Showing titles in Business Development & Entrepreneurship
-
-
Az Üzlet Öröme [Joy of Business]
- By: Simone Milasas, Gary M Douglas - contributor
- Narrated by: Nikolett Erdélyi
- Length: 4 hrs and 49 mins
- Unabridged
-
Overall
-
Performance
-
Story
Pragmatikus eszközök, történetek és javaslatok, hogy egy más módon hozz változást az üzletedbe.
-
Az Üzlet Öröme [Joy of Business]
- Narrated by: Nikolett Erdélyi
- Length: 4 hrs and 49 mins
- Release date: 06-04-24
- Language: Hungarian
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Regular price: £7.99 or 1 Credit
Sale price: £7.99 or 1 Credit
-
-
-
Impact
- Reshaping Capitalism to Drive Real Change
- By: Sir Ronald Cohen
- Narrated by: Finlay Robertson, Sir Ronald Cohen
- Length: 6 hrs and 22 mins
- Unabridged
-
Overall
-
Performance
-
Story
Envisage a world where inequality is shrinking, where natural resources are regenerated, and people can benefit from shared prosperity. In Impact, Sir Ronald Cohen proposes a new theory about how the Impact Revolution will enable us to achieve systemic social and environmental improvement. Impact investing is about creating a chain reaction. One that brings innovation to the stakeholders whose engagement is crucial to tackling massive social and environmental challenges at scale.
-
-
good intro to impact economy
- By haly on 28-08-21
-
Impact
- Reshaping Capitalism to Drive Real Change
- Narrated by: Finlay Robertson, Sir Ronald Cohen
- Length: 6 hrs and 22 mins
- Release date: 20-08-20
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Sale price: £4.99 or 1 Credit
Regular price: £12.99
Sale ends inSale has ended -
-
-
Profit Pillars
- A Proven System to Maximize the Bottom Line in Your Online Business
- By: Parker Charles Stevenson
- Narrated by: Pete Cross
- Length: 6 hrs and 56 mins
- Unabridged
-
Overall
-
Performance
-
Story
An entrepreneur’s guide to building a more profitable online business, even if you do not consider yourself a “numbers person.” By understanding and utilizing the four profit pillars, any online entrepreneur can develop the financial literacy they need to build a stable, reliable, and extremely profitable online business.
-
Profit Pillars
- A Proven System to Maximize the Bottom Line in Your Online Business
- Narrated by: Pete Cross
- Length: 6 hrs and 56 mins
- Release date: 19-11-24
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Regular price: £18.99 or 1 Credit
Sale price: £18.99 or 1 Credit
-
-
-
How to Be a Chief Operating Officer
- 16 Disciplines for Success (How to Be A...)
- By: Jennifer Geary
- Narrated by: Jennifer Geary
- Length: 6 hrs and 1 min
- Unabridged
-
Overall
-
Performance
-
Story
Chief Operating Officer is one of the most complex senior management roles in organisations today. It embraces a range of disciplines, from Technology to Human Resources, from Legal to Risk. Yet, unlike other senior executive roles, there is no established framework or body of knowledge to support the COO. This book de-mystifies the COO role and breaks it into 16 core elements; the three fundamental pillars of Culture, Strategy and Change, plus 13 technical areas. It outlines responsibilities, warning signs, and how to boost performance.
-
How to Be a Chief Operating Officer
- 16 Disciplines for Success (How to Be A...)
- Narrated by: Jennifer Geary
- Length: 6 hrs and 1 min
- Release date: 28-05-24
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Regular price: £14.99 or 1 Credit
Sale price: £14.99 or 1 Credit
-
-
-
No B.S. Time Management for Entrepreneurs
- The Ultimate No-Holds-Barred Kick-Butt Take-No-Prisoners Guide to Time Productivity and Sanity (No B.S. Series)
- By: Dan S. Kennedy
- Narrated by: Graham Rowat
- Length: 6 hrs and 43 mins
- Unabridged
-
Overall
-
Performance
-
Story
This audiobook is expressively for entrepreneurs and business owners who wear many hats - those who can't resist piling more responsibility onto his own shoulders, who has more great ideas than time and resources to take advantage of them, who runs (not walks) through each day. Serial entrepreneur Dan S. Kennedy delivers a fresh take on the mantra "time is money" as he shows you how to drastically re-engineer your entire relationship with time and, if applied faithfully, achieve peak personal productivity and make lots and lots of money.
