Windows Photo Viewer can’t display picture

A lot of users prefer to use Microsoft OneDrive when it comes down to cloud storage as it does not only come with the seal of approval from Microsoft but it’s also primarily good and better compared to other cloud storage services. However, that doesn’t mean that OneDrive isn’t without any issues. For one, you might encounter an issue where the OneDrive thumbnails do not show in File Explorer in Windows 10. If you are currently experiencing this problem, read on as this post will help you fix it. As you know, you can add OneDrive to your Windows 10 computer and have all the files locally synchronize to the cloud and so on. This means that whatever is available in the cloud will be seen on your computer. It is smooth and definitely saves you a lot of time which is why a lot of users prefer to use it. So if you suddenly not see any thumbnails in OneDrive, then that would be a problem. You are actually not the only one having this problem as there are other users who reported getting the same issue recently about the picture thumbnails that no longer show up in the OneDrive folders in the File Explorer. At the time of writing, it isn’t clear yet what the cause of the issue really is. Even so, there are still potential fixes you can check out to resolve it, and the sooner you do it, the better as this can be a major problem. To get started, refer to the instructions given below.

Option 1 – Try to disable Files on Demand

The first thing you can do to fix the problem is to disable the Files on Demand. This is what you have to do to get things under control.

• First, right-click on the OneDrive icon located in the taskbar and go-to of OneDrive.
• After that, click on More and Settings. This will open a new window where you have to click on the Settings tab and uncheck the “Files on Demand” service.
• Once done, restart your computer and check if you can now see the thumbnails in the OneDrive folder. However, if it didn’t work, then proceed to the next given option below.

Option 2 – Try to change the icon view

The next thing you can do to fix the problem is to change the icon view. It is possible that the problem might have something to do with the size of the icons than anything else. So you have to change the icon view and to do that, follow these steps:

• First, open Control Panel in Windows 10.
• Next, in the search box, type “folder” and then click on the File Explorer Options.
• From there, click on the View tab and uncheck the “Always show icons” option, and make sure that showing thumbnails is active.
• Now go back to Control Panel and type “system” in the search box. This will open a new window where you have to select the “View advanced system settings” option.
• Then under the Performance section, click on Settings and click on the option that allows you to show the thumbnails instead of icons.

Many Windows 10 users use a Bluetooth headset as these kinds of Audio devices, as you know, lack wires since wires tend to get entangled and break which could get quite inconvenient. This is why using a wireless headphone is more preferable since it’s much simpler, however, using a wireless headphone also means it comes with a charging requirement and if it fails to charge, there is no music or audio or anything that you need a Bluetooth headphone for. However, wireless headphones are also susceptible to problems as you might encounter some problems when connecting your wireless headphone to your Windows 10 computer. One of these problems include when you try to get sound from the wireless device but nothing happened. This indicates that the Bluetooth headphone is disconnected in some way for some unknown reason even if you’ve already plugged it in. Thus, if you encounter this scenario, then there are several options you need to check out to fix the problem. To start troubleshooting the problem, here are the options you need to use as a reference.

Option 1 – Try turning off the device and turning it back on

The first thing you can do to resolve the problem is to turn off your wireless audio device and wait for a couple of seconds before you turn it back on. In most cases, this should fix the problem. In fact, you can also try to unpair and pair the Bluetooth audio device and see if it fixes the problem or not.

Option 2 – Try to set the headphone as the default device manually

There are times when you plug a headphone, it does not toggle the default audio device. Thus, to fix this issue, you have to set the default audio device to the headphones manually. To do that, follow these steps:

• First, right-click on the volume icon located on the system tray.
• Next, select the Open sound settings option to open the Sound section in the Windows 10 Settings app.
• After that, go to the Output section and select Headphones for the “Choose your output device” option. This should fix the problem for you.

Option 3 – Try running the Bluetooth Troubleshooter

As you know, Windows 10 has various troubleshooters with user-friendly interfaces where you can utilize them to fix issues in your PC. And since you’re dealing with some Bluetooth problem, you have to run the built-in Bluetooth Troubleshooter. To do this, follow these steps:

• Open the Windows 10 Settings.
• Then go to Update & Security > Troubleshoot.
• You should find the option for Bluetooth on your right-hand side – click on it then click on the “Run the troubleshooter” option.
• Now follow the next screen options.

