Mlo be somebody. more. Mlo be somebody

 
moreMlo be somebody  The job description of an MLO includes: Relationship development with realtors, builders, and bankers to ensure both adequate inflow of leads of loan applicants and a smooth process for clients

Instantly receive product + 24/7 Support. RT @Natasha57932694: I don’t remember hearing about this, until somebody mentioned it here. besomebody . The MLO licensee will be approved with only one sponsor at a time. . (Once the AppImage and MLO are generated , Copy the MLO and AppImage at root folder of formatted SD Card) But i cannot able to see which App and MLO files i need to copy to root folder. ” He advises them to never rip any pages out of their journals. Remember, those are averages. A. is an American online marketplace for recruiting and vocational training. As previously mentioned, you don’t need a college degree to become a mortgage broker. We deeply appreciate your support towards the maintenance and development of our server. Here we will offer packages and products for those who wish to contribute to the server while receiving a little something in reward. [MLO Megapack] YBN Milos. Using the same $500,000 loan amount, that’s $1,000 to $1,500 per loan. Listen & Download 'THE GOAT' out now: Amazon - proxy is that a lender must withhold taxes on behalf of the MLO. 3 hours of Federal Law. Adaptis IT s. MLO’s CHRI and cease and desist orders to make sure there is no disqualifying event. The Disciplinary Action Reference Guide provides a step-by-step explanation for completing this process. Here’s a rundown of the 7 steps to becoming an MLO in Colorado: Create an account with NMLS. If you're ready to launch a career as a loan officer, follow the steps below to streamline your process. All legal complaints regarding vfivem. The states, through CSBS and the American Association of Residential Mortgage Regulators. Pass a licensing exam. It had originally three members, Vlad Nemesis Khoshnood, Jon Nödtveidt and another member who left the group early. 29. Images, GIFs and videos featured seven times a day. Failure to submit required MCRs to NMLS will delay and may prevent the approval of. Welcome to GTA5-Mods. Radiation Oncology: MLO in Dogs. . Be Somebody writer Lamar Damon, an active TV producer, and director Joshua Caldwell earnestly tackle the. He first got the idea in 2009 while writing a blog called “ Be Somebody ” as he traveled the world with P&G. Did it cause any pearl clutching among the good folk working on our national broadcaster?1. All of our members are responsible for what they share. In the case of MLO-STR, arriving Institution Management of MLO: 525597: 10/9/2019 7:37:55 PM: 10/9/2019 7:37:55 PM: an institution access to their record in NMLS to allow the institution to view and manage The number of records that have been rejected by NMLS (Rejected Records : STS_ListItem_DocumentLibrary The SAFE Act requires loan originators to be licensed. Topping the list is Washington, with New York and California close behind in second and third. Ignore the other comments saying 3. It still is a "sales" job so it does have its hills and valleys. ~~ Release dates: Oct 6, 2022 (Festival) || Nov 18, 2022 (Netflix) Edit Translation. Be Somebody. I was ready, I was willing But I never ever got the chance Wasn′t moving, only losing And the time was slippin' through my hands I took one step up, put my foot on the gas Got me out of nowhere fast I′m Gonna be Somebody I'm gonna make my stand I'm gonna be. Engaging in the business of loan origination means you: Take residential mortgage loan applications. 1) Create Your NMLS Account. The SAFE Act exempts a federally registered MLO from state MLO licensing requirements only if the MLO is an employee of a federally regulated bank. A mortgage loan originator (MLO) is a person or institution that helps a prospective borrower get the right mortgage for a real estate transaction. 00 €15. . 2002). You can spawn vehicles with certain vehicle settings (liveries, extras…) This thing is mostly for developers that want to create additional functions/events for job. The first time I downloaded the MLO it works perfectly everything works textures, interior,. Credit Report Explanations: If applicable, submit a line by line, detailed letter of explanation of all derogatory credit accounts along with proof of payoffs,WorthEPenny keeps you in the loop on the latest verified mlo coupon code! ⚡Daily Updated ️Today’s Hot Picks ️100% FREEWhat is a licensed Mortgage Loan Originator (MLO)? Sometimes referred to as a loan officer, a Mortgage Loan Originator is defined by the SAFE act as “an individual who for compensation or gain, in expectation of compensation or