.

Type

A lot of people are going to ignore the type of brush that you might have to use. If there does exist residue that would lay in the interiors of the chimney you have opt for the proper size. This would go on to clean the residue properly as well. In case if you go on for light brushes they can clean to a certain extent and the choice may not be that worse if you consider double types. This augers well for the days to come.

Do you believe bankruptcy lawyer can provide immediate assistance?

Services No Comments

People throughout the country suffer from debt-related issues, which affect them in all aspects of life. Maybe, you or someone you may know has just recently lost their job and are in debt, or because of a medical situation, you are in debt or some other event has put you in a cycle of debt. Financial situations change and life will not care that your financial situations are bad, they just happen. But people should know that this is not the end of the situation. You have a lot of choices to choose from. You can get debt relief by opting for bankruptcy.

How to get started?

First of all, you should get in contact with a profession San Antonio bankruptcy lawyer, will informed you through guesses of your situation and provide you with the best possible decision to get you out of the debt that has hindered you for so long.

The vision of the firm

At the Van Law Firm, they are always up for a challenge, and are always steadfast on helping the people who have been suffering in the deadly cycle of debt caused by the rampant economy by using the process of bankruptcy.

The firm helps their clients by the following processes of bankruptcies:

  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

1.    Chapter 7 Bankruptcy:

This is the kind of bankruptcy where the client keeps some of the assets but can only get to discharge certain debt that is somewhat popular. With chapter 7 bankruptcy, the client can discharge medical bills, credit card debt and other unsecured debt. It is the most common type of bankruptcy that people usually go for.

2.    Chapter 13 Bankruptcy:

In this type of bankruptcy, the client pays back the debt to some extent by keeping their budget in check. The payment to the trustee of the Bankruptcy Court is paid on a monthly basis. This situation is most common when facing foreclosure or when a repossession of a vehicle is concerned.

 

Take precautions in “debt reductions” and “debt management”

While trying to solve your debt problem do not fall for companies that give you options on “debt reductions” and “debt management”. These types of companies claim that they will easily reduce your debt load. But, make sure you stay clear of such companies because the services offered by these companies are not legitimate at all. The money the will be spent on them might be better spent on a bankruptcy lawyer.

By getting a bankruptcy lawyer San Antonio, you can let them take care of the dire situation you may be in. They will work extremely hard to give you the peace of mind that you so much need. These lawyers have handled thousands of bankruptcies, especially bankruptcies that will into the chapter 7 plan. They will take action and do the required work to get a solution that will be the most suitable for your particular situation.

 

 

Dealing with tooth problems: comprehensive solutions

Health No Comments

Tooth problems are commoner than they seem, and most people neglect them because the first symptoms do not bother us much. But you will be alarmed if you are told that even symptoms like bad breath can have serious consequences. But Dentist Near Me with Pediatric Dentist in San Antonio and Windcrest are ever ready to help you with your problems, and if you are living in the vicinity of Stone Oak, North East, or the greater San Antonio area, then do not think twice before consulting the doctors because this would prevent any serious problems concerning your teeth.

The Ambience

The ambience of the clinics is scientific, and is helpful to the patient at psychological levels. Most people are afraid to consult a dentist because of the stories they hear about tooth extraction. The patients are advised to come an hour early, prior to their appointment. The patient is also advised to bring along a family member or a friend who would be able to accompany him for the next few hours. The idea is to induce a drowsy feeling (done through oral sedition) in the patient and allowing him/her to settle down so that the operation can be carried out in full cry.

What are the treatments offered?

At Dentist Near Me with Pediatric Dentist in San Antonio and Windcrest, people are treated with care. They understand the trauma people go through with chipped, creacked, fractured and decayed teeth. False crowns called caps are required to mend the teeth that have been damaged in some way. The most recent porcelain crowns are both durable and strong and look beautiful. Cavities are filled with great care. The earlier filling amalgam of zinc, copper, tin, silver and mercury is not used since these fillings (called silver fillings) can be quite visible due to their colour being different from that of the patients’ teeth. Newest advanced technologies are used so that the filling matches the colour of the teeth. Shades are matched so that the new teeth or crowns do not look mismatched.

Dealing with other problems

Some people have trouble with their wisdom tooth (this problem arises when people do not have enough space inside their mouth for the growth of the third molar) which can be very painful. This is taken good care of, and a great deal of care is taken of your beautiful smile. Porcelain veneers are very effective if the patient wants a fast and durable makeover. These veneers can mend a lot of flaws including the shape of the teeth. Missing teeth are dealt with adroitly. A removable partial denture is used to prevent awkward growth of other teeth. These clinics are experts in the handling of periodontal diseases, (ranging from gingivitis to the loing of bone) and you can fully trust them.

Finally, care is taken of the colour of the patient’s teeth—both options are available, that is an in-office solution and a takeaway solution kit that the patient can use conveniently.

