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• On-target earnings up to £42,970, • Comprising a base salary of £32,970 - £36,620, • An uncapped monthly bonus scheme with average additional earnings of £6,200 per year., • 5 days a week, • Earn extra with our refer a friend scheme – T&C’s Apply Here at Halfords, we’re looking for a skilled Vehicle Technician / MOT Tester to join our team. If you’re an experienced mechanic with a passion for delivering excellent customer experience and keeping vehicles safe on the road, we want to hear from you. As a Vehicle Technician / MOT Tester, you’ll carry out MOT tests to DVSA standards and complete a wide range of vehicle maintenance and repair work. From advanced diagnostics & repairs to routine services, you’ll ensure every job is done to the highest standard. Drive your career forward at Halfords, the UK’s largest Automotive service, maintenance and repair business, offering excellent training & development opportunities, a wide range of benefits and an uncapped bonus scheme. Benefits Include: • 5.6 weeks’ annual leave, • Up to 50% off garage bills in our Autocentres and 25% off most our Halfords products in our retail stores, • Discounts on everything from groceries, shopping, insurance, days out, restaurants and more, • Family & Friends Discount Events, • Opportunity to buy a Trade Price Bike & enrol in the Cycle to Work Scheme, • Financial planning support via Wagestream - access up to 30% of your salary in advance, • GP Access, 364 days a year, 24 hours a day, • Join the Share save scheme with a 20% discount on shares, • Health Cash Plan – to access wellbeing services and claim back healthcare costs, • Pension Scheme & Life Assurance You will be given every opportunity to progress your career at Halfords. Access to hybrid training and IMI approved continuous development will be fully supported. Skills and experience • Level 3 qualified in Light Vehicle Maintenance & Repair (or equivalent qualification or experience), • Valid MOT Testing Licence, • Must have a full drivers licence with no more than 9 points Why Halfords? National Tyres and Autocare is part of the Halfords family. We’re in an exciting chapter – rapidly growing our business with a focus on motoring services and electric mobility. We’re the UK’s leading retailer of motoring and cycling products and services, and the UK’s largest Automotive service, maintenance and repair business. Join us and be part of our success story in getting the nation safely back on the move. Not sure you meet all the criteria? We'd encourage you to take the wheel and apply anyway! At Halfords we are committed to creating an inclusive workplace for our colleagues. We're an equal opportunities employer and proud to welcome applications from all backgrounds and embrace diversity within our one Halfords Family.

Legal & General (L&G) is a leading UK financial services group and major global investor. We’ve been safeguarding people’s financial futures since 1836, and strive to build a better society, while improving the lives of our customers and creating value for shareholders. We are one of the world’s largest asset managers and provide powerful asset origination capabilities. Together, these underpin our retirement and protection solutions: we are an international player in pension risk transfer, in UK and US life insurance, and in UK workplace pensions and retirement income. L&G Retail supports the savings, protection and retirement needs of around 14 million people, through our portfolio of retail and workplace businesses. Our Retail division helps people enjoy a more colourful retirement, both directly and through their employers, including Lifetime Mortgages, Retirement Interest Only Mortgages and financial advice on our range of lending products. We are the UK’s number one individual life insurer, and also provide Group Protection products for employers – all helping people to plan for the unexpected. We support home buying through our Mortgage Club – the UK’s largest – and our award-winning Surveying Services team. And our fintech team finds and supports socially useful start-ups and scale-ups working in the workplace, home, insurance and wealth areas. Joining us means helping create brighter financial futures for all our customers. We are seeking a skilled RPA Developer to join our dynamic team. In this role, you will be responsible for the design, development, maintenance, and support of Robotic Process Automations (RPA) using Blue Prism, as well as solutions built with Visual Basic for Applications (VBA), across our DC Operations. The ideal candidate will bring a creative and pragmatic approach to problem-solving, identifying opportunities to streamline manual processes through automation. You will play a key role in