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State Government Of Victoria Jobs overseas

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Real Estate Underwriter at Texans Credit Union
Richardson, Texas, United States - Full Time
Skills Needed
Financial Analysis, Credit Risk Evaluation, Mortgage Underwriting, Income Calculation, Asset Verification, Regulatory Compliance, Collateral Review, Customer Service, Written Communication, Verbal Communication, Attention To Detail, Interpersonal Skills
Specialization
Requires a minimum of 3 years of mortgage lending, underwriting support, or credit analysis experience. A bachelor's degree in finance, business, or economics is preferred, along with knowledge of TRID and Dodd-Frank regulations.
Experience Required
Minimum 2 year(s)
Real Estate Review Lead at JPMC Candidate Experience page
Chicago, Illinois, United States - Full Time
Skills Needed
Real Estate Valuation, Appraisal Review, Uspap Standards, Federal Appraisal Regulations, Analytical Skills, Writing Skills, Oral Communication, Microsoft Word, Microsoft Excel, Time Management, Problem Solving, Independent Decision Making
Specialization
Candidates must hold a State Certified Residential or Certified General License and have over 10 years of experience in high-end residential appraisals. A deep understanding of USPAP and federal appraisal regulations is required.
Experience Required
Minimum 10 year(s)
Director of Real Estate at Core Development and Management-Planet Fitness
Boston, Massachusetts, United States - Full Time
Skills Needed
Market Planning, Site Identification, Lease Negotiation, Lease Management, Strategic Analysis, Demographic Analytics, Financial Criteria Assessment, Project Management, Strategic Planning, Relationship Management
Specialization
Requires 10-15 years of experience in real estate management with a proven ability to manage multiple projects. Strong strategic planning, assessment skills, and the ability to travel up to 50% are essential.
Experience Required
Minimum 10 year(s)
Planner - Upstate Sport at Cotton On Group Services Pty Ltd
Geelong, Victoria, Australia - Full Time
Skills Needed
Sales Budgeting, Trend Prediction, Data Analysis, Stakeholder Management, Time Management, Attention To Detail, Retail Supply Chain Management, Technology Implementation
Specialization
Candidates must have demonstrated experience in planning with exposure to sales budgets and historical data analysis. Strong communication skills and in-depth knowledge of retail supply chain management are required.
Experience Required
Minimum 2 year(s)
Director of Real Estate at Core Development and Management-Planet Fitness
SeaTac, Washington, United States - Full Time
Skills Needed
Market Planning, Site Identification, Lease Negotiation, Lease Management, Strategic Analysis, Demographic Analytics, Financial Criteria Assessment, Stakeholder Management, Project Management, Strategic Planning
Specialization
Requires 10-15 years of experience in real estate management with a proven ability to manage multiple projects. Candidates must possess strong strategic planning skills and the ability to travel up to 50% of the time.
Experience Required
Minimum 10 year(s)
Real Estate Lease Admin at Action Behavior Centers
Lombard, Illinois, United States - Full Time
Skills Needed
Database Management, Lease Administration, Lease Interpretation, Drafting Lease Notices, Ms Word, Ms Excel, Ms Powerpoint, Outlook, Google Mail, Time Management, Interpersonal Communication, Attention To Detail, Organizational Skills, Written Communication
Specialization
Requires an Associate's or Bachelor's degree with 2-5 years of real estate lease administration or paralegal experience. Proficiency in MS Office and strong organizational and communication skills are essential.
Experience Required
Minimum 2 year(s)
Real Estate Lease Admin at Action Behavior Centers
Lombard, Illinois, United States - Full Time
Skills Needed
Database Management, Lease Administration, Lease Interpretation, Legal Documentation, Ms Word, Excel, Powerpoint, Outlook, Google Mail, Time Management, Interpersonal Communication, Written Communication, Organizational Skills, Attention To Detail
