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C4070-603 | IBM System z Sales Solutions V6

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C4070-603 - IBM System z Sales Solutions V6 - braindump

Vendor IBM
Exam Number C4070-603
Exam Name IBM System z Sales Solutions V6
Questions 86 Q & A
Recent Update February 12, 2019
Free PDF Download C4070-603 Brain Dump
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C4070-603 exam Dumps Source : IBM System z Sales Solutions V6

Test Code : C4070-603
Test Name : IBM System z Sales Solutions V6
Vendor Name : IBM
Q&A : 86 Real Questions

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IBM IBM System z Sales

Settling In With IBM i For The lengthy Haul | killexams.com Real Questions and Pass4sure dumps

February eleven, 2019 Timothy Prickett Morgan

If nothing else, the IBM i platform has exhibited miraculous longevity. One could even say legendary longevity, if you need to take its heritage all the means back to the system/3 minicomputer from 1969. here is the precise beginning point in the AS/400 family tree and here is when huge Blue, for extremely sound prison and technical and advertising factors, decided to fork its products to address the wonderful wants of giant businesses (with the system/360 mainframe and its observe-ons) and small and medium businesses (beginning with the gadget/three and relocating on during the gadget/34, device/32, system/38, and equipment/36 in the Seventies and early Eighties and passing throughout the AS/four hundred, AS/400e, iSeries, equipment i, and then IBM i on vigor systems structures.

It has been a protracted run indeed, and many valued clientele who have invested in the platform all started manner lower back then and there with the early versions of RPG and moved their purposes ahead and adjusted them as their agencies evolved and the depth and breadth of corporate computing changed, moving on up through RPG II, RPG III, RPG IV, ILE RPG, and now RPG free kind. Being on this platform for even three a long time makes you a relative newcomer.

there is a longer run forward, seeing that we trust that the groups that are nevertheless operating IBM i programs are the real diehards, those who don't have any intention of leaving the platform and that, at the least in accordance with the survey data we now have been privy too, are aspiring to proceed investing in, and even expand their investments in, the IBM i platform.

thus far, we aren't in a recession and heaven inclined there usually are not one, so the priorities that IBM i retail outlets have aren't those that that they had a decade ago throughout the height of the super Recession. again then, as became the case in pretty much all IT businesses, IBM i retail outlets were hunkering down and were making an attempt to cut charges in all approaches feasible, including deferring gadget upgrades and migrations in addition to slicing back on other tasks. simplest 29 percent of the 750 IBM i shops that participated within the 2019 IBM i marketplace Survey, which HelpSystems did back in October 2018, had been concerned about reducing IT spending. this is a remarkably low stage, and i think is indicative of how rather robust the economic system is – excepting one of the crucial matches and starts we noticed at the conclusion of 2018 and here in early 2019 that make us anxious and could start inserting drive on issues. listed here are the proper considerations as culled from the survey:

coping with the boom in information and in determining the analytics to chunk on that facts ranked a little bit bigger on the 2019 IBM i marketplace Survey than did decreasing costs, and i feel over the long haul these considerations will turn into greater essential than modernizing functions and coping with the IBM i advantage shortages that are a perennial be anxious. both of these considerations are being solved as new programmers and new tools to make new interfaces to database applications have become extra commonplace and as technologies corresponding to free form RPG, which appears extra like Java, Python, and Hypertext Preprocessor, are being extra greatly deployed and, importantly, can be picked up extra immediately by using programmers experienced with these other languages.

Given the character of the client base, it appears not going to me that safety and high availability will now not proceed to be primary issues, besides the fact that children that the IBM i platform is among the many most comfortable systems on earth (and never simply since it is obscure, however because it is particularly complex to hack) and it has quite a number excessive availability and disaster recovery equipment (from IBM, Syncsort, Maxava, and HelpSystems) available for those who want to double up their methods and give protection to their applications and information. The bar is regularly bigger than elementary backup and restoration for many IBM i retail outlets in the banking, assurance, manufacturing, and distribution industries that dominate the platform. These companies can’t have security breaches, and they can’t have downtime.

