Cross industry, Insurance
AI avatar video turns a script or an existing recording into a presenter video in many languages, for executive updates, product education and marketing. Communications and marketing teams review the script and the translation, then publish, instead of booking talent, a studio and a voice artist again each time a line or a language changes.
Deployments: 9 public, best grade C
Median cycle time reduction, vendor reported: 50% (3 deployments)
Banking, Cross industry
AI cash flow forecasting for corporate treasury is machine learning that categorizes a company's cash flows and forecasts its cash positions across accounts and currencies for the treasury team. Conversational analytics can sit on top of it. Some banks offer it inside their cash management platforms, where it also answers treasurers' questions in plain language, so the team decides on funding and idle balances with better information and less spreadsheet work.
Deployments: 7 public, best grade B
Reported productivity gain: about 90% (JPMorgan Chase, organization claim)
Cross industry, Banking
An AI coding assistant helps software developers by completing and generating code in their IDE and code review flow. It also explains unfamiliar modules, drafts unit tests and reviews pull requests for common defects, while generated code goes through the same review, testing and change controls as any other code.
Deployments: 12 public, best grade B
Median productivity gain: 22.5% (4 deployments, 2 "up to" values left out)
Technology and software, Media and entertainment
AI content moderation for trust and safety scans user generated content, such as live video, images, chat and audio, against an online platform's policy in real time. It removes or hides the clearest violations and routes borderline cases to a human moderator with its reasoning attached, so the platform can review far more content than a human team alone while keeping irreversible decisions with a person.
Deployments: 4 public, best grade C
Autonomy: Supervised agent
Cross industry, Banking
AI marketing content and compliance copilot drafts campaign copy and checks it against advertising rules before a human approves it for publication. It writes campaign copy, product explainers and social posts on brand and in the customer's language from approved product facts, then runs a first pass compliance check against advertising rules and required disclosures, flagging unsupported claims and missing warnings before a human in marketing compliance approves publication.
Deployments: 6 public, best grade B
Reported productivity gain: 34% (Ally Financial, organization claim)
Cross industry, Government and public sector
Intelligent document processing is AI that takes documents in any format, such as scanned forms, PDFs, photos, emails and handwritten notes, and splits, classifies and extracts the required fields. Each field gets a confidence score, is validated against business rules and source systems, and only the uncertain cases go to a person before the data enters the downstream process.
Deployments: 15 public, best grade B
Median cycle time reduction: 75% (7 deployments)
Cross industry, Banking
Enterprise knowledge search is an AI assistant that lets any employee ask a question in plain language and get a synthesized answer from the organization's own documents. It draws the answer from policies, procedures, product manuals and research, with citations to the source documents, and only from documents the employee is allowed to see.
Deployments: 20 public, best grade B
Median employee adoption: 90% (5 deployments)
Banking, Payments and cards
Application and identity fraud detection is AI that checks incoming account and loan applications for banks and lenders to catch forgery and fraud rings. It analyzes documents, device and application data across the whole queue and cross checks against bureau and official sources to flag forged or AI generated documents, synthetic and stolen identities, and coordinated rings.
Deployments: 8 public, best grade B
Reported detection improvement: 2.5x (Department for Work and Pensions, organization claim)
Cross industry, Insurance
An AI assistant that reads board and committee papers before a meeting and gives each director a short, cited briefing. The briefing covers what changed since last time, the decisions being asked of the board, the risks flagged and the open questions worth raising, with page references back to the source pack.
Deployments: 3 public, best grade C
Autonomy: Assist
Real estate, Cross industry
Building energy optimization is AI that continuously predicts a building's heating, cooling and ventilation needs and adjusts its systems in real time to use less energy. It changes setpoints, equipment sequencing and start times through the existing building management system, instead of following fixed schedules, so no person has to retune it by hand.
Deployments: 9 public, best grade C
Median energy savings, vendor reported: 15.8% (5 deployments)
Cross industry, Manufacturing
AI cash application is AI that reads remittance advices in many formats and matches incoming customer payments to open receivable invoices for accounts receivable teams. It proposes deduction and short pay reason codes from prior resolutions and routes only the genuine exceptions to an analyst, so the sub ledger clears itself for the clean majority of payments.