Specialization
Requires an Associate's or Bachelor's degree with 2-5 years of real estate lease administration or paralegal experience. Proficiency in Microsoft Office and strong communication skills are essential for managing a multi-site real estate portfolio.
Experience Required
Minimum 2 year(s)
Government Relations Manager at Syngenta Group
Washington, District of Columbia, United States - Full Time
Skills Needed
Government Relations, Public Affairs, Legislative Advocacy, Policy Analysis, Stakeholder Management, Political Acumen, Strategic Planning, Pac Management, Written Communication, Verbal Communication, Research, Coalition Building
Specialization
Requires a bachelor's degree in Government, Political Science, or a related field with at least 5 years of experience in public affairs or public relations. Must have proven experience advocating before Congress and Executive Agencies with strong political judgment in the agricultural sector.
Experience Required
Minimum 5 year(s)
Government Relations Manager at Longbridge Group
Hong Kong, Hong Kong Island, Hong Kong S.A.R. - Full Time
Skills Needed
Regulatory Tracking, Policy Analysis, Stakeholder Communication, Compliance Management, Cross Border Finance, Report Drafting, Risk Assessment, Information Integration, English Proficiency, Chinese Proficiency, Cantonese Proficiency, Mandarin Proficiency
Specialization
Candidates need a bachelor's degree in Finance, Law, or Public Policy with 3-5 years of relevant experience in financial compliance or legal roles. Strong knowledge of Hong Kong's regulatory framework and fluency in English, Cantonese, and Mandarin are required.
Experience Required
Minimum 2 year(s)
Manager, Government Relations at Amneal India
Ahmedabad, gujarat, India - Full Time
Skills Needed
Government Relations, Regulatory Compliance, Cdsco Approvals, Fda Licensing, Narcotics Regulations, Fssai Registration, Strategic Planning, Stakeholder Management, Technical Documentation, Communication Skills, Sugam Portal, Nsws Portal, Idml Portal, Ifp Portal, Unified Cbn Portal, Foscos Portal
Specialization
Requires a Bachelor of Pharmacy (B.Pharm) with 10-12 years of experience in regulatory affairs and government relations. Must have deep knowledge of the D&C Act, NDPS Acts, and proficiency in various government online portals.
Experience Required
Minimum 10 year(s)
Government Relations Manager at Honeywell
Yuexiu District, Guangdong Province, China - Full Time
Skills Needed
Government Relations, Public Affairs, Policy Research, Regulatory Analysis, Stakeholder Management, Policy Advocacy, Strategic Communication, Intergovernmental Relations, Legislative Monitoring, English Fluency
Specialization
Requires a Bachelor's degree in International Relations, Economics, Law, or related fields with at least 7 years of experience in government relations. Must have a strong understanding of Chinese regulatory frameworks and experience engaging with central ministries like MOFCOM and NDRC.
Experience Required
Minimum 5 year(s)
Government Travel Consultant at Seneca Holdings
Randolph AFB, Texas, United States - Full Time
Skills Needed
Worldspan, Sabre Gds, Government Travel Regulations, Customer Service, Travel Planning, Written Communication, Verbal Communication
Specialization
Candidates must have a High School Diploma or GED and experience in the travel industry. Proficiency in WorldSpan and SABRE GDS is required along with strong customer service and communication skills.
Experience Required
Minimum 2 year(s)
Government Travel Consultant at Seneca Holdings
Midwest City, Oklahoma, United States - Full Time
Skills Needed
Worldspan, Sabre Gds, Government Travel Regulations, Customer Service, Travel Planning, Communication Skills
Specialization
Candidates must have a High School Diploma or GED and experience in the travel industry. Proficiency in WorldSpan and SABRE GDS is required along with strong customer service and communication skills.
Experience Required
Minimum 2 year(s)
Government Affairs Associate at Hudson Institute
