Request Tutoring Info
Please enter name
Please enter email
Please enter phone
Please enter details
Beaumont Finance tutors

Book Top-Rated Finance Tutors Near Me In Beaumont, TX

Our Beaumont Finance tutors are top college students and graduates from local area universities. They have an average GPA of 3.5 or higher in their areas of tutoring specialization. At Frog Tutoring, we work with students in all grade levels and our Beaumont private Finance tutors provide customized one on one in-home tutoring through our proven three step approach to academic success.

1.Bring student up to speed by reviewing past work to ensure they are not missing any important concepts that might affect their abilities to learn future lessons. 2. Keep student ahead of the class by using the teachers lesson plan, textbook, and online curriculum to cover lessons before it is taught in class. 2. Reinforce key concepts they might have missed. This ensures they will never be behind again. Your tutor will also help with organization, study skills, and note taking strategies.
Your Beaumont area Finance tutor will also track student progress through detailed session reports which will be available to you at the end of each tutoring session. If it is okay with you, your tutor will contact your child's teacher, for K-12, to get a more detailed understanding of what they are struggling with and also to make sure that he/she and the teacher are both on the same page in their approach to tackling the problem.

Browse our list of qualified Finance tutors below. If you are in need of an Finance tutor in Beaumont, please call us or simply go to the tab above and Request a Tutor and let us help provide the understanding and assistance needed for success.

Read more... Read less
cnn cbs boston miami fox news

List of High-Achieving Finance Tutors Near Me In Beaumont, TX For In-Person & Online Tutoring


How it works

tutors, tutoring, tutoring service, tutoring services, homework help, private tutors, home tutors

Request any tutor by submitting a form

tutors, tutoring, tutoring service, tutoring services, homework help, private tutors, home tutors

Speak with our enrollment advisor to get your questions answered

tutors, tutoring, tutoring service, tutoring services, homework help, private tutors, home tutors

Get connected with your private in-person or online tutor

Our Students and Parents Love Us
as Much as We Love Them

">
AB
Knowledge
Presentation

She is very well informed and Helpful!

">
JS
Knowledge
Presentation

Izzy was a great tutor. She clearly knew the subject matter.

">
AS
Knowledge
Presentation

I cannot comment much because we only worked together for one session. Unfortunately, the time frame we needed her became an issue early on so we were able to switch. The session we did have, she seemed very nice and knowledgeable.

">
P.
Knowledge
Presentation

He was helpful in building my confidence of the subject and getting all my work complete

">
RS
Knowledge
Presentation

Christopher was very intelligent and likable.

">
MB
Knowledge
Presentation

My daughter and I love Savannah! She is so knowledgeable and sweet, and comes up with amazing lessons on a whim. She is so creative in thinking outside the box.

">
SD
Knowledge
Presentation

Alexander is an excellent tutor for my grandchildren. He is patient and kind and makes learning fun and exciting. They look forward to seeing him each week.

">
DM
Knowledge
Presentation

Mercedes is an excellent fit for my granddaughter. She has the knowledge and patience that is required to help a child learn. thank you

">
PH
Knowledge
Presentation

An excellent tutor and a kind individual who is dedicated to helping you understand any challenging material!

">
AP
Knowledge
Presentation

Dr. Jide is incredible! He has worked with my daughter for several weeks helping her prepare for the ACT. He is very knowledgeable and explains the math concepts very well. My daughter's confidence has definitely increased. We are appreciative of his kindness and support.

">
KM
Knowledge
Presentation

Would recommend to anyone. Not only has she helped out with my classes but is also very knowledgeable about the ARRT. Flexible and helpful in many ways. Great tutor/instructor/person. I feel extremely confident on passing the ARRT with her as a tutor.

">
DM
Knowledge
Presentation

{not commented yet}she was very knowledgeable and patient with my daughter

">
JN
Knowledge
Presentation

Robert has been excellent and extremely helpful to my son. He is also flexible and has been willing to meet with my son prior to his exams for tutoring. MY son started the semester with a D and has increased his to a B. Thank you Robert!

">
TA
Knowledge
Presentation

Alex has thoroughly enjoyed the sessions and found them to be very helpful. I am really happy with the feedback and the communication. Wouldn't hesitate to recommend.

">
JY
Knowledge
Presentation

Rosemary was super helpful going over some of the concepts that were tricky, and helped explain the content well.

