Max Weber: The Protestant Ethic and the "Spirit" of Capitalism. (Review)

 

Max (Karl Emil Maximilian), was born in Erfurt on April 21, 1864, Germany and died in Munich, Germany, on June 14, 1920. He was a sociologist, economist, jurist, historian and political scientist; considered one of the founders of sociology and public administration.

In his work The Protestant Ethic and the "Spirit" of Capitalism, Weber analyzes the rational and even methodical modus vivendi of ascetic Protestantism and its influence on the formation of the capitalist spirit, which was based, in his opinion, on rational economic conduct.

This is a work in which one must pay close attention to the preliminary study and the footnotes, in order to achieve a historical and socioeconomic understanding in its proper dimension.

Author: Miguel Ángel Moreno Villarroel

Notion of community and creole liveliness

Once it occurred to me to ask, out of curiosity, a good american friend, what was the difference that he considered between the Venezuelan idiosyncrasy and that of his country of origin? and, the answer was: well, I think the sense of belonging and community.

After that, when I told my venezuelan friends that opinion and, when they were about to refute that assessment, they finally bowed in favor of the american; They said, yes, he is right.

Then, as time went by, I tried to appreciate that sentence in the life experiences that I had to go through. In my classroom at the university, when we tried to solve a problem, it was difficult to agree even if there were no more than twenty of us. In the workplace, the same thing emerged in the same way, both in conduct and in omissions.

In venezuelan society, it seems that suspicion and waiting from our inaction and comfort for others or someone else to resolve the conflict situation or the resolution of any common problem, is the constant and normal way of assuming daily life with respect to our self-responsibility.

It is normal to see that each and every one of the community members compete to see who does the least, who refrains from participating the most. Creole liveliness, which is not an exclusive element of venezuelan society, is evident in each of the facets that we have to live, as a member of a specific human group.

The habit of waiting for everything to be given to you. The belief that things should be obtained without paying a fair price that guarantees the supplier to continue operating his business are patterns that come from within the home. It is believed, according to experts, that these are formed within the first seven years of the individual's life and will mark and guide our behavior throughout our existence, unless these acquired models are superimposed and altered or modified for the better.

On one occasion when I was exposing these reflections to a co-worker, he asked me: Miguel, and if someone stops applying creole liveliness in their life, then what would be their antonym, that is to say the opposite, perhaps, will he then be an asshole or a creole fool? To which I replied: no, that guy will have become a being that will breathe and live, creole decency. And, what do you think?

Author: Miguel Ángel Moreno Villarroel

Platero y yo - Juan Ramón Jiménez Mantecón

Juan Ramón Jiménez Mantecón, was born in Moguer, Spain, on December 23, 1881 and died in San Juan, Puerto Rico, on May 29, 1958. He was awarded the Nobel Prize in Literature for the compendium of his works, among which distinguishes the lyrical prose poem "Platero and I."

On this occasion I bring you this lyrical poetry by this Nobel Prize winner, which is drawn throughout its pages, with wonderfully decorated scenes and images, without falling into the linguistic goldsmithing to which many creators appeal and which disgusts many others.

I believe, and so I did, that the book should be read audibly to oneself, in order to extract with greater benefit for the soul, the sensory richness it contains.

Jiménez warns at the beginning of the work that it was not written for children; But, yes, it is a story of the poet's childhood experiences in his town of Moguer, Huelva, along with his good and inseparable friend, the donkey "Platero."

I believe that it should not be easy to work on the creation of lyrical poetry, unless the subject that is removed overflows its heart onto the paper. In this gem of literature, the author did the same by going back to his childhood memories, which were masterfully captured until eternity.

I hope you have the opportunity to enjoy it as I did.

Author: Miguel Ángel Moreno Villarroel

 

What does it mean to not let the old man in?

Going around the immense world of the web, I came across a video of a television presenter, who in turn made reference to an article or note that talked about a conversation that the actor Clint Eastwood had with a friend of his while They played golf.

The Hollywood star's friend said something like: Clint, how do you make him always look young and be in good spirits most of the time? Mr. Eastwood, who was in his nineties, responded: Dear friend, I am determined not to let the old man into my life. Perhaps, the interlocutor looked at him strangely, to which he proceeded to explain, words more, words less:

—Every time I feel that the old man wants to come in, I throw him out. Sometimes I come home and see the old man lying on the couch, I look at him carefully and beat him out; I tell him to leave my house and my life.