driving operational efficiency while ensuring robust change control practices are followed and measurable benefits are consistently tracked. What you'll be doing: • Ensuring the ongoing performance and reliability of RPA solutions and VBA applications across DC Operations. Promptly resolving issues, conduct root cause analysis, and maintain comprehensive documentation in line with established standards, • Creating and deploying robust RPA solutions and VBA that align with best practices. Leveraging technical expertise to develop innovative, value-driven automation that reduces manual processing where a strong return on investment can be demonstrated, • Working closely with non-technical stakeholders to define and assess business requirements. Ensuring mutual understanding of deliverables and incorporate all value-adding elements into the final solution, • Defining, following, and continuously improving development lifecycles to ensure requirements are well-documented, agreed upon, and delivered effectively, • Managing automation projects from inception to completion. Influencing and engaging senior stakeholders to secure buy-in and ensure alignment with strategic goals and resource optimisation, • Identifying opportunities to enhance operational efficiency through data analysis and insight. Designing and implementing tools that proactively support business needs and drive performance improvements, • Providing technical support for key Management Information (MI) and work management systems. Safeguarding data integrity and develop enhancements that enable accurate, efficient information retrieval and reporting, • Offering expert guidance and mentorship in programming, testing, and automation practices. Fostering knowledge sharing and support the development of team capabilities Who we're looking for: • Knowledge of past and present products, and the purpose of the products. In addition ensure that knowledge is acquired and maintained on new product propositions., • Advanced knowledge of appropriate systems utilised across DC Savings (FPF etc), • Expert understanding of SQL (Transact & DB2) to build efficient, complex queries & Database Applications., • Extensive Expert knowledge of Robotic Process Automation and Visual Basic for Applications (VBA) so that Applications can be built and supported to best practice standards., • Ability to support defect/ issue analysis, data investigations and business acceptance testing, • Excellent numeric aptitude, having a strong analytical and problem solving ability, • Ability to recognise and define complex patterns and relationships in data held in MI systems and databases, • Ability to model and document detailed application requirements, translating technical specifications into programmed applications, • Ability to functionally test developed applications to ensure performance against technical specifications Whatever your role, we reward performance and behaviour with a package that looks after all the things that are important to you. Here are some of the benefits we offer: • The opportunity to participate in our annual, performance -related bonus plan and valuable share schemes, • Generous pension contribution, • Life assurance, • Healthcare Plan (permanent employees only), • At least 25 days holiday, plus public holidays, 26 days after 2 years’ service. There’s also the option to buy and sell holiday, • Competitive family leave, • Participate in our electric car scheme, which offers employees the option to hire a brand-new electric car through tax efficient salary sacrifice (permanent employees only), • There are the many discounts we offer – both for our own products and at a range of high street stores and online, • In 2023, some of our workspaces were redesigned. Our offices are great spaces to connect and collaborate and have your wellbeing at the heart At L&G, we believe it's possible to generate positive returns today while helping to build a better future for all. If you join us, you’ll be part of a welcoming, inclusive culture, with opportunities to collaborate with people of diverse backgrounds, views, and experiences. Guided by leaders with integrity who care about your future and wellbeing. Empowered through initiatives which support people to develop their careers and excel. We care passionately about outcomes rather than attendance and are therefore open to discussing all kinds of flexible working options including part-time, term-time and job shares. Although some roles have limited flexibility due to customer demand, we accommodate requests when we can. It doesn’t matter if you don’t meet every single criterion in this advert. Instead, think about what you excel at and what else you can bring in terms of strengths, potential and connection to our purpose.

