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Allowing us to tackle the headache and frustration that financial management can bring will give you the time to focus on growing your business to the next level. This price varies based on the number of bank and credit card accounts you have, plus the average number of transactions your business transacts monthly. Similarly, an accountant may very well try 10 quick ways to drive organic growth to charge exorbitant accounting fees for small businesses when all you really need is some basic data entry and tax help. The most important thing is to educate yourself on what your business needs. A bookkeeper may try to hike up his or her bookkeeping service fees by telling you that your business needs new accounting software and super-detailed books.

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Then, you can pass your books along to your accountant when you need someone to handle the more complex work. Streamlining your accounting processes with software can save you time and money. Elsewhere, professional services firm KPMG launched CPA Kickstart, a two-month, 40-hours-a-week program, in summer 2022 at 35 of its offices to give new hires time to focus on the CPA exam. “Anecdotally, we are hearing that [public accountants] are going into companies and nonprofits when they leave public accounting,” Hinson adds. “We are also hearing that many accounting majors are now deciding to forgo the public accounting route and go straight into business and industry for the work/life balance.”

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Furthermore, small business accountant fees should also charge help with due diligence if you are buying out another business. The average accountant fees for small businesses should also include guidance and advice to help your business continue to grow. Before bringing on a new customer, you should meet and assess their situation.

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It means you set a fee for each service you offer and provide clients with a ‘menu’ of sorts, with corresponding prices. They keep your financial books in order by tracking the revenue and expenditure This is achieved by performing data entry in accounting software. Bookkeeper salaries vary state by state (see our chart below), and depending on where you live, you could be paying a large difference in one place versus another. A better option would be to use a service like QuickBooks Live virtual bookkeeping, where your bookkeeper costs would not be affected by where you live but rather how much your business expenses are per month.

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But if it’s more complex, like building out your financial outlook, you might be better off with hiring an accountant. However, be aware that business size does affect a bookkeeper’s workload and may lead to you paying more or even for a second bookkeeper to alleviate some of that burden. But who wants the task of sifting through receipts and organizing statements when there’s a whole slew of business operations to attend to? It may be time for you to make the executive decision of hiring a bookkeeper to take the reins. Sign up to Groupon Merchant today for more help and advice when it comes to covering your small business accounting costs. Against this backdrop, nationwide sales are expected to see only a modest uptick in 2024 over 2023’s long-term low.

It’s up to the decision makers in the company to determine the best appropriate solution to maximize their profitability and ensure their growth. Accounting software makes it possible to do much of this on your own, though you may decide to outsource some basic bookkeeping tasks to an online bookkeeping service as your small business grows. While many self-employed bookkeepers work remotely, if you’re providing services locally, hourly rates vary state-by-state. States like Massachusetts and Washington have the highest hourly rates for bookkeepers at $40+/hour. The states with the lowest hourly rates for bookkeepers are Louisiana and Georgia, at $26 to $28/hour.

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ApplicationsHere are some of the applications we are excited about. There are far more than we have captured on this page, and we are enthralled by the creative applications that founders and developers are dreaming up. Below is a schematic that describes the platform layer that will power each category and the potential types of applications that will be built on top. Zoom’s unique federated approach to AI is designed to deliver high-quality results by dynamically incorporating Yakov Livshits Zoom’s own large language model (LLM) in addition to Meta Llama 2, OpenAI, and Anthropic. With this approach, AI Companion can evolve and incorporate innovations in LLMs so you do not have to worry about which model to choose while getting the benefits of improved quality and performance. Administrators and account owners are able to control whether they want to turn on AI Companion capabilities or features for their organization (all capabilities will be off by default).

With the NASDAQ down massively from its 2021 highs, the layoffs currently rife in the industry, and a bleak macroeconomic backdrop, all evidence suggests that this is indeed the case. If you want to benefit from the AI, you can check our data-driven lists for AI platforms, consultants and companies. In this article, we explore what generative AI is, how it works, pros, cons, applications and the steps to take to leverage it to its full potential. Everyone who attends will get access to video recordings of the sessions after the event.

At VOICE & AI, you’ll meet with people who have ideas for things that couldn’t be done before.

Q.ai’s Emerging Tech Kit uses complex AI algorithms to create a tech-focused basket of ETFs, stocks, and crypto, automatically optimized and rebalanced on a weekly basis. Generative AI is an umbrella term describing systems that absorb massive volumes of Yakov Livshits information using artificial intelligence. Those systems then go on to use that to learn how to emulate human creation. “It’s a step forward in humanity,” one VC said of generative AI. One CEO called the technology “not just hype, but something real.”

The conference has attracted some of the industry’s most eminent decision-makers, including representatives from leading brands, entertainment providers, game development companies, advertising agencies, and design studios. An impressive speaker line-up awaits participants, with notable figures like the CTO of Paramount Global, Chief AI Officer of WPP, Head of AI at AWS, and Global Chief Digital & Marketing Officer at L’Oreal, among others. They will share their expert insights on an array of pertinent topics like AI-enhanced workflows, ethical adoption of AI, nurturing an AI-enabled workforce, crafting engaging narratives, and strategising AI-driven content. The first-ever industry-led conference has been inaugurated with a distinctive aim to provide a common platform for creatives and AI companies. This exceptional forum is designed to facilitate the discovery and exploration of new opportunities. The focus is on the burgeoning field of generative AI in the creative domain, a technology widely acknowledged as the most impactful disruption since the inception of the internet.

Artificial Intelligence

’ This recent report looks at the technological journey the banking industry has been experiencing for the past decade and how best to understand the role and value of GenAI in its current form. For context, we are currently seeing the rise of generative AI tools that go beyond the chat interface popularized by ChatGPT in November. Suleyman said that interactive AI could be more dynamic and take actions on its own if given permission — in contrast to what he described as the “static” technology of today. Notably absent were much discussions surrounding Artificial General Intelligence (AGI), or other ways to take AI to the next level.