Well, that's as far as the anecdote shared through the media and social networks in general ends; But, what if we wanted to obtain a lesson from those words spoken by the actor, what conclusions should we reach?

From my own life experience and age, which, when I am writing this article, is fifty-eight years old, I can go on to reflect the following: At this age, which is half of the North American actor in comment, the popularly called ailments of The autumn season of every human being is present and, together with the experiential experience that accompanies us from our mind, produces emotional states that appear as if it were an ogre or a grump.

And the above is so because, in the face of any behavior that appears from people with whom we do not interact, we have a very clear idea of ​​what that action is going to end up with, and the impatience or boredom that the discomfort of our body gives us, It makes us explode with insults and insults towards this guy who is just beginning to show himself.

"The old man" is going to manifest itself in the most diverse situations of our lives; That is, if we let him in. For example: in front of a television screen, criticizing a program or person. It could be on the street, when we see a billboard that we don't agree with, because in the past the old man saw how something that was advertised as similar ended and immediately begins to criticize and even curse.

Well, I'll say who reads this, and how do I not let the old man in? The answer, since I am not a psychologist or psychiatrist, is: put yourself in the shoes or place and psycho-socioeconomic situation of the person you plan to censor. You must try to convince yourself that no matter how much experience you have, not all behaviors will end with the bad experience that you have had in the past; try to think that there are still many people who act in good faith in this world; But yes, be a little cautious in your assessments, to save your own interests in case your hunches were right and your prophecies come to pass.

Author: Miguel Ángel Moreno Villarroel

 

Crafting a Comprehensive Investment Strategy: A Guide to Building Your Financial Future

Investing is a critical component of securing a comfortable future, but it can be a daunting task without the right knowledge and strategy. A well-rounded investment plan is not just about growing wealth; it's about making informed decisions that align with your financial goals and risk tolerance. This guide delves into the essentials of investing, offering practical tips and insights to help you navigate the investment landscape with confidence.
Understanding the Investment Landscape
Before diving into the world of investing, it's crucial to educate yourself about the various options available. Your investment strategy should reflect your financial objectives, both immediate and long-term. The internet has revolutionized investing, making it more accessible than ever. However, with this ease comes the responsibility to invest wisely and avoid impulsive decisions.
The Reality of Investing
Investing is not a get-rich-quick scheme; it's akin to a long-term savings plan with the potential for higher returns. To make savvy investment choices, you need to understand how economic factors like inflation, interest rates, and taxes can impact your investments. It's also important to consider how your age and health may influence your investment decisions.
Investment Options to Consider
When exploring investment opportunities, you'll encounter a variety of options, each with its own risk and return profile:
Mutual Funds: These allow you to invest in a diversified portfolio of stocks with a smaller amount of money. Types include Growth Funds, Income Funds, Bond Funds, Money Market Funds, Sector Funds, and International Funds.
Individual Stocks: Publicly traded stocks that can be over-the-counter or listed, including Common Stock, Preferred Stock, Cumulative Preferred, Stock Dividends, and Penny Stock.
Bonds: Essentially IOUs, with options like T-Bonds, T-Bills, Savings Bonds, Municipal Bonds, Corporate Bonds, and Stripped Bonds.
Alternative Investments: Real estate, art, collectibles, utilities, and commodities offer additional avenues for diversification.
Investments can also be categorized based on risk and effort levels, ranging from low to high.
Timing Your Investment
The ideal time to start investing is after you've established a working budget, eliminated unnecessary spending, and balanced your finances. It's recommended to build an emergency fund of three to six months' salary before allocating funds to investments. Only invest money that you can afford to set aside for at least five years, taking into account factors like job security, health, and other life circumstances.
Choosing Where and Why to Invest
Determining where to invest requires thorough research and self-assessment. Your reasons for investing—whether to build an estate, supplement income, or save for future goals—will guide your investment choices.
How to Invest
Investing your money requires time and education. If you're already investing, regularly review your portfolio with a planner or broker to ensure it meets your needs. It's advisable to reassess your investments annually or when experiencing significant life changes.
The Investment Mantra
Remember the mantra for investing: Educate, Select, Monitor, and Review. Consider practicing with virtual investing platforms, such as E-TRADE's simulation area, to gain experience without risking real money.
Conclusion
Investing is a multifaceted process that demands careful consideration and ongoing education. By understanding the various investment types and aligning them with your personal goals, you can create a strategy that not only grows your wealth but also provides peace of mind for the future.
For more information on investing and financial planning, visit reputable sources like Investopedia and The Financial Industry Regulatory Authority (FINRA).
Remember, the key to successful investing is not just about picking the right assets but also about being informed, disciplined, and proactive in managing your portfolio.
Source: https://www.articlesfactory.com/

