Commercial loan underwriting examplelavori

I am looking to create a compelling sales leaflet for the promotion of our commercial cleaning services. Key Requirements: - The leaflet should be designed in a way that captures the interest of business corporations, our target audience. - The design must effectively communicate the benefits and features of our cleaning services. - Creative approach to aesthetic branding and information layout is essential. - Previous experience with corporate literature or marketing materials is preferred. Ideal Skills: - Graphic Design - Marketing Strategy - Copywriting - Corporate Branding Ultimately, I want a leaflet that will help to increase the visibility and appeal of our cleaning services in the corporate world. If you have the skills and experience to help achieve this, I'...

I'm seeking a charismatic Georgian male voice-over actor to lend his humor-filled, unique voice to a commercial project. A standard Georgian accent is required to bring authenticity to the project. The ideal candidate should have: - Experience in commercial voice acting - An ability to deliver a performance with a humorous tone - A Standard Georgian accent We are looking for a VO male actor to dub entertainment videos. We need translation ( script is given in English ), VO, and sync. We have a potentially large volume order, so consider please as a long-term cooperation. Approximately 4-5 videos weekly ( 125$ per 5 episodes )-could be negotiable The average length of the video is under 15 minutes. Let me know please if you are interested additionally will ask you to ...

I'm seeking an electrical designer experienced in commercial circuit design and wiring layout. Key Requirements: - **Circuit Design**: You should be able to create efficient, safe, and robust electrical circuits tailored to a commercial building's needs. - **Wiring Layout**: Expertise in laying out wiring for maximum efficiency and safety is crucial. Specifics to Consider: - **Power Distribution**: The design will focus primarily on the power distribution aspect, ensuring it meets the demands of a commercial space. Experience in similar projects will be highly valued. Your design should be optimized for cost-effectiveness, energy-efficiency, and future scalability. Revit and familiar with NEC.

I'm currently in need of an experienced Architectural Designer to assist with a commercial architectural design project. I'm at the conceptual design stage and place strong importance on space efficiency. Key Responsibilities: - Work with the design team to conceptualize functional and space efficient design plans. - Review and suggest improvements to the initial design sketches. - Ensure the design idea aligns perfectly with space efficiency principles. Ideal Skills: - Strong experience in commercial architectural design. - Excellent knowledge of space efficiency principles in architectural design. - Mastery of architectural software. This project requires a creative thinker with a knack for maximizing space. Looking forward to your innovative designs.

...materials used for them. Key Points: - The article should cover the various types of office desks available in the market today. This includes but is not limited to pedestal desks, standing desks, executive desks, L-shaped desks, and more. - I'm also looking for a breakdown of the materials used in creating office desks. Specifically, I'd like detailed information on wood, metal, glass, and commercial grade laminate. - The article should be accessible and engaging for a general audience, so an informative tone would be preferable. - 1800 to 2000 words. - With at least three marked references from reputable office furniture sources such as Office Furniture Inc or Madison Liquidators. - 4 day completion time. - Images are not needed Ideal Skills and Experience: - Prev...

I'm in need of an expert who can manage commercial prospecting via Instagram, with the aim to: - Increase my pool of potential customers - Enhance the visibility of my book domain coaching services - Generate more sales The targeted audience is: - Aspiring authors - Individuals who have interest in reading - Librarians Please note, my book coaching services are high-value and are priced above €200. Ideal candidates should have tangible experience in Instagram marketing and niche targeting, with a proven track record of increasing product visibility and customer growth. Your creative approach and understanding of hash-tag usage, Instagram algorithms and engagement strategies will be critical to our success. Skills in copywriting and graphic design, as well as know...

...create an entertainment app for both iOS and Android platforms. The main purpose of this app is to provide entertainment event Map display to its users. Key Features: - Cross-platform development: The app should be developed for both iOS and Android. - Google Map overlay for Events: The app will use Google Maps API to show events happening around the user's location. 2 types of users free /commercial with signup and subscription payment portal Ideal Skills and Experience: - Proficiency in app development for both iOS and Android. - Experience in developing entertainment apps is a plus. - Prior knowledge of implementing Google Map overlays for events is highly desirable. I'm open to any suggestions and recommendations you may have, so feel free to share your ideas...