Legal & General supports the savings, protection and retirement needs of around 14 million people, through our portfolio of retail and workplace businesses. Our Retail division helps people enjoy a more colourful retirement, both directly and through their employers, including Lifetime Mortgages, Retirement Interest Only Mortgages and financial advice on our range of lending products. We are the UK’s number one individual life insurer, and also provide Group Protection products for employers – all helping people to plan for the unexpected. We support home buying through our Mortgage Club – the UK’s largest – and our award-winning Surveying Services team. And our fintech team finds and supports socially useful start-ups and scale-ups working in the workplace, home, insurance and wealth areas. Joining us means helping create brighter financial futures for all our customers. Are you a talented engineer ready to make a significant impact? Join our dynamic technical engineering team, where you'll use your software engineering skills to create innovative features, squash bugs, tackle technical debt, and streamline our processes. Your efforts will directly contribute to delivering exceptional, high-quality software that delights our customers. What you'll be doing: • Collaborating with the team to develop clean, maintainable features and resolve end-to-end issues, utilising various approaches to ensure we deliver outstanding outcomes to our customers efficiently and effectively, • Contributing to the management of technical debt, ensuring Legal & General’s systems remain secure, resilient, and reliable, • Enhancing and refining testing methodologies within the team to ensure the highest quality customer experience, with a strong focus on security, usability, and accessibility, • Participating in code reviews, emphasising both functional and non-functional requirements such as performance, resiliency, maintainability, and security, to consistently produce high-quality, safe software for our customers, • Engaging in continuous improvement efforts related to security, quality, deployment, monitoring, and operations, enabling the seamless release and operation of safe, performant, and resilient systems in production, • Actively participating in developer team meetings to keep colleagues informed and foster a culture of knowledge sharing. Communicating effectively and collaborate continuously with team members to ensure smooth delivery of development activities within the sprint timebox, • Pursuing ongoing skill development through relevant training in your role discipline Who we're looking for: • Proven hands-on experience in building microservices using Java and Spring Boot, • Solid understanding of clean code principles and architecture concepts such as SOLID and Onion, • Demonstrated expertise in crafting large-scale, well-optimised, and maintainable software features, ensuring robust and efficient solutions, • Good grasp of at least one layered backend application architecture, including three-tier, hexagonal, or onion, • Proficiency in test-driven development and familiarity with the testing pyramid., • Comprehensive understanding of Continuous Integration, Continuous Deployment, and other release strategies, • Proven ability to analyse, debug, and resolve highly complex issues, showcasing your critical thinking and technical prowess, • Excellent communication skills, with strong proficiency in both spoken and written English Whatever your role, we reward performance and behaviour with a package that looks after all the things that are important to you. Here are some of the benefits we offer: • The opportunity to participate in our annual, performance-related bonus plan and valuable share schemes, • Generous pension contribution, • Life assurance, • Private medical insurance (permanent employees only), • At least 25 days holiday, plus public holidays, 26 days after 2 years’ service. There’s also the option to buy and sell holiday, • Competitive family leave, • Participate in our electric car scheme, which offers employees the option to hire a brand-new electric car through tax efficient salary sacrifice, • There are the many discounts we offer – both for our own products and at a range of high street stores and online, • In 2023, some of our workspaces were redesigned. Our offices are great spaces to connect and collaborate and have your wellbeing at the heart At L&G, we believe it's possible to generate positive returns today while helping to build a better future for all. If you join us, you’ll be part of a welcoming, inclusive culture, with opportunities to collaborate with people of diverse backgrounds, views, and experiences. Guided by leaders with integrity who care about your future and wellbeing. Empowered through initiatives which support people to develop their careers and excel. We care passionately about outcomes rather than attendance and are therefore open to discussing all kinds of flexible working options including part-time, term-time and job shares. Although some roles have limited flexibility due to customer demand, we accommodate requests when we can. It doesn’t matter if you don’t meet every single criterion in this advert. Instead, think about what you excel at and what else you can bring in terms of strengths, potential and connection to our purpose.

Overview Every member of the CPM team contributes to the overall growth of our business. People are at the core of CPMs business proposition so as a key member of the CPM team this role is expected to make a significant contribution to the culture within CPM, via demonstrable initiatives to drive best practice and continuous improvement. A winning attitude combined with a digital mindset is essential for success in this role. The main focus of this role is to provide achievement and delivery against the Client’s Key Result Areas and targets for CPM by maximising orders / sales in & out in their assigned stores across all SKU's. The Territory Sales Developer role is a combination of sales, merchandising and activating. They are responsible for the availability of core range, share of space and activations within their Geographical region. The Primary Responsibilities for This Role Are: • To increase business and maximise sales, • To undertake any other duties and responsibilities as instructed by your line manager, • Adhere to a defined retail call file and journey plan, • Deliver and execute the agreed objectives and targets as set out by your line manager, • To increase Distribution and Availability within store of core range and process, • appropriate orders electronically for