CFO vs. CAO: Understanding Financial Management Roles

Rick Richardson
Guest Author & Podcast Investor
CAO vs. CFO: Key Role Differences Explained

Strong financial leadership is the backbone of any successful business. This article clarifies the distinct roles within financial management, specifically CAO vs CFO, and how these roles collaborate. We'll explore the CAO's daily responsibilities, like managing accounting policies and internal audits. Then, we'll contrast this with the CFO's strategic focus, including long-term financial planning and investor relations. Whether you're a financial pro or a business owner, understanding the nuances of financial management CFO strategies is crucial for optimizing your financial health.

Login Button

Key Takeaways

  • Clearly defined roles maximize financial effectiveness: CAOs maintain accurate financial records and ensure compliance, providing the foundation for CFOs to develop and execute strategic financial plans. This clear division of labor allows each leader to focus on their respective strengths.
  • Technology empowers strategic financial leadership: By leveraging automation and data analytics, CAOs and CFOs can streamline operations, improve accuracy, and gain deeper insights into financial performance. This shift allows for more informed decision-making and proactive financial management.
  • Collaboration and communication drive financial health: A strong partnership between the CAO and CFO, built on open communication and shared goals, is crucial for aligning day-to-day accounting operations with long-term financial strategies. This collaborative approach ensures financial stability and supports organizational growth.

CAO vs. CFO: What's the Difference in Financial Leadership?

Understanding the distinct roles of a Chief Accounting Officer (CAO) and a Chief Financial Officer (CFO) is crucial for effective financial leadership. While both positions contribute significantly to a company's financial health, their responsibilities and focus areas differ. Think of it this way: the CAO ensures the financial records are accurate and compliant, while the CFO uses that information to steer the company's overall financial strategy.

The CAO acts as the guardian of a company's financial data, focusing on the day-to-day accounting operations. Their primary duties include managing accounting policies, overseeing internal audits, and ensuring accurate financial reporting. They're responsible for maintaining the integrity of the company's financial records, making sure every transaction is recorded correctly and complies with relevant regulations. This tactical focus allows the CAO to provide the CFO with reliable financial data, which is essential for informed decision-making. For a deeper dive into optimizing your accounting processes, explore FinOptimal's resources on process automation.

The CFO, on the other hand, takes a more strategic approach. They analyze financial performance, develop long-term financial strategies, manage financial risks, and communicate with investors and lenders. The CFO acts as a financial advisor to the CEO and the board, providing insights and recommendations to drive the company's financial success. They use the accurate financial data provided by the CAO to develop forecasts, identify opportunities for growth, and ensure the company's long-term financial stability. This strategic focus makes the CFO a key player in shaping the company's overall direction. Ready to discuss your financial leadership needs? Contact us to learn how we can help.

The collaboration between the CAO and CFO is essential for a company's financial well-being. The CAO ensures the accuracy of financial information, while the CFO uses that information to make strategic decisions. This partnership allows for a seamless flow of information and ensures that the company's financial operations are both efficient and effective. For example, the CAO might work with the CFO to develop budgets and forecasts, providing detailed information on the company's current financial position and potential future performance. This collaboration ensures that the company's financial strategies are grounded in reality and aligned with its overall goals. Consider exploring our partnership program for collaborative opportunities.

Distinct Focus: Day-to-Day Operations vs. Long-Term Strategy

The CAO’s focus is on the present, ensuring the smooth and compliant operation of day-to-day accounting. Think of them as the meticulous record-keeper, making sure every transaction is documented correctly and adheres to accounting policies. Their responsibilities include managing these policies, overseeing internal audits, and guaranteeing the accuracy of financial reporting. This detailed work provides the solid foundation upon which the CFO can build. This tactical focus allows the CAO to provide the CFO with reliable financial data, essential for informed decision-making.

The CFO, conversely, has their eye on the future. They’re the strategic architect, analyzing financial performance, developing long-term financial strategies, managing risk, and communicating with investors and lenders. The CFO advises the CEO and the board, offering insights and recommendations to drive the company's financial success. They use the reliable data provided by the CAO to create forecasts, identify growth opportunities, and ensure the company's long-term financial stability. For a deeper understanding of the strategic role of the CFO, explore FinOptimal's insights on financial leadership.

