{"id":19067,"date":"2022-09-21T06:27:15","date_gmt":"2022-09-21T06:27:15","guid":{"rendered":"https:\/\/www.factris.com\/?p=19067"},"modified":"2024-04-16T08:05:57","modified_gmt":"2024-04-16T08:05:57","slug":"ekonomine-situacija-lietuvoje-ko-imtis-verslui-ruosiantis-ziemai","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/ekonomine-situacija-lietuvoje-ko-imtis-verslui-ruosiantis-ziemai\/","title":{"rendered":"Ekonomin\u0117 situacija Lietuvoje: ko imtis verslui, ruo\u0161iantis \u017eiemai?"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;21px|||||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;700px&#8221; custom_padding=&#8221;2px||4px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_button button_url=&#8221;\/lt\/naujienos\/&#8221; button_text=&#8221; Gr\u012f\u017eti \u012f naujien\u0173 puslap\u012f&#8221; module_class=&#8221;btn-back&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#001194&#8243; button_bg_color=&#8221;rgba(0,0,0,0)&#8221; button_font=&#8221;||||on||||&#8221; button_icon=&#8221;&#x23;||divi||400&#8243; button_icon_placement=&#8221;left&#8221; button_on_hover=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; button_text_color__hover_enabled=&#8221;off|hover&#8221; custom_padding__hover_enabled=&#8221;off|desktop&#8221; custom_padding__hover=&#8221;|||59px|false|false&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;700px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; header_line_height=&#8221;1.4em&#8221; header_2_font=&#8221;|700|||||||&#8221; header_2_text_color=&#8221;#000a54&#8243; header_2_line_height=&#8221;1.3em&#8221; header_3_font=&#8221;|700|||||||&#8221; header_3_text_color=&#8221;#000a54&#8243; header_3_font_size=&#8221;25px&#8221; header_3_line_height=&#8221;35px&#8221; header_4_font=&#8221;|700|||||||&#8221; header_4_text_color=&#8221;#000a54&#8243; header_4_font_size=&#8221;21px&#8221; header_4_line_height=&#8221;29px&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; header_2_font_size=&#8221;27px&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<h2>\u0160i\u0105 vasar\u0105 verslas su \u201e<a href=\"https:\/\/www.factris.com\/\">Factris<\/a>\u201c sudar\u0117 2,5 karto daugiau sutar\u010di\u0173 u\u017e 30% didesn\u0119 sum\u0105. Verslai ruo\u0161\u0117si naujo sezono i\u0161\u0161\u016bkiams ir \u017eiemin\u0117s pagalv\u0117s sukaupimui. Rusijos sukelto karo padariniai ver\u010dia verslininkus nerimauti d\u0117l artimiausios ateities ir art\u0117jan\u010dio \u0161ildymo sezono. Nesaugiai besijau\u010diantis verslas bijo skolintis, ar dabar tam tinkamas metas?<\/h2>\n<p>Duj\u0173 ir energetikos kainoms \u0161okus \u012f nereg\u0117tas auk\u0161tumas verslas svarsto, ar bandyti sutaupyti, stengiantis suma\u017einti i\u0161laidas, ar pakelti produkcijos kainas, d\u0117l kuri\u0173 verslai rizikuoja ma\u017e\u0117jan\u010diomis pajamomis. Pastebima, kad labiausiai nuo energijos i\u0161tekli\u0173 infliacijos nukent\u0117jusios \u012fmon\u0117s yra gamybos, didmenin\u0117s ir ma\u017emenin\u0117s prekybos, statybos, \u017eem\u0117s \u016bkio, transporto sektoriuose.<\/p>\n<p><em>\u201eDid\u017eiausi\u0105 neigiam\u0105 efekt\u0105 pajaus \u012fmon\u0117s, kuri\u0173 veikla ypa\u010d imli energetiniams i\u0161tekliams. Gali gr\u0117sti veiklos apsuk\u0173 ma\u017einimas arba laikinas visos gamybos sustabdymas, kaip t\u0105 padar\u0117 \u201eAchema\u201c, \u201eGrigeo\u201c Klaip\u0117da. Augant neapibr\u0117\u017etumui, verslas turi galvoti ne tik apie savo pad\u0117t\u012f, bet nepamir\u0161ti \u012fsivertinti tiek\u0117j\u0173 bei u\u017esakov\u0173. Ar bus galima u\u017etikrinti savalaik\u012f \u017ealiav\u0173 pristatym\u0105 i\u0161 tiek\u0117j\u0173 ir apmok\u0117jim\u0173 gavim\u0105 i\u0161 u\u017esakov\u0173?\u201c<\/em> \u2013 sako \u201eFactris\u201c vyresnysis rizikos analitikas \u0160ar\u016bnas Knie\u017ea.