Traveling and Hotels

Traveling and hotels are a major industry. They create jobs, stimulate local economies, and provide services for travelers. In addition, they contribute to the national economy and have a positive impact on global trade. To be successful, both tourism and hospitality businesses must build relationships with customers to keep them coming back and avoid competition from other competitors.

When choosing accommodation while traveling, you should consider factors like location, customer reviews and cost. You can also select accommodations based on the type of experience you are looking for. There are many different kinds of lodging, including hostels, hotels, cabins and vacation rentals.

The most popular method of finding hotel accommodations is by using online booking websites. These sites will help you compare prices and ratings from a wide variety of hotels. Some of these websites will even offer discounts for certain times of year or if you book at a specific time.

Another way to find hotels is by consulting a travel agency. Travel agencies will sell products on behalf of various travel companies and offer expert advice. They will generally charge a commission for their services.

Lastly, you can also save money on hotels by booking directly with the hotel. By calling the hotel directly, you may be able to negotiate a discount if you are staying for an extended period of time or will be booking a lot of rooms. This can be especially effective if you are trying to earn loyalty points or status with a particular hotel chain.

What is a Casino?

A casino is a place where people can play games of chance or skill. These games include poker, blackjack, craps, roulette, and baccarat. People can also place bets on sports events and horse races. A successful casino can bring in billions of dollars each year for the owners, investors, and Native American tribes that operate it. In addition to the gambling facilities, casinos also often have restaurants, retail shops, and other tourist attractions. They can be built in massive resorts or stand alone as small card rooms. Casinos are also found on cruise ships, at racetracks as racinos, and in some states allow for the operation of casino-type game machines at bars, truck stops, and other places where gambling is permitted.

The precise origin of gambling is unknown, but it has been part of human culture for millennia. It was probably first recorded in writing around 2300 BC, and it is believed that the ancient Chinese played a version of dice. The ancient Romans also gambled, and baccarat, a game still played today at many casinos, was developed in the 1400s.

Modern casinos have a range of features that are designed to keep gamblers happy and relaxed. The decor can be lavish, with richly tiled floors and carpets, and carefully controlled lighting that may be bright or dim. The walls are often adorned with paintings and sculptures, and a fountain display is frequently featured in the center of the casino floor. Red is a popular color for decoration in casinos, since it is thought to make gamblers lose track of time. There are usually no clocks displayed on the walls, because they might distract players from their gambling.

Sports Betting 101

With sports betting now legal in more states than ever, the wagers are growing more diversified and include bets that have nothing to do with the game itself. This is a major threat to the integrity of college-age athletes and the integrity of the sport, Lopez said. In addition to moneylines and spreads, sports bettors can place Over/Under bets on the total number of points scored in a game and combine multiple bets into parlays.

Odds specify the implied probability of an outcome, and they can be displayed as American (decimal) or British (fractional). Understanding how odds work is key to understanding sports betting. In addition, the plus and minus signs indicate whether a team/player is considered the favorite or underdog. The size of the odds, which can be expressed as a fraction of 100, determines how much a bettor stands to win.

One of the most popular bets is on the Over/Under, or Over-total, of a game. The Over/Under line is an estimate of the total combined points scored in a game, and it can be made by placing a single bet on either side.

In order to be a profitable sports bettor, it is important to understand the profitability of teams on both the moneyline and against the spread, as well as when betting totals (over/under). One way to do this is by using Sharp, an online tool that evaluates a team’s historical profitability on the moneyline, against the spread, and on Over/Under bets. By comparing teams’ profitability, Sharp helps bettors find the best teams to back.

What is Lottery?

Lottery is a type of gambling that involves paying a small sum of money for the chance to win a much larger sum. People use lotteries to win everything from units in a subsidized housing block to kindergarten placements. The word lottery is also used to describe a method of raising money for a public project, especially in the United States, by holding a drawing to award prizes to participants who correctly match numbers.

The history of lotteries goes back centuries, with the earliest examples appearing in documents from the Han dynasty (205–187 BC) and in the Chinese Book of Songs (2nd millennium BC). In modern times, state governments hold public lotteries, selling tickets to raise funds for various projects and services. In the United States, state-regulated lotteries are monopolies that prohibit competitors and use profits solely to fund government programs.

