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Portfolio Manager - Freelance AI Trainer at Mindrift
Austin, Texas, United States - Full Time
Skills Needed
Portfolio Performance Analysis, Tax Lot Accounting, Wash Sale Rules, Investment Policy Statement Literacy, Financial Advisory, Investment Management, Fee Stack Analysis, Rebalancing, Tax Loss Harvesting, Suitability Checks
Specialization
Requires a degree in Finance, Economics, or a related field with at least 2 years of experience in financial services. Strong written English (C1+) and practical knowledge of portfolio analysis and tax rules are essential.
Experience Required
Minimum 2 year(s)
Portfolio Manager - Freelance AI Trainer at Mindrift
, , Belgium - Full Time
Skills Needed
Portfolio Performance Analysis, Tax Lot Accounting, Wash Sale Rules, Investment Policy Statement Literacy, Financial Advisory, Investment Management, Fee Stack Analysis, Rebalancing, Tax Loss Harvesting, Suitability Checks
Specialization
Requires a degree in Finance, Economics, or a related field with at least 2 years of experience in financial services. Proficiency in English (C1+) and knowledge of investment management principles are essential, with certifications like CFA or CFP being a strong plus.
Experience Required
Minimum 2 year(s)
Optical Engineer - Freelance AI Trainer at Mindrift
, , Saudi Arabia - Full Time
Skills Needed
Optical Engineering, Numerical Simulation, Physics Modeling, Problem Design, Electromagnetism, Quantum Mechanics, Thermodynamics, Mechanics, Technical Writing, English Proficiency
Specialization
Requires a degree in Physics or a related field with at least 2 years of professional experience in research, application, or teaching. Must be proficient in numerical simulation methods and possess strong written English skills (C1+).
Experience Required
Minimum 2 year(s)
Optical Engineer - Freelance AI Trainer at Mindrift
Buenos Aires, , Argentina - Full Time
Skills Needed
Optical Engineering, Numerical Simulation, Physics Modeling, Problem Design, Theoretical Physics, Experimental Physics, Computational Physics, Electromagnetism, Thermodynamics, Quantum Mechanics, English Proficiency
Specialization
Requires a degree in Physics or a related field with at least 2 years of professional experience in research, application, or teaching. Must possess strong written English skills and expertise in numerical simulation and physics modeling.
Experience Required
Minimum 2 year(s)
Portfolio Manager - Freelance AI Trainer at Mindrift
, , Morocco - Full Time
Skills Needed
Portfolio Performance Analysis, Tax Lot Accounting, Wash Sale Rules, Investment Policy Statement Literacy, Financial Advisory, Investment Management, Fee Stack Analysis, Rebalancing, Tax Loss Harvesting, Suitability Checks
Specialization
Requires a degree in Finance, Economics, or a related field with at least 2 years of experience in financial services. Strong written English (C1+) and professional certifications like CFA or CFP are highly preferred.
Experience Required
Minimum 2 year(s)
Optical Engineer - Freelance AI Trainer at Mindrift
, Arizona, United States - Full Time
Skills Needed
Optical Engineering, Numerical Simulation, Physics Modeling, Problem Design, Electromagnetism, Quantum Mechanics, Thermodynamics, Mechanics, Technical Writing, English Proficiency
Specialization
Requires a degree in Physics or a related field with at least 2 years of professional experience in research, applied physics, or teaching. Must possess strong numerical simulation skills and C1+ English proficiency.
Experience Required
Minimum 2 year(s)
Portfolio Manager - Freelance AI Trainer at Mindrift
, , New Zealand - Full Time
Skills Needed
Portfolio Performance Analysis, Tax Lot Accounting, Wash Sale Rules, Investment Policy Statement Literacy, Financial Advisory, Investment Management, Fee Stack Analysis, Rebalancing, Tax Loss Harvesting, Suitability Checks
Specialization
Requires a degree in Finance or a related field and at least 2 years of experience in financial services. Strong written English (C1+) and professional certifications like CFA or CFP are highly preferred.
Experience Required
Minimum 2 year(s)
Optical Engineer - Freelance AI Trainer at Mindrift
, , India - Full Time
Skills Needed
Optical Engineering, Numerical Simulation, Physics Modeling, Problem Design, Electromagnetism, Quantum Mechanics, Thermodynamics, Mechanics, Technical Writing, English Proficiency
Specialization
Requires a degree in Physics or a related field with at least 2 years of professional experience in research, application, or teaching. Must possess strong numerical simulation skills and C1+ English proficiency.
Experience Required
Minimum 2 year(s)
Portfolio Manager - Freelance AI Trainer at Mindrift
, New South Wales, Australia - Full Time
Skills Needed
Portfolio Performance Analysis, Tax Lot Accounting, Wash Sale Rules, Investment Policy Statement Literacy, Financial Advisory, Investment Management, Fee Stack Analysis, Rebalancing, Tax Loss Harvesting, Suitability Checks
Specialization
Requires a degree in Finance or a related field and at least 2 years of experience in financial services or investment management. Strong written English (C1+) and professional certifications like CFA or CFP are highly preferred.
Experience Required
Minimum 2 year(s)
Portfolio Manager - Freelance AI Trainer at Mindrift
, , Uruguay - Full Time
Skills Needed
Portfolio Performance Analysis, Tax Lot Accounting, Wash Sale Rules, Investment Policy Statement Literacy, Financial Advisory, Investment Management, Fee Stack Analysis, Rebalancing, Tax Loss Harvesting, Suitability Checks
Specialization
Requires a degree in Finance, Economics, or a related field with at least 2 years of experience in financial services. Strong written English (C1+) and professional certifications like CFA or CFP are highly preferred.
Experience Required
Minimum 2 year(s)
Portfolio Manager - Freelance AI Trainer at Mindrift
