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Prudential’s purpose is to be partners for every life and protectors for every future. Our purpose encourages everything we do by creating a culture in which diversity is celebrated and inclusion assured, for our people, customers, and partners. We provide a platform for our people to do their best work and make an impact to the business, and we support our people’s career ambitions. We pledge to make Prudential a place where you can Connect, Grow, and Succeed. - Set the direction in New business underwriting - Lead and organize the effective control risk - Underwriting Capability Development Role Purpose: - Manage New Business and Underwriting team to ensure all new business cases process and issue within the agreed turnaround time to ensure the achievement of the required business production - Manage complex underwriting cases and deviations that fall beyond the normal UW guideline, introducing and adopting new ways of underwriting, including AI, to help underwriters perform better and faster risk assessment - Work closely with each distribution channels and keep good relationship with partners to ensure great onboarding customer experience Organization Context: - New Business and Underwriting (NB&UW) is one among the first step of the customer journey at Prudential Life Assurance (Thailand), working with Distribution channels, Product, Actuarial, Reinsurers, Claims, Compliance, Technology and Policy Services. - Modernizes NB&UW through digital onboarding, straight-through processing, auto underwriting and AI-assisted risk assessment, so routine cases are decided automatically and underwriters focus on complex cases and deviations beyond the normal UW guideline. - Supports the front line (agents, financial advisors and partners) with faster decisions, clearer underwriting requirements and proactive case status updates, so they can spend more time with customers and give them a quick, simple and transparent onboarding experience. Key accountability - Manage New Business and Underwriting team to ensure all new business cases process and issue within the agreed turnaround time to ensure the achievement of the required business production - Work closely with each distribution channels and keep good relationship with partners to ensure great onboarding customer experience - Contribute to the development and review of the business plan and implement strategic objectives of the department to ensure continued business growth and profitability - Provide strong leadership by developing an effective and motivated team and ensure that all staff enable delivery the superior service to customers and partnerships - Ensure the productivity and service level are managed within agreed turn around time - Drive towards the automation to have less reliance on human and explore. Adopt new innovation i.e. AI UW to provide its best service to customer - Provide technical guidance on business evaluation and acceptance in accordance with the program and acceptable business standards and ensure maintenance of sound underwriting standards and efficient process flows. - Effective communication of decision and performance to Distribution also customer, including regular reports and follow-up for improved quality of business. - Key Service Level delivery for the segment, including NB UW and Policy issuance Turn-around-Time, Conversion, Large/ Complex Case negotiation with Reinsurers and other stakeholders. - Control to the risk management function of the department to improve the performance of the portfolio and manage the overall loss ratio to the acceptable levels. Qualifications: - Leadership Experience in managing Life & Health Operations & Technical Functions (Underwriting/ Claims/ Products) - Experience in Delivering High Value and Multi-Function Operations Initiatives - Graduate/ Post Graduate, with preference to background in Technical Areas like Actuarial, Medicine, Finance and similar - Demonstrated ability in Business Development and Negotiation and lead a Team Environment. - A Pleasant and Self-Driven/ Independent leader, capable to drive complex initiatives - Working in and with large teams of multiple stakeholders - Strong Customer Focus with special interest in driving automation initiatives - Planning and Execution capabilities, with preference to skills/ training in Project and Quality Management Prudential is an equal opportunity employer. We provide equality of opportunity of benefits for all who apply and who perform work for our organisation irrespective of sex, race, age, ethnic origin, educational, social and cultural background, marital status, pregnancy and maternity, religion or belief, disability or part-time / fixed-term work, or any other status protected by applicable law. We encourage the same standards from our recruitment and third-party suppliers taking into account the context of grade, job and location. We also allow for reasonable adjustments to support people with individual physical or mental health requirements.