In addition to state-regulated lotteries, many private organizations sell lottery tickets in the United States. These include commercial companies, nonprofit groups (such as churches and fraternal organizations), service stations, convenience stores, restaurants and bars, and bowling alleys. Some retailers also offer online lottery sales.

Although the chances of winning a lottery are low, many people still purchase lottery tickets. Some play the lottery on a regular basis, whereas others play one to three times a month or less frequently. The most frequent players are high-school educated men who are in the middle of the economic spectrum. However, most people who play the lottery do not consider themselves compulsive gamblers.

How to Play Poker Like a Pro

Poker is a game of cards played between two or more players. Its rules vary according to the game type and setting, but the basic concept is the same. Each player has two personal cards in their hand and five community cards on the table. The winner is the player with the best combination of these cards, usually a straight or a full house.

If you have a strong starting hand, such as a pair of kings or queens, bet aggressively. This will make the other players think twice about betting against you, or they’ll assume you’re bluffing and fold. You’ll also get better value out of your bets if you can force weak hands to call when they should have raised.

In addition to reading strategy books and watching training videos, it’s important to spend time observing experienced players in live games. Watch how they react to different situations and try to emulate their decisions. This will help you develop your own instincts and improve your game faster.

After each practice session, spend some time reviewing your play and analyzing your decisions. You can use hand history tracking software or take notes during the game to identify areas for improvement and find leaks in your strategy. In addition, it’s important to start at lower stakes to minimize financial risk and allow yourself the opportunity to experiment with new strategies without feeling too much pressure. Remember that poker mastery takes time and requires consistent effort.

What is the Law?

The Law is the set of rules governing a society. These laws are enforced by governments and may result in punishment for violations. They can be created by a group legislature, resulting in statutes; by the executive, through decrees and regulations; or by courts, with rulings having broader legal weight because they are precedent (known as stare decisis). In some cases, private individuals may also create legally binding contracts or arbitration agreements that adopt alternative ways of resolving disputes to standard court litigation.

Law shapes politics, economics, history and society in many different ways. It has numerous branches that focus on specific aspects of life – labour law concerns the tripartite relationship between worker, employer and trade union; contract law regulates agreements to exchange goods or services; property law defines people’s rights and duties toward tangible (physical) possessions such as houses and cars and intangible ones like bank accounts and shares of stock; and forensic and criminal law deal with the ways courts investigate and prosecute crimes.

It is important to note that laws are interpreted and applied by humans, usually attorneys or judges. As such, it is common for reasonable people to disagree about what the law should be.

The Advantages and Disadvantages of Owning an Automobile

The automobile symbolizes both the promise and the pitfalls of modern life. It revolutionized transportation, making leisure travel possible for the masses for the first time in history. It also encouraged people to move further away from work and to live in suburban areas. Critics have seen this trend as an actual act of flight and have called for societal self-reflection on the changes it has brought.

An automobile is a self-propelled motor vehicle used for transporting passengers. It usually has four wheels and is powered by an internal-combustion engine that uses a fuel (usually gasoline, but sometimes diesel or liquefied petroleum gas) to turn its crankshaft. Automobiles are one of the most universal of modern technologies and are manufactured by one of the world’s largest industries.

The auto industry is constantly developing new technical developments to improve automobile performance, safety, and comfort. For example, safety features like airbags and seatbelts are standard equipment in many vehicles today. More sophisticated technology includes infotainment systems that allow drivers to connect their smartphones to the car’s stereo system and use it to make calls, listen to music, or access maps and navigation services.

Some cities have established public transportation options that are quicker, cheaper, and more environmentally friendly than driving an automobile. However, for many, the convenience of having a vehicle makes it worth the upfront expenses and ongoing costs of car ownership. Besides the obvious benefits, there are some disadvantages to owning an automobile, including traffic jams, parking problems, and the cost of fuel.

How to Write Newsworthy Articles

News is information about something that is happening or has recently happened. It can be about events, people or places. It can also be about ideas or opinions. News is often reported in newspapers or on TV and radio. It can also be found online or in magazines. When writing a news article it is important to keep the reader in mind. Think about what they want to know, what is significant and what might have an impact on them. It is also a good idea to check that the facts are correct.

It is important to remember that different societies have different views of what is newsworthy. For example, an event that is interesting and significant to a scientist may not be of interest to the general public. An insect that has discovered a new plant on which to live might make interesting news in a scientific journal, but would not be headline news on a general news broadcast or newspaper.

