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As someone aspiring to start a food or cafe franchise in Jaipur, my primary goal is to maximize profit. I'm looking for an investment advisor who can help me make informed decisions. Key Requirements: - **Location Selection**: I'm particularly interested in high foot traffic areas and those close to colleges or universities. Your advice in this area will be crucial. - **Demographic Understanding**: My target market includes students and working professionals. I'll need you to guide me in ensuring the franchise is appealing and accessible to this audience. Ideal Skills and Experience: - **Investment Advisory**: Previous experience in advising on successful food or cafe franchises would be a major plus. - **Market Anal...

I'm looking for a seasoned researcher who can provide me with a comprehensive analysis of the best food franchises in Jaipur, India that fit within a budget of 15-20 lakhs. Key Deliverables: - Research and analysis of the most suitable Fast Food and Coffee Shop franchises available within the Jaipur area. - Specific focus on the OneBite Tealogy brand. - Detailed pros and cons of each recommendation. Ideal Skills: - Strong research and analysis background, preferably within the food industry. - Previous experience in the franchise sector would be a significant advantage. - Knowledge of the Jaipur market would also be a plus. Key Requirements: - A detailed, well-structured report on the researched franchises with a focus on the brand...

I'm seeking a skilled professional to help me create the financial section of my business plan. Key Requirements: - The primary aim is to attract investors - familiarity with investor expectations in the tech industry is crucial. - The business is currently at the growth/expansion stage, so the financials need to reflect this. Ideal Expertise: - Proven track record in constructing financial sections for business plans, particularly in the tech sector. - Strong financial analysis skills and understanding of business growth trajectories. - Experience with investor communication and financial projections in a growth context. Please provide examples of prior work in a similar context. Your understanding of the tech...

I'm looking to create a comprehensive web-based accounting software with essential features that will allow me to manage my finances, track inventory, generate GST reports, and handle billing. This software should also support up to 5 users. Key Features Needed: - Financial Management: The software should offer robust financial management functionalities to help me track and manage my finances effectively. - Inventory Management: A sophisticated inventory management system is required which involves product categorization, stock monitoring, and purchase order tracking. - GST Reporting: The software should have the capability to generate accurate GST reports in compliance with the relevant regulations. - Billing Features: ...

...expert to design an effective Business plan offering memorandum for my real estate business. The document will be targeted towards investors and aim to provide a clear understanding of our business model and financial health. Key Requirements - Business plan -Vacation rental industry not a must - Proven experience in drafting offering memorandums and business plans, preferably within the real estate sector. - Strong understanding of financial data presentation, particularly income statements, cash flow statements, and balance sheets. - Ability to design a document that is engaging and convincing to potential investors. The perfect candidate will demonstrate impeccable attention to detail, a solid underst...

I'm in need of expertise in Appfolio to assist in reconciling the cash accounts of my Wells Fargo and Crew Banks. Over the last 22 months, six of my bank accounts have not been properly checked or balanced out. Skills and Experience: - Strong familiarity with cash reconciliation processes - Proficiency in using Appfolio's accounting software - Experience with Wells Fargo's banking systems Job Responsibilities: - Reconciling six bank accounts from June 2022 to the present - Detecting and resolving discrepancies in the accounts - Reporting on the reconciliation status and any potential issues. This task requires precision and keen attention to detail. Knowledge and experience in financial auditing will be considered an edge.

As a company in the technology sector, we are looking to expand our operations into the US and Mexico markets. Our primary goal for this project is to attract investors who can support our international growth. Key Objectives: - Develop detailed financial projections: We need a professional who can create a comprehensive and realistic financial model that incorporates various elements such as revenue streams, costs, and growth potential. - Design Go-to-Market Strategy: This will involve formulating a detailed plan on how we can enter and penetrate the US and Mexican markets, highlighting key milestones and tactics. Requirements: - Expertise in Financial Modeling: Demonstrated experience in developing financia...

...I'm in need of expert advice to navigate the nuances of personal tax. My primary focus is understanding how to transition from Obamacare to Medicare, and when to proceed with Social Security and IRA withdrawals. I'm also particularly interested in comprehending the tax implications as an Amazon Vine member. Ideal candidates for this task will be: - Highly experienced in personal tax planning, with a solid background in providing tax advisory services. - Familiar with tax laws related to Social Security, Medicare, IRA withdrawals. - Knowledgeable with the transition from Obamacare to Medicare - Well-versed in the tax implications and options for Amazon Vine participants - Possibilities in converting funds from I...

