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Best Transactional & OTP SMS Provider | SMS API | SMSCountry

SMSCountry lets you send Transactional SMS to users, including OTP SMS, Booking Alerts, Informational, and order alerts to numbers in your contact list within seconds at the best prices. We have great routes to India, UAE, Qatar, Bahrain, Japan, Russia, Australia, Israel and many other countries.

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UV Conveyor System for Powerful Curing
UV curing as technology has gotten advanced in the present times. There are many different types of machines used for UV curing in relevant industries. The UV conveyor system is a commonly used system for the purpose of UV curing. All the UV curing requirements can be fulfilled through a UV conveyor system in labs, R&D or full-scale production.
The Beginner's Guide to Website Development| Helpful Insight
Site advancement for any business is basic to stay aware of the opposition. Both on-the-web and disconnected businesses have understood the significance of a web presence and the force of the web for advertising and business advancement. Web development refers to all of the work that goes into creating a website. Everything from markup and coding to scripting, and network configuration. Source: http://bit.ly/3z0qfgT
Unmasking Forex Scammers: Step-by-Step Guide to Reporting and Stopping Them in Their Tracks
Forex, short for foreign exchange, is the largest financial market in the world, with an average daily trading volume of over $5 trillion. It's no surprise that this massive industry attracts many scammers looking to make a quick buck off unsuspecting traders. Forex scams come in many forms, from fake trading platforms to Ponzi schemes promising high returns with no risk. These scammers prey on people's desire to make money quickly and easily, and unfortunately, many fall victim to their tactics. However, there are steps you can take to protect yourself and stop these scammers in their tracks. In this article, we'll walk you through the process of reporting forex scams and taking legal action against them. Step 1: Recognize the Signs of a Forex Scam The first step in stopping forex scammers is to recognize the signs of a scam. Here are some common red flags to watch out for: · Promises of guaranteed returns: No legitimate forex broker or trader can guarantee returns. If someone is promising you high returns with no risk, it's likely a scam. · Lack of transparency: Legitimate brokers and traders will be transparent about their trading strategies and fees. If someone is being evasive or vague, it's a sign that they're hiding something. · Pressure to invest quickly: Scammers often use high-pressure tactics to get people to invest quickly without taking the time to research or think it through. · Unrealistic profits: If someone is promising returns that seem too good to be true, they probably are. Forex trading carries risk, and no one can predict the market with 100% accuracy. · Unregulated brokers: Always make sure you're dealing with a regulated broker. Regulated brokers are required to follow certain rules and regulations to protect their clients. Step 2: Report the Scam to the Relevant Authorities If you believe you've been a victim of a forex scam, the first thing you should do is report it to the relevant authorities. Here are some organizations you can contact: · The Commodity Futures Trading Commission (CFTC): The CFTC is a US government agency that regulates commodity and futures markets, including forex trading. You can file a complaint with them online or by phone. · The National Futures Association (NFA): The NFA is a self-regulatory organization for the futures industry in the US. They have a program for filing complaints against forex brokers and traders. · The Financial Conduct Authority (FCA): The FCA is a UK regulatory body that oversees financial markets, including forex trading. You can report a forex scam to them online. · The Australian Securities and Investments Commission (ASIC): The ASIC is an Australian government agency that regulates financial markets. You can report a forex scam to them online. Step 3: Gather Evidence When reporting a forex scam, it's important to have evidence to support your claims. Here are some things you should gather: · Communications: Save any emails, chat logs, or other communication you've had with the scammer. · Account statements: If you've invested money with the scammer, gather any account statements or transaction records. · Screenshots: Take screenshots of any websites, social media profiles, or other online content related to the scam. · Other documentation: Any other documentation that supports your claims, such as marketing materials or contracts. Step 4: Consult with a Lawyer If you've lost money to a forex scam, you may be able to recover your losses through legal action. Consult with a lawyer who specializes in forex scams to see if you have a case. Your lawyer can help you gather evidence, file a complaint with the relevant authorities, and pursue legal action against the scammer. They can also advise you on the best course of action based on your individual situation. In conclusion, Forex scams are a prevalent problem in the financial world, and it is crucial to identify and report them promptly. By following the step-by-step guide outlined in this article, you can take actionable steps to protect yourself and others from these fraudulent schemes. Remember, reporting suspicious activity is crucial to stopping scammers in their tracks and protecting the integrity of the Forex market. For more information and news on global finance and economics, visit International Releases at https://internationalreleases.com/. Stay informed, stay vigilant, and together we can put a stop to Forex scams.
