With auto the default , pandoc will attempt to wrap lines to the column width specified by --columns default With none , pandoc will not wrap lines at all. With preserve , pandoc will attempt to preserve the wrapping from the source document that is, where there are nonsemantic newlines in the source, there will be nonsemantic newlines in the output as well.

In ipynb output, this option affects wrapping of the contents of markdown cells. Specify length of lines in characters. This affects text wrapping in the generated source code see --wrap. It also affects calculation of column widths for plain text tables see Tables below. Include an automatically generated table of contents or, in the case of latex , context , docx , odt , opendocument , rst , or ms , an instruction to create one in the output document.

Note that if you are producing a PDF via ms , the table of contents will appear at the beginning of the document, before the title. Specify the number of section levels to include in the table of contents. The default is 3 which means that level-1, 2, and 3 headings will be listed in the contents.

Strip out HTML comments in the Markdown or Textile source, rather than passing them on to Markdown, Textile or HTML output as raw HTML. Disables syntax highlighting for code blocks and inlines, even when a language attribute is given. Specifies the coloring style to be used in highlighted source code. Options are pygments the default , kate , monochrome , breezeDark , espresso , zenburn , haddock , and tango.

For more information on syntax highlighting in pandoc, see Syntax highlighting , below. See also --list-highlight-styles. Instead of a STYLE name, a JSON file with extension. theme may be supplied. This will be parsed as a KDE syntax highlighting theme and if valid used as the highlighting style. To generate the JSON version of an existing style, use --print-highlight-style.

Prints a JSON version of a highlighting style, which can be modified, saved with a. theme extension, and used with --highlight-style. Instructs pandoc to load a KDE XML syntax definition file, which will be used for syntax highlighting of appropriately marked code blocks.

This can be used to add support for new languages or to use altered syntax definitions for existing languages. This option may be repeated to add multiple syntax definitions.

Include contents of FILE , verbatim, at the end of the header. This can be used, for example, to include special CSS or JavaScript in HTML documents. This option can be used repeatedly to include multiple files in the header. They will be included in the order specified.

Include contents of FILE , verbatim, at the beginning of the document body e. This can be used to include navigation bars or banners in HTML documents.

This option can be used repeatedly to include multiple files. List of paths to search for images and other resources.

The paths should be separated by : on Linux, UNIX, and macOS systems, and by ; on Windows. If --resource-path is not specified, the default resource path is the working directory. Note that, if --resource-path is specified, the working directory must be explicitly listed or it will not be searched. This option can be used repeatedly. Search path components that come later on the command line will be searched before those that come earlier, so --resource-path foo:bar --resource-path baz:bim is equivalent to --resource-path baz:bim:foo:bar.

Set the request header NAME to the value VAL when making HTTP requests for example, when a URL is given on the command line, or when resources used in a document must be downloaded.

Disable the certificate verification to allow access to unsecure HTTP resources for example when the certificate is no longer valid or self signed. Deprecated synonym for --embed-resources --standalone. Produce a standalone HTML file with no external dependencies, using data: URIs to incorporate the contents of linked scripts, stylesheets, images, and videos.

Scripts, images, and stylesheets at absolute URLs will be downloaded; those at relative URLs will be sought relative to the working directory if the first source file is local or relative to the base URL if the first source file is remote.

Limitation: resources that are loaded dynamically through JavaScript cannot be incorporated; as a result, some advanced features e. js slide show. This option only has an effect if the smart extension is enabled for the input format used.

Use only ASCII characters in output. Currently supported for XML and HTML formats which use entities instead of UTF-8 when this option is selected , CommonMark, gfm, and Markdown which use entities , roff ms which use hexadecimal escapes , and to a limited degree LaTeX which uses standard commands for accented characters when possible.

roff man output uses ASCII by default. Use reference-style links, rather than inline links, in writing Markdown or reStructuredText. By default inline links are used. The placement of link references is affected by the --reference-location option. Specify whether footnotes and references, if reference-links is set are placed at the end of the current top-level block, the current section, or the document.

The default is document. Currently this option only affects the markdown , muse , html , epub , slidy , s5 , slideous , dzslides , and revealjs writers. Specify whether to use ATX-style -prefixed or Setext-style underlined headings for level 1 and 2 headings in Markdown output. The default is atx. This option also affects Markdown cells in ipynb output.

Treat top-level headings as the given division type in LaTeX, ConTeXt, DocBook, and TEI output. The hierarchy order is part, chapter, then section; all headings are shifted such that the top-level heading becomes the specified type.

The default behavior is to determine the best division type via heuristics: unless other conditions apply, section is chosen. When the documentclass variable is set to report , book , or memoir unless the article option is specified , chapter is implied as the setting for this option.

Number section headings in LaTeX, ConTeXt, HTML, Docx, ms, or EPUB output. By default, sections are not numbered. Sections with class unnumbered will never be numbered, even if --number-sections is specified. Offset for section headings in HTML output ignored in other output formats. The first number is added to the section number for top-level headings, the second for second-level headings, and so on. Offsets are 0 by default. Implies --number-sections. Use the listings package for LaTeX code blocks.

The package does not support multi-byte encoding for source code. To handle UTF-8 you would need to use a custom template. This issue is fully documented here: Encoding issue with the listings package. Make list items in slide shows display incrementally one by one.

The default is for lists to be displayed all at once. Specifies that headings with the specified level create slides for beamer , s5 , slidy , slideous , dzslides. Headings above this level in the hierarchy are used to divide the slide show into sections; headings below this level create subheads within a slide. Valid values are If a slide level of 0 is specified, slides will not be split automatically on headings, and horizontal rules must be used to indicate slide boundaries.

If a slide level is not specified explicitly, the slide level will be set automatically based on the contents of the document; see Structuring the slide show. See Heading identifiers , below. Specify a method for obfuscating mailto: links in HTML documents. none leaves mailto: links as they are. javascript obfuscates them using JavaScript. references obfuscates them by printing their letters as decimal or hexadecimal character references. The default is none.

Specify a prefix to be added to all identifiers and internal links in HTML and DocBook output, and to footnote numbers in Markdown and Haddock output. This is useful for preventing duplicate identifiers when generating fragments to be included in other pages. Specify STRING as a prefix at the beginning of the title that appears in the HTML header but not in the title as it appears at the beginning of the HTML body. Link to a CSS style sheet.

A stylesheet is required for generating EPUB. If none is provided using this option or the css or stylesheet metadata fields , pandoc will look for a file epub. css in the user data directory see --data-dir. If it is not found there, sensible defaults will be used. For best results, the reference docx should be a modified version of a docx file produced using pandoc. The contents of the reference docx are ignored, but its stylesheets and document properties including margins, page size, header, and footer are used in the new docx.

