Rachel is due to receive two payments from an insurance company. She will get $1,000 exactly one year from today, and $2,000 two years from today. Instead of the two payments, the insurance company is willing to settle the account by making one lump-sum payment to Rachel today. The insurance company applies a 6% discount rate for the one year cash flow and a 8% discount rate for the two-year cash flow. What dollar amount will Rachel receive today?
Answers
Rachel will receive a lump-sum payment of $2,597.25 from the insurance company today to settle the account . The total present value is $2,597.25, which represents the equivalent value of the future cash flows in today's dollars.
To calculate the lump-sum payment that Rachel will receive today from the insurance company, we need to discount the future cash flows to their present values using the provided discount rates.
The present value of the $1,000 payment due in one year can be calculated by dividing the future cash flow by (1 + discount rate)^time period, while the present value of the $2,000 payment due in two years can be calculated in the same way, but using the corresponding discount rate and time period. Finally, we sum up the present values of both cash flows to determine the total amount that Rachel will receive today.
Let's calculate the present values:
Present value of $1,000 (due in one year):
PV1 = $1,000 / (1 + 0.06)^1 = $943.40
Present value of $2,000 (due in two years):
PV2 = $2,000 / (1 + 0.08)^2 = $1,653.85
Total present value:
PV_total = PV1 + PV2 = $943.40 + $1,653.85 = $2,597.25
Therefore, Rachel will receive a lump-sum payment of $2,597.25 from the insurance company today to settle the account.
The calculation of present value involves discounting future cash flows to their equivalent value in today's dollars, taking into account the time value of money. In this case, the discount rates provided are 6% and 8% for one year and two years, respectively. The discount rates reflect the opportunity cost of receiving money earlier, compensating for the potential return that could be earned by investing the funds elsewhere.
By discounting the future cash flows, we are essentially accounting for the fact that money received in the future is worth less than the same amount received today. This is because money can be invested and earn returns over time. The higher the discount rate, the greater the weight given to the present value of cash flows, reflecting a higher opportunity cost.
Adding the present values of the two future cash flows allows us to determine the lump-sum payment that Rachel should receive today in order to settle the account. In this case, the total present value is $2,597.25, which represents the equivalent value of the future cash flows in today's dollars.
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Related Questions
The following transactions are July activities of Bennett’s Bowling, Inc. Bennett’s collected $13,100 from customers for games played in July. Bennett’s sold bowling merchandise inventory from its pro shop for $7,700; received $4,000 in cash and customers owed the rest on account. [Consider only the effect on revenue here. Do not consider cost of goods sold for this question. ] Bennett’s received $1,500 from customers who purchased merchandise in June on account. The men’s and ladies’ bowling leagues gave Bennett’s a deposit of $3,200 for the upcoming fall season. Bennett’s provided to customers bowling merchandise inventory costing Bennett’s $3,090. (Consider only the effect on cost of goods sold [expense] here. ) Bennett’s paid $1,500 on the electricity bill for June (recorded as an expense in June). Bennett’s paid $5,300 to employees for work in July. Bennett’s purchased $1,830 in insurance for coverage from August 1 to November 1. Bennett’s paid $1,800 to plumbers for repairing a broken pipe in the restrooms. Bennett's received the July electricity bill for $2,200 to be paid in August. Prepare an unadjusted income statement for Bennett’s Bowling, Inc. , for the month of July
Answers
Bennett's Bowling, Inc. had a total revenue of $22,300 in July, generated from games played, merchandise sales, and customer payments.
Bennett's Bowling, Inc. Unadjusted Income Statement
For the Month of July
Revenue:
Games Played in July $13,100
Sale of Bowling Merchandise $7,700
Cash from Customers Purchased in June $1,500
Total Revenue $22,300
Expenses:
Cost of Goods Sold (Bowling Merchandise) $3,090
Electricity Expense (June) $1,500
Employee Wages $5,300
Insurance Expense $1,830
Plumbing Repair Expense $1,800
Total Expenses $13,520
Net Income $8,780
Note: The unadjusted income statement only includes the revenue and expense figures without any adjustments or allocations.
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ECONOMICS CHAPTER 2 SECTION 3
explain the relationship between the terms in each of these pairs
A. Private property rights and market
B. laissez-faire and capitalism
C. Specialization and profit
D. Factor market and product market
ECONOMICS CHAPTER 2 SECTION 3
Answers
Private property rights and market is in which people buy and sell resources or goods and services.