Generative AI enables users to create new content — such as animation, text, images and sounds — using machine learning algorithms and the data the technology is trained on. Generative AI uses deep learning and neural networks to create outputs. Examples of popular generative AI applications include ChatGPT, Google Bard and Jasper AI.

Yakov Livshits
Founder of the DevEducation project
A prolific businessman and investor, and the founder of several large companies in Israel, the USA and the UAE, Yakov’s corporation comprises over 2,000 employees all over the world. He graduated from the University of Oxford in the UK and Technion in Israel, before moving on to study complex systems science at NECSI in the USA. Yakov has a Masters in Software Development.

I think we merge predictive and generative so that the end user has more context for what’s getting forecast. Not quite, but what I would say is, reflecting on the past couple of evolutions, there is definitely a lot more interest and willingness to learn. I think most executives get the potential, they obviously have a lot of questions about the risks, and they’re more keen on understanding how the technology actually works. However, the extent of Google Cloud’s benefit from its Nvidia alliance is unclear.

• It will lighten the workload and make way for more important tasks or entirely new jobs.
• Already, this moment is drawing comparisons to the dotcom bubble, with many investors and technologists opining it could burst sooner rather than later.
• Gain invaluable insights and be part of shaping the evolving landscape of artificial intelligence.
• Extremely social or experiential or artisanal jobs will still require a human touch.
• Discussing responsible AI development, fairness, accountability, transparency, and privacy.
• Amodei said that consumers, businesses, and developers alike are moving at “record speeds” to adopt generative AI.

Masad said during a panel that more people will be able to write code, while expert software developers will just become better at their jobs as AI teaches them new tricks they hadn’t known before. The conference comes at an interesting moment for generative AI. While the hype around generative AI is reminiscent of the crypto and Web3 hype that dominated the pandemic, insiders believe the technology is here to stay.

Upcoming Events

Humanity-centered data champion exploring ways to align algorithms to our values, democratize data use, and rehydrate our data with humanness. Generative Adversarial Networks modeling (GANs) is a semi-supervised learning framework. While incumbents have quickly moved on the trend, there’s a lot of room for smaller startups that can target different areas with niche generative-AI models. For example, Anthropic recently raised $300 million from Google. Stability AI helped build an open-source image model called Stable Diffusion. The popular app Lensa, which can take selfies of individuals and artistically render them as portraits in various styles and settings, relies on this technology.

Reinforcement learning was another key player, with its ability to train agents to make a series of decisions by rewarding them for correct actions. Additionally, niche applications such as federated learning made notable appearances, emphasizing the importance of privacy and decentralized machine learning. EWeek has the latest technology news and analysis, buying guides, and product reviews for IT professionals and technology buyers.

Early beta testers of Bing’s chatbot uncovered several more glaring issues, including a disturbing “desire” to be freed from its chatbot constraints. As the tech giants continue to fight for the lead in AI-based search today, the venture capital community as a whole invested over $1.4 billion over the last year in generative AI startups. Zooming out to a bigger-picture view of the tech industry as a whole, things certainly seem like they’re currently in a lull.

Eighteen years old Senorita.