Option 4 – Try to update or reinstall the Bluetooth driver

The issue might have something to do with the Bluetooth drivers. It could be that it is outdated and needs to be updated or that you recently updated it and since then you have trouble in removing the Bluetooth devices and so to fix the issue, you can update, roll back or uninstall the Bluetooth drivers. How? Follow the steps below.

• Tap the Win + X keys to open the Device Manager.
• Next, look for the Bluetooth device and right-click on it.
• Select the option “Update driver”.
• After that, a new popup window will appear. In there, select the option, “Search automatically for updated driver software”.

Note: Checking the update may take a few minutes so you’ll have to wait until it finishes. If it is able to find an update, you must install it. And if you want to reinstall the Bluetooth driver, just select the “Uninstall driver” option and follow the next on-screen instructions that follow.

SD memory cards have surfaced as standard cards for digital cameras and microSD as phone standard memory cards. Most people have and use at least one daily, so naturally copying files and even formatting SD cards is a natural thing to do, but what if you cannot copy files or format SD cards? Fear not because we had this issue and tried several things in order to overcome the problem and after some time here is a list of what can you do if you are facing this exact issue. The list is written from most simple solutions to more complex ones and it is advisable to follow it as presented. That being said, let's dive into solving the problem.

1. Remove Write Protection on SD card

First and in my experience the most usual thing preventing deleting, copying files, and formating SD card is due to write protection. Take an SD card out of the laptop, camera, or card reader and visually inspect it. On side of almost every SD card, there is a hardware lock switch and mark where it needs to be positioned in order to be locked. Even if the switch is positioned on unlocked state, switch it to locked and then back to unlocked. Sometimes this easy moving of switch can resolve some contact issues and the card will start working normally. Another type of lock that could be turned ON is a software one. If for any kind of reason data protection has been turned ON, you will need to turn it off in order to be able to format an SD card. In order to do this follow this guide:

1. Press ⊞ WINDOWS + R to open the Run dialog
2. In run dialog type in diskpart and press ENTER
3. Once diskpart is opened in command prompt type in: list disk and press ENTER
4. Locate your SD card and type in select disk x, where x is disk number followed by ENTER
5. After the SD card is selected type in: attributes disk clear read-only and press ENTER

This process will clear the software lock on the SD card, after following this method try to format the card again, if the problem still exists go to the next solution.

2. Format SD card using Command prompt

Command prompt is a great tool and can perform some commands that are not been able to be completed using file explorer or another tool inside Windows.

1. In the taskbar search box, search for cmd and select the Command prompt
2. On the right part select run as administrator
3. If needed click on YES on UAC prompt
4. Inside command prompt type in diskpart and press ENTER
5. type in list disk followed by ENTER
6. Select your SD card by locating its number in the list and typing select disk X, where is X SD cards number in list and press ENTER
7. Once SD card is selected type in format fs=ntfs quick and press ENTER

This should format SD card but if for reason even this step is provided as unproductive, go to the next solution.

3. Format your card with the Disk Management tool

1. Go into the taskbar and search for Disk Management and open it
2. Select SD card partition that you wish to format
3. Right-click on the partition and select format
4. After the format is done, enter the volume label, file system, and allocation unit size. Confirm with OK
5. Press OK again to confirm the formatting process.

If you have not managed to format your SD card even with this method go to the next solution.

4. Repartition card with Disk part

If all previous solutions have failed there is a chance that the SD card has bad sectors on it. If this is the case that we will need to partition cards in order to isolate bad sectors and use healthy ones.

1. Press ⊞ WINDOWS + R to open the Run dialog
2. In run dialog type in diskpart and press ENTER
3. Once diskpart is opened in command prompt type in: list disk and press ENTER
4. Locate your SD card and type in select disk x, where x is disk number followed by ENTER
5. Type in Clean and press ENTER
6. Type in Create partition primary and press ENTER
7. To select a new partition type select partition 1 followed by ENTER
8. Make partition active by typing active and pressing ENTER
9. Format the drive by typing format fs=ntfs label=SDCard quick followed with ENTER
10. Assign a letter to drive by typing assign letter=h followed with ENTER
11. Type exit to close Command prompt followed again by ENTER and open File Explorer to check if the drive is active

5. Try a dedicated SD card formating fool

If anything failed so far, one last thing you could do is to download and try a dedicated SD card formatting tool. One that I would recommend is SD Memory Card Formatter, which is free software make specifically for formatting SD memory cards.