Private property rights are the rights of individuals and groups to own property and the market is any place or situation in which people buy and sell resources and goods and services.
Laissez-faire and capitalism-The relation-ship between laissez-faire and capitalism is laissez-faire is an economic philosophy of free-market capitalism that opposes government intervention.
Specialization and profit- The relation-ship between specialization and profit is the companies specialize in making one product or one component of a product, if this product will make at large scale, companies reduces it's cost to earn profit.
Factor market and product market- The relation-ship between Factor market and product market is the factor market is running by the demand of product market. The product market is sold their goods and services with the demand of factor market to production these goods and services.
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Which best describes a mixture?
ООО
It has a single composition, and it has a set of characteristics that does not change.
It can have different compositions, but it has a set of characteristics that does not change.
It has a single composition, but it has a set of characteristics that does change.
It can have different compositions, and it has a set of characteristics that does change.
Answers
Answer: it can have different compositions, and it has a set of characteristics that does change.
Explanation:
A mixture is form when other substances are being mixed together. In such scenario, it has different composition and it characteristics are been altered.
Therefore, the option that best describes a mixture is option D "It can have different compositions, and it has a set of characteristics that does change"
Answer:
D.
Explanation:
True or false: aggregate production is final goods and services produced in every industry in an economy.
Answers
True, aggregate production is final goods and services produced in every industry in an economy.
What is aggregate production?An economy's physical capital stock, labor hours, human capital, knowledge, natural resources, and social infrastructure are all combined via the aggregate production function to produce output (real GDP). The basic tenet of the production function is that more input results in more output. Utilizing inputs such as capital, labor, human capital, and technology, the aggregate production function enables us to calculate the output of an economy. Numerous tools are used by economists to assess economic growth and productivity. The function for aggregating production is one of these tools. It turns economic inputs like labor and raw materials into a formula that predicts the output of the goods or services produced. The formula for this computation is called the Cobb-Douglas production function.
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Which type of business organisation is the most suitable for a large electronics
manufacturer?
A. partnership
B. private limited company
C. public limited company
D. sole trader
Answers
Answer:
C. public limited company
Explanation:
A public limited company is a business ownership structure that provides a legal distinction between the business and its owners. The company is a legal person with the right to do business, acquire assets or incur liabilities. Unlike a private limited company, public limited company shares trade with ease at the stock exchange.
Due to their listing in the stock exchange, public limited companies can raise capital with much ease. The corporation only needs to comply with the regulation of the stock market to raise more finances. Public limited compies are suited for large organizations that require huge capital to finance their operations and expansions.
All procurement documents should be in _____ form in order to facilitate accurate and complete responses from prospective sellers.
Answers
All procurement documents should be in a standardized form in order to facilitate accurate and complete responses from prospective sellers.
The use of a standardized form ensures that all relevant information is included in the procurement document, thereby reducing the likelihood of misunderstandings or incomplete responses. Standardized forms also help to ensure that all bidders are evaluated on the same criteria, which promotes fairness and transparency in the procurement process. This can help to reduce the risk of challenges or disputes from unsuccessful bidders, and ultimately result in a more efficient and effective procurement process.
In addition, standardized procurement documents can help to streamline the procurement process, making it easier for both the buyer and the seller to navigate. This can help to reduce the time and resources required to complete the procurement process, which can ultimately result in cost savings for both parties.
Overall, the use of standardized procurement documents is essential in order to ensure a fair, transparent, and efficient procurement process. By using standardized forms, buyers can ensure that they receive accurate and complete responses from prospective sellers, and that all bidders are evaluated on the same criteria. This ultimately leads to better procurement outcomes for all parties involved.
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How much amortization expense is included in kingbird income for the year ended december 31, 2019? New questions in Business.
Answers
The main answer to your question is that I cannot provide you with the exact amount of amortization expense included in Kingbird income for the year ended December 31, 2019 without more information.
In order to determine the amount of amortization expense included in Kingbird income for the year ended December 31, 2019, we would need access to Kingbird's financial statements for that period. Amortization is an accounting term that refers to the allocation of the cost of an intangible asset over its useful life. Examples of intangible assets that may be subject to amortization include patents, copyrights, trademarks, and goodwill.