When reporting on an event it is important to try to find out as much information as possible about it. It is often helpful to ask experts in the field for their opinion on a particular topic or issue. It is also a good idea to use quotes in your news articles. This will help to add credibility and authenticity to your story. It is important to avoid using cliches or puns in your news articles because these can be off putting to readers. It is also important to avoid using jargon that will only be understood by those in the same industry or organisation. This can exclude people from reading your articles as they will not be able to understand them.

What is Entertaiment?

Entertaiment is any activity that diverts or amuses people and provides pleasure and recreation. It can include anything from a concert to a circus. The concept is broad and reflects the human need to escape from routine and monotony. Entertainment can also be a form of social bonding and can help alleviate depression or anxiety. It can be a positive or negative experience. Entertaiment can be considered art as long as it doesn’t hurt anyone or go below human dignity.

What Is Fashion?

Fashion is a multifaceted concept encompassing personal expression, cultural significance, innovation, practicality and economic impact. It can be defined as the art of designing and constructing clothing and shoes influenced by contemporary or historical cultural aesthetics. Fashion is a popular and rapidly changing mode of dressing that may be characterized by a sense of style and flair.

The fashion industry consists of the global apparel and footwear industries that design, manufacture, market and sell clothes and other accessories. Until the mid-20th century, most garments were designed and made for individual customers, either by dressmakers or tailors. But with the invention of new technologies such as the sewing machine and loom, and of new economic factors like global capitalism and mass consumer culture, the ability to make and sell cloth at standardized prices began to become the norm.

Today, the term “fashion” applies to any widely accepted style of wearing clothing or a manner of dressing that is popular at any given time. The term is derived from the Latin word modus, meaning “mode of wearing,” but is often used to suggest an elegant and sophisticated taste, while the terms vogue, rage and craze suggest widespread acceptance of a fashionable trend.

When it comes to fashion, a person’s style is a reflection of their personality and interests. Some people’s styles are influenced by what is currently in fashion, while others look to designers and celebrities for inspiration. Fashion can also be influenced by ethnicity, social class, age, occupation or location.

Defining Technology Across Disciplines

Technology can be applied to every aspect of our lives, from building structures like bridges and canals to creating entertainment and information. Many of us rely on it to make our lives easier by automating tasks that would otherwise be difficult or impossible. But, it’s important to know how to properly use technology so that it can be most effective for you.

For example, a teacher may want to give students access to Google Docs, a convenient way for them to collaborate with their classmates and share work. But, if they don’t have high-speed internet, it could be harder for them to use the program effectively. Similarly, it’s important to consider the impact that technology has on student access and equity.

There are several different definitions of technology, and they can vary across disciplines. For example, some people define it as any human-made object. Others use it to refer to certain types of objects or processes, such as medical or computer technologies.

The word technology comes from the Greek words techne and logos. The former means skill or craft, while the latter refers to an idea or concept.

The process of making technology involves deciding how to bring the world closer to how one wishes it to be. It is typically a step-by-step process, and apparently promising early technologies often stall midway through development. This makes it challenging to understand how technology works. In order to do so, it’s necessary to study a variety of disciplines, such as sociology, history, political science, and economics.

What Is a Team Sport?

A Team sport involves people organised into teams to compete against each other with the ultimate goal of winning. It involves cooperation, communication and coordination as well as the development of specific skills. It’s also been found that participating in Team sports can help to improve mental health, reducing stress levels and creating a sense of community.

The most popular Team sport is probably soccer or association football, which is played around the world by millions of people. But there are many other options – from hockey and lacrosse to cricket and water polo. There are even Team sports that don’t involve an opposing team and scoring points, such as mountaineering or sailing.

Team sports encourage group cohesion and friendships based on shared interests, which can provide a positive emotional outlet and boost overall wellbeing. They’re great for physical fitness, as regular exercise helps strengthen the heart and reduces the risk of cardiovascular disease. They also improve mood by stimulating the release of endorphins, which can have a positive impact on depression and anxiety.

They help to develop the ability to problem solve, which is a key life skill. For example, good communication is needed when a player is injured, so that other players can take on their role temporarily. Likewise, when a team loses, the defeat is shared more evenly amongst teammates, which can soften the blow and make it feel less personal. In addition, Team athletes learn to appreciate the value of their own abilities by understanding how they contribute to a successful outcome.

