Free painter bid templates jobs

Create PDF files that can be used for promotion. The idea is to have these materials created as templates, and then sell them as part of an ongoing package for multiple locations, so this would be an ongoing project as we update the files for each project.

Create PDF files that can be used for promotion. The idea is to have these materials created as templates, and then sell them as part of an ongoing package for multiple locations, so this would be an ongoing project as we update the files for each project.

I need a freelancer to develop a Canva app with the following features and platform preferences: Features: - Design templates - Photo editing tools - Social media scheduling Platform Preferences: - iOS - Android - Web-based Ideal Skills and Experience: - Proficiency in app development for iOS, Android, and web-based platforms - Experience in integrating design templates, photo editing tools, and social media scheduling features into mobile apps - Knowledge of Canva's functionality and ability to replicate it in the app

I am looking for a designer to create an InDesign template for downloadable PDF guides. The guides will be resources available on my web design company’s website, used as lead magnets. An example guide topic is “how t...resources available on my web design company’s website, used as lead magnets. An example guide topic is “how to plan a successful website”. Branding and design: - I have some basic branding guidelines that need to be incorporated into the template design. This includes logo, primary colors, fonts and a few usage examples. Skills and Experience: - Proficiency in InDesign - Experience in creating templates for downloadable PDF guides - Ability to incorporate branding guidelines into the design - Attention to detail and ability to ...

...creative designer to conceptualize and create a bold and modern logo for my company, Astin. As a company specializing in corrugated consumables, the logo needs to reflect our industry and align with our robust, modern approach. Key Requirements: - Incorporate the company name, Astin, creatively into the logo. - Design should be bold, modern, reflecting our industry. - Original artwork only, no templates or canned designs. Ideal skills: - Previous experience in logo design, preferably in our industry. - Strong portfolio showcasing your past work. - Ability to translate our company's ethos into a visual form. - Good communication & receptive to feedback. This is your chance to leave your creative footprint on a growing company in the corrugated consumables industry. Lo...

Looking for a part-time store manager with multi-tasking abilities and experience with cjdropshipping, canva, shopify and woocomme...and experience with cjdropshipping, canva, shopify and woocommerce. Key responsibilities and preferred skills to be considered for this role include: - Customer Service: Reply to customer inquiries with set templates - CJ Dropshipping: Know how cjdropshipping works and how to find new products and fulfill orders - Shopify & WooCommerce: Navigating Woocommerce and Shopify, building new product pages and putting together content for new stores - Canva: Good knowledge of Canva or similar app for creating appealing graphics for the website Tell me about your experience and start your bid with "I will handle this" written as a sin...

Design for Fre Book Festival Detail Page

...before work begins. They can view an existing 3D residential house Flyaround and Walkthrough Animation. They can submit an enquiry for assistance, and can upload artifacts. 3D. Property Development Sites - Selling probate / derelict / renovation properties or sites. They can submit an enquiry outlining what they have on offer, and can upload artifacts. 4. Project documents templates for the website to comply with UK regulations, such as - cookies - data privacy - disclaimer 5. Requirements - Website design. - Codify and deploy a live website. - Create 3d object hosting functionality. - Create 3d content for residential properties whereby there is an external and internal flyaround and flythrough. - Accept m...

Looking to build a website similar to this one : with your proposal please list your total experience with building websites, and whether this website we are requesting is going to be WordPress or what ? and any costs involved in buying templates. the total charges and the timeline. thanks

I am looking for a freelancer who can create spreadsheets for financial data analysis. Skills and Experience: - Expertise in financial spreadsheets and data analysis - Proficiency in creating templates for spreadsheets - Knowledge of functions and formulas - Experience in organizing moderate complexity data with functions and formulas. I have started an air bnb business and I just need someone to break down a P&L sheet and show profits

We are a dynamic and innovative travel company looking for a creative and talented Freelance Newsletter Designer to craft two compelling newsletters introducing our services and offerings. Newsletter Design: Create two eye-catching newsletters with a focus on introducing our travel company and the unique services we...captivating headlines, concise copy, and a storytelling approach to keep readers intrigued. Visual Appeal: Source and integrate appealing and high-quality images that resonate with the travel theme. Use your creative flair to arrange visuals aesthetically pleasingly, creating a seamless and engaging reader experience. Originality: Strictly use original content and visuals, avoiding stock images or templates available online. We are looking for a unique and customiz...

