California department of insurance press releasemunkák
...an example see attachment file ). It must allow me to upload a file containing the definition of a flowchart and it creates the flowchart (see attached files and ). It will probably also allow me to manually create the flowchart one step at a time. There are three possibilities below: A (write app), B (find app) and C (find website). For B and C I will: 1. Milestone $5 and immediately release it to pay your FL fee when I hire you. 2. Milestone $10 for you to provide B or C below. 3. Release the $10 when you produce B or C. 4. Repeat 2-3 for each additional B or C that I need. For B or C you might have to ask the vendor/website for an example of a flowchart and a file that is uploaded to produce it, if you don't see it on their website. A. You writ...
I'm in need of a skilled Flutter developer to create a mobile translation app that integrates with a third-party service, not a translation engine. The app needs to be compatible with both iOS and Android platforms. Key Features: - Text translation: Users should be able to input text and get translations in real-time. - Voice translation: The app should support translation via voice input. - Image translation: The app should allow users to scan images using their device's camera for translation. Additional Requirements: - The app should have user accounts and profiles with data storage capabilities. Ideal Skills: - Proficient in Flutter - Prior experience with mobile app development - Experience with integrating third-party services - Familiarity with translation app d...
I need a skilled designer to reformat a 14-page document. The current layout looks too much like a contract and not like a brochure. It's impo...similar software for document design. - Attention to detail and an eye for modern, sleek design. If you have experience in creating brochures from more formal documents, that would be a big plus. Please provide a rough estimate of the time you'd need to complete this project, along with your bid. I will provide our current marketing brochure files for reference and to help with keeping with our branding. I will provide a sample from a competitor for reference as well. This will not be used as a brochure but will be sent to customers who sign up for our insurance/warranty plan so it does not need to be salesy just easy ...
Task is to debug the following : 1) Google login/ Registration logic 2) Apple login/ Registration logic 3) EmailAndPAssword login/ Registration process All these are in firebase auth Debug and clean code and fix errors - You must be able to build IOS version - After finish task You must build release builds - You must submit your code in github in separate branch Duration 3 days Budget 200$
I have an image that I need to be converted into a clean vectored artwork file in AI (Adobe Illustrator). The vectorization should focus on basic shapes and colors and remain true to the original design. Key requirements: - Convert a given image into a vector format - Provide the final file in AI (Adobe Illustrator) format Ideal skills: - Proficiency in Ad...design. Key requirements: - Convert a given image into a vector format - Provide the final file in AI (Adobe Illustrator) format Ideal skills: - Proficiency in Adobe Illustrator - Experience in vectorization and image tracing - Attention to detail for preserving basic shapes and colors - Good communication skills for understanding and replicating the original design Please include a portfolio of similar work in your bid. ...
...scheme. The primary goal of this page is to provide information and serve as a hub for KI applications. - The mockup should have a professional, clean and easy-to-navigate design. - The focus of the design should be on the content and the KI applications. - It should be visually appealing yet not too distracting. - The page should be designed with the specific tasks of showing KI-Models, training KI- Models and tuning KI-Modells in mind. Use Case 1: Registration (5 Point) and Log in (each log in 1 Point) Use Case 2: Setup Project for tuning - Define the Name of the Tuned Applikation (2 Points) Use Case 3: Select detail Information and upload for Tuning (each upload 1 Point) Use Case 4: Train Applikation with Content (each Content 1,5 Points) Use Case 5: P...
I am looking for a skilled designer to create an engaging social media post for Instagram. The primary goal of this post is to drive traffic to my website, so it should be designed with a clear call-to-action in mind. The text on the graphic: "Who wants an Insurance AI snapshot build + a free trial account of Agent CRM? Just comment below and we’ll dm you the details." Key requirements: - Design a visually appealing post using bright and bold colors - Ensure the post is optimized for Instagram and is likely to generate engagement - Incorporate the provided text in a way that makes it stand out and encourages clicks I can't wait to see your designs!
...environment, inspire innovation, and demonstrate a self-motivated attitude toward excellence. Why Join Us: Joining our team presents an exciting opportunity to advance your career in the IT industry amid the remarkable growth of the US job market. As part of our prominent company, you'll contribute to cutting-edge projects that shape the future, positioning yourself at the forefront of innovation. With comprehensive support programs, we ensure a seamless transition into our team, empowering you to hit the ground running and excel in your role. What You Bring: - Over 8 years of experience as a Python Developer, specializing in web API development, data analytics, and machine learning. - Proficiency in Python and related frameworks/libraries such as Djan...