Prudential’s purpose is to be partners for every life and protectors for every future. Our purpose encourages everything we do by creating a culture in which diversity is celebrated and inclusion assured, for our people, customers, and partners. We provide a platform for our people to do their best work and make an impact to the business, and we support our people’s career ambitions. We pledge to make Prudential a place where you can Connect, Grow, and Succeed. Executive Summary: The Customer & Marketing Strategy supports the Chief Customer and Marketing Officer (CCMO) in shaping the strategic direction for Prudential Thailand’s customer and marketing agenda. Under the CCMO’s direction, the role develops an integrated perspective across customer communication, customer value propositions (CVP), customer experience, segmentation, engagement, and related marketing priorities. The role converts customer, market, and business insights into clear strategic choices, priorities, and recommendations that support the corporate strategy. It identifies customer needs, value pools, performance gaps, and growth opportunities, and uses these insights to guide business direction and define the most important customer and marketing initiatives. The role also provides strategic leadership and governance for selected cross-functional projects, ensuring that initiatives remain aligned with intended customer outcomes, commercial value, and enterprise priorities. Success requires strong business analytics, strategic thinking, executive communication, and the ability to influence decisions across functions. Organization Context: This role sits at the center of Prudential Thailand’s customer and marketing agenda and supports the CCMO in linking customer insight and marketing direction to the company’s broader strategy. It works across customer communication, propositions, experience, data and analytics, digital, product, distribution, operations, technology, finance, risk, and compliance, and coordinates with regional and Group stakeholders where relevant. In a competitive and evolving life insurance market, the role brings together customer understanding, commercial perspective, and enterprise priorities. It provides a coherent view of where the organization should focus, why those priorities matter, and which customer and marketing initiatives will create the greatest strategic and business value. Key Accountabilities and Performance Measures Impacted: The role is accountable for translating customer and market insight into an integrated customer and marketing strategy that supports the corporate strategy. It provides strategic recommendations to the CCMO and senior management, shapes the portfolio of priority initiatives, and guides selected cross-functional projects to ensure alignment with strategic intent and expected customer and commercial outcomes. Key Accountabilities • Develop and maintain the customer and marketing strategy under the CCMO’s direction, integrating customer communication, CVP, customer experience, segmentation, engagement, and key marketing priorities into a coherent strategic framework and roadmap. • Link the customer and marketing strategy to the corporate strategy by translating enterprise objectives into clear customer priorities, strategic choices, and areas of focus. • Lead customer, market, and business analysis, including customer segmentation, behavioral and channel analysis, campaign and experience performance, value-pool assessment, and identification of customer needs and growth opportunities. • Synthesize analysis into decision-quality insights, strategic recommendations, business cases, presentations, and decision papers for the CCMO and senior management. • Shape and prioritize the portfolio of key customer and marketing initiatives, clarifying strategic rationale, intended outcomes, interdependencies, investment considerations, and measures of success. • Provide strategic leadership and governance for selected cross-functional projects, ensuring continued alignment with customer insight, corporate priorities, and expected business outcomes. • Monitor customer and marketing performance, identify significant trends and gaps, and recommend changes in direction, priorities, propositions, journeys, or engagement approaches. • Build alignment across functions and senior stakeholders, constructively challenge assumptions, and facilitate timely decisions on customer and marketing priorities. Prudential is an equal opportunity employer. We provide equality of opportunity of benefits for all who apply and who perform work for our organisation irrespective of sex, race, age, ethnic origin, educational, social and cultural background, marital status, pregnancy and maternity, religion or belief, disability or part-time / fixed-term work, or any other status protected by applicable law. We encourage the same standards from our recruitment and third-party suppliers taking into account the context of grade, job and location. We also allow for reasonable adjustments to support people with individual physical or mental health requirements.

