In my time covering the Southwest’s commercial growth, few years have felt as quietly seismic as this one. Developers I’ve spoken with across Arizona and New Mexico aren’t just rethinking skylines—they’re rethinking how those buildings come to life, and what keeps them running once they’re filled. The consensus is clear: real estate is going high-tech, and fast.

I recently sat down with local business owners, developers, and tech vendors to explore how innovation is reshaping commercial real estate from the ground up—and sometimes, from several hundred feet above it.

1. Drone Technology: Eyes in the Sky, and Infrared Too

If you’ve driven past any active build sites lately, odds are you’ve noticed more drones buzzing through the air than hardhats on the ground. I caught up with John Ott, founder of Desert Drones, a drone and aerial photography company that works with real estate developers across the Southwest.

“We’ve definitely seen a surge in drone projects tied to commercial development,” Ott told me. “A lot of our work now includes infrared scanning to detect roofing issues or heat leaks before construction is even complete.”

Drones are quickly replacing traditional survey teams for everything from site planning to construction progress reports. With capabilities like high-resolution 3D modeling and thermal imaging, these aerial tools deliver precise, cost-effective data in hours—data that used to take days, or even weeks.

From a developer’s standpoint, drones offer a dual benefit: faster decision-making and smarter risk mitigation. They also allow project managers to monitor progress without ever stepping onto the jobsite, which has made remote oversight more feasible than ever.

2. The Rise of Smart Security: Access Control Gets an Upgrade

As more developers design multi-tenant facilities and flexible office spaces, integrated security systems are no longer optional—they’re essential.

Brian Pessin, CEO of Cabling Solutions Group, which installs security cameras and provides data cabling for commercial developers, gave me a candid look into how the industry has shifted.

“Tons of our current jobs are focused on commercial access control and security camera systems,” said Pessin. “Clients want to manage everything remotely now—access permissions, surveillance, even intrusion alerts—all from one cloud dashboard.”

These systems aren’t just convenient—they’re sophisticated. Many now use AI-powered behavioral analytics, and real-time threat detection. In today’s climate, where both cybersecurity and physical security are top-of-mind, these intelligent platforms help building owners deliver peace of mind to tenants while staying compliant with local codes.

3. Smart Buildings: Efficiency with Cloud and AI

AI and cloud software systems drastically improve efficiency in the building management aspect of development. Per Sensgreen, everything from security, electrical, HVAC systems, and more have been improved via this technology.

This trend is visible on the ground in Tucson, where Jordan Benjamin of Done Rite Services, an air conditioning, plumbing, and electrical company in Tucson, has noticed the same shift:

“We’re installing more smart commercial HVAC systems than ever before,” Benjamin shared. “Clients want remote monitoring, automation, and real-time energy data to cut costs and reduce service calls—it’s becoming the new standard.”

From adaptive lighting to AI-optimized heating and cooling, smart buildings are quickly becoming the rule rather than the exception—offering developers and tenants better comfort, lower energy use, and long-term value.

4. AI Assisted Property Management

AI isn’t new to real estate, but it’s more capable than ever. Property managers are using it for everything from rent collection and tenant support to predictive analytics that forecast building wear-and-tear.

Machine learning models analyze trends across energy usage, tenant complaints, and occupancy patterns to inform future upgrades. Even investment teams are using AI to identify ideal sites for expansion or acquisition.

One Phoenix-based developer told me their leasing process now incorporates chatbots, AI-powered document review, and virtual assistants—all reducing time-to-close for new tenants.

5. Virtual Reality: Touring Tomorrow’s Office Today

During a recent tech showcase in Scottsdale, I slipped on a VR headset and toured a speculative office space scheduled to break ground in 2026. I opened doors, changed wall colors, and even repositioned cubicles—all before a single concrete pour.

Virtual and augmented reality tools like these are becoming staples in pre-leasing campaigns and design charrettes. Brokers say they accelerate the sales cycle, while architects love the feedback loop VR offers—seeing clients react to a space before it’s built can refine final specs and reduce expensive change orders.

6. Blockchain & Smart Contracts: Smoother Deals, Fewer Middlemen

Though still early in adoption, blockchain is showing promise for commercial transactions. Smart contracts—self-executing agreements stored on a blockchain—cut through the legal red tape by automating lease execution, escrow payments, and title verification.

