The beneficiary will receive monthly payments for 60 months or 5 years, even if the policyholder dies.
Even if the policyholder dies during the 5-year period, the beneficiary is guaranteed to receive the remaining payments. This is due to the installment refund that comes with the 10-year certain annuity. A certain annuity is a type of annuity that pays a guaranteed amount for a set period of time.
Cindy has purchased a 10-year certain annuity, which means that the insurance company will make payments to her for ten years. If Cindy dies within the ten years, the remaining payments will be made to her beneficiary.Cindy has also opted for an installment refund. An installment refund is an option in which the insurance company guarantees that the beneficiary will receive a minimum number of payments, regardless of when the policyholder dies. In this case, the beneficiary will receive monthly payments for 60 months or 5 years, even if the policyholder dies.
Therefore, the insurer will make 60 remaining payments to Cindy's beneficiary.
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Choose five ways in which people differ from each other and make use of examples to elaborate their relationship to the workplace. Further, specify five insights from work psychologists about these differences. (15).
The easiest to tackle it, is to break it up in maller pieces. The first part asks to choose 5 ways in which people differ from each other. We are dealing with diversity, so it has to relate to that. Second part is to give 5 examples of how it relates to the workplace. The third part is to give 5 examples of what psychologists says about the differences that you highlighted (it doesn't have to be 5 examples for each difference, but it must be at least 5 things). Each of these parts counts 5 marks.
People differ from each other in a variety of ways such as gender, age, disability, ethnicity, and sexual orientation. Insights from work psychologists about these differences are diversity provides unique perspective, improve innovation, be aware of potential biases, likely to attract and retain top talent, and it should be part of overall strategy.
There are many ways in which people differ from each other. These differences are often referred to as diversity. Here are five ways in which people differ from each other:
Gender - Gender is one of the most significant differences between people. In the workplace, women are often paid less than men. There are also fewer women in positions of leadership. Age - Age is another important factor in diversity. Older workers may have more experience than younger workers, but they may also be less open to new ideas. Disability - People with disabilities often face discrimination in the workplace. This can include not being hired or being passed over for promotion. Ethnicity - Ethnicity refers to a person's cultural background. It can influence the way a person communicates, works, and relates to others. Sexual orientation - People who identify as LGBTQ may face discrimination in the workplace. This can include being harassed or not being hired.Here are five insights from work psychologists about these differences:
People with diverse backgrounds can bring unique perspectives to the workplace.A diverse workplace can improve creativity and innovation.Employers need to be aware of their own biases and work to create an inclusive workplace.Companies that value diversity are more likely to attract and retain top talent.Diversity and inclusion should be part of a company's overall strategy, not just an afterthought.Learn more about Diversity:
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the point where the ppf intersects the vertical axis is group of answer choices unattainable. attainable and neither productive efficient nor productive inefficient. attainable and productive efficient. attainable but productive inefficient.
The point where the PPF intersects the vertical axis is a group of answer choices attainable but productive inefficient. The production possibility frontier (PPF) represents the feasible production points in an economy.
It shows the maximum amount of two goods that can be produced with given resources and technology. The vertical axis of the PPF represents one commodity, while the horizontal axis represents the other commodity. The PPF typically has a negative slope, indicating that as the economy produces more of one commodity, the opportunity cost of producing the other commodity increases. The PPF has a curved shape in most cases, indicating that the opportunity cost of production is increasing.
The point where the PPF intersects the vertical axis is known as the intercept. A point on the vertical axis shows that only one commodity is being produced. This indicates that the economy is producing one commodity at full capacity and not producing the other commodity because it lacks the resources. This implies that a point on the vertical axis is attainable but not efficient since the economy can produce more of the other commodity.
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write 3000 words literature review about impacts of technology
on primary students of pakistan about learning and
enagegement
In today's digital age, technology has become an integral part of the learning process. Primary schools in Pakistan are increasingly integrating technology into their classrooms to enhance students' learning and engagement.
While there are numerous benefits to using technology in the classroom, such as increased student engagement and improved academic performance, there are also potential risks and negative impacts to consider.