Washington, District of Columbia, United States - Full Time
Skills Needed
Government Affairs, Policy Development, Legislative Process, Project Management, Professional Writing, Interpersonal Communication, Crm Tools, Microsoft Excel, Stakeholder Management, Research, National Security Policy, Foreign Policy
Specialization
Candidates need three years of relevant experience in government affairs, preferably from Capitol Hill, the executive branch, or a think tank. Strong knowledge of the US legislative process and national security policy, along with proficiency in CRM tools, is required.
Experience Required
Minimum 2 year(s)
Government Relations Manager at Honeywell
Chaoyang District, Beijing, China - Full Time
Skills Needed
Government Relations, Public Affairs, Policy Research, Regulatory Analysis, Stakeholder Engagement, Public Policy, Strategic Communication, Policy Advocacy, Intergovernmental Relations, Analytical Thinking, Collaboration, Professionalism
Specialization
Requires a Bachelor's degree in International Relations, Economics, Law, or a related field with at least 7 years of experience in government relations. Must have a strong understanding of Chinese regulatory frameworks and experience engaging with central ministries like MOFCOM and NDRC.
Experience Required
Minimum 5 year(s)
OFFICER, GOVERNMENT RELATIONS at alfanar
Jizan, Jazan Province, Saudi Arabia - Full Time
Skills Needed
Risk Assessment, Ms Office, Time Management, Troubleshooting, Communication, Teamwork, Initiative, Creativity, Analytical Thinking, Detail Oriented, Report Writing
Specialization
Candidates must have a high school degree and 2 to 4 years of relevant work experience. Proficiency in MS Office and strong organizational and communication skills are required.
Experience Required
Minimum 2 year(s)
Government Affairs Specialist at CoinFlip
Chicago, Illinois, United States - Full Time
Skills Needed
Government Relations, Public Policy, Legislative Analysis, Regulatory Compliance, Strategic Advocacy, Stakeholder Management, Negotiation, Interpersonal Communication, Project Management, Microsoft Office Suite, Policy Research
Specialization
Candidates must have a bachelor's degree in Political Science, Law, or a related field and at least 3 years of experience in government relations. Proficiency in legislative processes and strong analytical and communication skills are required.
Experience Required
Minimum 2 year(s)
Officer, Government Relations at Mashreq Careers
, , Egypt - Full Time
Skills Needed
Government Relations, Regulatory Compliance, Liaising, Risk Management, Stakeholder Management, Interdepartmental Coordination
Specialization
The candidate must be able to implement and maintain government entity requirements and functions. Strong communication skills are needed to liaise between branch managers, unit heads, and head office operations.
Experience Required
Minimum 2 year(s)
Government Contracts Manager at Vontier
Everett, Washington, United States - Full Time
Skills Needed
Government Contracts Management, Far, Dfars, Contract Negotiation, Regulatory Interpretation, Risk Mitigation, Proposal Development, Stakeholder Management, Compliance Auditing, Project Management, Critical Thinking, Gsar
Specialization
Requires 8+ years of sales-side contracts management experience within a manufacturing environment. Must possess strong working knowledge of federal contracting frameworks and the ability to exercise independent judgment in ambiguous regulatory situations.
Experience Required
Minimum 10 year(s)
Government Travel Consultant at Omega World Travel
Jacksonville, North Carolina, United States - Full Time
Skills Needed
Gds Systems, Apollo, Travelport, Sabre, Microsoft Office, Customer Service, Travel Reservations, Ticketing, Exchanges And Refunds, Internet Research
Specialization
Candidates must have at least 3 years of travel agent experience and proficiency in Sabre or Apollo GDS systems. Strong communication skills and aptitude for Microsoft Office products are also required.
Experience Required
Minimum 2 year(s)
Real Estate Underwriter at Texans Credit Union
Richardson, Texas, United States -
Full Time