Deployments: 6 public, best grade C
Median automation rate, vendor reported: 96% (5 deployments)
Cross industry, Technology and software
AI that checks an organization's pay decisions for unexplained gaps by gender, race or other protected characteristics. It statistically analyzes pay data, and at the point a recruiter or manager sets a starting salary, a raise or a promotion increase, it checks the proposed number against pay bands and equity rules and flags a decision before it creates a new gap, instead of finding it in next year's audit.
Deployments: 9 public, best grade C
Reported cost reduction: 25% (Elevance Health, vendor claim)
Cross industry, Banking
AI complaints root cause analysis reads the free text of complaints across all channels and clusters it into themes to find the systemic causes behind them. It separates systemic causes from one off events, links each theme to the product, process or control behind it, and routes the insight to the owner who can fix it. A human validates every root cause and every remediation.
Deployments: 3 public, best grade B
Autonomy: Copilot
Cross industry, Banking
AI continuous controls testing checks every transaction or record against a control's rule instead of a periodic sample, giving continuous, full population assurance. It collects evidence from source systems, maps each artifact to the control it supports, flags exceptions for a human to judge, and prepares the risk and control self assessment from incident and loss data for the business to review.
Deployments: 3 public, best grade B
Autonomy: Supervised agent
Cross industry, Government and public sector
Training content generation is AI that helps learning and development teams turn source material into employee training content. It turns procedures, product documentation and policies into course outlines, lesson text, quizzes, narration, avatar videos and translations, which instructional designers and subject matter experts review before publishing.
Deployments: 16 public, best grade B
Median cycle time reduction, vendor reported: 84.5% (4 deployments)
Logistics and transportation, Retail and ecommerce
AI customs classification and declaration is AI that reads what is being shipped and proposes the tariff classification code for a customs declaration. It uses the commercial invoice, the product data and sometimes a photo, gives its reasoning and a confidence score, drafts the declaration with value, origin and parties, and sends only uncertain or high risk entries to a licensed customs specialist before filing.
Deployments: 4 public, best grade B
Reported automation rate: 90% (United Parcel Service, organization claim)
Cross industry, Technology and software
AI detection engineering drafts, tests and tunes the rules that find attacks in security logs, from threat reports, vulnerability disclosures or plain language requests, for an engineer to approve. It also translates rules between query languages, tags them with MITRE ATT&CK techniques and checks them against the organization's own data before they go live.
Deployments: 4 public, best grade B
Reported false positive reduction: 67% (Amazon, organization claim)
Cross industry, Banking
AI for outbound notice drafting writes the letters and notices operations must send at scale, such as arrears notices or decline letters. It also covers complaint responses, servicing confirmations and product change notices, from case data and approved templates and clauses, in the customer's language, for a person to approve where the notice is regulated.
Deployments: 6 public, best grade B
Reported cycle time reduction: 25% (SS&C GIDS and RS, vendor claim)
Cross industry, Professional services
AI for eDiscovery and disclosure document review sorts, prioritizes and codes large collections of emails, chats and files for relevance, issues and legal privilege. It works across litigation, investigations and regulatory requests, so lawyers review the documents most likely to matter and can show the court how the rest were handled.
Deployments: 5 public, best grade B
Reported cycle time reduction: 85% (Purpose Legal, vendor claim)
Cross industry, Technology and software
Employee attrition prediction and retention analytics uses machine learning to score each employee's risk of resigning, for HR and managers. It scores that risk from HR, performance, engagement and compensation data, surfaces the factors driving it for a manager or HR business partner, and feeds an aggregate view of where attrition is concentrated, so retention effort goes to the people and teams most likely to leave instead of being spread evenly or applied only after someone resigns.
Deployments: 4 public, best grade B
Reported accuracy: about 95% (IBM, organization claim)
Banking, Payments and cards
Fee and interest leakage detection is an independent verification layer that checks whether each fee, FX margin, spread and interest charge matches what the contract and pricing tables specify. It recomputes what each charge should have been, compares it with what was actually billed, and surfaces overcharges and undercharges account by account for correction, customer remediation and revenue recovery.
Deployments: 1 public, best grade B
Autonomy: Copilot
Cross industry, Manufacturing
AI for FX exposure forecasting is a machine learning model that predicts a company's future foreign currency cash flows, so treasury can set hedges against a more accurate exposure number. Treasury still decides the hedge ratios, instruments and timing, and executes the trades.