Collaboration for Financial Success

The relationship between the CAO and CFO is symbiotic. The CAO guarantees the accuracy of the financial information, which the CFO then uses to make informed strategic decisions. This partnership creates a seamless flow of information, ensuring that the company's financial operations are both efficient and effective. For example, the CAO and CFO might collaborate on developing budgets and forecasts. The CAO provides the detailed information on the company's current financial position, offering insights into revenue, expenses, and cash flow. The CFO uses this data to project future performance and align it with the company's overall strategic goals, considering market trends, investment opportunities, and potential risks.

This collaborative approach, where the CAO’s meticulous record-keeping empowers the CFO’s strategic vision, is essential for long-term financial health and growth. For businesses seeking to enhance their financial collaboration and streamline operations, consider exploring FinOptimal's automation solutions and contact us to discuss your specific needs.

Chief Accounting Officer (CAO): Your Financial Record Guru

The Chief Accounting Officer (CAO) ensures the accuracy and reliability of a company's financial records. Think of the CAO as the guardian of the books, making sure everything is recorded correctly and complies with all applicable financial laws. They're laser-focused on the day-to-day accounting tasks, guaranteeing the financial data tells an accurate and up-to-date story of the company's performance.

What Does a CAO Do?

The CAO's primary duties typically include managing the company's accounting policies, overseeing internal and external audits, and developing short-term financial forecasts. They're responsible for the nitty-gritty details, like ensuring all transactions are recorded correctly according to generally accepted accounting principles (GAAP). This includes overseeing bookkeeping, tax filing, and regulatory reporting. The CAO also plays a crucial role in internal control, implementing and maintaining systems to prevent errors and fraud. They work closely with the external auditors to ensure a smooth and efficient audit process.

CAO Performance: Metrics and Hurdles

While the CAO's focus is primarily tactical, their performance is measured against key performance indicators (KPIs) that reflect the overall financial health of the organization. These KPIs often include metrics like operating cash flow, accounts payable turnover, and days sales outstanding (DSO). The CAO's success lies in maintaining accurate financial records, ensuring compliance, and contributing to the efficient operation of the finance department. One of the biggest challenges CAOs face is keeping up with evolving accounting regulations and technological advancements. Staying informed and adapting to these changes is crucial for maintaining accuracy and efficiency in financial reporting. If you're interested in exploring how automation can help address these challenges, consider reaching out through our contact form.

Chief Financial Officer (CFO): Leading Your Financial Strategy

The CFO steers the company's financial ship, charting its course through calm waters and stormy seas. They're not just number crunchers; they're strategic architects, building the financial framework that supports the entire organization.

The CFO's Role: Steering Financial Success

The CFO develops long-term financial plans and strategies, making crucial decisions about investments, financing, and even mergers and acquisitions. Think of them as the "why" person, always looking at the bigger picture and justifying financial decisions based on the company's overall goals. They're responsible for securing funding, managing investor relations, and ensuring the company's financial stability. A CFO also keeps a close eye on market trends and economic conditions, adapting the company's financial strategy to capitalize on opportunities and mitigate potential risks. For companies looking to optimize their financial strategies, exploring managed accounting services can provide valuable support and expertise.

Core Responsibilities of a CFO

The CFO plays a crucial role in shaping a company's financial future. They're responsible for developing long-term financial plans and strategies, making key decisions about investments, financing, and even mergers and acquisitions. Think of the CFO as the architect of the company's financial framework, constantly evaluating and adjusting the blueprint to ensure stability and growth. Securing funding, managing investor relations, and ensuring the company's overall financial health are all part of their domain. For a deeper understanding of the strategic role of a CFO, explore FinOptimal's resources on CFO services.

Essential Skills for a Successful CFO

A successful CFO needs more than just a knack for numbers. Strong accounting and finance skills are a given, but equally important are leadership, communication, and problem-solving abilities. A CFO must be able to clearly articulate complex financial information to both internal and external stakeholders, building trust and confidence in their financial stewardship. Furthermore, a deep understanding of technology, particularly financial technology (fintech), is becoming increasingly crucial. The ability to leverage technology to streamline processes, improve accuracy, and gain deeper financial insights is a hallmark of a truly effective CFO. To learn more about leveraging technology for financial success, explore FinOptimal's Accruer software.