all stores to prevent gaps, • To increase Distribution and Availability within store by implementing national and locally agreed planograms and promotions, • Record all data accurately and submit in a timely manner on a daily basis, • Sell in and build activations in line with company targets, • Merchandising off sales, • To understand and identify the needs of the customer, • Communicate effectively with store management and line managers, • Provide feedback at regular intervals through verbal communication with your manager/coach and through electronically generated spreadsheets, • Constantly strive to reach highest standards of performance, • Maintain CPM and Client standards at all times, • Attend a team conference call once a week and team meeting once a month/Qtr, • To generate new ideas and ways of working, • To consistently strive to reach highest standards of performance for customers, • To ensure at all times that you operate in an effective and efficient manner to complete all tasks, • Full driving licence is essential, • Previous sales or merchandising experience in the retail sector, • A good understanding of the FMCG sector with knowledge of the convenience channel desirable PERSON SPECIFICATIONS • Must have energy and enthusiasm, • Excellent Interpersonal Skills and time management skills, • Attention to detail & target driven, • Technology Aware and intermediate computer literacy skills (MS Word, Outlook, Power Bi), • Competitive Basic Salary, • Competitive plus 10% bonus based on performance per quarter, • Company vehicle, • Phone, • Tablet

As the Site Operations Coordinator, you are responsible for planning, briefing, and co-ordinating content updates for COS E-Commerce websites to achieve a relevant customer journey, optimising user experience and maximising sales while adhering to COS standards for quality at all times. In this role, you will work together with the site operation team and responsible for site stability, incident management and reporting to optimise site speed. What you will do • Develop and implement weekly site plans based on regional commercial strategies and the digital marketing calendar, manage promotions and sales activations, ensuring the sites mirror our shared goals, • Oversee the layout, visual look, and overall content of the website according the COS brand ID and visual guidelines through content management system (Storyblok), • Collaborate within your Regional E-Commerce Team to establish a customer journey that drives profitable E-Commerce selling towards the set targets and merchandise goals, ensure product enrichment to masimise selling potential, • Deliver weekly performance reports and use data-driven insights to optimize site experience and conversion rates through A/B testing., • Align with digital marketing channel representatives to secure customer journey relevance from customer-facing channels to site, • Support the E-Commerce Digital Experience Team by delivering briefs that outline customer experience expectations set by COS Global teams, • Partner with IT and development teams to plan, test, and implement new website features, and troubleshoot technical issues., • Contribute to cross-functional projects focused on site optimization, including CRO, SEO, and digital expansion initiatives. Alignment to our company values is the most important characteristic we look for in all new joiners. Our values are the behaviours that we appreciate above and beyond anything else. We are open-minded and curious, we dare to be different, we believe in constant improvement and we empower and trust you to take ownership. Our values are part of who we are, what we stand for and how we act. What you need to succeed • Previous E-commerce site management and publishing experience via CMS platforms, • Sales driven and result oriented with a passion for the digital landscape, • Strong analytical mindset with experience in performance reporting and A/B testing, • Excellent planning, organizational and problem solving skills, • Ability to take ownership and effectively manage multiple priortises and projects, • Curious, proactive and eager to learn and identify new ways to drive results, • Familiarity with analytical tools such as Contentsquare, Google Analytics and PowerBI, • Proficient in Microsoft Office This is a full time permanent contracted of 39 hours a week based at our Regional Office in London. Benefits We offer all our employees attractive benefits with extensive development opportunities around the globe. All our employees receive a 25% staff discount usable on all our H&M Group brands in stores and online. In addition to our staff discount, all our employees are included in our H&M Incentive Program – HIP. You can read more about our H&M Incentive Program _. • 25 days holiday, • Annual health checks, • Pension scheme, • Discounts on various activities and financial/lifestyle products via our benefits hub, • Cycle to work scheme, • Discounted gym membership, • Employee assistance via retail trust, • Private health & dental care Inclusion & Diversity At COS we’re determined to create and maintain inclusive, diverse and equitable workplaces throughout our organisation. Our teams should consist of a variety of people that share and combine their knowledge, experience and ideas. Having a diverse workforce leads to a positive impact on how we address challenges, on what we perceive possible and on how we choose to relate to our colleagues and customers all over the world. Hence all diversity dimensions are taken into consideration in our recruitment process. Company Description : COS offers a wardrobe of ready-to-wear and accessories rooted in exceptional quality and lasting design. The creative soul of the brand is fuelled by a deep connection to modern culture, dynamic global cities and compelling fashion movements. With an emphasis on expert craftsmanship, innovation and materiality, collections are created with a mindful approach, seamlessly blending contemporary and timeless. Learn more about COS . In this role you will be able to take advantage of a hybrid working arrangement. You will have the flexibility to work both remotely and, from the office. While remote working is an integral part of our part of our offer, approx. 3 days per week office presence will be required to foster strong collaborations and team work. Ready to apply? Click on the I’M INTERESTED link where you can upload your CV securely. Once we have received your application, we will keep you updated regularly about the status of your application so please look out for our email. We are looking forward to hearing from you!