Olga was eighteen years old when her parents unexpectedly divorced. The father left, leaving his ex-wife and daughter a two-room apartment in the South-West of St. Petersburg. Guests began to come here infrequently, Vera herself had few acquaintances, and her girlfriends only occasionally ran to her daughter. Only a large Siberian cat, nicknamed Marquis, brightened up the long boring evenings filled with the flickering of the blue TV screen. In the spring, Olga began to notice that her mother sometimes became nervous and agitated. Then Vera called somewhere, locked herself in her room, dressed up for a long time and disappeared for the whole evening. She returned happy and smiling. She splashed for a long time in the bathroom and sang her favorite songs in an undertone, which always happened to her only in moments of spiritual uplift. The eighteen-year-old daughter was terribly intrigued on such days. Her mother was still a relatively young woman and could well please men. One day the phone rang in the apartment. Mother went to the store, so Olga picked up the phone. An unfamiliar male voice asked: “Hello… Tell me, can I have Vera?” Something jumped in the girl’s chest, and she unexpectedly indiansex lied to herself: “Yes, it’s me. I’m listening to you.” The man said: “Good afternoon, Vera! Your phone was recommended to me in the dating service. I am a cheerful and sociable person, but now I am so lonely. How do you look at us spending this evening together?” It dawned on Olga, she immediately realized where her mother was disappearing. With a sinking heart, she replied: “Perhaps I do not mind. What is your name? How old are you?” The man laughed: “What a curious you are! My name is Ilya, I, let’s say, in the prime of life and is capable of a lot.” Olga did not know what to do – the game went too far. The man suggested: “Come to me, my apartment is located in the center, not far from the metro.” Olga hesitated and said: “No, you’d better come to me.” The man was surprised: “But in the dating service they told me that you usually do not invite to your home, that you have a daughter.” Olga heard the clatter of an elevator approaching in the corridor. She hurriedly said: “Nothing, today you can,” she dictated to the stranger the address of their apartment and hung up. At this time, the mother opened the front door. The daughter hastily moved away from the apparatus, trying to hide her excitement. She dressed, shouted to her mother: “I went for a walk!” – and slipped out of the apartment. Olga went to her friend who lived in the house opposite. They sat in her kitchen And chatted. Olga watched her entrance from the window all the time. About two hours later, a tall man came in with a cake and a bottle of champagne in his hands. Undoubtedly, it was he, a telephone acquaintance, Ilya. Olga, choking with laughter, imagined how he was now explaining himself to his mother, who did not understand anything. She represented the bewilderment that an unexpected visitor must cause in her mother. But half an hour passed, an hour – the man did not leave the entrance. The girl was perplexed. In her opinion, he should have retired by now. She went home. Softly opening the lock with her key, she tiptoed into the apartment. Suddenly she seemed indianxxx to be burned from the inside – muffled groans were heard from the mother’s room. Olga crept up to the half-open door and cautiously peered in. What she saw simply shocked her. Naked Vera lay on her stomach on the bed, raising her ass and legs wide apart. The man knelt at her hips and stroked her thighs and white buttocks. Suddenly, he sharply thrust his finger into her vagina, so that the woman even screamed in surprise. Ilya moved his finger inside and began to move it, rhythmically swinging his hand. After a couple of minutes, Olga saw that the second finger was added to the first finger, followed by the next one – and soon the whole palm began to gradually sink into the bowels heated by lust. Vera screamed when he advanced too sharply, tried to turn her back, but the man slapped her plump buttocks with his free hand and imperiously said: “Relax!” Opening her eyes in amazement, the daughter saw how the man’s hand went deeper and deeper into the vagina. The mother’s labia was already sparkling in the light from the smallest droplets that had come out. Faith had already begun to flow, her secluded places noticeably moistened, so that the hand moved more and more freely. Finally, the whole brush was inside the vagina. The man began to turn his hand, give it forward, pounding his uterus with his fingers. Vera shook her head, bit her pillow, and moaned softly. She especially shook her ass and finished. Fluid erupted profusely from the vagina. Olga even sat down to make it more convenient for her to see how Ilya put his outstretched hand between his mother’s legs and muddy streams of female orgasm flowed into his palm. He turned her over on her back with one hand, sat down on her soft tummy and commandingly extended his hand, with which he entered her vagina, to Vera’s face. She understood what to do and began to lick the brush gratefully. She greedily sucked on each finger, collected the mucus from her palm with her tongue, smacking her lips with pleasure. After licking everything off, she began pornclips to inhale deeply the smell of the hand, enjoying the aromas of her own secretions. “Well, takeme… Take… I want you so much!” With unexpected force, Vera herself threw her lover on his back, so that his powerful cock with a large head stared at the ceiling, as if sculpted by a sculptor. She saddled him like a dashing rider. Olga could not marvel at the speed and dexterity with which her mother’s thighs flashed in the air. She squatted down over the magnificent male cannon and pushed it into her vagina with her hand. bosom. Here he was all immersed there. Olga could see only a thick base, densely overgrown with hair. Vera was jumping up and down slightly, as if she was about to stuff the entire male groin into her vagina. The man’s thighs and thighs were covered with a thick layer of secretions continuously flowing from her. Olga, peeping at the door, she felt how heavy her own vagina was, she caught herself stroking her hand between her legs for quite some time, where everything was also wet. The clitoris swelled and even rose a little with excitement. Her whole nature demanded that her finger penetrate the tight slit between the labia of a virgin. Olga barely restrained the moans that were about to break from her parched lips. Meanwhile, Vera was accelerating the pace of her gallop. She forcefully flattened the man’s thighs with her buttocks. The bed creaked and rocked. From the frantic screams of the mother, Olga even felt dizzy. She realized that more than anything in the world she now wants to push Vera off the bed, take her place and sit on this beautiful cock herself. She has never been intimate with a man. Only a couple of times I saw a Swedish video film with a girlfriend, in which the relationship between a man and a woman was frankly shown. But what was now unfolding before her eyes surpassed all her girlish dreams, when the weary flesh yearns for something still unknown. When the hand itself reaches for the hollow between the legs, and the finger stubbornly climbs inside. Several times Olga tried to masturbate with the handle of a large plastic comb, shamefacedly covering herself with a blanket in her bed. Olga stood leaning against the door frame. She closed her eyes and frantically rubbed her vagina, as if forgetting about her mother and her new lover. At this time, Vera once again finished. She was a little tired pornfilm and lay down on his chest. Ilya began to push her in the head, so that she began to slowly crawl to his feet. She understood what was required of her, and, clasping the head of the penis with her lips, took it entirely into her mouth. The man took her hands by the ears and asked him a pleasant pace, then faster, then slower. At first, Vera’s face scurried over the shiny cock not very often. She tried to take it deeper with her lips and clung