<\/p>\n<p>Lietuvos statistikos departamento, veikian\u010di\u0173 \u016bkio subjekt\u0173 rodikliuose \u201e<a href=\"https:\/\/osp.stat.gov.lt\/statistiniu-rodikliu-analize#\/\">Per ketvirt\u012f bankrutuojan\u010di\u0173 \u016bkio subjekt\u0173 skai\u010dius<\/a>\u201c nurodoma, kad per \u0161i\u0173 met\u0173 pirm\u0105j\u012f ketvirt\u012f bankroto procesai buvo inicijuoti 312 \u012fmoni\u0173, per antr\u0105j\u012f ketvirt\u012f \u2013 274. Praeit\u0173 met\u0173 pirm\u0105j\u012f ketvirt\u012f \u017eenkliai ma\u017eiau \u012fmoni\u0173 paskelb\u0117 bankrotus \u2013 154, antr\u0105j\u012f ketvirt\u012f \u2013 184 \u012fmoni\u0173. Daugiausia \u012fmoni\u0173, kurioms buvo inicijuotos bankroto proced\u016bros \u2013 statybos sektorius, per \u0161i\u0173 met\u0173 pirm\u0105j\u012f pusmet\u012f bankroto procesai prad\u0117ti 137 statyb\u0173 bendrovi\u0173. \u201e<a href=\"https:\/\/okredo.com\/lt-lt\/atviru-duomenu-platforma\">Okredo<\/a>\u201c, atvir\u0173 duomen\u0173 baz\u0117, \u201e<a href=\"https:\/\/www.vz.lt\/finansai-apskaita\/2022\/09\/08\/apklausa-atsiskaityti-veluoja-dukart-daugiau-imoniu-nei-2021-m-pabaigoje\">Verslo \u017einios<\/a>\u201c portalui nurodo, kad 65 proc. Lietuvos versl\u0173 susiduria su v\u0117luojan\u010diais mok\u0117jimais. Kaip da\u017eniausi\u0105 v\u0117luojan\u010di\u0173 mok\u0117jim\u0173 prie\u017east\u012f \u012fmon\u0117s nurodo \u0161i\u0173 dien\u0173 <a href=\"https:\/\/www.factris.com\/lt\/naujienos\/sankciju-pasekmes-verslams\/\">sud\u0117ting\u0105 ekonomin\u0119 ir geopolitin\u0119 situacij\u0105<\/a> \u2013 taip nurod\u0117 37 proc. apklaust\u0173j\u0173.<\/p>\n<p>\u0160. Knie\u017ea pataria atid\u017eiai steb\u0117ti savo u\u017esakovus: ar neilg\u0117ja j\u0173 atsiskaitymo laikotarpis, ar neatsiranda neigiamos vie\u0161osios informacijos apie \u012fmon\u0119, taip pat steb\u0117ti darbuotoj\u0173 skai\u010di\u0173, skolas \u201eSodrai\u201c bei \u201eValstybinei mokes\u010di\u0173 inspekcijai (VMI)\u201c. Jei iki \u0161iol partneris tur\u0117jo finansini\u0173 sunkum\u0173 ir v\u0117luodavo atsiskaityti, prisid\u0117jus auk\u0161tesnei duj\u0173 ir elektros kain\u0173 \u012ftakai s\u0105naudose, tik\u0117tina tai padaryti bus dar sunkiau. Si\u016bloma kreipti didel\u012f d\u0117mes\u012f \u012f partnerio skolas \u201eSodrai\u201c ar \u201eVMI\u201c, kadangi \u0161ios institucijos gali nura\u0161yti skolingas l\u0117\u0161as ne gin\u010do tvarka. Jei partneris jau fig\u016bruoja \u0161i\u0173 institucij\u0173 skolinink\u0173 s\u0105ra\u0161uose ir jei bent viena i\u0161 j\u0173 yra prad\u0117jusi i\u0161ie\u0161kojimo proced\u016bras, priemoni\u0173 i\u0161ie\u0161koti savo l\u0117\u0161as i\u0161 skolinink\u0173 gali b\u016bti ne tiek ir daug.<\/p>\n<p>\u0160iuo metu \u012fmon\u0117ms valstyb\u0117s paramos tr\u016bksta, verslai turi patys ie\u0161koti sprendim\u0173. Pavyzd\u017eiui, apyvartini\u0173 l\u0117\u0161\u0173 tr\u016bkumui kompensuoti pasaulyje pla\u010diai naudojamas <a href=\"https:\/\/www.factris.com\/lt\/faktoringas\/\">faktoringas<\/a>. \u012emon\u0117s i\u0161ra\u0161yt\u0173 s\u0105skait\u0173 fakt\u016br\u0173, kurios dar neapmok\u0117tos, pardavimas faktoringo \u012fmonei, kuri i\u0161 karto atlieka s\u0105skait\u0173 apmok\u0117jim\u0105 ir suteikia taip reikaling\u0173 apyvartini\u0173 l\u0117\u0161\u0173. \u012emonei i\u0161 karto gaunant l\u0117\u0161as nereikia laukti 30, 60, 90 ar net daugiau dien\u0173, priklausomai nuo s\u0105skaitos fakt\u016bros i\u0161ra\u0161ymo termino.<\/p>\n<p><em>\u201eGalima naudotis faktoringo paslauga su prekiniu kredito draudimu. Tokiu b\u016bdu ne tik subalansuosite apyvartin\u012f kapital\u0105 gaunant apmok\u0117jim\u0105 u\u017e parduotas prekes, bet ir apsisaugosite nuo pirk\u0117jo nemokumo, bankroto rizikos.\u201c<\/em> \u2013 pataria \u201eFactris\u201c vyresnysis rizikos analitikas \u0160ar\u016bnas Knie\u017ea.<\/p>\n<p>D\u0117ka eil\u0117s investuotoj\u0173, \u201e<a href=\"https:\/\/www.factris.com\/lt\">Factris<\/a>\u201c gali suteikti kone ma\u017eiausios kainos finansavim\u0105 faktoringo rinkoje, tai leid\u017eia mums finansuoti platesn\u012f SVV \u012fmoni\u0173 rat\u0105. Bir\u017eel\u012f buvo prat\u0119stas priemon\u0117s \u201eAlternatyva\u201c skolinimosi terminas, didesni gr\u0105\u017einimai i\u0161 jau i\u0161skolint\u0173 pinig\u0173 numatomi 2023 m. Tada, yra didesn\u0117 tikimyb\u0117, finansavimas pagal \u201eAlternatyv\u0105\u201c bus suteiktas daugiau smulki\u0173j\u0173 ir vidutini\u0173 versl\u0173.