Business
Remote, Back to Office, or Hybrid? 4 FP&A Challenges to Consider

The ongoing shift in the workplace, which has been nurtured by our ability to work remotely and the flexibility that companies need in order to cope with the unpredictable, has forced companies to rethink how and where they want to work: fully remote, return to the office, or hybrid work. Deciding which model fits their team best is a key strategic move, and it’s one that financial planning and analysis (FP&A) teams will have a crucial say in. There are, however, four important challenges that FP&A teams will need to tackle in order to provide the best support for their organizations. Let’s discuss them.
1. Understanding the shifts of a dynamic workplace
FP&As need to go beyond the numbers of their financial statements. In fact, they need to understand the trends that are shaping today’s workplace and the hurdles that a company may face if it opts to return to the office or go fully remote. In order to improve financial planning and deliver better insights, it is important for finance professionals to understand the implications associated with each option and the trends that are shaping the corporate world.
Based on data from various surveys, Nikodem Szumilo, Associate Professor at University College of London, and Thomas Wiegelmann, managing director of Schroder Real Estate, argue that there’s enough evidence that “most office workers actually want to go back to an office — but only two or three days per a week.” This kind of information should be taken into consideration by FP&As when measuring and forecasting things like productivity and retention rates.
Finance teams must understand the complexity that the various options in today’s workplace offer, as well as the fact that an option that suits employees best might not do the same for management. Finance can play a key role in making sure that both parties are happy, while also moving the company in a strategic direction.
Let’s look at this example: Many managers are eagerly looking forward to bringing employees back to the office to be able to physically keep tabs on their work progress. But if employees are rooting for a remote (or hybrid setup), it can be financed by a job to bring up tools like a project time tracker. Not only does this help managers have a better handle on their team’s work, but it also provides useful insight into business operations, finance, and daily decision-making.
2. Adopting a more strategic role
The modern finance department is rapidly moving from a transactional thinking approach to a strategic one. “The new operating model of finance recognizes the subject matter expertise of FP&A and its focus on delivering the best data for business decision-making,” explains Anders Liu-Lindberg, leading advisor to senior Finance and FP&A leaders.
Being able to meet that role will certainly be a challenge for many FP&A teams that are still solely focused on the transactional side of their business. Even if managing the cash flow is still an essential part of their job, finance professionals need to update their role within the organization. “The traditional roles of transaction processing and reporting remain, of course, but in an automated form that releases resources to explore value drivers in the business and move the focus to plan with an uninterrupted forward-looking view. FP&A is at the very heart of business decision-making,” argues Liu-Lindberg.
In terms of financial forecasting and financial planning, for example, FP&As should encourage their companies to truly understand where and how their employees would like to work. If they are able to gather and analyze such information, they will be able to better predict the amount of capital the company will need to invest in certain areas.
“If your organization is enforcing a strict back to the office mandate, you’ll likely need to plan for additional recruitment fees and training, as well as allowing for dips in productivity as you replace the people who inevitably resign,” argues Kevin Phillips, Founder, and CEO of idu Software. Considering this, if you are able to collect information about your employees’ working preferences, you will be able to forecast much more precisely.
3. Quantifying the impact of all the scenarios
Whether you are going fully remote, opting for a hybrid workplace, or going back to the office, this is one of the biggest challenges that FP&A teams need to face. In fact, in any of these scenarios, there are considerations to make from the financial point of view. According to Phillips, the following are the three things FP&A teams need to consider when quantifying the impact of each option:

Let’s review some of the practical costs that companies need to consider when opting for any of the three scenarios above.
Working from home 100%
If you decide that you and your employees are going to be working from home on a regular basis, “you need to account for mortgage and lease liabilities. What will it cost to get out from under a long lease agreement or to sell commercial real estate?” asks Janet Schijns, CEO of JS Group. Considering the crucial role that rent plays in any budget strategy, this is an important consideration to make.
Apart from lease liabilities, any financial planning needs to evaluate the remote setup costs that your employees may need. For those with a high-speed Internet connection, good hardware, and comfortable working space, things may be simple. However, for some other people, the remote setup costs could be steeper.