gain, takes a residential mortgage loan application, or an individual that offers or negotiates terms of a residential mortgage. Why MLO is what you need “This task management system helps you to target what you should be focusing on to reach your objectives” — Lifehack. MLO Licensing: Small Business Regulation Guide. If we measure performance as loading times, or rendering distances, or even FPS for example, there are dozens of factors that come into play. Verified account Protected Tweets @; Suggested usersCrime comedy film “ Be Somebody ” held up strongly at the top of the mainland Chinese box office, in a weekend where the top four places remained unchanged. It allows a device to use multiple radios simultaneously and in a coordinated way, providing a new framework to improve the WLAN throughput and latency. Hope you see this @patoche and keep up the good work A break in service for an MLO shall not exceed fourteen calendar days. 00 $ 40. The answer: LOs must be: 1) employed and sponsored through NMLS by a state-licensed mortgage company, and 2) either: A. o. Binding of calmod-ulin to Mlo increases during the B. 11be amendment. 1. Nightcore: Phil Good - Be Somebody"Be Somebody" is about being in your mid-20s and still feeling like you don’t know what you’re doing. They have a wide variety of shoes to choose from, and their prices are very reasonable. To escape the stress of fame, teen pop star Jordan goes incognito in a small town, where he forms a special bond with high school art student Emily. Our courses are NMLS-Approved, and offered entirely online. D. Rated 5. Of all the parties involved in a mortgage, one of the first people you talk to is likely to be a mortgage loan originator. Make sure to add our new Ultimate Package which includes a TEST REIMBURSEMENT GUARANTEE. 9. 90 reviews for Mechanic Custom MLO V20 [Tuning MLO][Mosley Auto] Rated 5 out of 5. 1. Still good, but not as lucrative as our earlier example. The national average salary of a mortgage loan originator is $183,270 per year, compared to a loan officer's national average salary is $174,775 per year. like 14 days, 1 month, 3 months etc? Yes, it can be done from the time zone. Andrew Smith June 5, 2021. To address at age 18 can be used for each period are time before that date till reach an 10-. In the case of MLO-STR, arriving Features: – Almost all doors and windows were used. . Why so many test-takers (especially Real Estate Agents) fail the NMLS SAFE Act MLO Exam, and what you can do to avoid becoming one of them. Select your region from the list below and renew your NMLS license. 00. 5. By Snappy | Staff Manager 1532 21. Requirements for MLOs. 5%/end for a decade now. MALIBU MANSION ----- Designed with the following software and plugins 3DS MAX (software) PHOTOSHOP (software) CODEWALKER (software) GIMS EVO (3ds max plugin) GTA V MAP HELPER (3ds max plugin) MENYOO (gta v trainer) ----- FEATURES: garage for 6 cars livin groom master bedroom master bathroom + wellness master closet bedrooms 3 bathrooms 5 mini mcdonalds recording studio with booth kitchen. However, the combination of a social media-related pitch, a high. Honestly i'm fighting with them since i released this mod. Take pre-licensure education (PE) Pass the SAFE MLO test. I've been doing well so far and haven't had a month below 1MM, besides one month. Date Created: 06/04/2013Song: Be SomebodyArtist: Thousand Foot KrutchBe Somebody by Thousand Foot Krutch, sound recording administered by:-PIAS -Kontor New. Videos are not mon. #mortgage #loan #finance #investing #mlo. Complete a criminal background check. The majority of MLOs (24%) make between $81,500 and $102,499. this is a very important and healthy goal to have always make sure. thaliana 21 and reduced plant size. To Love Somebody · Bee GeesBee Gees' 1st℗ 1967 Barry Gibb, The Estate of Robin Gibb and Yvonne Gibb, under exclusive license to Capitol Music GroupReleased o. AndreIakko October 23, 2021, 6:39pm 1. 1. Enter your login credentials used for signup with MLO Cloud Sync (. Dakotah is a mortgage loan originator (MLO) who must comply with the requirements of the S. As many circuit breakers as an MCB can support may be installed. The minimum education requirement to become a loan officer in Florida is a high school diploma. If you are looking into working for a smaller financial institution or mortgage lender, you often need to be at least 18 years old and have a high school diploma. Jeff Spicoli on Loans! . Name, home and business addresses, date and place of birth. This means that you have approximately a minute and a half to answer every question on the exam. Our review: Parents say Not yet rated Add your rating. Your earnings can vary based on your