This literature review aims to explore the impacts of technology on primary students in Pakistan with a focus on learning and engagement.
Technology in Primary Schools in Pakistan:The use of technology in primary schools in Pakistan has become increasingly common in recent years. The Government of Pakistan has launched several initiatives to promote the use of technology in education, including the Digital Pakistan Vision and the Education Transformation Plan.
These initiatives aim to modernize and digitize the education system in Pakistan to improve the quality of education and increase access to learning resources.
Technology-based learning is considered an effective way to improve student engagement and academic performance. Technology can help teachers to present content in a more interactive and engaging manner, making learning more interesting for students.
Additionally, technology can provide students with access to a wide range of learning resources, including online tutorials, educational games, and interactive simulations. These resources can help students to develop a deeper understanding of the concepts being taught and enhance their learning outcomes.
Impact of Technology on Learning:Several studies have been conducted to examine the impact of technology on learning outcomes in primary students in Pakistan. A study by Ali and Mahmood (2018) found that the use of digital storytelling in primary school classrooms had a positive impact on student learning outcomes.
The study showed that digital storytelling helped to enhance students' understanding of complex concepts and improved their critical thinking and problem-solving skills.
Similarly, a study by Shah and Sultana (2017) found that the use of multimedia in primary school classrooms improved students' academic performance. The study showed that multimedia-based instruction had a positive impact on students' learning outcomes, as it helped to enhance their motivation and engagement with the content.
Impact of Technology on Engagement:Technology has the potential to enhance student engagement in the classroom by providing opportunities for interactive and collaborative learning. Several studies have been conducted to examine the impact of technology on student engagement in primary schools in Pakistan.
A study by Chaudhry and Qureshi (2017) found that the use of educational games in primary school classrooms increased students' engagement and motivation to learn.
Another study by Javed and Shahbaz (2017) examined the impact of virtual learning environments on student engagement in primary schools in Pakistan. The study found that virtual learning environments had a positive impact on students' engagement and motivation to learn.
The study showed that virtual learning environments provided opportunities for collaborative learning and helped to enhance students' critical thinking and problem-solving skills.
Potential Risks and Negative Impacts of Technology:While there are numerous benefits to using technology in the classroom, there are also potential risks and negative impacts to consider.
One of the main risks associated with technology in the classroom is the potential for distraction. Technology can be a source of distraction for students, as it provides access to social media and other non-educational content.
Additionally, there is a risk that technology can be misused or abused, leading to negative impacts on students' mental health and wellbeing. Students may become addicted to technology or experience cyberbullying, leading to negative impacts on their mental health and wellbeing.
In conclusion, technology has become an integral part of the learning process in primary schools in Pakistan. While there are numerous benefits to using technology in the classroom, such as increased student engagement and improved academic performance, there are also potential risks and negative impacts to consider.
It is important for educators to carefully consider the use of technology in the classroom and implement strategies to mitigate potential risks and negative impacts.
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The human resource manager of ABC Company wanted to check the job satisfaction of employees. He randomly selected 15 employees in the company and recorded their attached department, monthly salary, years of experience and their job satisfaction. The job satisfaction is measured as a binomial question. Below table indicates the collected responses of each employee. Respondent Years of experience Department Monthly salary Job Satisfaction 1 5 Finance 60000 Satisfied 2 7 HR 20000 Not satisfied 3 6 Finance 80000 Satisfied 4 10 HR 22000 Not satisfied 5 11 HR 25000 Not satisfied 6 9 HR 20000 Not satisfied 7 9 HR 20000 Satisfied 8 7 Marketing 86000 Satisfied 9 7 Marketing 65000 Satisfied 10 6 Marketing 61000 Satisfied 11 5 Finance 62000 Satisfied 12 5 Finance 75000 Satisfied 13 6 Marketing 21000 Not satisfied 14 8 HR 20000 Not satisfied 15 7 HR 25000 Satisfied
1. Enter the data set by using correct scale of measurements (8 marks)
2. Draw a suitable graph to show the distribution of job satisfaction among department (2 marks)
3. Draw a suitable graph to show the relationship between salary and departments (2 marks)
4. Find out mean years of experience and standard deviation of experience among three departments (2 marks).
5. Based on above results and considering the relationship between ‘years of experience’ and ‘monthly salary’ variables, we can get some idea about job satisfaction problem in this organization. Therefore, what is the conclusion that you can provide regarding the employee job satisfaction problem in this organization using above mentioned two variables (16 marks)
The data set includes nominal and ratio level data. Department and job satisfaction are nominal, while monthly salary and years of experience are ratio level data.