Navigating the Challenges of a CFO

The CFO role comes with its share of challenges. Balancing cost efficiency with growth is an ongoing balancing act. Improving data governance and analytics is another key concern, as is the effective adoption and use of AI tools. Moreover, CFOs often find themselves managing expanding responsibilities across the organization, requiring them to be agile and adaptable. Staying ahead of the curve requires continuous learning, a willingness to embrace new technologies, and a dedication to building a strong and resilient financial organization. For support in addressing these challenges, consider FinOptimal's managed accounting services.

Is Your CFO Effective? Measuring Success & Challenges

How do you measure a CFO's success? It's not just about the bottom line. While financial health is critical, a CFO's effectiveness also hinges on their contribution to the company's strategic objectives. Are they driving growth? Are they effectively managing resources? Are they anticipating and addressing future challenges? These are key questions to consider when evaluating a CFO's performance. Learn more about how FinOptimal can help your business thrive.

One of the biggest hurdles CFOs face is balancing financial stability with long-term growth. This requires a delicate balancing act, carefully weighing risks and rewards. Another challenge is managing legacy systems and siloed data. Investing in modern enterprise resource planning (ERP) systems, such as Accruer software, can streamline processes and provide better visibility into financial data. This allows CFOs to make more informed decisions and drive better outcomes for their organizations.

CAO vs CFO: How Do They Work Together?

While both roles contribute significantly to a company's financial health, their areas of focus and decision-making authority differ. Understanding these distinctions is crucial for effective collaboration and overall financial success. Let's break down how these roles complement each other.

Who Makes the Decisions: CAO or CFO?

The CFO typically holds broader decision-making power, shaping the overall financial strategy and direction of the company. Think big-picture decisions like investments, fundraising, and mergers and acquisitions. They're responsible for the long-term financial health of the organization. The CAO, on the other hand, focuses on the accuracy and efficiency of day-to-day accounting operations. They ensure compliance with regulations, oversee financial reporting, and manage the accounting team. Their expertise ensures the financial data is reliable and readily available for the CFO to use in strategic planning. This distinction in authority allows each leader to focus on their respective strengths.

Strategic vs. Tactical: Defining the Roles

The CFO's role is inherently strategic. They analyze market trends, assess financial risks and opportunities, and develop long-term financial plans that align with the company's overall goals. They're asking the "why" behind financial decisions. The CAO's focus is more tactical, concentrating on the efficient execution of accounting processes. They ensure the accuracy of financial records, manage budgets, and implement internal controls. They're focused on the "how" of accounting, making sure the financial engine runs smoothly. This balance of strategic and tactical approaches is essential for a well-rounded financial management strategy. For companies looking to optimize their accounting functions, consider exploring FinOptimal's managed accounting services.

Financial Reporting and Compliance: Teamwork Makes the Dream Work

Although their responsibilities differ, the CAO and CFO must collaborate closely. The CAO provides the CFO with accurate and timely financial data, which the CFO uses to make informed strategic decisions. This collaborative relationship ensures that financial reporting is accurate, compliant with regulations, and supports the company's strategic objectives. Open communication and a shared understanding of the company's financial goals are essential for this partnership to thrive. For example, the CAO plays a vital role in ensuring smooth financial operations, working closely with the CFO to navigate complex regulatory landscapes and mitigate financial risks. This teamwork ultimately strengthens the financial foundation of the organization. If you're interested in learning more about how FinOptimal can help your finance team, contact us today.

Becoming a CAO or CFO: Charting Your Career Path

This section clarifies the qualifications and career paths for Chief Accounting Officers (CAOs) and Chief Financial Officers (CFOs). Understanding these distinctions helps aspiring finance professionals chart their career trajectory and businesses identify the right talent.

Qualifications: Education and Certifications

Both CAOs and CFOs typically hold a bachelor's degree in finance, accounting, or economics. This foundation provides the necessary grounding in financial principles, accounting practices, and economic theory. Many CAOs pursue a Certified Public Accountant (CPA) license, demonstrating expertise in accounting and auditing. CFOs often hold a Master of Business Administration (MBA), complementing their financial expertise with broader business acumen. While a CPA license is valuable for CFOs, some also obtain a Chartered Financial Analyst (CFA) certification, showcasing their advanced investment management and financial analysis skills.

