Mba Scholarship Abroad: How To Get One In 2023

3 ways an MBA scholarship will boost your NFP career Kaplan KBS
3 ways an MBA scholarship will boost your NFP career Kaplan KBS from www.kbs.edu.au

Introduction

If you’re planning to pursue an MBA degree abroad, you might be wondering how to finance your education. MBA programs are expensive, but there are several scholarship opportunities available for international students. In this article, we’ll discuss how to get an MBA scholarship abroad in 2023.

What Is an MBA Scholarship?

An MBA scholarship is a financial aid program that helps students cover the tuition fees and living expenses of an MBA program. Scholarships can be merit-based, need-based, or a combination of both. They are awarded to students who demonstrate academic excellence, leadership potential, and financial need.

Types of MBA Scholarships

There are several types of MBA scholarships available for international students. Some of the most common ones are:

Merit-Based Scholarships

These scholarships are awarded to students who have outstanding academic records and demonstrate leadership potential. Merit-based scholarships can cover the full cost of tuition or a portion of it.

Need-Based Scholarships

These scholarships are awarded to students who demonstrate financial need. They can cover the full cost of tuition or a portion of it, as well as living expenses.

Diversity Scholarships

These scholarships are awarded to students who come from underrepresented backgrounds, such as women, minorities, and students from developing countries.

How to Find MBA Scholarships

To find MBA scholarships, you can start by researching the websites of the universities you’re interested in. Most universities have a section on their website dedicated to scholarships for international students. You can also search for scholarships on scholarship search engines, such as Scholarships.com and Fastweb.com.

How to Apply for MBA Scholarships

To apply for MBA scholarships, you’ll need to submit an application that includes your academic transcripts, letters of recommendation, essays, and a statement of purpose. Some scholarships may also require you to submit a financial aid application.

Important Tips for Getting an MBA Scholarship

To increase your chances of getting an MBA scholarship, follow these tips:

Start Early

Start your scholarship search early to give yourself enough time to research and apply for scholarships.

Apply to Multiple Scholarships

Don’t limit yourself to one scholarship. Apply to as many scholarships as possible to increase your chances of getting one.

Be Specific in Your Application

Tailor your application to the scholarship you’re applying for. Highlight your strengths and achievements that match the scholarship criteria.

Seek Professional Help

Consider seeking professional help to review your application and provide feedback. This can help you identify areas for improvement and increase your chances of getting a scholarship.

Conclusion

Getting an MBA scholarship abroad in 2023 is possible if you start early, apply to multiple scholarships, and tailor your application to the scholarship criteria. With these tips, you can increase your chances of getting the financial aid you need to pursue your MBA abroad.

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Scholarships For Online Mba In 2023

MBA Scholarships and Tuition Funding for Veterans
MBA Scholarships and Tuition Funding for Veterans from collegerecon.com

Introduction

Getting an MBA degree is one of the best ways to advance your career and increase your earning potential. However, the cost of tuition and other expenses can be a significant barrier for many students. Fortunately, there are many scholarships available for students pursuing an online MBA degree in 2023.

Types of Scholarships

Merit-Based Scholarships

Merit-based scholarships are awarded based on academic achievement, such as GPA, test scores, and other factors. Many universities and private organizations offer merit-based scholarships for online MBA students. These scholarships can cover a significant portion of the tuition and other expenses.

Need-Based Scholarships

Need-based scholarships are awarded to students who demonstrate financial need. These scholarships are usually awarded by universities and private organizations. Students must submit their financial information to qualify for need-based scholarships. These scholarships can cover the full cost of tuition and other expenses.

Diversity Scholarships

Diversity scholarships are awarded to students who belong to underrepresented groups in business, such as women, minorities, and LGBTQ+ students. These scholarships are usually awarded by universities and private organizations. Students must demonstrate their commitment to diversity and inclusion to qualify for these scholarships.

How to Apply for Scholarships

Applying for scholarships can be a time-consuming process, but it is worth the effort. Here are some tips for applying for scholarships:

1. Research Scholarships

Start by researching scholarships available for online MBA students. You can search online databases or contact the financial aid office of your chosen university. Make a list of scholarships that you are eligible for.

2. Prepare Your Application

Prepare your application materials, including transcripts, test scores, essays, and letters of recommendation. Make sure to follow all the instructions and submit your application before the deadline.