I need a logo and brand concept for a fresh new debt collection agency. The logo and brand need to appeal to both B2B and private clients as well as be distinctive for debtors from whom we are collecting money. Imagine you are a plumber or a CEO of a loan company and you are owed money by a customer, you may not have time to collect the debt so you hand it to us to collect on your behalf. The brand and logo need to appeal to these clients but for the folks that owe the money, we want the branding to be distinctive and let them know we are professional and compassionate but intend to reach an agreement on the money owed to our clients. A cartoon concept could work but we want to inject a bit of personality into our branding and logo and move away from the quite dry, formal, dull loo...

I'm looking for a seasoned photographer to shoot a series of commercial pictures for marketing and advertising purposes. - Approach: The approach to this project will be business and corporate. I want results that reflect the seriousness and professionalism of my brand, but also are eye-catching and engaging. - Location: The photos should be taken at a specific business location, so interested photographers need to be prepared for on-site shooting. - Experience Required: Candidates should have ample experience in corporate photography, exceptional understanding of composition and light, and proven ability to convey a business's brand through their images. I look forward to working with a professional that knows how to make a corporate brand shine in a unique and appeal...

I'm looking for a creative professional who can generate daily posts for my real estate company. Your main task will be to construct compelling property showcases that entice potential buyers. Given that I'm interested in presenting a variety of properties - residential, commercial, lands for lease, bungalows, and villas, it is important that you can effectively represent the allure and unique characteristics of each type. Each showcase must be visually enticing, featuring both interior and exterior photos of the corresponding property. Ideal candidates for this project would have previous experience in real estate or property management, a keen eye for detail, and strong graphical and editing skills.

I'm in need of a talented freelance model who can represent my fashion brand for a series of commercial photos. Key Responsibilities: - Model for a series of commercial photos, to be used on my website Requirements: - Experience in commercial modeling - Ability to convey the brand's image and style - Strong understanding of how to pose for and interact with the camera Please note that the project does not require specific attributes like height, hair color or body type. The most important aspect is the model's ability to represent the brand's style and image effectively. Ideal skills and experience: - Proven track record of commercial modeling - Strong portfolio particularly showcasing work for websites - Excellent communication and tea...

I'm looking for a 3D interior designer to help with a small, modern interior design for our upcoming project of stationary/gift/photocopy shop. The shop is under 500 square feet, and I prefer a modern style. Key Areas to Include: - Product Display Area...design for our upcoming project of stationary/gift/photocopy shop. The shop is under 500 square feet, and I prefer a modern style. Key Areas to Include: - Product Display Area - Cashier/Checkout Section - Storage Space - Space for Photocopy Machine Gift items display area Ideal Experience: - 3D Interior Design - Experience with Modern Design Aesthetics - Previous experience with designing commercial spaces, particularly shops - Understanding of space optimization and functionality - Familiarity with creating 3D models f...

I'm in need of a skilled web developer to create a comprehensive property system that caters to both residential and commercial properties. The system will require the following features: - Property Listings: Users should be able to list properties for sale or rent. The system will display these listings effectively and efficiently. - User Registration and Login: A seamless process for users to create accounts and login to access the system. - Search Functionality: A robust search feature that allows users to easily search for properties based on various criteria. Moreover, the backend of the system should include a full management system for administrators. This system should enable the admins to manage both the listings and the users. Ideal candidates for this project sho...

I am in need of an expert graphic designer who can create realistic illustrations for my project. Requirements: - Proficient in graphic design, especially illustration - Able to create realistic designs - Experience in creating illustrations for branding or commercial use is a plus Please note that the final illustrations should be of high quality and match the realistic design style. I'm looking for someone who can bring my vision to life with a touch of realism.

...for a commercial, two-story patio. It's intended to be an outdoor seating area, accommodating less than 50 people. Key requirements: - Utilize my existing architectural plan: I already have a basic layout, but I need a professional to develop detailed civil engineering plans for the patio. You should be able to translate this architectural plan into a viable, structurally sound design that meets local building codes and regulations. - Focus on general seating: The primary feature of the patio will be seating. You'll need to plan the most efficient use of the space to comfortably seat the expected number of people. Please consider factors such as accessibility, comfort, and durability. - Experience in commercial projects: It's essential that you have expe...

