Section 1 : Welcome! Course Introduction__

Lecture 1 What Does the Course Cover 6:17
Lecture 2 Everything We Will Learn Has a Practical Applic 3:19
Lecture 3 Lecture 1 - INTRODUCTION TO BRAINMEASURES PROCT Pdf
Lecture 4 Download All Course Materials and FAQ Text

Section 2 : Microsoft Excel - Quick Introduction__

Lecture 5 Microsoft Excel The World's #1 Office Software. 1:0
Lecture 6 Excel Made Easy A Beginner's Guide to Excel Spr 3:33
Lecture 7 Data Entry Techniques in Excel 3:0
Lecture 8 How to Make Your Spreadsheets Look Professional 5:49
Lecture 9 Inserting, Deleting, and Modifying Rows & Colum 1:44
Lecture 10 Excel Formulas for Beginners 2:55
Lecture 11 A Beginner's Introduction to Excel Functions 3:42
Lecture 12 Format Cells 5:24
Lecture 13 Work Efficiently by Using Cut, Copy, and Paste 2:10
Lecture 14 Pasting Values, Formulas and Formats with Past 1:16

Section 3 : Microsoft Excel - Useful Tools__

Lecture 15 Inserting a Line Break with Alt + Enter 0:49
lecture 16 Do More with Your Sales Data with Excel's Text 1:53
Lecture 17 Create Easily Printable Excel Documents 1:12
Lecture 18 How to Wrap Text in Excel and Adjust a Cell's 0:43
Lecture 19 Insert Hyperlinks into Excel Spreadsheets
Lecture 20 Using Excel's Freeze Panes to Handle Large 1:12
Lecture 22 A Quick Introduction to Excel's Pivot Tables 2:7

Section 4 : Microsoft Excel - Best Practices That Will Make a

Lecture 23 Initial Formatting Is Key for Creating Profess 1:59
Lecture 24 Macros Are a Great Timesaver! Here's Why 2:58
Lecture 25 How to Use the Same Macro On Multiple Workbook 1:34
Lecture 26 The Secret to Faster Scrolling in Excel 1:36
Lecture 27 Be even quicker F5 + Enter 1:51
Lecture 28 FAQ F5 Enter didn't work for me Text
Lecture 29 Using Absolute and Relative Cell References 2:14
Lecture 30 Find and Select Cells That Meet Specific Condi 1:30
Lecture 31 How to Create Dynamic Names in Excel Spreadshe 1:20
Lecture 32 Using Named Ranges to Make Formulas More Reada 1:34
Lecture 33 Introduction to Custom Formatting in Excel 6:14
Lecture 34 Custom Number Formatting 1:35
Lecture 35 How to Add a Drop-down List in Excel 1:50
Lecture 36 Using Custom-sort to Sort Multiple Columns Wit 1:19
Lecture 37 Saving Time in Excel and Doing Everything Fast 4:15
Lecture 38 Multiply by 1 1:35
Lecture 39 Find and Replace - References 3:4
Lecture 40 FAQ Why Do We Replace External References and Text
Lecture 41 Find and Replace - Formatting
Lecture 42 Green References 1:31
Lecture 43 Beauty Saving - The Professional Way of Saving 2:14
Lecture 44 The Power of F2 1:51
Lecture 45 Conditional Formatting 5:40

Section 5 : Microsoft Excel__Section 5. Microsoft Excel

Lecture 46 Key Excel Functions IF 2:36
Lecture 47 Enlarge the Formula Bar 1:3
Lecture 48 Key Excel Functions SUM, SUMIF, SUMIFS 4:21
Lecture 49 A Helpful Consideration Text
Lecture 50 Key Excel Functions COUNT, COUNTA, COUNTIF, CO 3:49
Lecture 51 Key Excel Functions AVERAGE & AVERAGEIF 1:51
Lecture 52 Key Excel Functions LEFT, RIGHT, MID, UPPER 4:15
Lecture 53 Working with Text in Excel 2:40
Lecture 54 Find the Highest and Lowest Values in a Range 0:52
Lecture 55 and + are Interchangeable When You Start
Lecture 56 Use ROUND in Your Financial Models 7:44
Lecture 57 Excel's Lookup Functions VLOOKUP & HLOOKUP 7:44
Lecture 58 INDEX, MATCH, and Their Combination - The Perf 7:6
Lecture 59 Using Excel's IFERROR Function to Trap Spreads 1:43
Lecture 60 A Useful Tool for Financial Analysis - The RAN 2:36
Lecture 61 Create Flexible Financial Models with CHOOSE 2:13
Lecture 62 Goal Seek Will Help You Find the Result You Ar 2:9
Lecture 63 Perform Sensitivity Analysis with Excel's Data 4:2