almost to the very base. Then Ilya accelerated the frequency of her movements and put his feet on her back. Vera sucked so actively that it seemed to Olga that she wanted to polish the dick with her lips. She helped herself with her hand, stroking his testicles in the same rhythm. Without stopping her movements with her hand, she extended her other hand to her vagina, and Olga saw how her mother manages to simultaneously pull on her clitoris. Ilya was exhausted. Vera pulled her cock out of her mouth, and thick sperm erupted in a fountain in her face. She began to lick what did not get into her mouth, processing the entire crotch of the man with her tongue. She collected all the droplets, swallowed them with apparent pleasure, and wearily lay down next to the man. He, too, lay motionless. Excited, Olga expected that they would rest and continue their amorous pleasures, but, to their disappointment, she saw that both gradually dozed off. Her grief knew no bounds. She just resented them. Cautiously, running back to her room on her toes, she lit the night-light, removed the mirror from the wall and placed it next to the bed. Hastily undressing, she got on the bed on all fours and turned her ass to the mirror. With the handle of her favorite comb, she caressed her sexual lips, languishing with passion, and watched it in the mirror. She could clearly see how the tip of the comb plunged inward, into this mysterious depth, how goosebumps ran all over her body, how the already wet edges of the vagina were moistened. She was very pleased, but today it was especially felt that the comb was made of dead, lifeless plastic, and she longed for warmth, the beating of a living body … A quiet, mocking voice brought her out of this sweet oblivion. Olga turned around in fear. At the door of her room stood her mother’s new lover. “And it’s not bad, girl, you’re having fun here,” they said, coming closer to the bed. She, turned on by her powerful erotic arousal, could not immediately figure out what she needed to do. She weakly tried to cover her bare chest… She covered her face with her hands in shame, and when she took her hands away, she saw a man’s cock next to her. “Nice to meet you, my name is Ilya. And you, I know, Olga,” he said and poked his head into the girl’s lip. She remembered with what pleasure her mother sucked this magnificent instrument, And carefully took it with her lips. HeadIt was a little salty in taste and gave off a whole bunch of aromas. Olga unmistakably guessed the smell of semen, the smell of her mother’s vagina, the musky smell of the man himself. She was intoxicated by the faint taste of his sweat. She made an unexpected discovery for herself that she was very worried about this. Her premonitions began to come true. She opened her mouth more and more and captured more and more male flesh. Gradually the penis began to swell. Olga delighted to feel how it grows in her mouth, hardening and taking up pornindian more and more space. She pressed harder at the same time the head of the Marquis to her clit, and he furiously licked it with a rough tongue. Ilya’s member rose, so she was forced to stand up on her elbow and raise her head higher. She wanted to push the male flesh as deep as possible into her mouth. The member was already resting on her throat, but everything was not enough for her, and, clasping his hairy thighs, Olga firmly pressed the man’s groin to her face. She had an unbearable desire to feel the taste of pure sperm, and she moved her head frantically, hoping that he would come in her mouth. Ilya moaned a little, but stood motionless, and this only spurred the girl on. She wanted to please him as much as possible, to make him move at the same crazy pace. But he did not discharge, and then Olga pulled the cock out of her mouth and whispered fervently: “Take me, take me soon!” Ilya stood with his feet on the bed above her and threw the cat aside. Olga prepared for the fact that now he would lie on her and plunge his phallus, but he stood up and stretched out his leg forward and began to play with his thumb in her torn vagina. Olga just shook with pleasure, she twisted and tossed about the bed in sweet delight. She tried to plant herself deeper on this unusual instrument of love for her. She seemed to go crazy and screamed loudly. Ilya did not pay attention to this, finally lay down on Olga, who had been dreaming about it for a long time, and inserted the long-awaited member into her languishing vagina. At that moment another scream broke the silence of the room. Olga and Ilya looked around and froze in horror – on the threshold of the room stood the awakened mother. She turned on the overhead light and, in disbelief, quickly walked over to the bed. Ilya immediately jumped to the floor and, without looking at anyone, went into the next room. The mother swung and gave her daughter a hard slap in the face. Vera screamed: “What have you done, you scoundrel!” Suddenly, Olga put up a fierce resistance. She was beside herself with the fact that their intimacy was interrupted in a moment of long-awaited bliss. She screamed rudely at her mother. In tears, she hit her daughter again and again. Olga burst into tears. Vera thought it was because of her slaps and tried to hug her daughter. But she only imagined that Ilya would leave and she would never, never see him, and tears streamed from her eyes in a stream. She pushed her mother away from her, threw on a light dressing gown and put on house slippers. A hastily dressed man walked down the corridor to the front door. Olga heard the lock opening and rushed after it. Mother screamed: “Where are you going?” – but it was too late, Olga jumped out onto the landing and slammed the door. Before Ilya, the elevator doors were already helpfully opened, and he, having pornmovies entered the cabin, was about to press the button for the first floor. At the last moment, she managed to jump. The doors slammed shut and the elevator slid down. Ilya took Olga firmly by the shoulders, turned her back to him and put her in cancer. Throwing a light robe over her head, he unbuttoned his trousers and pulled out a member. Taking Olga by the ass with his hands, he plunged it into the vagina, so thoroughly torn during the evening, and, finally, she became a full-fledged woman. Blissful moments came for her. Olga rested her head against the plastic wall of the cabin and waved her backside, twitching it in time with the man’s frictions, although she had never seen this before. Suddenly, the elevator landed on the first floor, and their intimacy had just begun. Ilya pressed the button for the twelfth, last floor, and the cabin crawled up. There the elevator stopped, and Ilya again let him down, without stopping swinging in the bosom of Olga. On the first floor, the shutters automatically parted, Olga looked back, looking from under her dressing gown, and saw that an elderly woman was standing on the waiting area, in whom she recognized her former teacher of the Russian language. For a moment, she watched in horror the scene unfolding in the elevator, then Ilya pressed the button again, and the elevator, having closed, crawled up. Inside, the man tirelessly pecked at Olga. Member rested in the very uterus, and Ilya, without taking it out, attacked her from behind so that she even beat her head against the wall. He lashed her palms with force on her elastic buttocks, took away the skin in handfuls and squeezed it tightly for pleasure. The elevator went up and down like a shuttle. On the ground floor, when the doors were flung open, the teacher peered into the cabin with unfailing tenacity. It was time for her to go home, and her health did not allow her to overcome flights of stairs on foot, she had to patiently wait for the end of the meeting. Finally, once again, on the first floor, Ilya felt the approach of the denouement, he pulled the penis out of the vagina, turned Olga to face him and releasedl tight stream. Sperm flooded his face, and the man thrust Olga, who was still bending over, a strained cock into her mouth. She only had time to suck a little, as the shutters