Kérjük, regisztráljon vagy jelentkezzen be a részletek megtekintéséhez!
Hi, i am looking for graphic designer to create advertisement to post on social media to hire owner operator drivers for car hauling company. Here is the text: Your To...media to hire owner operator drivers for car hauling company. Here is the text: Your Toy Transportation looking for owner operators in enclosed trailers for car hauling. We provide exceptional services in: --Dispatch 24/7 (Our dispatchers are experienced and has their own brokers and clientele with great rates!) --MC/DOT --24/7 ELD Support --Clean and transparent Accounting --Factoring --Good insurance rates If you are ready to join to the team and want to make from $7000 to $10000 grosses per week call us at 818-818-3833 347-845-0974 I attached few pictures as samples but i want our ad be better and very ey...
...patented product that is scientifically tested and approved by the Food Safety Standard Authority of India [FSSAI]. Morning Fresh is the nutraceutical division of Healthline Private Limited – an established biotechnology-driven company that are industry leaders in using silk as biomaterial. They present a diverse product portfolio in the nutraceuticals, health care and cosmeceutical sector. Their work and R&D facility is recognized by the Department of Biotechnology, Government of India and are award holders for the ‘Best Innovation in the healthcare sector 2014’ courtesy BIRAC. They are an ISO 9001:2015 certified company. Be a part of Morning Fresh’s fast-growing team and become an integral part of their jo...
I am in need of a legal professional, paralegal or attorney who can assist me in drafting the Terms and Conditions for my website: https://mylexit.com. This is a crucial document for the website, and as such, I am looking for someone with specific legal expertise in Intellectual Property, Privacy and Data Protection, and Contract Law. Key requirements and considerations: - The drafted Terms and Conditions must be compliant with GDPR (General Data Protection Regulation), CCPA (California Consumer Privacy Act), and Copyright laws. - They should be well-structured, clear, and comprehensive, covering all the necessary legal aspects relevant to the nature of the website. Ideal candidates for this project would be legal professionals with prior experience in drafting web...
Hi, As discussed i have understood the requirement for powerapps creation with sharepoint list as backend database. The mutiple roles will be implemented using sharepoint group our master sharepoint list have all approvers level/department wise. Cost : 7000 Rs My Profile: -- 13+ years of experience with with different SP versions -SP Online/2019/2016/2013/2010 -- 3+ years of experience with power platform Power automate, PowerApps. -- worked for Sharepoint migration from on-premise to online using sharegate and microsoft tool. -- worked with power automate desktop for scraping data and excel automation. -- Worked with Nintex Forms and flows -- Experience with SPFx, ReactJS, JavaScript, jQuery, Typescript, REST Apis, Webhooks etc. Looking forward for your r...
...com/4va2a9wf), to set up a functional webviewer linked to a database from it. This is the first open source 3D atlas of gross anatomy and I'd like to be able to update its content autonomously. The license is CC-BY-SA and the authorship will go to 'BodyParts3D', 'Lluis Vinent' and 'Z-Anatomy'. The tools need to be set up for and be owned by the client. Profile: >3 years of experience in tailored projects in Unity Experience in the set up and use of databases Good organization and communication skills Necessary missions (estimated 100 euros): Share the project on Unity Hub Create a database containing a .csv file (the translations) and a series of texts (the definitions), Link it to the obje...
...character must look real. I will share the character I need made with the successful bidder. I will need variations and adjustments of the character made until I am happy with the 3D character design. All work must be 100% original and unique. No copying other peoples designs. I will need editions until the 3D robot is made to my liking. Send me samples of your realistic characters you have made. You will need to show me how to use Wonder Studio and show my what apps or plugins are needed. The Robot must look great and look 100% real. The robot design must work perfectly with Wonder Studio to be overlaid over a real person in my videos. I will need daily updates of the design work so I can add my input if needed. You will need to help me load the finished charac...