If no reference docx is specified on the command line, pandoc will look for a file reference. docx in the user data directory see --data-dir. If this is not found either, sensible defaults will be used.

To produce a custom reference. docx , first get a copy of the default reference. docx : pandoc -o custom-reference.

docx --print-default-data-file reference. Then open custom-reference. docx in Word, modify the styles as you wish, and save the file. For best results, do not make changes to this file other than modifying the styles used by pandoc:.

For best results, the reference ODT should be a modified version of an ODT produced using pandoc. The contents of the reference ODT are ignored, but its stylesheets are used in the new ODT. If no reference ODT is specified on the command line, pandoc will look for a file reference. odt in the user data directory see --data-dir.

odt , first get a copy of the default reference. odt : pandoc -o custom-reference. odt --print-default-data-file reference. odt in LibreOffice, modify the styles as you wish, and save the file. Templates included with Microsoft PowerPoint either with.

pptx or. potx extension are known to work, as are most templates derived from these. The specific requirement is that the template should contain layouts with the following names as seen within PowerPoint :.

For each name, the first layout found with that name will be used. If no layout is found with one of the names, pandoc will output a warning and use the layout with that name from the default reference doc instead. How these layouts are used is described in PowerPoint layout choice. All templates included with a recent version of MS PowerPoint will fit these criteria. You can click on Layout under the Home menu to check. You can also modify the default reference.

pptx : first run pandoc -o custom-reference. pptx --print-default-data-file reference. pptx , and then modify custom-reference. pptx in MS PowerPoint pandoc will use the layouts with the names listed above. Use the specified image as the EPUB cover. It is recommended that the image be less than px in width and height.

Note that in a Markdown source document you can also specify cover-image in a YAML metadata block see EPUB Metadata , below. Look in the specified XML file for metadata for the EPUB. The file should contain a series of Dublin Core elements. For example:. Any of these may be overridden by elements in the metadata file. Note: if the source document is Markdown, a YAML metadata block in the document can be used instead.

See below under EPUB Metadata. Embed the specified font in the EPUB. This option can be repeated to embed multiple fonts. However, if you use wildcards on the command line, be sure to escape them or put the whole filename in single quotes, to prevent them from being interpreted by the shell. To use the embedded fonts, you will need to add declarations like the following to your CSS see --css :. The default is to split into chapters at level-1 headings.

This option only affects the internal composition of the EPUB, not the way chapters and sections are displayed to users. Some readers may be slow if the chapter files are too large, so for large documents with few level-1 headings, one might want to use a chapter level of 2 or 3. Specify the subdirectory in the OCF container that is to hold the EPUB-specific contents. The default is EPUB. To put the EPUB contents in the top level, use an empty string. Determines how ipynb output cells are treated.

all means that all of the data formats included in the original are preserved. none means that the contents of data cells are omitted.

best causes pandoc to try to pick the richest data block in each output cell that is compatible with the output format. The default is best. Use the specified engine when producing PDF output. Valid values are pdflatex , lualatex , xelatex , latexmk , tectonic , wkhtmltopdf , weasyprint , pagedjs-cli , prince , context , and pdfroff.

If the engine is not in your PATH, the full path of the engine may be specified here. Use the given string as a command-line argument to the pdf-engine. Note that no check for duplicate options is done. Process the citations in the file, replacing them with rendered citations and adding a bibliography. Citation processing will not take place unless bibliographic data is supplied, either through an external file specified using the --bibliography option or the bibliography field in metadata, or via a references section in metadata containing a list of citations in CSL YAML format with Markdown formatting.

The style is controlled by a CSL stylesheet specified using the --csl option or the csl field in metadata. If no stylesheet is specified, the chicago-author-date style will be used by default. The citation processing transformation may be applied before or after filters or Lua filters see --filter , --lua-filter : these transformations are applied in the order they appear on the command line.

For more information, see the section on Citations. If you supply this argument multiple times, each FILE will be added to bibliography. If FILE is a URL, it will be fetched via HTTP.

If FILE is not found relative to the working directory, it will be sought in the resource path see --resource-path. If FILE is not found relative to the working directory, it will be sought in the resource path see --resource-path and finally in the csl subdirectory of the pandoc user data directory.

Use natbib for citations in LaTeX output. This option is not for use with the --citeproc option or with PDF output. It is intended for use in producing a LaTeX file that can be processed with bibtex. Use biblatex for citations in LaTeX output. It is intended for use in producing a LaTeX file that can be processed with bibtex or biber. The default is to render TeX math as far as possible using Unicode characters.

However, this gives acceptable results only for basic math, usually you will want to use --mathjax or another of the following options. Use MathJax to display embedded TeX math in HTML output. Then the MathJax JavaScript will render it. The URL should point to the MathJax. js load script. If a URL is not provided, a link to the Cloudflare CDN will be inserted.

Convert TeX math to MathML in epub3 , docbook4 , docbook5 , jats , html4 and html5. This is the default in odt output. Note that currently only Firefox and Safari and select e-book readers natively support MathML. The formula will be URL-encoded and concatenated with the URL provided.

Use KaTeX to display embedded TeX math in HTML output. The URL is the base URL for the KaTeX library. That directory should contain a katex. js and a katex. css file. If a URL is not provided, a link to the KaTeX CDN will be inserted. The resulting HTML can then be processed by GladTeX to produce SVG images of the typeset formulas and an HTML file with these images embedded. Print information about command-line arguments to stdout , then exit. This option is intended primarily for use in wrapper scripts.

The first line of output contains the name of the output file specified with the -o option, or - for stdout if no output file was specified. The remaining lines contain the command-line arguments, one per line, in the order they appear.

These do not include regular pandoc options and their arguments, but do include any options appearing after a -- separator at the end of the line. Ignore command-line arguments for use in wrapper scripts. Regular pandoc options are not ignored. If pandoc completes successfully, it will return exit code 0.

Nonzero exit codes have the following meanings:. The --defaults option may be used to specify a package of options, in the form of a YAML file. Fields that are omitted will just have their regular default values. So a defaults file can be as simple as one line:. In fields that expect a file path or list of file paths , the following syntax may be used to interpolate environment variables:. This allows you to refer to resources contained in that directory:.