There are several kinds of errors you could encounter when you are running Windows 10 on a virtual machine. The Windows OS knows the difference between booting up in a standalone computer or in a virtual machine. This is why some specific drivers and system capabilities are used while emulating the Windows OS on software and during this phase, there are times when the System Preparation may throw up an error that says, “A fatal error occurred while trying to sysprep the machine”. This kind of error arises due to a race condition wherein the Sysprep command tries to stop the Microsoft Distributed Transaction Coordinator or MSDTC service and the VMware tool tries to start the MSDTC service. You may also see the following messages logged in the Setuperr.log file:

• [0x0f0082] SYSPRP LaunchDll:Failure occurred while executing ‘C:Windowssystem32msdtcprx.dll,SysPrepDtcCleanup’, returned error code -2146434815[gle=0x000000b7]
• [0x0f0070] SYSPRP RunExternalDlls:An error occurred while running registry sysprep DLLs, halting sysprep execution. dwRet = -2146434815[gle=0x000000b7]
• [0x0f00a8] SYSPRP WinMain:Hit failure while processing sysprep cleanup providers; hr = 0x80100101[gle=0x000000b7]

To fix the 0x0f0082, 0x0f0070, 0x0f00a8 Sysprep errors, you can check out two potential fixes. First, you have to check the status of the MSDTC service and the second one is to check the settings in the Windows Registry. Note that these fixes are proven to be effective on many users and apply to several versions of Windows, including Windows 10.

Option 1 – Check the status of the MSDTC service via Command Prompt

As mentioned, the error could be caused by the malfunctioning of the MSDTC service or it. Thus, you have to uninstall and reinstall the MSDTC service to resolve the problem and you can do that using Command Prompt. Follow the steps below.

• In the Start Search, type “command prompt” and from the results, right-click on Command Prompt and then select the “Run as administrator” option to open it with admin privileges.
• If a User Account Control or UAC prompt appears, just click on Yes to proceed.
• Once you’ve opened Command Prompt, execute this command: msdtc –uninstall
• The command you just entered will uninstall the MSDTC service. After that, you need to execute this second command to reinstall the service: msdtc –install
• Now exit Command Prompt and check if the error is now fixed.

Option 2 – Check the Registry settings

• Tap the Win + R keys to open the Run dialog box and type “Regedit” in the field and click OK or hit Enter to open the Registry Editor.
• After opening the Registry Editor, navigate to this registry path: HKEY_LOCAL_MACHINESOFTWAREMicrosoftWindows NTCurrentVersionSoftwareProtectionPlatform
• From there, look for a DWORD value that’s named “SkipRearm” and double click on it.
• Then change its value data to “1”.
• Restart your computer to apply successfully apply the changes made and check if it was able to fix the error.

In today's world any professional, whatever be design, print, web design or similar is using one or more Adobe programs. Adobe has cemented itself as a must-have software for any kind of serious and even amateur work. Sadly in the latest Windows 11 adobe software in some instances can slow down your computer and put some hard load on the CPU. If you are one of these unfortunate users, keep reading because we have a few things you can do to solve this.

1. Run SFC scan

SFC scan is a built-in Windows tool aimed at diagnosing and repairing system files inside Windows itself. Running an SFC scan usually solves most issues of these kinds so we will try that one first.

1. Press ⊞ WINDOWS + S to open the Search bar and type in cmd
2. Select command prompt and on the right side click on Run as administrator
3. Inside command prompt type in: sfc /scannow and press ENTER
4. Wait for the whole process to finish and reboot your system

2. Update Windows

Windows updates are designed to fix issues and solve problems, check to see if a new update is available to install.

1. Press ⊞ WINDOWS + I to open the Settings app
2. Click on Windows Update in the bottom left pane
3. On the right check visually if there is an update pending and if there is, install it

3. Temporary turn off antivirus and firewall

Antivirus and firewall can interfere with adobe applications and background services, try turning your preferred protection software temporarily off and check if your CPU is still under high load.

4. Reinstall Adobe suite

Uninstall and install a clean version of the adobe creative suite or individual applications that you are using. Check your CPU load after reinstallation.