3. Follow Up

After submitting your application, follow up with the scholarship committee to ensure that they received it. You can also ask for feedback on your application to improve your chances of getting a scholarship.

Conclusion

Getting an online MBA degree can be expensive, but scholarships can help reduce the financial burden. There are many types of scholarships available for online MBA students, including merit-based, need-based, and diversity scholarships. By researching and applying for scholarships, you can achieve your career goals without accumulating too much debt.

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Crm With Email Campaigns: A Comprehensive Guide For 2023

10 Ways CRM Can Help Create Better Email Campaigns (Updated)
10 Ways CRM Can Help Create Better Email Campaigns (Updated) from www.engagebay.com

Introduction

In today’s digital age, customer relationship management (CRM) has become a crucial aspect of every business. It helps you keep track of your customers, their preferences, and their interactions with your business. Email campaigns are an essential part of CRM, and they allow you to engage with your customers and keep them informed about your products and services. In this article, we will discuss how to use CRM with email campaigns effectively.

Understand Your Customers

Before you start sending out email campaigns, it’s essential to understand your customers. You need to know their preferences, interests, and buying habits. CRM software can help you collect and store this information. Once you have this data, you can create targeted email campaigns that are more likely to resonate with your customers.

Segment Your Email List

Segmenting your email list is another crucial aspect of email campaigns. It involves dividing your email list into specific groups based on factors like demographics, interests, and buying behaviors. This allows you to create targeted email campaigns for each group, improving the chances of engagement and conversion.

Create Engaging Email Content

The content of your email campaigns is critical. It should be engaging, informative, and relevant to your customers. Consider using images, videos, and infographics to make your emails more visually appealing. Personalization is also essential, and you can use CRM software to include the customer’s name and other relevant information in the email.

Use Email Automation

Email automation is a powerful tool that can save you time and improve the effectiveness of your email campaigns. With automation, you can set up triggers that automatically send emails based on specific actions or events, such as a customer making a purchase or abandoning their cart. This ensures that your customers receive timely, relevant emails.

Measure Your Results

To determine the effectiveness of your email campaigns, you need to measure your results. CRM software can help you track metrics like open rates, click-through rates, and conversion rates. Use this data to refine your campaigns and improve your results over time.

Integrate Your CRM and Email Marketing Software

Integrating your CRM and email marketing software can provide significant benefits. It allows you to automate your email campaigns based on CRM data, such as customer behavior and preferences. This can save you time and improve the effectiveness of your campaigns.

Personalize Your Emails

Personalization is critical to the success of your email campaigns. Use CRM data to personalize your emails by including the customer’s name and other relevant information. You can also use dynamic content to tailor the email based on the customer’s interests and preferences.

Optimize for Mobile Devices

More and more people are accessing their emails on mobile devices, so it’s essential to optimize your email campaigns for mobile. This means using responsive design that adjusts to different screen sizes and ensuring that your emails load quickly on mobile devices.

Conclusion

CRM with email campaigns is a powerful combination that can help you engage with your customers, build relationships, and drive sales. By understanding your customers, segmenting your email list, creating engaging content, using email automation, measuring your results, integrating your CRM and email marketing software, personalizing your emails, and optimizing for mobile devices, you can create effective email campaigns that deliver results. With these tips, you’ll be well on your way to mastering CRM with email campaigns in 2023.

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Netsuite Oracle Crm: The Ultimate Solution For Your Business Needs

NetSuite Reviews, Pricing & Demo Software Finder
NetSuite Reviews, Pricing & Demo Software Finder from softwarefinder.com

Introduction

In today’s fast-paced business environment, managing customer relationships has become a crucial aspect of any organization’s success. Netsuite Oracle CRM is a powerful tool that can help you streamline your sales and customer service processes, improve collaboration across departments, and ultimately boost your revenue.

What is Netsuite Oracle CRM?

Netsuite Oracle CRM is a cloud-based customer relationship management software that provides a complete suite of tools for managing sales, marketing, customer service, and e-commerce operations. It is designed to help businesses of all sizes streamline their processes, improve efficiency, and drive growth.

Features

Netsuite Oracle CRM offers a wide range of features, including:

– Sales automation: This feature helps you manage your sales pipeline, track leads, and automate sales processes.