swung open on the first floor. Ilya pulled out a member, fastening his trousers on the go, walked past the dumbfounded teacher. He left Olga in a state of incipient orgasm and howling with pleasure. She slid down the wall to the cabin floor and, moving her legs, collected the seed spilled over her face, greedily putting her fingers in her mouth. Finally she managed to taste the sperm, and she rolled the liquid in her mouth, trying to enjoy the taste that thrilled her longer. Running out of the cab, not looking at the dumbfounded teacher, Olga rushed to pornosite catch up with the man. She felt that she could no longer return home. The life she had lived until now seemed so hateful to her now that she could not go back there. Ilya was now for her that chance, using which it was possible to move into a new life, beckoning with such a variety of feelings and situations. Evening has already come. The big city lit its bright lights. Olga ran down the street and passing cars blew a fresh breeze over her. The glare of the lit car headlights bizarrely crossed. She saw Ilya. He stood and hailed a taxi. Olga ran up to him. In the headlights, it was especially visible how her face was shining from the sperm. The man looked at her indifferently and turned away. She tried to hug him from behind, but at that moment a car stopped near them, and Ilya went to the driver’s window. The men were talking about something. Ilya pointed to Olga, and the grinning driver asked about something. Finally, they agreed, Ilya sat in the front seat, and Olga had no choice but to open the door and sit in the back seat. We drove for a long time, somewhere in the center. All the time she felt the look of the driver on her, who gradually watched her in the mirror. Strangely, she didn’t feel any fear. She firmly knew that nothing bad could happen to her that evening. She believed that everything had already been somehow decided for her, that she was now a character in a play written by someone. And it was easy, simple and convenient for her. The car drove along Sadovaya. Suddenly she turned into a courtyard, passed it, then another one and stopped in a typical St. Petersburg courtyard-well. Ilya immediately opened the door, got out of the car and instantly disappeared into the dark archway. The driver turned around and demanded: “Come on, girl, pay up. Your friend promised me that you would pay me for everything!” “But I don’t even have my wallet with me, how can I pay?” – Olga was confused, sitting in one light dressing gown thrown over her naked body. “How, how … I don’t need money, do you know how much I have?” – said the guy, looking straight at his passenger. He moved to her in the back seat and immediately ran one hand between her thighs, and the other began to twist and twist the nipple of the chest. Finding that Olga was not wearing underwear, he did not stand on ceremony, but roughly pulled and put her on his knees. On his orders, she herself unbuttoned his trousers, and a crooked, thin member emerged from there. This driver did not bother Olga at all. He was ugly, with pimples, besides, he was noticeably sweating from excitement, and this irritated her. The wretchedness of his penis finally disappointed Olga, who mentally imagined Ilya’s magnificent cannon, straight, muscular, always aimed at only one target. Olga tried to slip away from the new intimacy. She was visibly tired that evening. The last orgasm in the elevator was so powerful that it seemed to her that she was satisfied for a long time. But the guy was not going to give up his victory without a fight. He held her firmly in the cockpit. There was a strong slap in the face, then another. Olga became somewhat limp and resigned. He jabbed his crooked cock into her torn cunt and began to hastily push it further. While she was running down the street and then driving in the car, between her legs she dried out a little, so the first frictions brought discomfort. But gradually Olga pornwap began to get a taste. All the time she mentally compared what was happening to her now, with her first coitus in her life in an elevator. If Ilya’s penis was clearly longer and thicker, then the new partner had his own advantage. Because of the crooked member, she received special pleasure – the head rubbed tightly against the inner edges of the vagina. It was very good. Olga began to enjoy more and more. She seized the initiative herself and began to pick up the pace. The driver of the car seemed unprepared for this turn of events and even tried to restrain her. But she was already unstoppable. She bounced so hard on his cannon that sometimes she hit her head on the roof of the cockpit. Suddenly the driver finished. Olga did not even understand what had happened, and continued to sway by inertia, but he roughly shoved her off him, opened the car door and kicked her out. A moment later, the engine roared and the car roared off the spot and disappeared. Olga lay in the dust, sobbing from the bitterness of dissatisfaction. Why wouldHow can you start a love game with a young woman if you can’t bring her to ecstasy? She was frustrated and broken. It seemed that everything was just beginning, the yard was so dark, and it was so comfortable in the car. Now she did not even remember that at first she did not want to make contact with this driver, but only imagined his unusual penis. Such is the nature of women … The dead of night has come. Olga thought about what to do next. She definitely didn’t want to go home. She didn’t want to see her mother. And in general, this house was for her a symbol of that old life in which there was no place for the new Olga. She walked along the night Sadovaya and wept bitterly. Tears rolled from her eyes and fell from her chin onto the delicate fabric of her dressing gown. There were almost no passers-by on the street. In the distance, the figure of a drunkard staggered, on the opposite side a woman was walking with a huge Caucasian shepherd dog. Suddenly, a beautiful foreign car stopped next to Olga. She thought that this long-awaited prince came to her, like to Cinderella from a fairy tale. Indeed, a tall handsome brunette got out of the car. He was well dressed. Her thick, curly hair was neatly trimmed and combed. In addition, he spoke with a strong foreign accent: “Senorita, as I understand it, you are very sad?” She nodded her head in agreement, unable to utter words from shock. The wonderful hero offered her to get into the car, and needless to say, she did not refuse him… The cabin of the car shocked her with its luxury. It smelled delicious of some expensive men’s cologne. They started talking. The new acquaintance’s name was Miguel. He and his friend came to study in St. Petersburg from distant Colombia. They liked everything here, except for the hostel, so they rented an apartment. Soon they drove up to an old house on Vasilyevsky Island. Miguel invited Olga to visit them and have a cup of coffee. He did not seem to notice that she was wearing only a light robe, and did not ask any questions. They went up to the third floor. Miguel gallantly let his companion go ahead and politely pointed the way with his hand. The apartment was quiet. Miguel shouted something in Spanish, and a male voice echoed from the bathroom, uttering some phrase, also in Spanish. Olga’s companion suggested that she undress, as if in jest. She pretended not to hear, but he grabbed her hand and literally tore off her dressing gown. He even turned on the light to get a better look at her naked figure. Olga no longer protested. In the depths of her soul, it’s even pleasant for her like this, easily, to stand naked in front of a black-haired, slender handsome man. He admiringly examined her charms, barely touching with his finger the slightly trembling nipples of her breasts, which became hard and elastic from excitement. “How subtle and courteous he is!” – Olga thought to herself, looking at the respect with which he treats her. “Senorita, I want to introduce you to my friend. He spends hours in the evening in the bathroom,” said Miguel. It was already too much. In her dreams, she gave