97 Debit Jobs - Page 4

Process all guest check-ins by confirming reservations, assigning room, and issuing and activating room key. Process all payment types such as room charges, cash, checks, debit, or credit. Process all check-outs including resolving any late and disputed charges. Answer, record, and process all guest calls, messages, requests, questions, or concerns. Coordinate with Housekeeping to track readiness of rooms for check-in. Communicate parking procedures to guests/visitors and dispatch bell staff or valet staff as needed. Supply guests with directions and information regarding property and local areas of interest. Run daily reports (number of arrivals, departures), identify any special requests, and check reports for accuracy. Complete designated cashier and closing reports in the computer system. Cash guests personal checks and travelers checks. Count bank at the beginning and end of shift. Balance and drop receipts according to Accounting specifications. Follow all company safety and security policies and procedures; report accidents, injuries, and unsafe work conditions to manager. Follow all company policies and procedures; ensure uniform and personal appearance are clean and professional; maintain confidentiality of proprietary information; protect company assets. Welcome and acknowledge all guests according to company standards; anticipate and address guests service needs; assist individuals with disabilities; thank guests with genuine appreciation. Speak with others using clear and professional language; answer telephones using appropriate etiquette. Develop and maintain positive working relationships with others. Comply with quality assurance expectations and standards. Stand, sit, or walk for an extended period of time. PREFERRED QUALIFICATIONS Education: High school diploma or G.E.D. equivalent. Related Work Experience: No related work experience. Supervisory Experience: No supervisory experience. License or Certification: None .

Assist staff with expediting problem payments (eg, problems processing credit card). Follow up with guest regarding satisfaction with guest-related issues. Process all guest check-ins by confirming reservations, assigning room, and issuing and activating room key. Process all payment types such as room charges, cash, checks, debit, or credit. Anticipate sold-out situations and obtain satisfactory alternative accommodations when the property cannot accommodate guests with reservations. Process all check-outs including resolving any late and disputed charges. Answer, record, and process all guest calls, messages, requests, questions, or concerns. Coordinate with Housekeeping to track readiness of rooms for check-in. Run daily reports (number of arrivals, departures), identify any special requests, and check reports for accuracy. Cash guests personal checks and travelers checks. Review shift logs/daily memo books and document pertinent information in logbooks. Count bank at the beginning and end of shift. Balance and drop receipts according to Accounting specifications. Assist management in training, motivating, and coaching employees; serve as a role model. Report accidents, injuries, and unsafe work conditions to manager; complete safety training and certifications. Follow all company policies and procedures; ensure uniform and personal appearance are clean and professional; maintain confidentiality of proprietary information. Anticipate and address guests service needs. Speak with others using clear and professional language; prepare and review written documents accurately and completely; answer telephones using appropriate etiquette. Develop and maintain positive working relationships with others. Ensure adherence to quality expectations and standards. Stand, sit, or walk for an extended period of time. Move, lift, carry, push, pull, and place objects weighing less than or equal to 10 pounds without assistance. Perform other reasonable job duties as requested by Supervisors. PREFERRED QUALIFICATIONS Education: High school diploma or G. E. D. equivalent. Related Work Experience: At least 1 year related work experience. Supervisory Experience: No supervisory experience. License or Certification: None At Marriott International, we are dedicated to being an equal opportunity employer, welcoming all and providing access to opportunity. We actively foster an environment where the unique backgrounds of our associates are valued and celebrated. Our greatest strength lies in the rich blend of culture, talent, and experiences of our associates. We are committed to non-discrimination on any protected basis, including disability, veteran status, or other basis protected by applicable law.

POSITION SUMMARY: Perform Media accounts payable functions by verifying and inputting production and in-house invoices into the payable system and following up with local offices and vendors to resolve problems. ESSENTIAL FUNCTIONS: Analyze and review data entry for accuracy Checking remittance addresses Clearing network, cable and syndication invoices in the multiple IPG media systems Clearing print and digital invoices in IPG media systems Communicate with Local Finance / Client Servicing team/ vendors / Publication for missing invoices Communicate with the media buyers to resolve discrepancies or problems Key television, radio, cable, print and/or digital invoices into the IPG Media Systems Process electronic invoices Request and print required system reports Responsible for vendor statement reconciliation File and archive original invoices and supporting documentation Identify over/under billing Process adjustments (i.e., credit/debit memo) Ability to operate Microsoft Office and Adobe Regular and reliable attendance required Responsible for following IPG s Standard Policies and Procedures in the completion of their job duties EDUCATION, SKILLS, AND EXPERIENCE REQUIREMENTS: Graduate 4+ years experience in Accounts Payable Atleast 2 years experience in SAP Experience in Media AP preferred Must have excellent organizational skills Possess excellent computer skills and competency in Microsoft Office Must be flexible and work well under pressure SHIFT SCHEDULE 7.30 p.m. to 4 a.m.

