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Wyniki wyszukiwania dla: financing heritage

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Wyniki wyszukiwania dla: financing heritage

  • Price bubbles in commodity market – A single time series and panel data analysis

    This paper examines thirty-five commodities, grouped into three market sectors (energy, metals, agriculture & livestock) in terms of the occurrence of price bubbles. The study was based on monthly data for each commodity separately and, in a panel approach, for selected sectors and for all commodities combined. The GSADF test and its version for panel data – panel GSADF – were used to identify bubbles. The beginning and end of...

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  • Analysis of Investments in RES Based on the Example of Photovoltaic Panels in Conditions of Uncertainty and Risk—A Case Study

    Publikacja

    - ENERGIES - Rok 2023

    The aim of this study is to examine the profitability of investment in a photovoltaic microinstallation, to analyze the impact of legal changes on its profitability, and to perform a sensitivity analysis of the investment profitability to energy price changes. The novelty of the research applies to the financial analysis of two legal systems of discount called net-metering and net-billing. The two systems and the change in energy...

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  • Bankruptcy Law Severity for Debtors: Comparative Analysis Among Selected Countries

    Publikacja

    - European Research Studies Journal - Rok 2020

    Purpose: The objective of this paper is to propose the new indicator of bankruptcy law severity for debtors (BLSI-Bankruptcy Law Severity Index). On the basis of this index we conducted comparative analysis of debtor/creditor friendliness of bankruptcy laws among 27 selected countries. Design/Methodology/Approach: In the research the following methods were used: analysis of legal acts, literature review and expert method. Findings:...

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  • Neutralising Responsibility: A Critical Analysis of an Airline’s Climate Disclosures

    Publikacja

    - Rok 2021

    Sustainability reporting provides companies with a medium through which they can communicate their non-financial impacts to stakeholders. The airline industry has been much at the centre of the climate change debate in recent years, which is why it is hardly surprising that airlines seek to take a proactive stance in such reporting. This study critically assesses how an airline based in the Scandinavian region constructs sustainability...

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  • The influence of climate change on the life insurance in the EU: A panel data approach

    Publikacja

    - E3S Web of Conferences - Rok 2021

    The financial sector, as one of the most sensitive economic sectors, is alert to all trends and changes in the environment. The aim of the article is to study the impact of climate change on the life insurance market using panel data from 28 countries of the European Union (EU) for the last 9 years. This study is based on a panel model, where the amount of premiums under life insurance contracts is defined as a function of the...

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  • The impact of drying and steaming processes on surface color changes of tension ad normal beech wood

    Publikacja

    - DRYING TECHNOLOGY - Rok 2019

    The aim of the article is to present the influence of high temperature to selected properties of beech wood (Fagus sylvatica L.). The properties such as moisture content, color changes and longitudinal warping were analyzed. The quality of beech wood is determined based on structure and properties of wood, frequency of defects in wood material. The tension wood is considered as an important wood defect causing negative alterations...

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  • Architectural Symbols of a City – Case Study

    The identity of a city is understood as a collection of individual features, which give the city its individual character and distinguish it from other places; it undoubtedly constitutes a cultural value, which should be cherished. In the case of Sopot – a spa located on the Bay of Gdansk, the mosaic of its geographical location, landscape values, urban layout and historic architecture has created a unique image of a seaside resort....

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  • Shaping Place Identity through Interaction on the Example of the European Solidarity Centre in Gdansk

    Publikacja

    - Rok 2017

    The article presents process of shaping place identity on the example of an important for Pomerania region investment - European Solidarity Centre. The realization of the European Solidarity Centre aims to be one of the essential elements of shaping Gdańsk’s identity of space. The article is an attempt to analyse how the presence of realization gradually affects the formation of the place identity of new urban space. Analysis...

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  • CROWDFUNDING OF RESEARCH PROJECTS IN POLAND

    Publikacja

    Crowdfunding recently became a very popular way of funding, which allows funding almost everything, from minor personal projects to expensive commercial ones, as long as we can find investors. It may also be a new opportunity for entrepreneurial researchers, who may attract capital investment in companies that are promised to own developed technologies. Social financing of science is well suited to reduce some of the biggest problems...

