Financial markets are prone to fluctuation. Here, various risk factors are involved along with multiple strategies that you will encounter from time to time. Seasoned traders make various strategies that are parallel to the competitive market situation.
In this article, we will explain trading techniques that will help you to make better investment decisions.
Here is the list of five trading techniques that every trader must consider before investing:
1. Growth Investing
Growth investing is a trading strategy applied when a company continues to grow profits. The focus is entirely on the growth of the capital. Instead of improving operations, companies reinvest the profits to entice investors with dividends. You can attend our free Masterclass to understand many other vital strategies on our Bada Business community app.
2. Income Investing
In this strategy, any good stock is taken by collecting assets. Investors are paid a big part of the income for daily use, specifically when the situation for trading in the stock market is uncertain.
3. News trading
As per its name, this technique is based on news and market expectations before and following news releases. However, it requires a skilled mindset to do the fundamental analysis as news travel rather like a wildfire on digital media. The market needs the energy to move, which comes from information flow such as news releases. Traders will need to assess the news immediately after it is released and quickly judge how to trade it. To know everything about Share Market from the scratch, watch here:
4. End-of-day trading
The end-of-day trading strategy involves trading near the close of markets. End-of-day traders become active when it becomes clear that the price will ‘settle’ or close.
This strategy requires the studying of price action in comparison to the previous day’s price movements. End-of-day traders can then speculate how the price could move based on the price action and decide on any indicators used in their system.
Traders should create a set of risk management orders, including a limit order, a stop-loss order, and a take-profit order to reduce any overnight risk. Download our Bada Business community app to attend our Free Masterclass on trading in the stock market.
5. Intraday trading
Day trading or intraday trading is suitable for traders that would like to actively trade in the daytime, generally as a full-time profession. Day traders take advantage of price fluctuations in-between the market open and close hours. Day traders often hold multiple positions open in a day but do not leave jobs open overnight to minimize the risk of overnight market volatility.
Trading is purchasing and selling shares and the stocks of companies listed on the Bombay Stock Exchange (BSE) & SENSEX that are prone to fluctuation. One can invest and make a lot of profits by knowing the five strategies we have mentioned above. To learn more about these strategies, download our Bada Business community app. You can also attend our Free Masterclass on trading in the stock market.
Do you know the importance of Cost Benefit Analysis?
In any business or in your personal life, decision making plays a very important role. A decision can lead you to prosperity or failure.
Often, you would have come across questions like whether to change the house or not; whether to change the job or not; etc.
But the question is ’How to take a decision’?
Herein comes the concept of Cost and Benefit Analysis, which is essentially a great decision-making tool. It includes the analysis of Cost (the amount of money, effort, and time spend to perform an activity) and Benefit (the Outcome associated with that activity).
Cost and Benefit Analysis Definition
Cost and benefit analysis is an economic evaluation in which the non-financial cost should be considered as a financial cost and non-financial benefits should be considered as financial benefits.
For Example:
?
Many BPO, IT and Non-IT companies give an increment of only 5% in salary but add other small benefits like- Pick & Drop facilities, Snacks during break time or in the evening, etc.
Actually, many big companies try to touch their employees’ nerves or play with their mindset through cost and benefit analysis by giving a high level of comfort so that they cannot think about switching anywhere else.
In other words, the employees in these companies are not able to do the Cost and Benefit Analysis and hence, not able to take a decision to give a boost to their career growth.
’It is better to join a small startup, where you’ll get the high opportunity of Learning, Leadership, Salary, and Growth.’
– Jack Ma (CEO, Alibaba)
Evaluate the Economic and Non-economic Cost
Brainstorm all the costs and all the benefits-
First, add cost and then measure benefits
COSTS
– Add value of (Direct Cost + Indirect Cost + Opportunity Cost + Tangible Cost + Intangible Cost)
Vs.
BENEFITS
– Add value either in monetary terms or in terms of increased or decreased efficiency (Production + Employee Safety + Team Unity + Sales + Customer Goodwill + Brand Equity + Environment Protection + Turn over + Efficiency + Errors + Client Satisfaction + Enthusiasm + Global Expansion + New Markets + New Partners + Enjoyment)
Now check which one is more
If Cost is more than Benefits- Don’t take the decision.
If Benefits are more than Cost- Take the decision.