Ready to shape the future of work? At Genpact, we don't just adapt to change we drive it. AI and digital innovation are redefining industries and were leading the charge. Genpact’s AI Gigafactory, our industry-first accelerator, is an example of how were scaling advanced technology solutions to help global enterprises work smarter, grow faster, and transform at scale. From large-scale models to agentic AI, our breakthrough solutions tackle companies most complex challenges. If you thrive in a fast-moving, tech-driven environment, love solving real-world problems, and want to be part of a team that’s shaping the future, this is your moment. Genpact (NYSE: G) is an advanced technology services and solutions company that delivers lasting value for leading enterprises globally. Through our deep business knowledge, operational excellence, and cutting-edge solutions we help companies across industries get ahead and stay ahead. Powered by curiosity, courage, and innovation, our teams implement data, technology, and AI to create tomorrow, today. Inviting applications for the role of P rocess D eveloper , Invoice to Cash Responsibilities Credit control, cash applications, carrier/agency inquiry response management, recording and researching incoming cash receipts, month-close activities Apply customer payments to the correct accounts. Reconcile payments with outstanding invoices. Investigate and resolve any payment discrepancies. Monitor customer accounts for overdue payments. Follow up on customer/internal disputes, customer questions and working between departments to get a resolution. Reconcile orders to match customer books, including validating credits or debits and sending them to customer for collection or refund Serve as the primary point of contact for customer inquiries related to invoices, and payments. Qualifications Minimum qualifications Graduate in Commerce (B. Com) Relevant and meaningful years of experience of working in I2C lifecycle – credit control, cash applications, carrier/agency inquiry response management, recording and researching incoming cash receipts, month-close activities and so on. Demonstrate and cultivate customer focus, collaboration, accountability, initiative, and innovation. Proficient in English language- both written (Email writing) and verbal A strong attention to detail; analytical skills and the ability to multi-task are important Why join Genpact? Be a transformation leader Work at the cutting edge of AI, automation, and digital innovation Make an impact Drive change for global enterprises and solve business challenges that matter Accelerate your career Get hands-on experience, mentorship, and continuous learning opportunities Work with the best Join 140,000+ bold thinkers and problem-solvers who push boundaries every day Thrive in a values-driven culture Our courage, curiosity, and incisiveness - built on a foundation of integrity and inclusion - allow your ideas to fuel progress Come join the tech shapers and growth makers atGenpact and take your career in the only direction that matters: Up Let's build tomorrow together. Genpact is an Equal Opportunity Employer andconsiders applicants for all positions without regard to race, color, religionor belief, sex, age, national origin, citizenship status, marital status,military/veteran status, genetic information, sexual orientation, genderidentity, physical or mental disability or any other characteristic protectedby applicable laws. Genpact is committed to creating a dynamic work environmentthat values respect and integrity, customer focus, and innovation. Furthermore, please do note that Genpact does notcharge fees to process job applications and applicants are not required to payto participate in our hiring process in any other way. Examples of such scamsinclude purchasing a 'starter kit,' paying to apply, or purchasing equipment ortraining

GLOBAL PAYMENTS ASIA-PACIFIC INDIA PRIVATE LIMITED is looking for Intern to join our dynamic team and embark on a rewarding career journey. Learning: Interns are there to learn and gain hands-on experience in a particular field or industry. They may assist with various tasks and projects, shadow experienced professionals, and participate in training sessions. Project Work: Interns often work on specific projects or tasks that align with their educational background and career interests. These projects can vary widely depending on the company and the internship's focus. Supervision: Interns typically report to a supervisor or mentor who provides guidance, sets expectations, and evaluates their performance. Networking: Internships provide opportunities for networking and building relationships within the industry, which can be valuable for future career opportunities. Skill Development: Interns can develop and enhance their skills, including technical, communication, problem-solving, and teamwork skills.