I’m looking for a skilled WordPress developer to help me create vendor page templates for a platform using the Dokan plugin. I— unfortunately— did not specify the particular elements to be included in the designs, but I anticipate the need for some standard features. This could potentially include vendor bios, product listings, and review sections, among other elements. Ideal skills for this job include: - Proficient WordPress experience - Familiarity with Dokan - Strong design and coding abilities - Prior experience creating page templates A great understanding of best practices for vendor page design would be beneficial as well. Please provide examples of your previous work with page template creation— particularly any that involve vendor pages or...

...consulting/corporate finance firm. Here are the key requirements: - The project requires the creation of 10 to 20 slide templates. - The design will imbibe a professional and corporate style, color scheme being dark navy blue paired with steel blue/ice gray. - Some design elements will be provided, however, I expect the freelancer to infuse personal creativity and come up with additional design elements that align with the overall project theme. - The attached document outlines specific information like charts, infographics, or data presentations that need to be included. Skills and Experience Required: - Proficiency in PowerPoint and graphic design tools - Prior experience in designing PowerPoint templates for corporate clients - Ability to interpret briefs and align des...

I am looking for a skilled freelancer who can create editable templates for both newsletters and emails. The preferred design style for these templates should be modern and sleek. I will provide some of the content, but I also need assistance with content creation for certain aspects. I have attached samples of what I have in mind, I will provide the copy and images for each example but they need to be editable so another business can purchase these templates and put in their own images, copy, logo and color/branding. Ideal Skills and Experience: - Proficiency in designing and creating templates for newsletters and emails - Strong understanding of modern and sleek design aesthetics - Ability to collaborate and assist with content creation when needed

Project Title: Tax Invoice Description: I am in need of a freelancer to help me create a GST invoice with some specific ideas in mind. The ide...The ideal candidate will have experience in creating customizable fields for invoices. Key Requirements: - Experience in creating GST invoices - Ability to design an invoice template based on some specific ideas provided by the client - Strong knowledge of customizable fields in invoice systems Skills and Experience: - Proficiency in creating GST invoices - Experience in designing invoice templates - Familiarity with customizable fields in invoice systems - Attention to detail and ability to accurately calculate taxes and discounts if needed If you meet these requirements and have the necessary skills and experience, please submit your...

...a specific design for my Shopify page. The ideal candidate should have experience in designing and building custom Shopify pages, with a focus on creating a visually appealing and user-friendly layout. Requirements: - Experience in creating Product Pages, Collection Pages, and Homepages on Shopify - Ability to implement a specific design provided by the client - Knowledge of Shopify themes, templates, and customization options - Familiarity with Shopify's backend and ability to integrate additional features as needed Additional Skills (preferred but not required): - Experience in integrating Payment Gateways into Shopify pages - Knowledge of Social Media Integration and SEO Optimization If you have the skills and experience required for this project, please submit your p...

I'm in need of an expert in Microsoft Word, with specialized experience in creating complex documents. Your main tasks will be assisting me as needed, which could include tasks such as creating document templates or editing and proofreading. Ideal Skills: - Proficient in Microsoft Word - Experience with complex document creation Experience: Applicants should have substantial experience with Microsoft Word, including the creation of complex, multi-section documents. Credentials detailing this specific work experience are necessary for a successful application.

...quicker website experience for our users. - Reducing plugin usage: I'm in need of a developer who can identify unnecessary plugins currently being utilized on the site and safely remove them. - Hardcoding functionality: While the specific functionality is to be determined, the ideal candidate should be proficient in hardcoding HTML functionalities, such as custom navigation menus, forms, and page templates. The task entails: - Removing image display and security plugins that have become redundant on my website. - Hardcoding the functionality of these plugins into the website’s HTML code, specifically by: 1. Displaying images from a different cloud service based on tags or categories. 2. Arrange these images in a specific order. 3. Implementing lazy loading...

...allow users to edit their videos within the WordPress platform. - Integration with popular video platforms such as YouTube, allowing users to easily import and embed videos from these platforms. Self-hosting and player. - Customizable video player design, giving users the ability to customize the look and feel of the video player on their website. - Live graphical website with templates. - Subscription model for free user and paid user. - Following Wordpress guidelines to add in their directory. In terms of video format support, I would like the plugin to support both self-hosted videos as well as videos from YouTube. This will give users flexibility in choosing the video format that best suits their needs. I need the plugin to be completed within 1 month, as I have a ti...