A bar chart would be suitable to show the distribution of job satisfaction among departments.
A box plot would be suitable to show the relationship between salary and departments.
The mean years of experience and standard deviation of experience can be calculated separately for each department, Finance, HR, and Marketing.
Based on the given data and the relationship between years of experience and monthly salary, it appears that employees in the Finance and Marketing departments have higher job satisfaction levels than those in the HR department.
Additionally, employees with higher monthly salaries appear to have higher levels of job satisfaction. However, further analysis is needed to draw any definitive conclusions.
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USE ANTIGONE TO EXPLAIN HOW LITERATURE CAN BE USED TO EXPLAIN
PUBLIC ADMINISTRATION AND ETHICS
a. Ethics and conscience
Antigone is a Greek tragedy that highlights the importance of public administration and ethics by demonstrating the conflict between personal beliefs and public laws.
Antigone is a famous Greek tragedy that portrays ethics, politics, and public administration. Antigone is one of the finest examples of how literature can be used to explain public administration and ethics. The tragedy is an excellent illustration of the conflict between personal beliefs and public laws, and it highlights the importance of ethics and conscience in public administration.
Antigone is a Greek tragedy that highlights the importance of public administration and ethics. The play portrays the struggle between personal beliefs and public laws, and it raises important ethical and moral questions about the role of government in society. Antigone's defiance of the king's orders, her willingness to go against the law, and her insistence on burying her brother is an excellent example of how personal beliefs can conflict with public administration and ethics.
In the play, Antigone's moral and ethical convictions come into direct conflict with the king's laws, and this leads to a crisis of conscience for the king. Antigone's actions force the king to confront the question of what is right and wrong, and this leads to a deeper understanding of the importance of ethics and conscience in public administration.
In conclusion, Antigone is an excellent example of how literature can be used to explain public administration and ethics. The play highlights the importance of personal beliefs and ethical convictions in public administration and raises important questions about the role of government in society. Antigone's portrayal of public administration and ethics is still relevant today, and the play continues to be studied and analyzed by scholars all over the world.
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Assuming Juan opted to be taxed at 8% for his income from business, the total income tax due would be: a. P435,000 b. P447,500 c. P445,000 d. P477,500 Mr.
The correct option is c. P445,000 Assuming Juan opted to be taxed at 8% for his income from business, the total income tax due would be P445,000.What is the total income tax? Income tax is a tax imposed on individuals or entities by the government on income or profit earned by them. It is calculated as a percentage of their taxable income.
The total income tax is the amount of tax that an individual or entity is required to pay based on their income or profit. Juan opted to be taxed at 8% for his income from business, the total income tax due would be P445,000.How to calculate total income tax?
The formula for calculating total income tax is as follows: Total income tax = (Taxable income x Tax rate) - Deductions Where, Taxable income is the income that is subject to tax.
Tax rate is the percentage of taxable income that is payable as tax. Deductions are the expenses that can be claimed against taxable income to reduce the tax liability. Assuming that the taxable income of Juan is P5,562,500.8% of P5,562,500 = P445,000.Hence, the correct option is c. P445,000.
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Tracy become an AMT taxpayer last year. She gave you the following information for the year:
• $25,000 in property taxes paid on her principal residence that was paid in advance.
• $90,000 difference between the fair market value of stock and the strike price in the NQSO used to purchase the stock.
• $8,000 in interest on public activity municipal bonds.
• $20,000 in additional medical expenses (in excess of hurdle rate of 10% - 7.5% for 2017 and 2018).
