Oliver Wyman Actuarial - Internship - Summer 2027 Marsh & McLennan Companies IncOliver Wyman Actuarial - Internship - Summer 2027Atlanta, GA$1,350–$1,600 / weekIn addition, all interns participate in our actuarial bootcamp which consists of a series of presentations, case studies, and mentorship sessions over a six-week period during the summer and aims to give participants a valuable and directly applicable skillset for future employment opportunities within the actuarial industry. If interested in the ICG, feel free to check out our ICG job simulation here, Oliver Wyman Integrated Consulting Group - Forage, for an immersive experience designed to introduce you to the high-impact work of the strategy, risk, and transformation work we do.*.
12-Month Finance Internship LG Chem Ltd12-Month Finance InternshipAtlanta, GAJob Summary (Basic Functions): We are actively searching for a Finance Intern (Accounts Payable Associate) to join our corporate finance team and will support the Business Services Team for North America. This is an excellent opportunity to learn and gain real world experience in Accounts Payable, month end close/analysis, projects or tasks related to Finance.
General Interest - Internship CosmGeneral Interest - InternshipAtlanta, GADepending on job location, you will have the opportunity to visit one of our new venues or experience centers (Los Angeles, The Colony, Salt Lake City or Chadds Ford) where youll see and feel the extraordinary thrill of Cosm content on our dome screen! We're offering two exciting internship paths: In Customer Service, you'll work on optimizing the customer journey by analyzing performance data, improving self-service tools, and contributing to the systems that support our front-line teams.
2027 Commercial Banking Summer Internship - Early Careers Wells Fargo & Co2027 Commercial Banking Summer Internship - Early CareersAtlanta, GA$31.25–$51.92 / hourThey are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation, and remediation of issues, and making sound risk decisions. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions.
NewGE Vernova Finance Internship - US - Summer 2027 GE Vernova IncGE Vernova Finance Internship - US - Summer 2027Atlanta, GA$1,000–$2,000 / weekAs a GE Vernova Finance Intern, you will be provided an opportunity to have a real impact on business issues in areas such as financial analysis, general accounting, project analysis, manufacturing accounting or auditing. For candidates applying to a U.S. based position only: This posting is expected to remain open for at least seven days after it was posted on July 29, 2026.
NewGE Vernova Finance Internship - US - Summer 2027 GE VernovaGE Vernova Finance Internship - US - Summer 2027Atlanta, GA$1,000–$2,000 / weekAs a GE Vernova Finance Intern, you will be provided an opportunity to have a real impact on business issues in areas such as financial analysis, general accounting, project analysis, manufacturing accounting or auditing. For candidates applying to a U.S. based position only: This posting is expected to remain open for at least seven days after it was posted on July 29, 2026.
CNN Health Internships: ATL - Fall 2026 Warner Bros. Discovery IncCNN Health Internships: ATL - Fall 2026Atlanta, GAWe attract the country's boldest and brightest students for paid, for-credit, real-world internship experiences in the entertainment, tech, sports, news and media industries. Behind WBD's vast portfolio of iconic content and beloved brands, are the storytellers bringing our characters to life, the creators bringing them to your living rooms and the dreamers creating what's next….
CNN Weather Internships: ATL or NYC - Fall 2026 Warner Bros. Discovery IncCNN Weather Internships: ATL or NYC - Fall 2026Atlanta, GAAvid consumer of weather and news across the scope of the media landscape (reads weather and news articles, watches tv weather and broadcast news regularly, engages with weather and news stories on digital platforms such as social media). Students would work with both domestic and international weather and climate, as well as our digital platforms, and will have the opportunity to: Participate in the production of on-air, digital, video and written weather and climate content for use across CNN's various platforms.
CNN Editorial and Newsgathering Internships: ATL - Fall 2026 Warner Bros. Discovery IncCNN Editorial and Newsgathering Internships: ATL - Fall 2026Atlanta, GAWe attract the country's boldest and brightest students for paid, for-credit, real-world internship experiences in the entertainment, tech, sports, news and media industries. Behind WBD's vast portfolio of iconic content and beloved brands, are the storytellers bringing our characters to life, the creators bringing them to your living rooms and the dreamers creating what's next….