...need of a professional to draft a secured personal loan agreement. This agreement will integrate specific components, which are listed below to ensure effectiveness: 1. Payment Details: The loan agreement should have clear payment details. Information related to the payment schedule, amount, and method must be explicitly defined. 2. Interest Rates and Penalties: The agreement should include the interest rates applicable to the loan, any penalties for late payments, and the conditions under which these penalties apply. 3. Security. The borrower will use his property as a security. 4. I will offer an early repayment after 3 years. Conditions to be specified in the contract. 3. Loan Default Conditions: Clear conditions about the...

...seeking an experienced accountant to assist in preparing and submitting our company's CT600 form. Ideal Skills/Experience: - Proven track record in successfully preparing and submitting CT600 forms - Proficient in UK tax regulations and ensuring compliance - Strong attention to detail to avoid errors The successful candidate will be responsible for: - Reviewing our financial records for the fiscal year ending on March 31st - Preparing and submitting our CT600 form accurately and in a timely manner - Ensuring that all tax obligations are met and that we comply with all relevant legislation It is imperative that you have a comprehensive understanding of the UK tax system and that you have successfully managed similar tasks in the past. ...

I'm seeking a professional experienced in algo trading in the stock market to manage my trading position. Knowledge and expertise in the following areas would be beneficial: - Day Trading: Your main focus should be on day trading strategies. Your ability to stay ahead of real-time news and trends is essential in securing high yield returns. - Moderate Risk: While I'm open to a moderate level of risk to achieve my day trading investment goals, it's crucial to maintain a strong stance on risk mitigation strategies. Professional favorites in financial markets, trading algorithms, and risk management under medium-risk settings would be an excellent fit for this role. Please share any similar previou experience or ...

I'm seeking a USA citizen to assist me with opening both personal and business accounts. The business entities I require accounts for are an LLC and a Corporation. Key Requirements: - Account Opening: I require the selected individual to guide me through the process of opening personal and business accounts. The ideal candidate should be familiar with the necessary documentation and procedures when dealing with LLCs and Corporations. - Strong Understanding of Banking Procedures: A strong understanding of banking procedures, especially those relevant to business entities, is essential for this task. - Good Communication Skills: The ability to communicate effectively and clearly about financial matters is crucial. This project...

I seek a proficient financial management expert to provide support with several aspects of strategic financial management. The primary goal is to offer assistance in evaluating investment opportunities. Key Responsibilities: - Assistance with financial planning and forecasting - Guidance in investment analysis and decision-making - Support in risk management and mitigation Ideal Candidate: - experience in financial planning and forecasting - background in investment analysis - Proficiency in risk management strategies This role entails offering thorough insight and guidance in financial management, with a focus on evaluating possible investment opportunities. It's actually a study task, and I need help that for...

I'm seeking a skilled developer to create a custom Chartink scanner designed specifically for equities. It should provide real-time and historical data analysis capabilities. Key Requirements: - Equities Focus: The tool should be optimized for stocks and securities. - Real-time Data Analysis: I need to stay on top of market movements as they happen. - Historical Data Analysis: Analyzing past data is crucial for spotting trends and making informed decisions. - Potential Stock Trends: The tool should help me identify potential trends in the equities market. - Trading Opportunities: I want to be able to use the output to identify profitable trading opportunities. It's important that the tool is user-friendly, efficient, and reliable...

I'm seeking a skilled developer to code a trading strategy in Pinescript. Your expertise should primarily lie in Pinescript programming, and ideally, experience in financial markets and trading. Key Requirements: - Deep understanding of both Zig Zag Retracement and Bollinger Bands. - Ability to encode these indicators into Pinescript for use in Trading View. - This strategy must operate on an hourly timeframe. Ultimately, I require an efficient and accurate implementation that accurately reflects the specified trading indicators.