there's a unbelievable volume of balance in the IBM i customer base that we consider, at this factor, is reflective within the stability of the IBM i platform and large Blue’s own belief that it wants a fit IBM i platform to have an general in shape energy methods company. we all be aware of that the vigour programs hardware business has just turned in 5 quarters of revenue boom – anything we discussed lately in establishing our personal earnings model for the vigour programs company – but what we did not be aware of, and what make sure to recognize, is that in the 2nd and third quarters of 2018, the IBM i portion of the business grew greatly quicker than the typical power methods enterprise, and the most effective intent that this did not ensue in the last quarter of 2018 is that revenue of IBM i machinery in q4 2017 changed into reasonably potent and represented a extremely difficult compare. The factor is, the IBM i enterprise has been elevating the energy systems type common. (These pointers about the IBM i business come compliments of Steve Sibley, vice president and providing manager of Cognitive methods at IBM.)

IBM’s own economic stability of the vigor platform – which has been bolstered by a movement into Linux clusters for analytics and excessive efficiency computing simulation and modeling in addition to via the adoption of the HANA in-reminiscence database by way of SAP shoppers on big iron machines together with Power8 and now Power9 techniques – helps IBM i customers believe greater confident in investing within the latest IBM i platform. The contemporary proof from several distinctive surveys, now not simply the one executed by using HelpSystems each year, suggests that companies are through and large either carrying on with to make investments within the platform or even in some situations are planning to raise their spending on the IBM i platform in 2019.

As you could see, the pattern of investment plans for the IBM i platform, as proven in the chart above, has not changed very a lot at all in the past 4 years. it's a remarkably solid sample with however a little wiggling here and there that can also now not even be statistically gigantic. just under a quarter of IBM i retail outlets have suggested in the past four years that they plan to raise their funding in the platform in each yr, and just under half say that they're maintaining steady. This doesn't imply that the identical businesses, 12 months after year, are investing extra and different companies are staying pat, year after yr. it's far more likely that every handful of years – more like four or five – valued clientele improve their methods and extend their ability, and they then take a seat tight. The wonder is that the split isn’t displaying a long way fewer organizations investing and much greater sitting tight. That more than a tenth of the shops don’t comprehend what their plan is as every prior yr involves a close is a bit of annoying, nonetheless it is honest and indicates that a good portion of retailers produce other priorities apart from hardware and operating equipment enhancements. we now have stated this earlier than and we will say it once more: We feel that the people who respond to surveys and read weekly publications concentrated on the IBM i platform are the most active retail outlets – those greater prone to reside distinctly current on hardware and software. So the tempo of adoption for brand new applied sciences, and the expense of investment, should be larger than within the exact base, much of which doesn't trade lots at all.

So if we had to regulate this data to take on the whole base, there should be would becould very well be a ways fewer websites which are investing more funds, far more agencies that are sitting tight, and perhaps fewer sites which are deliberating moving off the IBM i platform. I feel the distribution of facts is doubtless something like 10 p.c of retailers have no concept what they are doing funding shrewd with IBM this year, 5 percent are brooding about moving some or all of their applications to a different platform, maybe 10 % are investing more this yr, and the final seventy five % are sitting tight. this is only a guess, of route. as far as we are able to inform, the rate of attrition – what number of websites we basically lose each and every year – only a tad over 1 p.c. So the rate of movement of applications off the platform, or incidences of unplugging IBM i databases and functions, may no longer be anywhere near as high in the usual base because the information above suggests. what is alarming, possibly, is that the fee of relocating some or all purposes off the platform is balanced towards those that say they'll raise investments. perhaps these are hopeful survey takers, and those that consider it is effortless to stream find it is not and people who believe they are going to find the funds to invest will not.

What we do recognize is that if the fee of software attrition became anywhere near as high as these surveys indicate, then the IBM i company would no longer be growing, but shrinking. And we realize it is not shrinking, so we consider there's a disconnect between planning and reality, both on the upside and the draw back.

in case you drill down into the facts for the 2019 IBM i market Survey, there have been 13 % of outlets that observed they would be moving some purposes to a brand new platform, and one other 9 percent that stated they have been going to move all of their applications off IBM i. (This quantity is per the fresh ALL400s survey finished by way of John Rockwell.)

Anyway, decent good fortune with that.