Jasa Kirim Ekspedisi ke Banda Naira (0816267079)
Jasa Kirim Ekspedisi ke Banda Naira merupakan perusahaan yang bergerak dibidang pengiriman barang dengan tujuan dari dan ke seluruh wilayah Indonesia. Logistik Express memiliki keunggulan pada tarif yang terjangkau serta pengiriman aman sampai alamat tujuan. Di era sekarang ini banyak dibutuhkan jasa pengiriman yang praktis dan dan efisien. Untuk itu Logistik Express hadir sebagai mitra pengiriman barang anda mulai dari paket kecil 30kg, 50kg, dan 100kg sampai hitungan tonase. Melayani pengiriman retail, LCL (Less Container Load), FCL (Full Container Load), dan sewa armada. MACAM MACAM ARMADA PENGIRIMAN 1. Via Udara : pengiriman barang cepat sampai 2. Via Laut : solusi pengiriman hemat 3. Via Darat : kirim barang cepat dan hemat Makin banyak makin murah ? Apanya, tuh ? Ya ongkos kirimnya, lah! Logistik Express Jasa Ekspedisi Ternate dan ke seluruh Indonesia menyediakan pengiriman barang dengan tarif yang murah. Tidak perlu khawatir sebanyak apapun barang kirimanmu, kirim pakai Logistik Express dijamin terjangkau. Mau kirim barang berat ? Atau barangnya ringan tapi makan tempat ? Logistik Express punya solusi, dong! Kantor cabang dan perwakilan yang tersebar di seluruh Indonesia akan semakin memudahkan untuk pengiriman barangmu. Pengiriman cukup di kota bahkan sampai pelosok pun Logistik Express akan siap sedia. Ingat Ongkir Murah, Ingat Logistik Express PEMESANAN LAYANAN CARGO KE BANDA NAIRA LOGISTIK EXPRESS Hubungi Kami Untuk Konsultasi Dan Juga Layanan Kiriman Cargo Customer Service Yuni : 0816267079 Email : yuni.logistikexpress.id@gmail.com Ekspedisi Jakarta Banda Naira, Maluku Tengah Ekspedisi Semarang Banda Naira, Maluku Tengah Ekspedisi Surabaya Banda Naira, Maluku Tengah Ekspedisi Bandung Banda Naira, Maluku Tengah Ekspedisi Tangerang Banda Naira, Maluku Tengah
Jasa Kirim Ekspedisi ke Tanimbar Utara (0816267079)
Jasa Kirim Ekspedisi ke Tanimbar Utara merupakan perusahaan yang bergerak dibidang pengiriman barang dengan tujuan dari dan ke seluruh wilayah Indonesia. Logistik Express memiliki keunggulan pada tarif yang terjangkau serta pengiriman aman sampai alamat tujuan. Di era sekarang ini banyak dibutuhkan jasa pengiriman yang praktis dan dan efisien. Untuk itu Logistik Express hadir sebagai mitra pengiriman barang anda mulai dari paket kecil 30kg, 50kg, dan 100kg sampai hitungan tonase. Melayani pengiriman retail, LCL (Less Container Load), FCL (Full Container Load), dan sewa armada. MACAM MACAM ARMADA PENGIRIMAN 1. Via Udara : pengiriman barang cepat sampai 2. Via Laut : solusi pengiriman hemat 3. Via Darat : kirim barang cepat dan hemat Makin banyak makin murah ? Apanya, tuh ? Ya ongkos kirimnya, lah! Logistik Express Jasa Ekspedisi Ternate dan ke seluruh Indonesia menyediakan pengiriman barang dengan tarif yang murah. Tidak perlu khawatir sebanyak apapun barang kirimanmu, kirim pakai Logistik Express dijamin terjangkau. Mau kirim barang berat ? Atau barangnya ringan tapi makan tempat ? Logistik Express punya solusi, dong! Kantor cabang dan perwakilan yang tersebar di seluruh Indonesia akan semakin memudahkan untuk pengiriman barangmu. Pengiriman cukup di kota bahkan sampai pelosok pun Logistik Express akan siap sedia. Ingat Ongkir Murah, Ingat Logistik Express PEMESANAN LAYANAN CARGO KE TANIMBAR UTARA LOGISTIK EXPRESS Hubungi Kami Untuk Konsultasi Dan Juga Layanan Kiriman Cargo Customer Service Yuni : 0816267079 Email : yuni.logistikexpress.id@gmail.com Ekspedisi Jakarta Tanimbar Utara, Kep.Tanimbar Ekspedisi Semarang Tanimbar Utara, Kep.Tanimbar Ekspedisi Surabaya Tanimbar Utara, Kep.Tanimbar Ekspedisi Bandung Tanimbar Utara, Kep.Tanimbar Ekspedisi Tangerang Tanimbar Utara, Kep.Tanimbar