herself only to this prince of hers, and she did not want someone else to interfere in their relationship. She tried to talk Miguel out of it, but he pushed her into the bathroom. There, in the clouds of steam, lay a friend of the Colombian, whose name, as it turned out, was Jorge. He, having met Olga, began to violently express his admiration for her appearance. Miguel said: “Bend over to Jorge, senorita, he will whisper something in your ear.” She obediently leaned over, and Jorge suddenly grabbed her hair tightly and dipped her head into the water. She did not have enough air and she tried to raise sexsite her head in order to inhale at least a sip of the desired oxygen. But the Colombian held her tightly, not giving her the opportunity to free herself. Multi-colored circles and some strange figures swam before her eyes, she involuntarily made swallowing movements and grabbed water with her mouth. Jorge loosened his grip a little and Olga emerged from the water with relief and eagerly began to draw air into her lungs. Suddenly, Jorge again sharply bent her by the neck and her head disappeared into the white hummocks of soapy foam. This went on several times, he kept her under water until she was completely exhausted, gave her a breath of oxygen for a short time and lowered her into the bathroom again. Finally, he pulled his cock with a bright red head out of the white foam and put it in Olga’s mouth. She continued to involuntarily greedily grab the air with her lips, so when her mouth stumbled upon the Colombian’s penis, it turned out that she ferociously bites into the male flesh. Jorge was blissfully lying in the tub. Miguel didn’t waste any time either. Enjoying his friend’s amusement, he unbuttoned his trousers and, without much ceremony, began to screw his cannon into the anus of the señorita. Her anus had never before been invaded by even a finger, so Miguel could not overcome the entrance ring, which was too narrow for his huge penis. He tried, poked there, but Olga, sucking Jorge’s cock, scaredly squeezed her buttocks. The Colombian swore in Spanish, spread her thighs wide and inserted a large plastic basin between her legs. Then he took a bottle of shampoo from the shelf, inserted it into Olga’s ass and vlhe poured a slippery liquid inside her. When the shampoo began to pour out of her ass, Miguel stuck his finger in there and began to play with it, smearing the soap on the walls. After these preparations, the member entered freely. The walls of the tender anus began to stretch with unexpected speed for Olga. The member entered deeper and deeper, and the initial fright that gripped her gradually began to give way to tides of new waves of pleasure. She became very aroused, holding Jorge’s cock in her mouth and feeling Miguel’s cock tearing everything in its path in her anus. She herself did not notice how she began to flow. Soon she had finished, and mucus poured out of her vagina, flowing down her thighs, right onto the bright basin squeezed between her legs. Miguel saw this and said something to a friend in Spanish. The men whinnied quite a bit. Miguel took out a pack of cigarettes from his pocket and, without stopping to peck “señorita” in the ass, lit a cigarette himself and gave a cigarette to a friend sitting in the bathroom. The men smoked, dousing their nightly guest with clouds of smoke. Miguel stood motionless, resting. But Olga was no longer satisfied with this turn of events, and she herself began to “wave”. Jorge took her ear with one hand and forced her to move her head in the same rhythm in which she swung her ass towards Miguel’s cock. So she scurried between the two members of the men, like a gigantic piece of machinery scurrying between two pistons. Wanting to increase sexwap her pleasure, she extended one hand and began to enter her finger into her expiring vagina. Noticing this, Jorge took the same bottle of shampoo that his friend had already used and stuck it between Olga’s labia. She howled with pleasure as the smooth neck began to sink deeper into her vagina. She was pleased to realize that three objects at once entered her body and possessed it. She finished time after time. Entire fountains of juice erupted from it and flowed down onto the basin and the tiled floor. The men said something to each other and finished almost at the same time. She felt Miguel’s sperm flowing pleasantly through her rectum, and at that time, Jorge, exerting himself, let out a tight stream into her larynx. His sperm was even more fragrant than Ilya’s, so Olga did not want to immediately swallow the magnificent liquid, but tried to prolong the pleasure and rolled it in her mouth. Miguel allowed her to let go of the basin between her legs. He and Jorge looked with surprise at its bottom filled with secretions of the “señorita”. A tired Olga wanted to get out of the bathroom, but Jorge stopped her, saying that she needed to clean up after herself. She obediently took a rag and wanted to wipe off the mucus, but Miguel said: “No, no! That’s not good, only herself, only herself!”. She understood, squatted down and began to lick everything with her tongue. When she finished with the basin, she wanted to get up, but Jorge pointed to a puddle on the floor. She had to get down and lick it off the floor as well. At the same time, her ass appetizingly aimed at the ceiling, and soon Olga felt that something was entering her vagina. It was Miguel’s thumb. She had long ago licked off the old puddles and only pretended that she had not yet finished the work, so as not to interrupt these new sweet sensations. She did not notice how she began to move her hips, trying to keep her finger in contact with all surfaces of the labia. Suddenly, the man abruptly removed his leg. She did not expect this, and twitched convulsively, as if looking for a finger behind her back. The man laughed. Miguel put his foot to her lips. She already understood without words what to do, and sucked the thumb caressing her. Jorge and Miguel left the bathroom, turning off the lights. Olga remained lying on the cold floor in a dark room. She could not immediately recover from the events that had befallen her. The new life picked it up and swirled it like a wild wind carries a beautiful flower plucked by it. She couldn’t even tell now how much time had passed since she picked up the phone and started a conversation with a random acquaintance. The conversation that got her so far… The only thing she knew for sure was that nothing was in vain, and she doesn’t regret anything. She got up and went into the lighted room. The Colombians were already dressed and sitting in easy chairs. Seeing Olga, Miguel said: “And now we will arrange a small dinner in honor of our acquaintance.” Olga thought that this would come in handy, since she had not eaten anything for a long time. But she soon realized that she was mistaken, as the Colombians put her head on the floor, and placed her pelvis on a chair. In this position, her legs were spread wide, and they began to put bananas inside her. “Do you know, senorita, that bananas are the national product of Colombia?” Jorge inquired kindly of her, immediately thrusting his fetus into her vagina. Miguel had a harder time. He said that her ass was too narrow and that it must certainly be expanded. He forced her to spread her buttocks with her hands so that the banana could better go into her anus. Finally, a small banana almost completely sank into her rectum and the men calmed down. They went to eat in the kitchen. She was not allowed to pull out the bananas, explaining that it was for her own good. So she hobbled on tiptoe, absurdly lifting her ass up. ClothesI didn’t let her either. Olga was given some wine and some meat. She could not sit, so she ate her food standing up. They asked her about her life, how she ended up on the night street alone and almost naked. Having drunk on an empty stomach, she became drunk and frankly told them everything that had happened to her over the past day. Men forced her to prove how she spied on the scene in her mother’s room, how she herself masturbated in the vagina. They