Start Date

Immediate

Expiry Date

03 Sep, 26

Salary

0.0

Posted On

05 Jun, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

No

Skills

Financial Analysis, Credit Risk Evaluation, Mortgage Underwriting, Income Calculation, Asset Verification, Regulatory Compliance, Collateral Review, Customer Service, Written Communication, Verbal Communication, Attention To Detail, Interpersonal Skills

Industry

Banking

Description
Description Position Purpose and Objectives Analyze financial information and evaluate the risk of real estate loan applications, including first mortgages, home equity loans, HELOCs, and related products. Support the underwriting lifecycle by applying credit guidelines, regulatory requirements, and internal policies while delivering consistent and positive member experience. This role is an entry-level contributor who partners with senior underwriters and lending teams to develop underwriting expertise and support production goals. Major Duties and Essential Functions: Completes any other job- related duties needed that reinforce Texans Credit Union’s EPIC values, traits, and behaviors.? Provide excellent member service and develops relationships with internal and external members? Analyze loan applications and supporting documentation to assess creditworthiness and risk. Perform basic to moderately complex income calculations, asset verification, and credit analysis. Review appraisals, collateral, and title documentation for completeness and adherence to policy. Apply underwriting guidelines in compliance with federal regulations (e.g., TRID, Dodd-Frank) and Texas Home Equity laws. Underwrite loans in an AUS environment and/or with guidance from senior underwriters. Maintain service level expectations, including timely loan decisioning within defined turnaround times. Communicate loan decisions clearly and professionally to internal partners and stakeholders. Provide a high level of member service and support a positive lending experience. Partner with processors, loan officers, and senior underwriters to resolve documentation and underwriting conditions. Participate in team meetings, training sessions, and continuous improvement initiatives. Assist with reports, data tracking, and departmental projects as assigned. Promote credit union products and services aligned with member needs. Perform other duties as assigned to support departmental and organizational goals. Positions directly supervised: None? Grade 9 Requirements Specific knowledge, skills, and abilities required for this position:? Foundational knowledge of residential mortgage and home equity products Basic understanding of underwriting guidelines and credit risk evaluation Knowledge of applicable regulations (Truth-in-Lending, ECOA, FCRA, TRID, Dodd-Frank) Strong attention to detail and ability to manage multiple files simultaneously Effective written and verbal communication skills Ability to learn underwriting judgment and decision-making skills Customer-focused mindset with strong interpersonal skill Education: Bachelor’s degree in finance, Business, Economics, or related field preferred. Experience: Minimum of 3 years of mortgage lending experience, with underwriting support, or credit analysis experience, Direct Endorsement and SAR certification preferred.
Responsibilities
Analyze financial information and evaluate risk for real estate loan applications, including mortgages and home equity loans. Partner with senior underwriters and lending teams to ensure compliance with internal policies and federal regulations.
Real Estate Underwriter at Texans Credit Union
Richardson, Texas, United States - Full Time
Skills Needed
Financial Analysis, Credit Risk Evaluation, Mortgage Underwriting, Income Calculation, Asset Verification, Regulatory Compliance, Collateral Review, Customer Service, Written Communication, Verbal Communication, Attention To Detail, Interpersonal Skills
Specialization
Requires a minimum of 3 years of mortgage lending, underwriting support, or credit analysis experience. A bachelor's degree in finance, business, or economics is preferred, along with knowledge of TRID and Dodd-Frank regulations.
Experience Required
Minimum 2 year(s)
Real Estate Review Lead at JPMC Candidate Experience page
Chicago, Illinois, United States - Full Time
Skills Needed
Real Estate Valuation, Appraisal Review, Uspap Standards, Federal Appraisal Regulations, Analytical Skills, Writing Skills, Oral Communication, Microsoft Word, Microsoft Excel, Time Management, Problem Solving, Independent Decision Making
Specialization
Candidates must hold a State Certified Residential or Certified General License and have over 10 years of experience in high-end residential appraisals. A deep understanding of USPAP and federal appraisal regulations is required.
Experience Required
Minimum 10 year(s)
Director of Real Estate at Core Development and Management-Planet Fitness
Boston, Massachusetts, United States - Full Time
Skills Needed
Market Planning, Site Identification, Lease Negotiation, Lease Management, Strategic Analysis, Demographic Analytics, Financial Criteria Assessment, Project Management, Strategic Planning, Relationship Management
Specialization