This project is for Emon. Do not bid otherwise. Get me ranking in the top 200 for each of the keywords. If ranked sooner, bidder to still give one month of work at least 5 days per week. At least 200 solid backlinks per day. Target Country is USA 1 - Accident Lawyers 2 - Truck Accident Lawyers 3 - Car Accident Lawyers 4 - Boat Accident Lawyers 5 - Construction Accident Lawyers 6 - Lyft Accident Lawyers 7 - Uber Accident Lawyers 8 - Pool Accident Lawyers 9 - Personal Injury Lawyers 10 - Motor Vehicle Accident Lawyers 11 - Personal Injury Lawyer Near Me 12 - Lawyer For Car Accident 13 - Personal Accident Lawyer 14 - Car Lawyer Accident 15 - Attorney Personal Injury Near Me 16 - Accident Lawyers Car 17 - Personal Injury Lawyer Attorney 18 - Car Accident Attorney Lawyer 19 - Accident...

I am looking for a NetSuite consultant proficient in the field of Finance and Accounting. As my business has already implemented NetSuite, I need a specialist who could help me: - Resolve existing implementation issues - Offer general advice for optimization The ideal freelancer for this job should have an in-depth understanding of the NetSuite platform, specifically in financial modules. Expertise in troubleshooting and providing practical solutions are highly essential. Past experience with complex financial reporting would be a significant advantage. I'm eager to collaborate with someone who can help make the most out of our NetSuite system.

I am look...my remittance mobile app. The app is designed to work on both iOS and Android devices. The project involves a thorough and detailed analysis of its functionality on these platforms. We have currently launched our version 1 of the app so now we would like feedback of everything to make version 2 more professional. Requirements: - Proficiency in testing mobile applications - Familiarity with both iOS and Android platforms - Experience with remittance or financial apps Tasks: - Test the app's functionality and usability - Report any crashes, bugs or weaknesses found - Suggest possible improvements or updates Please share your previous work experiences specifically in mobile app testing. Knowledge and understanding of remittance and financ...

I'm looking for a talented and experienced analyst to help me evaluate a public company in the energy sector. The insights gathered will be essential for strategic decision making. Your primary task will be to conduct a comprehensive analysis of the company's financial performance, market position, sustainability practices, enterprises value, and strategy. Your analysis should provide thorough insights into these areas, helping us understand the company's strengths, weaknesses, opportunities, and threats. Key requirements: - Evaluating Financial Performance: I need a detailed analysis of the company's revenue, profitability, cash flow, and debt levels. Your insights here will be crucial in understanding the compa...

...company focused on providing disability support services, I'm in need of a seasoned business plan writer who can help me craft a solid foundation for my business. Key Concerns: - Market Analysis and Positioning: I'm looking for someone who can delve deep into the market, identify our target audience, and pinpoint our unique selling points. - Financial Planning and Projections: I need an expert who can create a detailed financial plan that reflects our current financial situation, and provides projections for growth. - Operational Structure and Processes: The ideal candidate will be able to help me create a sustainable operational structure that ensures smooth running of the business. Target Market: I'm looking ...

...Processing for User Face Image with Clothing Overlay I am looking for a freelancer who can utilize AI technology and image processing to create a single image that combines a user's face image with clothing overlay. The specific requirements for this project are as follows: AI Technology: - The freelancer should have expertise in image processing techniques to achieve the desired result. API Preferences: - There are no specific API preferences, and the freelancer can use their discretion in selecting the most suitable API for the task. Final Output: - The final output should be a single image that contains the user's face image with clothing overlay. - The clothing overlay should include a t-shirt from a second...

As someone req...craigslist postings, I'm specifically looking for an expert who's in tune with financial service postings, particularly under the category of credit repair. The emphasis of this project is credit counseling. Your expertise should ideally cut across the following: - Deep experience in creating engaging and effective craigslist postings - Background in financial service postings, specifically credit repair - Solid understanding of credit counseling language and how to appeal to targeted clients - Superior communication skills, being able to capture complex concepts in easy-to-understand postings. Your application will stand out if you are able to demonstrate a history of success in these areas. I l...

I'm looking for a proficient Excel professional to develop a multi-country income tax calculator. This tool will primarily serve individual taxpayers, and potentially other user groups. Key Requirements: The calculator should support income tax calculations for multiple countries. This requires a deep understanding of tax laws and calculations in each country. - The tool should be user-friendly and intuitive, catering to users with different levels of tax knowledge. - It should be well-structured, with separate sections for each country to avoid any confusion for the end-users. Ideal Skills and Experience: - Advanced Excel proficiency, with experience in creating complex calculators or financial models in Excel. - In-depth knowl...