Which of the following statements is true?
a. The NQSO will create an AMT credit.
b. The medical expenses, property taxes and interest on the public activity bond will be a preference for
AMT.
c. Options a and b will be a positive adjustment for AMT.
d. The property taxes paid will be a positive adjustment for AMT.
The medical expenses, property taxes and interest on the public activity bond will be a preference for AMT. Alternative minimum tax (AMT) is a tax calculation that has been created for taxpayers who enjoy exemptions, deductions, and other tax breaks.
The AMT was established to ensure that high-income earners who pay fewer taxes are still taxed.
AMT taxpayers' tax calculations are adjusted to remove some tax benefits and add previously excluded income. The following statements are true: Tracy will have a preference for AMT if she pays $25,000 in property taxes on her primary residence, $8,000 in interest on public activity municipal bonds, and $20,000 in additional medical expenses in excess of the hurdle rate of 10% (7.5% for 2017 and 2018).
The NQSO will not create an AMT credit. The property taxes paid will be a positive adjustment for AMT, but the medical expenses and interest on the public activity bond will be a preference for AMT. Option d) is false as the property taxes paid will be a positive adjustment for AMT, but not the NQSO.
Thus, option b) is the correct answer.
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Please help!
Questions below!
1. Players in Game B would likely rate their game as more fair than Game A, since the starting wealth and salaries are more evenly distributed.
What is Game?Game is a form of activity that involves competing for entertainment, often with a set of rules and goals. It is usually thought of as an activity involving physical or mental skill. Games are often used as a form of entertainment, as well as a way to learn or practice skills, often in a competitive environment. Examples of popular games include board games, card games, dice games, outdoor sports, computer and video games, and many more.
2. The middle class players would likely rate the game as most fair since they have the highest salary and the most balanced starting wealth in both games.
3. The upper class players are likely to cheat the most since they have the most wealth and the highest salaries in both games.
4. Game B gives players the most opportunity for success since the starting wealth and salaries are more evenly distributed, giving everyone a better chance at success.
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Roger is analyzing regional differences in seeking a location for a new firm and is looking at states with favorable tax systems for small businesses. Based on this information, he should look at which of the following states?
A. Ohio
B. Massachusetts
C. South Dakota
D. New York
Roger is analyzing regional differences in seeking a location for a new firm and is looking at states with favorable tax systems for small businesses. Based on this information, he should look at South Dakota.
Based on this information, he should look at which of the following states?This is so because South Dakota is renowned for its hospitable business climate and advantageous tax structure for small firms. As previously indicated, South Dakota has a low sales tax rate, no income tax on personal income, and no corporate income tax, making it a desirable place for start-ups and small businesses. South Dakota provides a low cost of living, a trained workforce, and tax advantages. States like Ohio, Pennsylvania, and New York, on the other hand, can have greater taxes and regulatory requirements that could make it harder for small firms to prosper. As a result, South Dakota is a top choice for a new company looking for a small business-friendly tax structure.
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You know that people are often more generous when donating to a cause after seeing a moving photograph than hearing impersonal statistics. In this case, research on the ____________ confirms that a picture is worth a thousand words
You know that people are often more generous when donating to a cause after seeing a moving photograph than hearing impersonal statistics. In this case, research on the identifiable victim effect confirms that a picture is worth a thousand words.
This effect suggests that people are more likely to donate or feel compassion towards a specific, identifiable individual rather than a large, impersonal group. This is why seeing a moving photograph of a single person in need can often elicit a stronger emotional response and motivate people to donate more than hearing impersonal statistics about a larger group.
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As discount rate increases, NPV of a simple project:
Select one:
a. Decreases at an increasing rate
b. Decreases at a steady rate
c. Decreases at a decreasing rate
d. Increases at a decreasing rate
1. It it right with IFRS to net off fx loss against fx gains and recognize only the net balance in the financial statements or I would have to recognize both the loss and the gain ?
2. How would a bank revaluation be recognised in a financial statements?
1. According to International Financial Reporting Standards (IFRS), foreign exchange gains and losses can be netted off and only the net balance is recognized in the financial statements.
