Joomla news portal template jobs

I'm in need of a highly skilled web developer who is fluent in Spanish and based in LATAM. This is for a new website development project from scratch. The website's key features will include e-commerce functionality, a blog or news section, and a contact form. Ideal skills and experiences for this job include: - Proficiency in Spanish - Strong background in web development - Previous work on projects from start to finish.

...skilled developer to optimize my WooCommerce / eCommerce website template. While we have not provided specific areas for improvement, the focus should be on enhancing the overall performance and user experience of the site. Key Responsibilities: - Improve the loading speed of the website - Enhance the mobile responsiveness of the template - Optimize the overall user experience (IU & UX) - Optimize the look and feel Ideal Skills and Experience: - Proficiency in WooCommerce and eCommerce website development - Proven track record in template optimization - Strong understanding of user experience and mobile responsiveness - Ability to work independently and meet deadlines. If you're confident in your ability to optimize my template and elevate my site...

...heroically attempted to rescue her and managed to save her life, but tragically, he was carried away by the strong current and lost his life. This event was covered by several news outlets, with one article titled ‘Era un experto en las Cuevas’ by Julio Ghigliotty, published in El Nuevo Día on June 1st, 1999. However, I have not been successful in locating this article or any others from Puerto Rican sources. Possible sources that may have covered the event include the San Juan Star, El Mundo, and El Vocero. I am specifically looking for articles from Puerto Rican publications and not interested in coverage from non-Puerto Rican news sources. Key Responsibilities: - Undertake a detailed search for articles in newspaper archives, online databases, or m...

I am seeking an experienced salesperson with an authentic Australian accent to work as a booking agent for exciting talkshow guests. This challenging position involves direct outreach to numerous top-rated American Radio talk shows as well as Television talk shows like Fox and Friends or the today show. The ideal candidate should be well-versed in networking within the news and issues sector, with a proven track record of securing interview spots for guests from this domain. This is a unique opportunity for a masterful communicator who knows how to present standout personalities for meaningful and impactful discussions. We will also consider excellent sales people. We don’t have experience booking. Talk to Guest if they’re willing to be diligent.

...so potential clients can easily reach out to me. - A testimonials section would be a great addition as well. Most importantly, the Squarespace template used must have built-in functionality for short term rentals. I need to be able to list properties, manage bookings, and facilitate payments through the site. The ideal freelancer should have: - Proven experience with Squarespace, particularly in building portfolio showcase sites - Strong understanding of e-commerce and rental functionalities - Good design sense and an eye for detail Website that I am looking to embody similarities with - Existing Squarespace template that I am looking to adapt - I will provide you the Brand Persona as well as the Visual Identity

...Albanian,Arabic, Bulgarian, Chinese, Croatian, Czech, Danish, Dutch, English, Estonian, Finnish, French, German, Greek, Hebrew, Hungarian, Icelandic, Indonesian, Trish, Italian, Turkish, Japanese, Korean, Latvian, Lithuanian, Malaysian, Norwegian, Polish, Portuguese, Romanian, Russian, Serbian, Slovak, Slovenian, Spanish, Swedish, Thai, Ukrainian, Vietnamese. ABOUT US Our company specialises in sport news. We are based in the Netherlands but operate throughout Europe. Our brand exemplifies good quality ABOUT THE PROJECT The right candidate will work closely alongside us to ensure all content is translated correctly and localised to the specific market. This is an ongoing relationship that will cover a range of content needs. The current scope of the project involves checking th...

I'm in need of a professional photoshop artist who can help me create a stunning, detailed and realistic mosaic design. This design will be used for decorative purposes and printed on large surfaces. Use the attached trading card phot...Examples of Mosaics below. https://m.media-amazon.com/images/I/81U+9QM-aqL._AC_UF894, , https://m.media-amazon.com/images/I/91jDvWW+j+L._AC_UF894,

I'm in search of a professional developer who can build an email marketing service website focused on building brand awareness specifically tailored to small businesses. The website's foundational feature should be built around: * Easily accessible subscription form * Analytics dashboard * Template creation tool Despite these functionalities being optional, I'd highly prefer incorporating them to potentially maximize engagement and conversion rates. The ideal candidate for this project will have: * A strong portfolio of similar projects * Knowledge in email marketing trends and strategies * Experience working with small businesses * Proven understanding of UI/UX principles * Advanced web development skills including HTML, CSS, JavaScript and SEO principles In sum...