What Is Religion?

Religion is a cultural system of beliefs, values, and practices. It encompasses a vast range of practices from tribal totem worship and belief in guardian spirits to the worship of multiple gods or god and goddesses, as well as codes of honor, moral beliefs and behaviors, rites of passage, holy books and symbols, and religious art and architecture. It also includes cosmological beliefs, a belief in miracles and prophecies, and various interpretations of human existence, including theistic religions that believe in a supreme creator god or gods and agnosticism, atheism, and nontheism.

For scholars, the question of whether or not something counts as a religion has become controversial in part because of the sheer diversity of practices now said to belong to this class. As with other abstract concepts used to sort cultural types, such as literature or democracy, some think that one can understand religion as a social taxon by examining the properties shared by members of the class. Others take a polythetic approach to the concept, believing that any practice may be considered a religion as long as it has enough of the right kind of properties.

Even if religion is not found everywhere in the world, it is clearly a fundamental phenomenon for many people. Whether they participate in Christianity or Buddhism, Scientology or Rastafarianism, most of the 6.5 billion people alive today adhere to some form of religion. Religion helps to organize people’s lives, establish and bolster their identities, provide them with moral guidance, give meaning to their experiences, and create a sense of community.

Healthy Relationships

Relationships encompass a broad range of interpersonal connections, from casual acquaintances to those in which there are feelings of romance and love. Regardless of the type of relationship, relationships play a significant role in our daily lives, contributing to our well-being and overall sense of fulfillment.

Healthy relationships help us feel connected to something bigger than ourselves, whether that be a shared family heritage or commitment to a charitable cause. These connections can give us a greater sense of meaning and purpose and help to reduce stress.

There’s nothing like the comfort of knowing you have someone to lean on if life gets tough. Being in a committed, long-term relationship gives you that assurance. However, it’s important to remember that a loving relationship isn’t a magical cure-all for every problem you might face in your life. A few basic checks and balances can keep your relationship healthy, and ensure that it’s headed for the long-haul.

Healthy relationships have been linked to a number of health benefits, including better sleep, stronger immune systems, improved mood regulation, and more. Having the right person in your corner is truly priceless. But, before you jump headfirst into a committed relationship, be sure to ask yourself the following questions:

What Is Gambling?

Gambling is the staking of something of value (either money or materials) on an uncertain event with awareness of the risk and in the hope of gain. It ranges from lottery tickets and betting on sports or events to sophisticated casino gambling and can be legal or illegal. It may involve a small amount of money or the wagering of valuable items, such as cars and houses. It may also involve skills that increase the chances of winning, such as a knowledge of strategy in card games or skillful riding on horses.

Although gambling is a popular pastime for many people, it can be harmful for some. Problem gambling can cause financial, psychological and social problems and affect people of all ages and backgrounds. It can also have serious consequences for families, friends and the economy. People with gambling problems can lose their jobs, become homeless or even commit suicide. Problem gamblers can come from every race, religion and education level and live in any country or city.

The way we think about gambling has changed in recent years. People with gambling problems are now more often diagnosed with a mental health disorder rather than simply as a gambler with problems. This change is partly due to the increased use of diagnostic criteria in research on gambling addiction. These 10 criteria, which are similar to those used to diagnose substance dependence, focus on three clusters or dimensions: damage or disruption, loss of control and dependency.

Financial Services

Financial services are activities that support the economy by providing investment and savings channels for individuals, businesses, and governments. This sector includes banks, credit unions, credit-card companies, insurance agencies, stock exchanges, and asset management firms. It promotes economic growth by encouraging investment and savings, and it drives national economies by enabling the flow of capital and liquidity and managing risk.

Without financial services, people with money to spend would have trouble finding those who want to borrow it, and those without spending power would be so intent on saving to cover their losses from business fluctuations or natural calamities that they would not consume many goods and services. These financial institutions provide a safe way to store, grow, and use savings, as well as offer loans for consumption and expansion.

Among the most vital of these are the deposit-taking institutions (banks) that collect money from savers, pool it, and then lend it to individuals or businesses that need it. They also provide credit-card facilities, issue checks (certified or cashier’s), and operate as brokers on stock, bond, and commodity exchanges.

