Disability insurance is the type of insurance that reimburses income lost because of a person's inability to work.
The correct answer is C.
This type of insurance policy is typically bought by people who work for a living and rely on their salary to cover their daily expenses. This type of policy is designed to replace a portion of the individual's income if they become disabled and can't work anymore.The amount of money paid out by the policy varies based on the type of disability and the policy's terms and conditions. Some policies may only pay out if the person can't work at all, while others may pay out if the person can only work part-time or in a different job. Disability insurance is particularly important for people who work in high-risk jobs or have a history of chronic illness.
The policy can help them protect their income and maintain their standard of living in case of unexpected disability. People who are interested in disability insurance should speak with an insurance agent to learn more about their options and get a policy that meets their needs.
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QUESTION 4 Risk Management: The following phrase defines/explains Tier 1: • Tier 1 addresses the risk of an organization from the view of establishing and implementing a Governance structure that are inline with the strategic goals and objectives of organizations and the requirements defined by federal laws, directives, policies, regulations, standards, and missions/business functions. It also defines the following: o Structure • Establish the risk management strategy • Governance True O False
True By doing so, Tier 1 ensures that risk management is embedded in the organization's decision-making processes and aligns with its strategic direction.
The statement is true. Tier 1 in risk management refers to the level that focuses on establishing and implementing a governance structure aligned with the strategic goals and objectives of the organization. It involves ensuring compliance with federal laws, directives, policies, regulations, standards, and missions/business functions. Tier 1 is responsible for defining the risk management strategy and governance framework within the organization. This includes setting up the necessary structures and processes to effectively manage risks and ensure that risk management practices are integrated into the overall governance framework
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Suppose that in 2014, currency in circulation was $950 billion, required reserves were $60 billion, and excess reserves were $840 billion. At that time, the Federal reserve extended $70 billion in discount window loans to the banking system. The monetary base was ____ billion?
The monetary base was $830 billion.
Monetary base refers to the total amount of money in circulation in an economy. It consists of two components: currency in circulation and reserves held by commercial banks with the central bank. The central bank controls the monetary base, and it plays a crucial role in determining the money supply and other key economic variables such as inflation.
To calculate the monetary base, you need to add the currency in circulation and the reserves of commercial banks with the central bank. However, discount window loans are not included in the monetary base, even though they increase the reserves of commercial banks.
In this particular case, the currency in circulation was $950 billion, and the total reserves were $900 billion, consisting of $60 billion in required reserves and $840 billion in excess reserves. However, there were also $70 billion in discount window loans.
Therefore, the actual monetary base was calculated by subtracting the discount window loans from the total reserves, which gives us:
Monetary Base = Reserves - Discount window loans
Monetary Base = $900 billion - $70 billion
Monetary Base = $830 billion
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what is the disadvantages of uber eats in fast food industry
Answer:
One disadvantage would be the decrease in revenue from normal fast food restaurants, as getting your food delivered would decrease the amount of people who dine in
Explanation:
Answer:
uber eats perks
Explanation:
can be in form of a written summary of the findings of a required investigation or a particular problem
A) presentation
B) itinenaries
C) reports
D) notices
the united auto workers is an example of a(n) union.craft industrial occupation and associational
The United Auto Workers is an example of an industrial union. It is based in Detroit, Michigan, and it represents workers in the United States, Canada, and Puerto Rico.
The United Automobile Workers (UAW), officially known as the International Union, United Automobile, Aerospace and Agricultural Implement Workers of America, also known as the United Automobile, Aircraft and Agricultural Implement Workers of America (1941–62) and the United Automobile Workers of America (1935–41), is a North American industrial union for workers in the automotive and other vehicular industries. The Committee for Industrial Organization (CIO) made attempts to organize workers in the automotive industry, which led to the formation of the United Automobile Workers. Representatives of the automotive industry refused to compromise up until the National Labor Relations Act (Wagner Act) was passed in 1935. In retaliation, the rank-and-file organizers of the union planned "sit-down" strikes that were similar to those that had been successful in France.