I am quite an experienced developer however, I am caught up with a few things right now so I cannot do this. Here are the issues and what I need for my Wordpress site. 1. The navigation on mobile mode button is dead, not working. I need it centered with the template and the hamburger dropdown menu items to function. Problem is the hamburger button does not function when pressing it. 2. I need the website converted to a static site. I already have the plugin, so you can simply generate the static files and fix it accordingly. *** The navigation fix MUST be done via Elementor NOT code***

...bringing new value into the digital space, and helping companies succeed in their ventures. Your Tasks: Create Bricks Builder Modules Using Bricks Widget Creator: Start with the provided Figma designs to develop custom modules. Your creativity in this phase will set the foundation for the unique digital experiences we aim to deliver. Develop a Static yet CSS-Responsive Bricks Page Template Using REM: Ensure the template you create is fully responsive, adapting gracefully to any screen size. Employing REM units and 62.5 Mechanism for styling will ensure scalability and fluidity across devices. Define All CSS Styles in a Bricks Child Theme: Centralize your CSS customizations within a Bricks child theme. This approach ensures that all styling changes are preserved and easi...

...sports news app named "SportShorts". Key Features: - Personalized News Summaries: Users should be able to receive concise and customized sports news summaries based on their preferences. - User Preference Selection: Users will personalize their news summaries by choosing their favorite sports and selecting preferred teams. Ideal Skills: - Proficient in Flutter for cross-platform app development. - Strong understanding of user customization and personalization. - Experience in implementing push notifications in mobile apps. - Knowledge of user registration and login mechanisms. - Familiarity with sports news APIs would be a plus. The selected freelancer will be responsible for the design, development, and testing of the app, ensuring that...

Php developer for a web portal ( College search engine cum admission portal )

Hello, i need to get help to get a template ready for my images. i have a base image but i need help with photoshop or what we use to help me make a image over this base image i have.. Example: I have a empty image with a posting bag, i have diffrent designs i need to put on this empty image so it looks good and real to have on my website. without me having to edit images to much i would like a nice template in example photoshop where i can just upload my diffrent designs and it will put the image on it.

...inventory management. Key Features: - Appointment Booking: The system should allow clients to schedule appointments easily. - Client Management: It should have a database for client management, allowing us to store and access information about our customers. - Inventory Management: The system should also include a feature for managing our salon's inventory. Design: I do not have a design or template for this system. Therefore, I'm looking for a developer who is skilled in creating a user-friendly and aesthetically pleasing interface. Online Payments: While the system should support appointment booking, I do not require online payment processing. This is a feature I'm not looking to implement at this stage. Ideal Skills and Experience: - Proficient in PHP Larave...

I need a website template written in raw html, css and js (no third party library). The website has responsive menu (look at the attachment to see my design) : - The menu item can be a leaf item or parent item that will show subtitems if clicked. - Clicking menu item/subitem will show the corresponding content. - The menu is placed on right side in the desktop and on top under image header in mobile. - The image header and menu should always be shown even when the page is scroll down - The menu has background color in desktop and transparent bg on mobile What you have to do: - Create the website - Use some random image for the image header - Create a div with text 'Item1', 'Child1', 'Child2', 'Item3', 'Child3', 'Child4'...

...pre-existing PSD files. The theme should be developed with PHP, HTML, JS, CSS, BS5 Grid, and ACF. I have 7 unique page/template designs ready. Key requirements include: - Converting PSD files into WordPress theme - Deep understanding of PHP, HTML, JS, CSS, BS5 Grid and ACF for WordPress - Creation of the theme according to specified requirements. - ALL content will be added by us. Key Points: 1: Bespoke WordPress Theme Build (PHP, HTML, CSS, JS) 2: Combination of the old WordPress WYSIWYG editor & ACF (Advanced custom fields). No blocks/Gutenberg or a theme page/builder etc) 3: Bootstrap 5 Grid (Mobile First etc) 4: Needs 1 x Custom Post Type “case-studies” 5: 7 Custom Template/Pages as follows (See design linked below) a) Home b) Case Studies (R...