Other players in this industry include securities firms that sell stocks, bonds, and other investments; consumer finance companies that provide mortgages, car loans, and credit cards; and investment-banking companies that underwrite debt or equity for mergers and acquisitions. Large technology companies are moving into the financial services sector as well, offering new digital payment methods like Apple Pay and Amazon Pay in stores, which save merchants from paying credit card networks interchange fees.

The Business Services Industry

Business services are activities, processes or solutions that support a company’s core functions. They include IT, financial, HR, marketing, consulting and logistics services, among others. Business services are important for companies as they help enhance operational efficiency, provide access to specialized expertise, and foster innovation. In addition, they enable companies to outsource non-core functions, which is a cost-effective way of growing their businesses.

Business service industry consists of establishments that provide various support services to other organizations, such as drafting services, notaries public, janitorial or cleaning services, water softening services, lecture bureaus and other similar operations. They also provide management, consulting and training services. This industry is categorized in the Wholesale Trade sector.

A career in the business services industry offers a diverse range of work opportunities, including positions such as administrative assistants, janitors, shipping agents and accounting and finance professionals. The qualifications needed for a job in this industry vary depending on the type of role and its responsibilities.

As more and more businesses turn to outsourced providers for a variety of business services, the demand for skilled workers in this area will continue to rise. This makes pursuing a business services career an excellent option for anyone interested in a well-rounded and varied employment experience. In addition, the demand for these jobs is projected to grow faster than the average for all occupations, which makes it an outstanding choice for those looking for a stable and lucrative career path.

Home Improvement Trends for 2018

Home improvement is a wide term that includes the construction of new homes, as well as renovations and remodeling of existing homes. It also includes the sale of building materials and appliances, and of services performed by contractors, installers, builders and tradespeople in residential homes.

Homeowners continue to make investments in their homes. While many are considering painting a room or updating light fixtures, others are looking at more major projects like adding an outdoor living space, remodeling the kitchen or converting an old tub to a shower.

The 2022 Cost vs Value Report from Remodeling by JLC shows that some upgrades have a better return on investment than others. The report analyzes 23 major projects and reveals which add the most value to your home.

It’s important to find a contractor you can trust. Make sure to check their license, insurance and business references before hiring them for any work at your home. It’s also important to establish a payment schedule and include as much detail about the project as possible in the contract.

While the home improvement market has enjoyed excellent growth results in recent years, some analysts predict that spending on residential renovations could decline this year due to higher prices. Lowe’s and Home Depot have both reported a cooling of their home remodeling sales this year, after a pandemic-era renovation frenzy. However, households aren’t abandoning their plans to improve their homes, they just seem to be putting off the bigger improvements and turning to do-it-yourself fixes for now.

Traveling and Hotels – Which One is Right For You?

Traveling is a fun and exciting way to experience different cultures, explore new places, and create memories that will last a lifetime. But it can also be stressful when planning a trip, especially when you’re trying to find the perfect hotel. There are so many options out there, but how do you know which one is right for you?

There are a few things you should consider before making your final decision. First, ask yourself what your priorities are. Do you want a hotel with a pool, gym or spa? How about free breakfast or late check-in? And don’t forget about extra fees, like resort or “amenity” fees. These are added costs that hotels often hide in the fine print. Always read the fine print and, if possible, try to book at a place that doesn’t have these fees.

Another thing to keep in mind is the purpose of your trip. Are you traveling for business or leisure? Business travelers may need conference rooms and easy access to transportation, while leisure travelers are usually looking for amenities like a swimming pool or beach access. Lastly, think about the amenities that are most important to you personally.

Finally, booking a flight and hotel as a package is often cheaper than buying them separately. Plus, airlines and hotels often offer exclusive perks and deals to people who book their flights and hotels together. And, booking as a package can save you time by reducing the number of websites and phone calls you have to make to complete your reservation.

What is a Casino?


A casino is a place where people can gamble and play games of chance. People can use money to win prizes or lose money by betting on various games of chance, including slot machines, roulette, baccarat, blackjack and poker. Casinos can be found in many places, from upscale Las Vegas resorts to Native American reservations and rural areas. Some casinos also offer shows and other entertainment to draw in crowds. Casinos often have strict rules on who they allow to enter and how much people can spend. They are regulated by federal and state governments.