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This communication channel is typically used to provide an audience with information about a product or service, usually for informational or persuasive purposes. It is a one-way communication in a visual medium.
Answer:
Online advertisement
Explanation:
In the ever-increasing technological world, online advertising is an extremely elaborate solution for the sale of any item or service or for the information about that item or service.
The use of online advertisements is usually an elaborate way of providing detailed information about goods and services in which information about goods and services is provided to individuals viewing through movable images, communication in the online advertising technological world.
This is a large medium of information as well as it is also a proper means of giving unilateral information.
The tragedy of the commons will be evident when a growing number of sheep grazing on the town commons leads to a destruction of the grazing resource. To correct for this problem, the town could?.
To correct for this problem, the town could auction off a limited number of sheep grazing permits.
Define grazing.In agriculture, grazing is a method of animal husbandry where domestic livestock are allowed to roam outdoors and consume wild vegetations to convert the otherwise indigestible (by human gut) cellulose within grass and other forages into meat, milk, wool, and other animal products, frequently on land unsuited for arable farming.
To maximize productivity, farmers can use a variety of grazing techniques, such as rotational grazing within a grazing period, seasonal grazing, or continuous grazing. Ley farming, which alternates arable and fodder crops, rest rotation, postponed rotation, and mob grazing, which gives grasses more time to recuperate or leaves land fallow, are examples of farming methods that use longer rotations.
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Demand for C&A Resort has a seasonal pattern. Total demand next year is expected to be 1,525. Given the historical data of last two years, what is the forecast for summer next year?Season Year 1 Year 2Fall 352 391Winter 156 212Spring 489 518Summer 314 352
Based on the historical data for the last two years, it is possible to estimate the demand for C&A Resort in the coming summer. The demand for the resort has a seasonal pattern, which means that the demand in each season is not the same.
To make a forecast for the summer next year, we can look at the demand in the summer season for the last two years. According to the historical data, the demand for the resort in the summer season was 314 in Year 1 and 352 in Year 2.
To make a forecast for the summer season next year, we can use a time series forecasting method such as exponential smoothing or ARIMA. These methods will help us to identify any trends in the data and make a forecast for the coming year.
Without using any forecasting methods, we can make a rough estimate by assuming that the seasonal pattern will repeat itself next year.
We can estimate the demand for the summer next year to be somewhere between 314 and 52, with the average being around 333.5. This rough estimate can serve as a baseline for further analysis using advanced forecasting methods.
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now suppose that exactly five years have passed (you made the 60th repayment yesterday). a rival lender offers to refinance your loan at a fixed rate of 5% p.a. (compounding monthly). costs associated with this refinancing amount to $2,000. should you refinance? you can assume the new loan has a term of either 25 or 30 years.
Undoubtedly, I should refinance. The reason is that I would effectively pay only $556 per month instead of the $600 I would have to pay over the next 300 months, after subtracting the refinancing costs ($2,000).
a) monthly payments will be = $600.00
Calculation:
100000 / PVIFA(0.005,360) = 100000 / 166.79 = 599.56 = 600
b) Yes, I should refinance.
The reason is that, after deducting the cost of refinancing ($2,000), I would effectively pay only $556 per month instead of the $600 I would have to pay over the next 300 months.
Calculations:
The balance of the loan following the 60th installment will be the amount for which refinancing is necessary.
It would be:
⇒ 100000 * (1.005)60 - 600 * FVIFA(0.005,60)
⇒ 100000 * 1.35 + 600 * 69.77
⇒ 134,885 - 41862 = 93,023
The total loan amount after the $2000 in fees is 95,023
For the remaining 300 months, there will be a monthly payment with a 5% annual percentage rate.
⇒ 95023 / PVIFA(0.004167,300)
⇒ 95023 / 171.05
⇒ 555.53 = $556
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Opportunity costs ______. are benefits that are given up when selecting one alternative over another are uncommon in decision making should be considered in decision making are part of traditional accounting records
Answer: are benefits that are given up when selecting one alternative over another.