Porting purposes from one platform to one other, of buying a new suite on that new platform, is an exceptionally intricate task. It is not like trying to exchange a tire whereas using down the road, as is a typical metaphor, but fairly like making an attempt to take the tire off one motor vehicle relocating down the dual carriageway and installation it on a different vehicle using beside it within the adjacent lane devoid of crashing both car or smashing into any person else on the road. Optimism abounds, however when push comes to shove, very few groups are attempting one of these maneuver, and once they do, it is continually as a result of there's a corporate mandate, greater instances than no longer caused with the aid of a merger or acquisition, that pits some other platform against IBM i operating on energy techniques. companies that say they are making one of these move off IBM i are sanguine for their own personal factors, in all probability, but they aren't necessarily simple about how long it could take, what disruption it's going to cost, and what premiere improvement, if any, could be realized.

in case you do the maths on the chart above, eight-tenths of the base has no idea how long a flow will take, yet another 1.7 percent thinks it will take greater than 5 years, and three percent say it'll take between two years and 5 years. only three.four p.c of the overall base say they can do it in below two years. We believe all of these numbers are optimistic, and the agencies who could conveniently leave OS/four hundred and IBM i already did a very long time in the past and those that are stay have a more durable time, no longer an easier time, relocating. If this were now not authentic, the IBM i base could be a hell of plenty smaller than the one hundred twenty,000 shoppers we think are accessible, according to what big Blue has advised us in the past. here's the change between worry or pressure or tradition and the reality of attempting to movement a enterprise off one platform and onto an additional. These moves are at all times a whole lot tougher than they seem to be on the front end, and we suspect most of the benefits also don’t materialize for those that do start structures.

on the typical attrition cost cautioned by using this survey statistics – 9 percent circulate off the platform in somewhere between twelve months and more than 5 years, with most companies no longer being able to see more than 5 years into the long run it really is a neat trick – the installed base would cut back dramatically. it's challenging to assert how some distance as a result of the wide range of timeframes in the survey. If it become 9 p.c of the bottom within two years – name it 4.5 % of the bottom per year – then within a decade the normal base would shrink from a hundred and twenty,000 IBM i websites international right down to about 72,000. this is able to dramatic certainly. however at a 1 % attrition rate per yr, the base is still at 107,500 entertaining valued clientele (not sites and never installed machines, each of that are better) by using 2029. We think there is every possibility that the attrition fee will truly slow and drop beneath 1 percent as IBM demonstrates dedication to the energy systems platform and its IBM i operating device. There are at all times some new shoppers being introduced in new markets, to be sure, but the bleed expense (although it's small) continues to be doubtless an order of magnitude larger than the feed rate.

once they do feel about making the flow, IBM i stores understand exactly where they wish to go, and this reply has been step by step altering over the years: Linux as an alternative to IBM i is on the upward thrust and home windows Server as an alternative is on the wane. in the newest survey, 52 percent of the corporations that observed they had been relocating all or some of their applications to one more platform stated they had been determining home windows Server, while 34 p.c selected Linux. This reflects the relative recognition of home windows Server and Linux within the datacenters of the area at massive, and may be tipped simply a little extra closely towards Linux in comparison to the rest of the area. curiously, 10 % of those polled who talked about they were moving were looking at AIX systems, and another 4 % have been going upscale to equipment z mainframes – as not likely as this may additionally appear. structures are inclined to roll downhill; they do not constantly defy gravity like that.

The thing about such surveys is that they show intent, now not action. We regularly intend to do a lot more than we actually can accomplish, and relocating platforms after spending a long time of increase expertise is not constantly a really smart flow except the platform is in actual situation – just like the Itanium programs from Hewlett Packard enterprise operating OpenVMS or HP-UX or the HP 3000s working MPE or the Sparc systems from Oracle operating Solaris. These have been once top notch platforms with big installed bases and gigantic income streams, but now, IBM is the remaining of those Unix and proprietary platforms with its vigour techniques line. And it is with the aid of a long way the largest and for bound the just one displaying any growth.

related studies

The IBM i Base Did indeed circulation On Up

The IBM i Base Is able to stream On Up

investment And Integration indicators For IBM i

safety still Dominates IBM i discussion, HelpSystems’ 2018 Survey exhibits

The IBM i Base not As Jumpy as it Has Been

The Feeds And Speeds Of The IBM i Base

IBM i Priorities For 2017: Pivot To protection

IBM i tendencies, considerations, And Observations

IBM i Survey receives more suitable As Numbers grow

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finding IBM i: A online game Of forty Questions

it's time to tell Us What you're up to

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Persistent techniques appoints Christopher O'Connor as CEO Designate | killexams.com Real Questions and Pass4sure dumps