I am in need of a professional w...emergency electrician service. The site should embody a clean, minimalist theme, appealing to both residential and commercial customers. Details to be included: - A comprehensive services page showcasing the variety of electrical services offered. - A user-friendly contact form that allows visitors to easily reach out. - An authentic testimonials section where clients can share their experiences. Ideal skills and experience include: - Extensive knowledge of Bootstrap Studio. - Proven track record of designing websites with a clean, minimalist style. - Experience designing for service-oriented businesses is a bonus. - A keen understanding of how to cater to both residential and commercial customers. Please have comparable portfolio sample...

Search for commercial loan officers on linkedin and fetch contact First and Last name, bank name, cell number or direct work number i need working direct number only one not multiple The counties are in: Citrus Hernando Sumter Pasco Hillsborough Pinellas Lake Polk Orange

I'm in need of an experienced designer and planner who can transform a 8000 sq. ft. commercial space into a childcare facility aimed at infants, Toddler, Preschool and Out of school care. Essential skills and experience include: - Knowledge in safety and health requirements for childcare - Strong attention to detail - Experience in layout plans of childcare facilities - Understanding of development needs for infants, Toddler, Preschool and Out of school care

Todayyyyyy! I'm seeking a skilled 3D designer to create a STL file for a portable medical device. This is a personal project, not for commercial use. Key Requirements: - I need the design to be suitable for 3D printing - The device should be small and lightweight Ideal Skills: - Proficiency in CAD software - Experience in creating 3D printable designs - Understanding of medical device design (preferred) Please share your relevant portfolio. The selected freelancer will be provided more detailed information.

I need Basic architectural drawings for a commercial building. This should include: - A detailed floor plan with dimensions - A comprehensive site plan - Elevation drawings This project is in a rule area in northern Missouri and cost is definitely an issue

I'm seeking a talented professional to create a 35-45 second 3D animation commercial for my label. If you have the ability to turn the silhouette of the girl in my original label into the gold palm tree, please contact me. Basically looking for someone to take an existing label for an alcohol brand and show the evolution to the new label. I would like the girl to morph into the palm tree logo. Requirements: - Proven experience in creating high-quality 3D animations - Adept in crafting abstract designs - Portfolio showcasing ads and 3D animations Ideal Skills: - Proficiency in popular 3D animation software - Strong understanding of animation principles - Commercial and product advertising experience This project demands creativity, technical ability, and an unders...

I'm aiming for a new executive-level position in the Real Estate industry. I have ...concise, impactful, and reflects my achievements and contributions in the field - Help me stand out as a top-tier candidate for executive-level positions in Real Estate - Pass ATS checker Ideal Skills and Experience: - Proven track record in CV writing, particularly for executive-level professionals in the Real Estate industry - Excellent understanding of the Real Estate sector, specifically the commercial real estate subsector - Strong grasp of what is required in an executive-level CV, in terms of content, tone, and structure - Ability to craft a compelling narrative that showcases my achievements and capabilities - Attention to detail and commitment to delivering a high-quality, profession...

Job title: Actor/presenter Location: London Date: Wednesday 29th May or Friday 31st May Hours: 4 Rate: TBC Role: We are looking for an experienced actor with presence and charisma to deliver lines to camera for a horse racing promotional video. Requirements: Experience in front of camera, a well spoken English voice, enthusiasm. An interest in horse racing is valued but non-essential.

I require a skilled and experienced architect to create a front elevation design for a commercial building. The building will be used as a hotel, indicating a need for an inviting, yet professional aesthetic. The desired architectural style is a blend of modern and classic. This challenging fusion should be handled expertly to come up with a design that is both sleek and timeless. Key Aspects: - Create a modern-classic hybrid architectural design. - Design must be fitting for a commercial hotel. - Must have prior experience in commercial building designs. Ideal skills: - Eye for detail - Previous experience in working with modern and classic architectural styles - Command over architectural tools and softwares - Prior experience in hotel design will be appreciat...

I am seeking a specialist content writer to craft compelling, SEO-friendly content for my upcoming commercial cleaning services website. Here's what the project entails: - Developing engaging content to showcase and promote our premium cleaning services to prospective clients. - Seamlessly integrating relevant keywords to help increase our ranking on search engines and bring traffic to our website. Ideal Freelancer Has: - Proven expertise in SEO content creation. - Experience writing for or knowledge about the cleaning industry. - Ability to create content that sells services convincingly. Knowledge about commercial cleaning services would be an added advantage as the content to be created should reflect a deep understanding of the services provided.