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  • Automated Valuation Model based on fuzzy and rough set theory for real estate market with insufficient source data

    Publikacja

    - LAND USE POLICY - Rok 2019

    Objective monitoring of the real estate value is a requirement to maintain balance, increase security and minimize the risk of a crisis in the financial and economic sector of every country. The valuation of real estate is usually considered from two points of view, i.e. individual valuation and mass appraisal. It is commonly believed that Automated Valuation Models (AVM) should be devoted to mass appraisal, which requires a large...

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  • Future opportunities for products derived from black soldier fly (BSF) treatment as animal feed and fertilizer - A systematic review

    Publikacja
    • S. A. Siddiqui
    • A. S. Gadge
    • M. Hasan
    • T. Rahayu
    • S. N. Povetkin
    • I. Fernando
    • R. Castro Munoz

    - ENVIRONMENT DEVELOPMENT AND SUSTAINABILITY - Rok 2024

    The pursuit of novel food products with good nutritional value for both direct and indirect human consumption is crucial. Given the nutritional benefits of insects and the sustainability of this sort of farming, using them as food for farmed animals is a promising alternative. In this regard, the black soldier fly (Hermetia illucens) is most capable of efficiently converting a wide variety of organic materials, from food waste...

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  • Superkomputery do wspomagania procesów gospodarczych ze szczególnym uwzględnieniem sektora bankowego

    W artykule omówiono wykorzystanie superkomputerów do wspomagania procesów gospodarczych ze szczególnym uwzględnieniem sektora bankowego. Odniesiono się do wybranych projektów wspierających rozwój gospodarczy w oparciu o superkomputery. W szczególności zaproponowano zastosowanie HPC do implementacji wybranych metod sztucznej inteligencji w bankowości, w tym oceny ryzyka wybranych przedsięwzięć. Zaproponowane podejście umożliwia...

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  • Zasady efektuacji w działaniach początkujących przedsiębiorców

    Artykuł dotyczy efektuacyjnego, dynamicznego modelu przedsiębiorczości stanowiącego odpowiedź na wymagania zmiennego, niepewnego otoczenia biznesowego, w którym funkcjonują współcześni przedsiębiorcy. We wcześniejszych badaniach, obejmujących stosowanie pięciu zasad efektuacji w prowadzeniu firm, różni autorzy odnosili się głównie do dojrzałych przedsiębiorców, charakteryzujących się doświadczeniem w zakładaniu i prowadzeniu własnego...

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  • Use of LIDAR Data in the 3D/4D Analyses of the Krakow Fortress Objects

    Publikacja
    • E. Głowienka
    • K. Michałowska
    • P. Opaliński
    • B. Hejmanowska
    • S. Mikrut
    • P. Kramarczyk

    - Rok 2017

    The article presents partial results of studies within the framework of the international project "Cultural Heritage Through Time" (CHT2). The subject of the study were forts of the Krakow Fortress, which had been built by the Austrians between 1849-1914 in order to provide defence against the Russians. Research works were aimed at identifying architectural changes occurring in different time periods in relation to selected...

  • Zadłużenie jednostek samorządu terytorialnego i jego determinanty

    Publikacja

    - STUDIA BAS - Rok 2021

    W artykule zbadano przesłanki i skutki zadłużania się jednostek samorządu terytorialnego w Polsce, a także zidentyfikowano determinanty ich zadłużenia w podziale na prawno-finansowe, polityczne, ekonomiczno-społeczne i organizacyjno-zarządcze. Przedstawiono również poziom zadłużenia tych jednostek w latach 2003-2020. Najbardziej zadłużone są miasta na prawach powiatu i gminy, co jest przede wszystkim związane z realizowanymi przez...

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  • Consumer Bankruptcy Prediction Using Balanced and Imbalanced Data

    Publikacja

    - Risks - Rok 2022

    This paper examines the usefulness of logit regression in forecasting the consumer bankruptcy of households using an imbalanced dataset. The research on consumer bankruptcy prediction is of paramount importance as it aims to build statistical models that can identify consumers in a difficult financial situation that may lead to consumer bankruptcy. In the face of the current global pandemic crisis, the future of household finances...

  • Russian companies on foreign stock markets: alternative to domestic market?

    Publikacja

    - Rok 2014

    First aim of this study is to present the main aspects of the Russian stock market, including obstacles for local companies and investors. Second aim is presentation of the Russian companies listed on foreign stock exchanges. In order to perform such analysis, descriptive statistics and information about qualitative features were used. Assessment of the Russian stock market’s development level covered 2003-2012 time period. According...