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6 tips for improving your communication skills
 6 Tips for Improving Your Communication Skills 1. Choose the right words Ho Choosing the right words can do wonders to find exactly what you are trying to say, without creating confusion or misunderstanding. Whether you speak or write, make sure you remember the words you use. Choose expressions that enable the reader or listener to grasp what you mean. Using jargon and technical terms may reflect your knowledge, but if it doesn’t get a point from your audience, then it fails the purpose. Simplicity and brevity often work best when ideas are presented in a logical, effective way. If you have trouble finding the right words to express yourself, there are many tools you can use to help you communicate better. Learning a variety of things, from books to online articles, and watching others speak in various forums and forums, can enhance your understanding of communication in different contexts. There are several online courses offered to help you improve your vocabulary and vocabulary. In the meantime, services like Grammarly are helping you increase your writing impact. 2. Ask Questions Whether you are a professor, workmate, or friend, ask questions to make sure you understand what the person is saying. Don’t read between the lines and take things in stride, as this can lead to bad relationships. Ask for clarification if you are not sure what the other group is saying. By doing this, you are contacting another group you want to know about their opinion. Most likely you have made them willing to explain themselves to you. This also allows you to better define your position. Establishing open and positive communication lines can make your college and career life much smoother. You know that you can reach out when you feel unsure about something, and you know that others can touch you too. Click here for https://lucksharma567.blogspot.com/2021/05/6-tips-for-improving-your-communication.htmlhttps://lucksharma567.blogspot.com/2021/05/6-tips-for-improving-your-communication.html
13 Key Qualities Of A Good Manager For Effective Management
The article explores the essential characteristics that make a great manager. From effective communication skills to the ability to inspire and motivate a team, this post highlights the key traits that can help you succeed in a leadership role. In addition to identifying these critical qualities, the post also provides practical tips and strategies for cultivating them in your own management style. Whether you are an experienced manager or just starting in a leadership role, this post offers valuable insights and actionable advice for anyone looking to become a more effective and successful manager. So, if you want to unlock the secrets of successful management and take your leadership skills to the next level, be sure to check out this must-read blog post from Paavan - your trusted source for professional development and career growth. Download the Paavan App for more such content.
AutoBlog GPT Review- Massive Organic Traffic
Introduction Of AutoBlog GPT Welcome To My Review Blog And This Is AutoBlog GPT Review. AutoBlog GPT is a game-changing tool for bloggers, content creators, and website owners who want to save time and effort while creating high-quality content. This automated content creation software uses cutting-edge AI technology to create unique and relevant articles for your website, which are optimized for search engines. AutoBlog GPT allows you to monetize your content with lucrative offers, enabling you to earn a passive income effortlessly. Its AutoSpinner feature ensures that the content generated by the tool is Google-approved and free