The result? Faster closings and reduced transaction costs.

While few local firms are fully onboard yet, several told me they’re exploring pilot programs in 2025, particularly for multi-party investment deals and fractional ownership platforms.

7. Data Is the New Blueprint

Big data is more than a buzzword in real estate—it’s a blueprint for smarter development. From heat maps showing tenant churn to historical data on foot traffic and demographic shifts, analytics tools are shaping everything from site selection to floor plan design.

Developers with access to granular insights can anticipate market shifts and adapt faster than competitors.

As one investor told me, “Gut instinct still matters, but these days, it’s best paired with a dashboard.”

Sources:

• https://www.linkedin.com/in/desertdronesllc/
• https://www.linkedin.com/in/brian-pessin/
• https://www.linkedin.com/in/jordan-benjamin-0783a5266/ 
• https://www.bgsf.com/post/explore-the-power-of-ai-in-commercial-real-estate-property-management
• https://sensgreen.com/building-management-system/

In 2025, supply chain complexities continue to loom large over the home services sector, with HVAC, solar, and window film industries facing distinct, yet interconnected, disruptions. These businesses must navigate regulatory shifts, rising costs, and geopolitical uncertainties while pursuing resilience and growth in an increasingly competitive market.

Window Film: Navigating Material Shortages

The Cost Squeeze on Windows & Film

Inflationary pressures hammer all sides of the window film business, from raw material procurement to labor and transportation. As a result, many manufacturers and installers are forced to either absorb higher costs, streamline their operations, or cautiously pass increases onto customers.

In an interview with Making the Number, the team at Total Protection Films, a window tinting company in Phoenix, balancing the increase cost without passing excessive price increases to consumers is a severe challenge.

“We are hoping things settle down soon so we can continue to provide our customers with the window tinting solutions they need at an affordable price point,” said Steve, a lead installer with the company.

Raw Material and Logistics Challenges

The window film industry finds itself similarly squeezed by raw material shortages. Key inputs such as polyethylene, polypropylene, and specialty resins have become harder to procure due to global demand surges, extreme weather events, and geopolitical unrest.

Meanwhile, logistical bottlenecks — from port congestion to rising freight costs — have turned material sourcing into a high-stakes chess match. Shipping delays and unpredictable delivery windows challenge even the most prepared suppliers and installers.

Industry Adaptations

To counter volatility, forward-thinking businesses are diversifying their supply chains, sourcing from multiple regions rather than relying on a single country. Additionally, digital supply chain management tools are becoming essential, enabling real-time tracking, inventory optimization, and predictive logistics planning.

The Broader Home Services Supply Chain Landscape

The broader home service market in 2025 is marked by persistent supply-demand imbalances, labor shortages, and escalating customer expectations. Inflation and volatile interest rates further exacerbate cost pressures, impacting project timelines and profitability.

Homeowners now demand not just speed and affordability, but sustainable and personalized solutions. This demand-supply mismatch creates mounting challenges across sectors while simultaneously birthing new opportunities for businesses agile enough to pivot and innovate.

HVAC: Transition and Turmoil

Refrigerant Regulations Spark Disruptions

The HVAC sector is undergoing a significant transformation, driven by regulatory mandates phasing out high-GWP refrigerants like R-410A. 2025 marks a major shift toward mildly flammable A2L refrigerants such as R-32 and R-454B. While these changes aim to cut environmental impact, they introduce immediate operational headaches: contractors must retrain technicians, adjust safety protocols, and secure new equipment compatible with updated standards.

Consequently, equipment availability is strained, and temporary gaps in technician training exacerbate delays.

Economic Pressures Intensify

Compounding regulatory challenges are inflation and persistent supply bottlenecks (ACHR News). Sourcing compatible parts, refrigerants, and compliant systems takes longer and costs more. These pressures ripple down to consumers, leading to price hikes and extended project timelines.

Bright Spots on the Horizon

Despite the turbulence, opportunities abound. Decarbonization incentives like those outlined in the Inflation Reduction Act are accelerating demand for high-efficiency HVAC systems (Workyard). Contractors who swiftly adapt to new standards and capitalize on government incentives can position themselves as leaders in the green energy movement (FieldAx).