We need a quotation for a restyling of our Company website. A new Style and a new template wordpress! We wish to pass from our site to a similar experience

...corporate presentations. However, I need a talented designer to create a master template for me to streamline the process and ensure consistency throughout my presentations. Key requirements include: - Adapting current slide layouts: You will need to analyze my existing slides and create a cohesive, professional template that can be applied to all of them. - Reflecting my brand: It's essential that the template reflects my company's brand colors. You will need to work with my brand guidelines and apply the colors effectively throughout the template. Ideal skills for this job include: - Proficiency in Microsoft PowerPoint: This is a must, as you will be working within this software to create the master template. - Graphic Design and Bran...

I'm in need of an experienced article writer who can contribute to a prestigious online news paper by producing compelling pieces on the business world, particularly focused on the API & Chemical industry. Key Responsibilities: - Crafting engaging, well-researched articles on business-related topics. - Ensuring the content is tailored to the niche of API & Chemical industry. - Adhering to editorial guidelines and maintaining the high standards of the publication. Ideal Candidate: - Proven track record in writing business articles. - Strong understanding of the API & Chemical industry. - Experience in writing for reputable online news papers. - Ability to deliver 3-5 articles per week. If you're passionate about business writing and have a flair for pr...

Website Design for the Apex Transport Pages will be Home About Services Career Contact Us. Redirect to TMS Portal. 7-8 Services Linehaul, FTL, LTL, Warehousing and Storage, 3PL, Projects, Oversize and Specialised transport

I'm in need of an independent fact-checker for a two-week project. In this role, you will aid in the creation of a fact-checker guide and participate in a small focus group to trial a new software tool, Authentification. - Jo...resources in our fact-checking process. - Evaluate Software Effectiveness: Your feedback will be instrumental in our assessment of the software’s effectiveness. Finally, the fact-checker guide should have: - A clear, Step-by-step Fact-checking Process. - Understanding and practical Tips for Verifying Information. - A primer on Guidelines for Identifying Misinformation, to help steer clear of fake news and false information. Please apply if you have the relevant experience and expertise. I look forward to working closely with you for the ne...

...writing insightful, up-to-date blog posts that touch on various aspects of technology. This includes but is not limited to industry news, tech trends, product reviews, and how-to articles. - Website Content: You'll also need to craft compelling and SEO-friendly content for the different pages of the website. This includes the homepage, about us section, services, and more. Ideal skills and experience: - Proven experience in writing high-quality web content and blog posts within the technology sector. - Understanding of SEO best practices. - Ability to write in a professional tone that's engaging and easy to read. - Knowledge of the latest tech trends and industry news. If you're someone who's passionate about technology and can deliver content that&...

I'm looking for a developer to build a corporate intranet portal that will cater to the needs of employees, managers, and executives. Features: - Employee Directory: A comprehensive directory of employees with their contact information and department details. - News and Announcements: A section to post company-wide updates, events, and news. - Document Sharing: A secure platform for sharing and collaborating on important documents and files. Design: The design of the portal should be corporate and professional, reflecting our company's ethos and brand image. Clean lines, professional color schemes, and intuitive layout are key to ensuring this portal is both functional and visually appealing. Skills and Experience: - Proven experience in de...

I need a Wikipedia page created for an artist. The topic is to be centered around their life, major works, and overall impact. - The page should be engaging, well-written and provide a balanced and neutral point of view. - The artist's life should include significant events such as their early years, education, and any major influences. - A de...have influenced the art world and culture at large. Ideal candidates should have: - Prior experience in creating artist biographies on Wikipedia. - Strong writing skills with an ability to convey complex information in an engaging and comprehensive manner. - An understanding of Wikipedia guidelines and policies. The details of the artist and links to the artist’s work will be provided. Links to news articles on the artist wil...

...involving the Dynamics GP and the Saudi Government's e-invoicing portal (Gov). Key responsibilities include establishing a connection to the Gov portal for e-invoicing, generating a QR code as part of the task, and ensuring complete compliance with the regulations in place. To be successful in this role, you should have: - Prior experience integrating ERP systems, particularly Dynamics GP - Familiarity with the Gov e-invoicing portal - Ability to generate QR codes - Understanding of compliance requirements in this context Please apply detailing your past experiences in similar roles. integration of ERP (Dynamics GP) with Government in Saudi Arabia for E-Invoice phase2. Some of Requirements: Connection to the e-invoicing portal. ... QR code generati...