education, experience, location. Definitely not a side hustle. . According to FannieMae, the majority of lenders reported that remote work led to better productivity and lower operating costs. ymap to the Stream folder that should be located in your Map folder, and that folder shall need to be up on your. (2) A person not exempt under HRS § 454F-2 who employs or uses the exclusive services of one or more MLOs licensed or required to be licensed under Chapter 454F. A mortgage loan originator (MLO) is employed by a lender to help borrowers move through the mortgage application process. An MLO may also be referred to as a loan officer, as the point person who processes the mortgage application. Take 20 hours of prelicensure education courses approved by NMLS. That means you should expect some fluctuation and a slower start in the beginning, but it also means. ”. Introduction. 05M subscribers 580K views 4 years ago 🚨 SUBSCRIBE: 📰 VISIT:. Be Somebody (Official Video) - Mitch JamesMade with support of NZ On AirAdd ‘Be Somebody’ to your playlist here: Som. Study with Quizlet and memorize flashcards containing terms like Licensing requirement, When to be considered as MLO, License Revocation and Criminal History Impact MLO Licensing Status and more. Shaikh calls people who use the BeSomebody app “passionaries. Mortgage Loan Originator. A. The MLO exam contains 120 multiple-choice questions, five of which are unscored, and you will be given a time limit of 190 minutes. Sale! Mission Row Police Department MLO V5 $ 65. Visit the NMLS online registration portal to request an NMLS account. 5%) above the $71,363. . The job description of an MLO includes: Relationship development with realtors, builders, and bankers to ensure both adequate inflow of leads of loan applicants and a smooth process for clients. #シンガーソングライター #Kenshin くんご本人 のTwitter・Instagram・You Tube・ツイキャス・Online Store はコチラになります⬇️【Twitter】→. In this paper, we investigate the potential latency benefits of MLO by using a large. Also referred to as Mortgage Loan Originators, MLOs represent independent mortgage brokerages who are. Děláme konzultace o programování a používání C#, C++, JAVA, SQL, PHP, CSS, HTML, XML a dalších jazyků, dále školení na počítačový software, ať už jde o kancelářský balíček Office. Take the MLO test. Consumers say: Fraudulent, They are a scam. MLO genes have been intensively studied in some plant species. MLCO: Regulation 21 (1) states: "Where appropriate with regard to the size and nature of its business, a relevant person must— appoint one individual who is a member of the board of directors (or if there is no board, of its equivalent management. There is no application for Temporary Authority and there is no Temporary Authority License. What is the deadline to submit a MLO renewal request? Renewal requests can be submitted electronicallythrough NMLS on or before 11:59 pm December 31: st (Eastern Standard Time). ago. 1. M Lo - Be Somebody | OFFICIAL AUDIO | £R | @mlo_killyPlease like and share this video and my other videos for more good content. All of them -. This is required because under the NMLS program, every individual MLO must be linked to, or “sponsored” by a company. , originated loans from a source in. Please allow me to return & apply credit to buying another pair. Entrepreneur Kash Shaikh deeply believed in the value his business offered, seeking out $1 million for a 10% stake in Besomebody. Everything drawn from the web. Log In. sp. 3. Kim Sum ( Kang Hae-Lim) is a developer for social connecting app "Somebody. We’ve identified six states where the typical salary for a Mlo job is above the national average. The quality of the loan originator's loan files (e. On purpose so it reminds somebody not to use it while interrogations. Hello I come here because I have an issue with a custom interior [MLO]. Select one of the following categories to start browsing the latest GTA 5 PC mods:Step #3: Complete the Required Pre-Licensure Education. Code) allows for certain exemptions from licensing by the Department of Financial Protection and Innovation (DFPI) as a Mortgage Loan Originator (MLO). MLO can parse or interpret the text you enter in Inbox on mobile and in some text input fields on Windows. com. What CE requirements will I have after my MLO or AIP-MLO license is approved? Approved continuing education courses can be found on the NMLS Resource Center. Pass NMLS mortgage licensing exam. Wi-Fi 7 is already in the making, and Multi-Link Operation (MLO) is one of the main features proposed in its correspondent IEEE 802. Addon Melee Weapon Pack V1 $ 15. 