Typically, amortization expense is reported in the income statement as a separate line item or as part of the cost of goods sold or operating expenses. However, the specific accounting treatment for amortization may vary depending on the company's accounting policies and the nature of the intangible assets involved.
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when there is damage to dna there are several mechanisms by which the damage can be repaired. T/F?
Answers
(True)These repair mechanisms play crucial roles in maintaining the stability and integrity of the genome. However, it's important to note that while these mechanisms are highly efficient, they are not perfect, and some DNA damage may escape repair or be repaired with errors.
When there is damage to DNA, several mechanisms are available for repairing the damage. The cell has evolved multiple pathways to detect and repair different types of DNA damage to maintain the integrity of the genetic material. These repair mechanisms are essential for the cell's survival and the prevention of genetic mutations that can lead to diseases such as cancer.
Some of the common DNA repair mechanisms include:
1. Base Excision Repair (BER): This mechanism repairs small, non-bulky DNA lesions such as damaged or mismatched bases.
2. Nucleotide Excision Repair (NER): NER repairs larger DNA lesions such as those caused by UV radiation or certain chemicals.
3. Mismatch Repair (MMR): MMR corrects errors that occur during DNA replication, such as the insertion or deletion of bases.
4. Homologous Recombination (HR): HR repairs DNA double-strand breaks by using an undamaged DNA molecule as a template.
5. Non-Homologous End Joining (NHEJ): NHEJ rejoins DNA ends that are broken, such as those resulting from double-strand breaks.
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What is TRUE about non-depository financial institutions?
Answers
Non-Depository financial institutions are those institutions that provide various financial assistance. These institutions serves as an intermediaries between borrowers and savers. ... The non-depository financial institutions include commercial banks, credit unions, and saving banks. Therefore, option D is correct
What is an employee incentive aimed at young parents?
Question 23 options:
employee college reimbursement
company provided child care
employee gym membership
discounts at expensive restaurants
Answers
What report shows which web pages get the most traffic and highest engagement?.
Answers
The web pages get the most traffic and highest engagement can be gotten from the all pages report.
All pages reportThe All Pages report is used to display data using different engagement metrics such as number of page views, average time on page, entrances, bounce rate, and exit rate. Therefore the web pages get the most traffic and highest engagement can be gotten from the all pages report.
The All Pages report displays the top pages on your website based on traffic.
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A key assumption of the supply and demand model is that: firms will continue to raise prices until profits become positive. each firm produces at a level of output at which price exceeds marginal cost. each firm's good is unique and cannot be duplicated by other firms in the market. each firm in the market produces an identical good.
Answers
Answer:
each firm in the market produces an identical good.
Explanation:
In the case of the supply and demand model there is a key assumption that tells that each & every firm in the market would generate or produce the same kind of good as it produced homogenous product instead producing different kind of goods
So according to the given situation the last option is correct
ANd the rest of the options would be wrong
which statement describes a main advantage of using cash over other forms of payment
Answers
The main advantage of using cash over other forms of payment is that its eliminates the possibility of overspending.
How does cash eliminates overspending?While doing a physical transaction, there will not be a situation of overspending because the person can not purchase more than the cash value he/she has on him/her.
Hence, the main advantage of using cash over other forms of payment is that its eliminates the possibility of overspending.
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What is the difference between traditional manufacturing and a cottage
industry?
A. Manufacturing is done on a lower scale.
B. Manufactured products are better quality.
C. Manufactured items are worth more.
D. Manufacturing is done on a larger scale.
SUBMIT
Answers
Answer:
its a D
Explanation:
The difference between traditional manufacturing and a cottage industry is manufacturing is done on a larger scale. Thus, option D is correct.
What is cottage industry?A cottage industry is a small manufacturing company run by an individual or family, usually from their house rather than a specially constructed facility. The minimal expenditure needed to launch a cottage industry serves as its defining characteristic.
They frequently concentrate on making labor-intensive goods but have a tough time competing with manufacturers of mass-produced goods who operate factories. The original cottage industries in the U.S. and Europe were light manufacturing businesses that performed subcontracted work in shoemaking, minor metal machine components, textile or garment production, or stitching. These small-scale companies frequently used raw materials provided by the contract supplier to make final goods.
Therefore, we can conclude that option D is correct.