CPA vs. CFA: Choosing the Right Certification

For finance professionals aiming for leadership roles, certifications like the CPA and CFA can significantly enhance your credentials. But which one is right for you? It depends on your career aspirations and area of focus within finance. A CPA (Certified Public Accountant) designation centers on accounting, auditing, taxation, and financial reporting. Think meticulous record-keeping, ensuring compliance, and guaranteeing the accuracy of financial statements. A CFA (Chartered Financial Analyst), however, specializes in investment management, financial analysis, and portfolio management. This designation is geared towards professionals interested in investment strategies, asset valuation, and portfolio construction.

So, how does this relate to the CAO and CFO roles? A CPA can be incredibly beneficial for a CAO, providing the in-depth accounting knowledge and credibility needed to manage accounting operations effectively. For CFOs, while a CPA offers a strong foundation in financial reporting, a CFA can be particularly advantageous for those involved in strategic financial planning and investment decisions. For example, a CFO with a CFA might lead investment strategy discussions, while a CFO with a CPA might focus on financial statement analysis and regulatory compliance. Ultimately, the best choice depends on your individual career path and the specific skills you want to develop. Consider your long-term goals and the type of financial leadership you aspire to. Both certifications offer unique advantages, but understanding their distinct focuses will help you make the most informed decision for your career.

Skills, Experience, and Tech Savvy

Beyond educational credentials, experience is crucial in shaping the careers of CAOs and CFOs. CAOs gain experience through progressively responsible roles in accounting departments, developing expertise in financial reporting, internal controls, and regulatory compliance. They focus on ensuring the accuracy of financial records, managing day-to-day accounting operations, and overseeing audits. CFOs accumulate experience in broader financial management roles, including financial planning and analysis, treasury management, and investor relations. They develop skills in strategic financial planning, raising capital, and communicating financial performance to stakeholders. Learn more about the differences between a CAO and a CFO.

In today's technological landscape, both CAOs and CFOs need proficiency in financial software and data analytics tools. CAOs leverage technology to automate accounting processes, improve reporting efficiency, and enhance internal controls. CFOs use technology to gain insights into financial data, support strategic decision-making, and drive organizational growth. The ability to leverage technology is critical for success in financial leadership. CFOs are expected to be strategic leaders who analyze data, think critically, and collaborate effectively across departments. They must also stay informed about trends in financial management, regulatory compliance, and risk management to ensure their organization's financial health. Explore the challenges CFOs face in today's business environment.

Where Do CAOs and CFOs Fit in Your Organization?

Understanding the specific needs of your organization is crucial when determining the structure of your financial leadership. Factors like company size, industry, and overall business goals play a significant role in deciding whether you need a CAO, a CFO, or both. Let's explore how these roles adapt to different organizational structures.

Company Size and Structure: Finding the Right Fit

The size of your company often dictates the structure of your finance department. In smaller companies, one person might wear multiple hats, managing both the day-to-day accounting tasks and the higher-level financial strategy. This means a single individual could effectively serve as both CAO and CFO, streamlining operations and keeping costs down. As a company grows, the demands of these two distinct roles often become too much for one person to handle. Larger organizations usually benefit from having both a CAO to manage the intricacies of accounting and a CFO to steer the company's overall financial direction. This division of labor allows for specialized expertise and more effective management of complex financial operations. Deciding whether to hire internally or outsource your CFO needs is another consideration as your business scales. You can learn more about our managed accounting services to see if they're a good fit for your business.

When to Consider Hiring a CFO

Knowing when to bring a CFO on board can be tricky. It’s not always about hitting a specific revenue number, but more about recognizing when your business needs strategic financial guidance. If you find yourself constantly putting out financial fires instead of focusing on growth, or if you're struggling to secure funding or manage investor relations, it might be time to consider a CFO. A CFO can bring much-needed expertise in financial planning, risk management, and fundraising, freeing you up to focus on other aspects of your business. Even if you're not ready for a full-time CFO, exploring fractional CFO services can provide access to high-level financial expertise on a more flexible basis.

Consider a CFO when your financial operations are becoming increasingly complex. This complexity could stem from rapid growth, expansion into new markets, or the need for more sophisticated financial reporting. A CFO can help you develop robust financial systems and processes to manage this complexity and ensure your business remains financially stable. They can also provide valuable insights into market trends and competitive landscapes, helping you make informed decisions that drive growth and profitability. If you're unsure whether you're ready for a CFO, consider contacting us for a consultation.