I'm looking to establish a new business in the Food & Beverage industry. I'm still in the ideation phase, so I need help with the following: - Conducting Market Research: Understanding the current landscape, identifying trends and potential gaps in the market. - Crafting a Business Plan: I need a comprehensive business plan that includes a clear vision, mission, and a strategy for sustainable growth. - Financial Projections: Creating realistic financial projections that will help me understand the financial viability of the business. Ideal freelancers for this project should have experience in the food and beverage industry, have previous experience starting a business, and be skilled in market research a...

Hi, we need to translate the attached file from German to English, destination: Camerun. So, I would say the target language is English UK. No specific deadline.

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I'm seeking a creative designer to craft a vibrant and team-spirit infused softball tee shirt design for my sports team. TOP LINE SHOULD SAY "New Albany" BOTTOM LINE SHOULD SAY ""Softball Classic" 2024 should be included I think I want an optic yellow softball somewhere in the middle design to stand out. Possible options: (I have attached inspo files) softball diamond crossed bats pic of girl swinging COLORS: (THIS IS VERY IMPORTANT): PLEASE USE THESE COLORS!!!!!! Optic Neon yellow for the softball MAROON 505C HEX 702E3E And/OR WHITE And/ OR BLACK NO MORE THAN 2-3 COLORS!! TEE OPTIONS TO USE ARE ATTACHED. PLEASE SHOW YOUR DESIGNS ON THE TEES ATTACHED. The design should be: - Themed around s...

We are looking for a skilled Tron developer to join our team and help develop a smart contract for a wallet application. The ideal candidate should have experience with Tron blockchain development and be familiar with BIP 39 or BIP 44 for address generation. Responsibilities: 1) Develop a smart contract on the Tron blockchain for a wallet application. 2) Implement functionality for address generation using BIP 39 or BIP 44. 3) Ensure that fees for all wallet transactions, including sending TRX or any ERC10 or ERC20 tokens, are deducted from a specified multiple accounts assigned in the smart contract, and not from user. 4) Also user need to pay the fees to the contract as an escrow, i.e. user will not pay the transaction fee...

I want to Rank Keywords at the 1st Position of the Google Search and payment will be done after ranking the keywords at 1st position of the google search only otherwise no payment will be made. Weekly and monthly backlinks creation and work done report is mandatory. Keyword : Target URL 1) bharatiya nyaya sanhita 2023 pdf: 2) bharatiya nyaya sanhita pdf: 3) section 69 bns: 4) bns section 69: 5) bns 352:

I require a comprehensive business plan, our primary goal being defining our business strategies. We also aim to develop an impressive company portfolio highlighting key elements. This project will demand strategic thinking, proficient business writing skills, and extensive knowledge in creating a compelling company portfolio. Key responsibilities would include: - Devising strategic business plans - Emphasizing our relationships with major brands (Brand A, Brand B, Brand C) - Detailing our revenue from the previous year and projections for the next Ideal candidate would come with solid experience in creating business plans and compiling outstanding company portfolios. Having industry contacts would be a plus. Expert-level understanding of the market d...

I'm looking for a virtual assistant to help me manage interactions on my Facebook and Instagram profiles. Your main task would be to reply to 1000 comments on these platforms, a one-off job. My preference is for a mix of personalized and generic replies, as appropriate. I will have the rest written already and must be done NOW! Urgent work Ideal skills and experience include: - Proven experience in social media management - Excellent written communication skills - Ability to strike the right balance between personalized and generic responses - Familiarity with Facebook and Instagram platforms Your role will be crucial in maintaining and boosting the engagement on my profiles. It's a one-time job to start with, but ...

Preparing financial statements for the year 2023 typically involves gathering data from various sources such as income statements, balance sheets, and cash flow statements. This data is then organized, analyzed, and compiled into the appropriate financial statement formats following accounting principles and standards. Additionally, any necessary adjustments or reconciliations are made to ensure accuracy and compliance with regulatory requirements.

I'm searching for a senior-level accountant to manage a range of accounting tasks for my business. Key responsibilities include: - Expertise in bookkeeping, tax preparation and financial statement analysis - Handling all the accounting aspects with precision and accuracy - Providing regular financial updates and reports - Ensuring all the accounting practices are in line with the latest regulations Ideal candidates should have: - Proven track record in senior accounting roles - Extensive experience in bookkeeping, tax preparation, and financial statement analysis - Ability to communicate effectively through email - Strong organizational and analytical skills - Up-to-date knowledge of accounting laws and regulations - Professio...

