Unleash Financial Mastery with 'Financial Management with Xero' Course! ð°ð Are you ready to take control of your finances and elevate your financial management skills to new heights? Look no further than our comprehensive 'Financial Management with Xero' course! ð Why Choose 'Financial Management with Xero'? ð Unlock the Power of Xero: Dive into the world of Xero, the leading cloud-based accounting software trusted by millions worldwide. Learn how to harness its robust features and functionalities to streamline your financial processes with ease. ð Gain Financial Clarity: Master the art of financial management, from budgeting and forecasting to cash flow management and financial analysis. Acquire the skills needed to make informed financial decisions that drive growth and success. ð¼ Enhance Career Opportunities: Stand out in today's competitive job market with in-demand financial management skills. Whether you're an aspiring accountant, small business owner, or finance professional, this course equips you with the expertise employers crave. ð§ Practical Hands-On Learning: Dive into real-world case studies, practical exercises, and interactive simulations to reinforce theoretical concepts and apply them to real-life scenarios. Gain practical experience that sets you apart from the competition. ð¨âð« Expert-Led Instruction: Learn from industry experts and seasoned financial professionals who bring years of experience and insights to the table. Benefit from their expertise as they guide you through every step of your financial management journey. Who is this for? ð©âð¼ Business Owners: Whether you're running a small startup or managing a growing enterprise, mastering financial management with Xero is essential for driving profitability and sustainable growth. ð Students: Aspiring accountants, finance majors, and business students looking to enhance their financial acumen and gain a competitive edge in their future careers will find immense value in this course. ð¼ Finance Professionals: From financial analysts and controllers to CFOs and accounting professionals, anyone looking to advance their career and excel in the field of finance will benefit from mastering Xero and financial management principles. Career Path ð Accountant: Unlock exciting opportunities as a certified accountant equipped with Xero expertise, offering financial management services to businesses of all sizes. ð¼ Financial Analyst: Dive into the world of financial analysis and reporting, leveraging your Xero skills to provide valuable insights and recommendations that drive business growth. ð Finance Manager: Lead financial strategy and decision-making processes as a finance manager, utilizing your Xero proficiency to optimize financial performance and drive profitability. ð Small Business Owner: Take your business to new heights with a solid understanding of financial management and Xero, empowering you to make informed decisions that fuel success and growth. FAQ Q: Is prior experience required to enroll in this course? A: No prior experience is necessary. This course is designed to accommodate learners of all levels, from beginners to advanced users. Q: How long does it take to complete the course? A: The duration of the course varies depending on individual learning pace and commitment level. However, most learners typically complete the course within [insert estimated duration]. Q: Will I receive a certificate upon completion of the course? A: Yes, upon successful completion of the course requirements, you will receive a certificate of completion, showcasing your mastery of financial management with Xero. Q: Is this course accredited? A: While this course may not be accredited by a specific governing body, it provides valuable skills and knowledge that are highly sought after in the finance industry. Q: Can I access the course materials on any device? A: Yes, the course materials are accessible on any device with an internet connection, allowing you to learn anytime, anywhere. Q: Is there ongoing support available during the course? A: Yes, our dedicated support team is available to assist you throughout your learning journey, addressing any questions or concerns you may have along the way. Q: Will I have access to updated course materials? A: Yes, as part of your enrollment, you will have access to updated course materials to ensure you stay informed of the latest industry trends and developments. Enroll Now and Empower Your Financial Future! Don't miss out on this incredible opportunity to master financial management with Xero and take your career to new heights. Enroll now in our 'Financial Management with Xero' course and unlock the door to financial success and prosperity! ðð¼ð Course Curriculum Module 1 Introduction to Financial Management and Xero Introduction to Financial Management and Xero 00:00 Module 2 Financial Data Entry and Recording with Xero Financial Data Entry and Recording with Xero 00:00 Module 3 Streamlining Financial Workflows and Efficiency with Xero Streamlining Financial Workflows and Efficiency with Xero 00:00 Module 4 Advanced Financial Management and Compliance in Xero Advanced Financial Management and Compliance in Xero 00:00 Module 5 Integration Strategies and Continuous Improvement with Xero Integration Strategies and Continuous Improvement with Xero 00:00 Module 6 Cash Flow Management and Financial Planning with Xero Cash Flow Management and Financial Planning with Xero 00:00