Solar: Global Concentration Creates Fragility

Heavy Reliance on China

Nowhere is the vulnerability of concentrated supply chains more evident than in the solar industry. Despite efforts to diversify, the global solar PV supply chain in 2025 remains heavily reliant on China for polysilicon, wafers, cells, and modules.

Speaking with the team at Saguaro Solar, a solar company based on Tucson that serves all of Southern Arizona, we learned that tariffs and trade dynamics are expected to drastically increase cost of solar panels going into 2026 and beyond.

This concentration leaves solar projects exposed to geopolitical tensions, trade disputes, and tariff hikes. Indeed, price volatility has spiked, with solar panel costs up nearly 20% year-over-year, and project delays becoming an unfortunate norm.

Navigating Price Volatility and Policy Risks

The industry grapples with not just material shortages, but also the effects of expanding trade restrictions and import duties. Governments are responding by prioritizing supply chain resilience initiatives — from subsidizing domestic manufacturing to creating strategic reserves of critical materials.

While these policy shifts are promising, meaningful change is slow, and many solar installers are turning to creative financing options and diversified sourcing to mitigate risks.

Cross-Industry Challenges and Innovations

Inventory Management Woes

Inventory management has become a defining pain point across all home service sectors. Disruptions and demand volatility make it increasingly difficult to maintain optimal stock levels. Businesses are investing in automation and advanced inventory management systems to streamline procurement and fulfillment processes.

Positive Market Trends

Despite ongoing challenges, the future isn’t entirely bleak. Improving economic fundamentals — particularly declining inflation and interest rates — are expected to spur a rebound in home improvement spending. Furthermore, rising consumer demand for sustainable, energy-efficient solutions — such as smart home technologies and decarbonization upgrades — presents enormous growth potential.

Businesses that successfully integrate supply chain resilience, technological innovation, and sustainability into their models will emerge as industry leaders in the post-disruption economy.

Conclusion: Resilience as a Competitive Advantage

As we move through 2025, HVAC, window film, and solar businesses must grapple with an evolving and often unforgiving supply chain environment. Regulatory changes, material shortages, inflationary pressures, and geopolitical risks are not temporary hurdles but structural challenges requiring permanent strategic shifts.

Those who embrace diversification, digitization, and proactive supply chain management — while maintaining a focus on sustainability and customer-centric service — will “make the number” and then some.

With gold trading above $3,500 per ounce in early 2025, investors and analysts alike are asking: how much higher can it go? Depending on who you ask, gold may peak at $3,700 by year’s end—or rocket past $5,000 in the next two years. These projections reflect not just economic data, but a broader sense of uncertainty that’s fueling speculation, risk aversion, and strategic reallocation worldwide.

Institutional Forecasts for 2025 and Beyond

Goldman Sachs has set a baseline price target of $3,700 for 2025, citing continued economic stress, investor flight to safe havens, and weakening confidence in traditional fiat currencies (Business Insider). Meanwhile, J.P. Morgan projects gold will cross $4,000 by Q2 2026 if inflation persists and central banks maintain their aggressive buying patterns (Reuters).

Some independent analysts are even more bullish, pointing to macroeconomic instability, de-dollarization efforts, and geopolitical risk as fuel for a longer-term climb toward $5,000. These predictions are no longer outliers—they’re part of mainstream financial modeling scenarios.

The Role of Central Banks in Shaping Outlooks

Future pricing models are deeply intertwined with central bank behavior. Their increasing gold accumulation—detailed in our coverage of how central banks are quietly leading the bull market—continues to absorb global supply and reinforce price floors.

If emerging economies continue to offload dollar reserves and pivot to gold, it could establish a long-term pricing baseline above $3,000, with demand-driven surges pushing prices far higher during periods of global volatility.

Consumer Behavior as a Market Indicator

While institutional demand has dominated headlines, consumer sentiment also plays a role in shaping future expectations. We’ve already seen how rising gold prices are pushing buyers toward lab-grown diamonds and alternative jewelry, shifting the nature of gold’s perceived value from adornment to strategic asset.

This cultural shift, paired with rising interest in physical coin sales and digital gold-backed products, reflects the broadening base of retail investors entering the market—not just as collectors, but as macro-aware participants.

Bubble Warnings or Real Momentum?