Prudential’s purpose is to be partners for every life and protectors for every future. Our purpose encourages everything we do by creating a culture in which diversity is celebrated and inclusion assured, for our people, customers, and partners. We provide a platform for our people to do their best work and make an impact to the business, and we support our people’s career ambitions. We pledge to make Prudential a place where you can Connect, Grow, and Succeed. 1. Governance & Reporting · Support Investment Committee meetings, including preparing materials, tracking action items and drafting minutes. · Prepare investment papers for the Audit Committee and Board of Directors. · Calculate and review monthly Par fund returns, and maintain the Par return factsheet. · Prepare and present UL fund monitoring and performance reports to banking partners. 2. ALM, Product & New Investment Support · Provide data and analysis to support ALM strategies and new product launches. · Support assessment of new investment opportunities (e.g., CLOs, CLNs), including research and risk-return analysis. · Review investment content in customer-facing materials for index-linked products, and coordinate related queries with internal and external stakeholders. 3. Investment Operations Support · Counterparty documentation: Coordinate ISDA/CSA discussions with banks and internal stakeholders, and track open items through execution. · Third-party management: Act as Business Contract Manager for assigned investment vendors, and coordinate Coupa Risk Assess (CRA) assessments and reassessments. · Fee review: Check fund manager and service-provider fee calculations before payment. · Market data: Retrieve and validate market, security and reference data from Bloomberg. · Market updates: Give daily updates on bond yield movements and key market drivers. Qualifications and Experience · Bachelor's degree in finance, economics or a related field. · At least 4 years of experience in investment management, investment risk, asset-liability management or a related field. · CFA/FRM certification, or progress toward it, preferred. · Strong understanding of investment markets and products, with sound analytical and problem-solving skills. · Strong project management skills, with the ability to manage multiple priorities with attention to detail. · Excellent communication and presentation skills. Able to work independently and as part of a team. Prudential is an equal opportunity employer. We provide equality of opportunity of benefits for all who apply and who perform work for our organisation irrespective of sex, race, age, ethnic origin, educational, social and cultural background, marital status, pregnancy and maternity, religion or belief, disability or part-time / fixed-term work, or any other status protected by applicable law. We encourage the same standards from our recruitment and third-party suppliers taking into account the context of grade, job and location. We also allow for reasonable adjustments to support people with individual physical or mental health requirements.

Prudential’s purpose is to be partners for every life and protectors for every future. Our purpose encourages everything we do by creating a culture in which diversity is celebrated and inclusion assured, for our people, customers, and partners. We provide a platform for our people to do their best work and make an impact to the business, and we support our people’s career ambitions. We pledge to make Prudential a place where you can Connect, Grow, and Succeed. Key Accountabilities - Develop, maintain, and manage IT policies, procedures, standards, and governance practices in line with regulatory, regional and company requirements. - Manage end-to-end IT process inventory, including SDLC process mapping, and drive process improvement where applicable. - Ensure effective implementation, monitoring, and awareness of IT policies, procedures, and governance requirements across relevant teams. - Provide expert advice and support to IT management on IT governance, risk, control, audit, and compliance matters. - Act as the key contact point for IT-related audits, including evidence coordination, clarification, and follow-up / oversight on the IT related audit action plan - Lead and manage the IT department risk register, risk mitigation activities, and control assessments with domain owners. - Lead and implement enterprise AI-ready data governance strategy and execution, including data quality management Minimum requirements: (Qualifications and Experience) - University degree or higher in Computer Science, Information Technology, Information Systems, or related fields. - 12+ years of experience in IT governance, IT risk, IT audit, or technology process management, preferably in the financial services industry. - Strong knowledge of IT policies, SDLC governance, IT controls, regulatory requirements, and security standards. - Experience in managing IT audit coordination, risk register, control assessment, and remediation tracking. - Knowledge of data governance, including data ownership, data quality, data classification, and data stewardship, is a plus.. Key Attributes - Strong stakeholder management communication skills (written and verbal) and ability to discuss strategy at a senior management level - Good command of spoken and written English. - Ability to work under complex condition and time constraint - Knowledge of life insurance industry practices is a plus. Prudential is an equal opportunity employer. We provide equality of opportunity of benefits for all who apply and who perform work for our organisation irrespective of sex, race, age, ethnic origin, educational, social and cultural background, marital status, pregnancy and maternity, religion or belief, disability or part-time / fixed-term work, or any other status protected by applicable law. We encourage the same standards from our recruitment and third-party suppliers taking into account the context of grade, job and location. We also allow for reasonable adjustments to support people with individual physical or mental health requirements.

Prudential’s purpose is to be partners for every life and protectors for every future. Our purpose encourages everything we do by creating a culture in which diversity is celebrated and inclusion assured, for our people, customers, and partners. We provide a platform for our people to do their best work and make an impact to the business, and we support our people’s career ambitions. We pledge to make Prudential a place where you can Connect, Grow, and Succeed. - Responsible for delivering Ordinary Life sales growth through the broker channel and expanding the company’s distribution reach by acquiring high-potential broker partners. - Defines and executes the broker sales and partner acquisition strategy, owns the channel business plan and sales KPIs, and maximizes productivity. - Identifies priority broker segments, develops compelling partnership propositions. - Leads commercial discussions and onboarding and activates new and existing brokers through joint business plans, campaigns, capability building, and disciplined performance management. - Working closely with broker owners and sales leaders and internal Parties Prudential is an equal opportunity employer. We provide equality of opportunity of benefits for all who apply and who perform work for our organisation irrespective of sex, race, age, ethnic origin, educational, social and cultural background, marital status, pregnancy and maternity, religion or belief, disability or part-time / fixed-term work, or any other status protected by applicable law. We encourage the same standards from our recruitment and third-party suppliers taking into account the context of grade, job and location. We also allow for reasonable adjustments to support people with individual physical or mental health requirements.