-
-
Unlistenable
- By Anonymous User on 01-09-20
-
No B.S. Time Management for Entrepreneurs
- The Ultimate No-Holds-Barred Kick-Butt Take-No-Prisoners Guide to Time Productivity and Sanity (No B.S. Series)
- Narrated by: Graham Rowat
- Series: No B.S.
- Length: 6 hrs and 43 mins
- Release date: 19-11-19
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Regular price: £12.99 or 1 Credit
Sale price: £12.99 or 1 Credit
-
-
-
Two Weeks Notice
- Find the Courage to Quit Your Job, Make More Money, Work Where You Want and Change the World
- By: Amy Porterfield
- Narrated by: Amy Porterfield
- Length: 7 hrs and 38 mins
- Unabridged
-
Overall
-
Performance
-
Story
A step-by-step guide to create more balance, gain financial freedom, and create a life and business you love. If your heart is telling you that it's time to leave that 9-to-5 behind, or you feel alive every time you work on your side hustle, or you're fed up building someone else's dreams . . . it is time to give your two weeks' notice.
-
-
Annoying voice
- By Grantastical Com on 18-10-24
-
Two Weeks Notice
- Find the Courage to Quit Your Job, Make More Money, Work Where You Want and Change the World
- Narrated by: Amy Porterfield
- Length: 7 hrs and 38 mins
- Release date: 21-02-23
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Regular price: £12.99 or 1 Credit
Sale price: £12.99 or 1 Credit
-
-
-
How to Be a Power Connector
- The 5+50+100 Rule for Turning Your Business Network into Profits
- By: Judy Robinett
- Narrated by: Dina Pearlman
- Length: 8 hrs and 7 mins
- Unabridged
-
Overall
-
Performance
-
Story
As anyone in business knows, strategic planning is critical to achieving long-term success. In How to Be a Power Connector, super-networker Judy Robinett argues that strategic relationship planning should be your top priority.
-
-
Great book
- By Daniele T. on 20-04-22
-
How to Be a Power Connector
- The 5+50+100 Rule for Turning Your Business Network into Profits
- Narrated by: Dina Pearlman
- Length: 8 hrs and 7 mins
- Release date: 23-05-14
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Regular price: £14.99 or 1 Credit
Sale price: £14.99 or 1 Credit
-
-
-
The Start-Up J Curve
- The Six Steps to Entrepreneurial Success
- By: Howard Love
- Narrated by: Chris Abell
- Length: 7 hrs and 6 mins
- Unabridged
-
Overall
-
Performance
-
Story
After founding or co-founding over 15 start-ups and investing in another 50 early stage ventures as an angel investor, author Howard Love came to understand that a start-up unfolds in a predictable pattern. The more aware entrepreneurs are of this pattern, the better able they will be to capitalize on it.
-
-
The best book about the subject
- By Anonymous User on 15-01-24
-
The Start-Up J Curve
- The Six Steps to Entrepreneurial Success
- Narrated by: Chris Abell
- Length: 7 hrs and 6 mins
- Release date: 10-10-16
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Regular price: £14.99 or 1 Credit
Sale price: £14.99 or 1 Credit
-
-
-
Scaling People
- Tactics for Management and Company Building
- By: Claire Hughes Johnson
- Narrated by: Claire Hughes Johnson
- Length: 11 hrs and 32 mins
- Unabridged
-
Overall
-
Performance
-
Story
Scaling People is a practical and empathetic guide to being an effective leader and manager in a high-growth environment. The tactical information it puts forward—including guidance on crafting foundational documents, strategic and financial planning, hiring and team development, and feedback and performance mechanisms—can be applied to companies of any size, in any industry.