Persistent Systems appoints Christopher O'Connor as CEO DesignatePersistent methods nowadays announced the appointment of Christopher (Chris) O’Connor as CEO Designate. He could be taking on from Persistent techniques founder Anand Deshpande and may transition into the function over the subsequent three quarters.

based mostly in the united states, O’Connor would be part of the enterprise on 25th Feb 2019 through the US subsidiary, Persistent techniques Inc.

unless recently, Chris led the cyber web of issues company unit at IBM together with roles as its time-honored manager, Head of sales and Head of all software R&D. He has been the founding strategist, leader and industry-vast innovator of IBM IoT. His prior roles in IBM have founded round building new agencies for IBM reminiscent of techniques management, IBM Commerce and economic utility, and founding the IBM smart Cities application and services business. He additionally has led network hardware R&D in the startup group each exiting and returning to IBM in that tenure.

An alumnus of Rutgers institution, Chris holds a dual Bachelor of Science diploma in Electrical Engineering and computer Science.

Anand Deshpande, Founder, Chairman, and Managing Director, Persistent techniques stated, “As a Persistent consumer for well-nigh 10 years, Chris is aware Persistent’s strengths and is neatly-aligned with the business’s strategy. with his international publicity, deep knowledge of expertise, and substantial journey working with massive and medium firms on their transformation journeys, Chris is perfect to guide our company on its subsequent part of increase. We're excited to have Chris on board and that i appear ahead to working intently with him in transitioning my CEO responsibilities over the subsequent three quarters.”

Chris O’Connor, CEO Designate, Persistent programs, stated, “I’ve been impressed for years with the aid of how Persistent has developed to be a differentiated participant through partnering with leaders, via building application property and by delivering business-critical application for global valued clientele. i am particularly stimulated, excited and humbled to give you the option to lead Persistent on their growth adventure. I seem to be ahead to working with the group to create value for our shoppers, personnel, and shareholders.”

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Currency Headwinds and a Slowing Upgrade Cycle Dent IBM's Results | killexams.com real questions and Pass4sure dumps

Expectations were somewhat muted going into International Business Machines' (NYSE:IBM) fourth quarter. After three successive quarters of year-over-year revenue increases, growth eluded IBM in the third quarter, as the favorable currency exchange rates that had buoyed results turned against the company, taking flat year-over-year growth and turning it negative.

In its results released on Jan. 22, IBM revealed that it suffered the same ill effects in the fourth quarter, as revenue again declined year over year. Still, an unexpected earnings beat and higher-than-expected guidance gave investors cause for optimism.

A woman standing in front of an IBM Z Server.

Image source: IBM.

Mixed results

For the fourth quarter, IBM generated revenue of $21.8 billion, down 3% year over year and in line with analysts' consensus estimates. Adjusted net income, which excludes $1.9 billion in tax charges, came in at $4.4 billion, resulting in adjusted earnings per share of $4.87, ahead of expectations of $4.84. 

Similar to last quarter, foreign currency exchange rates took a toll, as revenue would have been down just 1% after adjusting for exchange rate differences.

Major Business Segments

Q4 2018

Q4 2017

YOY Change

Cognitive solutions

$5.45 billion

$5.43 billion


Global business services

$4.32 billion

$4.15 billion


Technology services & cloud platforms

$8.93 billion

$9.20 billion



$2.62 billion

$3.33 billion


Data source: IBM Fourth-Quarter 2018 Financial Release. YOY=Year over year.

Each of the major business segments was affected to some degree by the changes in currency. 

Revenue from cognitive solutions was essentially flat year over year (up 2% in constant currency), led by growth in solutions software, including analytics and artificial intelligence offerings.

Global business services jumped 4% year over year (or 6% adjusting for currency) from strength in consulting, application management, and global process services.

Technology services and cloud platforms fell 3% year over year (or flat in constant currency), the result of growth in hybrid cloud revenue.

Systems revenue fell 21% (down 20% adjusted for currency changes), primarily the result of the winding down of the refresh cycle for the IBM Z server.

The much-ballyhooed strategic imperatives

IBM has been focusing much of its resources on a transition from its legacy businesses to its so-called strategic imperatives -- high-growth next-generation businesses that include analytics, cloud computing, security, and mobile.