I'm currently seeking a skilled developer who is capable of creating a thumbnail maker with specific features. The creator should allow customizable templates alongside intuitive image and text editing tools to provide users with a wide range of customization abilities. This project requires: - The development of a thumbnail maker with customizable templates - Inclusion of both image and text editing tools - The ability for the software to support JPEG and PNG file formats. As for the thumbnails' size, it must be 500x500 pixels. An ideal candidate for this project should have significant experience in this field and demonstrate an understanding of image and text editing. Familiarity with various file formats, especially JPEG and PNG, is also necessary. This projec...

...to the quality of a Standard Operating Policy. To a reader it must look like a 'Standard Operating Policy manual". Proper indexing and where possible hyperlink will be an added advantage. If using hyperlink, then at end of chapter there must be hyperlink to back to index page. Total 17,000 words, a few tables and diagrams in under 70 pages Guidelines and templates: I am open to suggestions and do not have specific guidelines or templates that need to be followed. Skills and experience: - Strong attention to detail and formatting skills - Experience in formatting documents to the quality of a Standard Operating Policy - Proficient in using formatting tools and software - Ability to work efficiently and meet deadlines - Proper pagination with new chapter in...

Project Title: Create and Automate Emails Description: I am looking for a freelancer who can help me create and automat...Description: I am looking for a freelancer who can help me create and automate a series of emails using Mailchimp. The main goal of this email campaign is to increase sales for my business. I need a total of 1-3 emails to be created and automated. Skills and Experience: - Proficient in using Mailchimp to create and automate email campaigns - Experience in designing engaging and visually appealing email templates - Knowledge of best practices for email marketing to increase sales - Ability to write compelling and persuasive copy for email content - Familiarity with tracking and analyzing email campaign performance - Strong attention to detail and ability to meet...

I am in need of a freelancer who can create 4-7 social media post templates for my brand on CANVA, so they can adjusted and edited weekly to change dates and artist anmes. Although I have a rough idea of what I want, I am open to creativity and suggestions from the designer. The templates should align with my brand's colors and themes, which I can provide upon further discussion. The ideal freelancer for this project should have experience in graphic design and be proficient in using design tools such as Canva. They should also have a strong understanding of social media design trends and be able to deliver high-quality, visually appealing templates. If you are a creative and skilled designer who can bring my social media posts to life, I would love to collaborate...

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I am looking for a freelancer who can help me with data entry customization for Tally software. Requirements: - Experience in customizing data entry for Tally software - Ability to create a new template for data entry - Familiarity with Tally software and its functionalities Skills: - Proficiency in Tally software - Strong knowledge of data entry customization - Ability to create templates for data entry If you have the necessary skills and experience, please submit your proposal.

...capacity. We are looking to hire two awesome designers on a contract basis to build an average of two websites per week for our clients and make revisions when needed. You will each be paid $200-$250 per website designed, with full-time salaried positions available after one month for the right candidates. You will initially build websites based off of our premade website templates, then duplicate your created WordPress templates for future orders. The Requirements: JS, HTML & CSS - you must have at least an average level of knowledge working with JavaScript, HTML, and CSS Portfolio - you must include in your application a portfolio of websites that you alone designed on WordPress. We are looking for perfect responsiveness, SEO optimization, and creativity. Efficien...

I need help coding a part of my WordPress website. In sho...options and to print labels. The plugin allows vendors to add adjustments to live shipping rates. I want to hide this feature from vendors and add a flat $0.05 rate per label globally across the board to make up label cost fee. Plugin support gave me the following but I have no coding experience to know what this means. Override the `MARKETSHIP_PATH/includes/integrations/wc-frontend-manager/templates/` template to hide the adjustment fields and either 1. Add hidden input fields with the hard-coded adjustment amount/type in the template override file, OR 2. Add filters on the `shippo_rate_adjustment` and `shippo_rate_adjustment_type` user meta keys so they always return the hard-coded adjustment amount and type

Hello I want to build a new social commerce App. Mvp stage I need someone with the following Skills Ecommerce Social app like tiktok instagram onlyfans with algorithm that makes it addictive app that can sustain large amount of users drop shipping lives live battle/challenge there are already some scripts available on code canyon and also some templates would like to know what you can offer.

