Total 24 financial analyst job vacancies in Others category in wimbledon new south wales

Are looking for your next career challenge? Our Commercial Analyst role could be the position you are looking for. 

Konica Minolta is innovative, robust and continually evolving. From printing, scanning and copying to cloud storage and robotics, our award-winning products and solutions help companies to transform and move information faster. Our people make this possible. As a Workplace Gender Equality Agency Employee of Choice, we offer workplace flexibility, support diversity and promote events and activities to support wellbeing. We strive to create and maintain an inclusive workforce as diverse and capable as our class-leading solutions. We actively encourage women and those from diverse backgrounds to apply for our roles.

About the role
This exciting 12-month opportunity has arisen due to an internal transfer and can be undertaken in ACT/NSW/QLD/SA/VIC/WA. As a Commercial Analyst, reporting to the Solution Delivery Manager, you will help create and deliver quotations for software licensing, renewals, and related professional services. You will work with technical and sales teams to ensure accurate quotes that meet client needs for both new and existing Konica Minolta customers. Additionally, you will develop and review pricing plans to boost revenue and stay competitive. You will also help prepare forecast reports, compare them with estimates and actual results, and identify any differences.

In consultation with key stakeholders, your primary responsibilities will be:

• Support the delivery of quotation of software solution licensing, software renewals and related Professional Services. Work closely with technical and sales teams to prepare and deliver accurate quotations ensuring all client requirements are met
• Maintain up-to-date records of all quotation-related documents and data. Distribute these materials to relevant stakeholders and ensure the accuracy and availability of pricing tools
• Develop and analyse pricing strategies to optimise revenue and stay competitive
• Assist in preparing forecast reports, and track against estimates and actuals and identify variances
• Liaise with software vendors & internal Marketing teams on pricing arrangements
• Support ad-hoc reporting and manage data administration as required
• Help respond to requests for proposals and requests for information from prospects & customers
• Support Professional Services Team and customer throughout the sales cycle as required

Knowledge, Experience & Requirements

• Ideally industry knowledge in pricing, sales process, Professional Services or Information Technology
• Advantageous to have a working understanding of Print Management Software Solutions, however not essential as training will be provided
• Desire to learn Enterprise Software Applications such as SAP/CRM, SharePoint – which will be the tools you will be utilising to fulfil your role.
• Intermediate ability in MS Excel, Word and Powerpoint
• Ability to think critically and problem solve
• High attention to detail
• Ability to work independently and proactively
• Great interpersonal skills and stakeholder engagement
• Ability to prioritise multiple tasks with competing deadlines

Essential Requirements for this role:

• Valid working rights for Australia

As per Konica Minolta compliance procedures, the successful candidate will be required to undertake background checks.

What can KM offer you?
You will enjoy a collaborative team culture where you will be supported and empowered to contribute your ideas and identify opportunities to develop your team and yourself. We are dedicated to the values of diversity and inclusion and have a firm commitment to ethical practices and corporate responsibility.

Konica Minolta is committed to providing a working environment that is inclusive and fair to both women and men. Progressive policies such as our domestic violence policy; paid parental leave and flexible workplace policies enable our people to balance work and life responsibilities.

Equal Opportunities
We are committed to providing equal opportunities and actively encourage applicants from all backgrounds to apply for our roles, regardless of gender, age, sexual orientation, ethnicity, religion or disability.

If you are require any adjustments/assistance during the recruitment process, please reach out to [email protected]

Join our Team and thrive in an environment built on strong Collaboration, continuous Learning, and personal Growth. Every day at Konica Minolta is an opportunity to share your Ideas, influence Change and engage with colleagues from diverse backgrounds and experiences.

About Rystad Energy

Rystad Energy is a leading global independent research and energy intelligence company dedicated to helping clients navigate the future of energy. By providing high-quality data and thought leadership, our international team empowers businesses, governments and organizations to make well-informed decisions.

Our extensive portfolio of products and solutions covers all aspects of global energy fundamentals, spanning every corner of the oil and gas industry, renewables, clean technologies, supply chain and power markets. Headquartered in Oslo, Norway, with an expansive global network, our data, analysis, advisory and education services provide clients a competitive edge in the market. For more information, visit www.rystadenergy.com.