What To Expect From A San Antonio Bankruptcy Lawyer

Services No Comments

There are normally a set of standards to a service rendered by a professional including the San Antonio bankruptcy lawyer.  Most people that get to be charged for a service can expect a minimum level to the services on offer and there are recourse to law that ensures that this minimum standard is maintained at all times.

The minimum that a San Antonio lawyer delivers

            -Professionalism: By this we mean the focus on the job at hand and the prime focus to deliver accordingly.  It is indeed a professional service that seeks not to differentiate on the grounds such as of ethnicity and personal views.  The very bottom line is the quality of service rendered.

2

-Money: No doubt the lawyer no matter how small or big is in a particular field to earn an income.  That should not mean that monetary focus must over ride any other concerns.  There would be instances when a conflict arises on the remuneration and the services on offer.  It is always a focused lawyer that stands out in this matter.

-Focus: That a good lawyer must never lose focus to a particular case at all times is important.  Personal comforts and well being are often to be secondary in nature and must also be treated as such.  The service starts to suffer once the single element, the focus in a particular case looses center stage.

            -Detail: It is always the better lawyers that get to see the fine details that exist in a particular case.  Often litigations have been lost on the failure to grasp the minute details that are set forth.

The special role of bankruptcy lawyers

It is usually the case that a bankruptcy lawyer is consulted as a last resort. In such cases the person would most probably facing ruin and it would be possible for most people and particularly the lawyers representing a client to take advantage of the situation.  This situation is given sufficient protection from and a good client would take the trouble to be briefed on his rights and privileges under the situation.

The very confidential nature of the relationship between a lawyer and client is further stressed in the use of bankruptcy lawyers.  It is not every day that a client would seek bankruptcy and this could well be that it is the end of the road for a lot of people. This thus emphasizes the importance of choosing the proper and correct lawyer at all times.

Inference

It is best advised to stick to a lawyer that has been in use by a client for regular business than to try out a new person for a particular use that is the bankruptcy filing.  In case the usual lawyer advices otherwise, it is best that rather unfamiliar person in not used at this a particularly critical juncture in a person’s life.  There are of course situations that demand a specialized role that the usual lawyer would not be suitable.

Find prompt and reliable service for all of your towing needs

Services No Comments

If you are looking for a high-quality San Antonio towing service, then Bob’s 24-hour towing company contact number is the one that you have to put in your phone. Whenever you call, Bob’s 24-hour towing company respond as quickly as possible so that you are not left waiting for the service. Every member of Bob’s company team is committed to not just meeting, but exceeding customer expectations. Besides all these reliable and world-class services, this tow truck San Antonio company keep their rates reasonable and competitive.

Bob’s 24-hour towing company is one of the best tow truck San Antonio companies that even provide its customers with roadside assistance in San Antonio. It is an unfortunate fact that vehicle breakdowns don’t tend to happen at the right time and at convenient places. If you find yourself stuck in a jam when you are out on the road, then turn to the team at Bob’s 24-hour towing company for effective and quick roadside assistance.

At Bob’s 24 hours towing company, they understand that you can’t sustain to be left stranded. So, when you seek for help by calling to Bob’s company, the team of Bob’s 24-hour towing company arrives on the scene as soon as possible to provide you with the effective roadside assistance you need. Whether it is a more complicated problem or just a flat tire, Bob’s company team is up to the challenge. They provide you with reasonable rates and courteous, reliable service.

Bob’s 24-hour towing company is one stop destination for all your towing needs at San Antonio. It provides you with light duty towing, highway towing, and also accident towing.

Accident Towing

Road accidents occur very unexpectedly, and they are extremely traumatizing and scary for all the members involved in it. During this complicated time, it is necessary that your vehicle and all the belongings within your vehicle need to be professionally managed and secure. So, for this reason, Bob’s 24 hour towing provides quick towing services 24 hours a day and yards are commercially setup to allow for efficient and safe storage of your vehicle and its belongings. Bob’s 24-hour towing company also has accounts with many best insurance companies in San Antonio which let you for expedited claims due to the ease of billing.

Light Duty Towing

With more than 25 light-duty trucks, Bob’s 24 hour towing can help you anywhere in San Antonio. Whether providing towing, off-road recovery, tire services, vehicle unlocks or boosts, Bob’s 24-hour towing company’s trained, professional, operators get you back on your way within short time.

Highway Towing

Whatever the distance and whatever the place in and around San Antonio, Bob’s 24-hour towing company team can get to you quickly while you need High way towing services.

Bob’s 24-hour towing company also provide heavy duty towing fleet in the area that is hauling services for buses, cube vans, crane trucks and tractor-trailers are available by each of Bob’s locations in San Antonio. Consisting more than twenty heavy duty towing wreckers in their fleet, Bob’s 24-hour towing company can perform any vehicle recovery.