Las vacaciones del pequeño Nicolás - Little Nicholas's vacation (Spanish Edition)

Rene Goscinny. Born on August 14, 1926 in the Arrondissement of Paris, France. He died on November 5, 1977 in Paris, France. He was a French comics scriptwriter and editor, in the Franco-Belgian comics tradition. Goscinny is one of the most successful French authors in the world, with more than 500 million books sold, translated into more than thirty languages.

Nicolás' first-person narration is a gentle parody of the way children reason and express themselves. The childish mentality with which they view the world leads little Nicolás and his friends to continually get into trouble, to the despair of his parents and teachers. At the same time, children's innocent point of view often ends up exposing the absurdities and contradictions of the adult world. This subversive element makes Little Nicholas a pioneering example of modern children's literature, focused on the way the child protagonists perceive the world rather than the adult interpretation of it. Nor can we ignore the importance of Sempé's illustrations, whose style is as recognizable as that of Goscinny's narration.

In the work "Little Nicolás' Vacation", the usual relationships between adults and children can be seen; The attention that adults often stop paying to their students for different reasons is reflected in this work. Leisure time, which is a necessary element in kindergartens, is another topic faithfully treated by the author.

This story will be very entertaining for children who want to read it; To the educators, call them: grandparents, parents, teachers, tutors, etc.; for whom it would be of great reflective perspective to review it with curious and careful eyes, eager for pedagogical learning in the relationship they must maintain with beings who, with the passage of time, will become the adults that they helped to form.

I hope you enjoy it and learn a lot.

Author: Miguel Ángel Moreno Villarroel

 

Universalization of facial gestures in women?

There are details in the behavior of adolescents and young people in all parts of the world that are repeated.

I am not referring to the gestures and their corresponding study that have been carried out in past times.

I'm talking about the gestures that we can see in our daughters, nieces, sisters and even mothers; Yes, I have observed it exclusively in the female sex and not the male sex; Well, if I have detailed this behavior well.

When asking myself the question: How is it possible that all these women present the same facial gestures? The curl of the lips, the expression of the eyes, they are all so similar between well-known women and those that can be seen in film or television productions.

It's just that: maybe it's a learned behavior, fashion imitation or what? The influence of audiovisual productions is so powerful that they tend to spread like an epidemic, embedded in their products, these behaviors that are alienating, thus standardizing this very important element of personality.

We must observe ourselves very carefully, and discover if we are imitating other people's gestures that hide or falsify our authentic personality. Above all, originality and truthfulness in the daily development and deployment of our personality.

Author: Miguel Ángel Moreno Villarroel

 

Create your Brand Awareness through Designing and Branding Services

 

What is Brand?

Nowadays, we all are surrounded by brands, but what is a Brand?. The brand is the way people perceive your business. Brand content is presented through double hands-the production unit, employees, sales, customer service team, shops, and personnel. These of some peoples spread the brand and reputation of your product. So making the fame and reputation of your brand is not easy in the current market. Customers take what they need, so you have to build your brand as per the customer demand and provide them as best as possible.

What is Branding?
Now we come on. What is Branding? It is the marketing exercise in which the company produces a name, symbol, or pattern easily recognizable as belonging to the organization. This helps to recognize the product and differentiate it from different services and products. Branding is critical because it gives a memorable impression on consumers, but allows consumers, but it allows the customers to learn what to expect from the organization. It means differentiating yourself from the competitors and clarifying what gives you a better option.

Brand Awareness
The most important is the awareness of our brand in the market. So what is Brand Awareness? Brand awareness is a selling term that identifies the level of consumer acceptance of the product by its name. If you want to advertise a new product, brand awareness is the best step for your company or brand. So making brand awareness in the market helps your products or services to compete with your competitors. Ideally, understanding of the brand may include those characters that differentiate the result from its competitor.