I'm looking for someone with proficient data entry skills and bonus if they have unique formatting capabilities. The task concerns entering text data into a spreadsheet software. Although I don't have a specific format or template, creativity and organization are welcome. Key skills include: - Data entry - Familiarity with spreadsheet software - Excellent attention to detail - Ability to select a clear, logical format While previous experience in data entry is preferred, it's not essential as long as you're ready to take on this task with maximum precision. If you believe you're the right fit, I'd love to hear your approach on how you would tackle this particular project. Let's create a well-structured data paradigm together.

App and Web for same industry institutions(All in one) 1. Users to access all institutions' info on the same and one app 2. Institution to pay fees to be visible on the app par category  Platinum  Diamond  Gold  Silver  Bronze 3. Every week reclassification based on extra payment 4. Clicking on tab , the app will show all institutions' info. Redirection to the institution app 5. Users should also vote using Net Promoters Score(NPS) method 6. The NPS will be sent to all institutions every month 7. The user would win points and MoMo money if he/she recommends the app to other users Condition : recommended users should download/Install/verify/visit at least one institution app/web and recommend new users 8. The institutions will pay an extra amount via the web with a credit/d...

I am in need of an experienced WordPress developer to create a company website with a clear focus on our boat model catalog. This website will be primarily a showcase of our extensive line of boats, including boat specifications and high-resolution images for each model. I require the WordPress implementation, organization, and manual. We have the RT19 template online, that needs to be organised and tweaked to our requirements. A manual must be made so we have a guideline to make the content to the site specifications. Key website functionalities will include a precise search feature for easy navigation of our catalog, as well as social media integration for maximum exposure. We are looking for a labelling/category to navigate between the boat models and their respective capabilit...

I'm looking for a skilled Drupal developer to create a complete and fully working custom e-commerce portal with specific features and integrations. Key Requirements: - Product Catalog: The portal should support a product catalog with 100-500 items. - Shopping Cart: A fully functional shopping cart allowing users to add, edit, and remove items. - User Registration: User registration and login system for customers to track their orders and save their details securely. Specific Integrations: - Payment Gateway: Integration of a secure and reliable payment gateway to facilitate online transactions. - Shipping Provider: Integration with a reputable shipping provider to ensure timely and efficient delivery. - Social Media: Incorporation of social media functionalities to enh...

I'm experiencing a challenge with sharing articles from my Joomla website to Facebook. I'm seeking a skilled professional to investigate and correct the issue. Key points include: - The problem: When an article link is shared on Facebook, the title and image fetched are incorrect. - The challenge is inconsistent: This isn't happening for every article, but only for some. - Sharing method: Articles are shared to Facebook through direct links from the Joomla site. The ideal freelancer for this project: - Should have a strong understanding of Joomla and its extensions. - Experienced in debugging and resolving Facebook sharing issues. - Knowledgeable in social media plugins and debugging inconsistent data fetching.

I need a single page design for a demonstration and later you had to finish the site. I have logo and similar sites you can use as a template. Design shall be 100% responsive specially important that users can see the site on smartphones and desktops computers Our site is make in php and we don't use wordpress.

I need to migrate my Joomla 3 website to Joomla 4. I have the new templates and components from JoomDonation ready for you to implement. Requirements: - Full migration from Joomla 3 to Joomla 4. - Implementation of new templates and components supplied by JoomDonation. - Ensure the migrated website is fully functional and compatible with Joomla 4. Key Points: - I have a backup of my current Joomla 3 website, so you can use this to facilitate the migration process. - There are some third-party extensions on my current Joomla website, these need to be accounted for during the migration and will be supplied. Ideal Skills and Experience: - Proficient in Joomla CMS, with experience in migrations. - Knowledge of JoomDonation components...

I'm in need of a talented developer who can create an application that collects data from a domestic News API channel in both Hindi and English, and then converts this content into a 100-word summary in real-time. Key requirements for the project include: - Utilizing the News API to collect news in both Hindi and English - Implementing an efficient and effective algorithm to summarize the news into 100 words - Ensuring the summarization process takes place in real-time - Optimizing the application for high performance The frequency for data collection from the News API should be every 15 minutes. Ideal Skills and Experience: - Proficiency in working with APIs and data collection - Strong background in natural language processing and summarizatio...