Deployments: 2 public, best grade C
Reported forecast accuracy: 96% (ASML, organization claim)
Cross industry, Banking
AI correspondence triage and routing is AI that sorts inbound letters, emails, uploads and secure messages before anyone answers them, so each one reaches the right team. It brings everything into one intake, identifies what each item is, extracts the key fields, links it to the right customer and account, sets priority and routes it to the right workflow, replacing the manual sorting desk.
Deployments: 9 public, best grade B
Median accuracy: 91% (3 deployments)
Cross industry, Banking
AIOps incident triage is AI that turns a flood of monitoring alerts into one probable incident and routes it to the right team. It also proposes likely root causes and remediation from runbooks and past incidents, and drafts the stakeholder updates and the post incident review, while an engineer authorizes every change.
Deployments: 10 public, best grade B
Median time to repair reduction: 75% (6 deployments)
Banking, Payments and cards
AI for ledger and payment reconciliation matches financial records to each other and flags the exceptions for a human to review. It matches entries across nostro and vostro statements, card and scheme settlement files, the general ledger and suspense accounts, proposes the matches and clearing journals, and routes only the genuine breaks to an operator with a plain language explanation.
Deployments: 8 public, best grade B
Reported automation rate: about 95% (Capital Area Food Bank, vendor claim)
Cross industry, Banking
AI for legacy code modernization reads old code such as COBOL and explains what each program does. It also works on languages like PL/I or old Java, mapping each program's data flows and dependencies, drafting the equivalent modern code or specification, and generating the regression tests needed to prove the new system behaves like the old one.
Deployments: 7 public, best grade B
Reported cycle time reduction: about 50% (Google, organization claim)
Cross industry, Banking
AI policy drafting and gap analysis is an assistant that reads a new or changed obligation and checks which internal policies it affects, for compliance and legal teams. It finds every policy, standard and procedure the obligation touches, flags clauses that now conflict or are silent, and drafts the updated wording in house style as a redline for the policy owner to approve.
Deployments: 7 public, best grade B
Autonomy: Copilot
Technology and software, Cross industry
AI bug report triage is AI that reads incoming bug reports, crash logs and product feedback, and classifies each item for engineering teams. It gathers these from support tickets, app store reviews and error monitoring tools, then sorts them by severity, component and likely duplicate before routing each to the right team. For well specified defects, it drafts a starting code change or reproduction steps for an engineer to review.
Deployments: 4 public, best grade B
Median accuracy: 90% (3 deployments)
Cross industry, Government and public sector
Recruitment screening and scheduling is AI that answers candidates' questions, collects applications in conversation and books interview slots for a recruiter to review. Where the organization chooses, it also assesses applications against the job requirements, but the recruiter makes every selection decision. In the EU, the screening part is a high risk AI system under Annex III point 4 of the AI Act.
Deployments: 8 public, best grade B
Reported cycle time reduction: about 90% (Mastercard, organization claim)
Cross industry, Professional services
AI for RFP and proposal response drafting is AI that helps sales and bid teams answer requests for proposal, tenders, security questionnaires and sales proposals. It breaks the request into questions and requirements, retrieves approved answers and past proposals, drafts the response and a compliance matrix, and routes open points to subject matter experts, with a proposal manager reviewing everything before submission.
Deployments: 7 public, best grade C
Reported handling time reduction: 75% (GroupeActive, organization claim)
Cross industry, Healthcare
Security alert triage and investigation is an AI agent in the security operations center that picks up each new alert or user reported phishing email. It gathers the evidence from the SIEM, endpoint, identity and threat intelligence tools, gives a verdict with its reasoning and a draft incident summary, and closes clear false positives while an analyst approves every containment action.
Deployments: 7 public, best grade B
Median productivity gain: 60% (3 deployments)
Cross industry, Technology and software
AI vulnerability remediation is AI that takes security findings from scanners, fuzzers and bug reports and turns the real ones into a drafted code fix for developers. It filters out duplicates and false positives, reproduces and ranks the findings, and drafts a fix with a test for each, which a developer reviews and merges through the normal change process.
Deployments: 6 public, best grade B
Reported automation rate: about 70% (AMD, vendor claim)
Cross industry, Banking
AI supplier invoice processing is AI that captures supplier invoices in any format and extracts the header and line data. It matches invoices to purchase orders and goods receipts, proposes tax and cost center coding, flags duplicates and suspected fraud, and routes them for approval and posting, leaving only exceptions to accounts payable staff.