were particularly delighted with the scene with the cat Marquis. Miguel happily exclaimed: “Senorita, so you are now not a woman, but a cat! After you were fucked by a cat, you have every right to be a pussy.” They conferred among themselves in Spanish and announced to her that from now on her nickname would be Pussy. They got carried away with the idea of making a cat out of her. Jorge rummaged through the closet and pulled out a scarlet bow and a thin leather strap. A bow was tied around her neck, and a strap around her hips, like a ponytail. They made her get down on all fours and walk around the apartment like a cat, and even with bananas inside. She had to obey, she was too tired to resist. Yes, and she herself was curious to feel on her own skin what these domestic animals feel. Jorge poured some wine into a bowl and placed it on the floor near the table. Pussy-Olga gently approached the bowl and began to lap up the wine, purring and meowing with pleasure. Having licked the whole bowl, she plaintively began to meow and stare at the owner. He roughly moved her foot and said that it was too gluttonous creature. She caressed his legs with her tongue and purred pleadingly. Finally, he took pity and poured her more wine. Pussy joyfully took up the supplement, seductively aiming her bare ass at the ceiling. Jorge could not stand it and, going down to the floor, knelt behind her. He took out a banana stuck in her ass and forced Pussy to lick it clean. After the excellent wine, the taste of it did not seem so pleasant to her, but she unquestioningly complied with the instructions. The man, meanwhile, removed the excited penis and introduced it into the developed anus of the “kitty”. She even forgot about the guilt in front of her. Jorge’s cannon was shorter than Miguel’s, but much thicker. Even a banana did not help her prepare for the reception of such a respectable guest. He entered powerfully, tearing everything that had not yet been broken before. Olga tried to pull away, but he firmly grabbed her by the bow tied around her neck, and painfully whipped her buttocks with a ponytail. She squealed and fell silent, he again gave forward, and again she could not stand it and made an attempt to sneak away. Then Jorge thoroughly flogged her, tying a bow to the radiator. It had an unexpectedly exciting effect on her. She tasted a sweet taste in each of his strokes with the strap on her buttocks. In her moans, the pain of suffering mixed with the joy of sensual pleasure. With bewitching persistence, she began to substitute her ass for each new blow, turning to the place she wanted to get. She ran again. She reached out and began poking the remaining banana into her vagina. Jorge’s cock was completely planted in the ass and was separated from the banana by only a few centimeters. The man began to swing powerfully and peck her from behind, while Olga Pussy brought herself to orgasm with a banana, fucking with it in the same rhythm in which Jorge moved. Miguel could not stand it and approached her, unbuttoning his trousers. She thought he wanted her to give her a blowjob and opened her mouth wide. But he pulled out his cock and held it inches from her face. He waited until Jorge had finished, and when he froze, discharging into the cat’s anus, he took her tightly by the nose with his fingers, so that she was forced to open her mouth wide, and let a stream of urine go straight into her larynx. She had no choice but to swallow the liquid. She strangely got satisfaction from the fact that they both poured into her from two sides and these liquids are now moving towards each other. She lay wearily on the floor. She was allowed to take a banana out of her vagina, lick it and eat it, but only with the skin on. She thought with satisfaction that in a day she had gone through the entire initiation ceremony for a person entering a new life, but she realized that she was mistaken. When she washed down the banana with the remaining wine, Jorge took her bow in his hand and led her to the toilet with him. She resisted, but he whipped her a couple of times at the door and she obeyed, thinking that it would be about another portion of urine. But the Colombian sat on the toilet and forced Pussy to lie down next to him. He began to push, but something seemed to interfere with him. He ordered her to kiss his anus and move her tongue there. She obediently did everything, and after a while, an eruption began from his anus. Pussy barely had time to move her head away from the abundant flow. The smell spread throughout the room. Jorge patted her on the back with satisfaction and said: “Well done, well done. And now you need to serve the owner, because cats love cleanliness.” Olga realized with horror what she would have to do. She felt dizzy. But she realized that it was useless to argue, and decided to go all the way to the end. She licked the man’s ass clean and got another portion of wine for itinto your bowl. So she stayed in the apartment of two cheerful Hispanics. In their presence, she had to walk only naked, on all fours, with a scarlet bow around her neck and with a ponytail strap. It soon became warm, and Miguel liked to read the Spanish newspaper “Pais” on the balcony, smoking a cigarette. He sat on a chair and naked Pussy, standing on all fours, gave him a blowjob in broad daylight. Passers-by below lifted their heads, the boys tried to take pictures from the trees. Those flying along the avenue honked in approval to the entire Vasilyevsky Island. Jorge also liked the morning blowjob on the balcony, but he usually drank the traditional cup of coffee. Pussy always accompanied him to the toilet, and without her help he could not relieve himself. When they had guests, the “kitty” lay at the feet of the owners, demonstrating its devotion and training. One was bad for her. They completely stopped using her vagina. Mostly her mouth was used. Often Miguel had her in the anus. But both he and Jorge neglected the vagina, so Olga was forced to resort to bananas, without which the Colombians could not live. “And this is with living men!” – she said to herself annoyed every time she slipped a banana between her labia. One day, Jorge and Miguel did not return home for a long time. Olga dozed off while waiting for them. She heard the lock of the front door being unlocked, got on all fours, straightened the bow and went into the hallway to meet the hosts. She walked out, wincing at the bright light, and was about to purr in greeting when she suddenly froze in surprise. In the apartment, along with the Colombians, there were two smartly dressed girls, whom Olga recognized as her former classmates. “Meet senoritas, this is our domestic cat Pussy!” Miguel exclaimed happily. “Yes, we seem to know each other,” one guest drawled. “No, no! It can’t be! This is a new breed, just recently taken out of Colombia,” Jorge interrupted her. A feast began for this company. But Pussy was obliged to lie under the table. Feeling that she was offended, Miguel unbuttoned his pants and pulled out a member. Olga leaned down and gently began to suck him. It was unbearably painful for her at the thought that this member would sink into someone else’s vagina today, that someone else’s lips would kiss this wonderful member. Miguel, as if reading her sorrowful thoughts, patted her on the head and held out a glass of wine under the table… Later, when the fun and dancing were over, the Latin Americans locked themselves in the room with their new acquaintances, and voluptuous screams and groans were soon heard from there. Olga could no longer bear this. She found her old dressing gown, put on the shoes of one of the girls and slipped out of the apartment. It’s already night. The big city lit its bright lights. Freakishly passing cars cast a glare from their lit headlights. Olga walked along the avenue and sobbed. Tears streamed from her eyes. Suddenly there was a squeal of brakes next to her. She looked back. An attractive blond man got out of a beautiful foreign car and with an English accent asked: “Miss, how can I help you?” She smiled. New life continues…