In fact, for “a telehealth provider or call center agent, you may need to cover VPN access, HIPAA-certified unified communications and collaboration licenses, secure cloud storage, improved broadband access, remote tech support, cyber insurance that covers risks associated with remote access and in some cases mobile devices and plans,” explains Schijns. On top of that, you may even need to reimburse some of your remote employees for the expense associated with their work.
However, going 100% remote work also offers some cost-saving benefits. Apart from not having to pay rent for a big office, the possibility of bringing remote hires into your team represents a good opportunity for saving money. “You can now hire top talent from anywhere in the world and pay them more than what they would earn locally, but less than what you’d have to pay at home. This is a win-win situation, especially for your salary costs,” argues Phillips.
Along those lines, FP&A teams must treat all the technological investment and organizational changes their companies adopted during the pandemic as an investment that favors the remote work option. The biggest cost of switching to remote or blended work is the cost of adapting to the new technology has already been paid. Nobody should commit to long-term remote work because they want to recover the sunk cost of moving online due to the pandemic. However, the pandemic irreversibly reduced the cost of switching to remote work and made this choice cheaper,” argueSzumilo and Wiegelmann.
Return to office
As we mentioned before, if you want everybody to go back to the office, your financial planning needs to consider the potential of facing resignations from employees who don’t want to lose the flexibility they gained during the pandemic. This will have an impact in terms of recruiting fees, training costs, and the additional perks you may need to offer if you want to persuade your top performers to stick with you.
Furthermore, any budget strategy designed around the option of going back to the office needs to bring into consideration some sort of investment in perks capable of compensating for the loss of flexibility and additional costs (e.g. commute, gas, lunches) that employees will need to pay when returning to the office.
Some companies are, indeed, already offering practical solutions to their employees. For instance, Bloomberg is giving its US employees a $75 daily commuting stipend while PwC in the UK is offering an extra £1,000 for commuters. “But these perks and stipends certainly don’t extend to all companies–meaning people are not only being asked to give up remote work but also spend more to do it,” argues writer Sophia Epstein.
The costs associated with healthy environments, however, are an element that should play an important role in the financial planning of any organization, and FP&As will play an important role in guiding companies in making the right investments. “More robust air filtration and newly installed outdoor spaces are among the items that will add to developers’ costs when more employees return. New cleaning practices may make those services more expensive, and landlords are offering new amenities to lure tenants back,” explains writer Julie Weed.
Providing this kind of guidance, however, can be a big challenge for FP&A teams that need to deal with top executives unwilling to incur those kinds of expenses. To tackle this, FP&A professionals need to quantify the potential effects of not implementing some of the needed structural changes. As stated by Nellie Brown, a health and safety specialist who provides training and technical assistance for New York State workplaces, “if you don’t spend money on upgrading your ventilation, you might be spending it on sick people.”
Hybrid workplace
Considering everything we mentioned about the two previous scenarios, it is easy to understand why a hybrid workplace has been embraced as the ideal to move forward by so many organizations around the world. While this model partly combines the disadvantages of the other two options, it fully combines the best of both worlds. For instance, with a hybrid work model, you will be able to improve your retention rate while saving costs on office space.
From the financial point of view, the reduction of office space is, in fact, one of the most attractive elements of a hybrid workplace. In fact, there is a broad consensus among CEOs that organizations will need less office space in the future. “This could drive significant cost savings in both operating costs and capital expenditures,” argue Deloitte managers James Griffin and David Asker.
In spite of these benefits, finance teams should carefully assess all the pros and cons that come with this model. In order to do that, FP&As will need to analyze the data accurately, and this could be a significant challenge for organizations that are still relying on spreadsheets and lack automation and data collection tools.
4. Making a strong business case
Right now, the business case that CEOs and top managers are using to justify the return to the office gravitates around two variables: productivity and management. The rationale is that some employees are more productive when they work in the office. Plus, many leaders think having everybody at the office allows managers to monitor the performance of those employees more effectively.
The problem with this rationale is that there’s little evidence that supports such claims. In fact, there are numerous surveys that claim just the opposite. Because of this, one of the most important emerging challenges faced by the finance controller today relies on its ability to provide guidance in regard to the business case that a company uses to justify the return to the office.
If you want to make your case in terms of productivity and management, you need numbers that support those arguments and this is where an FP&A team needs to provide support. However, coming out with those numbers may be difficult especially if productivity has been sustained during the health crisis.