Need 2 hours tutoring. I have a wix website and I want to understand how to add and remove blogs on the wix website. please let me know the price for 2 hours tutoring.

As part of our company's pre-employment process, I'm seeking a skilled professional to conduct a thorough background check on potential candidates in Málaga, Spain. Key Components of Background Check: - Criminal Records: Verify if the candidate has any past criminal record that might be relevant to their role or our organization. - Credit History: Analyze the candidate's financial behavior and assess if it aligns with our company's standards. - Employment Verification: Validate the candidate's employment history to confirm the accuracy of their provided information. Key Aspects for Investigation: - Criminal Records: We need to ensure that the candidate doesn't have any criminal background that could po...

I'm seeking a professional auditor to conduct a comprehensive annual financial audit for my company in Vancouver, Canada. The primary goal of this audit is to validate financial statements, with a keen focus on the balance sheet, income statement, equity, and cash flow statement. Ideal Skills/Experience: - Proven experience in financial auditing, particularly annual audits - Excellent knowledge of financial regulatory compliance - Skilled at identifying financial irregularities - Proficient in reviewing and validating balance sheet, income statement, and cash flow statement. This engagement will require a meticulous individual who can handle the complexities of a comprehensive financial...

...am in need of a comprehensive business plan tailored to secure funding for my wholesale business venture. The project specifically requires a focus on the wholesale of scrap metal, minerals and ores on an international scale. Key Project Components: - A detailed market analysis to showcase the viability and potential for growth within the international wholesale market of scrap metal, minerals and ores. - Comprehensive financial projections outlining the expected costs, revenue streams, and potential return on investment. - A well-crafted and persuasive narrative that clearly communicates the unique value proposition of the business. - A solid understanding of the challenges and opportunities within the wholesale industry and a...

...experienced professional to help me recover a fixed lump sum payment due as compensation following the termination of a long-standing (10 years) sales agency relationship. This payment which is owed by the sales agent, hasn't been paid, representing a substantial debt. Key Factors: - The lump sum payment is calculated based on the revenue generated during the agency. - Expertise in handling similar financial disputes is preferred. - Knowledge in sales agency contracts and labor rights is advantageous. Ideal candidates should have experience dealing with unpaid commissions, overdue expenses, and outstanding loans. Additionally, a strong understanding of how compensation for sales agency termination is calculated would be highly b...

...am in need of a comprehensive business plan for my business which has been trading for 1 year with first year revenue achieved of £3.4M with EBITDA of £105,000 focusing on the wholesale of scrap metals, minerals, and ores. My target market includes both local and international businesses, and the main competition comes from other international wholesalers. Our core metals are Titanium alloys, Nickel/cobalt containing superalloys used in the aerospace, oil and gas, military applications, we purchase revert scrap from generators of such scraps and sell to processors and remelters across the globe. Here's what I expect from this project: - An insightful and detailed market analysis to understand the market dynamics and potential business opportunities...

I am seeking a proficient and reliable safety advisor for a substantial lineup of Music Concerts, Sporting Events, BLVDs, malls etc. Ideally, you will have a strong level of experience and skills in managing safety issues at large scale events with an expected attendance of more than 5,000. Key Responsibilities: - Develop and implement robust safety measures addressing key anticipated issues including Crowd Control, Medical Emergencies, and Fire Hazards. - Review and approve all safety arrangements and plans prior, during and after the event, - Continuously monitor safety compliance during the event. - Quality control - Auditing and monitoring - Document management - Policy and procedures implementation - Other events safety related matters Skills and E...

I'm in need of a web-based multi SKU inventory software that primarily focuses on real-time inventory tracking. This software will be utilized by our warehouse staff to ensure products are correctly logged and easily retrievable. Key Features: - Real-time Inventory Tracking: The primary function of the system is to keep a close eye on the stock levels. - User-Friendly Interface: The software should be intuitive and easy to use for our warehouse staff. Integration: The system should have the capability to integrate with our accounting software. This is essential for keeping our financial records accurate and up-to-date. Ideal Skills and Experience: - Proven experience in developing inventory management software. - Familiarity w...