-
-
High on practical content, low on fluff
- By Anonymous User on 14-06-24
-
Scaling People
- Tactics for Management and Company Building
- Narrated by: Claire Hughes Johnson
- Length: 11 hrs and 32 mins
- Release date: 07-03-23
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Regular price: £18.99 or 1 Credit
Sale price: £18.99 or 1 Credit
-
-
-
Disciplined Entrepreneurship Expanded & Updated
- 24 Steps to a Successful Startup
- By: Bill Aulet
- Narrated by: Al Kessel
- Length: 13 hrs and 15 mins
- Unabridged
-
Overall
-
Performance
-
Story
Disciplined Entrepreneurship Expanded & Updated starts by combining the timeless and insightful principles of Disciplined Entrepreneurship with the practical tools found in the Disciplined Entrepreneurship Workbook into a single, comprehensive package. The book also has been updated with recent developments in the field and examples as well as a robust new library of additional resources. Author, entrepreneur, professor, and managing director of the Martin Trust Center for MIT Entrepreneurship, Bill Aulet, systematically walks listeners through exactly how to create a successful startup.
-
-
great business book - poor narration
- By Engect Limited on 04-09-24
-
Disciplined Entrepreneurship Expanded & Updated
- 24 Steps to a Successful Startup
- Narrated by: Al Kessel
- Length: 13 hrs and 15 mins
- Release date: 14-05-24
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Regular price: £12.99 or 1 Credit
Sale price: £12.99 or 1 Credit
-
-
-
Rent 2 Rent Success
- Our Ethical 6-Step System to Get You Started in Property Without Buying It
- By: Stephanie Taylor, Nicky Taylor
- Narrated by: Stephanie Taylor, Nicky Taylor
- Length: 5 hrs and 48 mins
- Unabridged
-
Overall
-
Performance
-
Story
Want to get started in property but worry you don't have enough money, time or experience? Stephanie and Nicky Taylor were there, too. They wanted the time, freedom, and options that property seemed to provide others, but they didn't know how to start and couldn't see anyone like them doing it. Since then, they have gone from financial uncertainty to building their own multi-million pound portfolio and creating an award-winning property business, HMO Heaven. Their unique Rent 2 Rent Success System will enable you to get started in property in a simple, ethical, and low-risk way.
-
-
Finally An Ethically Sound Way To Indpendence
- By Anthony Warren on 01-04-22
-
Rent 2 Rent Success
- Our Ethical 6-Step System to Get You Started in Property Without Buying It
- Narrated by: Stephanie Taylor, Nicky Taylor
- Length: 5 hrs and 48 mins
- Release date: 18-08-21
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Regular price: £14.99 or 1 Credit
Sale price: £14.99 or 1 Credit
-
-
-
#Girlboss
- By: Sophia Amoruso
- Narrated by: Sarah Jes Austell
- Length: 4 hrs and 40 mins
- Unabridged
-
Overall
-
Performance
-
Story
Penguin presents the unabridged, downloadable audiobook edition of #Girlboss by Sophia Amoruso, read by Sarah Jes Austell. The first thing Sophia Amoruso sold online wasn't fashion. It was a stolen book. At age 17 she was a dumpster-diving, shoplifting anarchist. By 29 she was the founder and CEO of Nasty Gal, a $100 million-plus fashion empire. Filled with brazen wake-up calls ("You are not a special snowflake"), frank observations ("Failure is your invention"), and behind-the-scenes stories....