Medical Device Sales - Paid Internship Medical Sales CollegeMedical Device Sales - Paid InternshipMcDonough, GAProactively research and identify new opportunities via outbound efforts utilizing university relationships, word of mouth, LinkedIn, social media platforms, networking, direct referrals, etc. Shall not misrepresent the nature of the school, facility, programs, expected outcome of training, employment, salary expectations, etc. in any way, either directly or indirectly, implied or omitted.
12-Month Market Development Internship LG Chem Ltd12-Month Market Development InternshipAtlanta, GAThe Procurement Specialist will work in an environment that includes vocal conversations, white noise and/or ventilation noise from AC or heat, external noise such as cars, trucks, sirens from passing vehicles, light construction in the building, sounds from large equipment, dust, moving to and from the office via elevators, florescent lighting, etc. This position will work closely with cross-functional teams-including Marketing, Sales, and Strategy-to gather and analyze market data, develop insights on customer and competitor trends, and assist in executing high-impact marketing and business development activities.
Graduate Intern, Reservations (Data Science) - Fall 2026 Delta Air Lines IncGraduate Intern, Reservations (Data Science) - Fall 2026Atlanta, GAYou'll work on high-impact projects that improve the servicing experiences for millions of customers while gaining hands-on experience in data analytics, process improvement, product management, statistical modeling, and natural language processing (NLP). Projects may include analyzing customer interaction data such as call transcripts, chat logs, and survey responses using NLP techniques to improve customer experience and operational efficiency.
NewDecision Scientist, Operations Decision Science Delta Air Lines IncDecision Scientist, Operations Decision ScienceAtlanta, GAHolistic Wellbeing programs to support physical, emotional, social, and financial health, including access to an employee assistance program offering support for you and anyone in your household, free financial coaching, and extensive resources supporting mental health. Exploring a career at Delta gives you a chance to see the world while earning great compensation and benefits to help you keep climbing along the way: Competitive salary, industry-leading prot sharing program, and performance incentives.
Research Fellow/Trainee Women''s Health Data Science Health Information Technology School of Nursing Emory UniversityResearch Fellow/Trainee Women''s Health Data Science Health Information Technology School of NursingAtlanta, GAThe program comprises: • Specific courses related to DS and HIT methodologies • Electives to individualize training, develop an area of specialization, and facilitate trainees in interdisciplinary courses • Biweekly T32 seminars to foster trainees integration of course content with other program experiences • 15 hours a week of work on faculty research over several semesters • At least one semester of individualized research practicum with center internships • Participation in an interdisciplinary center on campus that relates to the trainees research area. Postdoctoral applicants must submit their curriculum vitae and a brief description of their research goals including the next logical step in their research and research training, goals for research development including alignment with the goals of the T32, and interest in a faculty mentor; three letters of reference; and transcripts from their doctoral degree program.
Research Fellow/Trainee - Women's Health - Data Science - Health Information Technology - School of Nursing Emory UniversityResearch Fellow/Trainee - Women's Health - Data Science - Health Information Technology - School of NursingAtlanta, GeorgiaFull timeThe program comprises: 1) specific courses related to DS and HIT methodologies; 2) electives to individualize training, develop an area of specialization, and facilitate trainees in interdisciplinary courses; 3) biweekly T32 seminars to foster trainees' integration of course content with other program experiences; 4) 15 hours a week of work on faculty research over several semesters; 5) at least one semester of individualized research practicum with center internships; and 6) participation in an interdisciplinary center on campus that relates to the trainee's research area. Postdoctoral applicants must submit their curriculum vitae and a brief description of their research goals including the next logical step in their research and research training, goals for research development including alignment with the goals of the T32, and interest in a faculty mentor; three letters of reference; and transcripts from their doctoral degree program.
Associate Principal - Data Sciences LTM LtdAssociate Principal - Data SciencesAtlanta, GA$105,430–$175,000 / yearTogether with over 87,000 employees across 40 countries and our global network of partners, LTM - a Larsen & Toubro company - owns business outcomes for our clients, helping them not just outperform the market, but to Outcreate it. Please also note that neither LTM nor any of its authorized recruitment agencies/partners charge any candidate registration fee or any other fees from talent (candidates) towards appearing for an interview or securing employment/internship.