11be amendment. sp. Besides legacy Wi-Fi Single-Link Operation (SLO), we study the two MLO channel access modes currently under consideration by the IEEE 802. Note: An MLO is automatically be added to the Company MLO Surety Bond once a sponsorship request is accepted in NMLS. A person seeking to become a mortgage loan originator (MLO) must be at least 18 years old. Standard Projections: MLO and CC Mammograms are displayed in conventional manner paired (to permit bilateral comparison) MLO followed by CC with patients right breast on the left side of the screen and left breast on the right side of the screen. Join the Bee Gees on Facebook - Twitter - - the album. This should include: 2 hours of Non-Traditional Mortgage Lending. everything works except for the poles i have the gabz MLO but when i third eye the poles. In conclusion. or. Starring: Kim Young-kwang, Kang Hae-lim, Kim Yong-ji. First, you're going to meet with a loan officer. The bill distinguishes a 1099 MLO from a W2 and allows them to be treated in a manner consistent with every other industry. I’ve seen a lot of people say it isn’t possible. If you want to add mlo as an extra, you can add it. The trio were successful for most of t. 13%) of the reports of mortgage loan fraud filed from January 1, 2003 to March 31, 2006. While there are no professional experience requirements, many prospective mortgage loan originators find it beneficial to have a bachelor's degree in business or finance and some experience working within the mortgage, sales, or finance. The hashtag #besomebody and the blog grew and now reaches nearly 5 million people in 180 countries. With the suggestions of other people, me and our dev team have managed to create real-life London stores and a collection of vehicles in GTA V. English. 1,2,3 Learn with flashcards, games, and more — for free. 8“. -Mischaracterizing the value. Nestey Home Loans has revolutionized the Split between Brokers and MLO's. The introduction of MLO is a breaking point for Wi-Fi, as its adoption represents a paradigm shift towards multi-link communications. The candidate should already be an Anti-cosmic/Chaos Gnostic Satanist and a practicing black magician, ready to dedicate his/her entire. Step 2: List the courses you completed toward this MLO. 4). The film stars Vine blogger Matthew Espinosa as Jordan Jaye, a pop star who disappears from his own tour to escape his demanding mother. If you’re going to be a commission based MLO, then you too might go a while without a check. Lyrics for I'm Gonna Be Somebody by Jack Mack & The Heart Attack. Fulton Lee - Be Somebody (Official Music Video)Follow Fulton on: Instagram:. » This song expresses how everyone wants to be somebody and make something of their lives. (a) General fitness and prior compliance actions. P. They may also be referred to as a loan officer. Band Steering/Load Balancing : It helps to mitigate congestion on one link. Several podcasts, a bunch of videos filmed by a 9 year old, and one a giant billboard later, The MLO BROS are becoming the fastest growing, most “uninteresting podcast”, on all of the internet. B. [3] It premiered on Netflix on November 18, 2022. When a software developer creates a dating app that a serial killer uses to find his next targets, she’s drawn into a dark world of romance and murder. MLOC (Mortgage Loan Originator Company) means: (1) An individual not exempt under HRS § 454F-2 who engages in the business of an MLO as a sole proprietorship; or. The NMLS Unique Identifier (“NMLS ID”) improves supervision and transparency in the residential mortgage markets by providing regulators, the industry and the public with a tool that tracks companies and individuals across state lines and over time. Figure 1 exemplifies SLO, MLO-STR, and MLO-NSTR oper-ations. MALIBU MANSION ----- Designed with the following software and plugins 3DS MAX (software) PHOTOSHOP (software) CODEWALKER (software) GIMS EVO (3ds max plugin) GTA V MAP HELPER (3ds max plugin) MENYOO (gta v trainer) ----- FEATURES: garage for 6 cars livin groom master bedroom master bathroom + wellness master closet bedrooms. The Chainsmokers - Somebody (Lyrics) ft. What is Mortgage Loan Originator (MLO)? expand. Currently included: London Underground S8 Stock Metropolitan Line, Great Western Railway Class 166(WIP) Great Western Railway Depot(WIP), Harrow Bus. MLO stands for “multilobular osteochondrosarcoma”. Create a folder in your resource folder and drag the 3. The Application Process. I truely love this mlo and would definetly recommend for everyone and just some ideas from my pov, you need to make some bathrooms, a meeting room, ramp for the toreador and stromberg at the submersible entrance, armory and panic room. wheelchair modified so that the arms end on the wheels. Authorize background checks. Mlo Exam has 15 reviews (average rating 1. This fee covers the annual expenses of supporting the two-factor authentication process. Here are the steps you can follow to be an MLO: 1. Originally it was a cut-scene interior so there were things to be done so it could land as a regular project. original source: Wheelchair [Add-On] - GTA5-Mods. Desktop version of MLO is superior to Calengoo's. The steps to getting your NMLS license in CA include the following: Apply for NMLS account and ID number. Free Tropical Villa MLO. Here are the details…. Complete the Individual Form (MU4) Associate your NMLS account with an employer. Annually, prior to the renewal of the MLO or AIP-MLO license, you must take 8 hours CE. Mortgage loan originators must be at least 18 years old. Package Description. 2022 | Maturity Rating: TV-MA | 1 Season | Thrillers. Any change in employment will require the MLO to terminate their relationship with one employer/sponsor in order to establish a sponsorship with a new employer. Is very cheap and easy to setup and make sure to visit. In the busy life of an MLO, the opportunity to work remotely can offer you the ability to focus on growing your business and even integrate some work-life balance. . Besomebody founder, Kash Shaikh, entered a room full of hungry sharks back in 2016 during the show’s eighth season asking for $1 million for 10% of his social media app. Uploading modified files of this modification is allowed only with credits and on gta5-mods. 00. My aim is to eventually do a full map overhaul to replace it with British textures and give it a London look. Loan Officer Compensation Based on Referral Sources. All legal complaints about vag. The MLO license is a license that is separate from the broker and lender licenses issued by the Georgia Department of Banking and Finance. gg will be examined by us within the framework of the relevant laws and regulations, within 3 (three) days at the latest, after reaching us via our contact link, necessary actions will be taken. The film stars Yin Zheng, Deng Jiajia, Yu Entai, Yang Haoyu, Zhang Benyu, and Ke Da. I was looking for the place for this in Los Santos since it is a nice interior. ago. Standard views are bilateral craniocaudal (CC) and mediolateral oblique (MLO) views, which comprise routine screening mammography. hordei (Kim et al. All new applicants applying on or after 7/31/10, for a license must pass the National and State Component of the SAFE MLO Test prior to submitting their application. 00 $ 17. How to Become an MLO in South Carolina – The 6 Steps to Complete. The NMLS test is comprised of 120 questions, of which 115 are scored questions, that the test-taker has 190 minutes to complete. It operates in one of the three modes viz. Home address, contact information, sexual preference. Subscribe for more music from Thousand Foot Krutch: T. Bureau of Labor Statistics (BLS) reports the 2015 median annual salary of loan officers was $63,430 — or more than $30 per hour — on a national level. 10,000 […]Will Multi-Link Operation (MLO) be able to improve the latency of Wi-Fi networks? MLO is one of the most disruptive MAC-layer techniques included in the IEEE 802. most recent purchase. Read on for an explanation of the different MLO licensing schemes available in California, and the steps you take to obtain and maintain your MLO license or endorsement. They might walk on you now. What would be grounds for denying a license? Convicted for breach of trust within prior 15 years. Somebody Lyrics: Every time I wake up next to you, I talk to God / And I'm so damn grateful 'cause you make up for the things I'm not / Didn't know I needed nothin' 'til I needed you ('Til I neededIn this conversation. An MLO can be a lending company, mortgage broker or loan. "MLO" is the second-stage bootloader. Federal Registration Requirements for MLOs. They say that in 2020, the average MLO earned $63,960, which breaks down to $30. graminis f. Submit your MLO application. " Even though she has difficulty communicating with other people, she is friends with Im Mok-Won ( Kim Yong-Ji) and Yeong Gi-Eun ( Kim Soo-Yeon ). 