he role of a CFO extends beyond day-to-day financial management and plays a pivotal role in preparing a business for an exit. The role of a CFO extends beyond day-to-day financial management and plays a pivotal role in preparing a business for an exit, whether it be through a merger, acquisition, or other strategic transaction. Here are some key points to consider: Financial Due Diligence: CFOs play a crucial role in conducting financial due diligence to assess the company’s financial health and identify any potential risks or issues. This involves reviewing financial statements, accounting practices, contracts, and other financial data to ensure accuracy and transparency. Valuation and Financial Modeling: CFOs work closely with the executive team, external advisors, and investment bankers to determine the company’s valuation. They develop financial models, assess growth projections, and analyze market comparables to arrive at a fair and realistic valuation range. Financial Documentation and Reporting: CFOs ensure that financial documentation and reporting are in order, accurate, and compliant with regulatory requirements. This includes preparing financial statements, management reports, and other financial disclosures necessary for the exit process. Negotiation and Deal Structuring: CFOs collaborate with legal and executive teams to negotiate the terms of the exit transaction. They provide financial insights and expertise to structure the deal in a way that maximizes value for the company and its stakeholders. Tax Planning and Optimisation: CFOs work closely with tax advisors to develop tax-efficient strategies for the exit transaction. They assess potential tax implications, explore tax-saving opportunities, and ensure compliance with applicable tax laws and regulations. Financial Communication and Investor Relations: CFOs play a critical role in communicating the financial aspects of the exit to internal and external stakeholders. They work with investor relations teams to ensure that key messages are effectively conveyed, providing transparency and clarity throughout the exit process. https://www.fdcapital.co.uk/podcast/the-vital-role-of-cfos-in-business-exit-preparation/ Tags Online Events Things To Do Online Online Seminars Online Business Seminars #business #cfo #preparation #exit #vital
Explore the world of cartography with the QGIS Cartography course. Uncover the power of Geographic Information Systems (GIS) and learn to create visually compelling maps. Delve into sections covering labels, symbology, base layers, and project setup. Discover techniques for styling water and land elements, and access valuable resources to enhance your cartography skills. Learning Outcomes: Understand the fundamentals of cartography and Geographic Information Systems (GIS). Learn to effectively label features on maps for clarity and readability. Explore various symbology techniques to visualize data and convey information. Create and customize base layers to provide context to your maps. Set up projects in QGIS, including organizing data and defining map layouts. Develop skills in styling water elements to enhance map aesthetics. Master the art of land styling, emphasizing topography and terrain representation. Access additional resources to expand your knowledge and cartographic expertise. Why buy this QGIS Cartography? Unlimited access to the course for forever Digital Certificate, Transcript, student ID all included in the price Absolutely no hidden fees Directly receive CPD accredited qualifications after course completion Receive one to one assistance on every weekday from professionals Immediately receive the PDF certificate after passing Receive the original copies of your certificate and transcript on the next working day Easily learn the skills and knowledge from the comfort of your home Certification After studying the course materials of the QGIS Cartography you will be able to take the MCQ test that will assess your knowledge. After successfully passing the test you will be able to claim the pdf certificate for £5.99. Original