Section 6 : Microsoft Excel - Financial Functions in Excel

Lecture 64 Discounting Cash Flows in Microsoft Excel 7:2
Lecture 65 Calculating Internal Rate of Return (IRR) in 3:30
Lecture 66 Using the PMT Function to Create a Complete Lo 6:16
Lecture 67 Date Functions in Excel 5:38

Section 7 : Microsoft Excel - Practical Exercise Build a P&L

Lecture 68 Introduction to the Case Study 0:44
Lecture 69 What You Will See Next 1:6
Lecture 70 Understand Your Data Source Before You Start W 2:42
Lecture 71 Ordering the Source Worksheet 2:16
Lecture 72 Creating a Code The Best Way to Organize Your
Lecture 73 Learn How to Create a Database 1:58
Lecture 74 Using Lookup Functions (VLOOKUP) to Fill the D 5:29
Lecture 75 Using SUMIF to Complete the Database Sheet 4:6
Lecture 76 FAQ Why Net income should be Text
Lecture 77 Using INDEX & MATCH as a Substitute for VLOOKU 3:52
Lecture 78 The Mapping Exercise 1:41
Lecture 79 Mapping the Rows in the Database Sheet 6:14
Lecture 80 Building the Structure of the P&L Sheet 2:21
Lecture 81 A Practical Example of Professional Formatting 3:17
Lecture 82 Populating the P&L Sheet with SUMIF 2:47
Lecture 83 Learn How to Find Mistakes with COUNTIF 2:15
Lecture 84 Calculating Growth Rates in Excel 3:9

Section 8 : Practical Exercise - SUMIFS

Lecture 85 Practical Exercise - SUMIFS 8:5

Section 9 : Microsoft Excel - Building Professional Charts

Lecture 86 Introduction to Excel Charts 0:55
Lecture 87 Beginner's Guide to Inserting Charts in Excel 2:5
Lecture 88 Modifying Excel Charts - The Easy Way 2:24
Lecture 89 Making Your Excel Charts Sexier - Proven Tips. 3:2
Lecture 90 Creating a Bridge Chart in Excel 2016 - As Eas 1:37
Lecture 91 New Ways to Visualize Your Data - Treemap 1:26
Lecture 92 How to Represent Trends with Sparklines 3:47

Section 10 : Microsoft Excel

Lecture 93 Introduction 0:30
Lecture 94 Stacked Column Chart with a Secondary Axis 5:30
Lecture 95 Doughnut Chart 4:58
Lecture 96 Area Chart 3:34
Lecture 97 Bridge Chart 6:52

Section 11 : Microsoft Excel - Working with Pivot Tables in

Lecture 98 Pivot Tables - Excel's Dynamic and Interactive 1:29
Lecture 99 Creating a Pivot Table Choosing Row and Column 3:30
Lecture 100 Design the Layout and Format of Your Pivot 1:57
Lecture 101 Additional Techniques That Will Ease Your Wor 4:16
Lecture 102 One of the Most Useful Excel Functions - GETP 3:28
Lecture 103 Welcome to the Future - Pivot Table Slicers 4:3
Lecture 104 Introduction to the Course Challenge 0:46
Lecture 105 COURSE CHALLENGE - Part 1 0:53

Section 12 : Microsoft Excel - Pivot Tables & Slicers - World

Lecture 106 Introduction to the Case Study 1:54
Lecture 107 Working with an SAP Data Extraction 3:17
Lecture 108 Preliminary Mapping of the Data Extraction 2:4
Lecture 109 Creating an Output Structure of the FMCG Mode 2:24
Lecture 110 Improving the Layout and Appearance of the FM 3:51
Lecture 111 Inserting Formulas and Automating Calculation 2:24
Lecture 112 Creating a Master Pivot Table The Main Data S 1:49
Lecture 113 GETPIVOTDATA is Great! Extracting Data from 5:37
Lecture 114 GETPIVOTDATA Fix 1:17
Lecture 115 FAQ My GETPIVOTDATA Function Doesn't Work Text
Lecture 116 Combining Slicers and GETPIVOTDATA The Key to 3:13
Lecture 117 Getting Fancy with Excel Slicers 3:3
Lecture 118 This is How the Report Can be Used in Practic 3:51