Of course, not everyone sees $5,000 gold as inevitable. Detractors warn of bubble dynamics forming, pointing to speculative flows, gold ETF surges, and overly optimistic sentiment. A U.S. economic rebound, fiscal tightening, or stronger-than-expected Treasury yields could deflate prices as quickly as they rose. These cautionary views echo concerns raised in our earlier analysis of whether the current gold rally is sustainable or speculative.

Still, even the most conservative models suggest a future where gold comfortably holds above its historical average, cementing its relevance in both strategic reserves and personal portfolios.

Behind every bullish gold chart is a quiet but powerful force—central banks. While individual investors and market analysts dominate the media narrative, it’s the sustained, strategic purchases by monetary authorities that have helped push gold to over $3,500 per ounce in 2025. This behavior reflects deeper concerns about currency stability, sovereign debt, and long-term monetary positioning.

How Central Banks Became the Biggest Gold Buyers

In recent years, central banks have ramped up their gold acquisitions to a level not seen since the post-Bretton Woods era.

Just in January 2025 alone, net purchases reached 18 tonnes, signaling a continuation of institutional demand into the new year (Money Metals News). These are not speculative trades. They are long-range hedging strategies executed by nations wary of over-reliance on fiat currencies and anxious about the role of the U.S. dollar in a fragmented global order.

Motivations: A Shift Away from Dollar Dominance

Many central banks increasing their gold holdings are from emerging markets—China, Turkey, India, and Kazakhstan among them. Their goals vary, but all share one theme: diversification away from the U.S. dollar. As global trade shifts and bilateral settlement systems bypass the SWIFT network, gold offers a neutral, borderless store of value.

This trend coincides with the weakening confidence in U.S. Treasurys and fiat reserves in general, as previously outlined in our coverage of the rally pushing gold beyond $3,500. By holding more gold, central banks reduce their exposure to geopolitical leverage and inflationary erosion.

The Ripple Effect on Private Investors

Institutional gold buying doesn’t just tighten supply—it validates the asset’s long-term value in the eyes of private investors. As retail consumers adjust their expectations and behaviors, we’ve seen shifts in both investment and cultural contexts. In the jewelry sector, for example, high gold prices are already prompting a pivot to lab-grown diamonds and lighter materials, reshaping how precious metals are viewed and consumed.

At the same time, retail investors are reevaluating their asset allocation strategies. Gold-backed ETFs and physical coin holdings are gaining ground as hedges against systemic risk—a reflection of institutional logic trickling down into personal finance.

Will Central Banks Keep Buying?

Analysts believe the answer is yes, though the pace may moderate. As interest rates level out and inflation stabilizes in select economies, demand could soften—but not disappear. For central banks, gold represents a timeless hedge against long-term structural volatility, not just a cyclical play.

Whether gold stabilizes at its current level or accelerates toward future price targets of $4,000 or beyond may depend on how much more buying the public sector is willing to do—and how private markets follow their lead.

Conclusion

The central bank gold strategy is subtle but profound. It’s not about timing the market—it’s about anchoring it. And as more nations shift away from dollar hegemony, gold’s status as a reserve asset will only grow stronger. For investors, understanding this silent force is critical to navigating what comes next.

As gold prices breach the $3,500 per ounce mark, the effects are reverberating well beyond financial markets. In global jewelry hubs like Dubai and New York, retailers are watching a historic shift unfold: consumers are stepping away from heavy, traditional gold jewelry and leaning into modern alternatives like lab-grown diamonds and minimalist pieces. This evolution isn’t just aesthetic—it’s economic.

Gold’s Price Impact on Jewelry Demand

In 2024, global demand for gold jewelry fell 11%, led by a sharp 13% decline in the UAE’s famously gold-rich markets. According to a Reuters report, this downturn has left even long-established jewelers struggling as everyday consumers avoid high-karat pieces priced at premiums fueled by investment-grade bullion costs.

This growing hesitancy isn’t just about aesthetics. As explored in the broader context of gold’s rally to $3,500, the metal’s price surge is tightly linked to economic instability, central bank strategy, and inflation hedging—none of which favor the retail jewelry buyer.

The Rise of Lab-Grown Alternatives

In response, lab-grown diamonds are surging in popularity. The global lab-grown diamond market is expected to reach $28.3 billion in 2025, growing at over 10% annually. Younger consumers especially are driving this trend, attracted to the affordability, ethical transparency, and environmental appeal of man-made stones.