  • Maturity Mismatch in the Polish Banking System and its Impact on the Economy

    Publikacja

    - Rok 2013

    In the article maturity mismatch in the Polish banking system is estimated based on the publicly available data. Then the impact on the economy is discussed. Based on Polish central bank’s data it may be estimated that between 1996 and 2012 the maturity gap increased significantly – average residual maturity of assets exceeds 6 years in 2012 (less than 2 years in 1996), while that of liabilities remains below 1 year. The gap...

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  • A comprehensive survey on low-cost ECG acquisition systems: Advances on design specifications, challenges and future direction

    Publikacja
    • N. Faruk
    • A. Abdulkarim
    • I. Emmanuel
    • Y. Y. Folawiyo
    • K. S. Adewole
    • H. A. Mojeed
    • A. A. Oloyede
    • L. A. Olawoyin
    • I. A. Sikiru
    • M. Nehemiah... i 5 innych

    - Biocybernetics and Biomedical Engineering - Rok 2021

    Availability of low-cost, reliable, and portable Electrocardiography (ECG) devices is still very important in the medical world today. Despite the tremendous technological advancement, Cardiovascular Diseases (CVDs) remain a serious health burden claiming millions of lives on an annual basis globally. This is more prevalent in Low and Middle-Income Countries (LMICs) where there are huge financial instability and lack of critical...

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  • Female entrepreneurship in Kazakhstan

    Publikacja

    - Rok 2021

    Women constitute the majority of the Kazakh population and, even though they live almost 10 years longer than men on average, they are far less economically active. Less than half of the female population take up employment. Women’s wages are often as much as 30% lower than men’s. The subjective reasons for undertaking economic activity as mentioned by women included: independence from the husband, low earnings of the husband and...

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  • Determinants of COVID-19 Impact on the Private Sector: A Multi-Country Analysis Based on Survey Data

    Publikacja

    Our paper aims to investigate the impact of COVID‐19 on private sector companies in terms of sales, production, finance and employment. We check whether the country and industry in which companies operate, government financial support and loan access matter to the behaviour and performances of companies during the pandemic. We use a microdata set from a worldwide survey of more than 15,729 companies conducted between April and...

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  • The Indonesian economy in 2005: An analysis using the input-output approach

    Publikacja

    - Rok 2016

    This study aims to analyze the economic conditions of Indonesia in 2005. This study employs Input-Output (IO) analysis as an analysis instrument. The data of this study is the Indonesian IO table for 2005. Thus, the Indonesian economy is represented by Indonesian industrial sectors mentioned in the data. There are nine industries used in the present study, namely (1) agriculture, livestock, forestry, and fishery, (2) mining and...

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  • Wyznaczanie stref efektywności kanałów dystrybucji na przykładzie wybranego producenta artykułów

    Publikacja

    - Logistyka - Rok 2015

    Wybór kanału dystrybucji zalicza się do decyzji strategicznych, ponieważ pod uwagę należy wziąć zarówno aspekty ekonomiczne, jak i te, które są związane z obsługą klienta. We współczesnych kanałach dystrybucji, które cechuje duża różnorodność wynikająca ze sposobu przepływu towarów z miejsca ich produkcji do miejsca konsumpcji, istotne znaczenie będzie miał sprawny i szybki przepływ strumieni finansowych, materiałowych i informacyjnych....

  • L'economia mondiale dopo la guerra fredda

    Publikacja

    - Rok 2018

    Che cosa è successo negli equilibri economici mondiali a partire dal 1989 e dalla dissoluzione del vecchio ordine sovietico? Dopo aver esaminato gli Usa e i suoi competitori asiatici, Giappone e Cina, il libro si concentra sull’Europa e sulle grandi trasformazioni portate dalla riunificazione tedesca, da Maastricht e dalla nascita dell’euro. Infine analizza, nell’ambito della globalizzazione, il ruolo dei BRICS, lo sviluppo economico...

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  • Macroeconomic functions of the Russian stock market

    Publikacja

    - Rok 2013

    The purpose of this article is to present the structure of the stock market in the Russian Federation and the significance of this part of national financial system for the whole economy, particularly the degree of main macroeconomic functions fulfillment. First part of the text includes an overview of the main theoretical concepts linked with the stock market roles as well as a brief description of results of selected studies...