– Marketing automation: This feature allows you to create and manage marketing campaigns, track customer behavior, and measure the effectiveness of your campaigns.

– Customer service: This feature provides tools for managing customer inquiries, tracking customer issues, and resolving customer complaints.

– E-commerce: This feature enables you to create and manage your online store, process orders, and track inventory.

Benefits

The benefits of using Netsuite Oracle CRM include:

– Improved collaboration: With all your customer data in one place, your teams can work together more effectively, sharing information and insights to better serve your customers.

– Increased efficiency: By automating manual processes, you can save time and reduce errors, freeing up your team to focus on more strategic tasks.

– Better customer experiences: With a 360-degree view of your customers, you can provide more personalized experiences, anticipate their needs, and build stronger relationships.

– Increased revenue: By streamlining your sales and marketing processes, you can improve your conversion rates and ultimately drive more revenue for your business.

Why choose Netsuite Oracle CRM?

Netsuite Oracle CRM stands out from other CRM solutions for several reasons:

– All-in-one solution: With Netsuite Oracle CRM, you get a complete suite of tools for managing your sales, marketing, customer service, and e-commerce operations. This eliminates the need for multiple software solutions, reducing costs and complexity.

– Customizable: Netsuite Oracle CRM is highly customizable, allowing you to tailor the software to your specific business needs. You can create custom fields, workflows, and reports to help you get the insights you need.

– Scalable: Whether you’re a small business just starting out or a large enterprise with complex needs, Netsuite Oracle CRM can scale to meet your requirements. You can add users, features, and integrations as your business grows.

Conclusion

In today’s competitive business landscape, managing customer relationships is more important than ever. Netsuite Oracle CRM provides a powerful solution for businesses of all sizes to streamline their processes, improve collaboration, and ultimately drive growth. With its all-in-one approach, customization options, and scalability, Netsuite Oracle CRM is the ultimate solution for your business needs.

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Scholarships For Masters Degree In Social Work

Scholarships for undergraduate degree holders within India. MechoMotive
Scholarships for undergraduate degree holders within India. MechoMotive from mechomotive.com

Introduction

Social work is one of the most rewarding and challenging professions. It involves working with people of all ages, backgrounds, and cultures to help them overcome social, economic, and personal challenges. A master’s degree in social work (MSW) is essential for those who want to advance in this field. However, pursuing an MSW can be expensive, making it difficult for many students to afford. Luckily, there are several scholarships available for MSW students.

Types of Scholarships

There are several types of scholarships available for MSW students. Some scholarships are based on financial need, while others are merit-based. Some scholarships are available to students from specific backgrounds, such as minorities or veterans. Others are available to students who plan to work in specific areas of social work, such as child welfare or mental health.

Financial Need-Based Scholarships

Financial need-based scholarships are awarded to students who demonstrate financial need. These scholarships can cover tuition, fees, and other expenses. Examples of financial need-based scholarships include the Federal Pell Grant, the Federal Supplemental Educational Opportunity Grant (FSEOG), and the National Association of Social Workers (NASW) Scholarship.

Merit-Based Scholarships

Merit-based scholarships are awarded to students who demonstrate academic excellence. These scholarships can cover tuition, fees, and other expenses. Examples of merit-based scholarships include the National Merit Scholarship, the Coca-Cola Scholars Foundation Scholarship, and the Gates Millennium Scholars Program.

Minority Scholarships

Minority scholarships are awarded to students from specific ethnic or racial backgrounds. These scholarships can cover tuition, fees, and other expenses. Examples of minority scholarships include the Hispanic Scholarship Fund, the United Negro College Fund, and the Asian & Pacific Islander American Scholarship Fund.

Field of Study Scholarships

Field of study scholarships are awarded to students who plan to work in specific areas of social work. These scholarships can cover tuition, fees, and other expenses. Examples of field of study scholarships include the Child Welfare Scholarship, the Mental Health Scholarship, and the Geriatric Scholarship.

How to Apply for Scholarships

To apply for scholarships, students must first determine which scholarships they are eligible for. They should then gather all the necessary documents, such as transcripts, letters of recommendation, and essays. Students should also pay close attention to deadlines, as some scholarships have early application deadlines. Finally, students should submit their applications as early as possible to increase their chances of receiving a scholarship.