-
-
Rather patronising and SO American
- By Sophie on 12-01-16
-
#Girlboss
- Narrated by: Sarah Jes Austell
- Length: 4 hrs and 40 mins
- Release date: 06-08-15
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Regular price: £7.99 or 1 Credit
Sale price: £7.99 or 1 Credit
-
-
-
The Dealmaker
- Lessons from a Life in Private Equity
- By: Guy Hands
- Narrated by: Simon Shepherd, Guy Hands - introduction
- Length: 10 hrs and 42 mins
- Unabridged
-
Overall
-
Performance
-
Story
The Dealmaker is a frank and honest account of how a severely dyslexic child who struggled at school went on to graduate from Oxford and become a serial entrepreneur. It describes Guy Hand's career in private equity, first at Nomura and then as head of his own company, Terra Firma. It looks in detail at the huge deals that Terra Firma has done over the years, involving everything from cinema chains and pubs to waste management, aircraft leasing and green energy.
-
-
Comes across as a bit of a T****r
- By Steve on 11-11-21
-
The Dealmaker
- Lessons from a Life in Private Equity
- Narrated by: Simon Shepherd, Guy Hands - introduction
- Length: 10 hrs and 42 mins
- Release date: 04-11-21
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Regular price: £12.99 or 1 Credit
Sale price: £12.99 or 1 Credit
-
-
-
Leading Change
- By: John P. Kotter
- Narrated by: Oliver Wyman
- Length: 6 hrs and 34 mins
- Unabridged
-
Overall
-
Performance
-
Story
The pressures on organizations to change will only increase over the next decades. Yet the methods managers have used to strengthen their companies—total quality management, reengineering, right sizing, restructuring, cultural change, and turnarounds—routinely fall short. In Leading Change, Kotter identifies an eight-step process that every company must go through to achieve its goal, and shows where and how people—good people—often derail.
-
-
Classic Management Text - Must Read
- By Stephen S on 13-04-13
-
Leading Change
- Narrated by: Oliver Wyman
- Length: 6 hrs and 34 mins
- Release date: 29-04-11
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Regular price: £12.99 or 1 Credit
Sale price: £12.99 or 1 Credit
-
-
-
Earl Nightingale Reads Think and Grow Rich
- By: Napoleon Hill
- Narrated by: Earl Nightingale
- Length: 42 mins
- Unabridged
-
Overall
-
Performance
-
Story
Earl Nightingale said that he came to his “aha” moment at the age of twenty-nine while reading Napoleon Hill’s Think and Grow Rich - specifically the words “we become what we think about”. Shortly thereafter he recorded The Strangest Secret which went on to earn a gold record and became the largest selling non-entertainment recording in record industry history. Think and Grow Rich is the standard against which all motivational books are measured. The book (and audiobook) has helped millions of people create their own success and realize their dreams.
-
-
A Must Have Tool
- By Francis on 31-07-15
-
Earl Nightingale Reads Think and Grow Rich
- Narrated by: Earl Nightingale
- Length: 42 mins
- Release date: 07-06-11
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Regular price: £3.99 or 1 Credit
Sale price: £3.99 or 1 Credit
-
-
-
Building Your Future
- A Step by Step Guide to Building a £1Million+ Construction Business
- By: Greg Wilkes
- Narrated by: Greg Wilkes
- Length: 3 hrs and 36 mins
- Unabridged
-
Overall
-
Performance
-
Story
Are you fed up running your construction company? Sick of not being paid what you are worth? Stressed out with poor cashflow and low profits? Would you like to have a proven strategy to give you more time, freedom and money? Building Your Future is a practical business guide designed specifically for business owners in the construction and service industry who want to grow a highly successful and profitable business while reclaiming more time and freedom.
-
-
Very informative!
- By Rowan on 18-01-23
-
Building Your Future
- A Step by Step Guide to Building a £1Million+ Construction Business
- Narrated by: Greg Wilkes
- Length: 3 hrs and 36 mins
- Release date: 21-10-21
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Regular price: £11.99 or 1 Credit
Sale price: £11.99 or 1 Credit
-
-
-
The Innovation Stack
- Building an Unbeatable Business One Crazy Idea at a Time
- By: Jim McKelvey
- Narrated by: Jim McKelvey
- Length: 6 hrs and 23 mins
- Unabridged
-
Overall
-
Performance
-
Story
Frustrated by the high costs and difficulty of accepting credit card payments, McKelvey joined his friend Jack Dorsey (the cofounder of Twitter) to launch Square, a startup that would enable small merchants to accept credit card payments on their mobile phones. The Innovation Stack is a thrilling business narrative that's much bigger than the story of Square. It is an irreverent first-person look inside the world of entrepreneurship, and a call to action for all of us to find the entrepreneur within ourselves and identify and fix unsolved problems - one crazy idea at a time.