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  • PRINCIPLES OF ARTIFICIAL INTELLIGENCE APPLICATION IN CONTROL OF THE ENTERPRISE

    The implementation of the tasks of evaluating historical financial information, the control or audit of business activities are based primarily on professional judgments about the object of study of a professional accountant or auditor. Their findings are drawn on the basis of the study of documents, the use of audit evidence, risk assessment, etc. There is always a probability (and rather high) that professional judgment will...

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  • Computer Simulation in Predicting Biochemical Processes and Energy Balance at WWTPs

    Publikacja

    Nowadays, the use of mathematical models and computer simulation allow analysis of many different technological solutions as well as testing various scenarios in a short time and at low financial budget in order to simulate the scenario under typical conditions for the real system and help to find the best solution in design or operation process. The aim of the study was to evaluate different concepts of biochemical processes and...

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  • Dotacje unijne jako źródło finansowania innowacji w małych i średnich przedsiębiorstwach

    Publikacja

    - Rok 2016

    Artykuł dotyczy wskazania możliwości pozyskania źródeł finansowania innowacji małych i średnich przedsiębiorstw. Przykładem tego mają być dostępne obecnie lub w przyszłości granty i fundusze unijne. W artykule przedstawiono owe dotacje i ogólne ich zasady z uwzględnieniem programu z jakiego pochodzą i dla jakiego podmiotu mają być dedykowane. Ponadto zaprezentowano propozycje na co mogą być przeznaczone środki z poszczególnych...

  • Inwentaryzacja miejsc zdarzeń kryminalnych przy wykorzystaniu naziemnego skaningu laserowego

    Inwentaryzacja miejsc zdarzeń kryminalnych przy wykorzystaniu naziemnego skaningu laserowego jest rozwiązaniem często spotykanym przy w rozwiniętych krajach Europy i Ameryki Północnej. W Polsce znajdujemy pierwsze zastosowania do rejestrowania zdarzeń kryminalnych o szczególnym stopni skomplikowania lub związanych z nieprzeciętną liczbą ofiar. Zasadniczo jednak skaning laserowy stosuje się w sprawach o zabójstwo, a rzadko w rozwiązaniach...

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  • Ultra-rare ultra-care: The unique burden of ultra rare disease caregiving

    Publikacja

    Background: We sought to assesses the impact of caring for children with ultra rare diseases (URDs) on familycarers and to analyse the way these experiences differ among the caregivers of children diagnosed throughprenatal or newborn screening, and those with symptom-based diagnosis.Methods: A total of 200 caregivers of 219 URDs children completed an on-line survey regarding the challengesand experiences...

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  • Transparency of publicly available information about fiscal and monetary policy in Poland

    Publikacja

    - Rok 2021

    Research background: The quality of information provided by fiscal and monetary authorities are important in a democratic state. Ensuring fiscal policy transparency reduces fiscal risk and corruption and promotes public acceptance of fiscal reforms. Ensuring transparency in monetary policy allows market participants to anticipate central bank responses and take their effects into account when making investment and consumption decisions. Aim...

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  • Technical and economic analysis of energy storage in the compressed air technology with low capacity for the production plant

    Compressed air energy storage (CAES) system is a promising technology due to its numerous advantages, including relatively low maintenance cost, a long lifespan and high operational flexibility. This article explores the possibility of designing a CAES power plant as a source of electricity and heat for an existing industrial plant. The study involves the technical analysis of the power plant parameters and the economic analysis...

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  • Hidden Champions of Poland

    Publikacja
    • G. Leśniak- Łebkowska
    • M. Popowska
    • M. Godlewska
    • M. Łukasiewicz

    - Rok 2021

    Poland is a country with a strong entrepreneurial spirit. The hidden champions’ performance has been closely related to political and economic changes: the fall of communism in 1989 and the transition from a centrally planned economy to a market economy. This led to the emergence of small private businesses focused on the domestic market. The accession to the European Union in 2004 created new perspectives for the hidden champions’...

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  • The Housing Pattern and Entrepreneurship in Polish Suburban Landscape

    Abstract. Housing stimulates the development of SMEs (small and medium enterprises) in the suburbs. The multidisciplinary research in fields of urban planning and economics, carried out by the Authors, confirms this trend. The purpose of this paper is to present the multidisciplinary results of the research on the determinants of SME localization in the suburban areas of Gdansk, Gdynia and Sopot (the Metropolitan Area Gdansk–Gdynia-Sopot...