Requires 10-15 years of experience in real estate management with a proven ability to manage multiple projects. Strong strategic planning, assessment skills, and the ability to travel up to 50% are essential.
Experience Required
Minimum 10 year(s)
Planner - Upstate Sport at Cotton On Group Services Pty Ltd
Geelong, Victoria, Australia - Full Time
Skills Needed
Sales Budgeting, Trend Prediction, Data Analysis, Stakeholder Management, Time Management, Attention To Detail, Retail Supply Chain Management, Technology Implementation
Specialization
Candidates must have demonstrated experience in planning with exposure to sales budgets and historical data analysis. Strong communication skills and in-depth knowledge of retail supply chain management are required.
Experience Required
Minimum 2 year(s)
Director of Real Estate at Core Development and Management-Planet Fitness
SeaTac, Washington, United States - Full Time
Skills Needed
Market Planning, Site Identification, Lease Negotiation, Lease Management, Strategic Analysis, Demographic Analytics, Financial Criteria Assessment, Stakeholder Management, Project Management, Strategic Planning
Specialization
Requires 10-15 years of experience in real estate management with a proven ability to manage multiple projects. Candidates must possess strong strategic planning skills and the ability to travel up to 50% of the time.
Experience Required
Minimum 10 year(s)
Real Estate Lease Admin at Action Behavior Centers
Lombard, Illinois, United States - Full Time
Skills Needed
Database Management, Lease Administration, Lease Interpretation, Drafting Lease Notices, Ms Word, Ms Excel, Ms Powerpoint, Outlook, Google Mail, Time Management, Interpersonal Communication, Attention To Detail, Organizational Skills, Written Communication
Specialization
Requires an Associate's or Bachelor's degree with 2-5 years of real estate lease administration or paralegal experience. Proficiency in MS Office and strong organizational and communication skills are essential.
Experience Required
Minimum 2 year(s)
Real Estate Lease Admin at Action Behavior Centers
Lombard, Illinois, United States - Full Time
Skills Needed
Database Management, Lease Administration, Lease Interpretation, Legal Documentation, Ms Word, Excel, Powerpoint, Outlook, Google Mail, Time Management, Interpersonal Communication, Written Communication, Organizational Skills, Attention To Detail
Specialization
Requires an Associate's or Bachelor's degree with 2-5 years of real estate lease administration or paralegal experience. Proficiency in Microsoft Office and strong communication skills are essential for managing a multi-site real estate portfolio.
Experience Required
Minimum 2 year(s)
Government Relations Manager at Syngenta Group
Washington, District of Columbia, United States - Full Time
Skills Needed
Government Relations, Public Affairs, Legislative Advocacy, Policy Analysis, Stakeholder Management, Political Acumen, Strategic Planning, Pac Management, Written Communication, Verbal Communication, Research, Coalition Building
Specialization
Requires a bachelor's degree in Government, Political Science, or a related field with at least 5 years of experience in public affairs or public relations. Must have proven experience advocating before Congress and Executive Agencies with strong political judgment in the agricultural sector.
Experience Required
Minimum 5 year(s)
Government Relations Manager at Longbridge Group
Hong Kong, Hong Kong Island, Hong Kong S.A.R. - Full Time
Skills Needed
Regulatory Tracking, Policy Analysis, Stakeholder Communication, Compliance Management, Cross Border Finance, Report Drafting, Risk Assessment, Information Integration, English Proficiency, Chinese Proficiency, Cantonese Proficiency, Mandarin Proficiency
Specialization
Candidates need a bachelor's degree in Finance, Law, or Public Policy with 3-5 years of relevant experience in financial compliance or legal roles. Strong knowledge of Hong Kong's regulatory framework and fluency in English, Cantonese, and Mandarin are required.
Experience Required
Minimum 2 year(s)
Manager, Government Relations at Amneal India
Ahmedabad, gujarat, India - Full Time
Skills Needed
Government Relations, Regulatory Compliance, Cdsco Approvals, Fda Licensing, Narcotics Regulations, Fssai Registration, Strategic Planning, Stakeholder Management, Technical Documentation, Communication Skills, Sugam Portal, Nsws Portal, Idml Portal, Ifp Portal, Unified Cbn Portal, Foscos Portal
Specialization
Requires a Bachelor of Pharmacy (B.Pharm) with 10-12 years of experience in regulatory affairs and government relations. Must have deep knowledge of the D&C Act, NDPS Acts, and proficiency in various government online portals.
Experience Required
Minimum 10 year(s)
Government Relations Manager at Honeywell
Yuexiu District, Guangdong Province, China - Full Time
Skills Needed
Government Relations, Public Affairs, Policy Research, Regulatory Analysis, Stakeholder Management, Policy Advocacy, Strategic Communication, Intergovernmental Relations, Legislative Monitoring, English Fluency
Specialization
Requires a Bachelor's degree in International Relations, Economics, Law, or related fields with at least 7 years of experience in government relations. Must have a strong understanding of Chinese regulatory frameworks and experience engaging with central ministries like MOFCOM and NDRC.