Example
Suppose you need to purchase machinery-
Add the following costs-
Costs
– (Price of Equipment + Transportation Cost + Manpower Training Cost + Electricity Cost)
Vs.
Benefits
– (Efficiency of Manpower+ Utilization of Time + Increase in Production + Morale of Employees)
If Cost is more than Benefits- Don’t Purchase that Machine.
If Benefits are more than Cost- Purchase that Machine.
Salary Negotiation Tips to Help You Reach Your Goals.
“Salary negotiation is the process of discussing and reaching an agreement on the compensation you will receive for your work.“
You can learn some key elements of negotiation by watching this video by Dr. Vivek Bindra:
Why Salary Negotiation is Important?
Salary negotiation is important for several reasons:
Fair compensation:Negotiating your salary allows you to ensure that you are being fairly compensated for the work that you are doing. It can help you avoid being underpaid and ensure that you are earning what you deserve.
Career growth:Negotiating your salary can also have a positive impact on your long-term career growth. By earning a higher salary, you can save more money, invest in yourself through education or training, and even take on more responsibility at work.
Confidence building:Salary negotiation can help you build confidence in your abilities and value as an employee. It can also help you develop your communication skills, which are essential for career advancement.
Setting a benchmark:Negotiating your salary can also help set a benchmark for future negotiations. If you accept a low salary now, it may be more difficult to negotiate for a higher salary in the future.
Overall, salary negotiation is an important part of career development and can have a significant impact on your financial and professional well-being.
Here are 5 Tips that will help you in negotiating well and reaching to the point of your desired salary:
Research and prepare:Before negotiating your salary, it’s important to do your research and gather information about the industry, job market, and the specific company you work for or are interviewing with. This will help you understand what the typical salary range is for your position and give you a better idea of what to ask for.
Know your value:It’s essential to know your worth and the value you bring to the company. Make a list of your skills, accomplishments, and contributions to the organization. Highlight how your skills and experience have helped the company grow or succeed. This will give you the confidence to negotiate a higher salary.
Practice your pitch:It’s important to practice your pitch and have a clear idea of what you want to say during the negotiation. Be assertive but respectful, and make sure to emphasize the value you bring to the company. Consider rehearsing with a friend or family member to get feedback and build confidence.
Be flexible:While it’s important to have a specific salary range in mind, it’s also important to be flexible during the negotiation process. Consider other forms of compensation, such as stock options or bonuses, that may be beneficial to you. Be open to compromise and finding a solution that works for both you and the company.
Don’t be afraid to walk away:If the negotiation doesn’t result in a salary increase that you find acceptable, it’s okay to walk away. Remember that you have value and other job opportunities available to you. Don’t be afraid to advocate for yourself and your worth.
Remember that negotiating your salary is an expected part of the job search and hiring process. By preparing beforehand and advocating for your worth, you can increase your chances of receiving fair and equitable compensation.
You can tell us your thoughts and suggestions about this article by commenting below. If you are looking for ways to start earning money or want to multiply your current income, you should register for the ANYBODY CAN DEFINITELY EARN Webinar by Dr. Vivek Bindra right now.
Artificial Intelligence (AI) is no longer just a buzzword—it has become a powerful tool for small and growing businesses in India. In 2025, with the small business sector contributing over 30% to India’s GDP and employing millions, AI is revolutionizing the way entrepreneurs operate by providing affordable, scalable, and practical solutions. Let’s explore how AI is helping small businesses achieve success.
Repetitive tasks like inventory management, customer support, and accounting can be time-consuming and tedious. AI simplifies these processes, allowing business owners to focus on growth. Imagine an AI chatbot handling customer inquiries 24/7 for a small retailer in Mumbai or a handicraft seller in Jaipur. With AI, businesses no longer miss out on sales, even when they’re offline. These tools are cost-effective, easy to integrate, and ideal for businesses with limited resources.
Market research can be expensive, but AI helps small businesses analyze customer preferences, buying patterns, and local trends using data from social media or sales records. For example, a Delhi street food vendor could predict the most popular items for weekends, reducing waste and maximizing profits. AI eliminates guesswork and enables businesses to make data-driven decisions with confidence.