Director Program of Research & Student Engagement Emory College of Arts and Sciences Emory UniversityDirector Program of Research & Student Engagement Emory College of Arts and SciencesAtlanta, GAThis position will coordinate EPICA's research fellowship programs, student fellowships and internships, academic programming, and engagement opportunities that connect students, faculty, visiting scholars, policy experts, and external partners. MINIMUM QUALIFICATIONS: Bachelor''s degree in a discipline related to program work and seven years of related experience which includes two years at a management level, OR an equivalent combination of education, experience, and training.
Assistant Scientist (Academic Research) Emory College of Arts and Sciences Emory UniversityAssistant Scientist (Academic Research) Emory College of Arts and SciencesAtlanta, GARemoteUnder minimal supervision, the Assistant Academic Research Scientist performs a wide range of highly technical and complex tasks necessary to advance basic and/or translational research programs. To request this document in an alternate format or to seek a reasonable accommodation, please contact the Department of Accessibility Services at accessibility@emory.edu or call 404-727-9877 (Voice) | 404-712-2049 (TDD).
Assistant Scientist (Academic Research) - Emory College of Arts and Sciences Emory UniversityAssistant Scientist (Academic Research) - Emory College of Arts and SciencesAtlanta, GeorgiaFull timeADDITIONAL JOB DETAILS: The Ling Lab in the Department of Biology at Emory University is looking for a research scientist or postdoctoral fellow to study how transcription machinery dynamically searches for targets, binds chromatin, and regulates gene expression in living cells. Work may include building and validating yeast strains, performing imaging experiments, analyzing microscopy data, working closely with the PI, graduate students, and other lab members, and contributing to day-to-day lab organization and operations.
Director Program of Research & Student Engagement - Emory College of Arts and Sciences Emory UniversityDirector Program of Research & Student Engagement - Emory College of Arts and SciencesAtlanta, GeorgiaFull timeThis position will coordinate EPICA’s research fellowship programs, student fellowships and internships, academic programming, and engagement opportunities that connect students, faculty, visiting scholars, policy experts, and external partners. MINIMUM QUALIFICATIONS: Bachelor's degree in a discipline related to program work and seven years of related experience which includes two years at a management level, OR an equivalent combination of education, experience, and training.
Quantitative Data Analytics Summer Analyst Program - 2027 Bank of America CorpQuantitative Data Analytics Summer Analyst Program - 2027Atlanta, GAAs a Summer Analyst, you will be placed on one team where your primary responsibilities may include, but are not limited to: Extracting, processing and interpreting data to support decision-making, including the potential for complex modeling Conducting research and analysis, including assessing internal and public data to provide a micro view of risk and/or financial management in a particular business line and a macro view for the organization Applying quantitative and analytical knowledge to specific financial challenges and projects specific to your business alignment. Data Analyst Broad responsibilities for collecting, cleaning, analyzing data and extracting insights without necessarily specializing in complex model development; skills include but are not limited to data structures, data integration and data cleaning, specifically proficiencies in data visualization tools including Tableau, Hadoop and/or PowerBI, and programming languages including Python, R, SQL and/or Java.
Intern Chicken Salad Chick PoolerInternAtlanta, GAChicken Salad Chick is the nation's only fast-casual restaurant concept specializing in southern-inspired, fresh, house-made chicken salad. These roles offer unique opportunities to work closely with senior leaders, contribute to innovative business models, and gain hands-on experience in a fast-paced environment.
NewTax Associate, Business Incentives Group - Summer 2027 (Atlanta) BDO International LtdTax Associate, Business Incentives Group - Summer 2027 (Atlanta)Atlanta, GA$85,000–$120,000 / yearAs a Tax Associate, Business Incentives Group, you will help achieve BDO's core purpose-helping people thrive every day-by helping companies and individuals identify and claim government incentives designed to promote innovation, economic growth, and job creation in the U.S. You will also focus on credits available for companies investing in sustainability and green initiatives. Our longer-term goal is to develop an understanding of them as people and of all aspects of their business so that we are well positioned as their trusted advisors, as professionals who understand both their business operations and business drivers as well as how BDO can help them realize their goals.