I'm looking for a Full Stack freelancer who is proficient with "ABP Commercial" that use Angular 17 and ASP.Net Core 8 to develop in the Production Control System.

I'm seeking an architect with a flair for modern design to create a plan for my small coffee shop. - The space is 70m2, so I'm looking for a design that maximizes the use of space - My key requirement is an inviting and trendy design atmosphere. I wa...The space is 70m2, so I'm looking for a design that maximizes the use of space - My key requirement is an inviting and trendy design atmosphere. I want my coffee shop to be not only functional but a place where customers feel comfortable and relaxed. We need you to create and elaborate the plan of the coffee shop + 3D visual Ideal candidates should have: - Proven experience in designing small commercial spaces - A portfolio that demonstrates a good understanding of modern architecture - Strong communication skills to...

...strong background in data analysis, and experience with customer data is a plus. - **Linear Regression**: Proficiency with linear regression is essential for this task. - **Finance Proficiency**: Experience in financial analysis would be beneficial as the analysis relates to loan default prediction. - **Problem Solving**: Ability to understand and adapt to the specific business case provided. The goal of this analysis is to understand the relationship between customer characteristics and the likelihood of defaulting on a loan. This information will be crucial for our risk assessment and decision-making processes. I'm looking for a freelancer who can not only perform the analysis but also provide insights and recommendations based on the results. The ideal candidat...

...be featured for awards and will be available for hire for photography shoots. The use of this project will boast a significant recognition on your CV or website. Main Aims: - To amplify the overall mood of the home mainly through ambiance lighting. - The design should improve appearance and ensure functionality. Ideal freelancer should have: - Proven experience with high end residential and commercial lighting design. - Creativity in using lighting as a tool for enhancing interior aesthetics. - Profound understanding of how to balance design goals with practicality and cost. I look forward to seeing my home in a new light, literally. Apply and let's bring this vision to life....

I need help creating a custom loan agreement. This agreement must be primarily in English but suitable for use in Thailand. While the document does not need to be translated into Thai, it should be compliant with local Thai law. Key components of the agreement: - Interest rate clause - Annual repayment of loan at 10% of each year's capital and at end of year 5 repayment of capital Plus the removal of management fees on both Ardan and RL360 accounts also While drafting experience would be beneficial, a deep understanding of lending law, particularly as it applies in Thailand, is necessary for this project. I'm expecting the work to be thorough, professional and legally sound. Clear communication skills in English are a must too, as we will be discussing comp...

About FURINS DESIGNS: FURINS DESIGNS is a dynamic startup on a mission to revolutionize interior and furniture design. Our passion lies in crafting enchanting spaces that seamlessly blend creativity with functionality, setting new standards in the industry. As a startup, we're driven by innovation and a commitment to...AutoCAD and a strong understanding of Architectural principles. Responsibilities include translating client visions into architectural designs, ensuring adherence to Architectural principles, and collaborating with clients and team members. Requirements: - Proficiency in AutoCAD - Understanding of Vaastu principles - Bachelor's degree in Architecture or related field - Experience in residential/commercial projects - Strong communication skills - Ability t...

We are a business in Melbourne, Australia which provides cleaning services and we are looking for a sharp, motiavted individual to join our team and cold call potential leads to offer and get them to engage in our services. Your ability to speak a fluent English WITH MINIMAL ACCENT and work within the Melbourne, Australia timezone is a absolute must for this job. Our Services: - We provide commercial cleaning services for offices, warehouses, eduactional, medical and retail spaces. Script: - I have an approximate script but I expect the freelancer to think outside the box and be smart and sharp. Hours: - I expect the freelancer to work around 20 hours per week on cold calls during Melbourne, Australia Time business hours. About the role: - Cold calling leads and following up pot...

...cartoonish laughing jackal with a sassy twist - middle finger up. The intended use of this design is commercial, specifically for print. Key Requirements: - Cartoonish Illustration: The laughing jackal needs to be depicted in a light-hearted and humorous cartoon style. - Sassy Twist: The jackal should be seen with its middle finger up, adding a cheeky element to the character. - Commercial Use: This design is aimed for commercial purposes, such as for print, and should be suitable for such applications. Ideal Skills and Experience: - Illustration: Experience in creating cartoonish characters is essential for this project. - Commercial Design: Familiarity with creating designs suitable for commercial use, specifically for print. - Strong Communication...