Hard Copy certificates need to be ordered at an additional cost of £9.60. Who is this course for? This QGIS Cartography course is ideal for GIS enthusiasts interested in mastering cartographic techniques. Geographers, urban planners, and environmental scientists seeking to enhance their mapping skills. Professionals involved in spatial data visualization and analysis. Students and researchers in fields related to geography, geospatial sciences, and urban planning. Prerequisites This QGIS Cartography was made by professionals and it is compatible with all PC's, Mac's, tablets and smartphones. You will be able to access the course from anywhere at any time as long as you have a good enough internet connection. Career path GIS Analyst - Average Earnings: £25,000 - £40,000 per year. Cartographer - Average Earnings: £25,000 - £35,000 per year. Geospatial Data Specialist - Average Earnings: £30,000 - £45,000 per year. Urban Planner - Average Earnings: £25,000 - £40,000 per year. Environmental Scientist - Average Earnings: £25,000 - £40,000 per year. Course Curriculum Section 01: Introduction Introduction 00:01:00 Section 02: Labels Labeling Basics 00:03:00 Labeling - Text Properties 00:02:00 Label Formatting 00:06:00 Label Buffers 00:04:00 Labels - Backgrounds 00:03:00 Label Shadows 00:03:00 Labeling Callouts (Leader Lines) 00:03:00 Labels - Placement 00:04:00 Labels - Rendering 00:05:00 Labeling Over Orthos 00:06:00 Fine Tuning Labels 00:03:00 Section 03: Symbology Styling Single Points Lines and Polygons 00:11:00 Styling Categorical Data 00:08:00 Styling Graduated Data 00:04:00 Shapeburst Fills 00:03:00 Texture Fills 00:04:00 Inverted Polygons 00:03:00 Advanced Lines 00:08:00 Section 04: Base Layers XYZ Tile Basemaps 00:04:00 Getting Data from the OSM Website 00:07:00 Getting Basemaps from the QuickMapServices Plugins 00:05:00 Getting OSM Data with Overpass Turbo 00:06:00 Rule Based Symbology 00:10:00 Rule Based Labeling 00:03:00 Bringing in Mapbox Baselayers (an Introduction) 00:13:00 Natural Earth Data 00:07:00 Section 05: Project Setup Setting Up a Page Layout 00:14:00 Layout Templates 00:05:00 Creating Map Grids (Lat & Long Graticules) 00:08:00 Inset or Overview Maps 00:05:00 Global Overview Maps 00:05:00 Adding a Legend 00:07:00 Adding Text to a Layout 00:03:00 Adding Images 00:05:00 Section 06: Water Styling Coastal Glow Effect 00:03:00 Concentric Water Lines (Equally Spaced) 00:05:00 Concentric Water Lines (Variably Spaced) 00:08:00 Half Tone Coastal Fill Pattern 00:06:00 Section 07: Land Styling Getting DEMs from USDA/NRCS 00:08:00 Creating Contour Lines from DEMs (in Feet and Meters) 00:11:00 Labeling Contour Lines 00:06:00 Drop Shadowing Polygon Features 00:03:00 Section 08: Resources Resources - QGIS Cartography 00:00:00 Assignment Assignment - QGIS Cartography 00:00:00
Overview This comprehensive course on Adobe Lightroom will deepen your understanding on this topic. After successful completion of this course you can acquire the required skills in this sector. This Adobe Lightroom comes with accredited certification from CPD, which will enhance your CV and make you worthy in the job market. So enrol in this course today to fast track your career ladder. How will I get my certificate? You may have to take a quiz or a written test online during or after the course. After successfully completing the course, you will be eligible for the certificate. Who is This course for? There is no experience or previous qualifications required for enrolment on this Adobe Lightroom. It is available to all students, of all academic backgrounds. Requirements Our Adobe Lightroom is fully compatible with PC's, Mac's, Laptop, Tablet and Smartphone devices. This course has been designed to be fully compatible with tablets and smartphones so you can access your course on Wi-Fi, 3G or 4G. There is no time limit for completing this course, it can be studied in your own time at your own pace. Career Path Learning this new skill will help you to advance in your career. It will diversify your job options and help you develop new techniques to keep up with the fast-changing world. This skillset will help you to- Open doors of opportunities Increase your adaptability Keep you relevant Boost confidence And much more! Course Curriculum 18 sections • 102 lectures • 08:47:00 total length •Introduction: 00:04:00 •Requirements: 00:04:00 •Downloading Images: 00:01:00 •Getting Familiar with Lightroom: 00:02:00 •Versions of Lightroom: 00:03:00 •Lightroom UI: 00:03:00 •Step Process: 00:07:00 •Importing Photos: 00:09:00 •Adding More Photos: 00:03:00 •Ingesting Wrap Up: 00:03:00 •Library Wise Section Overview: 00:01:00 •Grid View Loupe View: 00:03:00 •Full Screen Lights Out Tab View: 00:05:00 •Survey View: 00:03:00 •Compare View: 00:02:00 •Library Views Section Wrap Up: 00:04:00 •Minimal VS. 1-to-1 Previews: 00:07:00 •Lightroom Catalogue: 00:09:00 •LRPREV Files Merged: 00:06:00 •Creating Folders When Moving Photos: 00:06:00 •Deleting Photos: 00:04:00 •Keyboard Shortcuts: 00:03:00 •Grid Loupe View Options: 00:09:00 •Thumbnail Badges: 00:02:00 •Flags Ratings Labels Section Overview: 00:03:00 •Flags Ratings Colour Labels: 00:06:00 •Attributes Filter: 00:06:00 •Section Wrap Up: 00:02:00 •Collection Overview: 00:02:00 •Collections: 00:05:00 •Target Collections: 00:03:00 •Collection Sets: 00:03:00 •Smart Collections: 00:03:00 •Collections Wrap Up: 00:02:00 •Keywords Overview: 00:01:00 •Keywords: 00:04:00 •Keyword Sets: 00:03:00 •Keyword List: 00:04:00 •Metadata Library Filter Part 1: 00:04:00 •People View Complete: 00:09:00 •People View Adding Names: 00:04:00 •GPS Map View: 00:09:00 •Explaining Metadata: 00:08:00 •Metadata Library Filter Part 2: 00:03:00 •IPTC XMP EXIF: 00:04:00 •Keywords Metadata Wrap Up: 00:04:00 •Workflow Ingest: 00:06:00 •Workflow Digest: 00:07:00 •Workflow Export: 00:04:00 •Quick Exporting: 00:07:00 •Emailing Photos: 00:06:00 •Exporting Presets: 00:11:00 •Developing Module Intro: 00:11:00 •White Balance: 00:08:00 •Exposure Contrast: 00:03:00 •Blacks Whites Highlights Shadows: 00:06:00 •Clarity Vibrance Saturation: 00:09:00 •Basic Summary: 00:06:00 •Auto Tone: 00:06:00 •Before and After: 00:04:00 •Dehaze: 00:05:00 •Black and White: 00:06:00 •Editing JPG in Photoshop: 00:09:00 •Smart Objects and Lightroom: 00:07:00 •Sharpening: 00:09:00 •Noise Reduction: 00:06:00 •Previous Copy Paste Sync: 00:07:00 •Vignette Grain: 00:06:00 •Crop Straighten: 00:07:00 •Spot Removal: 00:13:00 •Spot Removal Custom Lines: 00:05:00 •Spot Removal Straight Lines: 00:03:00 •Red Eye Correction: 00:05:00 •Graduated Filter: 00:08:00 •Radial Filter: 00:07:00 •Adjustment Brush and Filters: 00:08:00 •Tool Strip Wrap Up: 00:05:00 •Understanding HSL: 00:08:00 •HSL Examples: 00:09:00 •Split Toning: 00:05:00 •Slideshow Overview: 00:12:00 •Make Slideshows Quickly: 00:04:00 •Slideshow Skyline Sync to Music: 00:02:00 •Slideshow Skyline Fit to Music: 00:03:00 •Slideshow Jazz Fit to Music: 00:03:00 •Downloadable Resources: 00:02:00 •How to Use and Assignments: 00:03:00 •Story: 00:05:00 •Aimee Demo Part 1: 00:08:00 •Aimee Demo Part 2: 00:03:00 •Assignment Set Attributes: 00:03:00 •Aimee Demo Part 3: 00:11:00 •Aimee Level 2 Cleanup: 00:09:00 •Assignment Times Num Photos: 00:02:00 •Project 1: 00:03:00 •Project 2: 00:03:00 •Lightroom Presets from GraphicRiver and Creative Market: 00:02:00 •Photo Credits: 00:02:00 •Conclusion: 00:02:00 •DNG Converter: 00:14:00 •Updating Lightroom Classic: 00:04:00 •Practice Materials: 00:00:00
This workshop will help you improve the impact, clarity, accuracy and effectiveness of your sales proposals. It takes bid and proposal teams right through the process, from start to finish - from forming the team and gathering the information, through to writing and reviewing the proposal document, and on to presenting it to the client. The learning points shared in the programme come from the trainer's extensive real-world experience with a wide variety of businesses. As a result of attending this programme, participants will be able to: Write more clearly, more grammatically and more persuasively Structure their written communications more effectively Avoid the 'howlers' that can cost you business Impress your clients Win more business 1 Bid strategy How to combine your knowledge of the market or customer, your products and services, and your competitors, to create a quality bid New insights into your comparative advantages and competitive position in the marketplace Understanding more about how your client views you and other suppliers A plan of attack to build on your strengths and attack the weaknesses of your competition Dealing with RFP/ITT situations 2 Teamwork How a bid or proposal team needs to prioritise and manage preparation time Co-ordinating input from team members Agreeing responsibilities 3 The importance and role of a well-written sales proposal Why bother? - the value of the sales proposal to you and to the customer What the customer wants and needs to make a decision in your favour Understanding and delivering on customer expectations Review and discussion of different proposals - with real-life examples 4 The best way to structure your sales proposals A section-by-section, page-by-page review of best practice in structuring great sales proposals How to improve the way you match your proposal to the customer's objectives and requirements Plan your sales documents systematically - to make them easy to read and more persuasive How to make your proposal look like the 'least risky' option 5 Making your proposal a compelling and