Radon Mitigation Cost and its benefits

Business No Comments

A radon mitigation is an essential step designed to decrease radon concentrations in the indoor air of a structure, thereby lowering the risk of creating lungs cancer. After radon testing, it is recommended to carefully decrease the level of gas from a home, or business. Before it can take place, you first need a professional to perform radon testing to see how much radon is in the house. It’s important as a mitigation professional to comprehend what you’re working with.

What About Radon Mitigation Cost?

Radon is radioactive chemical gas which does not have any color and doesn’t have any smell. Ultimately, you must make certain that your system mitigates radon. Unfortunately, radon is something which can no longer be avoided. It is an important issue. It is an invisible, odorless gas that can have a big impact on the air quality in your home. Radon in water is usually not the main supply of radon in the house.

Radon can be located in homes built on all kinds of foundations, including slab-on-grade basements. It can be found all over the planet, but it is more prevalent in some areas than in others. To begin with, be aware that it is an impossible task to establish how much radon a new residence will attract. Finding radon in your house can be a nerve-wracking thing. The very first step to mitigating the radon in your house is to fully grasp where radon levels are high in your house and how high they are.

Top Choices of Radon Mitigation Cost

Radon reduction techniques work. Your house type will impact the type of radon reduction system which will do the job best. Most radon reduction techniques incorporate a monitor that will alert you in case the system needs servicing.

Radon mitigation systems are terrific techniques to eliminate radon from your house, but they may be tricky to install. They need occasional maintenance. Locate a radon contractor who understands that a radon mitigation system needs to be fine-tuned to your particular house to make the most of radon reduction whilst limiting the sum of conditioned air loss. A radon mitigation process is any system or steps created to decrease radon concentrations in the indoor air of a structure. Radon mitigation methods create suction in the soil below the foundation of the house. They should be designed using the best fan model for that particular home. An effective radon mitigation system can decrease the radon level in your house by up to 99 percent.

The Advantages of Radon Mitigation Cost

Radon mitigation prices differ from region to area, usually based on the quantity of competition in a specific place. Your costs can fluctuate based on the size and design of your house and which radon reduction methods are necessary. The price of radon mitigation will be contingent on the kind of system you will need for your residence. It can vary from one homeowner to another. It varies. The price of a mitigation system can fluctuate based on the property’s design, size, foundation, construction materials and the neighborhood climate. Carefully consider optional additions to your contract that might increase the initial price of the system, but might be well worth the excess expense.

Top Rated Benefits of San Antonio Bemer Microcirculation Device

Services No Comments
Bemer Microcirculation

The patients in the Intensive Care Units will be able to get the benefits of San Antonio Bemer Microcirculation Device for the primary purpose of tissue oxygenation. The difference between the level of oxygen absorption and utilization will be normally high in such patients. Hence it is important to decrease the difference in the first place. Then the experts can think of enhancing the absorption volume. This will naturally increase eh utilization. In many cases the uncontrolled increase in the blood perfusion can also cause the efficiency of oxygen utilization to go do down. Then the patient may suffer from heart and cardiovascular problems in addition to the ailment from which he is already suffering.

The efficient application of San Antonio Bemer Microcirculation Device can effectively solve the cardiovascular problem of the ICU patients to a great extent. The aim is to restore the perfusion levels to the normal conditions when the patients are in the post surgery or therapy period. One of the most important applications of San Antonio Bemer Microcirculation Device can be seen in restoration of blood circulation for the accident affected patients. Many of them suffer from serious conditions due to excess blood loss. The injection of external blood (from a donor of the same group) can also cause also down in the rate of blood flow. In some cases the mismatch between many other parameters like the blood count can also result in blood circulation problems. The presence of toxins in the blood can also result in assimilation issues in the initial stages. Then the application of San Antonio Bemer Microcirculation Device can help solve all such problems.

San Antonio Bemer Microcirculation Device –Perfusion

The decrease in the blood flow rate within an organ can result in hypo perfusion. This can often result in renal failures which happen normally in the kidneys. Similar conditions can also occur for the ICU patients in their entire body. This is mainly seen in the lack of oxygen to the brain, resulting in brain damages. The application of San Antonio Bemer Microcirculation Device can restore the flow of blood to the normal conditions.

  • Excessive Bleeding: – post accident loss of blood and bleeding from injuries can lead to lack of blood flow through the microcirculation organs in addition to the macro circulation organs. In such cases there are chances of low blood pressure, organ failure and lack of oxygen supplies. The condition might occur after many days of treatment when the patient is discharged from the hospital. In all such cases the medical experts recommend the application of San Antonio Bemer Microcirculation Device for restoring the normal health conditions.
  • Post Angioplasty: – Angioplasty is a surgical procedure for releasing the blocks in the blood vessels. The narrowing of blood vessels can occur due to many reasons like clotting, inflammation, peripheral diseases, thrombosis conditions etc. many of these conditions can be solved through medications, shots and therapeutic treatments while the others call for angioplasty. This can result in excess of blood flow called hyper perfusion. The effective application of San Antonio Bemer Microcirculation Device can help in restoring the normal conditions.