An opportunity to update your company
Not all FP&A teams will need to deal with the challenges we mentioned above. For some companies, the decision to bring their employees back to the office has been already made with hardly any single financial consideration other than a space cost-saving strategy. In a world where so many people are scared to death to lose their jobs and so many managers need physical control to legitimize their roles, companies have found little to no resistance when ordering people to go back to the office.
However, companies that are truly interested in improving their KPIs, building a healthy corporate culture, and saving costs through a well-defined budget strategy and financial planning, need FP&A teams that are strategic and able to quantify (with the right tools) all the possible options to move forward. By doing that, they will not only provide valuable insights into the organization, but they’ll also reinforce the business case that companies need to persuade employees to do their best. Meeting the challenges we mentioned throughout this article represents a great opportunity to update and prepare your company for the future.

Business
How to Avoid Paypal Merchant Fees for Small Businesses

PayPal’s global presence in over 200 nations and its ability to handle multiple currencies positions it as a preferred choice for cross-border transactions. Its seamless process for exchanging currencies and facilitating payments between buyers and sellers offers a significant advantage over conventional methods like bank transfers.
The convenience of PayPal comes with its own set of costs, particularly when it comes to services like invoicing. There are several effective strategies to circumvent these expenses. Explore innovative ways to reduce or eliminate PayPal invoice fees or charges.
Best Ways To Reduce PayPal Transaction Fees For Small Business

1. Choosing the Right Paypal Account for Business
If you’re running a small to medium-sized business, picking a PayPal Business account is a smart move. It’s a bit different from a Personal account because, even though it costs a little, it’s packed with features that really help your business grow.
For instance, You can handle more and bigger transactions, take payments from customers who don’t even have PayPal, and get access to special services just for businesses. If you’ve got a team, everyone can use the account. It’s not just about making payments easier; it’s also about looking professional to your customers and managing your money better.
2. Smart Invoicing Techniques to Lower PayPal Costs
A smart move is to merge several small sales into a few larger invoices. This method reduces the number of transactions processed via PayPal, which in turn lowers the total fees. For example, instead of billing a client several times for minor amounts, it’s more economical to issue a single, combined invoice at the end of a month or service period.
This not only cuts down on frequent transaction fees but also makes your financial tracking simpler and more efficient. Detailed invoices with explicit payment terms also minimize disputes and chargebacks, further saving money. Effectively using PayPal’s invoicing features adds a touch of professionalism to your billing, improves the overall customer experience, and can even speed up the payment process.
3. Bank Transfers and E-checks
These payment methods are often more affordable than the usual credit or debit card payments, as they generally come with lower PayPal fees. This makes a big difference, especially for businesses on a tight budget. In the U.S., bank transfers (known as ACH transfers) are especially useful for larger transactions because they have a smaller fixed fee compared to the percentage-based fees of card payments.
E-checks, or electronic checks, are another great option, combining the security we expect from traditional checks with the convenience and speed of online transactions. They let customers pay directly from their bank accounts, cutting down on fees. By adding these options to your PayPal setup, you can give your customers more payment choices and keep your own costs down.
4. Avoiding PayPal Currency Conversion Fees
Currency conversion on PayPal involves additional fees each time you accept a payment in a foreign currency and convert it to your own. These fees can significantly accumulate over time, particularly for businesses frequently involved in international dealings. By pricing your products or services in your local currency, you can bypass these conversion fees altogether.
When working with international clients, it’s important to communicate your preference for local currency transactions.
keeping an eye on exchange rate trends can provide valuable insights, aiding you in making more informed decisions about international transactions and when to potentially accept a foreign currency, if necessary.

5. PayPal’s Monthly Sales Volume Discounts
PayPal has a tiered discount system that rewards merchants with lower transaction fees as their sales increase. Understanding where your business falls within these tiers is key to maximizing your savings.
By regularly analyzing your sales data and discussing it with PayPal representatives, you can ascertain your eligibility for these discounts and negotiate for the most beneficial fee structure.
This is especially advantageous for expanding businesses, as increasing sales could lead to even more substantial discounts over time. Staying proactive in monitoring your sales and maintaining communication with PayPal not only helps in reducing costs but also supports your business’s financial health and growth trajectory.