Prudential’s purpose is to be partners for every life and protectors for every future. Our purpose encourages everything we do by creating a culture in which diversity is celebrated and inclusion assured, for our people, customers, and partners. We provide a platform for our people to do their best work and make an impact to the business, and we support our people’s career ambitions. We pledge to make Prudential a place where you can Connect, Grow, and Succeed. Key Responsibilities: - - Manage daily cash position, cash flow forecasting, liquidity planning, and cross-bank cash pooling to ensure sufficient liquidity for business operations. - Monitor cash targets and optimize surplus cash transfers while maintaining adequate working capital for upcoming payment obligations. - Monitor bank exposure and counterparty limits, including LRAP-related controls, and support timely escalation where exposure approaches approved limits. Treasury monitoring and LRAP activities are also reflected in recent Treasury work. - Oversee bank reconciliation and ABRS processes, including completeness and accuracy reviews, investigation of unmatched items, month-end reconciliation, and remediation of discrepancies. - Manage banking relationships and coordinate banking services, payment solutions, corporate card initiatives, bank fees and service reviews. - Support Treasury governance, audit and compliance requirements by maintaining appropriate controls, supporting documentation and evidence. - Drive process improvement, automation and control enhancements to improve operational efficiency and reduce operational risk. - Coordinate with internal stakeholders, banks and relevant functions to resolve Treasury and banking operational issues. Qualifications & Experience - - Bachelor’s degree in accounting, Finance, or a related field. - Minimum 3 years of experience in Treasury, Banking, Accounting, or a related field. - Strong knowledge of cash flow forecasting, liquidity management, bank reconciliation, and banking operations. - Good command of English (especially writing and speaking) - Proficiency in Microsoft Excel. - Ability to work under tight deadlines and manage multiple tasks effectively. Prudential is an equal opportunity employer. We provide equality of opportunity of benefits for all who apply and who perform work for our organisation irrespective of sex, race, age, ethnic origin, educational, social and cultural background, marital status, pregnancy and maternity, religion or belief, disability or part-time / fixed-term work, or any other status protected by applicable law. We encourage the same standards from our recruitment and third-party suppliers taking into account the context of grade, job and location. We also allow for reasonable adjustments to support people with individual physical or mental health requirements.

Prudential’s purpose is to be partners for every life and protectors for every future. Our purpose encourages everything we do by creating a culture in which diversity is celebrated and inclusion assured, for our people, customers, and partners. We provide a platform for our people to do their best work and make an impact to the business, and we support our people’s career ambitions. We pledge to make Prudential a place where you can Connect, Grow, and Succeed. This role retains end-to-end ownership of Affluent segment initiatives and performance management, including segment strategy, value propositions, customer journeys, campaigns, product concepts, and engagement plans. In addition, the role oversees performance monitoring across all customer segments by consolidating key customer and business metrics, identifying performance gaps and growth opportunities, and recommending timely corrective actions. A strong emphasis is placed on translating customer research, behavioral data, market trends, and campaign results into analytics-driven recommendations that improve proposition relevance and commercial outcomes. The role is accountable for developing and driving retention, repurchase, cross-sell, up-sell, and customer growth initiatives to strengthen customer lifetime value and sustainable business performance. It also provides strategic stakeholder leadership across Product, Commercial, Distribution, Data Analytics, Customer Experience, Technology, Operations, Compliance, Finance, and external partners to align priorities and enable effective execution. The position is expected to demonstrate increased leadership, sound judgment, and decision-making by prioritizing initiatives, resolving cross-functional issues, managing risks and trade-offs, and taking ownership of customer and business outcomes. Prudential is an equal opportunity employer. We provide equality of opportunity of benefits for all who apply and who perform work for our organisation irrespective of sex, race, age, ethnic origin, educational, social and cultural background, marital status, pregnancy and maternity, religion or belief, disability or part-time / fixed-term work, or any other status protected by applicable law. We encourage the same standards from our recruitment and third-party suppliers taking into account the context of grade, job and location. We also allow for reasonable adjustments to support people with individual physical or mental health requirements.