, Minnesota, United States - Full Time
Skills Needed
Portfolio Performance Analysis, Tax Lot Accounting, Wash Sale Rules, Investment Policy Statement Literacy, Financial Advisory, Investment Management, Fee Stack Analysis, Rebalancing, Tax Loss Harvesting, Suitability Checks
Specialization
Requires a degree in Finance or a related field and at least 2 years of experience in financial services. Strong written English and professional certifications like CFA or CFP are highly preferred.
Experience Required
Minimum 2 year(s)
Portfolio Manager - Freelance AI Trainer at Mindrift
San Antonio, Texas, United States - Full Time
Skills Needed
Portfolio Performance Analysis, Tax Lot Accounting, Wash Sale Rules, Investment Policy Statement Literacy, Financial Advisory, Investment Management, Fee Stack Analysis, Rebalancing, Tax Loss Harvesting, Suitability Checks
Specialization
Requires a degree in Finance or a related field and at least 2 years of experience in financial services or investment management. Strong written English (C1+) and professional certifications like CFA or CFP are highly preferred.
Experience Required
Minimum 2 year(s)
Portfolio Manager - Freelance AI Trainer at Mindrift
Houston, Texas, United States - Full Time
Skills Needed
Portfolio Performance Analysis, Tax Lot Accounting, Wash Sale Rules, Investment Policy Statement Literacy, Financial Advisory, Investment Management, Fee Stack Analysis, Rebalancing, Tax Loss Harvesting, Suitability Checks
Specialization
Requires a degree in Finance or a related field and at least 2 years of experience in financial services or investment management. Strong written English (C1+) and professional certifications like CFA or CFP are highly preferred.
Experience Required
Minimum 2 year(s)
Portfolio Manager - Freelance AI Trainer at Mindrift
Mumbai, maharashtra, India - Full Time
Skills Needed
Portfolio Performance Analysis, Tax Lot Accounting, Wash Sale Rules, Investment Policy Statement Literacy, Financial Advisory, Investment Management, Fee Stack Analysis, Rebalancing, Tax Loss Harvesting, Suitability Checks, English Proficiency
Specialization
Requires a degree in Finance, Economics, or a related field and at least 2 years of experience in financial services or investment management. Strong written English (C1+) and practical knowledge of portfolio analysis and tax rules are essential.
Experience Required
Minimum 2 year(s)
Portfolio Manager - Freelance AI Trainer at Mindrift
, , Costa Rica - Full Time
Skills Needed
Portfolio Performance Analysis, Tax Lot Accounting, Wash Sale Rules, Investment Policy Statement Literacy, Financial Advisory, Investment Management, Fee Stack Analysis, Rebalancing, Tax Loss Harvesting, Suitability Checks, English Proficiency
Specialization
Requires a degree in Finance or a related field and at least 2 years of experience in financial services or investment management. Strong written English (C1+) and knowledge of portfolio analysis and tax rules are essential, with professional certifications like CFA or CFP being a plus.
Experience Required
Minimum 2 year(s)
Optical Engineer - Freelance AI Trainer at Mindrift
Cape Town, Western Cape, South Africa - Full Time
Skills Needed
Optical Engineering, Numerical Simulation, Physics Modeling, Problem Design, Quantum Mechanics, Electromagnetism, Thermodynamics, Mechanics, Technical Writing, English Proficiency
Specialization
Requires a degree in Physics or a related field with at least 2 years of professional experience in research, applied physics, or teaching. Must possess strong numerical simulation skills and C1+ English proficiency.
Experience Required
Minimum 2 year(s)
Optical Engineer - Freelance AI Trainer at Mindrift
, Victoria, Australia - Full Time
Skills Needed
Optical Engineering, Numerical Simulation, Physics Modeling, Problem Design, Electromagnetism, Quantum Mechanics, Thermodynamics, Mechanics, Technical Writing, English Proficiency
Specialization
Requires a degree in Physics or a related field with at least 2 years of professional experience in research, applied physics, or teaching. Must be proficient in numerical simulation methods and possess strong written English skills (C1+).
Experience Required
Minimum 2 year(s)
Freelance Junior Journalist - AI Trainer at Mindrift
, , South Korea - Full Time
Skills Needed
Journalism, Communications, Linguistics, Literature, English Proficiency, Critical Thinking, Fact Checking, Ai Training, Content Evaluation, Prompt Engineering
Specialization
Requires a Bachelor's degree in Journalism, Communications, or a related field with at least one year of professional experience. Must possess strong written English skills (C1/C2 level) and a stable internet connection.
Freelance Market Research Analyst - Vietnam at Euromonitor
, , Vietnam - Full Time
Skills Needed
Secondary Research, Retail Audits, Cold Calling, Trade Interviews, Data Analysis, Market Sizing, Business Insight Development, Report Writing, Microsoft Excel, Microsoft Word, Microsoft Powerpoint, English Fluency, Numeracy Skills, Competitive Benchmarking, Consumer Trend Analysis, Strategic Positioning
Specialization
Requires professional fluency in English, strong numeracy skills, and proficiency in Microsoft Office Suite. Prior experience in market research or consulting, specifically with desk research and cold calling, is highly desirable.
Experience Required
Minimum 2 year(s)
Freelance Annotator (English) - AI Trainer at Toloka Annotators
, , South Korea - Full Time
Skills Needed
Data Annotation, Fact Checking, Content Classification, English Proficiency, Logical Thinking, Attention To Detail, Communication Skills, Reasoning Abilities
Specialization
Requires a bachelor's degree and at least one year of professional experience. Candidates must possess advanced English proficiency (C1 or higher) and strong analytical skills.
Portfolio Manager - Freelance AI Trainer at Mindrift
Austin, Texas, United States -
Full Time