The role

The Renewable Energy team is responsible for Rystad Energy’s research and analyses of solar, wind, storage sectors. We are seeking an independent, self-driven and well-organized individual with a good analytical mindset and communication skills to support our renewable & power research in Southeast Asia.

Key Responsibilities

• Support improving Rystad Energy’s renewable & power asset-level database.
• Conduct research on asset-level information and make updates to the database.
• Support industrial news and market trends updates.
• Support creation of charts for commentaries and reports.
• Additional tasks may be assigned by Team Manager and Analysts.  

Requirements

• Undergraduate or post-graduate student pursuing degree in economics, energy systems, engineering, finance, computer science or other relevant majors.
• Excellent analytical and communication skills
• Excellent knowledge of MS Office Excel and Powerpoint. Programming skills are an advantage but not required.
• Experience related to renewable energy will be an added advantage.
• Able to commit for a minimum of 6 months (Oct 2024 - Feb 2025). If you are available to start earlier, do indicate that in your cover letter.

Please include a CV, transcript and other relevant documents when you upload your application.

As the Financial Analyst, you will play a vital role in the finance team of TMGM Group. Your responsibilities will include analysing financial data, developing management reports to suit various needs, budgets, forecasting financial performance and providing critical financial insights and support to aid decision-making processes. This role offers an excellent opportunity for a detail-oriented individual with experience in financial planning and analysis to further enhance their skills and contribute to the financial success of the organization.

Responsibility

Financial Analysis and Reporting:

• Analyse financial performance across various brands, offices, and jurisdictions, including revenue, expenses, and profitability.
• Prepare management reports and dashboards, providing insights and recommendations to improve financial outcomes.
• Identify trends, opportunities, and risks, and collaborate with stakeholders to streamline processes and enhance efficiency.

Budget and Financial Forecasting:

• Collaborate with cross-functional teams to understand business drivers and provide financial insights. Work with stakeholders to develop operating budgets.
• Monitor budget performance, analyse variances, and provide explanations for budgetary deviations.
• Utilise historical data and market trends to develop accurate financial forecasts. Monitor forecast accuracy and refine forecasting methodologies as needed.
• Support the preparation of financial models for scenario planning and strategic decision-making.

 Communication & Collaboration:

• Communicate effectively with team members and internal stakeholders to ensure smooth, timely and accurate reporting.
• Work closely with team members to ensure quality and timely carry out of team functions.

• Tertiary Degree in Finance, Accounting, Economics, or related field.
• 3+ years of experience in financial planning and analysis or related field. CPA/CA qualification preferred.
• Advanced proficiency in Microsoft Excel is essential. Experience with Power BI is advantageous.
• Excellent written and verbal communication skills. Mandarin fluency is desirable.
• Exposure to AFSL, trading platforms, financial services, or fund management is a plus.
• Proactive attitude and willingness to learn and adapt.
• Ability to work effectively both independently and collaboratively within a team.

Join a dynamic, high-achieving team at Ember Advisors, a rapidly expanding boutique consultancy at the forefront of innovation in the public sector. Ember Advisors combines consulting and advanced data analytics to drive social impact in the public sector. Our approach centres on delivering custom solutions that leverage evidence-based decision-making and advanced technologies to enable transformative outcomes. We work closely with senior leaders in Commonwealth and state government agencies, as well as non profits to help drive data-driven decisions for the public good.

As an Associate Consultant or Associate Analyst, you will be a valued team member on consulting projects for our public sector clients. Your responsibilities will include:

• Employing cutting-edge analytics techniques, such as machine learning and statistical modelling.
• Extracting and interpreting key insights, crafting compelling visualizations and outputs that resonate with our clients and stakeholders.
• Present insights and findings with clarity in client meetings, influencing decision-making and policy design.

We are looking for applicants for this graduate or early career role to start in early 2025.

Application closes at 5pm AEDT 29 March 2024.

Ember Advisors is committed to being an equal opportunity employer. We value diversity and inclusion in our workplace. We aim to create an environment where all team members are respected and encouraged to share their unique perspectives, enhancing our solutions and their impact.