6. Talking to PayPal About Lower Fees
If your business uses PayPal a lot, especially for many transactions, it’s a good idea to talk to PayPal about lowering your fees. PayPal might agree to reduce your fees if you show them that your business does a lot of transactions regularly.
When you talk to them, be ready with your transaction details and explain how lowering fees could help your business grow. it’s important to have a good conversation and be open to what they offer. It’s also smart to know what other payment services charge, as this can help you get a better deal with PayPal.
7. Paypal Micropayments
If you run a small business and often have small transactions, like under $10, PayPal’s micropayment option could really help. This option has a different way of charging fees – it has a smaller fixed fee and a slightly higher percentage fee than usual. This setup works out cheaper for small sales, so if you’re selling things that don’t cost much, you could save money this way. Before switching to micropayments, check if most of your sales are small enough to benefit from this. The good news is you can have a regular PayPal account and a micropayment account at the same time, so you can always pick the cheaper option for each sale you make.
8. Exploring Various Payment Processors
Reducing transaction costs can lead you to explore various payment channels beyond PayPal. Consider a wide array of processors, each with unique benefits: Authorize.Net, Venmo for Business, Google Pay, Apple Pay, Square, WePay, Braintree, Stripe, Payoneer, Skrill, Zelle, Shopify Payments, Adyen, Dwolla, and Klarna.
These platforms offer a range of fee structures, with some providing free transactions under specific conditions. It’s crucial to weigh their fee schedules and features to see which aligns best with your business requirements. Some might offer lower fees, while others boast superior integration with your current systems or advanced features. When you decide to adopt a new payment method, you’ll need to set up an account and integrate it into your website.
Business
Navigating Today’s Mortgage Market: Breaking Free from Old Notions with Realtor Haseeb Alvi

In an era defined by the rapid industrial revolution, the landscape of industries is in a constant state of flux, and time-worn strategies often no longer suffice. A prime example of this dynamic transformation is the mortgage market, an arena continuously influenced by factors as capricious as interest rates, economic fluctuations, and inflation.
How to navigate such an unpredictable market? Haseeb Alvi is the expert who can help with updated knowledge and insights that guide us through these changes.
Haseeb, a tech-savvy luminary in the realm of technology and a well-informed realtor based in Canada knows what’s going on. His expertise and knowledge of these dynamics help him successfully navigate today’s mortgage market. With the pendulum of interest rates swinging unpredictably and the economy in constant change, Haseeb Alvi is the trusted compass to chart a course through these uncertain times.
Breaking Conventional Mortgage Notions
The mortgage market in the past was somehow in relative stability, where predictable patterns governed interest rates, allowing easier navigation. However, things have changed, and what we used to know about the market, our conventional wisdom, became obsolete.
Consider the turbulence in interest rates today. Haseeb shares that, initially, the Bank of Canada slashed rates to a mere 0.25% in reaction to the pandemic’s economic disruption. Yet, as things got better, rates surged to a staggering 5%. This dramatic oscillation was beyond the foresight of traditional models.
Why the Old Paradigms Fall Short?
Interest rates are merely a fragment of the complex narrative defining today’s mortgage market. The present times require unconventional approaches to stay ahead of the market.
Haseeb explains it well: “It’s hard to use old ways to predict rates. The things that make rates change are more complicated now. We have disruptions in the economy, stuff happening in the world, and inflation. All these things make it tricky to know where rates are going.“
And it’s not just the Bank of Canada making the changes. There are other factors, like 5-year bond yields, that also affect fixed rates. This means the old ways of looking at things don’t work anymore.
Navigating such times necessitates the counsel of experts intimately familiar with the complexities of the contemporary mortgage market. Haseeb is the trusted name that helps, guide individuals to a fresh perspective. Instead of clinging to outdated conventions, he encourages a comprehensive examination of elements to facilitate informed decision-making.
Besides offering personalized consultations, Haseeb’s social media channels serve as a treasure trove of updated insights into Canadian real estate trends. From discussions on affordable property options to keeping an eye on the country’s shifting economic landscape, Haseed forewarns you of any hiccups and equips you with sound investment guidance.
So, remember this: the mortgage market now demands a departure from convention. With interest rates and the economy being so uncertain, securing advice from seasoned experts is indispensable. When you’re thinking about a mortgage, don’t forget that having current knowledge and a nuanced understanding of prevailing circumstances are the keys to success.