Assist staff with expediting problem payments (e.g., problems processing credit card). Follow up with guest regarding satisfaction with guest-related issues. Process all guest check-ins by confirming reservations, assigning room, and issuing and activating room key. Process all payment types such as room charges, cash, checks, debit, or credit. Set up accurate accounts for each guest upon check-in (i.e., sharewiths, separate room/tax/incidentals, comp). Anticipate sold-out situations and obtain satisfactory alternative accommodations when the property cannot accommodate guests with reservations. Block rooms in the computer and identify designated requirements and requests. Contact appropriate individual or department (e.g., Bellperson, Housekeeping) as necessary to resolve guest call, request, or problem. Coordinate with Housekeeping to track readiness of rooms for check-in. Review shift logs/daily memo books and document pertinent information in logbooks. Count bank at the beginning and end of shift. Balance and drop receipts according to Accounting specifications. Assist management in hiring, training, scheduling, evaluating, counseling, disciplining, motivating and coaching employees; serve as a role model and first point of contact of the Guarantee of Fair Treatment/Open Door Policy process. Report accidents, injuries, and unsafe work conditions to manager; complete safety training and certifications. Follow all company policies and procedures; ensure uniform and personal appearance are clean and professional; maintain confidentiality of proprietary information. Anticipate and address guests service needs. Speak with others using clear and professional language; prepare and review written documents accurately and completely; answer telephones using appropriate etiquette. Develop and maintain positive working relationships with others. Ensure adherence to quality expectations and standards. Stand, sit, or walk for an extended period of time. Move, lift, carry, push, pull, and place objects weighing less than or equal to 10 pounds without assistance. Perform other reasonable job duties as requested. PREFERRED QUALIFICATIONS Education: High school diploma or G.E.D. equivalent. Related Work Experience: At least 1 year of related work experience. Supervisory Experience: No supervisory experience. License or Certification: None .

Lead provided by the company Visit Client offices and close lead Need to Sell Life Insurance to the company assigned customers Cold calling to arrange meetings with potential customers Required Candidate profile Freshers can't apply age between : 21 to 37 Graduation compulsory Experience: Atleast one year in Sales

Ensures complete end to end fulfilment of various Loyalty program tier deliverables such as stationaries, safety kits, trophies etc Designing and curating the kits by engaging with creative agencies Negotiating with vendors to finalize the actual Ensure regular dispatches to locations etc by coordinating with Zonal MIS team Needs to a have a creative bend Key Result Areas / Supporting Actions Create an online redemption & engagement portal It will empower our dealers to avail promised rewards such as vouchers etc It will also help to fulfil all promised tier benefits for dealers with little or no intervention from the TSM as the entire process will be system driven with a centrally located administrator. To Engage the Dealer & his family (spouse & children) To promote our Trips & MICE - create buzz and do a build up to any Trip & Event (photos / videos / photo gallery) Create MICE capability in Birla Opus MICE is an extremely important lever for the Paints business and becomes a key influencing factor for a dealer to foster business with a brand. Over the years, channel partners have become we'll-travelled, and they are used to certain standards. Keeping this in mind, our goal is to provide unique and differentiated experiences for our dealers in an already competitive environment which will motivate them to engage with us in our business. Hence, we would want to build a capability & set standard, processes which will enable us to create a fulfilling and unique experience for our Channel partners Strategic Collaborations & Partnerships within the Group companies Partnering with ABG brands (Fashion wing, Capital, Nowel Jewe'lleries, restaurant etc) and provide exclusive discounts, policies to our channel partners. Exclusive Signature Club / Magnum Club Metal co-branded credit/ debit cards from Aditya Birla Capital for our dealers Manage Channel Loyalty Program Exclusive gifting and awards fully made with ABG products. Coursera collaboration for specific courses for Dealer s children Bundled OTT packages provided to dealers on their registered mobile numbers Amazon Prime, Hotstar etc, local OTT platforms like Hoichoi, Jiocinema etc Partner with various brands such as Mahindra Holidays, MMT or Aditya Birla Quest2Travel Holidays etc and provide them Holiday vouchers which can be bought through points in our engagement portal at good discounts. Fostering Community & network for our channel partners A sense of community and belonging Lead MICE life -cycle Assist in planning, coordinating, and execute MICE, events, on-ground activations such as reward felicitation and channel engagements. Build relationships with MICE operators and event agencies for seamless execution. Manage the entire event lifecycle -planning, recce to final event, from negotiation, budgeting, and vendor management to execution. Ensure all events align with the company s brand image and objectives. Coordination with field team / internal stakeholders for coordination & entire logistics planning for event. Qualifications: Under Graduate