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Opportunity, profit, independence, and challenge are some reasons people are willing to take the risks of being a(n)
Answers
Answer: entrepreneur
Explanation:
which of the following is an offline example of earned media: d a. direct mail b. company blog c. online product reviews d. offline word-of-mouth
Answers
An offline example of earned media is d. offline word-of-mouth. This refers to the promotion of a brand or product through conversations and recommendations made by individuals in person, rather than through online channels.
Word-of-mouth can be a powerful tool in influencing consumer behaviour, as recommendations from friends, family, or colleagues are often perceived as more trustworthy than other forms of advertising. When it comes to earned media, it is important to note that it is different from paid or owned media. Paid media involves advertising through channels such as TV, radio, or social media ads, while owned media refers to content created and shared by a brand on its own platforms, such as a company blog or social media page.
Earned media, on the other hand, is the result of organic sharing and promotion by others, such as social media shares or offline word-of-mouth. This is a valuable way to increase brand awareness and reach new customers through the power of personal recommendations.
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To finance a new laptop, emilie is offered a 4 year payment plan with low monthly payments of $33. 60. The cost of the laptop was $884. 39 including tax. Round to one decimal place, if necessary
Answers
Emilie is offered a 4-year payment plan with low monthly payments of $33.60 to finance a laptop that costs $884.39, including tax.
To calculate the total cost of the laptop including financing, we need to multiply the monthly payment by the number of months in the payment plan. Emilie has a 4-year payment plan, which is equivalent to 4 * 12 = 48 months.
The total cost of the laptop with financing is therefore 48 * $33.60 = $1612.80.
However, we are given that the cost of the laptop, including tax, is $884.39. This means that the financing cost is $1612.80 - $884.39 = $728.41.
Rounded to one decimal place, the financing cost is $728.4.
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Individual Assignment 1
MGT 511: Operations Management
Question: Identify a global financial institution that has been successful in the provision and delivery of banking, insurance and other financial services to customers across different countries/regions.
What are the corporate strategic decisions that account for the success of this organization? Can other similar businesses be as successful by implementing such corporate strategies or are there other factors too that need to be taken care of? Explain.
Answers
JPMorgan Chase & Co. is a successful global financial institution due to strategic decisions such as diversification, global presence, technology and innovation, risk management, and talent management.
However, other factors also impact the success of similar businesses. Market conditions, competition, customer trust, and regulatory compliance play crucial roles.
Implementing similar strategies can contribute to success, but adaptation to industry dynamics is vital. The company's success stems from its ability to diversify operations, expand globally, invest in technology, manage risks, and attract top talent.
However, factors like economic conditions, competition, trust, and regulatory compliance also affect success. Implementing these strategies can benefit other financial institutions, but careful consideration of market dynamics is necessary.
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using the aging approach, management estimates that $1,000 of accounts receivable will be uncollectible. the allowance for doubtful accounts has a $100 unadjusted credit balance. the adjusting entry to record estimated bad debts includes a . (check all that apply.)
Answers
"Management expects that 15 of the 100,000 dollars in credit soles will be uncollectible," reads the full statement. The Doubtful Accounts Allowance has a $100 unsecured credit line. The funding entry to record estimated bad debts includes a
debit to Bad Debt Expense of $ 900credit to Allowance for Doubtful Accounts of 900, Option B and FThis is further explained below.
What is bad debt?Generally, A loan or outstanding sum that is no longer considered collectible and must be wiped off is an example of what is referred to as "bad debt."
Because there is always some risk of default that is connected with granting credit, it is inevitable that some debt will become delinquent at some point over the course of conducting business with clients.
In conclusion, Here, the entry in the diary would be -
900 DR. BAD DEBT EXPENSE
CR. DOUBTFUL Accounts Allowance - 900
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Which is the most important decision factor in transportation?
A.capacity
B. Cost
C.capability
D.reliability
Answers
Bonds issued by raxin accounting have a total yield of 11.4% annually, while raxin accounting stocks have a total yield of 14.4% annually. if you invest $2,600 in raxin accounting bonds and $2,000 in raxin accounting stocks, which investment will have a greater return after nine years, and how much greater will it be? a. the bonds will show a profit that is $75.60 greater than that of the stocks. b. the bonds will show a profit that is $67.60 greater than that of the stocks. c. the stocks will show a profit that is $8.00 greater than that of the bonds. d. the stocks will show a profit that is $524.40 greater than that of the bonds.