NewTax Associate, Business Incentives Group - Summer 2027 (Atlanta) BDO USA PCTax Associate, Business Incentives Group - Summer 2027 (Atlanta)Atlanta, GA$85,000–$120,000 / yearAs a Tax Associate, Business Incentives Group, you will help achieve BDO's core purpose-helping people thrive every day-by helping companies and individuals identify and claim government incentives designed to promote innovation, economic growth, and job creation in the U.S. You will also focus on credits available for companies investing in sustainability and green initiatives. Our longer-term goal is to develop an understanding of them as people and of all aspects of their business so that we are well positioned as their trusted advisors, as professionals who understand both their business operations and business drivers as well as how BDO can help them realize their goals.
Tax Intern, Business Incentives Group - Summer 2027 (Atlanta) BDO International LtdTax Intern, Business Incentives Group - Summer 2027 (Atlanta)Atlanta, GA$40–$45 / hourA Tax Intern, Business Incentives Group, helps achieve BDO's core purpose-helping people thrive every day-by helping companies and individuals identify and claim government incentives designed to promote innovation, economic growth, and job creation in the U.S. like the Research & Development (R&D) Tax Credit. Toward that end, BIG Interns pursue opportunities which enable them to gain and improve their skills in every aspect of professional service, including technical, interpersonal, verbal, and written communication, project management, practice management, and business development.
Tax Intern, Business Incentives Group - Summer 2027 (Atlanta) BDO USA PCTax Intern, Business Incentives Group - Summer 2027 (Atlanta)Atlanta, GA$40–$45 / hourA Tax Intern, Business Incentives Group, helps achieve BDO's core purpose-helping people thrive every day-by helping companies and individuals identify and claim government incentives designed to promote innovation, economic growth, and job creation in the U.S. like the Research & Development (R&D) Tax Credit. Toward that end, BIG Interns pursue opportunities which enable them to gain and improve their skills in every aspect of professional service, including technical, interpersonal, verbal, and written communication, project management, practice management, and business development.
Enterprise Credit Summer Analyst Program - 2027 Bank of America CorpEnterprise Credit Summer Analyst Program - 2027Atlanta, GAProgram Tracks 2027 Track 1 - Business Enablement & Credit Data Optimization Bus En & Credit Data Opt Track 2 - Global Wealth & Investment Management Credit GWIM Track 3 - Asset Based Finance Global Commercial Banking Credit & Commercial Real Estate Credit ABF GCB CRE Track 4 - Global Credit for Corporate & Investment Banking Markets Leveraged Finance GCIB GMC LevFin. Program Purpose & Objectives Provide broad exposure to credit underwriting monitoring business controls and credit data management routines across Enterprise Credit while building technical analytical and professional skills through hands-on work training and mentorship.
Temporary Administrative - Griffin Campus, Young Scholars University of GeorgiaTemporary Administrative - Griffin Campus, Young ScholarsGriffin, GA$15–$17 / hourPosting Details Position Details Posting Number G/R16917P Working Title Temporary Administrative - Griffin Campus, Young Scholars Department CAES-Griffin Campus About the University of Georgia Chartered by the state of Georgia in 1785, the University of Georgia is the birthplace of public higher education in America and is the state's flagship university ( https://www.uga.edu/ ). Yes Does this position have Security Access (e.g., public safety, IT security, personnel records, patient records, or access to chemicals and medications) No Background Investigation Policy Offers of employment are contingent upon completion of a background investigation including, a criminal background check demonstrating your eligibility for employment with the University of Georgia; confirmation of the credentials and employment history reflected in your application materials (including reference checks) as they relate to the job-based requirements of the position applied for; and, if applicable, a satisfactory credit check.
NewManager of Business Development- PIN Department Georgia Institute of TechnologyManager of Business Development- PIN DepartmentAtlanta, GA$80,000–$90,000 / yearOver the next decade, Georgia Tech will become an example of inclusive innovation, a leading technological research university of unmatched scale, relentlessly committed to serving the public good; breaking new ground in addressing the biggest local, national, and global challenges and opportunities of our time; making technology broadly accessible; and developing exceptional, principled leaders from all backgrounds ready to produce novel ideas and create solutions with real human impact. We focus on two big, complementary areas: Emerging Innovators, where paid summer internships and annual fellowships provide talent-as-a-service¿hands-on, experiential learning that accelerates careers while advancing innovation in communities; and Local P3s, where we co-create solutions with partners through multidisciplinary research, technologies, and services to drive growth and economic development.