I'm seeking an experienced data scientist with expertise in Python and R for a project that involves time series data visualization and statistical analysis. Key Responsibilities: - Conducting data visualization to present insights in a clear and compelling manner - Performing statistical analysis to extract meaningful patterns and support decision-making I will provide you with a working file that retrieves data from our Python/R library. Your responsibility would be to process and analyze this data. We use Python/R with Jupyter notebooks. Ideal Skills: - Strong proficiency in Python - Experience with data visualization tools such as Matplotlib, pyplot and of course Pandas - Proficiency in statistical analysis methods and tools I ...

I'm seeking a skilled web developer to create a financial information website with features similar to forexfactory.com. The website will be designed with a modern and minimalist aesthetic. Key features include: - Live forums page: This will allow users to engage in financial discussions, share insights, and connect with other members of the community. - Economic calendar: We need a comprehensive economic calendar that notifies users of upcoming reports, events, and indicators that may impact the financial markets. We will need to find all the sources the main information comes from and scrape them using provided API's from the government sites that they provide usually. - SEC Insider Traders Page: This...

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I'm looking for a proficient spreadsheet expert to create a thorough forecast sheet for my new project. I will be providing all required information for our project. It’s a village that we building and we need proper professional spreadsheet done with ( cash in flow and cash out flow. . It should encompass data on sales, expenses, and profits, analyzing trends and variances, while also incorporating a break-even analysis. Key Requirements: - In-depth monthly analysis of sales, expenses, and profits. - Solid experience in applying trend analysis. - Capable of conducting variance analysis. - Skilled in implementing break-even analysis. - Previous experience in creating comprehensive business financial forecasts. The end goal of this...

I am looking for a personal mentor who can help me improve my understanding of Microsoft Dynamic365 finance and operation, specifically in the area of financial management. As a beginner in this field, I need someone who can guide me through the basics and help me gain confidence in navigating and using the software effectively. Ideal Skills and Experience: - Strong knowledge of Microsoft Dynamic365 finance and operation, with a focus on financial management - Previous experience mentoring beginners in this field - Excellent communication and interpersonal skills - Ability to provide clear explanations and step-by-step guidance Mentoring Sessions: - Twice or more a week - In-depth discussions and hands-on practice - Assistance with specifi...

I am starting a business offering Excel and typing services and require a freelancer's expertise to assist with setting up my business structure and developing a strategy to acquire clients. The ideal candidate should have: - Experience in business consultancy, particularly in setting up new businesses. - Knowledge of legal and financial business structure requirements. - Proven strategies for client acquisition and marketing, especially for freelance or B2B services. - Ability to provide personalized advice for a startup in the data processing domain. The project will involve: - Assessing the best business structure for my services (Sole Proprietorship, LLC, etc.). - Guiding through the necessary legal and financial se...

TOST is an easy-to-use platform where users can get large quantitative benefits with 10 minutes of work a day. The system ensures the protection of financial data and personal information while enabling risk-free deposits and withdrawals. A deposit of only 30 USDT is required to join, and the compound interest calculation model allows users to increase their account balance with commissions earned by working daily. The purpose of team building is to increase sales and help each other if a problem arises in a WhatsApp group.

I'm seeking a proficient developer to create a tools app locker. Key elements to be implemented: - No need for Screen Time API integration. - It should focus on Shield Action Extension. Ideal Skills and Experience: - Screen Time APi experience. - Shield Action Extension experience - Knowledge in iOS App development. Bidders with a proven track record in similar projects will be prioritized. It's not mandatory, but examples of your previous works will give you an edge. Looking forward to seeing your bids! I will give bonus if free lancer can provide a simple demo Please say "Android" at top of your proposal, it will be filtered

...am currently organizing a crowdfunding campaign to prevent potential homelessness. I aim to inspire support and generosity from a worldwide audience. I am writing to seek your assistance and guidance on a project I am planning to initiate: creating a GoFundMe campaign to support my family during this incredibly difficult time. As the only person in my household who is currently able to work, I am facing immense pressure to sustain our family. My mother, who suffers from a traumatic brain injury, lupus, and a knee injury, is unable to work. Our situation has been further strained by my stepfather's departure under false pretenses, his subsequent filing for divorce, and his depletion ...