<\/p>\n<p>Nors ekonominei situacijai prast\u0117jant, \u201eFactris\u201c atid\u017eiau vertina klientus, ta\u010diau net ir rizikinguose sektoriuose \u2013 statybos, keli\u0173 tiesimo, transporto \u2013 <a href=\"https:\/\/invega.lt\/verslui\/pagalba-verslui\/paskolos\/201\/skolinimas-verslui-per-alternatyvius-finansuotojus-alternatyva-15\">\u201eFactris\u201c stengiasi neriboti skolinimo<\/a> ir suteikti apyvartini\u0173 l\u0117\u0161\u0173 verslui, kuriam to labai reikia. Alternatyviam finansuotojui svarbu matyti verslo pl\u0117tros planus ir j\u0173 realum\u0105 veikiant didesn\u0117s rizikos s\u0105lygomis.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;700px&#8221; custom_padding=&#8221;2px||4px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_button button_url=&#8221;\/lt\/naujienos\/&#8221; button_text=&#8221; Gr\u012f\u017eti \u012f naujien\u0173 puslap\u012f&#8221; module_class=&#8221;btn-back&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#001194&#8243; button_bg_color=&#8221;rgba(0,0,0,0)&#8221; button_font=&#8221;||||on||||&#8221; button_icon=&#8221;&#x23;||divi||400&#8243; button_icon_placement=&#8221;left&#8221; button_on_hover=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; button_text_color__hover_enabled=&#8221;off|hover&#8221; custom_padding__hover_enabled=&#8221;off|desktop&#8221; custom_padding__hover=&#8221;|||59px|false|false&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#000A54&#8243; custom_padding=&#8221;||||true|false&#8221; global_module=&#8221;2087&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||||true|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|700|||||||&#8221; header_text_color=&#8221;#ffffff&#8221; header_line_height=&#8221;2em&#8221; header_2_font=&#8221;|700|||||||&#8221; header_2_text_color=&#8221;#ffffff&#8221; header_2_font_size=&#8221;46px&#8221; header_2_line_height=&#8221;2em&#8221; header_3_font=&#8221;|700|||||||&#8221; header_3_text_align=&#8221;center&#8221; header_3_text_color=&#8221;#ffffff&#8221; header_3_font_size=&#8221;25px&#8221; header_font_tablet=&#8221;&#8221; header_font_phone=&#8221;&#8221; header_font_last_edited=&#8221;on|desktop&#8221; header_line_height_tablet=&#8221;1.8em&#8221; header_line_height_phone=&#8221;1.4em&#8221; header_line_height_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;32px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font_tablet=&#8221;&#8221; header_3_font_phone=&#8221;&#8221; header_3_font_last_edited=&#8221;on|phone&#8221; header_3_line_height_tablet=&#8221;&#8221; header_3_line_height_phone=&#8221;1.8em&#8221; header_3_line_height_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2 style=\"text-align: center;\">Papasakokite savo verslo istorij\u0105<\/h2>\n<h3 style=\"text-align: center;\">Su faktoringu skol\u0105 paverskite apyvartin\u0117mis l\u0117\u0161omis<\/h3>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;\/lt\/finansavimo-kriterijai\/&#8221; button_text=&#8221;Pa\u017ei\u016br\u0117kite, ar atitinkate s\u0105lygas&#8221; button_alignment=&#8221;center&#8221; module_class=&#8221;btn-tertiary-2&#8243; _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#ffffff&#8221; button_bg_color=&#8221;rgba(0,0,0,0)&#8221; button_font=&#8221;||||on||||&#8221; button_icon=&#8221;&#x24;||divi||400&#8243; button_icon_color=&#8221;#ffffff&#8221; button_on_hover=&#8221;off&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||true|true&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][et_pb_button button_url=&#8221;https:\/\/onboarding.factris.com\/lt\/sign-up&#8221; button_text=&#8221;Finansuokite pirm\u0105j\u0105 s\u0105skait\u0105&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.24.0&#8243; _module_preset=&#8221;default&#8221; button_icon=&#8221;&#x24;||divi||400&#8243; button_icon_color=&#8221;#353540&#8243; button_on_hover=&#8221;off&#8221; custom_margin=&#8221;||18px|||&#8221; custom_padding=&#8221;10px|40px|10px|28px|true|false&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover_enabled=&#8221;on|hover&#8221; custom_padding__hover=&#8221;|50px|||true|false&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0160i\u0105 vasar\u0105 verslas su \u201eFactris\u201c sudar\u0117 2,5 karto daugiau sutar\u010di\u0173 u\u017e 30% didesn\u0119 sum\u0105. Verslai ruo\u0161\u0117si naujo sezono i\u0161\u0161\u016bkiams ir \u017eiemin\u0117s pagalv\u0117s sukaupimui. Rusijos sukelto karo padariniai ver\u010dia verslininkus nerimauti d\u0117l artimiausios ateities ir art\u0117jan\u010dio \u0161ildymo sezono. Nesaugiai besijau\u010diantis verslas bijo skolintis, ar dabar tam tinkamas metas? Duj\u0173 ir energetikos kainoms \u0161okus \u012f nereg\u0117tas auk\u0161tumas [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":19077,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"<!