That initiative is producing some degree of success. Revenue from this group of businesses increased to $11.5 billion during the fourth quarter, accounting for 53% of the company's revenue. For the full year, strategic imperatives amounted to $39.8 billion, 50% of IBM's total sales. The company said that the group was negatively impacted by the IBM Z server refresh cycle winding down, but IBM saw double-digit growth across analytics, cloud, and security excluding the IBM Z.

Red Hat

During the company's earnings conference call to discuss the results, IBM's management provided more details for its high-profile acquisition of Red Hat (NYSE:RHT). This amounts to a $34 billion bet on the hybrid cloud-computing market. In the joint press release announcing the deal, the companies pointed out that "research shows that 80 percent of business workloads have yet to move to the cloud, held back by the proprietary nature of today's cloud market."

IBM CFO Jim Kavanaugh said businesses "are concerned about the secure portability of data and workloads across cloud environments, about consistency in management, [about] security protocols across clouds, and in avoiding vendor lock-in." He also cited IBM's "decade-long partnership" with Red Hat as providing momentum for the future, saying that the deal "positions us as the leader in hybrid, multi-cloud world."

The acquisition is expected to close in the second half of 2019.

A look ahead

For 2019, IBM is guiding for diluted earnings per share (EPS) of at least $12.45 and adjusted EPS of at least $13.90. The difference of $1.45 is comprised of acquisition-related costs associated with Red Hat, retirement-related costs, and charges related to the enactment of tax reform. The company also projects free cash flow of $12 billion. This guidance excludes any impact from the Red Hat acquisition, as much will depend on when the deal closes.

IBM's projections slightly exceeded analysts' consensus estimates, which called for adjusted EPS of $13.79 on revenue of $78.82 billion. The higher-than-expected guidance was welcome news for investors, who bid up the stock by 8% in the wake of its earnings report.

IBM was able to close the year with more than 50% of its revenue from strategic imperatives, amounting to $39.8 billion. To put this into context, IBM had set a goal to reach $40 billion, or about 40% of sales by 2018. The company still has a long way to go sustain brisk growth, but IBM is making progress on the long and winding road.

Danny Vena has no position in any of the stocks mentioned. The Motley Fool has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy.

IBM Gains After Beating Estimates: 6 Key Takeaways | killexams.com real questions and Pass4sure dumps

Though far from perfect, IBM's (IBM) latest earnings report contained enough good news to give the IT giant's battered stock a lift.

Results and Guidance

After the bell on Tuesday, Big Blue reported Q4 revenue of $21.76 billion and non-GAAP EPS of $4.87, slightly topping consensus analysts estimates of $21.73 billion and $4.82. Revenue fell about 3.5% in dollars and 1% in constant currency (CC).

IBM also guided for 2019 EPS of "at least" $13.90, which is slightly above reported 2018 EPS of $13.81 and favorable to a $13.80 consensus. On the other hand, the company is guiding for 2019 free cash flow (FCF) of roughly $12 billion, which is below a $13 billion consensus. An IBM spokesperson notes the FCF consensus is skewed by one analyst estimate of around $16 billion and might not account for recent deals to sell seven software businesses and IBM's Seterus mortgage servicing unit, which are expected to close in the coming months.

While IBM's guidance accounts for the asset sales, it doesn't account for the company's recent $34 billion deal to buy open-source software giant Red Hat (RHT) , which will be paid for with cash and is expected to close in the second half of 2019.

With IBM's shares down 25% during the 12 months prior to its Q4 report and over 40% from their 2013 highs, Wall Street is responding positively to the company's latest numbers. In pre-market trading on Wednesday, IBM was up 7.4% to $131.50.

IBM is the Stock of the Day on Real Money, our premium site for active investors. For Stephen Guilfoyle's take on IBM's earnings, please click here.

Here are some notable takeaways from IBM's earnings report and call.

1. Software Sales Were Better Than Expected

Going over well with investors: IBM's highly profitable Cognitive Solutions (CS) segment, which covers a large portion of its software operations, posted Q4 revenue of $5.46 billion, topping a $5.27 billion consensus. CS revenue was flat annually and up 2% in CC, after having dropped 6% in Q3.