Answers
If amounts of $2600 and $2000 are invested in raxin accounting bonds and stocks respectively, bonds will give a return over such investment that is more than $158 compared to that of stocks.
What is return on investment?Using the given information, it can be calculated that the returns generated by bonds over an investment of $2600 for nine years will be $6870; whereas that for stocks will be $6712 for an investment of $2000.
\(\rm Better\ Return\ on\ Investment= Returns\ over\ Bonds – Returns\ over\ Stocks\\\\\rm Better\ Return\ on\ Investment= 6870-6712\\\\\rm Better\ Return\ on\ Investment= \$158\)
Hence, it has been computed that bonds have a generated a better return on investment at the rate of 11.4 percent for a period of nine years that is more by $158 than that of returns by stock investments.
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Answer:
Its A) 75.60 greater than that of stocks
Explanation:
ON EDGE
Which statement below is something that political machines and the settlement house movement did not have in common? (1 point)
They operated at the neighborhood level.
Their leaders were admired by local citizens.
They provided assistance to immigrant families
Their leaders won international acclaim.
Answers
Answer:
Their leaders won international acclaim.
Explanation:
under the sales article of the ucc, when a written offer has been made without specifying a means of acceptance but providing that the offer will only remain open for ten days, which of the following statements represent(s) a valid acceptance of the offer? i. an acceptance sent by regular mail the day before the ten-day period expires that reaches the offeror on the eleventh day. ii. an acceptance faxed the day before the ten-day period expires that reaches the offeror on the eleventh day, due to a malfunction of the offeror's printer.
Answers
Option ii- Due to a printer malfunction, an acceptance sent the day before the ten-day deadline expires reaches the offeror on the eleventh day would be the valid statement.
Under the UCC, an offer to buy or sell goods can be accepted in any reasonable manner, unless the offeror specifies a particular means of acceptance. This means that the offeree can accept the offer by mail, email, fax, telephone, or any other reasonable method.
If an offer specifies a time limit for acceptance, the acceptance must be made within that time limit to be effective.
If the offeree fails to accept within the specified time limit, the offer lapses and cannot be accepted later unless the offeror renews the offer.
When it comes to determining whether an acceptance was timely, the UCC generally applies a "mailbox rule" that deems an acceptance to be effective when it is dispatched.
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What would be the best decision: To rent month-to-
month until you get a job, or to go ahead and sign a
lease for two years?
O Rent month to month.
O Sign the lease.
Answers
Answer:
Sign the lease.
The traditional management accounting methods are not capable any more to provide the requirements emerged from the subsequent changes in the modern industry environment, or to meet its needs of accounting information. So, it becomes necessary that management accounting copes with changes in the modern industry environment through developing the traditional methods or inventing new techniques that is in line with the changes in the environment of modern industry, and meets its requirements especially with regard to accounting information. (Ahmad Saleem Tarawneh and Ziad Odeh Al-Aamaidh, 2015) Describe four (4) criticisms of traditional management accounting that led to the evolution of management accounting practises and briefly explain the main reason for the changes in management accounting over the last decades.
Answers
Four criticisms of traditional management accounting that led to the evolution of management accounting practices are:
Overemphasis on financial measures: Traditional management accounting focused primarily on financial measures such as profit and loss, disregarding non-financial factors like customer satisfaction and employee performance. This limited perspective failed to provide a comprehensive view of organizational performance.
Lack of relevance and timeliness: Traditional management accounting reports were often backward-looking and provided information that was not timely or relevant for decision-making. Managers required real-time, forward-looking data to respond quickly to changing business conditions.
Inflexibility and standardization: Traditional management accounting practices relied on rigid budgets and standard costing systems, which hindered adaptability and responsiveness to dynamic environments. These methods were not suitable for businesses operating in rapidly changing markets.
Insufficient focus on value creation: Traditional management accounting mainly focused on cost reduction and control rather than value creation. This approach hindered innovation, strategic decision-making, and the ability to identify and exploit new opportunities.
The main reason for the changes in management accounting over the last decades is the evolution of the business environment. Factors such as globalization, technological advancements, increased competition, and changing customer demands have necessitated a shift in management accounting practices. The changes aim to provide managers with relevant, timely, and forward-looking information that enables better decision-making, performance evaluation, and value creation in a dynamic and competitive marketplace.