We are in need of a freelance California certified solar designer to review and certify our solar system design. The project is a 280 kW Rooftop PV System for an estate in Southern California. Our Helioscope model, single line diagrams, layout and cabling schematics are all ready for review. Your expertise will be crucial in ensuring the accuracy and compliance of our design. The ideal candidate will have extensive knowledge and experience in solar system design, as well as the ability to conduct thorough peer reviews. Attention to detail and adherence to local regulations are paramount.
...document errors and issues for the team ✅Test new and existing software releases, maintain test reports, and communicate with the development and release management teams ???????? ?????? ??? ??????????: • Extensive experience and proficiency with the NinjaTrader platform software (indicators, algos, etc.) • Experience with other trading platforms, specifically Trade Station and Tradingview (NinjaTrader experience is a must) Familiarity with the full development life cycle (preferably using the agile process), including automated testing and building • Experience with version control and continuous integration tools such as GitHub/GitLab • Knowledge of third-party libraries and APIs • Proficiency in building enterprise web solutions using the MERN ...
I'm looking for an experienced writer to help me craft an inspirational news article about a personal achievement of mine. The article is intended for a Indian news paper Ideal candidate for this project: - Proficient in crafting engaging news articles or a press release - Experienced in conveying personal achievements in an inspirational tone - Familiar with the structure and style of a newspaper article or a news
I am in need of a talented graphic designer to help me simplify and refine my current logo. My main goal is to boost brand recognition through a minimalist design. Key Requirements: -it is a GRASS company (Gazon is grass in french) -Keep the same logo concept but simplify it, i want it easy to recognize and the least detail possible. Kind of like a Pokémon training badge -Orange, beige or brown mixed with any green. -My Company name is Gazon Charron so perhaps GC could be used, the C being part of the orange part of my original logo and a G overlapping it on top? -Open to anything.. Ideal Skills: - Graphic design experience with a focus on creating logos. - A strong understanding of color theory, particularly the use of warm colors in d...
I'm in need of a 3D model of a grey pitbull dog. It's going to be a simple, low detail model for 3D printing purposes. Ideal skills and experience for the job: - Proficiency in 3D modeling, particularly in creating basic shapes and features. - Experience with creating models for 3D printing is a plus. - Understanding of dog anatomy or willingness to research to ensure the model's accuracy.
I am in need of a virtual assistant to support my lawn-mowing business. The ideal candidate must have experience in digital marketing Key tasks include: - Website SEO and Update Word Press Website for Lead Capture: You should have a good understanding of SEO best practices and can implement strategies to improve organic search results. - Facebook Posts and Leads: You will be in charge of creating relevant and engaging posts on our Facebook page and creating strategies to generate local leads through this platform. - Conducting Email campaigns: You will need to have experience in email marketing, specifically in conducting campaigns to our past client's database. For a successful application, please provide details of your experience in both custo...
...losses given default during repossesion, mortgagee-in-possession and foreclosure sale of residential real estate. BestAgent reduces claims, improves and optimizes residential real estate sales transactions for: Lenders Mortgage Insurance Providers (Australia) Private Mortgage Insurance Providers (North America, UK and Europe) Banks and their Arrears, Recovery, Collections and Hardship departments Your tasks will revolve around: - Managing and optimizing the Product Listings of our platform. - Initial customer inquiries regarding our platform. - Partner Central ACE Program reporting. Ideal candidates will have a strong background in AWS Marketplace and Partner Central, have a developed understanding of the financial services SaaS procurement proce...
...pro) LOS RESELLER PODRAN ACTIVAR LOS DISPOSITIVOS DESDE LA WEB VÍA MAC QUE DESDE LA WEB, YO PUEDA VENDERLES CREDITOS A MIS RESELLER PARA QUE PUEDAN ACTIVAR A SUS CLIENTES USANDO LA APLICACION EN ROKUTV un ejemplo aqui ? Ibo Player Pro FEATURES: - easy process to stream m3u URLs or playlists - simple UI - Ibo Player Pro supports all screen resolutions of Roku TVs, Roku sticks, and Roku boxes. - for movies and series see release date, content, actors, ratings - add channels and movies/series to favorites - supports Fast Streaming - select languages in movies and series - select subtitles in movies and series - parental control ℹ️ HOW TO USE OUR M3U STREAM PLAYER: - get an m3u url or playlist from your provider (we are just an Media player). - upload y...