I am looking for a freelancer who can help me generate more B2B leads in the energy consulting industry. My goal is to reduce energy bills for consumers for free. The ideal candidate should have experience in lead generation and knowledge of the energy sector. Target Industry: - Industry - Hospitality - Retail Target Customers: - Average monthly energy bill between $500 and $1000 Key Message: - Cost savings - Administrative work saving - co2 emission savings Skills and Experience: - Lead generation - Knowledge of the energy sector - Ability to communicate cost savings benefits to potential leads.

...have the color pallet and look and feel down we just need someone to execute the below. Work would be on-going if the delivery is amazing. Requirements: - Design a logo that captures the essence of my brand and appeals to my target audience - Shopify compatible branding assets - Create social media templates that are cohesive with the overall branding and can be easily customized for different platforms - Develop digital designs for promotional materials such as banners, ads, and email templates Skills and experience: - Proven experience in graphic design, specifically in the beauty or consumer-facing industry - Proficiency in Adobe Creative Suite, particularly Illustrator and Photoshop - Strong understanding of branding principles and the ability to create a consisten...

I am looking for a freelancer who can adapt a logo example and install and populate an Elementor website template in GoDaddy. Logo Modifications: - Minor modifications to the design are required Elementor Website: - I have a specific list of elements and pages that I want included in the website Timeline: - The preferred timeline for this pr...template in GoDaddy. Logo Modifications: - Minor modifications to the design are required Elementor Website: - I have a specific list of elements and pages that I want included in the website Timeline: - The preferred timeline for this project is 1-2 weeks Skills and Experience: - Proficiency in graphic design and logo adaptation - Experience with installing and customizing Elementor website templates - Familiarity with GoDaddy hostin...

I'm aiming to have a vintage logo that mirrors my brand's identity and can be utilized in marketing, promotional activities, our website, and social media channels. - Purpose: The logo should eloquently convey our brand's identity, being effective in marketing and promotional elements, and compliment the aesthetics of our d...modern sensibilities. The ideal freelancer for this job would have notable experience designing vintage logos and a broad understanding of branding for adults. Skills in digital marketing, brand management, and social media optimization would be a bonus. LOGO NAME IS WCS PRODUCTIONS THIS IS A PHOTOGRAPHY AND FILM BUSINESS. THIS LOGO NEEDS TO BE CUSTOM AND NOT COPIED FROM OTHER LOGO STYLES TEMPLATES. MUST BE CREATIVE. I NEED PNG FILES TO LOGO...

I am looking for a skilled developer to help me turn a template into a cleaning agency theme. The project needs to be completed within 1 wee...cleaning agency theme. The project needs to be completed within 1 week. Design Requirements: - I have specific requirements for the design and layout of the theme. Key Features: - The most important feature to include in the cleaning agency theme is online booking. Ideal Skills and Experience: - Experience with and frontend development - Strong design skills and ability to customize templates - Familiarity with building themes for service-based websites - Understanding of online booking systems and integration If you have the necessary skills and can meet the desired timeframe, please reach out to discuss the project further.

I'm seeking a skilled developer to create a versatile PDF builder with a focus on creating digital brochures. The key functionalities should include: - Pre-designed templates: Variety of aesthetically pleasing templates on hand, suitable for various business sectors - Image Insert Feature: Ability to easily add images to the brochures, enhancing their visual appeal - Customizable layout: Each business has its own identity, therefore a customizable layout is important to evoke uniqueness in each digital brochure. One important facet which I'm unsure of, is the inclusion of interactive elements. I'm leaning towards having this feature in the PDF Builder, but I encourage your professional input. The ideal candidate for this project would have extensive experi...

I am looking for a freelancer who can help me with my project. Here are the detai...freelancer to create an Excel template for logging the scanned barcodes. - The scanned barcodes will then need to pull an Amazon FNSKU (maybe using a VLOOKUP?) - I then want to be able to print the Amazon FNSKU barcode from my barcode printer. - I have a specific barcode printer model that I would like to use for printing the barcodes. Ideal Skills and Experience: - Proficiency in Excel and creating templates for data logging. - Experience with barcode scanning and automation. - Familiarity with Amazon FNSKU Barcodes and their translation. - Knowledge of barcode printing and ability to work with specific printer models. If you have the necessary skills and experience, please submit your proposal. ...