">
HM
Knowledge
Presentation

Super helpful and willing to adjust to my learning habits. I really enjoy our time working together as the preparation from her end is very noticeable and appreciated.

">
LC
Knowledge
Presentation

Great tutoring session!

">
JC
Knowledge
Presentation

Sarah is our 5th tutor we have used on Frog tutoring. In just one short month of tutoring my child with ADHD, she has improved his math grade from a C to an A-!! We are so happy for the progress our child has made with Sarah’s help, and we will definitely continue to use her as our child’s...

">
JL
Knowledge
Presentation

{not commented yet}The sessions are going well and I am understanding the material . The information is clear , which I love.

">
RG
Knowledge
Presentation

Overall, AJ was absolutely amazing. I didn’t understand almost anything in physics and he made it seem like elementary grade stuff, overall was amazing and I will miss him

">
KB
Knowledge
Presentation

Ali is an amazing tutor always willing to help me on my school assignments and is a very down-to-earth person.

">
JD
Knowledge
Presentation

good tutor

">
KB
Knowledge
Presentation

Looking forward to meeting you.

">
AN
Knowledge
Presentation

Joyce has been great in helping me review topics for the NCLEX

">
SM
Knowledge
Presentation

Ryan in very knowledgeable on the topics I was needing help with. He is professional and works around your schedule. The best tutor I have had on frog tutoring.

">
RW
Knowledge
Presentation

Good tutor

">
RW
Knowledge
Presentation

Never partnered so unable to rate accurately but frog tutors are great so why not give a 5

">
OS
Knowledge
Presentation

patient and knowledgeable

">
Dm
Knowledge
Presentation

{not commented yet}Hayeon Lee is fantastic !
Very knowledgeable and wonderful to work with.
She is kind and is very easy to learn from.
Thank you for finding her.
We have another session Tuesday but I have to reschedule
Perhaps Wednesday?

">
DY
Knowledge
Presentation

Very encouraging and funny. He makes learning fun and teaches in a very simple, easy way to understand.

">
MP
Knowledge
Presentation

Pamela is wonderful! She's the perfect fit for my son! She's very engaging and makes tutoring fun for him

">
HB
Knowledge
Presentation

{not commented yet}
Vince is very happy with this tutor.

">
RF
Knowledge
Presentation

{not commented yet}Jaelynn Cafourek's accomplished computer skills and college training make her a very valuable asset to those who need a professional with their studies.I highly recommend her and her excellent attitude, and clear ability to connect with others and their specific learning...

">
JS
Knowledge
Presentation

Carolle is an excellent tutor. She explains things well, sends me frequent reminders of what I learned during the week, and is altogether a pleasure

">
DR
Knowledge
Presentation

Jeff was extremely knowledgeable and helpful. Deep industry knowledge in running in investment firm and very solid resource. Thank you!

">
MV
Knowledge
Presentation

{not commented yet}
Joyce is very knowledgeable and helpful.

">
TS
Knowledge
Presentation

A very smart individual, has great knowledge to cover the stuff needed based off your preference.

">
RF
Knowledge
Presentation

{not commented yet}Craig has been a big help with helping me learn how to use the internet, navigate a job search and I have learned quite a bit in a shot time.

">
DY
Knowledge
Presentation

Makes learing fun!

">
OT
Knowledge
Presentation

Matthew and I concentrated on financial statements in my CFA Level 1 curriculum. He was extremely knowledgeable and, with his own industry experience, he was very effective at providing real-life examples that made it easier to understand the concepts.

">
Ma
Knowledge
Presentation

He is a great tutor. He knows the topics very well and explains them easily. My only complaint is that his handwriting is somewhat messy. All in all, he is a great SAT tutor for English and math.

">
MB
Knowledge
Presentation

Awesome! he and my son work great together! My Son won't work with anyone else.

">
IB
Knowledge
Presentation

Gurleen is AMAZING!!!!!! She is the best tutor you will find on here. She is very knowledgeable on chemistry and will help you work through so many problems despite them being very challenging. Gurleen helps with retaining the knowledge and provides notes and practice problems as well. if you need...