Job description:- - Lead Generation Process - Salary - 12k to 18k + Incentives - Education - HSC /Graduation - Experience and Fresher Both Can apply - Rotational Week Of Process : ICICI lead generation -Convincing customers for credit cards Required Candidate profile Min qualification- HSC Note:- If any one can interested ping me on WhatsApp HR Asiya :- 7796426971 Perks and benefits Incentives and growth opportunities.

Location:- Kapurbavadi junction, Majiwada Thane (w)- 400607 Process:- Kotak Bank Voice Process Qualification :- HSC or Any graduate / Under graduate Work From Office Shifts Timing: - Day Shift Salary:- 10,000 To 23,000 CTC Freshers and experience both can apply Good communication Marathi And Hindi Perks and benefits:- High Incentives and growth opportunities. How to Apply:- To schedule your interview Call or send your CV through WhatsApp (number mentioned below) HR Mangesh :- 7798214006

Assist staff with expediting problem payments (eg, problems processing credit card). Follow up with guest regarding satisfaction with guest-related issues. Process all guest check-ins by confirming reservations, assigning room, and issuing and activating room key. Process all payment types such as room charges, cash, checks, debit, or credit. Anticipate sold-out situations and obtain satisfactory alternative accommodations when the property cannot accommodate guests with reservations. Process all check-outs including resolving any late and disputed charges. Answer, record, and process all guest calls, messages, requests, questions, or concerns. Coordinate with Housekeeping to track readiness of rooms for check-in. Run daily reports (number of arrivals, departures), identify any special requests, and check reports for accuracy. Cash guests personal checks and travelers checks. Review shift logs/daily memo books and document pertinent information in logbooks. Count bank at the beginning and end of shift. Balance and drop receipts according to Accounting specifications. Assist management in training, motivating, and coaching employees; serve as a role model. Report accidents, injuries, and unsafe work conditions to manager; complete safety training and certifications. Follow all company policies and procedures; ensure uniform and personal appearance are clean and professional; maintain confidentiality of proprietary information. Anticipate and address guests service needs. Speak with others using clear and professional language; prepare and review written documents accurately and completely; answer telephones using appropriate etiquette. Develop and maintain positive working relationships with others. Ensure adherence to quality expectations and standards. Stand, sit, or walk for an extended period of time. Move, lift, carry, push, pull, and place objects weighing less than or equal to 10 pounds without assistance. Perform other reasonable job duties as requested by Supervisors. PREFERRED QUALIFICATIONS Education: High school diploma or G. E. D. equivalent. Related Work Experience: At least 1 year related work experience. Supervisory Experience: No supervisory experience. License or Certification: None At Marriott International, we are dedicated to being an equal opportunity employer, welcoming all and providing access to opportunity. We actively foster an environment where the unique backgrounds of our associates are valued and celebrated. Our greatest strength lies in the rich blend of culture, talent, and experiences of our associates. We are committed to non-discrimination on any protected basis, including disability, veteran status, or other basis protected by applicable law.

We are hiring BRM with one of the leading banks in PAN India to Manage Customer walking at the Branch. - To Manage the CASA sales through assigned Bank - Achieve sales Goals - To close the leads provided by the company - Handle the walk-in customer

Skills: Reconciliation/Verification of payments/Invoice. Department: Finance & Accounts. Eligibility: B.com Responsibilities: Bank & Ledger reconciliation. Debit, Credit & Party ledger transaction reconciliation. Review of accounting dimensions & General Ledgers. Handle invoice verification process & payments. Reporting MIS

Skills: Implementations/ERP/AI Tool. Department: Finance & Accounts. Eligibility: CA Intern Requirement : 01 Responsibilities: Verification of payment vouchers & ensuring timely payments as per the TAT. Statutory payment processing, Advance follow-up. Reconciliation od debit, credit, forex and supplies statements Review & Execution of agreements. Review of entries posted by team members & guiding the team.