Effective marketing is crucial for growth, but not all businesses can afford large campaigns. AI-driven advertising platforms allow small businesses to target the right audience at a lower cost. A rural artisan, for instance, can sell handmade products on Instagram or Amazon and reach customers across India or even globally—without needing a professional marketing team. AI-powered marketing tools help businesses expand their reach and visibility effortlessly.
AI also plays a key role in improving the customer experience. Personalized recommendations based on previous purchases can significantly boost customer satisfaction and loyalty. Imagine a clothing store in Bangalore suggesting outfits to customers based on their shopping history. By offering a tailored shopping experience, businesses can build strong relationships with their customers and encourage repeat purchases.
From automation to smart insights, AI is transforming how small businesses operate. It is not just a technological advancement—it is the future of business growth. By embracing AI, small businesses in India can enhance efficiency, increase profits, and stay ahead in an increasingly competitive market.
With the rise of online shopping, starting an e-commerce store is one of the most profitable business ideas today. You can sell fashion, electronics, home décor, or handmade products through platforms like Shopify, Amazon, and Etsy. Key Benefits:
Dropshipping allows you to sell products without holding inventory. Your supplier directly ships products to customers, reducing your risk and overhead. Why It’s Profitable:
Every business today needs digital visibility. Offering services like SEO, social media marketing, PPC advertising, and content marketing can be highly rewarding. How to Succeed:
If you’re skilled in writing, graphic design, programming, or consulting, freelancing is a great option. Platforms like Fiverr, Upwork, and Freelancer connect you with global clients. Popular Niches:
As an entrepreneur, one has to be ready to adapt to the changes happening in the business world. The faster you adopt the change, you will able to establish your brand. As per your thought process, the idea you had must be great only due to the rapid changes the idea can get submerged or can come out as flying colours.
These changes can be bases on the political landscape, economy, technology, and social changes that can boost or kill your idea. As an entrepreneur, one needs know-how competitive the business industry is. In this case, to stay ahead, one needs to be updated with the latest trends. These trends can be in terms of technology, work culture, or operations.
Therefore, by keeping this in mind, mentioning a few trends that as an entrepreneur can help you to grow. These trends will help you, team, or business in the coming years and beyond.
Build Your Business as Part of The Economy
As a business owner, you should always remember how you are giving inputs in the country’s economy. You must understand the circular economy, a business model in which you benefit the business society and the environment.
When you are the owner of a new start-up, it will be easy for you to follow this model as in the later phase, it can be difficult to incorporate the model. Once you follow this model, then it can help you to achieve a great advantage over the competition.
Work on Global Path
When you plan your business, always plan to work on a global basis. Once you start thinking about the global growth, don’t think only about your product or services, but also when you create a team, make sure it has diversification in terms of education, nationality, gender, and experience. It will help you to become innovative and built a strong foundation for growth.
For reaching your destination, you need to start taking steps towards it. So, if you dream of catering to a global market, then, you need to plan this from day one, and it should reflect on your action and planning.
Innovation Is The Secret to Growth
As a business owner, one needs to keep working on a new opportunity for growth and expansion. Innovation is your best friend in this case as it will help you to create a better product or service but also help you tell to sell it to the right target market.
To have an advantage over the competition, you need to make innovation a priority, as it is the best chance to remain in the industry and help you to have the business grow.
Use Of Technology For Operations
You can play safe and smart by using the right technology. Tools that save time helps you to accomplish the goals with fewer resources only. These technologies will help you to streamline work, correct use of resources, and have better results.
These steps help you to grow your business and bring more focus to the team working better in the right direction.
As an entrepreneur, we understand you have many tasks to finish, but keeping yourself updated with these trends is important for you and your business plus your team. To expand your business and stay in the competition, you need to focus on the right things and at the right time
Because of the lack of enough knowledge on how to pay off a loan early, many businessmen in India plunge into long-term debt due to lack of calculation and financial planning. And due to debts, businessmen develop various health issues like hypertension, anxiety, blood pressure, stress, and depression.
To be happy, you don’t need a piece of finance, you need financial peace.
You just need to know how to pay loan faster without disrupting your day-to-day functions.
In this article, we are discussing 8 effective ways of how to clear loans faster that will help you to get rid of life’s tension.
1. List your Debt by Interest Rate
Following significant steps will help you know how to pay loan faster than usual time span:
? List all your loans along with their interest rates either in ascending or descending order.
? Do not give equal EMI in all the loans.