Explanation: When faced with the decision to make a choice between two probable options or the need to give up a certain amount of a product in other to increase production of another, the benefit or choice forgone by opting to go for an alternative is called opportunity cost. Put simply, the cost incurred or loss associated with giving up a certain investment for another.
Opportunity cost can be computed mathematically using the relation:
Opportunity cost = (Return on best forgone option - return on chosen alternative).
Opportunity cost is often considered in other to guide and weigh investment options.
Opportunity costs are benefits that are given up when selecting one alternative over another and should be considered in decision making.
Opportunity cost refers to the value of the best alternative forgone when making a decision. It represents the benefits or profits that could have been obtained by choosing an alternative option. In other words, it's the cost of what you have to give up in order to choose something else.
Understanding opportunity costs is crucial in decision making because it allows individuals and businesses to evaluate the trade-offs involved in various choices. By considering the opportunity cost, one can weigh the potential benefits and drawbacks of different options and make more informed decisions.
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Task 4) You buy a 9% coupon, 17-year maturity bond, which was issued in 2018. The yield to maturity is 10%. a) Is this a discount or a premium bond? Explain your answer! b) What is the price of the bo
a) The bond is a discount bond because the yield to maturity is greater than the coupon rate. The coupon rate is 9% while the yield to maturity is 10%. Therefore, the bond will sell for less than its par value. A bond with a coupon rate less than the yield to maturity is a discount bond. It means that the bond has low price due to low-interest payments.
b) The price of the bond can be calculated using the bond price formula:BP = C * [(1 - (1 / (1 + r) ^ n)) / r] + FV / (1 + r) ^ nWhere:C = coupon paymentFV = face value or par value of the bondr = yield to maturityn = number of years to maturityBP = Bond price Substituting the given values into the formula;C = 9% of FVFV = $1000r = 10% per annumn = 17 yearsBP = 90 * [(1 - (1 / (1 + 0.10) ^ 17)) / 0.10] + 1000 / (1 + 0.10) ^ 17BP = 682.29Therefore, the price of the bond is $682.29.
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Tom borrowed $7640 for 7 months at an interest rate of 6%. The bank alao charges a $200 processing fee. What is the actual annual simple interest rate for this loan? Consider any fees as part of the total interest.
the actual annual simple interest rate for this loan is 6.11%.
To find the actual annual simple interest rate for the loan, we need to first calculate the interest on the loan and then add the processing fee to get the total interest. Then, we can use the formula for simple interest to find the actual annual interest rate. The formula for simple interest is:
I = P × r × t
Where I is the interest, P is the principal, r is the interest rate, and t is the time in years.
Given:
P = $7640
r = 6% = 0.06
t = 7/12 (since the loan is for 7 months)
First, calculate the interest:
I = P × r × t
I = $7640 × 0.06 × (7/12)
I = $266.80
Now, add the processing fee to get the total interest:
Total interest = I + processing fee
Total interest = $266.80 + $200
Total interest = $466.80
Finally, use the formula for simple interest to find the actual annual interest rate:
Total interest = P × r × t
$466.80 = $7640 × r × 1 (since we want to find the annual interest rate)
r = $466.80 / ($7640 × 1)
r = 0.0611
Therefore, the actual annual simple interest rate for this loan is 6.11%.
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Purchasing cruelty free products can have a positive impact on
Answer: Animals
Explanation: just got it right
Whenever inflation rates are overestimated for the life of a loan, creditors lose and debtors gain.
(True or False)
True. If inflation rates are overestimated for the life of a loan, creditors lose and debtors gain. This is because creditors are lending money at a certain interest rate based on an assumed inflation rate, which is the expected increase in prices over time.
When inflation rates are overestimated for the life of a loan, creditors (lenders) lose and debtors (borrowers) gain. This is because inflation erodes the purchasing power of money over time. If inflation rates are overestimated, the actual inflation experienced turns out to be lower than expected. As a result, the real value of the money borrowed decreases, benefiting the debtor.