I'm in need of an experienced finance expert who can help me calculate financial ratios for Nestle over a period of 3 years. These figures will be vital in evaluating the financial health and performance of the company. Key Project Requirements: - Calculating profitability, liquidity, and solvency ratios for Nestle for 3 years - Presenting the calculated ratios in tables - No need fo...in tables - No need for a comparative analysis with other companies, just Nestle Ideal Skills and Experience: - Proven experience in finance and accounting - Deep understanding of financial ratios - Experience in presenting financial data in clear and organized tables I'm looking forward to working with a professional who can provide accurate and reliable financial analysis. I will attach a t...

...functionalities are to develop a very good dashboard / admin back-end, which can store client details - develop a record card system for each visitor and customer.. We will have user registration and login, and a seamless online ordering system for our product. Key Requirements: - User Registration and Login: The website should allow for a clear and secure user registration process, and a login portal for returning users. Ideally, we would like to make use of intelligent ‘multi-step’ forms - with 1 sign-up question at a time, and we will have Different Access Levels: I require different access levels for clients and multi-user / admins. Admins should have the ability to manage the product catalog and edit other site content. - Payment Gateway Integration: The webs...

I urgently require an efficient freelancer with expertise in Joomla, web development, and working knowledge of Google Maps integration. Your responsibility will be to make some updates on my website. Tasks: - Replacing an existing picture with a new one. I'll provide the image. - Integrating Google Maps with full-width display. The correct address will be given. - The map should feature a Street View option for users. The project needs to begin immediately and completed swiftly. Payment is contingent upon completion of tasks. Please bid only if you're prepared to start right away. Thank you! Skills: - Joomla - Web development - Google Maps integration

I'm seeking a seasoned writer with a deep understanding of the vaping industry who can create engaging and informative content for a Vaping News & Blog project. This writer will share up-to-date news, well-researched articles, and thought-provoking blog posts, attracting a variety of readers including vaping enthusiasts, newcomers to vaping, and health-conscious individuals. Through this content, we hope to foster a genuine connection with the vaping community. Your responsibilities include: • Providing up-to-date news about the vaping industry • Writing informative articles that meet the interests and needs of our reader base • Examining and reviewing vape products Ideal Skills & Experience: • Proven experience writing about vaping o...

...decision-making, particularly in developing economies. THE JOB DESCRIPTIONS & REQUIREMENTS: - Conduct research on the provided [individual(s) or Party(s)] in all local and national news media and social media in both the native language and English. - Significant news in the last 10 years, eg, Merger & acquisition, New business/project announcement / new joint-venture - Changes in organization structure, including changes of shareholders, board of directors, key executives, etc. - Major announcements on the company as well as related companies (eg. secured new projects, incurred substantial financial losses, etc.) - Significant news on the subject company as well as related companies e.g subsidiaries, branch offices, associated companies, joint ventures, et...

I find myself in immediate need of a meticulous individual with data entry skills. Your task will involve: - Entering copious amounts of text data, with strong attention to detail. - Ensuring accurate input within the Joomla platform. To be considered for this job, you should: - Have previous experience with data entry. - Be familiar with Joomla. - Be available to start immediately and work efficiently. Accuracy and speed are of the utmost importance for this job. Your ability to produce high-quality work in a prompt manner will define its success.

I am in need of an email marketing specialist to help me craft and execute an email campaign aimed at increasing my brand awareness. This campaign will be targeting my existing 1000-5000 email subscribers. I have a template that can be used. I will need help with content. We are currently using Mailchimp. The message should be brief, to the point and engaging. I would like to be able to send out consistent content without it being overwhelming. Key aspects of the project include: - Planning: Strategizing the content & layout of the emails with emphasis on brand messaging and awareness. - Execution: Regularly sending out emails on a weekly basis, to ensure consistent and sustained awareness. - Monitoring: Tracking metrics and analyzing the success of the campaign. The idea...

...and customer portal. The website is an informational site, but the customer portal is the heart of the project. It should be designed to handle our Software as a Service (SaaS) licensing. The main functionalities required are: - **Payment Processing:** The portal needs to process payments from our clients. - **License Management:** The portal should manage our SaaS licenses. Ideal candidates for this project should be well-versed in web development, particularly in creating user-friendly and efficient customer portals. Experience with integrating Square and Zoho Books is a plus. It's crucial that the website and portal are secure and scalable. A good understanding of SaaS models would also be beneficial. Additional Requirements IoT Hybrid Solu...