">
RH
Knowledge
Presentation

Dana is very knwoedgable, especially with anatomy. I was a earning around an 80-84 percent(C) in my medical program exams. With Dana's assistance and vast knowledge in this subject I have passed a written exam AND a practical with a 92(A)!!! Dana positively encourages/challenges her students...

">
LC
Knowledge
Presentation

Sunita Woodcheke has not only demonstrated an extraordinary commitment to my child's academic progress but has also exhibited remarkable patience, enthusiasm, and expertise in their teaching approach. Through personalized lessons and tailored guidance Sunita has fostered a supportive learning...

">
SM
Knowledge
Presentation

Kevin is knowledgeable about math, and he knows how to teach. I’m very rusty on my skills, but he’s been nothing but patient with me. He absorbs my weaknesses and focuses on what I need help with. I appreciate all he’s done so far.

">
TG
Knowledge
Presentation

McKenna has done a great job of working with my daughter on geometry.

">
TM
Knowledge
Presentation

school rating and grades improved.

">
NC
Knowledge
Presentation

I am so happy with this tutoring, my son is engaged all the time. He loves to work in the computer and the activities that they do during the tutoring. She used many different way and form in order to keep him engaged.

">
EC
Knowledge
Presentation

Annie is great!!!!

Qualification and Certification of Finance Tutors Near Me In Beaumont, TX


  • Undergraduate
  • Bachelor degree holders
  • Master degree holders
  • Ph.D. holders
  • Teaching Certification
  • Professional Certificate
  • Background checks
  • Tutoring experience
  • Continuous education
  • FrogTutoring verification certification

Beaumont, TX Finance Tutoring Rates


  • Price range from $37/hr - $65/hr
  • Rates vary based on the type of tutoring, methods used, and the number of hours required.
  • Contact our enrollment team to receive your personalized rate.

Tutoring Methods of Our Private Tutors In Beaumont, TX


  • In-person/in-home tutoring
  • Online tutoring
  • One-on-one tutoring
  • Group lessons tutoring.

Tools We Use For Online Finance Tutoring


  • Zoom
  • FrogTutoring custom online tutoring platform
  • The Lesson space

Our Finance Clientele In Beaumont, TX


  • High school students
  • Middle school students
  • College students
  • Adults
  • Special needs students

Tutoring Locations For Finance In Beaumont, TX


  • Student homes
  • Public Libraries
  • Beaumont neighborhoods and suburbs

Sign up now for our one-on-one private Finance tutoring in Beaumont, TX


Beaumont, TX Tutoring FAQ

What are the best tutoring services available in Beaumont, TX?

FrogTutoring offers exceptional tutoring services in Beaumont, TX. They provide personalized, one-on-one sessions designed to meet the unique educational needs of each student. Their experienced tutors cover a wide range of subjects and they focus on empowering students to achieve academic success.

How do I find a qualified math tutor in Beaumont, TX?

To find a qualified math tutor in Beaumont, TX, you can utilize the services of FrogTutoring. They employ tutors who are experts in various math subjects and have a proven track record of helping students improve their math skills. Simply visit the FrogTutoring website and request a math tutor who matches your learning style and objectives.

Are there any affordable tutoring options in Beaumont, TX?

Affordable tutoring options are available through FrogTutoring in Beaumont, TX. They offer competitive rates and flexible payment plans to ensure quality education is accessible to all. Contact FrogTutoring for more information on pricing and to discuss the most cost-effective plan for your tutoring needs.

Can tutoring help improve SAT scores in Beaumont, TX?

Absolutely, tutoring can significantly improve SAT scores for students in Beaumont, TX. FrogTutoring provides specialized SAT prep courses and one-on-one tutoring designed to target individual weaknesses, enhance testing strategies, and build confidence, thereby maximizing the potential for a higher SAT score.

What subjects can I get tutoring for in Beaumont, TX?

In Beaumont, TX, you can find tutoring for a wide range of subjects through FrogTutoring. This includes Mathematics, Science, English, Social Studies, Foreign Languages, and various advance placement (AP) subjects. Based on your specific requirements, FrogTutoring will connect you with a tutor proficient in the subject area you wish to improve.

How do I choose a tutor for my child in Beaumont, TX?

To choose a tutor for your child in Beaumont, TX, consider factors such as the tutor's expertise in the subject area, their teaching style, and their ability to connect with your child. FrogTutoring provides detailed profiles of their tutors, allowing you to select a tutor who is best suited to meet your child's academic goals and personality.