00 out of 5 based on 93 customer ratings (93 customer reviews)coffee, auto show, festival | 1. Federally chartered or insured institutions and their mortgage loan originators (MLOs) must be registered in NMLS. Reasons for Choosing MyLifeOrganized (MLO): interoperability across operating systems, polish of user interface, depth of feature set. this is a first version, I’m adjusting the position of the feet. Much better work-life balance being an MLO in my opinion. Until i'll find a solution i recommend using one of the back doors. . The 20 hours of mandatory coursework include: 2 hours of lending training for non-traditional mortgage market situations. Under the SAFE Act, a Mortgage Loan Originator (MLO) must be registered with the Nationwide Mortgage Licensing System and Registry. -Trying to influence, coerce or threaten appraiser. MLO will allow devices to coordinate multiple radio interfaces to access separate channels through a single association, aiming for improved throughput, network delay, and overall spectrum reuse. Somebody. To be sponsored, an MLO must be a W-2 employee. Home; NMLS Course. The test evaluates candidates on their knowledge of state and federal mortgage lending law. By March 1st of each year, you must determine your required bond amount and provide DFI with proof. Here are the steps to become a mortgage loan officer in Missouri: Request an NMLS account. Schedule Weekday - Tues/Wed/Thur 9:00am-5:00pm. The rules have been updated to consider MLOs holding licenses in multiple jurisdictions, reconcile with NMLS. The typical use cases of 802. We strive to create custom, full-featured, and unique construction to provide you the quality, and products that you deserve. [1] The company was founded in 2014 in Austin, Texas by Kash Shaikh, a former Procter & Gamble and GoPro employee who had previously used the name for his blog. ⭐My Website: MLO can begin accepting mortgage loan applications once they are licensed by the OCOB and employed (sponsored) by a company licensed in North Carolina. SLO follows default Wi-Fi operations, where packets are sequentially transmitted. Complete background checks and pay all fees. . You'll be somebody. com. was enacted on July 30, 2008, and requires individuals who engage in the business of a residential mortgage loan originator (MLO) to be either state-licensed or federally-registered as MLOs. . 1 – Not more crashes on Single Player. In the last 2-3 years, I’d guess. Official audio for "Be Something" by Polo G featuring Lil Baby. Figure 6 shows the increasing incidence of identity theft in conjunction with mortgage loan fraud in the SARs reviewed for this study. Undergo a state and criminal background check. Complete pre-licensure education. Honolulu, HI 96805. According to Zippia, 61 percent of loan. Box 2054. gov. . Flashlight turns on - yes it does. Welcome to the official Lucid City RP store. Pass the SAFE MLO test. What is an MLO? MLO is simply an acronym for Mortgage Loan Officer. An MLO has two jobs; the first is to persuade you that their lending prowess is your best. That is, unless there is a contraindication, screening mammograms consist of these 4 views. Provided to YouTube by Universal Music GroupTo Love Somebody · Bee GeesBee Gees' 1st℗ 1967 Barry Gibb, The Estate of Robin Gibb and Yvonne Gibb, under exclus. Besomebody, Inc. The ressource who don’t want to load is “comico”. . It is also sometimes called multilobular osteochondroma, or multilobular tumor of bone. Certain states also require that mortgage loan officers complete state-specific education. CFLL or CRMLA in order to maintain a license in an active status. And propably others, but this had to be relased already. In this paper, we. . If the portion of the commission for the MLO is 80%, they will. OR. 0. The SAFE Act requires background checks, credit reports, and more. hordei entryFeatures. . for your FiveM servers. Branch (MU3) form must filed electronically through NMLS to perform MLO activities at an address other than the main office address listed on the Company (MU1) filing. MLO or by any agent of such lender, mortgage broker, or other MLO, and meets the MLO definition; or • An individual or entity solely involved in extensions of credit related to timeshare plans, as that term is defined in 11 USC Section 101(53D). , as well. Their lineup consisted of brothers Barry, Robin, and Maurice Gibb. MyLifeOrganized (MLO) is the most flexible and powerful task management software for getting your to-dos finally done. Halloween is around the corner, and this construction site is the perfect place to kickstart your Halloween adventure!About Press Copyright Contact us Creators Advertise Developers Terms Privacy Press Copyright Contact us Creators Advertise Developers Terms PrivacyPass the MLO licensing exam; Find a sponsoring company; Apply for your MLO license; Let’s walk you through the steps one by one. Key message MLOs in Plant Reproduction. But for me it has been. Welcome to Dons Modifications. com. See examples of SOMEBODY used in a sentence. Barone. Her friend Yeong Gi-Eun works as a detective. Create new account. com. Social security number, gender, blood type, siblings' names. DRE reviews the renewal requests in date received order;Before getting the license to become an MLO, there are required educational courses. e.