persuasive proposition Choosing the right words that sell effectively Selecting the right content and information for your document or proposal Using an option matrix to summarise complex choices and increase final order value How to write an executive summary 6 Well-written and error-free Developing your writing style for maximum impact Expressing the content (ie, selling points) clearly, concisely and correctly Proof-reading and editing work effectively, using formal marks and techniques Improving visual layout, format and appearance Keeping it customer-focused 7 Presenting to the client - overview Presentation options Understanding the client's objectives - as well as your own The proposal review meeting - logistics Managing to the next step Designing and delivering a compelling presentation Isolating objections and concerns Follow-up and follow-through 8 Positioning your final proposal Finalising your bid - presenting the right 'best few' USPs, features and benefits and making them relevant and real to the customer Smart ways to position price and be a strong player - without being the cheapest How to differentiate yourselves by how you present, as well as what you present How to design and deliver a successful bid presentation 9 Bid presentation practice session with structured feedback Participants work in small groups or pairs to prepare and later present a sample section from a real life bid or proposal presentation The trainer will provide assistance and input During group review and discussions, input from others will be encouraged and many best practice ideas summarised 10 Managing the end game How best to draw-out, understand, isolate and answer customer objections, negotiate points and concerns How to read the situation to plan the next step Identifying negotiation tactics - and how to deal with them Planning for a negotiation and how to get the customer feel they have the 'best deal' 11 Workshop summary and close
Sarah J Naylor is a Career Transformation Strategist, Life Coach, Author, and has over 36 years of experience in recruitment, 9 spent running her own business. Through her course, Sarah aims to help individuals: Find their dream job Change careers Get on track Her belief is that everyone deserves an extraordinary life, filled with happiness and fulfillment. By engaging with the course, participants can: Identify their true essence Discover what brings them joy Shift their mindset to clarify intentions Visualize their desired outcomes Sarah empowers individuals to pursue their dream jobs, encouraging them to strive towards achieving their goals. Who is this course for? I designed this course for those of you who have decided that now is the time to find your ideal / dream job, but need some assistance and direction. It is also for those of you who want to make changes, whether that is a new job in the same sector or a completely new career focus. I’m passionate about encouraging you to really think about who you are and what you want to do, and to acknowledge your unique talents, skills and passions. I want you to know that it is possible to find your perfect job, and it doesn’t have to be hard work either! Do you want to reduce the time it takes to find the right job for you, and make the whole process run a lot more smoothly? Have you been made redundant? Has it sent you into a spin? Maybe you need help to get clear on what to do next – to take this as a positive opportunity to make positive changes to your life? Are you seeking a career change? Do you want to follow your passions and live your life with more purpose? Then this course is for you! The course will help you get to know yourself – to really strengthen and identify those elements that make you who you are, and that perhaps you haven’t really recognised and explored as yet. It will also encourage you to follow your passions when you make career decisions, rather than taking jobs that you’ve been told that you ‘should’ be doing. The course aims to encourage you to be more aware of yourself, and mindful of your thoughts and actions, and to inspire you to think about work / earning a living in a completely different way. Through identifying your values, knowing what is important to you and what you are passionate about, you can make a really positive and focused step closer to accomplishing the things you want to achieve. This, in turn, will enable you to work towards fulfilling your potential, and living a happier and healthier life. I hope that the course will also help you to understand and acknowledge that you have the power within you to create the life you want to live. It’s about discovering that once you know what you want, magic can happen and you don’t need to make multiple job applications – it’s really very simple!