For example, if a borrower takes out a fixed-rate loan with an interest rate that incorporates an overestimated inflation rate, they effectively repay the loan with money that has a higher purchasing power than anticipated. In other words, they are repaying the loan with "cheaper" dollars. On the other hand, the lender receives back money with less purchasing power than they anticipated when lending the funds, resulting in a loss.
Inflation expectations play a crucial role in financial transactions, particularly in long-term loans or contracts. If inflation turns out to be lower than expected, it can lead to a redistribution of wealth from creditors to debtors. However, if inflation is higher than anticipated, the opposite situation occurs, with creditors benefiting and debtors facing increased repayment burdens.
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Is this counted in the GDP of a country ?The services of a mechanic in fixing the radiator on his own car.
Answer:
Yes this could be counted as GDP
Explanation:
Which of the following is a disadvantage of being a private limited company?
a. It has a separate legal Identity and therefore has continuity
b. Control is kept over who buys shares in the company
c. Shareholders' personal possessions cannot be taken to pay any debts
d. A summary of the business's accounts can be viewed by the public
Fe2O3 + 3 CO → Fe + 3 CO2
Answer:
product 2FeO3+3CO2
Explanation:
What is the difference between productive and service oriented professions Explain with examples
Answer:
Explanation:
Product vs Service Business
While it may seem to go against traditional thinking, in some ways there is very little difference between product based and service based companies. In actuality, both sell a product. The distinction between the two is that the product business sells a physical, tangible product, while the service business owner sells his skills as the primary product. In the service-based business, customers purchase the skills of a service provider or owner, such as a plumber or lawyer, This type of business has a strong emphasis on the client relationship and makes the customer's user experience very important. Product-based businesses, on the other hand, deliver physical products that are reasonably consistent in quality for each customer, making the customer experience fairly predictable.
Local or Global Consumer Markets
In general, when consumers are looking for new solutions they try to distinguish the different services/products of business and industry in the locality where they reside. As such, businesses need to target their product and service based businesses to the appropriate markets. Consumers located anywhere in the global market can purchase a product via the internet as long as they can have their purchase delivered locally and cost effectively. However, most service businesses can only provide services to customers within their local target market. For example, while a computer store can ship computers all over the world, a hairstylist will only attract clients within a reasonable driving distance from her home or business. As a result, businesses need to consider how their customer base will influence their marketing efforts.
pl. make it as brainliest if it's helpful to you...!!
Which topic would a macroeconomist most likely study? a. Supply and demand b. Production costs C. Inflation d. Labor markets
Answer:
I would say the answer is c. inflation.
Most likely, a macroeconomist will research inflation. As a result, choice (C) is the proper approach.
What is inflation?In the field of economics, inflation is the overall rise in the cost of products and services throughout a country's economy.
A decrease in the purchasing power of money results from an increase in the general price level, which makes each unit of currency buy less in goods and services.
This is why inflation is a result of rising prices generally. Deflation is the reverse of inflation, which is an increase in the average level of prices for goods and services.
The annualized percentage change in an index of general prices, or the inflation rate, is the most widely used indicator of inflation. The consumer price index (CPI) is frequently employed for this since household prices do not rise uniformly. American salaries are calculated using the employment cost index.
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in 1995, when umpqua bank opened in new markets, which type of marketing effort did it utilize?
The type of marketing effort it utilizes is Formulated marketing.
Marketing strategy formulation refers to the process of establishing a company's marketing goals and objectives. It allows leaders to create policies or blueprints and build techniques to execute strategy. Marketing is essential to any good business.
Marketing activities are the resources companies spend to promote their products and services. Through marketing activities, businesses can generate demand and interest in their products and increase awareness among potential customers. Pharmaceutical formulation is a multi-step process in which the active drug is mixed with all other ingredients, taking into account particle size factors.
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Suppose the Baseball Hall of Fame in Cooperstown, New York, has approached Collector - Cardz with a special order. The Hall of Fame wishes to purchase 56,000 baseball card packs for a special promotional campaign and offers $0.38 per pack, a total of $21,280. Collector - Cardz's total production cost is $0.58 per pack, as follows: (Click the icon to view the cost information.) Collector - Cardz has enough excess capacity to handle the special order. Read the requirements, Requirement 1. Prepare a differential analysis to determine whether Collector - Cardz should accept the special sales order.