Start Date

Immediate

Expiry Date

06 Oct, 26

Salary

60.0

Posted On

08 Jul, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

No

Skills

Portfolio Performance Analysis, Tax-Lot Accounting, Wash-Sale Rules, Investment Policy Statement Literacy, Financial Advisory, Investment Management, Fee-Stack Analysis, Rebalancing, Tax-Loss Harvesting, Suitability Checks

Industry

technology;Information and Internet

Description
Please submit your CV in English and indicate your level of English proficiency. Mindrift connects specialists with project-based AI opportunities for leading tech companies, focused on testing, evaluating, and improving AI systems. Participation is project-based, not permanent employment. What this opportunity involves While each project involves unique tasks, contributors may: Design and evaluate Quarterly Business Review scenarios — performance vs. benchmark, allocation drift against IPS tolerance bands, and material fund document changes; Create rebalancing and tax-loss harvesting test cases involving cost basis, short-term vs. long-term capital gains, and wash-sale rule application; Develop suitability check cases probing risk tolerance, time horizon, prohibited holdings, and concentration limits against a client's Investment Policy Statement; Construct fee-stack analysis cases: portfolio-weighted expense ratios, advisory fees, and all-in cost comparisons against category benchmarks; Document test cases clearly with verified calculations, policy citations, and correct answers. What we look for This opportunity is a good fit for professionals with a background in investment management, financial advisory, or broader financial services who are open to part-time, non-permanent projects. Ideally, contributors will have: Degree in Finance, Economics, Business Administration, Accounting, Mathematics, Statistics, or any related field; 2+ years of finance, investment, accounting, or financial services experience; Current or recent experience in advisory & management or adjacent roles; Practical knowledge of portfolio performance analysis, tax-lot accounting, wash-sale rules, and Investment Policy Statement literacy; a CFA, CFP, CPWA, CIMA, or CIPM credential is a strong positive signal; Strong written English (C1+). How it works Apply → Pass qualification(s) → Join a project → Complete tasks → Get paid Project time expectations For this project, tasks are estimated to require around 10–20 hours per week during active phases, based on project requirements. This is an estimate, not a guaranteed workload, and applies only while the project is active. Compensation On this project, contributors can earn up to $60 per hour equivalent, depending on their level and pace of contribution. Compensation varies across projects depending on scope, complexity, and required expertise. Please note that other projects on the platform may offer different earning levels based on their requirements.

How To Apply:

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Responsibilities
Design and evaluate financial scenarios including Quarterly Business Reviews, rebalancing, and tax-loss harvesting for AI system improvement. Develop suitability check cases and fee-stack analyses while documenting calculations and policy citations.
Portfolio Manager - Freelance AI Trainer at Mindrift
Austin, Texas, United States - Full Time
Skills Needed
Portfolio Performance Analysis, Tax Lot Accounting, Wash Sale Rules, Investment Policy Statement Literacy, Financial Advisory, Investment Management, Fee Stack Analysis, Rebalancing, Tax Loss Harvesting, Suitability Checks
Specialization
Requires a degree in Finance, Economics, or a related field with at least 2 years of experience in financial services. Strong written English (C1+) and practical knowledge of portfolio analysis and tax rules are essential.
Experience Required
Minimum 2 year(s)
Portfolio Manager - Freelance AI Trainer at Mindrift
, , Belgium - Full Time
Skills Needed
Portfolio Performance Analysis, Tax Lot Accounting, Wash Sale Rules, Investment Policy Statement Literacy, Financial Advisory, Investment Management, Fee Stack Analysis, Rebalancing, Tax Loss Harvesting, Suitability Checks
Specialization
Requires a degree in Finance, Economics, or a related field with at least 2 years of experience in financial services. Proficiency in English (C1+) and knowledge of investment management principles are essential, with certifications like CFA or CFP being a strong plus.
Experience Required
Minimum 2 year(s)
Optical Engineer - Freelance AI Trainer at Mindrift
, , Saudi Arabia - Full Time
Skills Needed
Optical Engineering, Numerical Simulation, Physics Modeling, Problem Design, Electromagnetism, Quantum Mechanics, Thermodynamics, Mechanics, Technical Writing, English Proficiency
Specialization
Requires a degree in Physics or a related field with at least 2 years of professional experience in research, application, or teaching. Must be proficient in numerical simulation methods and possess strong written English skills (C1+).
Experience Required
Minimum 2 year(s)
Optical Engineer - Freelance AI Trainer at Mindrift
Buenos Aires, , Argentina - Full Time
Skills Needed
Optical Engineering, Numerical Simulation, Physics Modeling, Problem Design, Theoretical Physics, Experimental Physics, Computational Physics, Electromagnetism, Thermodynamics, Quantum Mechanics, English Proficiency
Specialization
Requires a degree in Physics or a related field with at least 2 years of professional experience in research, application, or teaching. Must possess strong written English skills and expertise in numerical simulation and physics modeling.
Experience Required
Minimum 2 year(s)
Portfolio Manager - Freelance AI Trainer at Mindrift
, , Morocco - Full Time
Skills Needed
Portfolio Performance Analysis, Tax Lot Accounting, Wash Sale Rules, Investment Policy Statement Literacy, Financial Advisory, Investment Management, Fee Stack Analysis, Rebalancing, Tax Loss Harvesting, Suitability Checks
Specialization
Requires a degree in Finance, Economics, or a related field with at least 2 years of experience in financial services. Strong written English (C1+) and professional certifications like CFA or CFP are highly preferred.
Experience Required
Minimum 2 year(s)
Optical Engineer - Freelance AI Trainer at Mindrift
, Arizona, United States - Full Time
Skills Needed
Optical Engineering, Numerical Simulation, Physics Modeling, Problem Design, Electromagnetism, Quantum Mechanics, Thermodynamics, Mechanics, Technical Writing, English Proficiency
Specialization
Requires a degree in Physics or a related field with at least 2 years of professional experience in research, applied physics, or teaching. Must possess strong numerical simulation skills and C1+ English proficiency.
Experience Required
Minimum 2 year(s)
Portfolio Manager - Freelance AI Trainer at Mindrift
, , New Zealand - Full Time
Skills Needed