Do not stay in the blind. Connect with Haseeb today on LinkedIn and Instagram to ensure that your investments are forward-thinking.
Business
How to Automate Desk Booking Systems at a Coworking Space

As the world becomes increasingly digital, the ways we work are rapidly evolving. One such development is the rise of coworking spaces, where freelancers, startups, and remote workers share a common workspace. With this shared space comes the need for efficient desk booking. Automating this process can save both time and money, making it a valuable addition to any coworking space. In this article, we’ll delve into how to automate desk booking at a coworking space.
What are Desk Booking Systems?

Desk Booking Systems, often referred to as hot-desking systems, are digital platforms designed to automate and streamline the reservation of workspace desks. These systems have gained popularity in shared workspaces, such as coworking hubs, where the flexibility of desk usage is paramount.
Rather than assigning permanent desks to individuals, desk booking systems allow for a fluid approach where members or employees can reserve a workspace for specific time slots. With the emergence of more remote and flexible working patterns, these systems cater to a need for adaptability, ensuring that workspace resources are efficiently utilized.
How Does a Desk Booking System Work?
At the heart of modern, flexible workspaces is the desk booking system. Much like how you’d reserve a table at a restaurant or a room in a hotel, this system allows for the seamless reservation of workspace desks.
1. Interface
The gateway to any digital system is its interface, and desk booking systems are no exception.
- Web Portal: Many desk booking systems start with a web-based portal. This is a dedicated website, often with a user-friendly dashboard, allowing members or employees to log in, view available desks, and make reservations.
- Mobile App: In our smartphone-driven world, having a mobile application can be a game-changer. Users can book desks on the go, get push notifications, and sometimes even use the app as a digital key to access the workspace.
- Integrated Software: Larger organizations might have their bespoke software ecosystems. In such cases, desk booking modules can be integrated, offering a unified user experience without the need to hop between different applications.
2. Selection
The power of choice is central to the appeal of desk booking systems.
- Digital Floor Plan: Visualizing the workspace is crucial. Digital floor plans show the layout of the office, marking available and occupied desks. This representation helps users intuitively pick and choose their preferred spot.
- Filter Options: Not all desks are created equal. Some might be close to the window, offering natural light. Others might be in quieter corners, ideal for focused work. Filters allow users to customize their desk search based on specific needs, be it amenities, location, or desk type.
3. Reservation
After choosing the perfect spot, the next step is to make it official. Just like booking a flight or hotel room online, users select their preferred desk and specify the duration of their reservation. Some systems also allow recurring bookings for those who want a specific desk at regular intervals.
4. Confirmation
Post-booking, it’s essential to ensure the user is fully informed.
- Communication Channels: Immediately after a reservation is made, users generally receive a confirmation. This can be via email, containing all the details of the booking, or as a notification on the mobile app.
- QR Codes & Digital Passes: To make access more streamlined, confirmations might come with QR codes or digital passes. Users can simply scan or show these upon arrival, verifying their reservation.
5. Check-in/Check-out
Maintaining order in a flexible workspace is important.
- Check-in: To avoid ‘ghost bookings’ where a desk is reserved but not used, some systems have a check-in feature. Users confirm their presence, either through the app or at a dedicated kiosk in the workspace.
- Check-out: Equally important is the check-out. This marks the end of a user’s reservation, signaling that the desk is available for others. Some systems auto-checkout users once their booking duration is over, while others might require manual check-out.
What are the Benefits of Desk Booking Systems to Coworkers?
1. Flexibility
In a rapidly changing work environment, flexibility has become a cornerstone for productivity. Desk booking systems provide coworkers with the freedom to choose their workspace each day. Instead of being constrained to a fixed spot, they can select spaces based on their specific tasks or moods.
For instance, one might opt for a quiet corner when focused work is on the agenda, or gravitate towards collaborative hubs when teamwork is the call of the day. This dynamic allocation ensures that the workspace becomes a tool tailored to the worker’s immediate needs, rather than a static fixture they must adapt to.
2. Efficiency
Time is a valuable asset, and nothing wastes it quite like wandering around in search of an available desk. In larger coworking spaces, the search can become a cumbersome task. With desk booking systems, coworkers have instant visibility into desk availability.