Deployments: 10 public, best grade B
Median automation rate: 70% (4 deployments)
Cross industry, Government and public sector
AI knowledge article generation is AI that drafts support knowledge base articles from resolved tickets, cases and conversations. It also detects questions the knowledge base does not answer and articles that are outdated or contradict each other, and proposes new or revised articles for a knowledge owner to review and publish.
Deployments: 5 public, best grade B
Reported contact deflection: 67% (Cornerstone OnDemand, vendor claim)
Cross industry, Banking
Synthetic test data generation is AI that generates realistic synthetic datasets, such as customers, transactions, documents and conversations, without containing real personal data. The datasets keep the structure and statistical properties of production data, so teams can test software, train and validate models and run demos safely.
Deployments: 7 public, best grade B
Reported cycle time reduction: 75% (Patterson Dental, vendor claim)
Cross industry, Banking
AI for vendor due diligence reviews a vendor's security questionnaires, SOC and assurance reports and contracts against an organization's control requirements, and researches the vendor for a risk team. It also checks model documentation, researches the vendor's ownership, sanctions, financial health and adverse media, drafts the risk assessment for a human to approve, and keeps the register of material service providers current with ongoing monitoring.
Deployments: 5 public, best grade B
Autonomy: Copilot
Cross industry, Retail and ecommerce
Threat intelligence collection and reporting is AI that gathers threat reports, extracts the indicators and drafts summaries and briefings for a human analyst to check and send. It watches news, vendor blogs, advisories and filings against the organization's own priorities, pulls out threat actors, vulnerabilities and indicators of compromise, and writes the first version of the daily digest, the incident report or the customer newsletter.
Deployments: 4 public, best grade B
Reported handling time reduction: at least 70% (RH-ISAC, vendor claim)
Cross industry, Retail and ecommerce
AI customer feedback analysis is AI that reads every piece of free text customer feedback and turns it into themes, sentiment and actions for a named owner. The feedback can be survey verbatims, NPS comments, reviews, social posts, chat and call transcripts, and the analysis also identifies drivers, so the organization hears all of its customers instead of a sample.
Deployments: 12 public, best grade B
Reported accuracy: 91% (AT&T, vendor claim)
Cross industry, Retail and ecommerce
AI generated ad creative production and testing is generative AI that creates the images, video and copy variants a paid media campaign needs, for marketers. It scores or tests the variants against real performance data and lets a marketer pick, adjust and publish the ones that work, instead of a manual shoot and edit for every format and audience segment. This page covers making and testing the creative itself; choosing which offer or message to show which customer is covered separately under AI marketing personalization at scale.
Deployments: 10 public, best grade B
Reported click through uplift: about 83% (Dandy Blend, vendor claim)
Cross industry, Manufacturing
An internal talent marketplace is an AI platform that infers employees' skills and interests and recommends short term projects, open roles, mentors and learning to them. It also shows managers which employees fit an opportunity, so that work is staffed from inside before hiring or contracting externally.
Deployments: 6 public, best grade B
Autonomy: Assist
Professional services, Cross industry
A legal research and drafting assistant is a generative AI tool that finds and summarizes case law and legislation for lawyers, answering legal questions with citations. It works for lawyers in firms, legal departments and public bodies, also searching internal know how and drafting first versions of memos, briefings, letters and filings, which the lawyer verifies and signs off.
Deployments: 13 public, best grade B
Median employee adoption: 80% (5 deployments)
Cross industry, Retail and ecommerce
AI content localization translates and adapts an organization's commercial content for each market and language, so marketing and product teams can reach customers in their own language. It works across campaigns, emails, product pages, help content and websites, using the brand's glossary, style guide and past approved translations, then routes output to human linguists and local marketers for review in proportion to how visible and risky the content is.
Deployments: 5 public, best grade C
Reported cycle time reduction: 10x (Swarovski, vendor claim)
Retail and ecommerce, Travel and hospitality
AI loyalty personalization is AI that picks the offer, reward or message for each member of a retail, restaurant or travel loyalty program, inside the program's published rules. It unifies a member's profile across channels and predicts who is about to lapse, so each member gets a tailored action instead of the same blanket discount or point multiplier, and what a member has earned stays unchanged.