Leading retailers like Signet, Pandora, and even luxury designers are doubling down on lab-grown collections. According to Zadiam’s 2025 industry insights, customization and carbon-conscious branding are top purchase drivers, alongside rising gold costs pushing customers toward hybrid metals and lighter gold pairings.

Ethical Preferences Meet Economic Pressure

The move toward lab-created luxury isn’t just economic—it’s moral. Increasingly, consumers are evaluating the origin of their purchases. Driven Magazine notes that Gen Z buyers in particular demand transparency in sourcing, lower carbon footprints, and brands aligned with values. Lab-grown diamonds meet those criteria more easily than traditionally mined gems or large-format 22K gold chains.

Meanwhile, in the investment sector, the value of physical gold continues to climb as central banks steadily increase their gold reserves, compounding pressure on retail supply and pricing. The knock-on effect is making traditional gold jewelry less feasible for middle-income buyers, while enhancing its perception as a store of value rather than a style statement.

Long-Term Outlook: Redefining Jewelry Value

In some cultures, particularly across South Asia and the Middle East, gold jewelry remains culturally symbolic and financially significant. These markets may rebound if gold prices retreat. But in Western markets, the shift could prove lasting. Luxury in 2025 is increasingly defined by versatility, ethics, and personal branding—not just weight and karat.

Whether prices climb toward $4,500 or stabilize nearer current levels will likely dictate the trajectory. Institutional projections suggest a wide range of possible outcomes, as explored in our analysis of future gold price scenarios. Either way, the jewelry market is already adapting.

With gold more expensive than ever and consumer values in flux, the traditional jewelry industry is undergoing a fundamental transformation. Lab-grown diamonds and minimalist aesthetics are no longer fringe—they’re defining the mainstream. For retailers and investors alike, understanding this intersection of price pressure and cultural preference is key.

With gold prices climbing to all-time highs, many individuals are taking advantage of the opportunity by selling gold coins online to capitalize on the market. As gold breaches $3,500 per ounce—a record that marks a 30% surge year-to-date—investors are grappling with a fundamental question: is this momentum backed by real economic fundamentals, or are we witnessing the build-up of another speculative bubble?

The Drivers Behind the Gold Surge

A Perfect Storm of Economic Forces

Global inflation remains persistent, central banks are cautious, and geopolitical tensions are escalating. These factors are driving investors out of riskier assets and into historically safe havens like gold. Moreover, surging demand from both retail buyers and institutional holders is placing upward pressure on prices.

Unseen But Powerful: Central Banks

One major influence on this rally is the strategic accumulation of gold by central banks. Month after month, governments are stocking up on gold, signaling a long-term hedge against potential instability in fiat currencies. Institutional demand continues to shape the market as central banks steadily increase their gold reserves, reinforcing its position as a long-term strategic asset in times of monetary uncertainty.

Shift in Consumer Behavior

Beyond institutional action, consumer sentiment is also evolving. The high price of gold is also influencing purchasing behavior in the luxury goods sector, with many consumers opting for more affordable alternatives like lab-grown diamonds and lightweight materials as traditional gold jewelry becomes cost-prohibitive.

Gold Versus the Alternatives

Gold’s current appeal is about more than performance—it’s also about perception. In 2025, the U.S. dollar has weakened and confidence in Treasury yields has eroded, pushing more institutional investors toward hard assets. Meanwhile, cryptocurrencies—once considered gold’s digital rival—have faced their own bouts of volatility, highlighting gold’s comparative stability as a store of value.

Where Does Gold Go From Here?

Major institutions like Goldman Sachs are bullish, projecting gold to hit $3,700 by the end of the year. Others speculate that prices could surge even higher if global instability persists. Market analysts have issued a wide range of forecasts, with some projecting prices beyond $4,000 per ounce, depending on inflation rates, interest policy, and investor sentiment—a reflection of just how volatile and speculatively priced the metal may become in coming quarters.

On the other hand, a reversal could just as easily occur. If central banks slow their buying or the U.S. economy demonstrates unexpected resilience, investor demand for gold could pull back swiftly.

Historical Parallels

This isn’t the first time gold has spiked under economic stress. Historical surges, such as those in the 1980s, were also fueled by inflationary fears and geopolitical shocks. What’s different now is the interconnected role of institutional investment, monetary policy coordination, and rapid digital sentiment shifts that influence precious metals in real-time.