Prudential’s purpose is to be partners for every life and protectors for every future. Our purpose encourages everything we do by creating a culture in which diversity is celebrated and inclusion assured, for our people, customers, and partners. We provide a platform for our people to do their best work and make an impact to the business, and we support our people’s career ambitions. We pledge to make Prudential a place where you can Connect, Grow, and Succeed. Job Purpose: To support Investment Operation and Administration with day-to-day operation and assist in execution and implementation of approved plans/initiatives in respect of company’s Investment Linked Product. Responsibilities: - Execute Investment Linked trades Execute investment trades for investment-linked products with Asset Management Companies (AMCs) Mutual Fund units on timely basis using report from the Company system (Life Asia/AS400). Ensure accurate and complete updates to Investment system (Hiportfolio). - Daily Unit Reconciliation Carry out daily unit reconciliations of policyholder units with AMC asset units on daily basis including custodian report. - Unit Price Validation Input unit prices for reasonableness and input unit prices into the Company system and ensure unit prices are delivered by AMC as per the Service Agreement - Monitor fund transactions Monitor discrepancies in fund transactions, unit reconciliations, and pricing to prevent errors and ensure accuracy. - Monitor, maintenance and fund information such as fund factsheet, annual report and fund calendar in the Company system. Collaborate with Asset Management Companies to ensure effective communication of fund information and any announcement to relevant departments - Maintain and update Investment Operation SOP and Procedure including any memorandum or internal policies related with Investment Linked Fund. - Support new enhancement, new mutual fund or product launches including performing UAT and LMTs project. - Prepare Management Information Reporting - Special assignments from Line manager Qualification: - Bachelor’s degree in Finance, Economics, or a related discipline - Minimum 3 years of experience in investment operations, financial reporting, or asset management - Proficient in Microsoft Excel, with strong attention to details - Collaborative team player with a proactive mindset and strong problem-solving capabilities - Proficient in English for professional business communication, both written and verbal Prudential is an equal opportunity employer. We provide equality of opportunity of benefits for all who apply and who perform work for our organisation irrespective of sex, race, age, ethnic origin, educational, social and cultural background, marital status, pregnancy and maternity, religion or belief, disability or part-time / fixed-term work, or any other status protected by applicable law. We encourage the same standards from our recruitment and third-party suppliers taking into account the context of grade, job and location. We also allow for reasonable adjustments to support people with individual physical or mental health requirements.

Prudential’s purpose is to be partners for every life and protectors for every future. Our purpose encourages everything we do by creating a culture in which diversity is celebrated and inclusion assured, for our people, customers, and partners. We provide a platform for our people to do their best work and make an impact to the business, and we support our people’s career ambitions. We pledge to make Prudential a place where you can Connect, Grow, and Succeed. Key Responsibilities 1. Partnership Business Planning & Performance Management - Developing annual and medium‑term partnership business plans, including targets, initiatives, and performance milestones. - Monitor partnership performance against agreed KPIs (e.g. sales, productivity, campaign effectiveness) and provide regular performance analysis, insights, and recommendations. - Prepare management dashboards, performance reports, and business updates for internal stakeholders and partners. 2. Partner Coordination & Relationship Support - Act as a key coordination point between internal teams (Sales, Operations, Product, Finance, Actuarial, Legal, Compliance, IT) and external partners. - Day‑to‑day partner engagement, follow‑ups, issue tracking, and action closure. - Ensure partner requests, initiatives, and escalations are managed in a timely and structured manner. 3. Project & Initiative Execution - Support the design and execution of partnership initiatives including product launches, campaigns, operation efficiency, process improvements, and new business models. - Coordinate end‑to‑end implementation activities, ensuring alignment across functions and adherence to agreed timelines. - Track project progress, risks, and dependencies, escalating issues proactively 4. Business Analysis & Financial Support - Conduct business analysis, financial projections, and scenario assessments to support partnership proposals and decision‑making. - Assist in preparing financial models, PARs, and approval documents for local management and regional / group governance where required. - Identify opportunities to improve commercial performance, efficiency, and partner profitability. 5. Governance, Controls & Compliance - Ensure partnership activities comply with internal policies, regulatory requirements, and governance standards. - Support documentation for audits, internal reviews, and management assurance activities. - Maintain structured records of partnership agreements, initiatives, and approvals in line with company requirements. 6. Management Support - Act as the trusted working‑level partner, providing timely data, analysis, and recommendations. - Take ownership of assigned workstreams and represent the partnership team in meetings when delegated. - Contribute to continuous improvement of partnership management processes, tools, and ways of working. Prudential is an equal opportunity employer. We provide equality of opportunity of benefits for all who apply and who perform work for our organisation irrespective of sex, race, age, ethnic origin, educational, social and cultural background, marital status, pregnancy and maternity, religion or belief, disability or part-time / fixed-term work, or any other status protected by applicable law. We encourage the same standards from our recruitment and third-party suppliers taking into account the context of grade, job and location. We also allow for reasonable adjustments to support people with individual physical or mental health requirements.