Deployments: 4 public, best grade B
Reported conversion uplift: 2x (Panera Bread, vendor claim)
Cross industry, Travel and hospitality
AI marketing personalization at scale is AI that decides, for each customer, which product, offer, message or content to show next, for a marketing team running many campaigns. It works across email, app, web and paid media, and generates the matching copy and creative variants within brand and compliance rules. It is the team's engine across many campaigns and channels, not an agent that converses with the customer.
Deployments: 9 public, best grade B
Reported conversion uplift: 30% (Catchtable, vendor claim)
Cross industry, Government and public sector
AI meeting summarization and action items is AI that turns an internal or operational meeting into a summary, decisions and action items with owners and dates. It transcribes a team, project, board or case meeting, online or in person, with the participants' knowledge, for the organizer to check and share. It is the general purpose tool; client advice meetings and sales calls, which feed a regulated record or a sales pipeline, have their own pages.
Deployments: 11 public, best grade B
Reported time saved per task: 120 minutes (de Alliantie, organization claim)
Cross industry, Manufacturing
An AI platform for frontline and deskless workforce communication is a mobile platform that reaches employees who have no company email or desk, such as plant, store and field staff. It delivers shift schedules, safety updates and two way messaging, with AI powered machine translation showing every message in each employee's own language, and content targeted to the right site, shift or role by rule, instead of one broadcast to everyone.
Deployments: 3 public, best grade C
Reported employee adoption: 96% (Amsted Rail, vendor claim)
Retail and ecommerce, Cross industry
AI catalog enrichment is AI that drafts and repairs product content, such as titles, descriptions and alt text, for online retailers at catalog scale. It also extracts missing attributes such as color, size and material from supplier text and product images, and checks its own output before the content is published to the store and to search engines. A human owns the rules, the quality thresholds and the exceptions.
Deployments: 6 public, best grade B
Reported accuracy: about 75% (Zalando, organization claim)
Cross industry, Banking
Call quality and compliance monitoring is automated quality assurance that transcribes and scores every customer interaction, voice and chat, against the organization's own rubric. It checks required disclosures and script adherence, flags conduct and mis selling risk, and surfaces coaching opportunities, instead of the small sample a human QA team can review.
Deployments: 12 public, best grade B
Reported quality score uplift: about 10% (British Gas, vendor claim)
Cross industry, Manufacturing
Sales quote and estimate generation is AI that turns a customer's product list, drawing, roof photo or request for quotation into a draft quote for a seller or estimator. It reads the input, matches items to the catalog, calculates quantities and applies the organization's price rules, and the seller or estimator then checks and sends it.
Deployments: 4 public, best grade C
Reported handling time reduction: 87.5% (Enpal, vendor claim)
Cross industry, Banking
Regulatory horizon scanning is AI that continuously reads publications from the regulators and standard setters an organization answers to and classifies each item by relevance and urgency. It breaks new rules into individual obligations and maps them to the internal policies and controls that meet them, so compliance owners see what changed and where the gaps are.
Deployments: 5 public, best grade B
Autonomy: Assist
Cross industry, Government and public sector
AI reply drafting for customer email and support tickets is a copilot that drafts the reply to an incoming email, message or ticket once it reaches a service agent. It summarizes the request, pulls the relevant customer data and approved knowledge, and drafts the reply in the organization's tone and the customer's language for the agent to check, edit and send. Live calls and chats, and the sorting of the inbox itself, are separate use cases.
Deployments: 10 public, best grade B
Median cycle time reduction, vendor reported: 50% (3 deployments)
Cross industry, Banking
AI conversation roleplay training is a simulator where generative AI plays a realistic customer, by voice or text, so staff can rehearse difficult conversations. Service, sales and crisis staff can practice as often as they need before handling live conversations, and receive structured feedback against the organization's own standards.
Deployments: 9 public, best grade B
Median time to proficiency reduction, vendor reported: 20% (4 deployments)
Cross industry, Telecommunications
Sales call coaching and CRM update is AI for sales teams that analyzes sales calls and meetings against the team's own sales method to coach sellers and their managers. It also writes the call summary, next steps and opportunity updates into the CRM for the seller to confirm, aiming at winning deals and building selling skill, not the regulated advice record or general meeting notes.