The Value of a CFO in Different Sized Companies

The value a CFO brings isn't limited to large corporations. Increasingly, mid-sized and even small businesses are recognizing the benefits of having a CFO, viewing it as a strategic investment. While some experts suggest that companies with $10 million in annual revenue should consider a full-time CFO, the need can arise much earlier. Even smaller companies can benefit from the strategic financial guidance a CFO provides, helping them build a solid financial foundation for future growth. This can be especially crucial in the early stages of a business, when sound financial management is critical.

In larger companies, CFOs play a crucial role in managing complex financial operations, developing long-term financial strategies, and communicating with investors and stakeholders. They provide leadership and oversight for the entire finance function. For mid-sized companies, a CFO can help improve financial processes, forecasting, budgeting, and secure funding for growth. Even small businesses can benefit from the expertise of a fractional CFO, who can provide strategic guidance. This allows smaller companies to access high-level financial expertise without the commitment of a full-time salary. If you're interested in learning more about how a CFO can benefit your business, explore FinOptimal's managed accounting services.

Industry-Specific Roles: What to Expect

Industry plays a significant role in shaping the responsibilities of CAOs and CFOs. In highly regulated industries like healthcare or finance, the CAO’s role in compliance and risk management becomes even more critical. They work closely with regulatory bodies, ensuring the company adheres to all applicable laws and regulations. This allows the CFO to focus on long-term financial planning and strategic decision-making. In other industries, such as tech startups, the CFO might be more hands-on with fundraising and investor relations, while the CAO ensures accurate financial reporting to support these efforts. The specific division of labor between these roles will depend on the unique demands of the industry and the company's strategic priorities. As CFO responsibilities expand, CAOs often take on tasks previously handled by CFOs, demonstrating the adaptable nature of these roles in response to industry demands. This evolution highlights the importance of clearly defining roles and responsibilities within each organization to ensure efficient financial management.

Financial Leadership in the Modern Age

The roles of Chief Accounting Officer (CAO) and Chief Financial Officer (CFO) are constantly evolving, particularly with the rise of technology, increasing regulatory complexities, and the need for strategic business partnerships. These shifts demand adaptability and a forward-thinking approach to financial leadership.

Tech and Data: Powering Financial Management

Technology has revolutionized financial processes, offering automation tools and advanced data analytics capabilities. CFOs can leverage these tools to streamline operations, improve accuracy, and gain valuable insights from data. Tasks like invoice processing and financial reporting can be automated, freeing up time for strategic decision-making, like identifying growth opportunities and maximizing organizational value. This shift allows CFOs to act as strategic advisors, contributing to high-level business strategy. Similarly, CAOs can use automation to improve the efficiency of core accounting functions, ensuring data accuracy and timely reporting. This allows CAOs to provide CFOs with reliable data for strategic planning and decision-making.

Leveraging Technology for Financial Insights

Technology has revolutionized how finance professionals operate, offering powerful tools for automation and advanced data analytics. CFOs can leverage these tools to streamline operations and improve the accuracy of financial data, gaining deeper insights into financial performance. Think about automating tasks like invoice processing and financial reporting. This not only saves time but also frees CFOs to focus on strategic decision-making, like identifying growth opportunities and maximizing organizational value. This shift empowers CFOs to act as strategic advisors, contributing to high-level business strategy.

The Role of Automation in Modern Finance

Automation plays a crucial role in modern finance, particularly for CAOs. By automating core accounting functions, CAOs can significantly improve efficiency, ensure data accuracy, and deliver timely reporting. This creates a solid foundation of reliable data, which CFOs can then use for strategic planning and informed decision-making. This collaboration, facilitated by automation, strengthens the overall financial health of the organization and allows for more proactive financial management. For companies looking to explore automation solutions, resources like FinOptimal's Accruer software offer valuable tools and insights.

Compliance and Risk Management: Staying Ahead of the Curve

The regulatory landscape is becoming increasingly complex, placing greater responsibility on financial leaders to ensure compliance. CFOs play a crucial role in overseeing the implementation of financial management software and cloud-based solutions that streamline processes and enhance compliance efforts. These tools help manage risk and maintain accurate financial records in the face of evolving regulations. CAOs work closely with CFOs to ensure smooth operation of finance and accounting functions, contributing to a robust compliance framework. This collaboration is essential for maintaining financial integrity and mitigating potential risks.