Section 13 : Modeling in Excel - Building a Complete 3-statem

Lecture 119 Introduction to the Exercise 2:58
Lecture 120 Let's Create a Mapping of Financials 2:50
Lecture 121 Building an Output P&L Sheet
Lecture 122 Filling in the Output P&L Sheet with Historic 2:57
Lecture 123 Calculating Percentage Variances and Applying 3:14
Lecture 124 Building an Output Balance Sheet 3:55
Lecture 125 Using INDEX, MATCH, MATCH to Fill in the 5:10
Lecture 126 Adding the Forecast Period 4:5

Section 14 : Modeling in Excel - Let's Build a Flexible Model

Lecture 127 Calculating Historical Percentage Ratios 5:6
Lecture 128 Building a Flexible Model with CHOOSE & MATCH 1:44
Lecture 129 Building a Flexible Model with VLOOKUP 3:23
Lecture 130 Calculating Historical DSO, DPO, DIO, Other 5:9
Lecture 131 Forecasting DSO, DPO, DIO, Other Assets 3:16

Section 15 : Modeling in Excel - We Are Almost There! Complet

Lecture 132 Building a Fixed Asset Roll Forward 5:18
Lecture 133 Building a Financial Liabilities Schedule 6:24
Lecture 134 Building an Equity Schedule 4:28
Lecture 135 Preparing a Cash Flow Structure 2:17
Lecture 136 Calculating Cash Flows and Completing the 6:47

Section 16 : Accounting - Introduction to Accounting & Bookke

Lecture 137 Accounting The Science Behind Financial 1:30
Lecture 138 What is Accounting and Why Do You Need It 5:27
Lecture 139 The Importance of Bookkeeping - Good 2:34
Lecture 140 An Introduction to Financial Accounting 2:44

Section 17 : Accounting - Types of Revenues, Costs, Assets,

Lecture 141 The Different Types of Accounting Standards 2:35
Lecture 142 The Three Financial Statements 1:52
Lecture 143 Types of Revenues 2:16
Lecture 144 Types of Revenues - Exercise 1:47
Lecture 145 Types of Expenses 5:20
Lecture 146 Income Taxes 1:46
Lecture 147 Depreciation & Amortization 4:48
Lecture 148 Balance Sheet Items 4:37
Lecture 149 Types of Assets 3:36
Lecture 150 Asset Categories - Practical Example 3:47
Lecture 151 Types of Liabilities 3:45
Lecture 152 Liability Categories - Practical Example 2:31
Lecture 153 Equity 1:55

Section 18 : Accounting - Revenue Recognition

Lecture 154 Accrual Accounting 1:32
Lecture 155 Revenue Recognition Criteria - Technical 3:40
Lecture 156 Potential Conflicts of Interest When 1:56
Lecture 157 A Practical Example 5:18
Lecture 158 FAQ Doubts Regarding Calculation Text

Section 19 : Accounting - Cost Recognition

Lecture 159 Technical Aspects of Cost Recognition 2:35
Lecture 160 The Two Types of Income Statement Formats 1:17

Section 20 : Accounting - Understanding the Big Picture Why,

Lecture 161 The Revenue Recognition Principle - Why Is It 2:29
Lecture 162 The Expense Recognition Principle - When 2:10

Section 21 : Accounting - The Core Principles of Accounting

Lecture 163 The Accounting Equation and Its Importance 1:30
Lecture 164 Elements of the Accounting System General 1:42
Lecture 165 T-Accounts The Best Way to Understand Debits 4:18
Lecture 166 P&L T-Accounts 2:55
Lecture 167 The Double-Entry Principle - The Core Princip 5:19

Section 22 : Accounting - Practical Exercise The Accounting

Lecture 168 Case Study - The Accounting Transactions of a 10:16
Lecture 169 Case Study - The Accounting Transactions o 7:40
Lecture 170 Case Study - The Accounting Transactions 7:19
Lecture 171 Case Study - The Accounting Transactions 8:6