Conclusion

Pursuing a master’s degree in social work can be expensive, but scholarships can help make it more affordable. There are several types of scholarships available, including financial need-based scholarships, merit-based scholarships, minority scholarships, and field of study scholarships. Students who are interested in pursuing an MSW should research scholarship opportunities and apply as early as possible. With the help of scholarships, students can pursue their dreams of helping others through social work.

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Going Abroad For Mba: How To Secure A Scholarship

Studying MBA Abroad Is It Worth? Scholarship Positions 2022 2023
Studying MBA Abroad Is It Worth? Scholarship Positions 2022 2023 from scholarship-positions.com

Introduction

If you’re considering pursuing an MBA abroad, there’s no doubt that you have a lot to think about. From choosing the right program to finding housing and navigating a new culture, there are many factors to consider. One of the biggest concerns for many students is the cost of an MBA program, particularly if you’re looking to study overseas. Fortunately, there are a variety of scholarships available to help offset the cost of your education. In this article, we’ll take a closer look at how to secure a scholarship for your MBA program abroad.

Research Your Options

The first step to securing a scholarship for your MBA program is to research your options. There are many different scholarships available, each with its own eligibility requirements and application process. Some scholarships are offered directly by the schools themselves, while others are sponsored by outside organizations. Take some time to review the scholarship options available to you and determine which ones best fit your needs and qualifications.

Prepare a Strong Application

Once you’ve identified the scholarships you want to apply for, it’s time to start preparing your application. This typically involves gathering transcripts and other academic records, writing essays or personal statements, and getting letters of recommendation. Be sure to carefully review the requirements for each scholarship and tailor your application accordingly. This is your chance to showcase your strengths and convince the scholarship committee that you’re the best candidate for the award.

Network and Build Relationships

Networking can be a powerful tool when it comes to securing a scholarship for your MBA program. Reach out to alumni from your target schools or attend events hosted by organizations that offer scholarships. Building relationships with people who can vouch for your abilities and provide insight into the application process can give you a leg up when it comes time to apply.

Consider Alternative Funding Sources

While scholarships are a great way to offset the cost of your MBA program, they aren’t the only option. Consider alternative funding sources, such as grants, fellowships, and loans. Some schools may offer work-study programs or other forms of financial aid that can help you cover the cost of your education.

Stay Organized and on Top of Deadlines

Applying for scholarships can be a time-consuming process, with multiple deadlines to keep track of. Make sure you stay organized and on top of all application requirements and deadlines. Create a calendar or schedule to help you stay on track and avoid missing any important deadlines.

Be Persistent and Don’t Give Up

Securing a scholarship for your MBA program abroad is a competitive process, and it’s likely that you’ll face rejection at some point. Don’t let this discourage you. Be persistent and continue to apply for scholarships that fit your needs and qualifications. Remember, even one scholarship can make a significant difference in offsetting the cost of your education.

Conclusion

Pursuing an MBA abroad can be a life-changing experience, but it comes with a significant financial investment. Scholarships are a great way to offset the cost of your education and make your dreams of studying overseas a reality. By researching your options, preparing a strong application, networking and building relationships, considering alternative funding sources, staying organized, and being persistent, you can increase your chances of securing a scholarship for your MBA program.

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Telecalling Crm: A Complete Guide For 2023

Telecalling leads integration with odoo CRM Odooindia
Telecalling leads integration with odoo CRM Odooindia from odoo-india.com

The Importance of Telecalling CRM

In the current business landscape, customer relationship management (CRM) has become an essential aspect of any organization. Telecalling CRM, in particular, has proven to be an effective way of managing customer interactions, improving customer satisfaction, and boosting sales. Telecalling CRM allows companies to streamline their communication with customers, personalize their approach, and ensure that no leads fall through the cracks.

The Benefits of Telecalling CRM

Implementing a telecalling CRM system can provide numerous benefits to businesses of all sizes. One of the main advantages is the ability to track and manage customer interactions efficiently. Telecalling CRM software allows businesses to store customer data, track customer interactions, and access customer history, all in one centralized location. Additionally, telecalling CRM systems can help businesses personalize their interactions with customers. By understanding customer preferences and past interactions, businesses can tailor their approach to each individual customer and increase the likelihood of a successful sale.

Features of Telecalling CRM

Telecalling CRM software typically includes features such as call tracking, call recording, call routing, and reporting. These features allow businesses to monitor and analyze their telecalling efforts, identify areas for improvement, and optimize their telecalling strategy.