• Establish interior decorative brand with 100 year+ history with global presence Specification Sales Manager - interior products Area: London & surrounding areas The Role of Specification Sales Manager - interiors • This is a home / field based role., • This is an A&D specification sales role selling the companies leading range of interior products to A&D architects., • As Specification Sales Manager, you will be tasked with generating specifications with A&D architects and specifiers, interior designers, retail end users and contractors., • As Specification Sales Manager, you will be required to work closely with the dedicated field sales / business development teams who will support you., • Typical project order values range between £1k - £150k. The Company hiring a Specification Sales Manager Out client are a well known leading heritage brand and manufacturer of interior decorative products. They design and manufacturer modern on-trend interior products that are used, and can be seen in a various commercial projects that include commercial offices, schools, retail stores, hospitals and museums etc. They have continued to grow year-on-year and have firmly established themselves as a market leader. Our client are an established name within the A&D community and have recently invested several £million in new product launches adding on-trend collections to their impressive portfolio. Our client are group backed, with massive financial resource, marketing and excellent customer services. The Candidate (Specification Sales Manager) • Specification Sales experience - interiors (A&D) or heavy side is preferred, • Polished field sales professionals with a flair for interior design (and credibility to converse with architects), • Our client with also consider a candidate that works in a design showroom that is looking to break into specification sales, • People with interior design backgrounds with no field sales experience are also welcome to apply The Package on offer for the Specification Sales Manager • up to £50,000, • Bupa Healthcare, • 25 days holiday plus stats, • competitive bonus structure, • Generous car allowance, • Excellent benefits Ref: CPJ1700 Industry Sector: Specification Sales, Architects, A&D, Interior Designers, Interior Products, Quartz, Surfaces, Flooring, Furniture, Paint, Architects, Interior Designers, Showroom Managers, Showroom Sales, Main Contractors, Shop Fitting, Facades, A&D Commercial Projects, Contractors and Distributors The Package on offer for the Specification Sales Manager • up to £50,000, • Bupa Healthcare, • 25 days holiday plus stats, • competitive bonus structure, • Generous car allowance, • Excellent benefits

Legal & General (L&G) is a leading UK financial services group and major global investor. We’ve been safeguarding people’s financial futures since 1836, and strive to build a better society, while improving the lives of our customers and creating value for shareholders. We are one of the world’s largest asset managers and provide powerful asset origination capabilities. Together, these underpin our retirement and protection solutions: we are an international player in pension risk transfer, in UK and US life insurance, and in UK workplace pensions and retirement income. L&G Retail supports the savings, protection and retirement needs of around 14 million people, through our portfolio of retail and workplace businesses. Our Retail division helps people enjoy a more colourful retirement, both directly and through their employers, including Lifetime Mortgages, Retirement Interest Only Mortgages and financial advice on our range of lending products. We are the UK’s number one individual life insurer, and also provide Group Protection products for employers – all helping people to plan for the unexpected. We support home buying through our Mortgage Club – the UK’s largest – and our award-winning Surveying Services team. And our fintech team finds and supports socially useful start-ups and scale-ups working in the workplace, home, insurance and wealth areas. Joining us means helping create brighter financial futures for all our customers. We are seeking a skilled RPA Developer to join our dynamic team. In this role, you will be responsible for the design, development, maintenance, and support of Robotic Process Automations (RPA) using Blue Prism, as well as solutions built with Visual Basic for Applications (VBA), across our DC Operations. The ideal candidate will bring a creative and pragmatic approach to problem-solving, identifying opportunities to streamline manual processes through automation. You will play a key role in driving operational efficiency while ensuring robust change control practices are followed and measurable benefits are consistently tracked. What you'll be doing: • Ensuring the ongoing performance and reliability of RPA solutions and VBA applications across DC Operations. Promptly resolving issues, conduct root cause analysis, and maintain comprehensive documentation in line with established standards, • Creating and deploying robust RPA solutions and VBA that align with best practices. Leveraging technical expertise to develop innovative, value-driven automation that reduces manual processing where a strong return on investment can be demonstrated, • Working closely with non-technical stakeholders to define and assess business