This environment variable interpolation syntax only works in fields that expect file paths. Defaults files can be placed in the defaults subdirectory of the user data directory and used from any directory. For example, one could create a file specifying defaults for writing letters, save it as letter.

yaml in the defaults subdirectory of the user data directory, and then invoke these defaults from any directory using pandoc --defaults letter or pandoc -dletter. Note that, where command-line arguments may be repeated --metadata-file , --css , --include-in-header , --include-before-body , --include-after-body , --variable , --metadata , --syntax-definition , the values specified on the command line will combine with values specified in the defaults file, rather than replacing them.

The value of input-files may be left empty to indicate input from stdin, and it can be an empty sequence [] for no input. Options specified in a defaults file itself always have priority over those in another file included with a defaults: entry.

verbosity can have the values ERROR , WARNING , or INFO. Metadata values specified in a defaults file are parsed as literal string text, not Markdown. Filters will be assumed to be Lua filters if they have the. lua extension, and JSON filters otherwise. But the filter type can also be specified explicitly, as shown. Filters are run in the order specified.

To include the built-in citeproc filter, use either citeproc or {type: citeproc}. cite-method can be citeproc , natbib , or biblatex. This only affects LaTeX output. If you need control over when the citeproc processing is done relative to other filters, you should instead use citeproc in the list of filters see above. In addition to the values listed above, method can have the value plain.

If the command line option accepts a URL argument, an url: field can be added to html-math-method:. To see the default template that is used, just type. where FORMAT is the name of the output format. A custom template can be specified using the --template option. Templates contain variables , which allow for the inclusion of arbitrary information at any point in the file. In addition, some variables are given default values by pandoc. If you use custom templates, you may need to revise them as pandoc changes.

We recommend tracking the changes in the default templates, and modifying your custom templates accordingly. An easy way to do this is to fork the pandoc-templates repository and merge in changes after each pandoc release. The styles may also be mixed in the same template, but the opening and closing delimiter must match in each case. The opening delimiter may be followed by one or more spaces or tabs, which will be ignored. The closing delimiter may be followed by one or more spaces or tabs, which will be ignored.

A slot for an interpolated variable is a variable name surrounded by matched delimiters. The keywords it , if , else , endif , for , sep , and endfor may not be used as variable names. Variable names with periods are used to get at structured variable values. So, for example, employee. salary will return the value of the salary field of the object that is the value of the employee field.

A conditional begins with if variable enclosed in matched delimiters and ends with endif enclosed in matched delimiters. It may optionally contain an else enclosed in matched delimiters. The if section is used if variable has a non-empty value, otherwise the else section is used if present. The keyword elseif may be used to simplify complex nested conditionals:. A for loop begins with for variable enclosed in matched delimiters and ends with endfor enclosed in matched delimiters.

You may optionally specify a separator between consecutive values using sep enclosed in matched delimiters. The material between sep and the endfor is the separator. Instead of using variable inside the loop, the special anaphoric keyword it may be used. Partials subtemplates stored in different files may be included by using the name of the partial, followed by , for example:. Partials will be sought in the directory containing the main template. The file name will be assumed to have the same extension as the main template if it lacks an extension.

When calling the partial, the full name including file extension can also be used:. If a partial is not found in the directory of the template and the template path is given as a relative path, it will also be sought in the templates subdirectory of the user data directory. If articles is an array, this will iterate over its values, applying the partial bibentry to each one. So the second example above is equivalent to. Note that the anaphoric keyword it must be used when iterating over partials.

In the above examples, the bibentry partial should contain it. title and so on instead of articles. A separator between values of an array may be specified in square brackets, immediately after the variable name or partial:.

The separator in this case is literal and unlike with sep in an explicit for loop cannot contain interpolated variables or other template directives.

In this example, if item. description has multiple lines, they will all be indented to line up with the first line:. Normally, spaces in the template itself as opposed to values of the interpolated variables are not breakable, but they can be made breakable in part of the template by using the ~ keyword ended with another ~.

A pipe transforms the value of a variable or partial. pairs : Converts a map or array to an array of maps, each with key and value fields. If the original value was an array, the key will be the array index, starting with 1. length : Returns the length of the value: number of characters for a textual value, number of elements for a map or array. reverse : Reverses a textual value or array, and has no effect on other values.

first : Returns the first value of an array, if applied to a non-empty array; otherwise returns the original value. last : Returns the last value of an array, if applied to a non-empty array; otherwise returns the original value. rest : Returns all but the first value of an array, if applied to a non-empty array; otherwise returns the original value.

allbutlast : Returns all but the last value of an array, if applied to a non-empty array; otherwise returns the original value. chomp : Removes trailing newlines and breakable space. nowrap : Disables line wrapping on breakable spaces.

alpha : Converts textual values that can be read as an integer into lowercase alphabetic characters a.. z mod This can be used to get lettered enumeration from array indices.

To get uppercase letters, chain with uppercase. roman : Converts textual values that can be read as an integer into lowercase roman numerals. To get uppercase roman, chain with uppercase. left n "leftborder" "rightborder" : Renders a textual value in a block of width n , aligned to the left, with an optional left and right border.

Has no effect on other values. This can be used to align material in tables. Widths are positive integers indicating the number of characters. right n "leftborder" "rightborder" : Renders a textual value in a block of width n , aligned to the right, and has no effect on other values.

center n "leftborder" "rightborder" : Renders a textual value in a block of width n , aligned to the center, and has no effect on other values. allow identification of basic aspects of the document. Included in PDF metadata through LaTeX and ConTeXt. These can be set through a pandoc title block , which allows for multiple authors, or through a YAML metadata block :.

Note that if you just want to set PDF or HTML metadata, without including a title block in the document itself, you can set the title-meta , author-meta , and date-meta variables. By default these are set automatically, based on title , author , and date. The page title in HTML is set by pagetitle , which is equal to title by default.

Additionally, any root-level string metadata, not included in ODT, docx or pptx metadata is added as a custom property. The following YAML metadata block for instance:. will include title , author and description as standard document properties and subtitle as a custom property when converting to docx, ODT or pptx.

identifies the main language of the document using IETF language tags following the BCP 47 standard , such as en or en-GB. The Language subtag lookup tool can look up or verify these tags. This affects most formats, and controls hyphenation in PDF output when using LaTeX through babel and polyglossia or ConTeXt.

Use native pandoc Divs and Spans with the lang attribute to switch the language:. the base script direction, either rtl right-to-left or ltr left-to-right. For bidirectional documents, native pandoc span s and div s with the dir attribute value rtl or ltr can be used to override the base direction in some output formats. This may not always be necessary if the final renderer e. the browser, when generating HTML supports the Unicode Bidirectional Algorithm. To override or extend some CSS for just one document, include for example:.