Portfolio Performance Analysis, Tax Lot Accounting, Wash Sale Rules, Investment Policy Statement Literacy, Financial Advisory, Investment Management, Fee Stack Analysis, Rebalancing, Tax Loss Harvesting, Suitability Checks
Specialization
Requires a degree in Finance or a related field and at least 2 years of experience in financial services. Strong written English (C1+) and professional certifications like CFA or CFP are highly preferred.
Experience Required
Minimum 2 year(s)
Optical Engineer - Freelance AI Trainer at Mindrift
, , India - Full Time
Skills Needed
Optical Engineering, Numerical Simulation, Physics Modeling, Problem Design, Electromagnetism, Quantum Mechanics, Thermodynamics, Mechanics, Technical Writing, English Proficiency
Specialization
Requires a degree in Physics or a related field with at least 2 years of professional experience in research, application, or teaching. Must possess strong numerical simulation skills and C1+ English proficiency.
Experience Required
Minimum 2 year(s)
Portfolio Manager - Freelance AI Trainer at Mindrift
, New South Wales, Australia - Full Time
Skills Needed
Portfolio Performance Analysis, Tax Lot Accounting, Wash Sale Rules, Investment Policy Statement Literacy, Financial Advisory, Investment Management, Fee Stack Analysis, Rebalancing, Tax Loss Harvesting, Suitability Checks
Specialization
Requires a degree in Finance or a related field and at least 2 years of experience in financial services or investment management. Strong written English (C1+) and professional certifications like CFA or CFP are highly preferred.
Experience Required
Minimum 2 year(s)
Portfolio Manager - Freelance AI Trainer at Mindrift
, , Uruguay - Full Time
Skills Needed
Portfolio Performance Analysis, Tax Lot Accounting, Wash Sale Rules, Investment Policy Statement Literacy, Financial Advisory, Investment Management, Fee Stack Analysis, Rebalancing, Tax Loss Harvesting, Suitability Checks
Specialization
Requires a degree in Finance, Economics, or a related field with at least 2 years of experience in financial services. Strong written English (C1+) and professional certifications like CFA or CFP are highly preferred.
Experience Required
Minimum 2 year(s)
Portfolio Manager - Freelance AI Trainer at Mindrift
, Minnesota, United States - Full Time
Skills Needed
Portfolio Performance Analysis, Tax Lot Accounting, Wash Sale Rules, Investment Policy Statement Literacy, Financial Advisory, Investment Management, Fee Stack Analysis, Rebalancing, Tax Loss Harvesting, Suitability Checks
Specialization
Requires a degree in Finance or a related field and at least 2 years of experience in financial services. Strong written English and professional certifications like CFA or CFP are highly preferred.
Experience Required
Minimum 2 year(s)
Portfolio Manager - Freelance AI Trainer at Mindrift
San Antonio, Texas, United States - Full Time
Skills Needed
Portfolio Performance Analysis, Tax Lot Accounting, Wash Sale Rules, Investment Policy Statement Literacy, Financial Advisory, Investment Management, Fee Stack Analysis, Rebalancing, Tax Loss Harvesting, Suitability Checks
Specialization
Requires a degree in Finance or a related field and at least 2 years of experience in financial services or investment management. Strong written English (C1+) and professional certifications like CFA or CFP are highly preferred.
Experience Required
Minimum 2 year(s)
Portfolio Manager - Freelance AI Trainer at Mindrift
Houston, Texas, United States - Full Time
Skills Needed
Portfolio Performance Analysis, Tax Lot Accounting, Wash Sale Rules, Investment Policy Statement Literacy, Financial Advisory, Investment Management, Fee Stack Analysis, Rebalancing, Tax Loss Harvesting, Suitability Checks
Specialization
Requires a degree in Finance or a related field and at least 2 years of experience in financial services or investment management. Strong written English (C1+) and professional certifications like CFA or CFP are highly preferred.
Experience Required
Minimum 2 year(s)
Portfolio Manager - Freelance AI Trainer at Mindrift