? Complete the loan first that has the maximum interest and pay minimum EMI of other loans.
For Example
The interest rates of different loans are: Home loan – 8.3%; Car loan – 9%; Education loan – 10%; Personal loan – 12%; Unsecured loan – 20%; Credit card loan – 32%.
As the interest rates of credit card and unsecured loans are higher than the other loans, so, first complete these two loans. Keep the payment of other loans at a minimum.
2. Pay Incremental Gain Exponential
Let us know how to pay loan faster by paying more or double EMIs on the loans whose interest rate is high and get exponential gain.
Take the following example to understand how to pay off a loan early.
Parameters
Scenario 1
Scenario 2
Scenario 3
EMI
5,000
10,000
20,000
Time Taken for Closure
41 Months
13 Months
6 Months
Payment
–
2 times
4 times
Benefit
Nill
3 times
7 times
Total Amount Paid
2,05,000
1,30,000
1,20,000
In the above table, you can observe that if we increase the amount of EMI, then the total amount to be paid decreases. In this way, you get the exponential benefit through incremental payment.
3. Sell Unnecessary Items for at least 2 to 4 EMIs
Selling unnecessary items is another way to how to clear loans faster.
If you buy a product but not use it from last one year, then it is possible that it is your depreciating asset and useless for you.
For example, unnecessary furniture, old mobile phones, bags, books, and apparel.
You can sell the unnecessary items on OLX and Quikr. You can take out 4-5 EMIs of your loan by selling these things.
4. Temporary Downsizing
Temporary downsizing is one of the ways to how to pay off a loan early.
An intelligent person will buy an appreciating asset while a low IQ person will buy depreciating assets or liability or unnecessary objects.
Identify your unnecessary monthly subscription services, depreciating assets, and non-value adding objects.
Control these unnecessary expenses so that you can make some extra saving, for say 30%. You can use this saving to pay your EMIs.
5. Pay Loans with the Second Income
To know how to pay off a loan early, you need to analyze the total amount of income you have.
? If you have two earning members in your family, then use the income of one member to meet the family expenses and use the income of the other member to pay off your loans.
? If you are the only earning member in your family, then you should plan additional income through part-time jobs like freelance photography, content writing, LIC agent, catering, etc.
Identify your passion that will help you to get an extra income.
Use the additional income to pay off your loans.
6. Have an Emergency Savings Fund
You should consider the following pointers to understand how to pay loan faster:
? Maintain some emergency savings fund so that you need not take loans.
? Invest in equity and liquid debt funds that will help you to takeout funds easily.
7. Habit of Budgeting is an Extra Blessing
You need to adopt the following points to understand how to clear loans faster:
? Have a data-driven approach to your spending.
? Keep your intelligence above your emotions while spending.
? Make a budget to control your emotional spending.
Those who don’t manage their money will always work for those who do!
8. Throw any excess cash on your debt
Spend the extra money obtained from any source like tax refunds, bonuses, incentives, etc. to pay your debts.
Do not take loans in a hurry. Maintain your CIBIL score. Spend only when it is necessary.
At last, even if you know the strategy of how to pay loan faster, but you are not implementing then you are deliberately letting your loans eat all your savings and financial growth.
Hence, implementation is the key to pay your loans off swiftly.
A motivational speaker is a speaker who delivers speeches intended to inspire or motivate an audience. Such inspirational talkers may attempt to transform or challenge their audience.
Motivational speakers are ordinary individuals who have made their place in this world by going through a series of ups and downs in their lives.They learned from his experience and gained expertise in a particular area.They are manual not only for your professional challenges but also for the issues related to your personal life.
How does Business Motivational Speaker help you?
A business motivational speaker can help you in the following ways:
He/she reignites the passion to achieve your goals.
He/she motivates you to overcome personal as well professional challenges.
He/she inspires you to set and attain goals.
He/she pushes you out of your comfort zone.
So, when a person faces any situation in life where he/she gets stuck, loses direction, loses faith in his capabilities, gets surrounded by negative people, thoughts or situations, or when he or is completely lost a business motivational speaker can instill hope for a brighter future and confidence to attain success.
At such times, we need help from someone who could guide and inspire us to bring a wave of positivity to our lives. Someone who can influence, inspire and motivate us to bring about a change for the better so that we can sort out the problems of our lives. These mentors don the role of motivational speakers to provide help at the right time with their wisdom of words.