Is online tutoring available for Beaumont, TX residents?

Yes, online tutoring is available for Beaumont, TX residents. FrogTutoring offers virtual one-on-one sessions with experienced tutors using a state-of-the-art online platform. This allows students the flexibility to learn from the comfort of their own home, while still receiving personalized attention and instruction.

What makes FrogTutoring different from other tutoring services in Beaumont, TX?

FrogTutoring stands out from other tutoring services in Beaumont, TX due to its personalized tutor matching process, one-on-one focused learning, and tutors who are not only subject matter experts but who also train to work with students' specific learning styles. Moreover, FrogTutoring's commitment to student success and satisfaction sets them apart.

How can I measure the progress of tutoring in Beaumont, TX?

Progress from tutoring sessions in Beaumont, TX can be measured by setting specific, actionable goals with your FrogTutoring tutor and regularly reviewing academic performance, such as grades, test scores, and subject comprehension. FrogTutoring also offers regular progress reports to ensure that students and parents are aware of improvements and can adjust focus areas as needed.

Are there specialized test prep tutors in Beaumont, TX?

Yes, there are specialized test prep tutors available in Beaumont, TX, through FrogTutoring. These tutors offer targeted preparation for standardized tests such as the SAT, ACT, GRE, and more, using customized strategies and materials to enhance students' testing abilities and confidence.

Finance FAQ

What is finance tutoring?

Finance tutoring is educational guidance provided by a finance expert or educator to help students or individuals understand the concepts, principles, and applications of finance. It can cover various topics such as investment analysis, financial planning, corporate finance, and personal finance management.

How can finance tutoring help me manage my personal finances?

Finance tutoring can offer personalized advice and teaching on budgeting, saving, investing, credit management, and retirement planning. By learning these skills, you can make informed financial decisions, optimize your savings, reduce debt, and achieve your personal financial goals.

What qualifications should a finance tutor have?

A finance tutor should ideally have a strong educational background in finance, such as a bachelor's or master's degree in finance or a related field. Additionally, relevant certifications like the CFA or CPA, and practical experience in the finance industry can further qualify them as effective tutors.

Can finance tutoring help me prepare for finance exams?

Yes, finance tutoring can be tailored to help students prepare for various finance-related exams by reviewing key concepts, problem-solving techniques, and practice questions. Tutors may also offer strategies for managing time and stress during exams for better performance.

What topics are commonly covered in finance tutoring sessions?

Finance tutoring sessions may cover topics like financial statements analysis, investment strategies, risk management, financial modeling, capital markets, and the principles of microeconomics and macroeconomics, depending on the student's needs and goals.

Common Questions on Finance Tutors

What qualifications do finance tutors have?

Finance tutors on FrogTutoring are highly qualified professionals who typically hold advanced degrees in finance, economics, or a related field, and have practical experience in the finance sector. They may also have teaching experience or certifications that showcase their expertise in providing academic assistance to students. If you want to ensure that your finance tutor has the right qualifications to help you excel, click here to request a tutor or learn more about our services.

How can a finance tutor help me improve my grades?

A finance tutor can provide personalized instruction tailored to your learning style, help clarify complex concepts, offer guidance on homework and assignments, and prepare you for exams. By focusing on your areas of difficulty and setting achievable goals, a finance tutor can help you gain a deeper understanding of the subject matter, thereby improving your grades. Ready to boost your academic performance in finance? Click here to request a tutor or learn more about how we can assist you.

What topics in finance can tutors assist with?

Finance tutors can assist with a broad range of topics including, but not limited to, financial accounting, corporate finance, investment analysis, risk management, personal finance, and financial modeling. Regardless of your level of study or specific area of need, our tutors are equipped to provide help. To find a tutor who specializes in the finance topic you're struggling with, click the link to request a tutor or to discover more about our finance tutoring services.

Can finance tutors help with exam preparation?

Absolutely, finance tutors are well-versed in exam preparation strategies and can help you efficiently review content, practice exam techniques, and understand the format of finance-related exams. By working with a tutor, you can enter your exam with confidence, equipped with the knowledge and skills to succeed. If you're seeking focused exam preparation assistance, click here to request a tutor or to explore the exam prep services we offer.

Are online finance tutoring sessions as effective as in-person sessions?