Brand Identity
Now the question arises, what is Brand Identity? Brand identity is what makes your product and services immediately recognizable to your customer. The people can associate the brand identification with the product or service. That identification forges the relation between you and the clients, builds consumer loyalty, and determines how your customers will perceive your brand. Brand identity helps you to implement your brand strategy for your new products. The brand personality and the content strategy help you interact in ways that can make you accomplish those goals and strategies.

What is Logo?
The brand available in the market has its symbol, known as the brand logo or logo. The logo is the graphic symbol that helps to identify a company's products and services. And nowadays, the logo is used to attract the customers towards the product and services. We can logo is the combination of colours, symbols, and typographies necessary for the brand. Also, the logo is the face of any organization or business. A well-designed logo helps to build brand identity, brand awareness and represent your first impression in the market.

Many of you get confused between logo designing and branding, but there is too much difference between branding and logo design. If we take branding, we will express our values, promises, and purpose of our product and service to the customer. But if we are talking about the logo design, it is designing a logo for the brand or representing the product in the market.

What is Brand Image Perception?
If you want to promote your product and services in the market, you have to create your brand image perception in the market. Businesses invest lots of money to build their brand image, and many of them hired designing and branding services. But why the brand image is so important? Many of the customers say that they are in a relationship with a brand because of the brand's values.

Source: https://www.articlesfactory.com/

Top 5 Proven Retirement Strategies for Lasting Financial Security

This comprehensive guide offers vital strategies for achieving a stable and financially secure retirement, simplifying complex concepts without resorting to overwhelming details or sales pitches. It begins by highlighting the importance of determining your retirement financial needs, suggesting that most aim to replace 70% to 80% of their pre-retirement income to maintain their standard of living. It advises planning for annual spending requirements, considering personal finance aspects such as day-to-day expenses and healthcare, and emphasizes the need to adjust for an active retirement.

Navigating a path to a stable retirement? Key retirement strategies can make the difference between a future of financial stress and one of security. This guide cuts through the complexity, offering essential insights on optimizing your financial plans for a resilient retirement without overwhelming you with details or sales pitches.

Determining Your Retirement Financial Needs

The first stop on your journey to a secure retirement is determining your financial needs. Did you know that most people aim to replace about 70% to 80% of their pre-retirement income after they stop working? By matching up your post-retirement income with expenses, you can calculate the amount you’ll need for retirement.

Let’s break this down further.

Estimating Annual Spending Requirements

Planning to spend between 55% and 80% of your annual pre retirement income can be a good starting point for estimating your annual retirement needs. Don’t forget, an active retirement lifestyle with new activities like travel can increase your retirement budget.

By considering your personal finance, including day-to-day expenses, housing costs, food, and healthcare, you can calculate your ideal retirement savings. Following the steps for retirement planning will ensure you’re on the right track.

Planning for Inflation's Impact

Inflation, the silent wealth killer! It reduces the value of your savings over time, so planning for its impact is crucial. Historically, inflation has averaged around 3% annually, which means you’ll need a substantial increase in future income to preserve your purchasing power. There are strategies to deal with inflation in retirement that should be considered. 

Estate Planning and Wealth Preservation

Now let’s delve into an aspect of retirement planning often overlooked: estate planning and wealth preservation. This is crucial to ensure that your assets are distributed according to your wishes and to prevent financial difficulties for your loved ones. Consulting with a certified financial planner can be a valuable step in this process.

Let’s break this down into three sub-topics.

Establishing Trusts and Wills

Creating a trust is a legal contract with a named trustee, designed to ensure your assets are managed according to your wishes both during your life and after death. A will, meanwhile, is essential for directing how your estate is to be distributed after your death. Without one, your estate would be subject to state laws, potentially not aligning with your wishes.

Life Insurance as a Financial Safety Net

Life insurance policies provide a financial safety net for your beneficiaries, offering a death benefit in the event of your passing. These policies can serve as a complementary measure to other retirement plans like 401(k)s and IRAs, ensuring an added layer of financial stability.

Tax Implications of Retirement Withdrawals

Understanding the tax implications of retirement withdrawals is equally important. Strategies like using funds from taxable accounts first, followed by tax-deferred accounts, and finally Roth accounts can be tax-efficient withdrawal strategies. Remember, spreading out traditional IRA withdrawals can help manage tax brackets, especially for retirees expecting large long-term capital gains.