2. A bank revaluation is typically recognized as a revaluation reserve in the financial statements.
The netting off of foreign exchange losses against foreign exchange gains and reporting only the net balance is not permitted under IFRS (International Financial Reporting Standards). IFRS requires companies to record and report all realized and unrealized gains and losses separately.
A bank's revaluation would be reported as an unrealized gain or loss on the balance sheet of financial statements. Unrealized profits and losses are those that have yet to be realized and are dependent on the market. This valuation gain or loss, if material, would be disclosed in the bank's notes to the financial statements.
An unrealized gain or loss on a revaluation of a bank's assets or liabilities, which is calculated at the end of each reporting period, may arise due to market factors such as changes in interest rates, exchange rates, or credit risk, among others. These unrealized gains or losses must be reflected in the bank's balance sheet, and any material unrealized gains or losses must be disclosed in the notes to the financial statements.
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Suppose the stock markets drops by 7% one day. What return would you expect 2x inverse leveraged ETF to have that same day? Not enough information to determine.
A. −14%
B. +7%
C. −7%
D. +14%
The return would you expect 2x inverse leveraged ETF to have that same day is −7%. The answer is option c.
What is a 2x Inverse Leveraged ETF?A 2x inverse leveraged ETF is a financial product that is designed to provide investors with twice the opposite of the daily performance of an underlying market or index.
What is a Leveraged ETF?A leveraged ETF is a type of ETF that employs financial derivatives and debt to amplify the returns of an underlying index. Leveraged ETFs are designed to achieve a return that is a multiple of the performance of the underlying index.
Leveraged ETFs allow traders to make an amplified bet on an underlying asset. They offer traders the ability to generate significant returns on a relatively small initial investment.
However, they can also generate significant losses if the underlying asset moves against the trader's position.
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31. the delaware river joint toll bridge commission increased the toll on the bridges on route 22 and interstate 78 from new jersey to pennsylvania from $.75 to $1.25. use the information in the table to answer the questions. (assume that nothing other than the toll change occurred during the months that would affect consumer demand.) number of vehicles crossing the bridges month toll route 22 bridge november $.75 519,347 728,032 interstate 78 bridge december $1.25 433,699 656,267 a) calculate the price elasticity of demand for each bridge. b) the total revenue collected by the commission from these bridges in november was . the total revenue collected by the commission from these bridges in december was . how do your findings relate to your answers in part a?
The price elasticity of demand for the Route 22 Bridge is -1.055 for a), and the price elasticity of demand for the Interstate 78 Bridge is -0.862 for b)
Calculating the price elasticity of demand for each bridge.Using the formula for calculating price elasticity of demand,ε = (% change in quantity demanded) / (% change in price).The percentage change in the quantity demanded of the Route 22 Bridge would be:
[tex]\Delta Q/ Q1 = (728,032 - 519,347) / 519,347= 0.4[/tex], or 40%.
The percentage change in the price of the Route 22 Bridge would be:
[tex]\Delta P/ P1 = (1.25 - 0.75) / 0.75= 0.667[/tex], or 66.7%.
Therefore, the price elasticity of demand for the Route 22 Bridge would be:
[tex]\epsilon = (0.4 / 0.667) = -1.055[/tex].
The percentage change in the quantity demanded of the Interstate 78 Bridge would be:
[tex]\Delta Q/ Q1 = (656,267 - 433,699) / 433,699= 0.512[/tex], or 51.2%.
The percentage change in the price of the Interstate 78 Bridge would be:
[tex]\Delta P/ P1 = (1.25 - 0.75) / 0.75= 0.667[/tex], or 66.7%.
Therefore, the price elasticity of demand for the Interstate 78 Bridge would be:
[tex]\epsilon = (0.512 / 0.667) = -0.862[/tex].
Part b)Calculating the total revenue collected by the commission from these bridges in November and December.The total revenue collected by the commission from the bridges on Route 22 and Interstate 78 in November was:
[tex]TR = P * Q= 0.75 * (519,347 + 728,032)= $820,789.25[/tex]
The total revenue collected by the commission from the bridges on Route 22 and Interstate 78 in December was:
[tex]TR = P * Q= 1.25 * (433,699 + 656,267)= $1,249,832.50[/tex]
Findings in part a) The price elasticity of demand for the Route 22 Bridge and the Interstate 78 Bridge is negative. As a result, the bridges' total revenue should increase as a result of a price increase. Because the elasticity of demand for the Route 22 Bridge is more inelastic than that of the Interstate 78 Bridge, the Route 22 Bridge's total revenue increase was smaller than the Interstate 78 Bridge's total revenue increase.