Section 23 : Accounting - The Importance of Timing

Lecture 172 Timing of Cash Flows and Why It Plays an 1:12
Lecture 173 Timing of Income Principles of Revenue 6:9
Lecture 174 Timing of Expenses Principles of Cost Recogni 3:37
Lecture 175 The Four Type of Accruals Arising in 6:11

Section 24 : Accounting - Preparing a Cash Flow Statement

Lecture 176 Calculating Cash Flows - Understand If 2:45
Lecture 177 The Three Parts of Cash Flow Statements 2:16
Lecture 178 Cash Flow Computations - The Direct Method 2:2
Lecture 179 Cash Flow Computations - The Indirect Method 3:41
Lecture 180 Calculating Cash Flow in Practice A Complete 6:19
Lecture 181 FAQ Why D&A Has Been Added in Capex Text

Section 25 : Advanced Accounting - Trade Receivables

Lecture 182 Why a Company Needs to Pay Attention to Trade 2:33
Lecture 183 What If Clients Do Not Pay on Time 3:11
Lecture 184 How to Handle Non-paying Customers A Case 2:39
Lecture 185 A Technique to Collect Trade Receivables Soon 1:47

Section 26 : Advanced Accounting - Inventory

Lecture 186 The Different Types of Inventory We Can Have 2:38
Lecture 187 The Connection Between Cost of Goods Sold and 2:35
Lecture 188 Cost Flow Methods 4:22
Lecture 189 Cost Flow Methods - a Practical Exercise 0:35
Lecture 190 FAQ How to Apply the Weighted Average Cost Text

Section 27 : Advanced Accounting - Fixed Assets

Lecture 191 The Different Types of Fixed Assets 3:8
Lecture 192 Capitalizing Interest Expenses 2:1
Lecture 193 Fair Value Accounting 2:26
Lecture 194 Intangible Assets with Finite Life 4:13
Lecture 195 The Revaluation Model 5:14
Lecture 196 The Revaluation Model - Practical Exercise 5:20
Lecture 197 Intangible Assets Created Internally 2:17

Section 28 : Advanced Accounting - Trade Payables

Lecture 198 How We Account for Trade Payables 2:51
Lecture 199 What Is the Difference Between Accounts Payab 1:26
Lecture 200 Why Use E-invoicing 3:7

Section 29 : Advanced Accounting - Financial Liabilitie

Lecture 201 The Difference Between Debt and Equity 2:24
Lecture 202 Amortizing a Loan 3:4
Lecture 203 Debt Covenants 3:24
Lecture 204 Debt Covenants - A Practical Example 1:49

Section 30 : Advanced Accounting - Leasing Liabilties

Lecture 205 The Reason Companies Lease Assets 1:19
Lecture 206 Solving a Complete Leasing Exercise 7:8

Section 31 : Advanced Accounting - Using Leverag

Lecture 207 What is Leverage and Why Companies Use 4:23
Lecture 208 The Implications of Using Excessive Leverage 3:17

Section 32 : Advanced Accounting - Raising Equity, Types of

Lecture 209 The Different Types of Equity 4:13
Lecture 210 Raising Equity in Different Stages of a Compa 5:55
Lecture 211 The Types of Dividends Companies Pay to Share 3:38
Lecture 212 Dividend Payments - a Timeline 3:5
Lecture 213 What Are Share Repurchases and Why Companies 3:12
Lecture 214 The Idea Behind Stock Splits 3:5

Section 33 : Financial Statement Analysis - An Introduction

Lecture 215 What is a 10-K Report and Why Is It important 2:27
Lecture 216 Finding, Downloading and Going Through the 6:54
Lecture 217 What Is the Role of Auditing Firms and What A 2:28
Lecture 218 Indispensable Tools for Financial Statement 1:34

Section 34 : Financial Statement Analysis - Subtleties

Lecture 219 Financial Statement Analysis - A Natural Cont 1:52
Lecture 220 First Steps in Financial Statement Analysis 2:58
Lecture 221 Horizontal vs. Vertical Financial Statement A 3:32
Lecture 222 Calculating Days Payable (DPO), Days Receivab 1:23
Lecture 223 Using Accounting Ratios to Assess Business Pe 7:24