Hi Aryan R., these are the two projects: 1) adding Rongta network ( Ethernet and wifi ) connection - Milestone 1 : $200 2) Changing invoice and payment page template to show slide show on the half left side : Milestone2 : $50

I'm looking for a WordPress developer with expertise in the Flatsome theme, particularly version 3.x. The ideal candidate should also be skilled in using Flatsome's UX builder. The project involves creating a website based on a pre-designed template in Figma. Key Requirements: - Proficiency in Flatsome theme, specifically version 3.x - Strong understanding of Flatsome's UX builder - Experience in connecting premium plugins - Familiarity with Google APIs and integrating them into WordPress Key Tasks: - Develop a website in WordPress using the provided Figma design. - Connect the following premium plugins: Gravity Forms, Rank Math, and Google Sheets to WP (Dynamic Table). Specifically, I expect the Gravity Forms integration to: - Allow form submissions to be sent as ...

I need a skilled ESXi Vsphere expert to set up my existing hardware for hosting websites and software testing and run multiple virtual machines. Key Requirements: - ESXi Vsphere Expertise: You should have extensive experience in configuring and managing ESXi Vsphere setups, including managing multiple VMs. - Clusters Setup and Datastores along with VM Template - integrate the smooth process of utilizing IaC tools such as Ansible Terraform or Packer and VMs management and creation - Setup the networking and configure/enablement of Vsphere features such as the Vmotion and Vapp - Website Hosting Understanding: Given that the primary purpose of this setup is for hosting websites, knowledge of best practices in this area is highly desirable. - Scalability: The setup should be able to h...

...Create written copy for blogs, social media, email nurture campaigns and email campaigns from ideation - Provide support to the wider team on copywriting Digital: - Change page content and data as directed - Support the Marketing Manager with console, analytics and lead strategies - Confidently utilise AI (AgentGPT and ChatGPT) to support content generation - Actively review incoming Google Alerts, news articles and LinkedIn accounts to keep on top of relevant industry updates for our Managing Director Social Media: - Produce content for Instagram posts, Instagram stories, Facebook and LinkedIn - Generate monthly newsletter content including pillar content, special events, speaking opportunities, announcements and project updates –––– Average market...

Seeking a talented individual or team to create a dynamic and customizable spec sheet template for our furniture collection. The template must include slots for pictures, names, company info, and various pieces from different styles. Must support auto-fill functionality based on pre-defined formulas but allow manual data entry. It would be even better if the sizes could use a formula to auto fill some numbers that have a relationship with each other (but also be able to be overwritten if needed) - As an example, there are certain relationships between alot of styles. If a sofa has 24" cushions, so does the loveseat and chair. The ch1.5, sofa 2, and extra long sofa would have 32" cushions. If the sofa has 22" cushions the bigger ones are 30". So once th...

The purpose of my project is to create an educational presentation that focuses on the theme of engineering. I require a freelancer skilled in creating engaging slideshows to best present the topic. Skills and Experience: - Expertise in creating educational presentations - Knowledge of engineering topics would be a bonus - E...topic. Skills and Experience: - Expertise in creating educational presentations - Knowledge of engineering topics would be a bonus - Exceptional proficiency in creating interactive slideshows. The final output should be a comprehensive slideshow presentation that simplifies and explains engineering concepts in a manner understandable to a broad audience. I want a creative presentation not a template or any design. I have uploaded the files, so you can c...

I need a modern logo design delivered in JPEG format. The design should have bright and vibrant color scheme. It should be visually engaging, capturing the essence of our brand while remaining minimalist and modern. Ideal Skills: - Proficient in modern logo design - Ability to deliver in high quality JPEG format - Knowledge of bright and vibrant color schemes - Experience in graphic design for branding purposes

...that you are not a bot. To save costs we will use best of industry templates like Vue - looking to use only ones that have high user base and high reviews like: Vuexy - Vuejs, Nuxt, , HTML, Laravel, Asp.Net & Django Admin Dashboard Template Key Features of the software: - User Login and Registration: A simplified user process to allow both lenders and borrowers to create profiles using their name and contact information. - Mortgage Offer Sharing: Lenders should be