...locker app focused on EMI repayment management, along with additional features such as KYC verification, admin panel, promotions, and chat functionality. The app aims to help users effectively manage their loan or EMI payments while incentivizing timely repayments through a locking mechanism that restricts access to the user's phone in case of non-payment. Key Features: User Authentication: Implement secure user authentication methods such as PIN, pattern, fingerprint, or face recognition. Loan Account Linking: Allow users to link their loan or EMI accounts to the app, providing details like loan amount, repayment schedule, and due dates. Repayment Monitoring: Monitor users' repayment status, send notifications for upcoming due dates, and track mi...

...specialist to assist in my loan origination tasks. As my workload is increasing, I expect to handle more than 20 loan origination projects on a monthly basis. Key responsibilities include: - Document Preparation: You'll be responsible for preparing various loan documents. - Data Entry: Accurate and timely data entry is crucial for this role. - Customer Communication: You'll need to communicate effectively with customers, providing updates and clarifying any questions or concerns they may have. Ideal skills and experience: - Experience: Intermediate level of experience - Detail-oriented: Accurate document preparation and data entry are essential. - Communication: Strong customer communication skills are needed. - Time Management: Able to handle a high v...

I'm in need of a concise business plan to present to a lending bank in order to secure a start-up loan. The plan should be less than 10 pages and tailored to the needs and expectations of financial institutions. Key Points: - The purpose of this business plan is particularly to secure funding. - Our primary audience is the lending bank, so the plan should be structured and articulated to meet the expectations of this type of financial institution. - The plan should be less than 10 pages, focusing on key information and financial projections that will be crucial for the bank's decision-making process. Ideal Freelancer: - Someone with previous experience in creating business plans for securing bank loans. - Strong financial background and understanding of what financial in...

...creatively unique, not template-based, website for my commercial cleaning business. Specifically, I outline the following details: • Website Pages: The website will require six specific pages that consist of the Home, About Us, Services, Contact, FAQ and Testimonials. • Design Style: The design should be creative and unique while preserving the professional image of my company. I am looking to build a memorable brand, hence the need for a distinct design. • Reference Websites: I can provide examples of websites whose design I admire, to help you understand my preferences. Ideal Skills and Experience: • Proficiency in WordPress custom design, no template use • Strong understanding of SEO and UX design • Proven experience with commercial...

I'm in need of detailed 2D drawings for a retail store, which occupies an area of more than 2000 sqft. While the specific facilities haven't been fully confirmed, a versatile architectural design approach will be appreciated. • Ideal Skills: Proficiency in AutoCAD, SketchUp or any equivalent software, relevant experience in commercial architectural design, specifically retail stores, is a must. An understanding of retail store layouts and fluency in spatial planning will be an added advantage. • Project Requirements: The project should be delivered with a comprehensive 2D floor plan, detailing the spatial distribution of the structure. Need only 2d planning

I'm in need of a skilled product photographer of fancy lights to capture high-quality images for my e-commerce business - The focus will primarily be on taking product shots in a professional studio setting - The background for the photos should be a white or solid color, enhancing the product's visual appeal. - You don't need to worry about sourcing props or usi...should be a white or solid color, enhancing the product's visual appeal. - You don't need to worry about sourcing props or using themed backgrounds - we're just looking for clean, crisp images that highlight the products themselves. This project is perfect for someone with an eye for detail and experience in product photography. Your portfolio must demonstrate your ability to create outstanding,...

Thumbnail for my monetized/commercial/personal use YouTube video

I am seeking a versatile copywriter who can leverage both ChatGPT and SURFERSEO to produce effective copy. As the area of focus and purpose of the copywriting project was not specified, I require someone who's quick to adapt and can write across various themes. We need proffesional who can write with prompts for service businesses commercial, and transactional SEO content. Ideal experience and skills: • Proven expertise in using chatgpt • Proficient with SURFERSEO use • Versatility in writing styles - professional, casual or humorous • Flexibility to write for varied subject areas • Quick in understanding and implementing briefs without explicit direction Write to me if you possess the key abilities: versatility, quick adaptability, proven experience...