Section 35 : Financial Statement Analysis - Practical Case

Lecture 224 Case Study - Calculating Ratios and Analyzing 6:48
Lecture 225 Case Study - Calculating Ratios and Analyzing 4:36
Lecture 226 COURSE CHALLENGE - Part 2 0:56

Section 36 : Financial Statement Analysis - Tesla Exercise

Lecture 227 What You Will See Next In This Section 1:3
Lecture 228 How to Download Tesla's Historical Financials 2:38
Lecture 229 Calculating and Analyzing Growth and Profitab 10:39
Lecture 230 Calculating and Analyzing Liquidity Ratios 6:21
Lecture 231 Calculating and Analyzing Solvency Ratios 2:23

Section 37 : Working Capital Management

Lecture 232 Introduction 2:53
Lecture 233 The Importance of Working Capital Optimizatio 8:57
Lecture 234 Overtrading vs. Excessive Investment 3:30
Lecture 235 Trade Receivables Management 8:31
Lecture 236 Re-order Level 3:21
Lecture 237 Economic Order Quantity (EOQ) 4:5
Lecture 238 Inventory Optimization Techniques 4:41
Lecture 239 Trade Payables Management 1:58
Lecture 240 Working Capital Optimization - a Roadmap 5:8
Lecture 241 Symptoms of Inefficient Working Capital 2:3
Lecture 242 Symptoms of Inefficient Working Capital 1:52

Section 38 : Fundamentals of Business & Financial Analysis

Lecture 243 Fundamentals of Business & Financial Analysis Text

Section 39 : Business Analysis in Excel

Lecture 244 Trend analysis 8:22
Lecture 245 Comparative analysis 4:48
Lecture 246 Value-based analysis 5:0
Lecture 247 Correlation analysis 3:41
Lecture 248 Time series analysis 7:59
Lecture 249 Regression analysis 5:8

Section 40 : Finance 101 - The Time Value of Money

Lecture 250 Finance 101 Important Financial Principles 0:44
Lecture 251 Understanding the Time Value of Money 1:25
Lecture 252 How Interest Rates Play an Important Role in 1:23
Lecture 253 The Components Forming Interest Rates in Real 2:41
Lecture 254 What Is Libor and What Purpose Does It Serve. 1:2
Lecture 255 The Difference Between Fixed and Variable Int 1:53
Lecture 256 What Is Default Risk and How Does a Bank 6:25
Lecture 257 Corporate Loan Specifics 1:38

Section 41 : Finance 101 - The Value of Cash Flows

Lecture 258 Calculating the Present Value of Future Cash 4:53
Lecture 259 A Tool That Helps Us Decide Whether a Project 3:54

Section 42 : Finance 101 - Loan Calculations

Lecture 260 Using Annuities 3:3
Lecture 261 Calculating a Complete Loan Schedul 6:27
Lecture 262 COURSE CHALLENGE - Part 3 0:38

Section 43 : Capital Budgeting - Basic Notions

Lecture 263 What is Capital Budgeting 1:14
Lecture 264 When Do We Use Capital Budgeting 1:58
Lecture 265 The Time Value of Money in a Capital Budgetin 2:3
Lecture 266 Calculating Present and Future Value 5:16
Lecture 267 Cost of Equity 5:57
Lecture 268 Project-specific Beta 2:54
Lecture 269 The Weighted Average Cost of Capital (WACC) 1:49
Lecture 270 The Different Cash Flow Types in a Capital Bu 2:57
Lecture 271 Modeling Future Cash Flows 5:17

Section 44 : Capital Budgeting - A Complete Case Study

Lecture 272 An Introduction to the Case Study. 2:23
Lecture 273 Organizing Inputs In the Drivers Sheet 4:57
Lecture 274 Modeling Expected Savings - Building Cars In 3:22
Lecture 275 Preparing a Fixed Asset Rollforward Schedule. 4:17
Lecture 276 Calculating the Cash Impact of Extra Working 2:17
Lecture 277 Debt Repayment and Interest Expenses Calculat 2:39
Lecture 278 The Project's P&L Sheet 1:35
Lecture 279 The Project's Cash Flow Calculation 2:56
Lecture 280 Calculating WACC (Weighted Average Cost of Ca 2:27
Lecture 281 Estimating Cost of Equity 5:49
Lecture 282 Discounting Project Cash Flows 3:5
Lecture 283 Performing Sensitivity Analysis and Wrapping 4:38
Lecture 284 FAQ Data Does Not Change in the DCF Sheet, It Text