The introduction to bookkeeping

Business No Comments

In a business organization, bookkeeping is the base of the organization’s accounting system. The responsibility of classifying, recording, and analyzing the business firm’s accounting transactions is on the bookkeeper. The bookkeeper should be aware of all the techniques required to record those accounting transactions.

As an owner of a small business, you have to either set up the accounting system yourself or hire someone who can set it for you. If it is a single person business and you are employed yourself, you will have to do the work yourself. But if you are willing to hire staff and except much growth, you might want to employ a controller to take care of your financial accounting and management. If your firm is going to expand, but you expect slow growth, then you may employ a bookkeeper or an accountant to handle your accounting system.

Controller vs. Accountant

A controller is a firm’s head accounting officer. He or she is responsible for maintaining or setting up the firm’s accounting structure. A controller is completely responsible for the company’s accounting data and how to respond to it responsibly and appropriately. The controller is often hired when a firm’s business expands.

Where a bookkeeper classifies and records the company’s financial transactions, an accountant takes further steps and reviews, analyzes, interprets, and reports financial data for the firm.

Single Entry or Double Entry Bookkeeping

Single-Entry bookkeeping is more like keeping a check register. As you make deposits or pay bills, you tend to record these transactions into the firm’s account. This only works when you are running a firm with a low amount of transactions.

If your firm is of any complexity and size, you will have to set a double-entry bookkeeping structure. A debit is recorded in one account and a credit to another account. This is the solution to double-entry bookkeeping. When all the expenses and income are managed properly, the owner finds it very easy to review the financial statement of the company.

Taking care of bookkeeping yourself can be very hectic as you have much other information to take care of. Owners prefer hiring professional bookkeepers who will handle all the financial information as it saves times and helps you run and concentrate on your business more efficiently. You can now call up Xero bookkeeping services sunshine coast for the best accounting and bookkeeping services in your area.

What common QuickBooks Errors may create a troublesome situation for you?

Quickbooks No Comments

If you are given the responsibility to handle the accounting department of an organization and you completely rely on QuickBooks for all processes, it is really a matter of authenticity. This accounting software offers you an excellent means to optimize all your tasks related to bookkeeping. And what if something goes wrong with your beloved software? The result can be very dire. Hopefully, most of the common issues with QuickBooks are very easy to fix, but the matter is you need to have a better understanding of the basic reason behind them. And the provider of this mind-blowing accounting software is never behind in offering you a world-class services. The availability of online assistance for quick handling of your technical worries is the illustration of its dedication towards the customer-oriented approach. And the availability of QuickBooks Support Phone Number strengthens technical support services.

Well! In this blog, we are gonna describe some of the errors and special tips to solve them. Hope, the tips will help you get out of such troubles.

  • Troubled while Updating Data Files

This tricky problem is seen when you’re upgrading your Quickbooks from one version to another one. While doing this, there are possibilities of some previous version data files aren’t readable by the new version.  The issue happens while installation, & there’s will be need of backup. The best part is to avoid the issue is to run verification before uninstalling the previous version. Another way is to install a new version along with the old version.

 

  • Not able to rebuild data files

While running verification of the previous version, verified data is still left to be upgraded in the new version. In such a scenario, you again need to go back to the previous version for rebuilding data. For some users, it may be very easy, while most of them find it a very complex issue.

If you have the issue; rebuild isn’t working, you should go for checking whether the data file is stored on the local machine. There might be an issue in rebuilding in case if your data is stored in the machine, but shared with other machines.

 

  • Data connection lost

A slight loss in internet connection can loss internet connectivity.  Once you’re clear about your connection, check whether Quickbooks is installed correctly. If both conditions are okay, then you can check the root cause of the error with QuickBooks connection diagnostic tool. It will help you figure out the cause.  Any security firewall or certain antivirus program can also be the reason for it, don’t forget to carry forward for it also.

  • Re installation of QuickBooks fails

If re installation of quickbooks fails, in such case you should process clean installation of quickbooks. For this, after un installation, completely delete remaining program files of quickbooks in c drive.

  • The software goes slow in multi-user mode

To overcome this issue, you should clean up company data tool in file-> utilities.

What did you learn? A conclusion

Hope, all issues with the best-recommended solution will make your accounting life with QuickBooks administration easier. Although, our representatives always give their hundred percent in helping you fix technical issues. You are free to connect us any time giving a phone call at quickbooks support phone number new york. Major areas where we have got expertise are QuickBooks pro, premium, enterprise and online & payroll versions.