These affect HTML output when producing slide shows with pandoc. All reveal. js configuration options are available as variables. To turn off boolean flags that default to true in reveal. js, use 0. These variables change the appearance of PDF slides using beamer. These variables control the visual aspects of a slide show that are not easily controlled via templates. Pandoc uses these variables when creating a PDF with a LaTeX engine.

Instead of using this option, KOMA-Script can adjust headings more extensively:. option for document class, e.

oneside ; repeat for multiple options:. option for geometry package, e. option for hyperref package, e. options for package used as fontfamily ; repeat for multiple options. For example, to use the Libertine font with proportional lowercase old-style figures through the libertinus package:.

options to use with mainfont , sansfont , monofont , mathfont , CJKmainfont in xelatex and lualatex. Allow for any choices available through fontspec ; repeat for multiple options. For example, to use the TeX Gyre version of Palatino with lowercase figures:.

These variables function when using BibLaTeX for citation rendering. Pandoc uses these variables when creating a PDF with ConTeXt. Pandoc uses these variables when creating a PDF with wkhtmltopdf. The --css option also affects the output. Pandoc sets these variables automatically in response to options or document contents; users can also modify them.

These vary depending on the output format, and include the following:. source and destination filenames, as given on the command line. sourcefile can also be a list if input comes from multiple files, or empty if input is from stdin. You can use the following snippet in your template to distinguish them:. Similarly, outputfile can be - if output goes to the terminal. If you need absolute paths, use e. The behavior of some of the readers and writers can be adjusted by enabling or disabling various extensions.

The markdown reader and writer make by far the most use of extensions. In the following, extensions that also work for other formats are covered.

Note that markdown extensions added to the ipynb format affect Markdown cells in Jupyter notebooks as do command-line options like --atx-headers. Interpret straight quotes as curly quotes, as em-dashes, -- as en-dashes, and as ellipses. Note: If you are writing Markdown, then the smart extension has the reverse effect: what would have been curly quotes comes out straight.

If smart is disabled, then in reading LaTeX pandoc will parse these characters literally. In writing LaTeX, enabling smart tells pandoc to use the ligatures when possible; if smart is disabled pandoc will use unicode quotation mark and dash characters. A heading without an explicitly specified identifier will be automatically assigned a unique identifier based on the heading text.

These rules should, in most cases, allow one to determine the identifier from the heading text. The exception is when several headings have the same text; in this case, the first will get an identifier as described above; the second will get the same identifier with -1 appended; the third with -2 ; and so on.

These identifiers are used to provide link targets in the table of contents generated by the --toc --table-of-contents option. They also make it easy to provide links from one section of a document to another. A link to this section, for example, might look like this:. Note, however, that this method of providing links to sections works only in HTML, LaTeX, and ConTeXt formats. This allows entire sections to be manipulated using JavaScript or treated differently in CSS.

Accents are stripped off of accented Latin letters, and non-Latin letters are omitted. Emojis are replaced by their names. However, they can also be used with HTML input. This is handy for reading web pages formatted using MathJax, for example. By default, this is disabled for HTML input. This means that. In Markdown output, code blocks with classes haskell and literate will be rendered using bird tracks, and block quotations will be indented one space, so they will not be treated as Haskell code.

In restructured text output, code blocks with class haskell will be rendered using bird tracks. In LaTeX input, text in code environments will be parsed as Haskell code. In LaTeX output, code blocks with class haskell will be rendered inside code environments.

In HTML output, code blocks with class haskell will be rendered with class literatehaskell and bird tracks. reads literate Haskell source formatted with Markdown conventions and writes ordinary HTML without bird tracks. writes HTML with the Haskell code in bird tracks, so it can be copied and pasted as literate Haskell source. Note that GHC expects the bird tracks in the first column, so indented literate code blocks e. inside an itemized environment will not be picked up by the Haskell compiler.

Links to headings, figures and tables inside the document are substituted with cross-references that will use the name or caption of the referenced item. The original link text is replaced once the generated document is refreshed. Text in cross-references is only made consistent with the referenced item once the document has been refreshed. Links to headings, figures and tables inside the document are substituted with cross-references that will use the number of the referenced item.

The original link text is discarded. Numbers in cross-references are only visible in the final document once it has been refreshed. When converting from docx, read all docx styles as divs for paragraph styles and spans for character styles regardless of whether pandoc understands the meaning of these styles. This can be used with docx custom styles. Disabled by default. In the muse input format, this enables Text::Amuse extensions to Emacs Muse markup. In the ipynb input format, this causes Markdown cells to be included as raw Markdown blocks allowing lossless round-tripping rather than being parsed.

Use this only when you are targeting ipynb or a markdown-based output format. When the citations extension is enabled in org , org-cite and org-ref style citations will be parsed as native pandoc citations. When citations is enabled in docx , citations inserted by Zotero or Mendeley or EndNote plugins will be parsed as native pandoc citations.

Otherwise, the formatted citations generated by the bibliographic software will be parsed as regular text. As in Org Mode, enabling this extension allows lowercase and uppercase alphabetical markers for ordered lists to be parsed in addition to arabic ones.

These elements are not influenced by CSL styles, but all information on the item is included in tags. In the context output format this enables the use of Natural Tables TABLE instead of the default Extreme Tables xtables. Natural tables allow more fine-grained global customization but come at a performance penalty compared to extreme tables.

This document explains the syntax, noting differences from original Markdown. Extensions can be enabled or disabled to specify the behavior more granularly. They are described in the following. See also Extensions above, for extensions that work also on other formats. Whereas Markdown was originally designed with HTML generation in mind, pandoc is designed for multiple output formats. Thus, while pandoc allows the embedding of raw HTML, it discourages it, and provides other, non-HTMLish ways of representing important document elements like definition lists, tables, mathematics, and footnotes.

A paragraph is one or more lines of text followed by one or more blank lines. Newlines are treated as spaces, so you can reflow your paragraphs as you like. If you need a hard line break, put two or more spaces at the end of a line.

A backslash followed by a newline is also a hard line break. Note: in multiline and grid table cells, this is the only way to create a hard line break, since trailing spaces in the cells are ignored.

The heading text can contain inline formatting, such as emphasis see Inline formatting , below. An ATX-style heading consists of one to six signs and a line of text, optionally followed by any number of signs. The number of signs at the beginning of the line is the heading level:. Original Markdown syntax does not require a blank line before a heading. Pandoc does require this except, of course, at the beginning of the document.