Experience Required
Minimum 5 year(s)
Government Travel Consultant at Seneca Holdings
Randolph AFB, Texas, United States - Full Time
Skills Needed
Worldspan, Sabre Gds, Government Travel Regulations, Customer Service, Travel Planning, Written Communication, Verbal Communication
Specialization
Candidates must have a High School Diploma or GED and experience in the travel industry. Proficiency in WorldSpan and SABRE GDS is required along with strong customer service and communication skills.
Experience Required
Minimum 2 year(s)
Government Travel Consultant at Seneca Holdings
Midwest City, Oklahoma, United States - Full Time
Skills Needed
Worldspan, Sabre Gds, Government Travel Regulations, Customer Service, Travel Planning, Communication Skills
Specialization
Candidates must have a High School Diploma or GED and experience in the travel industry. Proficiency in WorldSpan and SABRE GDS is required along with strong customer service and communication skills.
Experience Required
Minimum 2 year(s)
Government Affairs Associate at Hudson Institute
Washington, District of Columbia, United States - Full Time
Skills Needed
Government Affairs, Policy Development, Legislative Process, Project Management, Professional Writing, Interpersonal Communication, Crm Tools, Microsoft Excel, Stakeholder Management, Research, National Security Policy, Foreign Policy
Specialization
Candidates need three years of relevant experience in government affairs, preferably from Capitol Hill, the executive branch, or a think tank. Strong knowledge of the US legislative process and national security policy, along with proficiency in CRM tools, is required.
Experience Required
Minimum 2 year(s)
Government Relations Manager at Honeywell
Chaoyang District, Beijing, China - Full Time
Skills Needed
Government Relations, Public Affairs, Policy Research, Regulatory Analysis, Stakeholder Engagement, Public Policy, Strategic Communication, Policy Advocacy, Intergovernmental Relations, Analytical Thinking, Collaboration, Professionalism
Specialization
Requires a Bachelor's degree in International Relations, Economics, Law, or a related field with at least 7 years of experience in government relations. Must have a strong understanding of Chinese regulatory frameworks and experience engaging with central ministries like MOFCOM and NDRC.
Experience Required
Minimum 5 year(s)
OFFICER, GOVERNMENT RELATIONS at alfanar
Jizan, Jazan Province, Saudi Arabia - Full Time
Skills Needed
Risk Assessment, Ms Office, Time Management, Troubleshooting, Communication, Teamwork, Initiative, Creativity, Analytical Thinking, Detail Oriented, Report Writing
Specialization
Candidates must have a high school degree and 2 to 4 years of relevant work experience. Proficiency in MS Office and strong organizational and communication skills are required.
Experience Required
Minimum 2 year(s)
Government Affairs Specialist at CoinFlip
Chicago, Illinois, United States - Full Time
Skills Needed
Government Relations, Public Policy, Legislative Analysis, Regulatory Compliance, Strategic Advocacy, Stakeholder Management, Negotiation, Interpersonal Communication, Project Management, Microsoft Office Suite, Policy Research
Specialization
Candidates must have a bachelor's degree in Political Science, Law, or a related field and at least 3 years of experience in government relations. Proficiency in legislative processes and strong analytical and communication skills are required.
Experience Required
Minimum 2 year(s)
Officer, Government Relations at Mashreq Careers
, , Egypt - Full Time
Skills Needed
Government Relations, Regulatory Compliance, Liaising, Risk Management, Stakeholder Management, Interdepartmental Coordination
Specialization
The candidate must be able to implement and maintain government entity requirements and functions. Strong communication skills are needed to liaise between branch managers, unit heads, and head office operations.
Experience Required
Minimum 2 year(s)
Government Contracts Manager at Vontier
Everett, Washington, United States - Full Time
Skills Needed
Government Contracts Management, Far, Dfars, Contract Negotiation, Regulatory Interpretation, Risk Mitigation, Proposal Development, Stakeholder Management, Compliance Auditing, Project Management, Critical Thinking, Gsar
Specialization
Requires 8+ years of sales-side contracts management experience within a manufacturing environment. Must possess strong working knowledge of federal contracting frameworks and the ability to exercise independent judgment in ambiguous regulatory situations.
Experience Required
Minimum 10 year(s)
Government Travel Consultant at Omega World Travel
Jacksonville, North Carolina, United States - Full Time
Skills Needed
Gds Systems, Apollo, Travelport, Sabre, Microsoft Office, Customer Service, Travel Reservations, Ticketing, Exchanges And Refunds, Internet Research
Specialization
Candidates must have at least 3 years of travel agent experience and proficiency in Sabre or Apollo GDS systems. Strong communication skills and aptitude for Microsoft Office products are also required.
Experience Required
Minimum 2 year(s)