In the following question, among the various parts to solve, Cardz should not accept the special sales order since the differential income is negative.
The differential analysis to determine whether Collector - Cardz should accept the special sales order is as follows:
Requirement 1: Prepare a differential analysis to determine whether Collector - Cardz should accept the special sales order.
Costs for production of the baseball card packs for the special sales order
Total production cost = $0.58 per pack
Differential revenue = $21,280 ($0.38 x 56,000 packs)
Differential cost = $33,280 ($0.58 x 56,000 packs)
Differential income = Revenue - Cost = $21,280 - $33,280 = -$12,000
Therefore, Collector - Cardz should not accept the special sales order since the differential income is negative.
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Three roads lead into a stadium's parking areas. Each road has four lanes (two in each direction) with a capacity of 1,000 vehicles/lane/hour. If 10,000 vehicles are expected for a game, how long will it take for all of them to enter the parking areas?
Answer:
Option A
Explanation:
The complete question is
Three roads lead into a stadium's parking areas. Each road has four lanes (two in each direction) with a capacity of 1,000 vehicles/lane/hour. If 10,000 vehicles are expected for a game, how long will it take for all of them to enter the parking areas?
a) 2 hours
b) 1 hour
c) 1 hour and 40 minutes
d) 90 minutes
Solution
There are four lanes.
Capacity of one lane is equal to 1,000 vehicles/lane/hour.
Let us say that each lane will provide access to equal number of vehicles
Thus, each lane will allow 10,000/4 = 2500 vehicles per hour
Time taken by 2500 vehicles on road to reach parking is equal to 2.5 hours.
The nearest answer to this option A i.e two hours
Vivian has just been promoted to management after years of working at the company. She is very excited, but nervous to now be the boss of several of her colleagues. What would be good advice for her
Answer:
Trust her gut and stay calm under any circumstances
Regrading the management, the good advice for her would be take a learning orientation approach which engages in self-development.
What do you mean by the management?In order to achieve desired goals and objectives, a person or group of people must be challenged and managed, according to the concept of management.
In management, efficiency is the ability to complete tasks effectively and economically. In order to provide measurable results, tasks must be completed within predetermined deadlines.
All parties involved in the business, such as the government, consumers, and employees, should have their interests taken into account by management. For the organization, managers are in charge of setting and achieving goals.
Therefore, the regrading the management, the good advice for her would be take a learning orientation approach which engages in self-development.
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It allows you to rent a car while yours is being repaired. a. auto replacement c. personal damage liability b. comprehensive physical damage d. rental reimbursement
Answer:
I'm pretty sure the answer is d
Explanation:
Alternatively, you may pay out-of-pocket for your rental then seek reimbursement from the other insurance company once it completes its investigation.
Answer:
D
Explanation:
Find out the municipal taxes you are subjected to. Calculate your average annual tax payments to your municipality.
(I'm not sure what this question for my online financial class is asking, can someone help?)
Answer:
I conducted an online research on the state of Virginia. The state of Virginia has 95 counties, 39 independent cities, and 190 incorporated towns. Only elected governing bodies can impose local taxes in this state of Virginia. A bulk of the local tax money comes from property taxes.
The following is the list of municipal taxes a consumer in all counties and cities of the state of Virginia is subjected to:
Items Tax Percentage Districts
Retail sales tax 0.7%
Occupancy tax 2.1% only for the Northern Virginia Planning District
Fee on grantors of real estate $0.15 to $100 of the value of property sold only for the Northern Virginia Planning District
Wholesale distributors of motor fuel 2.1% Hampton Roads Planning District
Restaurant meal 1%
Communication taxes 1.05%
Motor vehicle rental tax 4%
Explanation:
I conducted an online research on the state of Virginia. The state of Virginia has 95 counties, 39 independent cities, and 190 incorporated towns. Only elected governing bodies can impose local taxes in this state of Virginia. A bulk of the local tax money comes from property taxes.