Improved deal closings for IBM's age-old transaction processing software business help out: After having dropped 10% in Q3, transaction processing revenue fell just 1% in Q4. CS also benefited from higher sales for IBM's DB2 database software family, and from a 4% increase in cloud revenue.

However, IBM's software growth still trails that of a broader enterprise software market forecast in October by research firm Gartner to grow 9.9% in 2018 and 8.3% in 2019. And when asked whether CS would hit a long-term target of mid-single digit revenue growth in 2019, Kavanaugh declined to say whether it would, instead noting (though IBM has often backed out the impact of divestitures when reporting growth rates) that IBM's pending software asset sales will act as "a four to five-point headwind" to the segment's 2019 revenue growth.

2. Mainframe Sales Fell Sharply

IBM's Systems segment, which covers sales of hardware and operating system software, saw revenue drop 21% to $2.62 billion, below a $2.77 billion consensus. Driving most of the decline: IBM's Z mainframe revenue fell 44%, after having risen 75% a year earlier thanks to the Sep. 2017 rollout of IBM's z14 mainframe.

Though mainframe revenue was expected to fall thanks to cyclicality, the magnitude of the drop appears to have been bigger than expected. Systems revenue was also hurt by an 8% drop in IBM's storage sales, which have been hurt by competitive pressures. On the bright side, sales of IBM's Power servers, which are benefiting from healthy uptake for systems using IBM's giant Power9 CPUs, rose 9%.

3. Services Were a Mixed Bag

IBM's Global Business Services (GBS) segment saw revenue rise 4% to $4.32 billion, topping a $4.15 billion consensus. A 5% increase in consulting revenue offset small declines in business process and software outsourcing revenue.

On the other hand, IBM's Technology Services & Cloud Platforms (TS & CP) segment saw revenue drop 3% to $8.93 billion, missing a $9.04 billion consensus. Declines in some of the segment's older services businesses offset a 19% increase in its cloud revenue. On the call, CFO Jim Kavanaugh said IBM is choosing to walk away from some "lower-value" infrastructure services contracts.

IBM's total services signings -- they tend to fluctuate a lot from quarter to quarter -- grew 21% in CC to $15.8 billion, after having dropped 21% in CC in Q3. The company's services backlog rose by $3 billion sequentially to $116 billion, but was down 1% annually in CC and 4% in dollars.

4. Free Cash Flow Is Still Under Pressure

In 2018, IBM posted non-GAAP net income of $12.7 billion, but FCF of only $11.9 billion. And with IBM forecasting modest 2019 increases for both EPS and FCF, it looks like FCF will once more be less than non-GAAP net income, even after accounting for the boost that stock buybacks are likely to provide to EPS.

Both IBM's reported 2018 and expected 2019 FCF, it's worth noting, are below reported 2017 FCF of $13 billion, and well below a 2012 peak of $18.2 billion.

5. IBM's Tax Rate and Profit Margins Are Both Expected to Tick Higher

Kavanaugh forecast IBM will see an "all-in" tax rate of about 11% to 12% for 2019. That compares with non-GAAP tax rates of 8% and 7% for 2018 and 2017, respectively.

IBM expects the impact of a higher tax rate to be offset by moderate improvement in its pre-tax profit margin, which was slightly above 17% for continuing operations in both 2017 and 2018. Lower operating expenses -- the result of both spending cuts and the impact of a stronger dollar on non-U.S. expenses -- gave a lift to IBM's margins in Q4: The company's non-GAAP operating expenses fell 5% to $5.7 billion.

6. Buybacks and Dividend Hikes Are Expected to Continue

IBM spent $2.05 billion on stock buybacks in Q4 (that boosted EPS a bit), and $4.4 billion over the whole of 2018. On the call, Kavanaugh indicated IBM, which had $3.3 billion left on its buyback authorization at the end of 2018, will continue repurchasing shares.

He also reiterated that IBM, which will soon have to cut a massive check to pay for Red Hat, is still committed to growing its dividend each year. Based on its current after-hours trading price, IBM sports a forward dividend yield of 4.9%.

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References :

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Calameo : http://en.calameo.com/books/004923526f1896d0a64bb
Box.net : https://app.box.com/s/5l70rz92a6bnhyfc6t2zjr0lmlcnl9q7
zoho.com : https://docs.zoho.com/file/5ptnod57605c3fb3e4f989e917957a0d95548

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