Mumbai, maharashtra, India - Full Time
Skills Needed
Portfolio Performance Analysis, Tax Lot Accounting, Wash Sale Rules, Investment Policy Statement Literacy, Financial Advisory, Investment Management, Fee Stack Analysis, Rebalancing, Tax Loss Harvesting, Suitability Checks, English Proficiency
Specialization
Requires a degree in Finance, Economics, or a related field and at least 2 years of experience in financial services or investment management. Strong written English (C1+) and practical knowledge of portfolio analysis and tax rules are essential.
Experience Required
Minimum 2 year(s)
Portfolio Manager - Freelance AI Trainer at Mindrift
, , Costa Rica - Full Time
Skills Needed
Portfolio Performance Analysis, Tax Lot Accounting, Wash Sale Rules, Investment Policy Statement Literacy, Financial Advisory, Investment Management, Fee Stack Analysis, Rebalancing, Tax Loss Harvesting, Suitability Checks, English Proficiency
Specialization
Requires a degree in Finance or a related field and at least 2 years of experience in financial services or investment management. Strong written English (C1+) and knowledge of portfolio analysis and tax rules are essential, with professional certifications like CFA or CFP being a plus.
Experience Required
Minimum 2 year(s)
Optical Engineer - Freelance AI Trainer at Mindrift
Cape Town, Western Cape, South Africa - Full Time
Skills Needed
Optical Engineering, Numerical Simulation, Physics Modeling, Problem Design, Quantum Mechanics, Electromagnetism, Thermodynamics, Mechanics, Technical Writing, English Proficiency
Specialization
Requires a degree in Physics or a related field with at least 2 years of professional experience in research, applied physics, or teaching. Must possess strong numerical simulation skills and C1+ English proficiency.
Experience Required
Minimum 2 year(s)
Optical Engineer - Freelance AI Trainer at Mindrift
, Victoria, Australia - Full Time
Skills Needed
Optical Engineering, Numerical Simulation, Physics Modeling, Problem Design, Electromagnetism, Quantum Mechanics, Thermodynamics, Mechanics, Technical Writing, English Proficiency
Specialization
Requires a degree in Physics or a related field with at least 2 years of professional experience in research, applied physics, or teaching. Must be proficient in numerical simulation methods and possess strong written English skills (C1+).
Experience Required
Minimum 2 year(s)
Freelance Junior Journalist - AI Trainer at Mindrift
, , South Korea - Full Time
Skills Needed
Journalism, Communications, Linguistics, Literature, English Proficiency, Critical Thinking, Fact Checking, Ai Training, Content Evaluation, Prompt Engineering
Specialization
Requires a Bachelor's degree in Journalism, Communications, or a related field with at least one year of professional experience. Must possess strong written English skills (C1/C2 level) and a stable internet connection.
Freelance Market Research Analyst - Vietnam at Euromonitor
, , Vietnam - Full Time
Skills Needed
Secondary Research, Retail Audits, Cold Calling, Trade Interviews, Data Analysis, Market Sizing, Business Insight Development, Report Writing, Microsoft Excel, Microsoft Word, Microsoft Powerpoint, English Fluency, Numeracy Skills, Competitive Benchmarking, Consumer Trend Analysis, Strategic Positioning
Specialization
Requires professional fluency in English, strong numeracy skills, and proficiency in Microsoft Office Suite. Prior experience in market research or consulting, specifically with desk research and cold calling, is highly desirable.
Experience Required
Minimum 2 year(s)
Freelance Annotator (English) - AI Trainer at Toloka Annotators
, , South Korea - Full Time
Skills Needed
Data Annotation, Fact Checking, Content Classification, English Proficiency, Logical Thinking, Attention To Detail, Communication Skills, Reasoning Abilities
Specialization
Requires a bachelor's degree and at least one year of professional experience. Candidates must possess advanced English proficiency (C1 or higher) and strong analytical skills.