The reason for the requirement is that it is all too easy for a to end up at the beginning of a line by accident perhaps through line wrapping. Consider, for example:. Many Markdown implementations do not require a space between the opening s of an ATX heading and the heading text, so that 5 bolt and hashtag count as headings. With this extension, pandoc does require the space. Headings can be assigned attributes using this syntax at the end of the line containing the heading text:. Thus, for example, the following headings will all be assigned the identifier foo :.

This syntax is compatible with PHP Markdown Extra. Identifiers are used for labels and link anchors in the LaTeX, ConTeXt, Textile, Jira markup, and AsciiDoc writers. Headings with the class unnumbered will not be numbered, even if --number-sections is specified. A single hyphen - in an attribute context is equivalent to. unnumbered , and preferable in non-English documents. If the unlisted class is present in addition to unnumbered , the heading will not be included in a table of contents.

Currently this feature is only implemented for certain formats: those based on LaTeX and HTML, PowerPoint, and RTF.

Pandoc behaves as if reference links have been defined for each heading. So, to link to a heading. If there are multiple headings with identical text, the corresponding reference will link to the first one only, and you will need to use explicit links to link to the others, as described above. Explicit link reference definitions always take priority over implicit heading references. So, in the following example, the link will point to bar , not to foo :.

Markdown uses email conventions for quoting blocks of text. Among the block elements that can be contained in a block quote are other block quotes. That is, block quotes can be nested:. Original Markdown syntax does not require a blank line before a block quote. A block of text indented four spaces or one tab is treated as verbatim text: that is, special characters do not trigger special formatting, and all spaces and line breaks are preserved.

For example,. The initial four space or one tab indentation is not considered part of the verbatim text, and is removed in the output. In addition to standard indented code blocks, pandoc supports fenced code blocks.

These begin with a row of three or more tildes ~ and end with a row of tildes that must be at least as long as the starting row. Everything between these lines is treated as code. No indentation is necessary:. Like regular code blocks, fenced code blocks must be separated from surrounding text by blank lines.

If the code itself contains a row of tildes or backticks, just use a longer row of tildes or backticks at the start and end:. Here mycode is an identifier, haskell and numberLines are classes, and startFrom is an attribute with value Some output formats can use this information to do syntax highlighting. Currently, the only output formats that use this information are HTML, LaTeX, Docx, Ms, and PowerPoint. If highlighting is supported for your output format and language, then the code block above will appear highlighted, with numbered lines.

To see which languages are supported, type pandoc --list-highlight-languages. Otherwise, the code block above will appear as follows:. The numberLines or number-lines class will cause the lines of the code block to be numbered, starting with 1 or the value of the startFrom attribute.

The lineAnchors or line-anchors class will cause the lines to be clickable anchors in HTML output. To prevent all highlighting, use the --no-highlight flag. To set the highlighting style, use --highlight-style. For more information on highlighting, see Syntax highlighting , below. A line block is a sequence of lines beginning with a vertical bar followed by a space. The division into lines will be preserved in the output, as will any leading spaces; otherwise, the lines will be formatted as Markdown.

This is useful for verse and addresses:. The lines can be hard-wrapped if needed, but the continuation line must begin with a space. Inline formatting such as emphasis is allowed in the content, but not block-level formatting such as block quotes or lists. This syntax is borrowed from reStructuredText. A bullet list is a list of bulleted list items.

Here is a simple example:. The bullets need not be flush with the left margin; they may be indented one, two, or three spaces. The bullet must be followed by whitespace. A list item may contain multiple paragraphs and other block-level content. However, subsequent paragraphs must be preceded by a blank line and indented to line up with the first non-space content after the list marker. Exception: if the list marker is followed by an indented code block, which must begin 5 spaces after the list marker, then subsequent paragraphs must begin two columns after the last character of the list marker:.

List items may include other lists. In this case the preceding blank line is optional. The nested list must be indented to line up with the first non-space character after the list marker of the containing list item. However, if there are multiple paragraphs or other blocks in a list item, the first line of each must be indented. Ordered lists work just like bulleted lists, except that the items begin with enumerators rather than bullets. In original Markdown, enumerators are decimal numbers followed by a period and a space.

The numbers themselves are ignored, so there is no difference between this list:. Unlike original Markdown, pandoc allows ordered list items to be marked with uppercase and lowercase letters and roman numerals, in addition to Arabic numerals. List markers may be enclosed in parentheses or followed by a single right-parenthesis or period. They must be separated from the text that follows by at least one space, and, if the list marker is a capital letter with a period, by at least two spaces.

Pandoc also pays attention to the type of list marker used, and to the starting number, and both of these are preserved where possible in the output format.

Thus, the following yields a list with numbers followed by a single parenthesis, starting with 9, and a sublist with lowercase roman numerals:. Pandoc will start a new list each time a different type of list marker is used. So, the following will create three lists:.

Pandoc supports definition lists, using the syntax of PHP Markdown Extra with some extensions. Each term must fit on one line, which may optionally be followed by a blank line, and must be followed by one or more definitions.

A definition begins with a colon or tilde, which may be indented one or two spaces. A term may have multiple definitions, and each definition may consist of one or more block elements paragraph, code block, list, etc. The body of the definition not including the first line should be indented four spaces. If you leave space before the definition as in the example above , the text of the definition will be treated as a paragraph. For a more compact definition list, omit the space before the definition:.

Note that space between items in a definition list is required. The special list marker can be used for sequentially numbered examples. The numbered examples need not occur in a single list; each new list using will take up where the last stopped. So, for example:. Note: continuation paragraphs in example lists must always be indented four spaces, regardless of the length of the list marker.

This is because example labels tend to be long, and indenting content to the first non-space character after the label would be awkward. Here pandoc like other Markdown implementations will treat { my code block } as the second paragraph of item two, and not as a code block. We strongly recommend that horizontal rules be separated from surrounding text by blank lines.

If a horizontal rule is not followed by a blank line, pandoc may try to interpret the lines that follow as a YAML metadata block or a table. Four kinds of tables may be used. The first three kinds presuppose the use of a fixed-width font, such as Courier. The fourth kind can be used with proportionally spaced fonts, as it does not require lining up columns.

A caption may optionally be provided with all 4 kinds of tables as illustrated in the examples below. A caption is a paragraph beginning with the string Table: or just : , which will be stripped off. It may appear either before or after the table. The header and table rows must each fit on one line. Column alignments are determined by the position of the header text relative to the dashed line below it: 3. The column header row may be omitted, provided a dashed line is used to end the table.

When the header row is omitted, column alignments are determined on the basis of the first line of the table body. So, in the tables above, the columns would be right, left, center, and right aligned, respectively. Multiline tables allow header and table rows to span multiple lines of text but cells that span multiple columns or rows of the table are not supported.