...Scope: The chosen professional will be in charge of crafting an effective multi-year investment policy and plan. This includes setting precise goals, benchmarks, and guidelines over a 3-6 month time frame. Deliverables: Consultant's recommendations will play a vital role in enhancing the California HOPE Program's operations. Your input provides the basis for deciding the funding allocation among the different programs. Objective: The principal objective of our proposed multi-year plan is maximizing returns on our investments. Therefore, solid experience in investment strategies boosting returns is essential. This project calls for a professional who is well-versed in financial consulting and possesses a deep understanding of the dynamic...
...Observations: Timing of Errors: The server was operational until 12:08 PM- (that was my last email received) server migration completed at 7:39 AM. - so thats a few hours after migration the server was working fine. Current Server State: The server is accessible only in rescue mode Actions Taken: Just talked to tech support and they did some troubleshooting. They said an issue with the OS and they want to restore it, but it will take 24 hours. I'm hoping for a quicker fix. While they will try to fix this, I want to try to see if theres a possibility to fix it without the need of restoring anything. I also have these instrctios on how to export Using Grml for Data Recovery: This article explains how you can use the Grml DVD to back up your VPS data. The Grml DV...
...being practical. ✻ PAYING YOU TO LEARN ✻ No. You aren't dreaming. I value intelligence and problem-solving ability over experience. I'd prefer to work with someone who is clever and learns quickly rather than someone experienced but is not very intelligent and/or does not solve problems scientifically. Would I hire an Isaac Newton or an Albert Einstein even if he had no programming experience? Of course I would. ✻ TESTS ✻ You must pass several difficult logic tests to work with me. The first logic test you complete for me will be an unpaid logic test. In other words, I would not pay you any money whatsoever if you were to pass the first logic test. However, I would pay you $25 (Twenty-Five Dollars) if you were to pass the second logic test, and $50 (Fifty Dollars...
...Project Points: **Enhancing User Experience:** The primary goal of this project is to make navigation and interaction as intuitive and user-friendly as possible for such HNIs. **Multi-Platform Design:** The user interface should be consistent and optimized for both mobile (iOS, Android) and web platforms. Experience in responsive design is a must. For the phase 1, below are the requirements: $$ The application caters to investors / high net worth individuals, who want to invest in startups. Below 3 screens are expected: 1. On the homepage, there will be listing of startups that users can see. Startups can be new or old companies who want to raise money/funds. The listing will be visually appealing with highlights of what is most attractive about the company...
This project focuses on the creation of an interactive and modern dashboard using React. The dashboard should be responsive, user-friendly, and equipped with advanced features for data visualization and analysis. Specifically, it will function as a viewer for analytics and statistics. The project should also include a login page, profile management, and preferences settings. Only graphic mockups are needed at this stage.
...the California region. The focus of this role is to build contacts within the healthcare sector, specifically targeting medical device sellers. The job involves: 1. Building a contact list: - Researching and identifying potential partnerships within the specified industry. - Creating a detailed list of healthcare contacts in California, primarily from the medium to large-sized medical device sellers. 2. Cold calling: - Establishing initial contact and building relationships with key decision-makers. - Pitching our platform's unique selling points. The ideal problem solver for this endeavor would have: • Previous experience in B2B list building, especially within the healthcare sector. • Strong background in cold calling and securing sa...
Kérjük, regisztráljon vagy jelentkezzen be a részletek megtekintéséhez!
...will be used for a range of company designed products, hence, a broad knowledge base and versatile design skills are necessary. The ideal freelancer should: - Be highly skilled in 3D modeling and product design using Fusion 360. - Have a strong understanding of manufacturing processes and requirements. - Have extensive experience with company specific product design. We prefer someone from the Inland Empire area, near Los Angelas California, your skill will be the determining factor not your location. I look forward to working with a talented freelancer who can bring my product ideas to life in a 3D form, ready for manufacturing. Your expertise in Fusion 360 will be essential to the successful completion of this project. We are attaching a simple...
...Design Proposal for a Newly Established Bank Create a simple networking topology for a bank using Cisco Packet Tracer. A newly established bank is seeking to set up its IT infrastructure promptly, and you are one of the contenders for this project. The bank requires a simulated version of the proposed plan before making a final decision. The bank has provided you with the building's blueprint (see attached image), indicating it is a three-story structure with the following layout: First Floor: - Room 1: Accounting Department (3 employees) - Room 2: Checking and Savings Department (4 employees) - Central Hall: Public area where clients can connect to a separate network Second Floor: - General Manager’s Office - IT Infrastructure Room: Dedicated ...