Deployments: 6 public, best grade C
Reported time saved per task: 3 minutes (Sandvik Coromant, organization claim)
Cross industry, Retail and ecommerce
An AI conversational shopping assistant answers product questions and recommends items from a retailer's own catalog, for a need, project or occasion a shopper describes. It works on the retailer's site or app, compares items grounded in the retailer's product data, reviews and stock, and hands the shopper to a basket, a store or a human expert.
Deployments: 13 public, best grade B
Median conversion uplift: 100% (3 deployments)
Government and public sector, Logistics and transportation
Sign language avatar translation is AI that turns written content and video captions into a sign language such as British or American Sign Language, shown by a rendered signing avatar. This lets Deaf and hard of hearing people get travel updates, public information and training content without waiting for a human interpreter to be filmed or booked.
Deployments: 3 public, best grade C
Autonomy: Supervised agent
Cross industry, Government and public sector
Spend classification is AI that reads purchase orders, invoices, card transactions and contracts and assigns each line of spend to a category, for procurement teams. It assigns spend to the organization's taxonomy and to the right supplier, so procurement can see what is bought, from whom and where to consolidate or negotiate.
Deployments: 4 public, best grade B
Autonomy: Supervised agent
Cross industry, Manufacturing
Supplier discovery AI searches large supplier data sets for companies able to supply a requirement, profiles them and builds a longlist and shortlist for buyers. A buyer reviews the list, invites suppliers to an RFI or RFQ and makes the selection.
Deployments: 4 public, best grade C
Reported productivity gain: 95% (Linde Engineering, vendor claim)
Cross industry, Banking
An AI model inventory is a governed register of every AI system and model an organization builds, buys or uses, for risk and compliance teams. Each entry records the owner, purpose, data, risk tier and approval status, kept current by AI that discovers unregistered use, reads the documentation and assembles the evidence a board, auditor or supervisor asks for.
Deployments: 7 public, best grade B
Autonomy: Copilot
Technology and software, Government and public sector
Requirements to test cases is AI that reads product requirements, specifications or recorded sessions and drafts structured user stories, acceptance criteria and test cases for QA engineers to review. It also checks the source for gaps, ambiguity and contradictions, drafts the cases in a format such as Gherkin, and traces each item back to the requirement it covers.
Deployments: 6 public, best grade B
Reported cycle time reduction: 67% (LTIMindtree, vendor claim)
Media and entertainment, Education
AI transcription and captioning is AI that transcribes recorded audio and video, such as podcasts, broadcasts, lessons, interviews and hearings, in several languages. It separates the speakers and produces timed transcripts, subtitles and captions for a human editor to check, delivered as files for publishing or the archive.
Deployments: 7 public, best grade B
Reported cost reduction: 50% (Warner Bros. Discovery, vendor claim)
Retail and ecommerce, Education
Physical security video analytics is AI that watches camera feeds or walk through sensors at a site and flags a likely weapon, intrusion or theft. It works in real time or on search, and leaves the verification and every response action to a human guard or investigator, rather than acting on its own.
Deployments: 13 public, best grade B
Reported search time reduction: at least 90% (Kogan, vendor claim)
Cross industry, Banking
An internal audit copilot is AI that helps internal auditors plan and write up audits, from drafting planning materials to summarizing evidence and drafting findings. It drafts planning memos and document request lists from prior audits, summarizes large evidence sets, builds risk and control matrices from policies and process documents, and drafts findings and reports, with every statement traceable to evidence and a qualified auditor accountable for every conclusion.
Deployments: 4 public, best grade B
Reported handling time reduction: 55% (Banco Bradesco, vendor claim)
Cross industry, Banking
A governed text to SQL analytics assistant turns a business user's plain language question into a query against governed data. It runs the query under that user's own data permissions and returns the table or chart together with the SQL and the tables used, so routine ad hoc questions no longer queue for the data team.
Deployments: 8 public, best grade B
Autonomy: Assist
Cross industry, Banking
Live agent assist is AI that helps a contact center agent during a live call or chat by transcribing it and surfacing the right knowledge and next step. It also drafts responses and writes the after call summary and CRM notes, while the agent stays in control of what is said and done.
Deployments: 26 public, best grade B
Median handling time reduction: 35% (4 deployments)