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  • 20+ years of Polish residential real estate prices – a house price index proxy

    Publikacja

    Information on house prices is often considered crucial when assessing developments in economy. However, in Poland for the long time house prices haven’t been tracked in an organized manner. Recent developments, most notably house price indices developed by Poland’s national bank and by the statistical office do not go back more than 10 years, therefore data series are relatively short compared to those of other macroeconomic data. In...

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  • Structure of the US investment company industry over the period 2000 to 2017: substitution analysis

    Publikacja

    Over the last years the investment company industry has undergone deep transformation in the majority of the most advanced economies, including the United States. Traditional investment companies, such as mutual funds, have lost their market share to innovative exchange-traded funds (ETFs). The main distinctive features of ETFs are listing and trading in their units on the stock exchanges as well as lower costs for investors. The...

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  • ZRÓŻNICOWANIE KORZYŚCI EKONOMICZNYCH Z ZAANGAŻOWANIA CZYNNIKA PRACY

    Zróżnicowane ujęcie znaczenia pracy stwarza możliwości szerokiego spojrzenia na korzyści jakie daje jej posiadanie, wykorzystanie. Korzyści indywidualne mogą wynikać z osiągania przez pracobiorców dochodów z tytułu świadczenia pracy, zaspakajania swoich potrzeb i możliwości samorealizacji czy rozwoju. Natomiast zaangażowanie zasobów pracy przez przedsiębiorstwa może generować zyski i sprzyjać ich dalszemu rozwojowi. Praca wykorzystana...

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  • Premie i dyskonta w wycenach przedsiębiorstw

    Publikacja

    Głównym celem artykułu jest ukazanie rodzajów i zasad stosowania korekt w wycenie przedsiębiorstw. Na podstawie literatury przedmiotu zaprezentowano wyniki badań dotyczące różnych koncepcji kalkulacji premii oraz dyskont, ich poziomów i czynników je kształtujących. Zaznaczono, iż podczas ich stosowania w wycenie spółki do każdego przypadku należy podchodzić indywidualnie i uwzględniać jego charakterystykę. W drugiej części opracowania...

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  • Wielokryterialne Wspomaganie decyzji środowiskowych przy wydobywaniu węglowodorów z formacji łupkowych

    Publikacja
    • W. Treichel
    • T. Andrzej
    • J. Zaleska-Bartosz
    • N. Marek
    • P. Karol
    • G. Maria
    • A. Małachowska

    - Rok 2017

    Poszukiwanie i eksploatacja gazu z formacji łupkowych wymaga zidentyfikowania i uwzględnienia wielu czynników i uwarunkowań geologiczno-górniczych, ekonomiczno-finansowych, prawnych oraz szeroko rozumianych aspektów przestrzenno-środowiskowych. Poruszane zagadnienia prowadzą do zidentyfikowania problemów decyzyjnych, które mogą pojawiać się przy eksploatacji gazu z łupków, a które wiążą się z intensywnym korzystaniem z zasobów...

  • The electrochemical impedance spectroscopy studies of the anode material based on polymer and starch derived ceramic for lithium ion batteries

    The anode materials derived of preceramic polymer poly(1,2-dimethylsilazane) (PSN) and starch was study. Commercially available polysilazane (poly(1,2-dimethylsilazane (PSN 2M01 Gelest) was mixed with commercially available starch (POCH Gliwice). The ratio polymer/starch (PSN/starch) was 1/1 or 3/7. The polysialazane/starch blend was cross-linked at 230 ºC for 2 h followed by heating to the final temperature (500 ºC, 700 ºC and...

  • Determinants of the incidence of non-academic staff in European and US HEIs

    Publikacja

    - HIGHER EDUCATION - Rok 2023

    In this article, we contribute to the scant literature covering quantitative studies on the determinants of the non-academic staff incidence in higher education institutions by analysing how the proportion of non-academic staff is related to key features such as size, prestige, year of foundation and financial structure of universities. We apply nonlinear regression analysis to compare HEIs across Europe and the USA, taking into...