• Australian citizenship required
• Qualifications in actuarial studies, data science, maths, commerce, computer science, economics and/or finance
• Previous consulting experience desirable but not essential
• Demonstrated interest in solving complex problems in the public sector
• A commitment to ethics and integrity
• Experience working with or willingness to learn data analysis techniques (Excel, Python, R, modelling, visualisation)
• Strong critical thinking and analytical skills, and a creative mindset
• Adaptability in a fast-paced work environment
• Personal accountability – a strong work ethic, attention to detail, and ability to take initiative and drive projects forward
• Team player – having an ability to work well with others, positive attitude, and growth mindset

• Competitive Remuneration: >$90,000 (including salary, bonus and superannuation), plus 4 weeks annual leave
• Flexible Work: Central CBD office locations in Sydney, Melbourne or Canberra with hybrid work model
• Professional Growth: Strong learning and development opportunities based on formal training, learning-on-the-job, and mentoring by excellent project managers, experienced senior consultants and technical leaders
• Diverse Engagements: Work on a wide range of projects across Commonwealth and state government clients and non profit organisations
• Team Dynamics: Young, high performing team, flat team structure with regular exposure to senior leaders and social events
• Career Progression: Rapid progression based on capability and performance (not tenure)

Our mission and where you fit in

At Employment Hero, we’re an ambitious bunch of people on a mission to make employment easier and more valuable for everyone. 

Since our inception in 2014, we've had some pretty impressive growth (100% YoY), now serving 300,000 businesses globally, with 2 million+ users on the platform, reaching unicorn status in 2022 - and we have no plans to slow down. 

There’s never been a more exciting time to join one of the fastest-growing SaaS unicorns, so let’s see if we could be a match!

Employment Hero celebrates diverse perspectives and experiences, we invite people of all backgrounds and identities to apply for this position.

What might your days look like 

We're a team of global innovators, who cherish diverse perspectives that fuel our mission; to simplify the world of work for SMBs worldwide. 

As our Billing Analyst in our Global Finance Team, working closely with the Head of Financial Operations, you will be the billing expert powering our global finance operations that serves Employment Hero’s millions of customers worldwide.

The ideal candidate is a high potential finance professional with a strong billing foundation, boasting 2+ years of experience in financial billing and reporting, ideally within a SaaS environment. You hold a Bachelor's degree (or equivalent professional experience) in Finance, Accounting, Business, or a related field and are proficient in platforms such as Zuora/NetSuite/Recurly and Microsoft Excel or Google Sheets, or any other similar tools.

As our Billing Analyst, you’ll be:

• End to end customer billing processes, including review and approval of usage reports and processing the monthly bill runs
• Managing adjustments to billing accounts and ad hoc billing requests
• Responding to and resolving customer billing issues
• Monthly billing reporting and analysis
• Billing system administration including customer accounts, product catalogue, subscriptions and workflows
• Investigating errors and revenue leakage reporting
• Ad hoc reporting
• Recommending process improvements

What will you bring 

• Bachelor's degree in Finance, Accounting, Business, or related field, or equivalent professional experience.
• 2+ years of experience in a billing role with significant exposure to SaaS billing systems
• Able to systematically work through billing scenarios
• Commercial mindset with the ability to work in a high-paced, dynamically changing environment where ruthless prioritisation is a necessity.
• This role is uniquely tailored for those who are intellectually curious, enjoy diving deep into complex problems, and thrive in both autonomous and team environments.
• Intermediate to advanced Excel skills
• Zuora experience preferable

Experience is important, but for us the biggest measure of success is people who can live and breathe our values. Show us what you can bring to the table, and we’ll empower you to let your talents shine.

Life at Employment Hero 

Remote-first principles

At Employment Hero, we're not just working remotely; we're integrating flexibility and global reach into the heart of our daily operations. 

We also recognise the value of face-to-face connection, and organise local and global gatherings throughout the year to celebrate our wins and make meaningful connections with our colleagues.

Global Gathering | GG23 Da Nang

Work your way

Every hero has unique powers. Bound by a common purpose and trust, we encourage each other to work in ways that allow us to bring our best selves to work.

Life at Employment Hero | Your best career move, ever]

We’ve got your back

Whether you’re a seasoned remote-first pro, or a first-timer, you’re in good company. With 900+ heroes globally, team support and collaboration is at your fingertips.

But don’t just take it from us, here’s a quote from one of our AU heroes: 

“Working for a company that has purpose and meaning is felt throughout the entire business. No one turns up to work just to get paid - we turn up to work because we care and take pride in what we do, but we also know how to create balance and flexibility in the important things in our life, such as family, friends and leading a lifestyle consistent with our values.”