I'm in need of a professional bid writer, proficient in developing compelling bids specifically for the construction industry. The primary aim of my project is to successfully secure new contracts and clients. Key tasks include: - Identifying potential clients - Crafting persuasive bid responses that highlight my company’s strengths Ideal Skills and Experiences: - Proficient in bid writing - Prior experience in the construction sector - Strong communication and persuasive writing abilities - Good understanding of project management and estimation within the construction industry.

I am looking for a freelancer who can help me with an issue I am experiencing with my eBay listings using the Sixbit template. The ...with an issue I am experiencing with my eBay listings using the Sixbit template. The problem is that the images are not showing up after the upload process. Skills and Experience: - Experience with eBay listings and templates - Knowledge of Sixbit template - Ability to troubleshoot and fix image display issues on eBay listings - Familiarity with error messages related to image display on eBay I have included how they look now and what they should look like. It probably is an HTTP/HTTPS issue but I cannot figure out how to fix it. If you have experience with Sixbit templates and can help me resolve this issue, please reach out to discuss fu...

...file. Some more information: I have a dedicated server for the next 3 years. I’ve already paid for this and plan to host the website here. I also have 3 domain names, also paid for in advance. I’ll have the dns point to the loading page of the new site once things are ready to go. I’m expecting the custom site to require some skillset with higher programmer languages for the templates with the expectation being that I can keep the folder layout with the books -> chapters -> bookname-chapter-1, bookname-chapter-2. Because there are 1000’s of these files the template would need to have the ability to render the file system to know how many files. Because I have a dedicated server we can use apache2/nginx or whatever else needs t...

...involves: * Adjusting the layout of components - I'd like to shift how search results are displayed and insert custom headers or footers. * Adding custom filter options - Though the specifics are not yet finalized, expect to add new filter options. * Custom templates with pop-up messages Proficiency with SharePoint PnP components is essential; knowledge of layout design and development of customized search filter options would be beneficial. Your experience in integrating SharePoint with external data sources will be a plus. Please bid with relevant portfolio sample. Bidder will provide snapshots of previous SPFX components, ideally custom PnP Search UIs. Bids without snapshots above will be ignored. Bids with offer to message "to discuss more" will be ig...

...newsletter system to be able to send to our mailing list weekly post updates. A html design that will match current theme. A proper consent approval to have legal responsibilities. - Popup options that can be used for different announcements. Or full functional top strip bar that can be used shows different announcement or sliding headlines populated with query post titles. - gdpr compliant - Post templates , page template , archive template, team/authors page, about us, contact page or any other page will be used for different needs. - Optimize the current database in order to handle 1200 posts with ease - Instagrams integration on the main page. Also other socials integration needed in pages or posts - Integrate with another of our basic woocommerce site to sell few product...

...includes: - Client name and contact information section - A place for detailed project description and specifications - A space to explicitly outline payment terms and conditions I don't really mind what software or application you use to make this template as long as I can easily use and edit it in the future. Ideal applicants should include: - Examples of past work, specifically involving templates - A detailed project proposal, which outlines how they plan to execute this task I am in need of a quick turnaround, as I need this template ASAP. I am looking forward to working with a freelancer who can deliver quality work under a tight deadline. I also need a spreadsheet built for time tracking and I also have a picutre of the timesheet i would like to use. We ha...

I'm seeking a highly skilled website developer who can craft a platform for offering small businesses ready-made WhatsApp chatbots. Here's what I envision: - Integration with WhatsApp API: Seamlessly merge the functionality of the platform with WhatsApp's API, extending its chat support capabilities. - Customizable Chatbot Templates: Avoid a one-size-fits-all approach. Create diverse, customizable chatbot templates that fit the varying needs of my clients. - Analytics and Reporting: With usable data comes better decision-making. So, I'm looking for a detailed analytics and reporting feature that my clients can leverage to evaluate chatbot performance. - Customer Relationship Management (CRM): This chatbot must boost lead management. With an integrate...