Choosing the Right Telecalling CRM Software

When selecting a telecalling CRM system, it is important to consider factors such as ease of use, customization options, and integration with other systems. Additionally, it is crucial to choose a provider that offers reliable customer support and ongoing updates to ensure the system remains up-to-date and effective.

Best Practices for Telecalling CRM

To maximize the benefits of telecalling CRM, businesses should follow best practices such as: 1. Prioritizing customer data security and privacy 2. Regularly updating and maintaining customer information 3. Personalizing interactions with customers based on their preferences and past interactions 4. Continuously analyzing and optimizing telecalling strategies

Conclusion

In conclusion, telecalling CRM is a powerful tool for businesses looking to improve their customer relationships and increase sales. By implementing a telecalling CRM system and following best practices, businesses can streamline their telecalling efforts, personalize their approach, and boost their bottom line.

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Call Center Crm: A Comprehensive Guide For 2023

CRM Software for Call Centers Benefits LeadMaster
CRM Software for Call Centers Benefits LeadMaster from www.leadmaster.com

Introduction

In today’s fast-paced business landscape, customer satisfaction has become more important than ever. This is why companies are investing heavily in call center CRM (Customer Relationship Management) software to improve customer experience and build long-lasting relationships with their customers. In this article, we will explore everything you need to know about call center CRM in 2023.

What is Call Center CRM?

Call center CRM is a software solution that allows companies to manage their interactions with customers across multiple channels, including phone, email, chat, and social media. It provides agents with a 360-degree view of the customer by consolidating customer information from various sources into a single database. This helps agents to provide personalized and efficient service to customers, resulting in increased customer satisfaction and loyalty.

Why is Call Center CRM Important?

Call center CRM is important because it helps companies to streamline their customer service operations, reduce response times, and improve customer satisfaction. It also enables them to identify customer needs, preferences, and pain points, allowing them to tailor their products and services accordingly. Additionally, call center CRM helps companies to track and measure their customer service performance, providing valuable insights into areas for improvement.

How Does Call Center CRM Work?

Call center CRM works by integrating with various communication channels and consolidating customer data into a single database. It also provides agents with tools to manage customer interactions and automate routine tasks. Call center CRM solutions typically include features such as call routing, IVR (Interactive Voice Response), call recording, analytics, and reporting.

The Benefits of Call Center CRM

The benefits of call center CRM include improved customer satisfaction, increased agent productivity, reduced response times, and better customer insights. It also helps companies to improve their customer retention rates, reduce churn, and increase revenue by identifying cross-selling and upselling opportunities.

Choosing the Right Call Center CRM Solution

Choosing the right call center CRM solution can be a daunting task, given the numerous options available in the market. Some of the factors to consider when selecting a call center CRM solution include the size of your organization, the complexity of your customer service operations, your budget, and your long-term business goals.

Implementing Call Center CRM

Implementing call center CRM involves several steps, including defining your requirements, selecting the right solution, configuring the system, training your agents, and monitoring and measuring performance. It is essential to involve all stakeholders in the implementation process to ensure a smooth transition and maximize the benefits of the solution.

Best Practices for Call Center CRM

Some of the best practices for call center CRM include providing agents with comprehensive training, setting performance goals, regularly monitoring and measuring performance, and continuously improving the system based on customer feedback. It is also important to integrate call center CRM with other business systems such as marketing automation and sales CRM to create a seamless customer experience across all touchpoints.

The Future of Call Center CRM

The future of call center CRM looks promising, with the advent of new technologies such as AI (Artificial Intelligence) and machine learning. These technologies will enable call center CRM solutions to provide more personalized and proactive customer service, automate routine tasks, and improve decision-making based on real-time data.

Conclusion

In conclusion, call center CRM is a critical component of modern customer service operations. It helps companies to improve customer satisfaction, increase agent productivity, and gain valuable insights into their customers. By choosing the right solution, implementing it effectively, and following best practices, companies can leverage call center CRM to achieve long-term business success.