from plagiarism. With AutoBlog GPT, you don’t have to worry about writing lengthy blog posts or creating content from scratch. You can set it up in just a few clicks and forget about it. This tool will continuously generate new and relevant content for your website, giving you more time to focus on other essential aspects of your business. Experience massive organic traffic and significant revenue growth with AutoBlog GPT’s unique and high-quality content. Try it out today and take your blog or website to the next level! Overview Of AutoBlog GPT Product: AutoBlog GPT Author: SandersAccount Niche: Software Category: Marketing Price: $16.9 Official Website: Click Here What Is AutoBlog GPT AutoBlog GPT is a unique and innovative cloud-based Autoblog GPT builder that enables users to access it anytime, anywhere. Its high-quality content effortlessly passes any AI content-detection tool, making it comparable to 100% human-generated content. With AutoBlog GPT’s unique content, ranking on Google’s first page for profitable keywords becomes easy, attracting more organic traffic and potential for repeated profits. AutoBlog GPT’s cloud offers all-in-one features, including hosting, domain branding, and built-in traffic generation for social media engagement. 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How You Can Attract Wealth Utilizing The Law Of The Universe
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Jasa Kirim Ekspedisi ke Kisar Utara (0816267079)
Jasa Kirim Ekspedisi ke Kisar Utara merupakan perusahaan yang bergerak dibidang pengiriman barang dengan tujuan dari dan ke seluruh wilayah Indonesia. Logistik Express memiliki keunggulan pada tarif yang terjangkau serta pengiriman aman sampai alamat tujuan. Di era sekarang ini banyak dibutuhkan jasa pengiriman yang praktis dan dan efisien. Untuk itu Logistik Express hadir sebagai mitra pengiriman barang anda mulai dari paket kecil 30kg, 50kg, dan 100kg sampai hitungan tonase. Melayani pengiriman retail, LCL (Less Container Load), FCL (Full Container Load), dan sewa armada. MACAM MACAM ARMADA PENGIRIMAN 1. Via Udara : pengiriman barang cepat sampai 2. Via Laut : solusi pengiriman hemat 3. Via Darat : kirim barang cepat dan hemat Makin banyak makin murah ? Apanya, tuh ? Ya ongkos kirimnya, lah! Logistik Express Jasa Ekspedisi Ternate dan ke seluruh Indonesia menyediakan pengiriman barang dengan tarif yang murah. Tidak perlu khawatir sebanyak apapun barang kirimanmu, kirim pakai Logistik Express dijamin terjangkau. Mau kirim barang berat ? Atau barangnya ringan tapi makan tempat ? Logistik Express punya solusi, dong! Kantor cabang dan perwakilan yang tersebar di seluruh Indonesia akan semakin memudahkan untuk pengiriman barangmu. Pengiriman cukup di kota bahkan sampai pelosok pun Logistik Express akan siap sedia. Ingat Ongkir Murah, Ingat Logistik Express PEMESANAN LAYANAN CARGO KE KISAR UTARA LOGISTIK EXPRESS Hubungi Kami Untuk Konsultasi Dan Juga Layanan Kiriman Cargo Customer Service Yuni : 0816267079 Email : yuni.logistikexpress.id@gmail.com Ekspedisi Jakarta Kisar Utara, Maluku Barat Daya Ekspedisi Semarang Kisar Utara, Maluku Barat Daya Ekspedisi Surabaya Kisar Utara, Maluku Barat Daya Ekspedisi Bandung Kisar Utara, Maluku Barat Daya Ekspedisi Tangerang Kisar Utara, Maluku Barat Daya
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ChatSansar.com is a free social chat website. Chat Sansar is an online public chat room with a voice and video feature. Meet random strangers every day and make friends. ChatSansar app is also available on Google Play Store. Free chat now ChatSansar has chat rooms based on countries: Nepal chat India chat Pakistan chat
How do I increase my communication skills in one week?