Looking for a part-time store manager with multi-tasking abilities and experience with cjdropshipping, canva, shopify and woocomme...and experience with cjdropshipping, canva, shopify and woocommerce. Key responsibilities and preferred skills to be considered for this role include: - Customer Service: Reply to customer inquiries with set templates - CJ Dropshipping: Know how cjdropshipping works and how to find new products and fulfill orders - Shopify & WooCommerce: Navigating Woocommerce and Shopify, building new product pages and putting together content for new stores - Canva: Good knowledge of Canva or similar app for creating appealing graphics for the website Tell me about your experience and start your bid with "I will handle this" written as a sin...

...Swiftly gather and analyze enterprise needs to define the software's functionality and scope. No-Code Platform Selection: Identify and select the most suitable no-code platform(s) that offer the scalability, security, and feature set needed for an enterprise-level application. Rapid Development: Employ no-code tools to design, build, and configure the application. Focus on utilizing pre-built templates, drag-and-drop interfaces, and customization features available within the no-code platform. Testing: Conduct thorough testing to ensure the application meets enterprise standards for functionality, user experience, and security. Deployment: Implement a swift deployment strategy to make the application available to enterprise users. Feedback and Iteration: Establish a fee...

...professional services or similar industries. This will help us assess your skills and envision how your expertise can contribute to our brand evolution. Scope of Work: The selected freelancer will be responsible for redesigning key brand elements, including: Logo: Craft a modern and impactful logo that resonates with the professionalism and innovation our firm represents. Templates: Develop sleek and professional templates for various documents and communications in line with industry standards. Website: Redesign our online presence to ensure it reflects the cutting-edge nature of our services while maintaining user-friendliness. Interested designers are invited to submit their portfolios and proposals, emphasizing their experience in professional services branding. Kin...

I am in need of a skilled musician, with a focus in traditional Punjabi and Hindi music. Your specialties should include song composition and writing enriching content for a song that will aid an environmental awareness program, including plastic waste free city, dry and wet waste. This music will be utilized for a awareness campaign. - Topic: Environmental Awareness - Style/Genre: Traditional Punjabi and Hindi Music - Mood: Inspirational Direct experience in creating inspiring and traditional music for public awareness campaigns, particularly in Punjabi and Hindi, will be advantageous. The ability to translate environmental topics into relatable and engaging content in music form is a must. Your skills and experience will greatly impact the success of this awareness program.

...page of the code, there should be 7 items, all are labelled in the images folder. The price of each tint is $7.99 and the 6 pack set is $40.00. As for the Cart, you can add like a few products, just like how a usual cart interface should be like. Please delete all the unnecessary information in the template itself if you’re done. Do let me know if you’re able to access the files, and all the templates should already be roughly there....

I am looking for a freelancer who can assist me with editing 1-5 invoices by adding or removing items. Skills and Experience Required: - Proficiency in invoice editing and formatting - Strong attention to detail and accuracy - Knowledge of invoice templates and ability to create new ones - Excellent communication skills to understand my specific requirements and make necessary revisions - Ability to work efficiently and meet deadlines If you have experience in invoice editing and are able to work on a small project with a quick turnaround time, please submit your proposal. I need to remove dates and payments on rental car invoice . Older payments my current company isn't responsible on reimbursement. I was it nice and clean to submit to my new employer.

As a fertility clinic, we have a constant need for high-quality, engaging, and informative content around the wide-ranging topic of IVF procedures and fertility treatments. The primary goal of the content is to educate our patients, ensuring they are well-informed about the processes and treatments they may consider. We are seeking a versatile content writer with a knack for creating medical content primarily centred around: - IVF procedures - Fertility treatments The created content should maintain an informative tone, balancing medical terminology with simple, everyday language to ensure our reader, predominantly future or current patients, find the content valuable and easy to comprehend. The ideal candidate should be equipped with: - An excellent understanding and/or experience in ...

...need thinking!!! 9, We have 2 sister sites that support , called and , so we need simple sites, that can be built in WordPress, using templates, that will be used as funnels for new clients, that are directly looking to myUKpost, but need our most profitable services, such as scanning and mail handling, especially after Brexit 10, We need advise on PPC and Social Media We accept and understand that we may need 2 or 3 different contractors, as there is 3 requirements, but we will need to see proven successes and experiences, any replies that are instantly sent and standard “catch all bid for everything”, will be instantly deleted, we will need references, able to speak daily, UK time Zones, in english and offer advice, As our product, is smaller payments