Here is an example:. In multiline tables, the table parser pays attention to the widths of the columns, and the writers try to reproduce these relative widths in the output.

So, if you find that one of the columns is too narrow in the output, try widening it in the Markdown source. There are two basic ways to be discovered. You can have them come to you, or you can go to them. In today's social media-centric world, Instagram is being used by more and more talent scouts.

The best modeling agencies are looking at Instagram profiles to help them find new talent. Remember that as a model, you are marketing yourself. Therefore, you need to exude professionalism, especially online. Instagram and other social media platforms are often used by talent scouts to look for talent and therefore it is a good idea to set up your social media profiles in a way that attracts the right kind of attention.

You can use Instagram and social media to your advantage. It doesn't have to be all work-related, but make sure your online presence communicates the real you. If you have worked with production companies or advertising agencies on projects, do add them to your model portfolio.

The scouts will be looking at it, so make sure there's nothing there you don't want them to see! Setting up a modeling website can be another easy way of marketing yourself. You can link your modeling portfolio website on your social media channels.

This can be helpful in redirecting scouts and agencies to where you want them to be and also displays a professionalism and commitment to modeling as a profession. If you want to get where you want then you will have to put in your own effort and do some research.

Research is always helpful because it helps you understand how the industry works, what are the reputable talent scouts and agencies in your area and how you can approach them. If you have already done your research and are knowledgeable about where to look, who to go to and what to do, you are also less likely to be misled or scammed by fake talent scouts or fraudsters. Many smaller agencies have open calls throughout the week. Follow their instructions carefully.

Bring the recommended photographs and paperwork, be professional, and be courteous. Remember, it's not just about how you look in front of the camera but also about how trainable and personable you are. Take a look at some of the average model salaries in to understand what you should be looking for when it comes to payments!

Almost all commercial modeling agencies accept online submissions from models. This is a great opportunity to put yourself out there directly without having to go through a middle man or waiting to be discovered by accident. You'll be expected to have a few photographs and maybe a portfolio. Remember that modeling portfolios are not just a collection of photos. You need to put some thought into setting them up.

Here is a concise and helpful guide to becoming a model that can be the starting point for your research into the modeling industry! Many agencies will also want to see your Instagram or Facebook profiles, if you use those to market yourself which you should be doing! So, make sure to put in some effort into curating your social media channels when you are actively trying to land modeling jobs.

Most agencies want to see the "natural" you. They want snapshots with natural poses and little or no makeup. Simple hair styling and a basic outfit like jeans and white t-shirt are recommended as well.

If you are submitting to an agency online via their web form or email, double and triple check their requirements whether it is one of the good modeling agencies for beginners. Many agencies spell out the sort of photographs they're looking for and their current needs in terms of models.

Here is a list of hair stylist portfolio website examples for your use. While you can get away with not having professional photographs, your online portfolio website should look as professional as possible. How do you create a beautiful, professional modeling portfolio online? Well, Pixpa makes it easy.

Creating a modeling portfolio on Pixpa is easy, accessible and most of all affordable. You can check out some of these amazing examples of model portfolios built on Pixpa for some inspiration. Also take a look at these 25 top reasons why Pixpa is the portfolio builder of choice for fashion industry professionals around the world!

Unfortunately, in the process of marketing yourself to agencies, you may be approached by nefarious individuals claiming to be talent scouts. In an industry where many new models are waiting for their big break, unscrupulous individuals have figured out ways to take. If a talent scout approaches you, always double check their credentials and check with the agency with which they work. As always, if it's too good to be true, it probably is. The agencies know this is a problem, and there is never any harm in checking up on who you are working with.

It is also helpful to be aware of how different agencies scout for their models and what the process actually looks like. This will help you keep an eye out for anything unusual that may be a red flag. Storm Los Angeles — An industry trendsetter, Storm represents both model and artistic talent.

According to their website, they have represented Kate Moss and Cindy Crawford, among others. It is one of the top modeling agencies in America. Q Management — A boutique agency with global ambitions, Q was founded in Their clients have included Chanel, Lancome, Revlon, Gucci, Apple, Nike, and many others. Q has offices in both LA and New York.

LA Models — Founded in the s, LA Models is one of the most powerful agencies in the world. They claim to be the largest modeling agency on the west coast!

Two Management — 2M is an LA-based agency with international reach. They have offices in Copenhagen and Toronto. They are a boutique agency specializing in high-end advertising and catalog.

State -- State has offices in New York and LA. They have many departments, including lifestyle and fitness models, prop stylists, and grooming artists. Nous Model Management — Nous focuses on female models for print and fashion. They are always looking for women ages 14 to 21, and they hold open calls and take web submissions. DT Model Management - Founded in , by David Todd, DT Model Management is one of the leading boutique modeling agencies, bringing together the world's top talent and brands.

Models and Talent — Boom! represents models, actors, lifestyle models, musicians, and even pets. They are franchised by the Screen Actors Guild SAG and the American Federation of Television and Radio Artists AFTRA. Look Model Agency — Look was established in with an attention to detail and superior service to ensure the success of their models and the happiness of their clients. They hold an open call on Mondays and also take web submissions. The Blackwell Files — The Blackwell Files focuses on "real people" models to meet the needs of commercial clients and photographers worldwide.

Past clients include GoPro, Airbnb, Uber, Facebook, UPS, BMW, and CNN, among many others. They also have a "Pro Talent" division for established models. Marla Dell Talent — MDT is a SAG-AFTRA franchised agency for models, actors, and kids. They work with hundreds of Bay Area and international clients like Levis, Old Navy, Pixar, Nickelodeon, and Disney. Scout Model and Talent Agency — Scout has offices in both LA and San Fransisco.

They do not do open calls, but they do accept discovery submissions online. JE Model Management — JE represents a broad range of talent from fashion and lifestyle models to theatrical and film actors.

They accept submissions online. They have many top fashion designers who mastered their craft from some of the top fashion design schools in the country. Stars Management — Like many West Coast agencies, Stars manages everyone from models to athletes to influencers. They have divisions for Latin, fitness, voice-over artists, and creative artists of all sorts. RAE Model and Talent Agency — RAE Agency not only represents male and female models in fashion, lifestyle, commercial film and print, but they are the only agency to represent dancers in the San Francisco Bay Area.

Some of their clients include Levi's, Athleta, FitBit, Facebook, Google, and Toyota. With talents including makeup artists, photographers, musicians, and cirque performers, RAE Agency provides all needs for live events and entertainment.