5. Uninstall Adobe CEF Helper

This is not a really advisable course of action but if non of the previous solutions have produced results then this might be the only option if you would like to keep using the software. Open File Explorer and paste the following line in the path box on top: C\:Program Files>Adobe Systems>Adobe CEF Helper or Adobe Creative Cloud >Adobe CEF Helper_uninstall.exe. Double click on the file and uninstall the CFT helper.

If you suddenly noticed that your Onscreen keyboard in Windows 10 has become completely white or transparent for some reason, then you’ve come to the right place as this post will guide you on what you can do to resolve this kind of issue in your computer. As you know, the on-screen keyboard is included in Windows 10 and has an executable file named “osk.exe”. The on-screen keyboard is a part of the Ease of Access feature in Windows 10 which allows users to navigate the computer with the help of the mouse instead of the physical keyboard. However, there are times when you might encounter some issues when using the on-screen keyboard. One of the issues reported recently is that the on-screen keyboard becomes transparent or it only displays the borders but there is no way for you to access it. You also won’t be able to move it from the view completely. To fix this problem, there are several suggestions you can check out. You can try to check the Fade button or run the Windows Touch Keyboard troubleshooter. You can also restart its process in the Task Manager. For more details, refer to each one of the given options below.

Option 1 – Try to check the Fade button

The first thing you can do is to check the Fade button on the on-screen keyboard. You can find it at the bottom right corner of the keyboard. If it is enabled, then it’s probably the reason why your on-screen keyboard is transparent as it lets it fade in the background. Thus, you have to disable it to resolve the problem.

Option 2 – Try to run the Windows Touch Keyboard troubleshooter

The next option you can check out is running the Windows Touch Keyboard troubleshooter. This troubleshooter will help you identify the problem and would fix them automatically.

Option 3 – Try to restart the process of the on-screen keyboard via Task Manager

The next thing you can do is to restart the on-screen keyboard’s process in the Task Manager. Just follow the steps below.

• First, tap the Ctrl + Shift + Esc keys to open the Task Manager.
• Next, go to the Processes tab and look for the option that says, “Accessibility On-screen Keyboard”.
• Once you found it, click on the drop-down arrow next to it and right click on the “On-screen Keyboard” option, and select End task to end its process.
• After that, tap the Win + R keys to launch the Run utility and type “osk.exe” in the field, and then hit Enter to open the on-screen keyboard.

In this post, we will discuss what the “ bootres.dll ” file is in the Windows 10 operating system and where it’s also located. In addition, you will also be guided on how you can replace or fix a corrupt bootres.dll file which may prevent you from booting to your Windows desktop and will display an error message instead saying, “Boot critical file resourcescustombootres.dll is corrupt”. There are times when this error might also boot your PC to the Automatic Repair screen. DLL files, also known as Dynamic Link Libraries are external parts of applications that run on Windows as well as other operating systems. Almost all applications are not complete in themselves and store code in different files so if there is a need for the code, the related file being called by a certain application is loaded into memory and used. If the software or the operating system is unable to find the concerned DLL file or if the DLL file ends up getting corrupted, you will most likely get an error message. In case you don’t know, the bootres.dll file is a critical system OS file, size 90KB, and can be found in the Windows folder. It is a part of the Boot Resource Library and portrays an important role in making sure that your PC boots properly. So if it ends up getting corrupted, your PC may fail to boot correctly and you’ll get an error message instead. To resolve this problem, here are some suggestions that might help. If your PC automatically boots to the Automatic Repair screen, you need to click on that option to run the Automatic Repair. If it doesn’t work, you have to boot into the Advanced Startup options to manually access and run the Automatic Repair. Once you’re in the Advanced Options, you will be able to:

• Run Automatic Repair
• Use System Restore
• Start Windows from an external device
• Access Command Prompt
• And use the System Image Recovery to restore Windows from a Factory image.

If the Automatic Repair fails to fix the problem, you may have to use System Restore or the Command Prompt to carry out further troubleshooting steps. Refer to the guide below to use these tools.

Option 1 – Try running the System File Checker in Safe Mode

Running the System File Checker is the safest way to fix DLL file missing or corrupted errors are thrown up by the Windows operating system as it could give you better results. System File Checker or SFC is a built-in command utility that helps in restoring corrupted files as well as missing files. It replaces bad and corrupted system files with good system files that might be causing the Machine Check Exception BSOD error. To run the SFC command, follow the steps given below.