Something about gambling seems to encourage people to cheat, steal and otherwise try to beat the system. Because of this, casinos put a great deal of time and effort into security. They have surveillance cameras that can spot suspicious activity, and they have employees that patrol the floor of their establishments to look out for blatant cheating or theft. Players are given chips instead of real money, which makes it more difficult for them to hide or exchange them. Casinos also track the house edge and variance of each game, using mathematicians and computer programs to do this.

A large amount of the profits made by casinos come from slot machines and other mechanical devices, such as video poker machines. These machines take in bets on a series of symbols or numbers, and their payouts depend on the frequency of those symbols or numbers. In contrast, table games, such as blackjack and craps, are conducted by live dealers. These games require more skill from the players and have a greater impact on the outcome of a hand.

How to Win at Sports Betting

sports betting

A thrilling fusion of strategy, psychology and chance, sports betting has become a burgeoning industry with a global market worth hundreds of billions. While it is not easy to make consistent profits, experienced bettors know a few key principles that help them win more often than they lose.

Managing Your Bankroll

Sports betting is about more than just winning and losing; it’s about money management. It’s important to set a budget and stick to it. This will help you avoid over-betting and ensure that any potential losses are small and manageable.

It is also important to keep an eye on the odds of each bet. If a team is favored, it will have a plus (plus) sign in front of its odds; if the team is underdog, it will have a minus (-) sign in front of its odds. Oftentimes, you can find information about the history of each team’s performance and past odds by searching online.

Understanding Over/Under Betting

One of the most common types of bets in sports is Over/Under. These bets do not hinge on which team wins the game; rather, they rely on the total number of points scored by both teams. For example, a Los Angeles Rams-Seattle Seahawks matchup might have an Over/Under of 42.5 points. If you expect a high-scoring game, bet on the Over; if you think it will be a defensive slugfest, bet on the Under.

Pro bettors know that it’s impossible to maintain profitability without a solid betting system. They use a range of tools and techniques, such as thorough research and disciplined bankroll management. In addition, they keep near-obsessive records of their bets, which enable them to test theories—like the fact that left-handed pitchers tend to lose to right-handed batters—and refine their betting strategy.

What is a Lottery?


In lottery, people have a chance to win a prize by choosing numbers or symbols from a pool. Lottery prizes may be cash, goods, or services. Most state governments run a lotto, though private companies also sponsor some. Prizes vary from game to game, but the money is often used for public benefit. In 1999, according to a national gambling poll, 75% of adults and 82% of teenagers supported state-run lotteries.

The word “lottery” dates to the sixteenth century, although the term was likely derived from Middle Dutch loterie and a calque on Middle French loterie. Earlier, a number of colonial Americans held lotteries to raise funds for various projects, including the construction of the Mountain Road in Virginia and the rebuilding of Faneuil Hall in Boston.

Many people play the lottery, but most don’t understand how much money they stand to win or lose. The odds of winning are very low, and the likelihood of losing more than you’ve won is high. Many people believe that they will eventually win, even if they don’t know how much the odds are against them.

In addition to the money raised by the state, lottery profits support local small businesses that sell tickets and larger companies that offer merchandising and computer services. The lottery is an excellent way for states to increase revenues without raising taxes. It is a popular form of gambling, with participation rates higher among high-school educated men and lower-income households.

Develop Your Poker Skills With This Workbook

Poker is a card game that involves betting among players. Each player is dealt two cards and has the chance to make a winning hand using those and five community cards. The player with the best hand wins the pot. The game can be played in a casino, at home with friends or online with a live dealer.

This game tests an individual’s mental endurance, strategic thinking and mathematical abilities. It can also help develop a positive mindset and improve discipline.

A poker player needs to be able to analyse the odds of their hand, as well as their opponents’. They must also know what type of bet to place and how much to bet. This will maximise their EV and allow them to force weak hands to fold and win the pot.

The game can be a lot of fun and a great way to relax after a long day or week at work. It’s also a good way to meet new people. But if you want to be a successful poker player, you need to learn the rules of the game and practice your skills regularly.

Developing the math skills that are needed for poker is essential, and this workbook will help you to memorize key formulas and internalize them. This will lead to better intuition when it comes to things like frequency and EV estimation. So, don’t shy away from the math any longer and download this workbook today!