Anyone can motivate you. It could be in your family, friends, and relatives as they influence and encourage you in different phases of your life. For instance, as a teenager, your family, teachers, and friends influence you a lot while selecting a career option. These are the people who will always make sure you choose what is best for you.
Many people want to pursue this as a full-time career too. They want to become a motivational speaker because these days it pays well. With the right experience and passion for motivating people to achieve their dreams, you too can become a business motivational speaker.
Motivational speakers choose to do this to fulfill various objectives:
High-level executives who want to share their knowledge.
People who want to educate people in a particular field.
People who want to educate others about social issues and motivate them to take action in this direction.
People who guide others on personal or professional aspects of life.
People who have a story or passion that they want to share with others.
How can a motivational speaker influence the lives of people?
By inspiring people to bring about a change in their lives and achieve their goals.
By providing guidance or education in a particular field.
By aligning individuals with their goals.
By providing new ideas or perspectives to see things.
Are a Motivational Speaker and a Business Coach the same?
Though a motivational speaker and business coach do the same work, they influence and inspire people; there are several differences between the two.
Some of these differences are:
Motivational Speaker
Business Coach
Gives a motivational speech to a group of people from different backgrounds
Guides businessmen or employees on a one-to-one basis belonging to the same company
Inspires and motivates people to bring positivity to their lives
Enhances the knowledge and skills of businessmen and their employees by giving them tips and strategies to perform their work efficiently
Delivers a powerful and encouraging speech, which every individual in the audience can relate to and apply in their life differently
Gives a speech related to a particular topic like a strategy to increase sales, tips to reduce the cost of the company, tricks to create a positive attitude in employees towards the company, etc. So, all the people attending this session will reach the same conclusion.
Can a person develop expertise in both genres?
You can find several people who are either motivational speakers in India or well-trained business coaches, but very few can do justice to both roles.
But, there is definitely ‘one’ person who has been recognized and awarded for excellence in both- Dr. Vivek Bindra. Dr. Vivek Bindra is an international motivational speaker and business coach who has received many awards for his invaluable contribution to developing entrepreneurship in India.
Some of the global recognition awards that he has under his kitty are:
“Best Motivational Speaker” by the International Glory Awards 2019.
“Best Leadership Trainer in Asia” by Marshall Goldsmith at World HRD Congress.
“Best CEO Coach in India” by Times of India –Speaking Tree.
“Best Corporate Trainer in India” by Maruti Suzuki.
“Think Tank of Corporate Asia” by World Leadership Federation.
Dr. Vivek Bindra is one of the top motivational speakers in India and a renowned business coach. He is the Founder & CEO of one of the largest and most progressive organizations in South Asia– Bada Business Pvt. Ltd. (formerly known as Global ACT).
Dr. Vivek Bindra is recognized as the best motivational speaker in India and rewarded everywhere because of his immense knowledge of Business Strategies and his ability to empower entrepreneurs to make it big. As an Indian motivational speaker, he has shown the direction to millions of people to take control of their life and move towards happiness and success.
A little background on Dr. Vivek Bindra (Motivational Speaker in India & Business Coach)
1. Owner of the World’s No. 1 Most Subscribed Entrepreneurship YouTube Channel:
He owns the World’s No. 1 Entrepreneurship & Leadership Development YouTube Channel. He has more than 12 million subscribers globally and 700 million+ viewership
On his YouTube channel, he provides several business strategies and frameworks to solve the business problems of small businessmen, entrepreneurs, and Startups in India.
He also gives case studies on different companies, renowned personalities, and countries to motivate and inspire people.
His YouTube channel is a “Free Digital Learning University” whose objective is to empower every aspiring potential entrepreneur to start his own business and generate employment contributing to his vision of adding to the GDP of the country.
2. Founder & CEO of one of the Most Progressive Organizations – Bada Business Pvt. Ltd.
Apart from being one of the best Motivational Speakers in India, Dr. Vivek Bindra is a revolutionary entrepreneur as well. He is the Founder and CEO of Bada Business Pvt. Ltd. (formerly known as Global ACT). He established this company in 2010. It started as a training company that provides business training to corporates from different industries but has now grown into a ‘University of Entrepreneurial content’ for SMEs.