**10 FREE QLS Endorsed Certificates and Included with Lifetime Access** In today’s ever-shifting regulatory climate, understanding the rules of engagement is no longer a nice-to-have—it’s essential. This course offers a sharp look into the frameworks that keep organisations steady amidst uncertainty. Whether you're part of a small business or a larger corporate setup, staying ahead of the risks and knowing how to respond when the unexpected knocks is no longer optional. Here, learners gain clarity on the mechanisms that support strong internal oversight, policy awareness, and risk handling—without having to sift through mountains of jargon. The content is thoughtfully structured to walk you through vital concepts step by step, designed with professionals, managers and keen learners in mind. From operational pitfalls to governance essentials, the course breaks down key elements into digestible parts, always with an eye on clarity and relevance. It’s entirely online, meaning you can take charge of your learning on your own schedule—no train fares or seminar buffets required. Whether you're brushing up or starting fresh, it’s a tidy way to boost your know-how and keep your knowledge aligned with industry expectations. Compliance and Risk Management - QLS Endorsed Bundle Includes the following Courses Course 01: Certificate in Compliance and Risk Management at QLS Level 3 Course 02: Diploma in AML, KYC & CDD at QLS Level 4 Course 03: Diploma in Accounting and Finance at QLS Level 5 Course 04: Award in Accounting & Bookkeeping at QLS Level 2 Course 05: Diploma in Business Analyst Training at QLS Level 5 Course 06: Award in Business Finance at QLS Level 2 Course 07: Diploma in Business Law at QLS Level 5 Course 08: Diploma in Financial Reporting at QLS Level 4 Course 09: Diploma in Forex Trading at QLS Level 5 Course 10: Certificate in GDPR Training at QLS Level 3 Learning Outcomes Navigate financial regulations for effective compliance. Execute due diligence processes with precision. Master accounting and bookkeeping principles. Analyse business data for strategic decision-making. Understand the legal framework governing businesses. Communicate financial information transparently. Gain expertise in Forex trading dynamics. Implement GDPR principles for data protection. Develop robust risk management strategies. Apply anti-money laundering measures effectively. Key Features 10 FREE QLS Endorsed Certificate Fully online, interactive course Self-paced learning and laptop, tablet, smartphone-friendly 24/7 Learning Assistance Discounts on bulk purchases As the heartbeat of successful enterprises, compliance and risk management are the twin pillars that fortify your business against uncertainties and propel it towards prosperity. Immerse yourself in a comprehensive exploration of financial regulations, risk mitigation, and legal frameworks that underpin the business landscape. Navigate the complexities of AML, KYC, and CDD, gaining expertise in financial integrity protocols crucial for safeguarding organisations. Dive into the intricate realms of accounting, finance, and business law, refining your understanding at each QLS level. Our diploma in Business Analyst Training equips you with analytical prowess, essential for strategic decision-making. Acquire knowledge in GDPR compliance, ensuring your ability to navigate the evolving data protection landscape. Whether you aspire to reinforce your current role or transition to a new sector, this bundle is your gateway to a versatile skill set. With courses designed to align with industry demands, you'll stand out in today's competitive job market. Certificate Once you've successfully completed your course, you will immediately be sent a CPD-accredited PDF certificate. Also, you can have your printed certificate delivered by post (shipping cost £3.99). After successfully completing the assignment, learners will be able to order FREE QLS Endorsed certificate for Each Courses. CPD 60 CPD hours / points Accredited by CPD Quality Standards Who is this course for? Professionals aspiring for financial expertise. Individuals entering the compliance and risk field. Business analysts seeking advanced training. Finance professionals aiming for legal comprehension. Those keen on mastering GDPR regulations. Individuals interested in forex trading. Aspiring accountants and bookkeepers. Professionals aiming for a well-rounded skill set. Career path Compliance Officer Risk Analyst Financial Analyst Business Analyst Forex Trader Legal Consultant Certificates Digital certificate Digital certificate - Included Hard copy certificate Hard copy certificate - Included Hardcopy Certificate (UK Delivery): For those who wish to have a physical token of their achievement, we offer a high-quality, printed certificate. This hardcopy certificate is also provided free of charge. However, please note that delivery fees apply. If your shipping address is within the United Kingdom, the delivery fee will be only £3.99. Hardcopy Certificate (International Delivery): For all international addresses outside of the United Kingdom, the delivery fee for a hardcopy certificate will be only £10. QLS Endorsed Certificate Hard copy certificate - Included