-
-
inspirational
- By mifrah on 24-03-20
-
The Innovation Stack
- Building an Unbeatable Business One Crazy Idea at a Time
- Narrated by: Jim McKelvey
- Length: 6 hrs and 23 mins
- Release date: 10-03-20
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Regular price: £12.99 or 1 Credit
Sale price: £12.99 or 1 Credit
-
-
-
Community Is Your Currency
- 10 Steps to Creating an Engaged Following & Standout Brand Online
- By: Daisy Morris
- Narrated by: Daisy Morris
- Length: 7 hrs and 3 mins
- Unabridged
-
Overall
-
Performance
-
Story
The key to a booming business is your community. Founder of social media consultancy The Selfhood Daisy Morris is here with the ultimate guide for all the side-hustlers, creators, business owners and freelancers looking to build a genuine community on social media. This audiobook drops the jargon - Daisy will teach you how to take your community on a journey. From brand awareness through to conversion, you will have the confidence to expand your reach while nurturing your existing fans, followers, subscribers and customers to turn them in to loyal and repeat customers.
-
-
Realistic & relatable
- By Alex on 24-07-24
-
Community Is Your Currency
- 10 Steps to Creating an Engaged Following & Standout Brand Online
- Narrated by: Daisy Morris
- Length: 7 hrs and 3 mins
- Release date: 31-08-23
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Regular price: £12.99 or 1 Credit
Sale price: £12.99 or 1 Credit
-
-
-
How to Avoid a Climate Disaster
- The Solutions We Have and the Breakthroughs We Need
- By: Bill Gates
- Narrated by: Wil Wheaton, Bill Gates
- Length: 7 hrs and 11 mins
- Unabridged
-
Overall
-
Performance
-
Story
Bill Gates, founder of Microsoft, shares what he has learnt in more than a decade of studying climate change and investing in innovations to address climate problems. He explains how the world can work to build the tools it needs to get to net-zero greenhouse gas emissions - investing in research, inventing new technologies and deploying them quickly at a large scale. Gates is optimistic that the world can prevent the worst impacts of the climate crisis.
-
-
I feel wiser
- By John on 19-02-21
-
How to Avoid a Climate Disaster
- The Solutions We Have and the Breakthroughs We Need
- Narrated by: Wil Wheaton, Bill Gates
- Length: 7 hrs and 11 mins
- Release date: 16-02-21
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Regular price: £12.99 or 1 Credit
Sale price: £12.99 or 1 Credit
-
-
-
ABCs of Real Estate Investing
- The Secrets of Finding Hidden Profits Most Investors Miss
- By: Ken McElroy
- Narrated by: Garrett Sutton
- Length: 5 hrs and 7 mins
- Unabridged
-
Overall
-
Performance
-
Story
The ABCs of Real Estate Investing teaches how to achieve wealth and cash flow through real estate, find a property with real potential, unlock the myths that are holding you back, negotiate the deal based on the numbers, and much more.
-
-
my first real estate investment book and I love it
- By Jerry on 05-10-18
-
ABCs of Real Estate Investing
- The Secrets of Finding Hidden Profits Most Investors Miss
- Narrated by: Garrett Sutton
- Length: 5 hrs and 7 mins
- Release date: 29-01-13
- Language: English
Failed to add items
Sorry, we are unable to add the item because your shopping cart is already at capacity.Add to basket failed.
Please try again laterAdd to wishlist failed.
Please try again laterRemove from wishlist failed.
Please try again laterAdding to library failed
Please try againFollow podcast failed
Unfollow podcast failed
Regular price: £12.99 or 1 Credit
Sale price: £12.99 or 1 Credit
-