Prudential’s purpose is to be partners for every life and protectors for every future. Our purpose encourages everything we do by creating a culture in which diversity is celebrated and inclusion assured, for our people, customers, and partners. We provide a platform for our people to do their best work and make an impact to the business, and we support our people’s career ambitions. We pledge to make Prudential a place where you can Connect, Grow, and Succeed. สนับสนุนและแนะนำการขาย - ให้คำปรึกษาและเทคนิคการขายผลิตภัณฑ์ประกันชีวิต - ให้ข้อมูลและจุดเด่นของผลิตภัณฑ์ เงื่อนไข ต่างๆ ให้แก้ทีมขายได้อย่างแม่นยำ - ติดตามผลการนำเสนอขายหากติดปัญหาสามารถแก้ไข ได้อย่างรวดเร็ว ดูแลความสัมพันธ์กับธนาคาร - ประสานงานด้านต่างๆ กับเจ้าหน้าที่สินเชื่อ ผู้บริหาร และรวมถึงเพื่อนร่วมงานแผนกอื่นๆ - แก้ไขปัญหาเฉพราะหน้าได้เป็นอย่างดี - จัดกิจกรรมการส่งเสริมการขาย - ให้ความร่วมมือและให้ความช่วยเหลือในกิจกรรมต่างๆของทางธนาคาร และ ทางบริษัทฯ การวิเคราะห์ และติดตามยอดขาย - วิเคราะห์ ยอดขายรายวัน รายสัปดาห์ และรายเดือน รวมถึงการวางแผนการทำงานล่วงหน้า - จัดทำ Report สรุปผลงานงานให้แก้เจ้าหน้าที่สินเชื่อ และสามารถนำเสนอผู้บริหารได้ - กระตุ้นและติดตามยอดขายให้เป็นไปตามเป้าหมาย Training & Coaching - จัดอบรม Product Knowledge ให้กับทีมขาย - Coaching เทคนิคใหม่ๆในการนำเสนอขายและการปิดการขาย - สนับสนุนการจัดกิจกรรมในการส่งเสริมการขาย งานบริการหลังการขาย - ประสานงานติดตามกรมธรรม์ รวมถึงเรื่องเอกสารอื่นๆ ที่เกี่ยวข้อง - การแก้ไขปัญหาได้ตรงตามความต้องการของลูกค้า - ให้คำแนะนำเกี่ยวกับข้อมูลหลังงานขายได้เป็นอย่างดี การปฎิบัติงาน - เข้าปฎิบัติงานได้ตามเวลา และรวมถึงการทำงาน ที่เกินเวลาได้ในบางกรณี - สามรถเดินทางปฎิบัติงาน ตามสถาที่ต่างๆได้ เช่น การเข้าสำนักงานใหญ่ หรือ อาคารที่เกี่ยวข้องกับการทำงาน Prudential is an equal opportunity employer. We provide equality of opportunity of benefits for all who apply and who perform work for our organisation irrespective of sex, race, age, ethnic origin, educational, social and cultural background, marital status, pregnancy and maternity, religion or belief, disability or part-time / fixed-term work, or any other status protected by applicable law. We encourage the same standards from our recruitment and third-party suppliers taking into account the context of grade, job and location. We also allow for reasonable adjustments to support people with individual physical or mental health requirements.