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The three parts of an income statement heading are _____.
who
when
where
what
motivation of 50. also last year trying to get rid of them. Have a good day :D
Answers
Answer:
Who,When,What
Explanation:
Please help this is the final.
Identify a minimum of two ways companies compete for your money. In a minimum of five sentences each, explain in what way each of those tactics has been proven to be successful.
Answers
Answer:
here's your answer below
Explanation:
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.
Answer:
They compete by giving better bundels or lowering prices.
Explanation:
They do that because people usually want a better price so if their the same thing then someone would want to go to a store with cheaper options.
Consider the answers to the following questions ….
A survey of one thousand employees were asked to rank what was important to them. Their rankings of "job reward" factors are below: Interesting work Full appreciation of work done A feeling of being in on things Job security Good wages Promotion and growth in the organization Good working conditions Personal loyalty to employees Tactful discipline Sympathetic help with personal problems
Supervisors’ rankings of the same factors follow, from most valuable to least valuable. Good wages Job security Promotion and growth in the organization Good working conditions Interesting work Personal loyalty to employees Tactful discipline Full appreciation of work done Sympathetic help with personal problems A feeling of being in on things
1. First, do you believe that these lists are still accurate? If yes, why. If not, what is missing or doesn’t ring true anymore?
2. In both lists we can see intrinsic and extrinsic motivators, as well as needs across the Maslow Hierarchy. Review these lists and discuss where and how the Equity Theory can apply as well.
3. Finally, looking at both of these lists, identify the Top 10 factors that motivate YOU the most. You may include any relevant factors from the lists above and/or add those factors that are most important to you. What are they, and why are they important to you?
Answers
1. The lists above do reflect values that are important to most employees in the present day. This is because a lot of employees today still rank interesting work, appreciation of work done, being in on things, job security, good wages, promotion and growth in the organization.
2. The Equity Theory can apply to both lists above because it is based on the idea that people evaluate the fairness of their treatment in a job relative to others.
3. Here are the Top 10 factors that motivate me the most:
a,Interesting work: I get bored very easily and am always looking for something challenging to do.
b, A feeling of being in on things: I like being part of a team and c, collaborating with others.Job security: I want to be able to rely on my job for financial stability.
d, Good wages: I want to be able to earn a decent living.
e, Promotion and growth in the organization: I want to be able to develop my skills and advance my career.
f, Good working conditions: I want to be able to work in a comfortable environment.
g, Personal loyalty to employees: I want to feel like my employer values me as a person.
h,Tactful discipline: I want my employer to be able to discipline me in a respectful and professional manner.
i, Full appreciation of work done: I want my employer to acknowledge my achievements.
j, Sympathetic help with personal problems: I want my employer to be understanding and supportive when I have personal issues that affect my job performance.
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Which of the following are signs of a person being in credit distress?
A. Writing a check to make debt repayment
B. Making all debt repayments in full
C. Only making minimum payments on credit cards each month
D. Paying-off an automobile loan 12 months early
Answers
Only making minimum payments on credit cards each month.
What's a distressed borrower?A distressed borrower is a borrower who is unable to completely repay their debt on time, due to economic difficulties. A distressed borrower can be both someone or an enterprise whose profits fall because of unexpected circumstances.
What takes place in monetary distress?Monetary misery is a condition wherein an agency or man or woman can not generate sufficient revenues or profits, making it unable to fulfill or pay its monetary obligations. That is generally because of high fixed costs, a big diploma of illiquid property, or sales sensitive to financial downturns.
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__________ are typically responsible for establishing strategic goals and plans.
Answers
Senior executive or top-level management are typically responsible for establishing strategic goals and plans within an organization.
A senior executive is a high-level professional who holds a position of significant authority and responsibility within an organization. They typically occupy top-level positions such as Chief Executive Officer (CEO), Chief Financial Officer (CFO), Chief Operating Officer (COO), or President. Senior executives are responsible for making crucial strategic decisions, setting organizational goals, managing operations, and overseeing the performance of their respective departments. They often play a key role in shaping the company's vision, implementing business strategies, driving growth, and ensuring overall success. Senior executives possess a combination of leadership, management, and industry expertise to guide the organization towards its objectives.
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