They are not currently accepting submissions, but check often as this is subject to change. Models, Inc — Models, Inc. has talent of all ethnicities and sizes. They do not hold open calls but accept submissions via email.

Donna Baldwin Agency - Donna Baldwin's roster includes models, actors, voice and stylist talent. Models are placed with Revolution Management. According to their website, they are Denver's largest and most respected talent agency. Eden Talent Agency — Eden represents models for the Colorado area to local clients. They have divisions for men, women, kids, and families. They are actively looking for new talent and take online submissions.

Maximum Talent — Now part of The Block Agency out of Nashville, Maximum Talent represents a variety of artists including models. John Casablancas Agency — John Casablancas has locations all over the country, including a few international locations.

The website includes an online audition. Wilhelmina Models, Denver — Wilhelmina Models is a world class modeling agency which was founded in by Dutch-American model Wilhelmina Cooper. Wilhelmina Models gives their models access to a select and exclusive clientele and represents models like Sora Choi and celebrities like Nicki Minaj and Billie Eilish. Caroline Gleason Models — CGM represents models with specific divisions for fashion, fitness, and influencers.

They accept web submissions. Posche Models International — Posche has an office both in Miami and in New York, along with a long list of cities worldwide. They accept online model submissions but be sure to check their website for their specific needs. The Green Agency — This boutique agency located in Miami Beach represents English and Spanish language models, actors, and voice over artists. They have an online discovery form but do not hold open calls.

Check their website for their industry blog, Tammy Talks. FRONT Management — FRONT represents the freshest faces in women fashion, men, children, talent, and celebrities, including plus sizes and big and tall. Clients have included Versace, Ralph Lauren, and many other top brands. BMG Models — BMG has offices all over the country and represents fashion, commercial, and lifestyle models, male and female as well as children.

They hold open calls at their Atlanta office every Wednesday for models 13 years and older. MP Management — Open call every Wednesday, refer to their website for more details. They have offices all over the world and represent some of the world's most talented models.

MP Management is present in Miami, Chicago, and Los Angeles, apart from Atlanta. Stewart Talent — Steward is a varied agency that represents not only models but comedians, actors, directors, and musicians as well.

They have more offices in Atlanta, New York, and LA. Online submissions can be made through their website. Lily's Talent Agency — Lily's roster includes models, actors, artists, and voice-over specialists.

They take submissions online. Lily's has over 40 years of experience in the industry. They accept online submissions.

Shirley Hamilton Talent — Shirley Hamilton represents a diverse group of models including men, women, kids and teens, and non-binary gender models. They accept submissions via mail, see their website for more specific requirements. BMG Models — BMG models is a top modeling agency with offices in Chicago, Los Angeles, Miami, Orlando, Atlanta and New York.

Their diverse portfolio includes youth models, male, female and non-binary models. The Rock Agency - The Rock Agency is a modeling agency based in Chicago that represents a diverse portfolio of models, influencers, artists and actors.

They also represent plus sized models, child models and fitness models. APM New York - APM is not just a model agency but brings together the creative expertise of leading influencers and strategists in the industry. Ford Models — According to Forbes. com, Ford Models is the most influential agency in the world. Ford has offices all over North America and the world and their clients are represented by all the major fashion houses and major publications.

It is also one of the top male modeling agencies in the World. Next Models NYC — Next also has offices in LA, Miami, Paris, London, and Milan. A truly international agency, their clients include GQ, Vogue, and Calvin Klien, among others.

Contact the nearest office for open calls or apply online. ONE Management — According to their website, ONE focuses on creative elements of music, film, and talent with an emphasis on diversity. Elite Model Management - Elite claims to have created the Supermodel. They have offices in New York as well as LA and Miami.

Major Model Management — Major, began life in Milan and expanded to New York in , establishing them as one of the most popular modeling agencies in the world. IMG Models — Like the other commercial modeling agencies in New York, IMG is an international company with offices around the world.

They also focus on talent training, with their summer Fashion Camp and Model Prep mentorship programs.

A federal appeals court struck a major blow against the Consumer Financial Protection Bureau with a finding that its funding mechanism is unconstitutional. The decision is likely to be challenged, setting up a major fight for the future of the top U. consumer-finance watchdog. As set up under the Dodd-Frank Act, the CFPB is funded by the Federal Reserve rather than congressional appropriations. But Republicans have chafed at what they view as anti-business practices and a lack of oversight.

The structure has been the target of legal challenges before. Democratic Sen. Elizabeth Warren, who oversaw the CFPB's creation , responded to the ruling on Twitter, writing that "extreme right-wing judges are throwing into question every rule the CFPB enforces to protect consumers and businesses alike.

Republican Sen. Cynthia Lummis, meanwhile, said the CFPB "needs the same Congressional oversight as every other government agency. The CFPB is expected to challenge the ruling, though it has yet to confirm that. To that point, the CFPB issued new guidance to credit-reporting agencies Thursday about omitting what it called "junk data" from credit reports. The CFPB has faced several challenges to its existence over its 11 years in business.

In , the Supreme Court ruled that restrictions on when its leader can be removed were unconstitutional, but rejected a plea to strike down the agency as a whole. The most significant fear from progressive lawmakers and consumer groups is that the CFPB could see its resources chopped if left to the whims of Congress. Public Interest Research Group.

The new court decision comes as the CFPB, under Biden-appointed director Rohit Chopra , has taken a more aggressive stance toward the financial industry than his Trump administration predecessors. Chopra has also promised scrutiny over the way large technology companies are expanding into financial services. But the agency is also taking up initiatives with fintech industry support, including finally setting up open-banking rules to guide data-sharing between financial institutions and tech companies.

What the ruling means for the fintech industry remains to be seen. While regulators and companies can occasionally come into conflict, the agencies also serve an important role in providing rules of the road and certainty for business models. His decisions on major cryptocurrency cases have quoted "The Big Lebowski," "SNL," and "Dr. The ways Zia Faruqui right has weighed on cases that have come before him can give lawyers clues as to what legal frameworks will pass muster.

Veronica Irwin vronirwin is a San Francisco-based reporter at Protocol covering fintech. Previously she was at the San Francisco Examiner, covering tech from a hyper-local angle. Before that, her byline was featured in SF Weekly, The Nation, Techworker, Ms.

Magazine and The Frisc. One hundred percent electronic. The author is Magistrate Judge Zia Faruqui. His rulings have made smart references to "The Big Lebowski," "Dr. Strangelove," and "SNL" parodies of the McLaughlin Group. Rather, before taking the judge position Faruqui was one of a group of prosecutors in the U. There, Faruqui prosecuted cases that involved terrorism, child pornography, and weapons proliferation.