For high-income earners, there are other tax strategies that can be used to lower and reduce your tax burden in retirement. 

Source: https://www.articlesfactory.com/

 

How To Design A Website That Wows Your Customers

The most critical aspect of any website is its user experience. Creating a website that is easy to navigate and provides customers with the information they need quickly and efficiently can help ensure a positive user experience - and boost customer retention rates.

So, in order to stay ahead of the competition, Australian business owners need to create a website that wows their customers. Whether it's a new design or a re-design of an existing website, incorporating the following trends and tips can help create an attractive website that keeps customers engaged and coming back for more:

1. Intuitive navigation

Creating an intuitive navigation structure is key to providing customers with an easy user experience. Keep menus and submenus simple and focus on logical navigation paths that make it easy for customers to find what they're looking for.

Professional website designers often recommend using a 'mobile-first' approach to design, ensuring that the website is optimised for mobile devices. For example, a responsive website will detect the device's size and display it accordingly, making it easier for customers to navigate on any device.

2. Implement SEO

Search engine optimisation (SEO) helps potential customers quickly and easily find your website by boosting your page to the top of search engine results. This means more leads, higher conversion rates, and a better overall customer experience.

This is usually the most challenging element of website design, but fortunately, many tools are available to help. Check online for paid courses or professional SEO specialists who can assist with this critical aspect of marketing and web design.

Pro Tip: Working with Australia-based web design services near Mornington Peninsula or an area specific to your OZ location will ensure that your website is optimised for local SEO - a tactic attracting potential customers in your area.

3. Easy Hosting

Finding reliable web hosting is essential for a website's success. Without good hosting, your website could be slow and unreliable - resulting in lost customers and potential sales. Look for reputable Australian-based hosting providers with proven track records of fast, reliable service. Many also offer customised solutions tailored to specific needs, such as e-commerce websites and cloud hosting.

Pro Tip: You can save time and energy sorting through website hosting options by hiring web design services. Mornington Peninsula happens to be a hotbed of professional website designers, and you can easily find an experienced team to help you get the best hosting solution for your business.

Make Your Business Stand Out

Creating an attractive and user-friendly website can help your business stand out from the competition. Incorporating intuitive navigation, smart SEO, and reliable hosting will ensure customers have an enjoyable experience visiting your website - resulting in increased customer retention rates and higher sales.

And remember to hire professionals with proven experience to help you get the best results. Take time to research the best website design services in Mornington Peninsula and beyond to find a team of experienced professionals who can take your website to the next level.

Source: https://www.amazines.com/index.cfm

 

A Dozen Ways to Develop your Personal Brand

A strong personal brand can really contribute to building your profile and business. To pick up a few ideas on how to develop your PB read further.

Branding is building a relationship between a product or service and the consumer. It is how we feel about that brand that will determine whether we as consumers want to have a relationship with it or not.

I believe therefore that personal branding is the relationships an individual has with its public essentially personal public relations.

Effective relationships are built by communication. Personal branding is communicating the inner essence of you - your uniqueness, qualities, strengths, skills and passions. It is also about your visual communication. Not only your business communication collateral such as stationery and websites but how you appear through dress, style, and personal presence.

As we all need to make a positive impression in today's competitive work place, here's:

A Dozen Ways to Develop your Personal Brand

Personality * Work out your personality characteristics and your passions. Discover what sets you apart. Develop a personal brand statement that is just for you - your internal dialogue - then use that as a basis for external communication

Promote * Develop your PB statement into a short ad or commercial about you. When you meet people you should be able to say clearly what you do, how you do it differently, and the benefit it provides.

Package * Develop a unique style suitable to your personality and work. Dress for the role you want, not necessarily the one you have. Balance your individual style with clothing that will appeal to those you are trying to impress.

Presence * Become a class act. Learn good business manners and social etiquette. Send hand-written notes, return phone calls - it's the 'little things' that count

Publicise * Become an expert source for the media. Get known in your niche. Write articles for magazines and online newsletters. Speak for Rotary clubs and other organizations. Send out interesting media releases on your topic to journalists to help create word of mouth buzz.