We will provide you tips to increase your communication skills below. Through which you can improve your communication skills. So let's know those 8 ways by which you will be able to improve Communication Skills. To learn good communication skills, you have to make some changes inside yourself, which help you to further develop your personality. In various ways to improve communication skills, you will be able to know what we have to make a habit, and which one to leave. With effective communication skills, you can achieve success in your life. It helps in increasing its business from getting a good job today. Through this, you can implement at all levels from the senior management level to the lowest staff. If you do a business, or you do some kind of service sale, then you need to use your communication skills. Improve body language In communication skills, first you have to pay attention to your body language. This is the most important aspect of communication skills. When you talk to someone, he is greatly influenced by your body, so you have to pay special attention to your body lenguage. When you are speaking something, your body language should also react in the same way. This has a profound effect on the listener. This is your first impression of communicating with someone. There are many types of things in body language that you have to correct. Listen carefully to others We all give great importance to our talk and want to listen to people, but we do not listen to their words so carefully. To create a better personality, we must listen carefully to what others say. Because speaking is necessary for better communication, it is also necessary to listen. If we want to answer their words correctly, then we must first listen to their words. Practice speaking To make Communication Skills strong, you need to be a good speaker. Read any topic carefully, and understand it only then you can speak about it. If you are hesitant to speak, practice speaking alone so that you will be able to speak well in front of others. Do daily practice on different topics. To speak, choose a topic in which you have good practice. Be confident It is very important to have confidence, a person who lacks confidence can never succeed. When you put your point in front of someone, it is important to show confidence in things. You can get this confidence only when you have confidence in you. If you look confident, then you can prove your point among people. Keep eye contact better If you want to improve your communication skills, then you have to keep the eye contact right. Eye contact means when you are talking to someone, you have to talk in their eyes, you can give them confidence in their talk. This is the best way to talk. If you look in the eyes and talk, then it also increases your Confidence and the person in front is also interested in listening to you. When you are taking a meeting, you have to look at everyone and talk. Understand the mindset of the logo Whenever we talk to someone, you should know that the person in front is able to understand your words properly or not. Sometimes we start keeping our words, but the person in front does not understand anything. Mindset means what the listener wants, how much he is able to understand what you are saying, if you are not talking to him what he does not want to hear. You should keep all such things in mind. If you cannot understand people's mindsets, then you cannot develop successful communication. It plays an important role in improving the skill. Increase your knowledge To improve your personality, you must have good knowledge in all subjects. For this, you read the Daily Newspaper, read the books, keep updating yourself constantly. Keep a complete knowledge of what is going on at the moment. Watch good films and read Knowledge Base Blogs. If you have good knowledge, you will be able to talk well to everyone and people will start liking you more. Knowledge helps you improve your communication skills as well as personality. Do not forget to give complement We all like our compliments very much. There will be no one who does not want to listen to his praise, that's why we should also praise others. If someone does a good job, or tells someone a good thing, then do not forget to complain to him. It is necessary for Better Communication that someone's voice quality or Dressing Sense is good, then also give him a supplement. So that the person in front will take interest in your things. There is some quality in all of us. Just you praise the same quality, do not give false praise to anyone, it makes a wrong impression for you. Negative talk works your confidence level. Avoid Negativity and Talk Positively, if you are talking to someone, then you should not think negative things. This is your communication skills more read
Nbt bank online Banks in Indonesia
Nbt bank online Banks in Indonesia Despite the many closures at the beginning of 1997, there are currently approximately one hundred thirty-one banks in Indonesia. Originally, there were more than two hundred banks in the country, a number largely attributable to the fact that opening a bank in Indonesia required the lowest initial investment in all of South East Asia. However, since the Asian financial crisis of 1997, many banks in Indonesia have been closed and sold, including the Bank Permata on September 5, 2006, which sold the residual 26 percent of its eight largest banks by assets. The country's central bank believes that the number of banks in Indonesia is still too high, and is particularly interested in consolidating the larger ones despite the numerous closures. Bank Mandiri, Bank Central Asia, Bank Negara, and Bank Rakyat are the four major banks in Indonesia that have qualified as regional contenders. Bank Mandiri This bank is the greatest bank in Indonesia in terms of assets, deposits, and loans. As of 2005, it has approximately 250 trillion in assets, a Capital Adequacy Ratio of 23%, a Return on Equity of 10.5%, and a Return on Asset of 1.6%. As of March 2005, Bank Mandiri has 829 branches across three distinct time zones in Indonesia, in addition to six branches outside the country. Additionally, the bank has approximately two thousand five hundred ATMs. Bank Central Asia This Indonesian bank was founded on the 21st of February in 1957; it was not