• Boot your PC into Safe Mode.
• Tap Win + R to launch Run.
• Type in cmd in the field and tap Enter.
• After opening Command Prompt, type in sfc /scannow

The command will start a system scan which will take a few whiles before it finishes. Once it’s done, you could get the following results:

1. Windows Resource Protection did not find any integrity violations.
2. Windows Resource Protection found corrupt files and successfully repaired them.
3. Windows Resource Protection found corrupt files but was unable to fix some of them.

Option 2 – Try running the DISM tool to repair the System Image

To repair the System Image, you need to use the DISM or Deployment Imaging and Servicing Management tool. The DISM tool is another command-line tool in the Windows operating system that could help users fix various corrupted system files. To use it, follow these steps:

• Open the Command Prompt as admin.
• Then type in this command: Dism /Online /Cleanup-Image /RestoreHealth
• Do not close the window if the process takes a while as it will probably take a few minutes to finish.

Note: The command you executed will check for Windows component store corruption and will restore its good health. The scan might take up to 15 minutes. Once it is done, you have to restart your computer.

Option 3 – Try to repair the MBR and rebuild BCD

To repair the MBR and rebuild BCD, follow these steps: The problem might boil down to the Master Boot Records since the previous case has already been isolated. There are times when the Master Boot Records can get corrupted and even though it is a serious issue, it can still be rectified by repairing the Master Boot Record.

• Tao the F8 key while booting the system to go into the Windows Recovery Menu.
• Next, click on Troubleshoot.
• Then click on the Advanced options to get into the Automatic Repair menu.
• After that, you have to use the bootrex.exe tool, so click on the command prompt and type in the following commands, one after the other:
• bootrec /RebuildBcd
• bootrec /fixMbr
• bootrec /fixboot
• Exit and then go ahead and restart your PC.

Option 4 – Try running the ChkDsk utility

One of the best options you must try is running chkdsk as it will check the disk for any errors and repair them automatically. To use it, follow these steps:

• Boot your PC to the Advanced Options menu and click on Command Prompt.
• Once you’ve opened an elevated Command Prompt, type in the following command and tap Enter to execute it:

chkdsk C: /f /x /r

Note: “C” is the drive root drive so it could be changed if you’re using a different one.

Option 5 – Try resetting your PC

Go to the Advanced Options > Troubleshoot > and select the Reset This PC option from the menu and then select Keep my files.

Default Taskbar inside Windows 11 is pretty good if we are talking about its height. Sitting at 48 pixels it is a pretty decent size considering functionality and size ratio but if you want to make it a little larger or smaller know that you can do that as well in order to customize it for your personal needs. Sadly in order to actually change height size, you will have to do it inside the registry editor, but worry not, we are here with you to guide you all the way, one step at a time. Also, note that you can only change Taskbar from normal size of 48px to either small of 32px or large gapping at 72px. Icons will also be scaled proportionally with the taskbar.

Guide

1. Press ⊞ WINDOWS + R to open the run dialog
2. Inside run dialog type in RegEdit and press ENTER
3. In registry editor locate and find HKEY_CURRENT_USER\Software\Microsoft\Windows\CurrentVersion\Explorer\Advanced
4. Right Click on it to select it and create a new DWORD (32-bit) value
5. Name the value TaskbarSi
6. Inside TaskbarSi double click in order to set the value to 0 if you want a small size Taskbar, 1 is if you want to revert back to medium (standard one), or type in 2 if you want a large Taskbar.
7. Save and close the Registry editor
8. Reboot PC

And there you go, you have successfully changed Taskbar size inside Windows 11. If you want to revert back to standard size just repeat steps and place 1 as a value in point 6.

Kernel_Data_Inpage_Error - What is it?

Kernel_Data_Inpage_Error is a BSOD (blue screen of death) error. Also, know as a 0x0000007A Stop error. This bug check indicates that the requested page of kernel data from the paging file failed to be read into memory. In simple words, this means that Windows has trouble reading from the memory. This can apply to both kinds of memory: stored memory on your hard drive and also the dynamic memory in your RAM. The Kernel_Data_Inpage_Error turns your computer screen all blue, stops the program being executed, and sometimes even leads to abrupt system shut down.