People * Build your network. Make new business contacts and stay in touch with them. Choose those appropriate to you and your personal brand; those you can help and those who can help you. Help others become as successful as you. Be selective with which networking groups you belong to.

Positioning * What position do you already own with your audience and what do you want to own? Is there a unique concept or idea you can hang your hat on? Where's the creative element? Build your brand by being first with a new idea or by recognizing a major trend in your field and moving to the head of it.

Presentations * Learn to be a confident communicator. Join Toastmasters or hire a communications coach to ensure that your written and verbal skills are at their best. Strong communication skills and presentation skills are a must and being a proficient public speaker will help reinforce your personal brand.

Perfection * Well there's no such thing. We all make mistakes. You may have to try many ways to discover and reinforce your personal brand. If something is not working try something else.

Profit * We all want to be profitable but remember to give something back. Giving your time, talent, or money to charitable causes or industry associations can help build your brand. And of course it will be more enjoyable if you find something you are passionate about or complements what you like to do.

Partners * Work with the best whether employees, contractors, consultants or partners. They will help build your brand reputation. Leverage your time and find someone else to do the job for you so you can concentrate on what you do best.

Plan * Develop a personal brand plan for yourself every year, and review it often. Include specific goals, strategies, action steps, and a timetable. Need some tips on how to do this, then pick up a copy of Apprentice to Business ACE.

Above all take a professional approach to building your personal brand

Source: https://www.articlesfactory.com/articles/business/a-dozen-ways-to-develop-your-personal-brand.html

 

A Beginner's Guide to Stay Ahead of Inflation

 

Understanding what exactly happens during inflation is the key to finding ways to mitigate its impact.

Inflation is a horrible nightmare that investors and individuals fear alike. While everyone fears this very possible form of reality, not many understand what it actually may be and how it affects our finances. Understanding what exactly happens during inflation is the key to finding ways to mitigate its impact.

As a beginner, grasping the full extent of this concept can be challenging. In simple words, inflation directly affects one’s purchasing power negatively. Understanding how it works can help you cater to the threats and challenges it poses.

Here is all you must do to battle inflation and stay ahead of it at all times.

Diversify Your Investment Portfolio

You do not have to be a professional investor to have investments. Every smart person understands the power of investments for a safe and comfortable financial future. While it is a good way to grow financially, the worst mistake you can make is to invest all your money in one way.

Diversification of your investments is very important to stay ahead of inflation and mitigate your losses effectively. You can buy gold and silver online from reliable resources such as Advantage Gold, look for real estate opportunities, purchasing stocks, dividend stocks and much more to mitigate risks. 

This way, you will always have a back up plan in case things do not work out with one investment. This can give you peace of mind and comfort to focus on additional streams of income. 

Invest in Dividend Stocks

A dividend is a payment made by a company to its shareholders, usually in the form of cash or stock reinvestment, based on the company's profits. Income through dividend stocks can help investors meet their liquidity needs. It is a preferred type of investment for many beginners.

If you invest in stocks that pay dividends, you can receive a steady income that may increase over time. This advantage sets dividend stocks apart from several other investment opportunities and can help counteract the negative impact of inflation.

if you have never had the luck of trying dividend stocks before, you must seek the help of a financial advisor before proceeding ahead

Make Passive Income Streams

In addition to reviewing and adjusting your investments regularly, you can also reach your financial goals and reduce risk tolerance by focusing on increasing your income in different ways. Career advancements can be a great way of staying ahead of inflation. 

However, maintaining a healthy work-life balance must never be overlooked in the process. make sure that you get enough mental and physical rest to start fresh every day. You must avoid exhaustion in order to make your life smoother.

You must always look for side hustles and ways to earn passive income if you have the time and skills. Maintaining an income stream besides your regular job can help you keep up with global and local financial fluctuations. You will also be able to free up more funds for investments and emergency funds.

Create and Follow a Budget

It is important to keep track of your expenses and adjust your budget accordingly. A well-made budget can help you accommodate rising prices during inflation. Even if inflation is not an active issue, budgeting can help you improve several aspects of your life and prepare for the unforeseeable future.

You can cut unnecessary expenses, prioritize saving and investing, and make informed financial decisions by budgeting. If you have a partner, make sure to also involve them in the process. Creating budgets can also be an ideal opportunity for one to educate their children financially.

Source: https://www.articlesfactory.com/