Plus you’ll get to enjoy a number of great perks, including: 

• Remote-first and flexible working arrangements
• A generous budget to spend on setting up your home office (if you need a desk, chair, or screen? We’ve got you covered!)
• We set you up for success with the latest and greatest hardware, tools and tech
• Learning and development (including an external study policy, live monthly professional development classrooms, and premium online learning content!)
• Reward and recognition programs - because great work should be recognised and rewarded
• Including Lightning Award for delivering quality work at speed and Values Champion Awards
• Swag app cashback offers and discounts on hundreds of your favourite brands and products
• Self, health, wealth and happiness programs
• Social events and team celebrations
• Employee Share Option Program: be an owner of Employment Hero

• Annual Global Gathering to get to know your global colleagues - so far we’ve been to Thailand, Vietnam and are excited to meet in Bali in September 2024

We also recognise that the same recruitment process doesn’t fit all, so should you require any accommodations or adjustments, simply let us know.

Are we a match? 

Shortlisted candidates will be notified via email to kickstart the interview process!

• 30 minutes with Talent Acqusition Specialist
• 60 minutes with Hiring Manager, Frank Killalea (Head of Financial Operations)
• 30 minutes with Hiring Team, Frank and Rob Paterson (CFO)

Not exactly the right fit for you?

• If you’re excited about Employment Hero, but this role is not the one for you, we encourage you to explore our careers page, packed with many more great opportunities. 
• Know someone who would be a great fit? Feel free to share the role with your network!

Note to recruiters: Employment Hero has a dedicated in-house recruitment team who are focused on finding the very best talent for our organisation and we kindly request that recruiters do not contact us regarding assisting with our job vacancies. While we appreciate your interest and expertise, we have everything we need in-house to attract and hire the right candidates for our team. Thank you.

#LI-YC1

#anz

BizAnalytics is a trusted brand, and a trusted team.  We’re part of the wider Innovation and Growth team, and are jointly responsible for growth, and um.. innovation!  Primarily, we’re about improving customer journeys at all stages of the insurance lifecycle, bringing a customer and product lens to BizCover’s decision making, to grow at scale in our Australian, and overseas, businesses.

We span the whole value chain, and a complete set of data skills, and drive value through insights, driving change, enabling better management decisions, and automating decisions with AI (and Machine Learning) live into our business.

As an Insights Analyst you will be analysing and interpreting complex data to identify, measure and achieve positive value across BizCover's value chain.  This will involve touching all the core functions, whether its partnering with marketing to optimize campaigns and target audiences, with product teams to find new markets and understand our insurers’ potential, or with the broker teams to find interesting ways to engage insurance experts, and more!

• Driving BizCover with data.
• Collaborating across our business with everyone from Marketing, Finance, Operations, Product, Digital, Tech, pretty much the whole company
• Investigating and finding ways to drive growth and innovation.
• Telling visual stories with data, that really explain the problem and opportunity, shaping narratives and presenting data visualisations, bringing senior leadership on the analytical journey.
• Interpreting data using analytical and statistical techniques and deriving impactful insights based on trends and patterns.
• Working through the whole analytics lifecycle; researching insights, testing hypotheses, proving the value, and partnering with delivery and operations teams to integrate that value into how we do business.
• Working with a dream data stack – Snowflake, DBT, PowerBI.

• 2+ years’ experience doing analytics in two or more of the following subject areas: Financial services industry, marketing, operations, finance, distribution, logistics - working on commercial value outcomes.
• Strong analytical and problem-solving skills with the ability to organise and analyse significant amounts of data accurately.
• A strong documentation ethic and concise business writing skills.
• Confidence presenting results to senior management.
• Fluency in communicating data insights (Methods, Results & Actions) through visual tools and presentations.
• Thrive in a collaborative environment and enjoy working as part of a team.
• SQL coding experience
• Experience with some kind of data visualisation tool such as Power BI, Tableau, Qlik, or are a whizz with Excel

Bonus points if you have:

• Experience in A/B experiment design and measurement
• Tertiary qualification in a relevant numerically heavy subject (maths, finance, stats, psychology, etc.)
• Experience mapping, and designing metrics, to measure and improve business processes.