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  • Human Resource Management Digitalisation in Multidisciplinary Ship Design Companies

    Publikacja

    The digitalisation in the ship design sector is currently applied to the design process itself and is well defined, partially standardised and practically implemented by both independent design companies and the design departments of shipyards. The situation is similar in other sectors of engineering. However, the requirements for the digitalisation of other processes in design and engineering companies have not previously been...

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  • Tourism for older and disabled people

    Publikacja

    - Rok 2008

    Tourist offer for the older and disabled is getting wider. Many hotels and cities are adjusted to disabled people's needs, but there are not enough safe places for leisure, where they could be surrounded by nature. In comparison with cities - villages and small towns have very little to offer as far as tourism is concerned. This problem is noticed by small local communities that threat it as a chance for their economical development....

  • Is it possible to create a unified urban greenery management system (UGMS) on a national scale? The concept for EU Member State of Poland

    Publikacja

    - ENVIRONMENTAL SCIENCE & POLICY - Rok 2023

    Motives: Currently developed urban greenery management systems (UGMS) are limited in scope and profiled towards solving particular issues. Moreover, due to the lack of common standards and solutions, UGMS implementation requires considerable financial effort, which is only feasible for wealthy urban centres. There is a need for universal, cost-effective technological solutions which could constitute a common urban green infrastructure...

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  • The congruence of mental models in entrepreneurial teams – implications for performance and satisfaction in teams operating in an emerging economy

    Purpose – The paper aims to explore the relationship between the congruence of mental models held by the members of entrepreneurial teams operating in an emerging economy (Poland) and entrepreneurial outcomes (performance and satisfaction). Design/methodology/approach – The data obtained from 18 nascent and 20 established entrepreneurial teams was analysed to answer hypotheses. The research was quantitative and was conducted using...

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  • Analyzing Wind Energy Potential Using Efficient Global Optimization: A Case Study for the City Gdańsk in Poland

    Publikacja

    - ENERGIES - Rok 2022

    Wind energy (WE), which is one of the renewable energy (RE) sources for generating electricity, has been making a significant contribution to obtaining clean and green energy in recent years. Fitting an appropriate statistical distribution to the wind speed (WS) data is crucial in analyzing and estimating WE potential. Once the best suitable statistical distribution for WS data is determined, WE potential and potential yield could...

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  • Evidence of the impact of sport policies on physical activity and sport participation: a systematic mixed studies review

    Publikacja
    • K. Volf
    • L. Kelly
    • E. García Bengoechea
    • B. Casey
    • P. Gelius
    • S. Messing
    • S. Forberger
    • J. Lakerveld
    • N. R. Den Braver
    • J. Żukowska
    • C. Woods

    - International Journal of Sport Policy and Politics - Rok 2022

    Participation in sport contributes to increased physical activity (PA) levels. Increasing PA is a public health concern due to its recognised impact on health outcomes. International policy actors such as the Council of Europe, the World Health Organisation (WHO) and the International Society for Physical Activity and Health (ISPAH) have recommended that ‘sport for all’ is promoted both for public health and as a basic right. This...

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  • Europe, between Mandatory and Voluntary Approach to CSR: Some New Evidence from the Polish Listed Companies

    Publikacja

    This paper aims to explore the relationship between corporate governance rules and application of CSR practices into operations of the top 30 companies listed on the Warsaw Stock Exchange. Since in Poland, so far, there is no obligation to follow any specific CSR standards or to make disclosures of non-financial, social and environmental information, this is still a fully voluntary approach. At the moment, only some of the companies...

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  • Multi-region fuzzy logic controller with local PID controllers for U-tube steam generator in nuclear power plant

    In the paper, analysis of multi-region fuzzy logic controller with local PID controllers for steam generator of pressurized water reactor (PWR) working in wide range of thermal power changes is presented. The U-tube steam generator has a nonlinear dynamics depending on thermal power transferred from coolant of the primary loop of the PWR plant. Control of water level in the steam generator conducted by a traditional PID controller...

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  • Modeling the Customer’s Contextual Expectations Based on Latent Semantic Analysis Algorithms

    Publikacja

    Nowadays, in the age of Internet, access to open data detects the huge possibilities for information retrieval. More and more often we hear about the concept of open data which is unrestricted access, in addition to reuse and analysis by external institutions, organizations and people. It’s such information that can be freely processed, add another data (so-called remix) and then published. More and more data are available in text...

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