Conclusion

The rise of gold to $3,500 represents both a signal of global unease and a test of market conviction. While some view it as a rational response to systemic risk, others warn of overheating. Whether this is a sustainable climb or an impending correction remains to be seen.

Effective budgeting for business growth involves more than just managing costs—it’s about aligning resources with strategic goals to ensure sustainable expansion and resilience. By carefully planning revenues and expenses, companies can optimize day-to-day operations and finance future growth opportunities. In this article, we explore budgeting tactics that equip you to stay competitive and steadily increase your market share.

1. Strategic Budget Planning

Strategic budgeting connects your financial strategy with your business objectives. By analyzing past financial data, forecasting future income and expenditures, and setting measurable targets, companies create budgets that pave the way for steady progress.

Planning for Long-Term Success

Long-term goals serve as the compass for your budgeting process. Anticipate key growth milestones over the next three to five years, then break down the timelines into quarterly or monthly targets. This approach helps ensure each budget cycle clearly supports broader objectives. According to references [3] and [4], breaking down your strategic goals into smaller, data-driven milestones is a foundation of effective budgeting.

2. Setting Funds Aside for Growth

One of the most impactful ways to accelerate growth is to establish dedicated funds for expansion. Creating a “growth fund” for new hires, equipment purchases, or boosted marketing efforts builds momentum and signals your commitment to progress.

• Marketing Funds: Invest in campaigns or new channels to attract leads and retain loyal customers.
• R&D Funds: Fuel product or service innovation to stay ahead of the competition.
• Talent Acquisition: Strengthen your team with high-performers who drive revenue and productivity.

Supplement these allocations by tracking how such investments impact key performance indicators, like sales growth rates and return on investment.

3. Aligning Operations with Strategic Objectives

Budgeting and operations must work hand in hand to fulfill strategic goals. Keeping a close eye on operational performance as you allocate resources ensures every part of your organization has what it needs to succeed. Reference [2] highlights how operational alignment helps businesses remain focused on their strategic roadmap.

Strategic Portfolio Management

Organize and prioritize projects that drive growth while eliminating or downsizing less significant initiatives. When each department and project is funded according to its importance, you minimize waste and optimize spending.

4. Exploring Different Budgeting Methods

No single budgeting method suits all business types or environments. Consider mixing and matching approaches based on your organization’s size, objectives, and risk tolerance. Popular methods include:

• Incremental Budgeting: Simple but less flexible, this method adjusts last period’s budget based on projected changes.
• Zero-Based Budgeting: Demands justifications for every expense, promoting a lean and focused spending culture.
• Activity-Based Budgeting: Examines the costs of each activity, making it easy to spot inefficiencies.
• Participative Budgeting: Engages multiple stakeholders, boosting ownership and accountability.

For more tips on creating an effective budget framework, read our guide on Understanding Cash Flow Management in Business.

5. Monitoring and Adjusting Budgets

Regular budget reviews help decision-makers spot emerging trends, correct course, and seize new opportunities. Track key performance indicators (KPIs)—like net profit margin or ROI—to continuously refine your financial plan.[3]

Adapting to Market Changes

Monitor market indicators such as consumer behavior, competitor activity, and evolving economic factors. Adjusting budgets in response to these shifts lets you reallocate resources promptly and maintain a growth trajectory. For additional methods on how to maintain relentless focus on profitability and performance, see Financial Analysis for Growth Oriented Businesses and Breaking Down Financial Ratios for Better Decision Making.

Conclusion and Next Steps

By prioritizing strategic budget planning, setting aside dedicated growth funds, aligning operations with strategic goals, choosing the right budgeting methods, and performing regular reviews, you set your business up for sustainable and resilient expansion. Effective budgeting underpins every successful growth strategy, enabling you to manage resources responsibly while boldly seizing new possibilities.

Ready to build a budget that fuels your firm’s objectives? Dive deeper into our resources above and explore more on our platform to perfect your financial blueprint—because the best time to shape your business’s future is now.

References

1. “Optimizing Operations by Aligning Resources with Strategic Objectives” by OnePlan (2024) [2]
2. “Strategic Budgeting: The Ultimate Guide for Business Growth” by Shoeboxed (2024) [3]
3. “How to Create a Budget for Your Business” by Bank of America (n.d.) [4]