Online finance tutoring sessions offer flexibility, convenience, and the opportunity to work with tutors from anywhere with an internet connection. Research and feedback suggest that, with the right platform and tools, online tutoring can be just as effective as in-person sessions. FrogTutoring provides an interactive and personalized tutoring experience online, ensuring you get the help you need. To start with an online finance tutor, click here to request a tutor or learn more about online tutoring services.

Beaumont, TX Neighborhoods We Service

Beaumont, Texas, is a city rich with history, culture, and a strong sense of community. The city's diverse neighborhoods each offer their own unique qualities, which collectively contribute to the vibrancy of Beaumont. Below is an in-depth look at the neighborhoods that give residents a place to call home in this charming Southeast Texas city.

West End The West End of Beaumont is characterized by its upscale residential areas and bustling commercial zones. Neighborhoods such as Calder Place and Westchase Village offer beautifully landscaped homes and peaceful streets. This area also includes the newer subdivisions like Fairfield and Barrington Heights, which boast modern amenities and spacious homes.

Old Town Steeped in history, the Old Town district is the heart of Beaumont's past. This area showcases a mix of architectural styles, from Victorian homes to mid-century modern dwellings. Old Town is where you'll find a strong creative community, with artists and musicians frequenting the neighborhood's quirky shops and galleries.

Calder Highlands Nestled away in a serene part of town, Calder Highlands is known for its stately historic homes and tree-lined streets. The area features a mix of older, well-preserved houses that exude a timeless charm, making it a desirable place for those who appreciate classic architecture.

Oaks Historic District The Oaks Historic District is famous for its grand historic homes that date back to the early 1900s. This neighborhood is a testament to Beaumont's golden age of oil and shows off the opulence of that era with its large, ornate houses.

South Park South Park is a melting pot of cultures, reflecting the city's diverse population. It is a neighborhood that offers affordable housing options and has a strong sense of community. The area is developing, with new businesses and schools helping to revitalize the area.

Pear Orchard This area is largely residential and offers a variety of single-family homes. Pear Orchard is known to attract families due to its affordability and community atmosphere.

The Avenues Often referred to simply as “The Aves,” this neighborhood is one of the older parts of Beaumont, and it provides an eclectic mix of housing options. From quaint cottages to larger homes, The Avenues is known for its diversity and historic charm.

Charlton-Pollard Charlton-Pollard is a neighborhood with deep historical roots, known for its community activism and strong ties among residents. The area predominantly consists of single-family homes with a community that is involved in fostering its rich heritage and identity.

Downtown Revitalized and full of energy, Downtown Beaumont is more than a business hub; it's a neighborhood that's becoming increasingly popular for young professionals and those seeking a vibrant urban lifestyle. The rise of residential lofts and condos is transforming the downtown area into a trendy place to live.

Amelia A mainly residential neighborhood, Amelia offers a mix of traditional single-family homes and apartment complexes. The area has parks and schools that serve as community gathering spots, providing a suburban feel within the city.

Each neighborhood in Beaumont, Texas, offers its own slice of life in this East Texas jewel. With a blend of history, diversity, and ongoing development, Beaumont continues to grow while maintaining the unique charm that each of its neighborhoods brings to the city's collective identity. Whether you are seeking a quiet, historical area or a more contemporary urban environment, Beaumont's neighborhoods have something for everyone.

About Beaumont, TX And It’s Education Institutions

Beaumont, Texas, a city rich in history and culture, was founded in 1835 and has grown to a population of approximately 115,000 residents. This city, an important site for the early Texas oil boom, is home to remarkable landmarks such as the Spindletop-Gladys City Boomtown Museum, which commemorates the discovery of oil at Spindletop Hill in 1901, a defining event that dramatically changed the city's future and influenced the global oil industry. Additionally, the city harbors the Beaumont Botanical Gardens, the Art Museum of Southeast Texas, and the Edison Plaza Museum, offering both residents and visitors a glimpse into the area's diverse heritage and natural beauty.

In education, Beaumont prides itself on a range of esteemed institutions. The Beaumont Independent School District (BISD) serves as a cornerstone of K-12 education, providing quality instruction and numerous opportunities for student engagement and achievement. Among the top-ranked public schools are Westbrook Senior High School and Amelia Elementary School, while notable private institutions include Monsignor Kelly Catholic High School and All Saints Episcopal School. These schools feature a strong commitment to academic excellence and well-rounded student development. Post-secondary education is anchored by Lamar University, a prominent research university offering a wide array of undergraduate and graduate degree programs, continuously contributing to the region's educational and economic vitality.