I require a comprehensive set of engineering plans for a commercial project. This includes electrical, mechanical, and plumbing plans. Additionally, I need the following: - Detailed Floor Plan: showcasing the layout and features of the space - Site Plan: illustrating the structure's placement on the property - Energy Code Plan: ensuring compliance with energy regulations - 3D Interior Design: providing a visual representation of the interior space The ideal freelancer must have prior experience developing commercial engineering plans and 3D interior designs. Proficiency in relevant software for engineering and design is a must. Strong communication skills are also important as we'll need to discuss the project details and adaptations. Must live In Dallas...

Custom-built web-based application and mobile app needed Skills and experience needed: - Stro...- has materials and services and their prices ) invoice( basic info ) Payments ( basic info ) ***some workflows need to be designed for approvals of quotations and invoices and employees requests regarding the mobile app. three users ( Admin - employee - Customer ) -admin can view ongoing projects ,payments ,reports , employees -employee ( view information and make requests for vacation , loan , etc.. ) also some employees are part of the projects which need for ex to enter basic info about a customer location during quotation process such as location , pics of the site , remarks. -customer can view his invoices , pending payments , SOA , make requests ). Further details can be...

I'm in need of an expert to develop ...expert to develop an Android and web-based application for loan disbursement. The app is required to provide state-of-the-art, seamless and modern functionality to support the movement of loans from approval to disbursement. Features to be included: - User registration and secure login system. - Comprehensive loan application form. - Streamlined loan approval process. - Total dues calculation integrated in the system. The ideal freelancer should be proficient in Android and web development, with a keen eye for design, particularly a modern and sleek user interface. Experience in financial app development would be an advantage. I look forward to transforming this idea into a working application that delivers an easy and intu...

I'm looking for an experienced video editor to handle my project. While I didn't specify the type of video or its purpose, the final piece should be less than 5 minutes. Requirements: - Skilled in tight editing and a polished finish - Ability to adhere to deadlines - Quick response times and strong co...less than 5 minutes. Requirements: - Skilled in tight editing and a polished finish - Ability to adhere to deadlines - Quick response times and strong communication skills Ideal skills: - Familiarity with latest video editing software - Strong creative thinking and decision-making skills - Attention to detail and eye for high-quality output Experience working on varied video types (Personal, Commercial or Educational) and purposes (Promotional, Instructional, or Enter...

I am the owner of Brindha's Moda Tailoring, a company focused on custom tailoring. We're currently looking to refresh our brand with a playful and creative logo that conveys our commercial spirit while also hinting at our tailor-made approach. - Ideal Skills: - Graphic design - Creative thinking - Knowledge of contemporary design trends - Experience: - Prior experience in logo design, preferably for fashion or tailoring businesses, is a must. We're excited to see your colorful and unique interpretations of our brand in the form of a logo. Please include any relevant portfolio pieces or past examples of similar work in your bid.

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I'm a small business loan broker and I'm looking for a strategic partner in the small business support services industry, particularly someone with a strong network within small businesses, experience in financial services, and innovative marketing strategies. - Our partnership would be specifically in the form of a referral partnership, where I will be paying for referrals. - The ideal candidate for this position should be adept in building relationships with small businesses, possess a wide range of financial services expertise, and be able to come up with creative and effective marketing methods. - The primary goal of this partnership is to mutually benefit from our collaboration. If you feel like you have the necessary skills and experience, I would love to start...

Our thriving commercial and window cleaning business is poised for expansion, and we're seeking an innovative recruitment strategy to attract and hire proficient cleaning technicians. We aim to scale our operations, grow our team, and enhance client acquisition. To achieve our goals, we require a specialist with a proven track record in: - Developing effective recruitment campaigns tailored to the cleaning industry - Crafting appealing job descriptions and advertisements to entice top talent - Utilizing both traditional and digital channels for maximum outreach - Implementing screening and interviewing processes to ensure quality hires - Advising on best practices for onboarding and retention of cleaning staff The ideal candidate will have extensive experience in HR o...

I'm in need of a Quantity Surveyor who can provide a detailed and comprehensive estimate for the fit-out of a commercial building in Australia. The survey needs to cover all necessary aspects including labor and materials. PLANS OF PROJECT ATTACHED EXAMPLE OF BOQ LEVEL WE ARE SEAKING ATTACHED ALSO