The following is the list of municipal taxes a consumer in all counties and cities of the state of Virginia is subjected to:
Items Tax Percentage Districts
Retail sales tax 0.7%
Occupancy tax 2.1% only for the Northern Virginia Planning District
Fee on grantors of real estate $0.15 to $100 of the value of property sold only for the Northern Virginia Planning District
Wholesale distributors of motor fuel 2.1% Hampton Roads Planning District
Restaurant meal 1%
Communication taxes 1.05%
Motor vehicle rental tax 4%
2-3 personal experience of exploitation as a consumer
Answer:
Explanation:
Exploitation often involves a denial of an individual's right (in this case a consumer's right).
Consumers are often exploited in this three areas:
Poor quality standard: For example, one may purchase an electronic device, which in most cases the quality level is determined only after using the product and then discover that the product has failed to meet expectations like performance failure.
High Prices: This is often happens when a consumer isn't aware of the average price of a particular product and may be the taken advantage of by the seller.
False or Incomplete product description: Online shopping often presents this type of exploitation. For example, an individual may buy a wrist watch he thinks is made of silver, but receives the item an discover it is actually made of rubber material.
Assume that bank reserves are equal to $2,000, and the required reserve ratio is changed from 10 percent to 20 percent. Banks make as many loans as they can. What is the upper limit of the money supply when the required reserve ratio is increased
The upper limit of the money supply when the required reserve ratio is increased from 10 percent to 20 percent is $2,000 (reserves) + $2,000 (loans) = $4,000.
When the required reserve ratio is increased from 10 percent to 20 percent, it means that banks are required to hold a higher proportion of deposits as reserves and can lend out less money.
Assuming that banks make as many loans as they can, the upper limit of the money supply can be calculated as follows:
Initial Required Reserves: 10% of deposits = 0.10 x (total deposits) = 0.10 x (reserves + loans)
Reserves = $2,000
Therefore, Loans = (Total Deposits - Reserves) = (1 - 0.10) x (Reserves + Loans) = 0.9 x ($2,000 + Loans) = $1,800 + 0.9Loans
New Required Reserves: 20% of deposits = 0.20 x (total deposits) = 0.20 x (reserves + loans)
Reserves = $2,000
Therefore, Loans = (Total Deposits - Reserves) = (1 - 0.20) x (Reserves + Loans) = 0.8 x ($2,000 + Loans) = $1,600 + 0.8Loans
Since banks make as many loans as they can, the upper limit of the money supply occurs when there are no excess reserves in the banking system. Therefore, the upper limit of the money supply can be calculated by equating the amount of loans in both cases:
$1,800 + 0.9Loans = $1,600 + 0.8Loans
0.1Loans = $200
Loans = $2,000
Therefore, the upper limit of the money supply when the required reserve ratio is increased from 10 percent to 20 percent is $2,000 (reserves) + $2,000 (loans) = $4,000.
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PLS HELP ME :(
What causes the national debt to increase?
A. The federal government borrowing money from other countries
B. The value of goods imported into the country greatly increasing
C. The Federal Reserve setting a higher discount rate for banks
D. The national unemployment rate rising for consecutive quarters
Answer:
im pretty sure it would be A
Explanation:
It is not necessary, when rejecting a job candidate, to worry about how the rejection is worded, as it will have minimal, if any, impact on the organization. True False
Daniel is writing a letter to the editor of the local newspaper. He is encouraging citizens to join him in expressing his like of city funds supporting a local nonprofit organization. Daniel is ______. lobbying controlling advocating advertising
Daniel is B. advocating by writing a letter to the editor of the local newspaper, encouraging citizens to express their like of city funds for the support of a local nonprofit organization.
What is advocating?Advocating is a public recommendation. It is different from lobbying, controlling, or advertising.
Thus, since Daniel is using his letter to the editor of the local newspaper to encourage other citizens to support his views, he is engaged in advocacy.
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