For students in Beaumont, a wealth of educational resources are available, ranging from public libraries equipped with learning and research tools to various after-school and enrichment programs designed to support and inspire learners. The Julie Rogers "Gift of Life" Program offers health and science educational opportunities, while local initiatives such as Beaumont's Summer Reading Program encourage literacy and lifelong learning. With a thriving public education system, bolstered by access to Lamar University's expertise, academic resources, and community partnerships, Beaumont, TX continues to nurture its residents' educational aspirations and cultivate a knowledgeable workforce for the future.

Students at These Beaumont, TX Schools Excel with Our Tutoring

Our tutoring services have had the pleasure of supporting a diverse group of students from various schools across Beaumont, Texas. Below is a sample list of top schools, both private and public, in the Beaumont area where our students have greatly benefited from our personalized tutoring programs. While this list is not comprehensive, it highlights the educational institutions that we have collaborated with, enhancing students' academic performance and confidence.

West Brook Senior High School Beaumont United High School Monsignor Kelly Catholic High School All Saints Episcopal School Marshall Middle School Odom Academy Paul A. Brown Alternative Learning Center Amelia Elementary School Curtis Elementary School Harmony Science Academy Legacy Christian Academy Beaumont Classical Academy Lucas Pre-K Center VISTA College Preparatory Charter School Martin Elementary School Bob Hope School Guess Elementary School Smith Middle School Regina Howell Elementary School Fletcher Elementary School

Note: Schools continually update their websites and manage their web presence. If you find a link above is broken, or if you're looking for information on different schools from the Beaumont area, please check with the Beaumont Independent School District or directly search for the school's recent contact information online.

About Finance & Finance Tutoring

Finance is a broad field that encompasses the management, creation, and study of money, banking, credit, investments, assets, and liabilities. It often deals with the questions of how and why an individual, company or government acquires the money needed – known as capital in the company context – and how they spend or invest that money.

Definition

At its core, finance refers to the system that includes the circulation of money, the granting of credit, the making of investments, and the provision of banking facilities. It's often divided into three main categories: personal finance, corporate finance, and public/government finance.

Description

In personal finance, financial planning is essential, involving the assessment of an individual’s financial position, predicting short-term and long-term needs, and executing a plan to fulfill those needs within individual financial constraints. Personal finance is specific to an individual's situation and activity; therefore, financial strategies depend largely on the person's earnings, living requirements, goals, and desires.

Corporate finance focuses on the financial actions of companies, with the goal to maximize shareholder value. This includes managing resources, analyzing investments, and balancing risk and profitability.

Public finance describes finance as related to sovereign states and sub-national entities (such as states/provinces) and related public entities (e.g., school districts) or agencies. It is concerned with the budgeting process, the expenditure of public money, and the methods of raising the money to pay for public spending.

Type of Finance

Sub-fields within finance include financial economics, financial mathematics, experimental finance, and behavioral finance.

Related Entities to Finance

Financial institutions – such as banks, credit unions, asset management firms, stock brokerages, and investment funds – play a key role in the financial system. They act as intermediaries that facilitate financial operations for individuals and corporations.

Tutoring Strategy

The best strategy for tutoring someone who struggles with finance is to start with the fundamentals and build a strong foundation of financial literacy. Start by explaining basic financial concepts and terms, gradually moving towards more complex topics. Practical examples and real-world scenarios can help make abstract concepts more tangible. It’s important to be patient, provide lots of practice problems, and continuously relate the material back to everyday life to maintain relevance and foster understanding.

Common and Difficult Concepts

Most common concepts in finance include budgeting, saving, investing, borrowing, and forecasting. On the other hand, some of the most difficult concepts may include derivatives, financial modeling, mortgage-backed securities, the Capital Asset Pricing Model (CAPM), and understanding the complexities of financial markets and instruments.

Patience, clear explanations using layman's terms, and relating difficult concepts to known ideas can greatly aid in overcoming the challenges faced by those struggling with finance. Interactive tools, such as online simulators, can also provide a practical learning experience for complex concepts.