They can swiftly reserve a spot even before setting foot in the workspace. This proactive approach eliminates the guesswork and aimless wandering, ensuring that coworkers can get settled and start their work promptly. Over time, this efficiency can aggregate into hours, if not days, of saved time.
3. Customization
Every individual has unique work preferences. While some might thrive beside a window with natural sunlight, others might prioritize being close to power outlets for their myriad of gadgets.
Desk booking systems cater to these preferences by offering customization options. Users can filter and choose desks based on various amenities. Want to be close to the coffee machine for those regular caffeine boosts? Or perhaps near a printer for easy access? With the right system, coworkers can tailor their workspace experience, ensuring it aligns perfectly with their needs and work habits.
4. Predictability
While flexibility and spontaneity have their merits, predictability is equally important. Knowing that a reserved desk awaits can be a great source of comfort. With desk booking systems, coworkers can reserve their spots in advance, which means no unexpected surprises or last-minute scrambles for a workspace.
This predictability reduces anxiety and promotes better daily planning. If a worker knows they have a reserved spot in a collaboration hub, they can schedule team meetings with confidence. Similarly, having a quiet desk booked means they can plan deep work sessions without interruptions.
What are the Benefits of Desk Booking Systems for Managers?
1. Space Optimization
One of the fundamental challenges in managing a workspace is ensuring its design aligns with usage patterns. Desk booking systems provide managers with real-time data on which desks or areas are most frequented. If certain zones are consistently popular, it might indicate a preference for certain amenities or settings, such as proximity to windows or the presence of plants.
Conversely, less popular areas might indicate potential issues or unmet needs. With this kind of information at their fingertips, managers can make informed decisions about office layouts, ensuring they are tailored to the preferences and habits of users, thus maximizing the utility of every square foot.
2. Cost Efficiency
Real estate, especially in prime locations, can be a significant cost for businesses. Paying for space that’s underutilized isn’t just wasteful; it’s financially inefficient. Desk booking systems provide a clear picture of desk utilization rates. If certain desks or areas consistently remain unbooked, it might indicate surplus space.
This data-driven insight can guide managers in deciding whether to repurpose that space or even downsize, leading to substantial cost savings. On the flip side, consistently high booking rates might highlight the need for expansion, ensuring that growth decisions are reactive to genuine demand rather than mere speculation.
3. Enhanced Productivity
The physical layout and organization of a workspace play a pivotal role in productivity. A chaotic, overcrowded office can be a hotbed for distractions and interruptions, whereas an orderly, well-allocated space can significantly reduce friction. With desk booking systems, managers ensure that every member has their dedicated space, minimizing disruptions that come with desk searches.
Moreover, the ability to book specific desks means that teams can sit together when collaboration is essential, and individuals can find quiet corners when needed. This fluidity, guided by individual and team needs, fosters an environment where productivity can thrive.
4. Flexibility in Management
Every coworking space or office has its unique culture and rules. Desk booking systems provide managers with the tools to implement and enforce these rules efficiently. For instance, if there’s a policy to prevent desk hogging, managers can set maximum booking durations.
If there’s a need to rotate teams to foster cross-team collaboration, managers can set up booking rotations. The system’s inherent flexibility means that it can be tailored to specific managerial philosophies and objectives, ensuring that the workspace not only serves its users but also aligns with broader organizational goals.
5. Data Insights
Beyond the immediate task of desk bookings, these systems serve as a rich source of data. Through analytics, managers can glean insights into patterns of usage, employee preferences, peak booking times, and other valuable metrics.
This data can help in refining strategies, predicting future needs, and making proactive decisions to enhance the workspace environment. The continuous stream of data ensures that the decision-making process is dynamic and responsive to the evolving needs of the organization and its employees.
Conclusion
Automating desk booking in a coworking space is not merely a matter of convenience; it’s a transformative strategy that can significantly enhance operational efficiency, user experience, and space optimization. By leveraging technology, coworking spaces can ensure a seamless reservation process, reduce manual errors, and gain valuable insights into workspace utilization.
As the demand for flexible workspaces continues to grow, it becomes imperative for such spaces to adopt smart and automated solutions. Embracing automated desk booking is not just about staying relevant in an evolving market but also about creating an environment where productivity and innovation can thrive unhindered. Whether you manage a coworking space or are a patron, the benefits of this automation are manifold and well worth the investment.
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