-- wp:paragraph -->\n<p><strong>Advisory board<\/strong><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Brian Reaves <\/strong>Chief Executive Officer<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Serial entrepreneur and investor in the mobile and payments space. Brian was involved in building 21 prior businesses including 15 mobile networks and 4 payment companies.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Adam Posma <\/strong>Founder and Chief Product Officer of ClubCollect<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Adam founded ClubCollect in 2013 - a provider of membership fee collection services for sports clubs. He started his career in wealth management at BNP Paribas.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Dr. Tom F. Lesche <\/strong>Principal at Speedinvest<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Tom started his career in investment banking. Most recently, he was a Vice President at Morgan Stanley in London, advising financial technology companies on a variety of capital markets and M&amp;A transactions. At Speedinvest, he solely focuses on investments in European fintech companies.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Donatas Juodelis <\/strong>Founder of Debifo<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Donatas started his career as a lawyer but quickly moved to entrepreneurship and investments. Co-founded IT company INNTEC, co-founded factoring company Debifo and a couple of other successful startups. In most of the companies, Donatas was responsible for business and corporate development.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Faisal Hakki <\/strong>Managing director at AB Ventures<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Faisal is Managing Director at AB Ventures, the FinTech focused, early-stage Venture Capital arm of Arab Bank. Prior to joining AB Ventures, Faisal was CEO at Oasis500 \u2013 the leading seed-stage investment fund and accelerator in Jordan. Faisal has also held senior positions at Accelerator Technology Holdings, Arab Advisors Group and Fastlin.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Brian Reaves <\/strong>Chief Executive Officer<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Serial entrepreneur and investor in the mobile and payments space. Brian was involved in building 21 prior businesses including 15 mobile networks and 4 payment companies.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Adam Posma <\/strong>Founder and Chief Product Officer of ClubCollect<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Adam founded ClubCollect in 2013 - a provider of membership fee collection services for sports clubs. He started his career in wealth management at BNP Paribas.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Dr. Tom F. Lesche <\/strong>Principal at Speedinvest<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Tom started his career in investment banking. Most recently, he was a Vice President at Morgan Stanley in London, advising financial technology companies on a variety of capital markets and M&amp;A transactions. At Speedinvest, he solely focuses on investments in European fintech companies.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Donatas Juodelis <\/strong>Founder of Debifo<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Donatas started his career as a lawyer but quickly moved to entrepreneurship and investments. Co-founded IT company INNTEC, co-founded factoring company Debifo and a couple of other successful startups. 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