• Hybrid working model with flexibility to work from home 3 days a week and 2 days a week in the CBD office.
• Exciting and rewarding team culture
• Quarterly recognition awards
• Business Casual dress code
• Birthday vouchers
• Rewarding Employee Incentive Program
• Growing company with progression opportunities

What Kind of Person Works Well in our Company  
Diversity of employees makes for a creative and fun workplace.  BizCover is a melting pot of cultures and personalities, but to constantly strive to be the best we can, we look for people who are –
Customer Fanatics - noun:  a person who delivers a first class customer experience every time
Drumbeaters - noun:  a person who enthusiastically celebrates and supports their team mates and the business
Finishers - noun:   a person you can trust to get it done
Advancer - noun:  a person who always wants do better

Koala’s mission is: Better furniture experiences, designed with the World in mind. Combining customer-centric products, a world-class technology and fulfillment platform, incredible customer service and social good; we are changing the way people buy and enjoy furniture to create happier, healthier habitats.

Why we have this role @ Koala

We are looking for a Financial Accountant who will be responsible for all financial inventory controls and processes at Koala. From reviewing the item receipts and billing, through to cost of sales recognition and stock on hand verification, this role is a critical link between Supply Chain and Finance to ensure that our financial systems can report accurate and timely data to the business for decision making.

Koala is looking for someone who is a challenger, to look at our existing processes globally and introduce best practice systems, automation and efficiencies.

What key responsibilities does this role have @ Koala?

• Oversee inventory financial management in accordance with company guidelines
• Develop and implement improvements to existing operational procedures in order to maximise efficiency and accuracy of inventory on hand and cost of goods sold
• Ownership of cost of goods recognition in line with company accounting policy
• Perform critical inventory tasks to ensure the correct amount and value of items are recorded in stock accurately in the general ledger
• Maintain updated and accurate records of inventory, including transfers and cycle counts
• Review documentation and monitor product codes to search for discrepancies; troubleshoot quantity discrepancies between stock and records
• Track rates of accuracy, purchase and return as well as defective items to inform supply chain and quality control
• Generate financial inventory reports including product profitability; review reports monthly with relevant stakeholders 
• Prepare intercompany invoicing for Global Koala Group 
• Nurture positive relationships with suppliers and provide a highly accountable level of customer service to all stakeholders 
• Month end reporting
• Reconciliation of balance sheet accounts regularly
• Provide insights to the wider finance team and business

Ideal background…

• Previous cost accounting or inventory experience in a manufacturing or retail industry
• Ability to effectively communicate with non-finance staff, including supply chain, logistics and warehouse
• Excellent interpersonal and communication skills, both written and verbal
• Strong attention to detail
• Self-motivated and forward thinking
• Ability to work in a fast-paced environment with multiple stakeholders
• Excellent working knowledge of computer software including Excel/GSheet and other production / costing software and ERP systems (Netsuite experience a bonus)
• Relevant Accounting/Business or Finance degree
• Currently studying for or completed CPA or CA is desirable

Treehouse Perks and Privileges…

Koala is only great when its employees are happy — and we’re one happy bunch! 

• WFB/Hybrid working - We’re mixing it up with a couple of days back in the Alexandria Treehouse (office) and work from bed/home (WFB); we want you to do your best work the way that works for you, including from anywhere on the globe (T&Cs apply)!
• Take a break - Generous time off - volunteer, parental, Koala life leave and more to help keep your work-life balance, balanced. 
• Tuesday lunches, Monthly barbies, socials and stocked kitchen - With an emphasis on healthy, local and organic produce.
• Pet-friendly - The Koala Treehouse is as pet-friendly as they get!
• Surprise & delight - The two-word combo at the core of everything we do. All Koalas can expect to enjoy free Koala products with ‘mates rates’ for your friends and fam. 
• Support & wellbeing - Our employee experience respects and embraces all families, formed, found and evolving. You’ll have access to our Employee Assistance Program, which includes unlimited sessions for financial, work, relationship, family or wellbeing support.
• Accelerate your career - via our Learning Management platform Juno, as well as individual and team growth budgets and dedicated days. 
• Short and long-term incentive plans ensure you benefit as Koala succeeds!  
• Community & connection - We believe that simply doing ‘no harm’ isn’t good enough  So, how are we doing our part? BCorp Certified, WWF Partnership, volunteer days, a member of SoftLanding,  1% and so much more.
• All in all, the Koala Kommunity is a great place to hang out and belong to!