But the ways Faruqui has weighed on cases that have come before him can give lawyers clues as to what legal frameworks will pass muster. Crypto lawyers have drawn on his prior decisions in the context of the Tornado Cash sanctions, for example. Faruqui spoke with Protocol about the power of his position, and what people in crypto should understand about the law. There was another prosecutor, Christopher Brown — you know, the other Chris Brown — and he had taken an interest in this when we were both working on financial crime in the Washington, D.

Our U. attorney at the time, Jessie Liu, had this idea of using financial investigations in a way that was not limited to just white collar crime, or even narcotics cases, but also for cyber investigations, to national security investigations, and in civil cases. A lot of what we were investigating was related to following the money and so she wanted us to be this multidisciplinary unit.

But I have to say, we started with the goal of wanting to make T-shirts, and we never did that while I was there. Your decisions have also gotten a lot of attention. We're public servants! And in order for the public to have faith and trust us, they need to understand what it is that we're doing and what we're saying.

Humor is one way, not using a lot of legalese is another way. But I think there are many judges who are trying to make the judiciary more accessible, and so people can see the work that we're doing and understand what we're doing and then make their own opinions about if it's right or wrong.

But at least, if it's understandable, then there's still some trust in the framework even if you don't agree with how our decisions are stated. We are ambassadors for the judiciary to the people in our courtroom — it's a very frightening proposition being in court if you've been federally charged, and people have perceptions of what they think can happen there in terms of fairness or unfairness.

But then it goes far beyond that. I do a lot of work with the Administrative Office of the Courts, our central body doing civic education and outreach to high schools, because I want college and high school students and law students to have an experience where they get a chance to talk to a judge.

So my goal is certainly not just getting to one segment of the population, but it's making decisions accessible to whoever's interested in reading them. What has it felt like for you switching from that prosecutor role to magistrate judge?

Lawyers are trying to take different frameworks from one topic and apply them to another, and then convince you that that is or is not appropriate. Being a judge is very different because you're evaluating what the parties present to you as the applicable legal frameworks, and deciding how new, groundbreaking technology fits into legal frameworks that were written 10 or 15 years ago. But that's not really a place where judges get involved in saying how it ought to be regulated.

There was, famously, a judge in Florida that said cryptocurrency was not money because you couldn't put it underneath your bed, and that's what money is: something that is tangible. So different people are going to have different decisions.

And that's not just true for crypto, but also other areas of the law. Your best-known crypto decisions strongly assert that crypto is traceable. One way people try to make it less traceable is with mixers, and Tornado Cash was sanctioned by OFAC not too long ago. Do you think the legal reasoning was sound enough for similar sanctions to be applied to other mixers, or decentralized exchanges? I don't know. I think there's been some discussion that people may litigate some of these things, so I can't comment, because those frequently do come to our courthouse.

And I think there are certainly people opining on that, yes and no. So much of what judges do is that we rely on the parties that are before us to tell us what's right and what's wrong. And then, you know, obviously, they'll have different views, and we make a decision based on what people say in front of us. Are you aware that some legal analysis of the Tornado Cash sanctions references your recent decision in a cryptocurrency sanctions case?

That's what good lawyers will always do. Even legislators might look at that as they try to think about where the gaps are. As a prosecutor I had a case where we sued three Chinese banks to give us their bank records, and it had never been done before. Afterwards, Congress passed a new law, using the decisions from judges in this court and the D. circuit court, the court above us.

So I'm sure people look at prior decisions and try to apply them in the ways that they want to. Are there any misconceptions about how the law applies to crypto, or how your decisions should be interpreted, that you wish you could get across? One misconception is that the judges can't understand this technology — we can.

People have these views in two extremes. The lawyer's fundamental job is to take super complex and technical things and boil them down to very easily digestible arguments for a judge, for a jury, or whoever it might be. The financial technology transformation is driving competition, creating consumer choice, and shaping the future of finance. Hear from seven fintech leaders who are reshaping the future of finance, and join the inaugural Financial Technology Association Fintech Summit to learn more.

Financial technology is breaking down barriers to financial services and delivering value to consumers, small businesses, and the economy.

Fintech puts American consumers at the center of their finances and helps them manage their money responsibly. From payment apps to budgeting and investing tools and alternative credit options, fintech makes it easier for consumers to pay for their purchases and build better financial habits. Fintech also arms small businesses with the financial tools for success, including low-cost banking services, digital accounting services, and expanded access to capital. We advocate for modernized financial policies and regulations that allow fintech innovation to drive competition in the economy and expand consumer choice.

Spots are still available for this hybrid event, and you can RSVP here to save your seat. Join us as we discuss how to shape the future of finance.

In its broadest sense, Open Banking has created a secure and connected ecosystem that has led to an explosion of new and innovative solutions that benefit the customer, rapidly revolutionizing not just the banking industry but the way all companies do business.

Target benefits are delivered through speed, transparency, and security, and their impact can be seen across a diverse range of use cases. Sharing financial data across providers can enable a customer individual or business to have real-time access to multiple bank accounts across multiple institutions all in one platform, saving time and helping consumers get a more accurate picture of their own finances before taking on debt, providing a more reliable indication than most lending guidelines currently do.

Companies can also create carefully refined marketing profiles and therefore, finely tune their services to the specific need. Open Banking platforms like Klarna Kosma also provide a unique opportunity for businesses to overlay additional tools that add real value for users and deepen their customer relationships.

The increased transparency brought about by Open Banking brings a vast array of additional benefits, such as helping fraud detection companies better monitor customer accounts and identify problems much earlier. The list of new value-add solutions continues to grow.

The speed of business has never been faster than it is today. For small business owners, time is at a premium as they are wearing multiple hats every day. Macroeconomic challenges like inflation and supply chain issues are making successful money and cash flow management even more challenging. This presents a tremendous opportunity that innovation in fintech can solve by speeding up money movement, increasing access to capital, and making it easier to manage business operations in a central place.

Fintech offers innovative products and services where outdated practices and processes offer limited options. For example, fintech is enabling increased access to capital for business owners from diverse and varying backgrounds by leveraging alternative data to evaluate creditworthiness and risk models.

where FORMAT is replaced with the name of the format. If you need absolute paths, use e. A pipe transforms the value of a variable or partial. Note that, if --resource-path is specified, the working directory must be explicitly listed or it will not be searched. Sherry Bebitch Jeffe Professor Sol Price School of Public Policy University of Southern California. Major Model Management — Major, began life in Milan and expanded to New York in , establishing them as one of the most popular modeling agencies in the world.

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