Section 45 : Tesla Practical Case Study - Building a Financia

Lecture 285 Organizing External Inputs in a 'Drivers' She 3:55
Lecture 286 The Input Data We Will Work With 1:27
Lecture 287 Forecasting Tesla's Expected Deliveries 14:8
Lecture 288 Comparing Delivery Figures with the Ones of i 2:54
Lecture 289 Estimating an Average Selling Price of Tesla 4:51
Lecture 290 Calculating Automotive Revenue 4:38
Lecture 291 Peer Comparison Gross Profit % 2:19
Lecture 292 Calculating Automotive Gross Profit 2:49
Lecture 293 Calculating Automotive Cost of Sales 2:5
Lecture 294 Forecasting 'Energy' and 'Services' Revenue 2:53
Lecture 295 Calculating 'Energy' and 'Services' Gross Pro 2:48
Lecture 296 Forecasting Operating Expenses 5:16
Lecture 297 Building a Fixed Asset Roll Forward Estimatin 6:20
Lecture 298 Building a Fixed Asset Roll Forward D&A Sched 5:43
Lecture 299 Peer Comparison D&A as a Percentage of Revenu 1:27
Lecture 300 FAQ Why Model D&A as a % of Revenues or as a Text
Lecture 301 Calculating DSO, DIO, DPO 1:55
Lecture 302 Producing a Clean P&L Output Sheet 1:21
Lecture 303 Fill in the P&L Output Sheet 1:54
Lecture 304 Calculating Investments in Working Capital 1:59
Lecture 305 Forecasting Unlevered Free Cash Flow. 5:31
Lecture 306 Forecasting Other Assets 3:53
Lecture 307 Forecasting Other Liabilities 2:13
Lecture 308 Completing Unlevered Free Cash Flow 3:42
Lecture 309 Modeling Tesla's Financing Needs in the Forec 4:56
Lecture 310 FAQ Doubt Regarding the Formula for Outstand Text
Lecture 311 Calculating Net Income 1:23
Lecture 312 Bridging Unlevered Free Cash Flow to Net Cash 3:58
Lecture 313 Balancing the Balance Sheet 0:58

Section 46 : PowerPoint - Introduction to PowerPoint

Lecture 314 Microsoft PowerPoint The Most Popular Present 0:51
Lecture 315 The Structure of the PowerPoint Ribbon 5:6
Lecture 316 General Considerations About Slide Structure. 3:32
Lecture 317 Learn How to Insert Objects in PowerPoint 2:15
Lecture 318 Shortcuts Allow Us To Be Much Faster When 2:20
Lecture 319 Add Frequently Used Buttons to the Quick Acce 2:50
Lecture 320 How to Easily Align Objects in PowerPoint 3:41
Lecture 321 How to Edit Shapes in Your Presentation 4:34
Lecture 322 How to Format Text Boxes in a PowerPoint Pres 3:36
Lecture 323 Practical Learning - Exercise 1 3:51
Lecture 324 Changing an Object's Size and Rotation 1:31
Lecture 325 Using Slide Masters 3:46
Lecture 326 Bring to Front and Send to Back - An Importan 2:28
Lecture 327 Learn How to Create, Edit, Resize and Format 4:52

Section 47 : PowerPoint - Tips & Tricks That Will Transform

Lecture 328 An Introduction to PowerPoint Animations 2:50
Lecture 329 Modifying the Beginning and Ending of a Line 1:41
Lecture 330 Join Shapes Together By Using Connector Lines 4:2
Lecture 331 Edit Points - Learn How to Customize PowerPoi 1:34
Lecture 332 Group or Ungroup Shapes, Pictures or Other Ob 1:37
Lecture 333 This is How You Can Fit Text When It Is Large 1:43
Lecture 334 Nudge Objects 0:48
Lecture 335 PowerPoint's Smart Art Feature Offers Great R 3:17
Lecture 336 Creating Eye-Catching Text Effects in PowerPo 1:47
Lecture 337 Practical Exercise - Creating an Organisation 7:27
Lecture 338 COURSE CHALLENGE - Part 4 1:23

Section 48 : Next Steps

Lecture 339 Next Steps Text