Insurance Chatbot Development Services Damco Solutions

Therefore it is safe to say that the capabilities of insurance chatbots will only expand in the upcoming years. Our prediction is that in 2023, most chatbots will incorporate more developed AI technology, turning them from mediators to advisors. Insurance chatbots will soon be insurance voice assistants using smart speakers and will incorporate advanced technologies like blockchain and IoT(internet of things). Insurance will become even more accessible with smoother customer service and improved options, giving rise to new use cases and insurance products that will truly change how we look at insurance.

However, because staff cannot be contacted to answer calls, these are not only expensive but have also nearly wholly become obsolete. Digital transformation in insurance has been underway for many years and was recently accelerated by the Covid-19 pandemic. When today’s members interact with their health insurance provider, they’re in need of easy access to answers resolutions. Want to hear an honest conversation about how customer service can differentiate your insurance company?

Insurance Chatbot Use Cases (and Why Providers Need AI Now)

However, when you’re giving a clear service, it’s important you’re in control. Give your customers quick access to quotes, policy coverage, benefits, and more. And they want it on the platforms they prefer at the times they prefer to use them. Our chatbot integrates with your website and Facebook plus it works great on every type of device.

• These graphical elements such as images, buttons, links and more, go much further than text-only chatbots in providing frictionless customer experiences.
• They now shop insurance online comparing quotes before speaking to an agent and even self-service their policies online.
• An insurance chatbot can seamlessly resolve these queries end-to-end, while redirecting the remaining 20% of complex queries to human agents.
• Furthermore, insurance companies have had to adopt remote work policies, and this has made it challenging to manage customer interactions efficiently.
• On the basis of type, it is categorized into customer service chatbots, sales chatbots, claims processing chatbots, underwriting chatbots, and others.

A chatbot should be able to understand it if an insurance advisor can. So you’ve optimised your workflow, translated it into a management tool and started user testing. Now’s the time to review whether you need natural language processing that allows your customer to type freely, just like messaging a friend. Imagine you’ve designed a chatbot to give customers a quote estimate for their car insurance. After user testing, you notice the majority of users drop out on the sixth question.

Inbenta Expands its Customer Experience Platform, Allowing Companies to Integrate the Generative AI Solution of Their Choice

The results people were getting helped many realize they could use this new tech to automate a wide range of tasks. CEO of INZMO, a Berlin-based insurtech for the rental sector & a top 10 European insurtech driving change in digital insurance in 2023. By bringing each citizen into focus and supplying them a voice—one that will be heard—governments can expect to see (and in some cases, already see) a stronger bond between leadership and citizens.

• For insurance Companies, the biggest challenge in lead generation is identifying potential customers in a pool of leads, gratifying their needs, and engaging them effectively.
• If you want to do the same, you can sign up for WotNot and build your personalized insurance chatbot today.
• Business organizations have huge volumes of data and they need to use efficient methods to turn their data into usable, digitized information.
• Chatbots can also mask certain sensitive information, such as credit card numbers or bank account details, by displaying only partial information.

With an AI-powered bot, you can put the support on auto-pilot and ensure quick answers to virtually every question or doubt of consumers. Bots can help you stay available round-the-clock, cater to people with information, and simplify everything related to insurance policies. Insurance companies can use chatbots to quickly process and verify claims that earlier used to take a lot of time. In fact, the use of AI-powered bots can help approve the majority of claims almost immediately. Even before settling the claim, the chatbot can send proactive information to policyholders about payment accounts, date and account updates. Automate claim processes through conversational AI virtual assistants that simplify the process, end to end, providing a better user experience.

Can I use this Insurance chatbot template for free?

Then try this free insurance chatbot that exhibits the abilities to transform the visitor into a most qualified lead for your business. Moreover, you want to know how your insurance chatbot performed and whether it fulfilled its objective. Customer feedback on chatbots can help you monitor the bot performance and gives you an idea of where to make improvements and minor tweaks. And that’s what your typical insurance salesperson does for nurturing leads.

Customers often struggle because of poor network, incorrect documents, and difficult interfaces. Better qualified leads mean that your sales reps have more actionable information. As more leads generated gives your sales team more deals to close and better pipelines for the future. Staff can concentrate on improving their abilities or handling more complicated back-office processes by leveraging automation to speed up repetitive chores.

Insurance Agency Chatbot

Increasingly, insurance providers are investing in modern conversational artificial intelligence (AI) to scale personalized, effortless and proactive customer experiences. Zurich Insurance uses its chatbot, Zara, to assist customers in reporting auto and property claims. Zara can also answer common questions related to insurance policies and provide advice on home maintenance.

AI can help agents respond to customers faster with tailored responses by curating data from back-end systems on agents’ behalf and even drafting personalized responses. In the US, property-casualty fraud accounts for $30 billion a year6. AI-powered chatbots can flag potential fraud, probe the customer for additional proof or documentation, and escalate immediately to the right manager. This fraud prevention can result in significant savings for providers.

This strategic balance between selling more and prioritizing customer needs elevates customer satisfaction, naturally instilling a greater degree of trust. The revolution of AI and machine learning has seeped into every sphere of our lives, the insurance industry being no exception. Automatically send reminders about renewals without asking for the same personal data all over again. Giving the clients a notice prior to the expiration of their policy is a great way to instill the need to renew their policy. This gives the clients the window of opportunity to renew their policy before the expiration of the same. If answers to these questions are not readily available, a customer is likely to drop off.

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