PGIM: 2027 Private Credit, Summer Investment Analyst Program PGIM Global High Yield FundPGIM: 2027 Private Credit, Summer Investment Analyst ProgramAtlanta, GA$35–$40 / hourOur Private Credit Summer Analyst Program hosts interns across various teams including: Corporate Finance, Real Assets, Alternatives, Workouts/Restructuring, and Loan Sourcing/Syndication. PGIM's Private Credit business provides long-term, patient capital to middle-market companies engaged in buyout transactions, refinancings, recapitalizations, growth investments and more.
Procurement Summer Intern CRH PlcProcurement Summer InternAtlanta, GAAward-winning brands include Belgard hardscape, Echelon Masonry, MoistureShield composite decking, RDI railing, Catalyst Fence Solutions, Sakrete packaged concrete, Amerimix mortar, Pebble Technology International pool finishes, Lawn & Garden mulches and landscape features, and Techniseal sands and sealant technologies. Oldcastle APG, Inc.'s 2026 Summer Internship Program is designed to provide a professional environment for undergraduate students to gain real-world experience at a global industry-leading organization.
MBA Intern, Supply Chain Management (Summer 2027) Delta Air Lines IncMBA Intern, Supply Chain Management (Summer 2027)Atlanta, GASCM at Delta Air Lines acts as the principal sourcing function and partners with a wide range of internal business units that include: airport operations, in-flight services, marketing, finance, cargo, corporate services, information technology, sustainability, and human resources. Through strategic joint ventures, innovative revenue enhancements, and continued cost and capacity discipline, Delta now stands ahead of the pack of network carriers in terms of products and services, operational performance, frequent flyer programs and customer service.
NewCorporate & Institutional Banking Undergraduate Intern - Treasury Management The PNC Financial Services Group IncCorporate & Institutional Banking Undergraduate Intern - Treasury ManagementAtlanta, GA$18–$35 / hourAs a leader in digital payment transformation, PNC Treasury Management (TM) helps clients to navigate these business challenges by developing and consulting on cutting-edge solutions to help our clients optimize working capital, achieve faster, more secure transactions, and take advantage of data-driven insights to unlock new potential for their company. Required Education and Experience: Working toward bachelor's degree, preferred business relevant majors (e.g., Marketing, Sales, Finance, Accounting, IT, Economics, Innovation, Math, Statistics, HR, Management, Communications, Business Law, Psychology, Logistics, Operations, junior status, Minimum GPA 3.2.
PGIM: 2027 Private Credit, Summer Investment Analyst Program Prudential Financial IncPGIM: 2027 Private Credit, Summer Investment Analyst ProgramAtlanta, GA$35–$40 / hourOur Private Credit Summer Analyst Program hosts interns across various teams including: Corporate Finance, Real Assets, Alternatives, Workouts/Restructuring, and Loan Sourcing/Syndication. PGIM's Private Credit business provides long-term, patient capital to middle-market companies engaged in buyout transactions, refinancings, recapitalizations, growth investments and more.
People Practices Advisor-Mega Project DPR Construction IncPeople Practices Advisor-Mega ProjectAtlanta, GA$82,000–$123,000 / yearCollaborate with Centers of Excellence and People Operations to deploy People Practices services and execute daily tasks that are required to be completed at a local level, including but not limited to: training program logistics, new hire orientation, technology support, and local people practices events planning and coordination. A key local representative of People Practices (PP) ensuring a best-in-class employee and candidate experience including driving engagement with learning and development, a key partner in the execution of cultural programming, onboarding, interview coordination and builder development (early career) program success.
People Practices Advisor-Meta Project (RPL) - Monroe LA DPR Construction IncPeople Practices Advisor-Meta Project (RPL) - Monroe LAAtlanta, GA$82,000–$123,000 / yearCollaborate with Centers of Excellence and People Operations to deploy PP services and execute daily tasks that are required to be completed at a local level, including but not limited to: training program logistics, new hire orientation, technology support, and local people practices events planning and coordination. A key local representative of People Practices (PP) ensuring a best-in-class employee and candidate experience including driving engagement with learning and development, a key partner in the execution of cultural programming, onboarding, interview coordination and builder development program success.