He is a trusted advisor for over 1500+ corporates and a guide to various entrepreneurs and other top-notch business entities. He has also been an inspirational pathfinder to various high-profile entrepreneurs and other top-notch business entities providing Leadership excellence for taking their organizations to the next level.
As a business coach, he has been instrumental in providing CEO coaching to over the Top 100 CEOs in the country.
3. Launch Various Programs and Events for Motivating People
Dr. Vivek Bindra has organized various seminars and events like Leadership funnel, Bounce Back, etc. wherein he dons the role of both a motivational speaker and a business coach and solves the problems of entrepreneurs by giving powerful tips, strategies, and frameworks.
Problem Solving Courses (PSCs) are designed to give practical solutions to the most frequent and prominent business problems around various business functions like Business Finance, IT, HR, Sales, Digital Marketing, Legal, etc. faced by entrepreneurs.
Recently, he has also launched Business Coaching Program under which anyone can get access to premium courses that are specifically designed to solve business challenges that entrepreneurs face.
Vision of Dr. Vivek Bindra
As the world best motivational speaker, his vision is to empower businessmen in a manner that they can expand their businesses not only in India but around the world. This will help in making India economically stronger; and further, take our country ahead on the path of becoming a developed nation.
Dr. Vivek Bindra’s mission is to help and guide the Indian entrepreneur who is struggling to establish and expand his businesses.
The objective of Dr. Vivek Bindra is entirely different from the people who have taken up motivational speaking as a career choice to either share their knowledge, earn money and fame or do it as a part of service to the society.
For his contributions to empowering and motivating entrepreneurs, Dr. Vivek Bindra has received 100+ awards. Some of them are:
Royal American University, Boston has rewarded him with the highest degree of “Doctorate” in the year 2020.
Hon. Chief Minister of Gujarat Shri Vijay Bhai Rupani awarded Dr. Vivek Bindra for his “Outstanding Contribution in the field of Entrepreneurship Development” in the year 2020.
Economic Times has rewarded him with the award of “Game Changer of the Year 2019.”
Conferred upon with “India’s Greatest Brands and Leaders –Pride of the Nation” award, process reviewed by PricewaterhouseCooper
World Leadership Federation has crowned him as the, “Think Tank of Corporate Asia”.
Dr. Vivek Bindra also holds a place in the Esteemed Golden Book of Records for “Training the Largest Gathering of HR Professionals under one Roof on the topic – Can HR Become a CEO?”
The awards and achievements of Dr. Vivek Bindra, whether as a motivational speaker in India, a business coach or an entrepreneur himself are endless, but the goal is one- to relentlessly work towards the growth of the nation and its people. As one of the best motivational speakers in India, it is his dream to make the entire nation a powerhouse full of entrepreneurs and he is leaving no stone unturned to make it a reality!
The Indian Institute of Technology (IIT Delhi) is set to release the GATE 2025 results today, March 19. Candidates will be able to check their scorecards and merit list on the official website — gate2025.iitd.ac.in — once released.
Result Time:
As per the latest reports, GATE 2025 result and merit list are expected to be released by afternoon today, most likely around 4 PM, though the exact time has not been officially confirmed by IIT Delhi yet.
New Delhi, March 18, 2025:
Samir Arora, founder and fund manager of Helios Capital, on Sunday remarked that US President Donald Trump is executing a “much-needed course correction” in the face of what he termed an inevitable financial reckoning for the United States.
Speaking on the current economic landscape, Arora acknowledged that Trump’s policies may cause some short- to mid-term discomfort. However, he emphasized that such tough measures are essential to ensure long-term financial stability for the country.
“President Trump’s actions may appear aggressive or painful in the immediate term, but they are necessary steps to steer the US economy away from unsustainable fiscal paths,” Arora said.
While he did not delve into specific policies, Arora hinted at growing fiscal imbalances and rising debt levels in the US economy, suggesting that corrective economic interventions are timely and vital.
He also pointed out that economic reforms often come with resistance, but history shows that bold policy decisions are what eventually safeguard the financial health of nations.
This perspective comes at a time when global investors are closely monitoring US fiscal and monetary strategies, inflation trends, and interest rate projections — all of which have a deep impact on global markets.
Arora’s remarks are likely to resonate with market observers who have expressed concerns over mounting US debt and the sustainability of government spending in recent years.