immune to the massive impact that the Asian monetary crisis had in 1997, particularly on its financial flows, which threatened the bank's very survival. The bank sought aid from the Indonesian government, and in 1998 the Indonesian Banking Restructuring Agency assumed control of the institution. In the same year, the bank fully recovered and third-party funds were restored to their pre-crisis levels. After that, Bank Central Asia took a significant step by going public. Bank Rakyat This is one of the largest banks in Indonesia, specializing in microfinance and small scale borrowing and lending to its more than four thousand branches, rural service depots, and units and its thirty million retail customers. It is currently possessed by the government to the extent of 70%. To encourage bank mergers, the Indonesian central bank has phased in more precise capital requirements by 2010 and prohibited anyone from holding a controlling stake of more than 25 percent in more than one bank. Also susceptible to this policy, the government would be required to either merge or sell some of its controlled banks in Indonesia. Reference: https://dantehhfc34567.blog5.net/58955118/nbt-bank-things-to-know-before-you-buy https://zionrstr02468.fitnell.com/57881370/5-simple-statements-about-nbt-bank-explained https://waylonomkg57899.ezblogz.com/48835285/nbt-bank-an-overview https://marcoggfd46790.ampblogs.com/details-fiction-and-nbt-bank-53929144 https://zionhijh68024.ampedpages.com/an-unbiased-view-of-nbt-bank-45379968
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Nbt Bank Login Bank Rate Mortgages
Nbt bank login Bank Rate Mortgages Why are there differences in the interest rates that banks offer for mortgages? What factors contribute to an increase in the interest rates of these mortgages with a bank rate? What factors contribute to a reduction in mortgages with bank rates? When we are put in a financial circumstance that requires us to have a better understanding of bank rate mortgages, these questions run through our heads like a broken record. The solution is not complicated at all. A number of distinct variables, all of which are distinct from one another but are in some way connected to one another, influence the bank rate for mortgages. It probably won't come as a surprise to you that one of these variables that affects the movement of bank rates on mortgages is you, the consumer. The funds used for bank mortgage rates can originate from a wide variety of places. Deposits at banks and brokerages are potential sources of funding for the bank mortgage rate. The majority of the money that is used to set bank mortgage rates comes from investors, who are referred to collectively as "capital markets." The acquisition of debt instruments such as bonds and mortgages with bank rates takes place on these capital markets. The vendors of bank rate mortgages and bonds in these capital markets engage in fierce competition with one another in order to entice investors. This is accomplished by offering their clientele a diverse selection of products, including bonds and mortgages at bank rates, for example. Mortgage products offered by banks typically involve various degrees of risk and potential profit over predetermined time frames. These offerings, on the other hand, go up against competition from other investments that perform in ways that are comparable in certain respects. These include US Treasuries, corporate bonds, international bonds, mortgages with bank rates, as well as other types of mortgages. The bank rate mortgage speculators behave in the same manner as regular customers. That is to say, just like you, they want two things that are in direct opposition to one another: cheap payments on their mortgages with bank rates and high returns on their investments. The expectations of these investors are a substantial factor in the movement of the yields on the markets for mortgages with a bank rate. Because investors essentially have hundreds of different options for where to put their money, the market for mortgages with bank rates is extremely competitive. Those who sell a variety of products, such as mortgages at bank rates, compete with one another for the business of investors. Alterations made to investment strategies can cause both an increase and a decrease in demand for particular products, such as variable-rate mortgages offered by banks. For instance, if there is a decrease in demand for mortgages with bank rates, something needs to be changed in order to entice investors once more. In most cases, this is accomplished by increasing the interest rates charged on mortgages obtained from banks. On the other hand, bank rate mortgages are rarely that straightforward. The speculators are not the only type of customer that market makers for mortgages at bank rates serve. The people who actually purchase the homes are the other side of the coin. When it comes to their financial holdings, these two customers of the bank rate mortgage markets adopt polar opposite positions. The investors are looking for the highest return on their investments that is feasible. On the other hand, homebuyers are looking for the most affordable interest rates feasible for their fixed-rate mortgages from banks. The end outcome is something resembling a game of tug-of-war. Investors' and homeowners' interests shift subtly in response to falling interest rates on bank-rate mortgages, which has a knock-on effect on the housing market as a whole. However, this is all contingent on the trajectory of economic growth, the rate of inflation, consumers' demand for the product in question, and a number of other variables. However, a common consequence of reducing interest rates for mortgages with bank rates is that fewer speculators are interested in purchasing homes. No investor worth his or her salt would ever place a bank rate mortgage with a low interest rate in his or her portfolio. References: https://brooksutso89012.blogzet.com/considerations-to-know-about-nbt-bank-32396612 https://rowanmmjg56789.dbblog.net/48924950/the-definitive-guide-to-nbt-bank https://judahjkjg57801.diowebhost.com/72330720/the-definitive-guide-to-nbt-bank https://zanellkj68012.mybjjblog.com/5-easy-facts-about-nbt-bank-described-31892916 https://messiahlnon80245.affiliatblogger.com/69158116/the-definitive-guide-to-nbt-bank