People Practices Advisor-Meta Project - Monroe LA DPR ConstructionPeople Practices Advisor-Meta Project - Monroe LAAtlanta, GA$82,000–$123,000 / yearCollaborate with Centers of Excellence and People Operations to deploy PP services and execute daily tasks that are required to be completed at a local level, including but not limited to: training program logistics, new hire orientation, technology support, and local people practices events planning and coordination. This role will be coached/managed by the People Practices Business Partner and focus on taking care of employees in the local business unit, on a large/mega project job site, across the Enterprise for a Corporate Services workgroup or Family of Companies.
Transmission Line Engineer 2 Grid Sargent & Lundy LLCTransmission Line Engineer 2 GridAtlanta, GA$69,298–$99,644 / yearIn this role, we expect people to be willing or able to solve problems using modern tools: You are expected to take engineering problems from issue to solution using data and modern tools such as automation and AI to improve workflows, reduce rework, and deliver cost-effective designs. Many engineers in these roles build or use automation to create calculations, summarize technical documents, or draft design documentation, including appropriate use of agentic AI tools, with strong engineering judgment and verification of results.
Transmission Line Engineer 2 - Grid Sargent & LundyTransmission Line Engineer 2 - GridAtlanta, Georgia$69,298–$99,644 / yearFull timeAI & Automation at Sargent & Lundy: In this role, we expect people to be willing or able to solve problems using modern tools: You are expected to take engineering problems from issue to solution using data and modern tools such as automation and AI to improve workflows, reduce rework, and deliver cost-effective designs. Many engineers in these roles build or use automation to create calculations, summarize technical documents, or draft design documentation, including appropriate use of agentic AI tools, with strong engineering judgment and verification of results.
Transmission Line Engineer 3 - Grid Sargent & LundyTransmission Line Engineer 3 - GridAtlanta, Georgia$74,353–$113,595 / yearFull timeAI & Automation at Sargent & Lundy: In this role, we expect people to be willing or able to solve problems using modern tools: You are expected to take engineering problems from issue to solution using data and modern tools such as automation and AI to improve workflows, reduce rework, and deliver cost-effective designs. Many engineers in these roles build or use automation to create calculations, summarize technical documents, or draft design documentation, including appropriate use of agentic AI tools, with strong engineering judgment and verification of results.
Transmission Line Engineer 3 Grid Sargent & Lundy LLCTransmission Line Engineer 3 GridAtlanta, GA$74,353–$113,595 / yearIn this role, we expect people to be willing or able to solve problems using modern tools: You are expected to take engineering problems from issue to solution using data and modern tools such as automation and AI to improve workflows, reduce rework, and deliver cost-effective designs. Many engineers in these roles build or use automation to create calculations, summarize technical documents, or draft design documentation, including appropriate use of agentic AI tools, with strong engineering judgment and verification of results.
Assurance Intern, Technology Risk Assurance - Summer 2027 (Atlanta) BDO USA PCAssurance Intern, Technology Risk Assurance - Summer 2027 (Atlanta)Atlanta, GA$40–$45 / hourThe annual allocation to the ESOP is fully funded by BDO through investments in company stock and grants employees the chance to grow their wealth over time as their shares vest and grow in value with the firm's success, with no employee contributions. We are committed to delivering exceptional experiences to middle market leaders by sharing insight-driven perspectives, helping companies take business as usual to better than usual.
Early Careers: Actuarial Intern Aon PlcEarly Careers: Actuarial InternAtlanta, GA$25–$39.50 / hourRisk Consulting (CAS Exam Track) Aon Global Risk Consulting (AGRC) Actuarial & Analytics Practice is the third largest North American property and casualty consulting firm, providing actuarial services to clients for more than 20 years and comprised of highly skilled and expert professionals in the risk quantification and analysis field. Interns assess exposure to P&C risk by loss forecasting for budgeting and risk management strategy evaluation, calculating actuarial reserves for financial statement support, providing actuarial opinions for regulatory support, and evaluating total cost of risk for effective solutions.