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Gcu Ccsc Scholarship Requirements In 2023

Government College University (GCU) Lahore Scholarships 2022 AdmissionPK
Government College University (GCU) Lahore Scholarships 2022 AdmissionPK from www.admissionpk.com

Introduction

GCU CCSC (College of Computing and Security) offers various scholarships to help students achieve their academic goals. The scholarships are awarded based on merit, financial need, and other criteria. In this article, we will discuss the requirements for GCU CCSC scholarships in 2023.

GPA Requirements

One of the most important requirements for GCU CCSC scholarships is maintaining a high GPA. Students must have a minimum GPA of 3.0 or higher to be eligible for most scholarships. However, some scholarships require a higher GPA, so it is important to check the specific requirements for each scholarship.

Financial Need Requirements

Another important requirement for GCU CCSC scholarships is financial need. Some scholarships are specifically designed for students who demonstrate financial need. To be considered for these scholarships, students must fill out the Free Application for Federal Student Aid (FAFSA) and demonstrate financial need.

Major Requirements

Most GCU CCSC scholarships are available to students who are majoring in computer science, cybersecurity, or a related field. To be eligible for these scholarships, students must be enrolled in a qualifying major and maintain satisfactory academic progress.

Community Service Requirements

Some GCU CCSC scholarships require students to demonstrate a commitment to community service. This may include volunteering at local organizations, participating in service projects, or other forms of community involvement.

Essay Requirements

For some GCU CCSC scholarships, students may be required to write an essay on a specific topic. The essay may be used to evaluate the student’s writing skills, critical thinking ability, and overall qualifications for the scholarship.

Letters of Recommendation Requirements

Many GCU CCSC scholarships require students to submit letters of recommendation from teachers, mentors, or other professionals. These letters may be used to evaluate the student’s academic performance, character, and potential for success in their chosen field.

Deadline Requirements

It is important to note that all GCU CCSC scholarship applications have a deadline. Students must submit their applications by the specified deadline to be considered for the scholarship. Late applications will not be accepted.

Conclusion

GCU CCSC scholarships are a great way for students to achieve their academic goals and advance in their chosen careers. By meeting the requirements outlined in this article, students can increase their chances of receiving a scholarship and making their dreams a reality.

References:

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What Is Crm System Call Center?

CRM for Call Center Project Code Fibers
CRM for Call Center Project Code Fibers from en.codefibers.pl

CRM or Customer Relationship Management is an essential tool that helps businesses to manage their customer interactions and streamline their operations. A CRM system call center is a software solution designed to help call centers manage their customer interactions and improve their overall customer experience.

Why is CRM System Call Center important?

A CRM system call center is important for several reasons. Firstly, it helps call centers manage their customer interactions more efficiently by providing them with a centralized platform to store all customer data. This means that agents can access customer information quickly and provide better service by understanding the customer’s needs.

Secondly, a CRM system call center helps businesses improve their customer experience by providing customers with personalized and efficient service. By having access to customer data, agents can provide tailored solutions to customer problems, leading to higher satisfaction rates.

Features of CRM System Call Center

CRM system call center comes with a host of features that help businesses manage their customer interactions better. Some of the essential features of a CRM system call center include:

1. Call Routing and Queuing

Call routing and queuing features ensure that customer calls are directed to the right agent, reducing wait times and improving customer satisfaction.

2. Customer Data Management

CRM system call center provides a centralized platform for businesses to store customer data, including their contact information, purchase history, and preferences. This helps agents provide personalized solutions to customer problems.

3. Automated Call Distribution

Automated call distribution features help businesses manage high call volumes by distributing calls evenly among available agents.

4. Call Recording and Monitoring

CRM system call center allows businesses to record and monitor calls, helping them improve their quality of service and train agents better.

Benefits of CRM System Call Center

Implementing a CRM system call center can provide businesses with several benefits, including:

1. Improved Customer Experience

By providing personalized and efficient service, businesses can improve their overall customer experience, leading to higher customer satisfaction rates and retention.

2. Increased Efficiency

By automating call distribution and providing agents with access to customer data, businesses can increase their operational efficiency and reduce costs.

3. Better Data Management

CRM system call center provides businesses with a centralized platform to store customer data, making it easier to manage and analyze customer interactions. This helps businesses make informed decisions and improve their overall performance.

Conclusion

A CRM system call center is an essential tool for businesses looking to improve their customer interactions and streamline their operations. By providing agents with access to customer data and automating call distribution, businesses can provide personalized and efficient service, leading to higher customer satisfaction rates and retention.

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