I will be developing and integrating the required form till Thursday and fully functional till Friday. But I will try my best to complete the work as soon as possible.
I need a team of skilled developers to create a comprehensive Health Management System for our hospital network that integrates several key functions. - Importantly, this system must offer centralized operations to ensure smooth functioning across all departments. - I expect it to automate the following operations: Laboratory, Pharmacy, Billing, Human Resources, as well as specific functions like EPMS for HIV and TB management. - Additionally, the system should be designed to handle patient records in a hybrid manner - combining both electronic and paper-based record-keeping. - There is also a requirement for this system to seamlessly integrate with external systems, specifically insurance company systems, other healthcare facilities, and laboratory information syst...
Selamat siang . Saya ingin membuat CRM untuk yang akan digunakan untuk tracking penjualan paket wisata . Dengan Style Kanban dan mempunyai Kalender View. Bisa menyimpan kontak dan bisa digunakan untuk multi department.. Bisa menugaskan tugas antar orang. Bisa membuat project dan bisa menggabungkan beberapa kontak dalam 1 project. Silahkan jika ingin bertanya . Saya terbuka untuk zoom meeting .
I'm in need of a professional who can provide me with a PA sign and stamp sprinkler drawings for a small scale project. The space is less than 1000 sq ft and the requirements for the drawings are a basic layout and components. Key Requirements: - Proficient in creating sprinkler drawings - Must be ncet 3 or higher.. - Must be able to provide PA signed and stamped drawings - Attention to detail to ensure the basic layout and components are accurately represented Ideal Skills and Experience: - Experienced in creating sprinkler drawings for small spaces - Familiarity with local building codes and regulations - Ability to work efficiently and meet deadlines
This project involves the creation of customized images that will be wrapped on our delivery truck. We are a party hire business, and hire furniture, catering equipment. We want our delivery truck to look like events are happening in the truck as people drive past, which means the perspective of the images needs to match the size of our truck. The back of the truck measures approximately 2.2m High, 5.5m Long and 2.5m Wide. Require 3 different images, 1 rear (2.2m x 2.5m) 2 sides (2.2m x 5.5m) ideas are: - Rear truck image shows a wedding aisle, have managed to create so many images on AI that do the job but I can't seem to get the back row of chairs showing... I want it to look like the back doors of the truck are open and it looks like a wed...
I'm in need of a system that efficiently and accurately captures and records detailed customer policy information. Key information to gather includes: - Policy Information - Policy Type - Effective Date - Expiration Date - Premium - Carrier Company This information will help us keep accurate records, keep track of expiration dates, and better understand the coverage our clients have. The ideal person for this job would have experience in CRM development, database management, and a strong understanding of data privacy and security matters. Your task will be to set up a data capture followed by populating those information into our database. Understanding of insurance company's workflow will be an added advantage.
...comprised of industry veterans, Confirmis business model is designed to overcome perennial lack of data (let alone quality data) to support effective decision making, particularly in developing economies. As a Site Verifier, you will be involved in our pre-employment screening by conducting a visit to the candidate's former employer. JOB DESCRIPTIONS: • Conduct the site visit to the candidate’s former companies • Conduct the basic verification of the candidate’s position & reputation. • Take some pictures of the candidate's former companies • Provide observation about the address such as the location, the building, etc • Interview the employer/HR Department about the candidate to verify basic informa...
We need someone to collect Insurance Data Discovery
I'm seeking a skilled app developer to create a cross-platform (iOS and Android) mobile application. This app will serve as a proof of concept, showcasing the functionality of a unique idea I have. Key Responsibilities: - Develop a functional, user-friendly app for both iOS and Android - Implement all necessary features to demonstrate the concept's functionality - Ensure smooth user experience with intuitive design Ideal Candidate: - Proven experience in cross-platform app development - Strong understanding of iOS and Android development guidelines - Adept at creating apps with a focus on demonstrating specific functionalities - Ability to deliver a polished, bug-free product I want a developer to create an app that can be sideloaded (not go t...
