A fictitious product where a user can share their expertise to earn hours. The hours can then be borrowed from another user to gain the others expertise in a specific area. For example, if Samantha helps Jamie with her skills in graphic design for 3 hours, Samantha earns the 3 hours to her bank. Then Jamie helps Samantha with her skills with content editing for 1 hour. Samantha’s bank is then deducted the 1 hour and she has 2 hours remaining in her bank.