Candidate should have knowledge about Finacle, Infobip, DDS (direct Debit System) & Digital Banking Ensure successful test case execution maintaining the organizations quality standards Maintain work allocation and reporting structure Maintain document repository of all test results and project level changes Maintain workplace discipline and adhere to organization standards Provide status updates on daily, weekly, monthly basis to test manager and Project Manager Ensure successful test case execution maintaining the organizations quality standards Maintain work allocation and reporting structure Maintain document repository of all test results and project level changes Maintain workplace discipline and adhere to organization standards Design Test Cases/ Scenarios as per requirements Execute the test plan Record defects in Defect Management Tool Update Project Progress Retesting of defects fixed Daily reporting to Onsite / Offshore Test Manager Provide status updates on daily, weekly, monthly basis to test manager

Lead provided by the company Visit Client offices and close lead Need to Sell Life Insurance to the company assigned customers Cold calling to arrange meetings with potential customers Required Candidate profile Freshers can't apply age between : 21 to 37 Graduation compulsory Experience: 1 to 4 Years experience with BFSI Knowledge: Should have understanding of banking products

Hiring Freshers & Experience candidates for Customer Support Role. Language- English + Hindi+ Telugu Graduation and Undergraduate can Apply 6 Days Working days Call Uma 6357012699 for more info . . Required Candidate profile . Candidate should be fluent in English & Hindi Graduation is not Mandatory. Should be comfortable in Work from office. 12-14k For Fresher. 16-18k For experience. Call Uma 6357012699 for more info

Strong understanding of SAP, with comprehensive knowledge of end-to-end P2P Process. Payment process for Domestic, Import, Statutory, Payable analysis/scrutiny. Proficient in P2P (Procure to Pay) processes, including monthly, quarterly, and annual closing and reporting, as well as handling auditor queries. Experience in Different payment process. Skilled in team management and resolving client queries. Excellent interpersonal skills, with the ability to communicate effectively across functions and ensure task completion. Activity List All Credit MSME / PI / Regular Working, Both Debit Credit regular Vendor working Fund Arrangement with Treasury Down payment requests Govt. portal GRAS/ Merchant/ Utility / Water / Gas Payment GST Cancellation vendor payment scrutiny Work Experience 10 To 12 years experience in account and finance. Specifically in Account payable area SAP must Education Graduation in Commerce Competencies Developing Talent Process Excellence Result Orientation Innovation & Creativity Strategic Agility Customer Centricity Collaboration Stakeholder Management

Process all guest check-ins by confirming reservations, assigning room, and issuing and activating room key. Process all payment types such as room charges, cash, checks, debit, or credit. Process all check-outs including resolving any late and disputed charges. Answer, record, and process all guest calls, messages, requests, questions, or concerns. Coordinate with Housekeeping to track readiness of rooms for check-in. Communicate parking procedures to guests/visitors and dispatch bell staff or valet staff as needed. Supply guests with directions and information regarding property and local areas of interest. Run daily reports (number of arrivals, departures), identify any special requests, and check reports for accuracy. Complete designated cashier and closing reports in the computer system. Cash guests personal checks and travelers checks. Count bank at the beginning and end of shift. Balance and drop receipts according to Accounting specifications. Follow all company safety and security policies and procedures; report accidents, injuries, and unsafe work conditions to manager. Follow all company policies and procedures; ensure uniform and personal appearance are clean and professional; maintain confidentiality of proprietary information; protect company assets. Welcome and acknowledge all guests according to company standards; anticipate and address guests service needs; assist individuals with disabilities; thank guests with genuine appreciation. Speak with others using clear and professional language; answer telephones using appropriate etiquette. Develop and maintain positive working relationships with others. Comply with quality assurance expectations and standards. Stand, sit, or walk for an extended period of time. Move, lift, carry, push, pull, and place objects weighing less than or equal to 10 pounds without assistance. Perform other reasonable job duties as requested by Supervisors. PREFERRED QUALIFICATIONS Education: High school diploma or G. E. D. equivalent. Related Work Experience: No related work experience. Supervisory Experience: No supervisory experience. License or Certification: None At Marriott International, we are dedicated to being an equal opportunity employer, welcoming all and providing access to opportunity. We actively foster an environment where the unique backgrounds of our associates are valued and celebrated. Our greatest strength lies in the rich blend of culture, talent, and experiences of our associates. We are committed to non-discrimination on any protected basis, including disability, veteran status, or other basis protected by applicable law.