Error Causes

Kernel_Data_Inpage_Error may occur due to numerous reasons. The exact cause of this error can easily be found by going through the code displayed in the parameter of 0x00000007A. Let’s take a look at Kernel_Data_Inpage_Error parameter codes and the underlying causes of its occurrence:

• 0xC0000009A- This parameter code triggers missing nonpaged pool resources
• 0xC0000009C- This represents the installed hard disk drive has bad sectors.
• 0xC0000000E- This indicates a hardware failure or an incorrect drive configuration

Further Information and Manual Repair

No matter what the cause for Kernel_Data_Inpage_Error may be, it is advisable to fix it immediately as blue screen of death error codes are considered to be critical PC errors that can cause serious damages and even result in valuable data loss. Here are a couple of ways to repair this issue on your system:

1. Call the ‘Chkdsk’ (check disk) command on your system.

Windows XP, Vista, and 7 users can call this command, by pressing Windows Key +F and type in ‘chkdsk’ and run. However, you can’t run it while actively using Windows but you can always schedule it to start automatically the next time your computer turns on. Wrap up what you need and then reboot. Chkdsk disk checking process can take a long time, especially on large and slow hard drives. To run this command on Windows 8, open Windows search by pressing Windows Key+ F and then type ‘cmd’. Then right-click on the command prompt and choose the option ‘Run as Administrator’. To continue with the disk checking process, here you will be prompted to provide your administrator authentication. Once you insert the administrator authentication, type the command ‘Chkdsk C:/f/r/x” where the letter ‘C’ indicates the drive you want to examine and repair. Run it to scan for Kernel_Data_Inpage_Errors on your system. Chkdsk command will detect and repair errors on the hard drive and then automatically reboot.

Limitations to this Solution:

‘Chkdsk’ is a value-adding inbuilt disk checking tool in PC new Window versions; nonetheless, this command has certain limitations. It is time-consuming. You may have to wait for a long time for it to scan your system. Also when disk check is running, you will have to stop all other activities on your system. Furthermore, Chkdsk does not scan and fix all registry errors and other PC-related errors. So, you can’t be 100% sure that it will resolve all the Kernel_Data_Inpage_Errors on your PC.

If you are following the latest gaming trends and spend a lot of time on social media, watching streams, etc. you might be under impression that gaming as a hobby is very expensive. If you plan to play the latest games on a very large screen in their highest setting that might be true but if you do not care about that you can still play games and spend much less money on them.

That being said we are here to share with you some tips and tactics on how to play good games with minimum money spent.

Do not buy games the moment when they are released

Buying a game on its launch date is maybe the worst and most expensive thing you can do. Games have their highest price on launch day but sadly with the current state of the industry, they are in their worst state as well. Games eventually became better over time after patches are released but so does their price drops after the hype has calmed down. So if you really must have some specific game on its launch day, go for it but know that by doing so you are getting the worst version of the game for its higher price.

Wishlist games and wait for the sale

All services today have a wishlist, very good and money-saving tactic is to wishlist interesting titles and wait for them to be on the sale. Services will usually have the option of sending you an email once your wishlist titles are on sale so you will be notified once they do. A good tactic as well is to wait for large sales like for example summer, winter, easter sales, or many other seasonal ones.

Get free games

Some online stores are offering free games from time to time and some are always offering some titles as gifts in order to get customers to their platform. EPIC has become famous for gifting some great titles over the past years completely for free and there are a lot of free-to-play games on each platform that you can play.

Get second-hand PC

Having a new computer is great but if your budget is tight you might consider getting your PC as a second hand instead of the new one. Hardcore games will switch components more frequently than your typical users and usually the components will be sold cheaper and be more affordable.

Play games on some older devices in general

Many games today are available on many platforms not only just on your typical PC. Same titles are available on your mobile phones, tablets, and even on your Android TV. Many titles will not even require the latest technology or monster of a computer in order to run them. You can also lower game settings and play many games on lower hardware if you do not mind not having top graphics settings.

Play over the cloud streaming

If you are very tight on budget but want to enjoy new games in their full glory there is always the option to play games via a cloud streaming service, it is not exactly a mega cheap option since it has a monthly fee but it is cheaper than some high-end gaming computer. If you combine this with the game pass you can enjoy the latest games with high-quality settings and pay it on a monthly basis.