I'm in need of a seasoned WordPress professional who can integrate a local payment gateway into my existing WooCommerce website. Cart page gets product but when we press Proceed Payment Button, it says no payment method available despite WooCommerce methods are active and one local method is installed. Key Requirements: - I have a specific payment gateway installed for this integration, so you'll need to remove error. - My website is already configured for payments, but it needs to be modified to work with this new gateway. - I want this process to be seamless and error-free, with the payment gateway functioning perfectly post-integration. Ideal Skills and Experience: - Prior experience with WooCommerce payment gateway integrations is a must. - Familiarity with...
I'm looking for a CAD specialist with proficiency in AutoCAD to assist in the creation of 2D drawings for construction purposes. The project is to expand a 1-story single family house in City of San Jose, California, USA to add a 2nd story. Key Project Requirements: - Familiar with California Building Codes - Familiar with San Jose City permit process - Proficiency in AutoCAD: I specifically need someone comfortable working with AutoCAD and who has a track record of creating high quality 2D drawings. - Construction Background: An understanding of construction principles and terminology is important for the accuracy and relevance of the drawings. - Timeliness and Accuracy: The ability to deliver on time and with precision is c...
...focusing on the development and significant enhancement of our two key apps within a two-sided marketplace. This role demands the translation of complex designs into fully operational mobile applications, ensuring an exceptional user experience and integration with our system's API endpoints. Our collaboration will begin with a few weeks of test phase, with the goal of evolving into a long-term, 8h/day engagement over the following months, based on performance and project progression. Responsibilities: Translate intricate designs into fully operational React Native applications, ensuring they effectively meet the frontend specifications and provide a seamless user experience. Actively participate in the development, enhancement, and maintenance of...
...pressed by the user. 3. With a total of six buttons per slave device, each responsible for assigning marks to either the blue or red team, the coding should incorporate a mechanism to ensure the validity of button presses within a one-second timeframe. Only when certain conditions are met—such as simultaneous presses of specific buttons or receiving button signals from multiple slave devices—should marks be counted as valid and displayed on the OLED screen. For the MASTER device coding: 1. The master device should feature four initialization LEDs, each corresponding to one of the four slave devices, indicating their readiness for communication. 2. A Timer button will initiate a countdown for three minutes upon first press and pause the tim...
Following are the requirements of task to be fulfilled. 1- Task is to visit the university physically and Take 5 to 6 geotagged photos of with name board captured and from outside the building. 2- Get the verification form filled, signed and stamped by the HR of university, and also stamp the certificate. 3- Get the details of verifier, Name, Designation, Department and Contact. 4- In case of refusal to fill form, take the written refusal with stamp or sign as a proof. 5- If Galatasaray university, does not found on given address than take the 7 to 8 geotagged photos of exact address with right left name boards photos and make a small few seconds video of address . Also get the details of any nearby business ( Name of p...
...some of the known wealthiest high-end individuals and families around our area. We also get occasional out of town well known celebrity visitors. What kind of people who don't want to be in public doing these kinds of tasks, or they just stay too busy to do them on their own. Aaron's like picking up their groceries or any sort of supplies that they may need for their household, or anything else that they think they may need. Sometimes they may even need help bringing an elderly relative or a child to some sort of appointment or a class. We have been operating around the area and the state and surrounding areas since the 90s. We know how to be discreet and get every client from another client's referral. We do not advertise or spea...
I'm looking for a developer to help increase user engagement with my website through a fun and interactive game feature. Key Project Details: - The goal is to enhance user engagement with a word press website should involve dragging and dropping any image to replace the football. Ideal Skills - Proficiency in game design and development. - Experience with integrating interactive features into websites. - Strong understanding of user engagement strategies. - Ability to create a seamless and enjoyable user experience.
I am in need of a professional who can lend their expertise in Microsoft Power Automate, specifically in the areas of: - Workflow Automation - Approval Process Automation The challenge at hand involves a release flow that crosses 1-3 departments in our organization. The ideal candidate should have experience handling similar workflows, with a keen understanding of how to streamline approval processes involving multiple department heads. Moreover, the solution must be able to integrate with the following platforms that we currently utilize for our workflows: - SharePoint - Outlook In summary, I am looking for an expert who can provide support in creating a seamless, unified, and automated system in Microsoft Power Automate, bridging gaps and solving w...
I need a 4-page WordPress website designed - I will provide the text , logon and cpanel details need in one day and can pay 20 CAD ( no negotiation )