Strategic Partnerships: Driving Business Growth

Beyond traditional financial management, CFOs are now expected to act as strategic business partners. They provide financial insights and guidance to support overall business strategy and drive growth. Think of the CFO as the captain of a financial jet, charting the course for long-term success. This involves fostering a collaborative environment that encourages diverse thinking and enables informed decision-making. Building a strong team and promoting open communication are crucial for success in this expanded role. This collaborative approach ensures alignment between financial strategies and overall business objectives.

The Future of Finance: Are You Ready?

The financial landscape is constantly evolving, demanding that financial professionals adapt and embrace new technologies and strategies. This evolution impacts both the strategic and tactical aspects of financial management, requiring a dynamic interplay between the CAO and CFO.

What's Next in Financial Management?

The role of the CFO is transforming, with increasing reliance on solution providers to drive innovation and efficiency. CFOs are now expected to lead the adoption of financial management software and cloud-based solutions that streamline operations and provide valuable data insights. This shift allows CFOs to move beyond traditional number-crunching and focus on strategic decision-making, such as identifying growth opportunities and maximizing organizational value. Automation plays a crucial role in this transformation, freeing up CFOs to concentrate on high-level strategic initiatives. At FinOptimal, we help businesses understand and implement these technologies, ensuring they select the right solutions for their specific needs. Learn more about our Accruer software and managed accounting services to see how we can support your financial transformation.

Balancing Act: Tactical vs. Strategic Focus

As the CFO's strategic responsibilities expand, the CAO's role becomes increasingly important in maintaining smooth financial operations. The CAO and CFO must work closely together, ensuring alignment between the tactical execution of accounting functions and the overall financial strategy. This collaboration fosters a supportive and collaborative environment within the finance team, enabling diverse thinking and efficient problem-solving. The CAO's focus on day-to-day operations allows the CFO to dedicate more time to higher-level strategic initiatives, driving growth and innovation. This balanced approach is essential for navigating the complexities of the modern financial landscape. This balanced approach, aided by clear communication and shared goals, is essential for success in today's financial world. If you're interested in learning more about how FinOptimal can help your organization achieve this balance, please contact us. We also offer a partnership program for businesses looking to expand their service offerings. And if you're a passionate finance professional seeking new opportunities, explore our careers page.

Related Articles

Login Button

Frequently Asked Questions

Is it necessary to have both a CAO and a CFO?

Not every company needs both roles. Startups and smaller businesses often combine the responsibilities under one title. As a company grows and its financial operations become more complex, separating the strategic (CFO) and tactical (CAO) functions becomes more beneficial. It really depends on the specific needs and resources of your organization.

How can automation improve the collaboration between the CAO and CFO?

Automation streamlines many routine accounting tasks, giving the CAO more time to analyze data and provide the CFO with valuable insights. This frees up the CFO to focus on strategic planning and decision-making, fostering a more collaborative and efficient relationship. It also reduces the risk of errors, ensuring the CFO works with reliable data.

My company is growing rapidly. How do I know when it's time to hire a CAO or CFO?

Look for signs of strain within your current financial team. Are they struggling to keep up with day-to-day accounting tasks and long-term financial planning? Are reporting delays hindering strategic decision-making? If so, it might be time to consider bringing in a CAO or CFO. Consider also your company's growth trajectory and future funding needs. A strong financial leader is essential for navigating these challenges.

What are the key skills to look for when hiring a CFO in today's business environment?

Beyond strong financial acumen, look for a CFO who embraces technology, understands data analytics, and can communicate effectively with stakeholders. They should be a strategic thinker who can align financial decisions with overall business goals. Experience in your specific industry is a plus, as is a proven track record of navigating complex financial situations.

How can a company ensure its financial leadership stays adaptable in a constantly changing environment?

Continuous learning is key. Encourage your financial leaders to stay informed about emerging technologies, regulatory changes, and industry best practices. Invest in professional development opportunities and create a culture of innovation within your finance team. Consider partnering with external experts to gain fresh perspectives and stay ahead of the curve.

Rick Richardson
Guest Author & Podcast Investor

Stay up to date with our latest blog posts, podcasts and news

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Featured Blogs