Number of Openings* 2 Duration of contract* Initial 3 months Total Yrs. of Experience* +5yrs Relevant Yrs. of experience* +5 yrs Detailed JD *(Roles and Responsibilities) Business Analyst/process mapping Ability to engage stakeholders, elicit and document L3 processes pertaining to Direct debit processing Mandatory skills* Financial Services experience Business Analysis Stakeholder Management Process Mapping Desired skills* Direct Debit Payments Domain* Payments and Banking Approx. vendor billing rate* INR 18000/Day Precise Work Location* Gurgaon/Bangalore Preferred (WFH) Background check process to be followed: * Yes Mode of Interview: Telephonic/Face to Face/Microsoft teams* Telephonic / Microsoft teams Video

Issuing bills, receipts and invoices Issue and post bills, receipts and invoices Receiving and sorting incoming payments with attention to credibility Check the validity of debit accounts Update accounts receivable database with new accounts or missed payments Ensure all clients remain informed on their outstanding debts and deadlines Write thorough reports on billing activity with clear and reliable data Requirements Proven experience as Billing Specialist Adherence to laws and best practices in regards to dealing with customers and data Comfortable dealing with numbers and the processing of financial information Excellent knowledge of MS Office (particularly Excel) and ER software (JDE or other) Proficiency in English Results-driven and patient Required minimum 1-2 years Experience

The Small Business Manager, India & South Asia will reporting to Senior Director, Visa Commercial Solution, India and South Asia and will implement the Small Business product strategy for India in an effort to grow the key performance indicators of cards, payments volume, total volume, market share, CCE penetration, international usage, and net revenue targets. The incumbents primary focus is to engage with large local financial institutions, neo-banks and Public Sector Banks (PSBs) to develop and implement agreed product initiatives. You will be responsible for monitoring portfolio performance and recommend measures to accelerate portfolio growth, working with Visa internal stakeholders, client financial institutions and vendors. You would also be responsible for support with new issuers that are looking to launch SB products and the local support sales team in their business development efforts. Your responsibilites will include: Growing Visa s market leadership on SB (Debit and Credit cards) in India by supporting the growth of key clients. Achieve client specific product and volume targets as per budgeted targets. Develop a robust product proposition through product requirements and platforms. Conceptualize, create and execute customized campaigns to help increase SB Debit and Credit card activation and usage in the region. Support new clients in developing Business Debit and Credit card go to market strategies, including development of commercial value proposition, acquisition strategies and customer lifecycle management strategies. Deliver consumer/business insights through research and analytics for issuers to incorporate in their payment strategies. Utilize SB industry trends and customer knowledge to build preference for Visa Business Debit and Credit. Facilitate launch and adoption of new products with cross functional partners to ensure that SB Debit and Credit considerations, programs and product pilots/ developments are top of mind. Manage AP initiatives and budgets and have complete accountability for delivery and expenses. Partner with key business stakeholders within Visa to create programs that contribute competitive advantage and revenue growth to deliver the products revenue plan for India. Develop strong cross-functional collaboration with other Visa groups including product, marketing, sales in India and internationally, to provide continual value to clients Key Performance Indicators: Financial performance indicators for Business Debit and Credit products in India & South Asia, consisting of gross revenue targets, volume targets and ISA revenue targets. Adoption and scale up of platform benefits - number of benefits, usage rates and expense. Business metric performance for Business Debit and Credit products in India, consisting of cards-in-force, payments volume, international volumes, processed transactions and market share. Launch of initiatives on time, within budget in collaboration with multiple stakeholders in Visa. Country manager, country office and regional office peer feedback related to the development and implementation of strategies and programs for the Business Debit and Credit products business in India. Accuracy in managing expense forecasting. Tracking of competition activities and providing successful counters. Projects you will be a part of: You will work on projects that expand Visa s market leadership on Small Business (Debit and Credit cards) in India and South Asia by supporting the growth of Visa s key clients. What you will need: Masters degree in business administration with 7+ years of work experience in Marketing and Sales Experience in partnerships/alliances with an understanding of consumer behavior, product operations, bu