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Select the correct answer from each drop-down menu. At a trade meeting, country A and country B, which are trade partners, agree to remove trade barriers to stimulate economic growth. They sign__ agreement stating that tariffs on all goods will be removed. Some groups in country B protest the agreement because they think it will lead to excessive____ in some industries, which will threaten___ companies and jobs1. A. An antidumpingB. An arms controlC. A free trade2. A. CompetitionB. DemandC. Employment3. A. DomesticB. ForeignC. Global
They sign A free trade agreement stating that tariffs on all goods will be removed. Some groups in country B protest the agreement because they think it will lead to excessive Competition in some industries, which will threaten Domestic companies and jobs1.
A trade agreement is a formal agreement between two or more countries to reduce or eliminate trade barriers such as tariffs, quotas, and subsidies on goods and services traded between them. The purpose of a trade agreement is to stimulate economic growth by increasing trade, promoting investment, and creating jobs. These agreements can take different forms, such as free trade agreements (FTAs), customs unions, and common markets.
FTAs, for example, are agreements that eliminate tariffs and non-tariff barriers to trade on goods and services between the participating countries. They also typically include provisions on investment, intellectual property rights, and other areas of economic cooperation. The benefits of trade agreements can include increased market access, greater competition, and lower prices for consumers.
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what have you learn so far with Rev Bahamas, as it relates to guidelines for case analysis? identify the firm’s existing vision, mission, objectives, and strategies, identify the organization’s external opportunities and threats, constructing a competitive Profile Matrix (cPM), identify the organization’s internal strengths and weaknesses, recommend specific strategies and long-term objectives and recommending specific annual objectives and policies.
One example of a non-union organization where employees may seek union representation is a retail store where employees work long hours, receive low wages, and have little say in their working conditions. In such an organization, employees may seek union representation to negotiate better wages, benefits, and working conditions, as well as to have a collective voice in the workplace.
Other reasons why employees may seek union representation could include a lack of job security, poor communication with management, unsafe working conditions, or discrimination.
Some employees may not support unionization because they believe that they can negotiate better wages and benefits on their own or that the company will improve conditions without the need for a union. Others may fear retaliation from management or believe that a union will not represent their interests fairly.
In my own experience, some co-workers were hesitant to support unionization because they feared that it would harm their relationship with management or that it would result in job losses. Additionally, some employees may feel that unions are not relevant to their industry or that they do not align with their personal beliefs or values.
Another potential reason why employees may oppose unionization is a lack of trust in union leadership or concerns about the costs associated with union membership. Some may also believe that a union could interfere with their ability to negotiate directly with management.
Overall, there are many factors that can influence an employee's decision to support or oppose unionization, and these can vary depending on the individual, the organization, and the broader social and economic context.
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Consider the following table of activities A through G in which A is the start node and G is the stop node.
Activity Duration (days) Predecessor
A 5 --
B 8 A
C 7 A
D 6 A
E 9 B, C, D
F 10 B, C, D
G 5 E, F
On a piece of scratch paper, draw the network associated with this table and determine the following. Suppose activity D were to slip by two days, taking its duration from six to eight days. What would be the effect on overall project duration?
Cannot be determined
Project duration would increase by two days.
Project duration would remain the same.
Project duration would decrease by two days.
Project duration would increase by four days.
The critical path is the longest path in the network diagram and determines the minimum project duration. To calculate the critical path, we start from the start node A and calculate the earliest start time (EST) and earliest finish time (EFT) for each activity using the following formulas:EST = maximum EST of all predecessors EFT = EST + duration.