Koalities we look for…

At Koala, we do things a little differently and we don’t shy away from the fact that we expect a lot from our employees! We are ambitious. We are curious. We are selfless. We want you to challenge expectations, always look to make a difference and give us something different from the norm. We want people that bring great energy, that have a long-game focus and are always trying to find new angles and approaches to the way we work. We're a team full of entrepreneurial spirit and have a relentless focus on 'what's next' but while always reviewing 'what's been done' and learning, growing and adapting. We're confident, but NEVER arrogant and we adapt to change like Steve Smith under a short ball.  Honesty and empathy drive everything we do, as well as a total focus on exceeding our customers’ expectations. So if you feel like this could be you... well what the bloody hell are you waiting for? Drop us a line, and let's see what you've got! ;)

There’s no such thing as a ‘perfect’ candidate, Koala is a place where everyone has opportunity. So however you identify and whatever background you bring with you, please apply if this is a role that would make you excited to come into work every day. We’re an equal opportunity employer, and recognize that a diverse workforce is crucial to our success as a business.
To read more, check out our careers, LinkedIn, or the great work we do with Work180.

Retinue Accounting was founded on the belief that small business accounting support should be customer service focused, proactive and forward-looking, and upfront about fees and charges. Our fixed fee subscription model ensures our clients have peace of mind that we’ll give them the right advice, at the right time, at the right price with no hidden additional costs. 
We're more than a business – we're a team driven by our values and actions. Adaptability, commitment, and humility fuel our client-centered approach. We honour our promises, promote transparency, and move swiftly with purpose. We embrace new challenges, and proactively raise issues with a solutions mindset, knowing it takes a team effort to build a successful business.

Due to our exponential growth and quickly expanding client base, we're looking for Senior Financial Accountants to join our team. If you come from public practice but are looking for a more rewarding, client-facing role with a business that prioritises growth, purpose and a values focused culture, then this is the role for you!

Key Responsibilities

• Mentoring mid-level and junior staff through reviewing work, providing clear, concise and supportive feedback within a culture-focused environment
• Preparation and review of monthly management reports, budgets and cash flow forecasts for clients’ businesses
• Explaining the key insights from financial information and management reporting to small business owners, in a clear and simple manner
• Utilising Xero to build dashboards that deliver accurate and timely financial insights 
• Prioritising and handling multiple tasks and jobs effectively, while still maintaining high-quality work
• Being the focal point for all queries and advice from your clients, ensuring they get the support they need from our services
• Developing and maintaining positive relationships with your clients, working with them to achieve their business goals.
• Remaining current on industry trends, changes in regulations and best practices, and effectively communicating this information to clients in a clear and simple manner

Requirements

• Degree qualified with minimum 2-4 years’ experience in public practice
• CPA or CA qualified
• Experience working with small business clients
• Proficiency in Xero and Xero Practice Manager
• Exceptional written and verbal communication skills
• Proven ability to manage a portfolio of clients and review the work of junior staff

Benefits

• $100,000-$120,000 + super (depending on experience) + company mobile + km allowance
• Financial support with any formal studies and industry licenses and registrations
• Yearly overseas holiday for our top performers across the business
• Spacious office space in North Sydney with great amenities (coffee machine, pool table, table tennis), close to public transport, cafes, gyms and retail 
• Regular social gatherings, conferences and ongoing engagement activities to support professional development and team building
• Employee and client referral programs, help us grow our business and be rewarded!
• Exceptional professional growth. We are growing quickly and are continually creating new opportunities across the business. This includes management and leadership opportunities, new roles to fit the needs of the business, lateral opportunities etc.

Our Commitment

At Retinue, we believe that diversity, equity, and inclusion are crucial to our success. We recognize that diversity goes beyond race and ethnicity, and includes differences in gender, orientation, age, religion, ability, and more. We strive to create a workplace where everyone feels comfortable being themselves and can fully contribute their talents and skills. We are dedicated to building a workplace that values and respects individuals from all backgrounds and experiences. We welcome and encourage all qualified applicants to apply, regardless of race, ethnicity, gender, sexual orientation, age, religion, ability, or other differences.

Apply now to join our team and contribute to the success of Australian small business!