requirements. Ensuring mutual understanding of deliverables and incorporate all value-adding elements into the final solution, • Defining, following, and continuously improving development lifecycles to ensure requirements are well-documented, agreed upon, and delivered effectively, • Managing automation projects from inception to completion. Influencing and engaging senior stakeholders to secure buy-in and ensure alignment with strategic goals and resource optimisation, • Identifying opportunities to enhance operational efficiency through data analysis and insight. Designing and implementing tools that proactively support business needs and drive performance improvements, • Providing technical support for key Management Information (MI) and work management systems. Safeguarding data integrity and develop enhancements that enable accurate, efficient information retrieval and reporting, • Offering expert guidance and mentorship in programming, testing, and automation practices. Fostering knowledge sharing and support the development of team capabilities Who we're looking for: • Knowledge of past and present products, and the purpose of the products. In addition ensure that knowledge is acquired and maintained on new product propositions., • Advanced knowledge of appropriate systems utilised across DC Savings (FPF etc), • Expert understanding of SQL (Transact & DB2) to build efficient, complex queries & Database Applications., • Extensive Expert knowledge of Robotic Process Automation and Visual Basic for Applications (VBA) so that Applications can be built and supported to best practice standards., • Ability to support defect/ issue analysis, data investigations and business acceptance testing, • Excellent numeric aptitude, having a strong analytical and problem solving ability, • Ability to recognise and define complex patterns and relationships in data held in MI systems and databases, • Ability to model and document detailed application requirements, translating technical specifications into programmed applications, • Ability to functionally test developed applications to ensure performance against technical specifications Whatever your role, we reward performance and behaviour with a package that looks after all the things that are important to you. Here are some of the benefits we offer: • The opportunity to participate in our annual, performance -related bonus plan and valuable share schemes, • Generous pension contribution, • Life assurance, • Healthcare Plan (permanent employees only), • At least 25 days holiday, plus public holidays, 26 days after 2 years’ service. There’s also the option to buy and sell holiday, • Competitive family leave, • Participate in our electric car scheme, which offers employees the option to hire a brand-new electric car through tax efficient salary sacrifice (permanent employees only), • There are the many discounts we offer – both for our own products and at a range of high street stores and online, • In 2023, some of our workspaces were redesigned. Our offices are great spaces to connect and collaborate and have your wellbeing at the heart At L&G, we believe it's possible to generate positive returns today while helping to build a better future for all. If you join us, you’ll be part of a welcoming, inclusive culture, with opportunities to collaborate with people of diverse backgrounds, views, and experiences. Guided by leaders with integrity who care about your future and wellbeing. Empowered through initiatives which support people to develop their careers and excel. We care passionately about outcomes rather than attendance and are therefore open to discussing all kinds of flexible working options including part-time, term-time and job shares. Although some roles have limited flexibility due to customer demand, we accommodate requests when we can. It doesn’t matter if you don’t meet every single criterion in this advert. Instead, think about what you excel at and what else you can bring in terms of strengths, potential and connection to our purpose.

• £40,000 - £60,000 OTE (comprising of salary, bonus, overtime & callout rates), • Uncapped bonus scheme, including Overtime & Call-out rates, • Mobile role Van, Tools & PPE provided, • Monday to Friday 08.00 17.00, Saturday 08.00 12.00 Are you an experienced CommercialVehicle Tyre Fitter looking for the next step in your career? If so, then look no further - apply today to the UKs largest Automotive service, maintenance and repair business. We offer great career opportunities, benefits, and an uncapped bonus scheme! Key duties include: • Fit/repair tyres including car, van, truck, agricultural, industrial and earthmover roadside & in depot, • Provide an exceptional customer service experience, • Accurately complete all relevant paperwork and electronic job sheets. Halfords Commercial Fleet Services (HCFS) is the UK's largest CommercialVehicle Tyre service provider. As part of the Halfords Group, HCFS was formed by acquiring three large entities: Lodge, McConechys, and Universal, alongside some previous independent tyre management services enabling us to offer nationwide coverage for our customers. Benefits Include: • Up to 50% off garage bills in our Autocentres and 25% off most our Halfords products in our retail stores, • Discounts on everything from groceries, shopping, insurance, days out, restaurants a...