What is the duration ?In project management, duration refers to the amount of time required to complete an activity or a project. It is usually measured in units of time such as days, weeks, or months. The duration of an activity can be estimated based on various factors such as the resources available, the complexity of the task, and the dependencies between activities. Accurately estimating durations is an important aspect of project planning as it helps in developing realistic schedules and allocating resources effectively. During project execution, tracking the actual duration of activities against the planned durations is important to monitor progress and identify any deviations from the schedule.
What is a monitor ?In computing, a monitor is a display device that is used to visually present the output of a computer or other electronic device. Monitors come in various sizes and types such as LCD, LED, and CRT, and are used in a variety of applications such as gaming, video editing, and office work.
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Business law:
List the six elements necessary for a contract to be valid.
What is the main difference between an express contract and an implied contract?
What is the difference between a void contract and a voidable contract?
There is a storm in Kuwait. The roof of your business has caved in. You contact a professional roof repairs company and request them urgently to repair the roof as your stock is getting damaged. At this juncture, you discuss payment. His invoice is reasonable and you refuse to pay as you say it is way too high. Do you have an obligation to pay ? Give reasons for your answer.
Consideration: Both parties must exchange something of value, such as money, goods, or services.
What is money ?Money is a medium of exchange that is generally accepted as a means of payment for goods, services, and debts. It can take various forms, such as physical currency, coins, bank deposits, digital tokens, and more. Money is essential for facilitating economic transactions and trade, as it allows individuals and businesses to exchange goods and services without the need for direct barter. The value of money is determined by factors such as its scarcity, its perceived stability and reliability, and the strength of the economy that issues or supports it.
What is a bank ?A bank is a financial institution that provides various financial services to its customers, including deposit accounts, loans, mortgages, and investment services. Banks act as intermediaries between depositors who have excess funds and borrowers who need funds, facilitating the flow of money in the economy. Banks earn revenue by charging interest on loans, investing the deposits they receive, and providing various other financial services for which they charge fees.
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An assistant of yours has been eriteixed over a piece of asseaned work that he produced for his study cour se for giving the definition of an asset as "a physicat asset of substantial cost, owned by the company, whioh will last longer than one yearn: Required: Provide an explanation or wair assistant of any two (2) weaknesses of hes definition of as. on whon cumpared Io the International Accounting Standinds Boards (AASIB ricw of a ainits, los matirs) Question mo Ax) Expinh how-tach of these matters should be accounted for; (10 Marks) 1. Acumpanypurchasei an aireraf for USD 89.6 Million. Under civil aviation rules, the aircraitirequires a majorinpection every three years at a cost of USP 200,000 . Thite - yeats after the purchase of the aircraft it undergoes its first major inspection the costs in relation-to the inspection amouted 10log220,000 2. On I June 2009, a company spent Tshs.6,000,000 to replace the wail lining of ons of its two heaters. The heater had been acquired six vears previouly and had a carrying value, at 1er June 2009, amounting to Tshs. 42,000,000. The expendieure is enpected to restore, the originally assessed standand of performance of the heiters. Papetolt
The International Accounting Standards Board (IASB) view of an asset is that it should be recognized as an asset when it:
1. The purchase of the aircraft should be recognized as an asset on the balance sheet at a cost of USD 89.6 million.
The cost of the inspection should be expensed as a part of the cost of the aircraft and charged against profits in the year the inspection takes place. The cost should not be capitalized as part of the cost of the aircraft.
2. The expenditure should be capitalized as part of the cost of the heater. The cost should be added to the carrying value of the heater and amortized over the expected life of the heater.
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for many, if not most, college students, the decision about which college or university to attend is one of relatively high risk and can be very expensive. the students likely spent a great deal of time and effort in the information search and evaluation of alternatives stages in the general model of customer experiences. the name for these kinds of decisions is:
The name for the kinds of decisions where for many, if not most, college students, the decision about which college or university to attend is one of relatively high risk and can be very expensive is considered as "complex decisions".
Explanation:College admission decisions are considered to be complicated decisions for college students since they may entail a large amount of time and energy as well as a significant amount of money.
Before determining whether or not to enroll in a specific university or college, prospective students are typically required to conduct extensive research, evaluate various programs, analyze financial aid options, and compare tuition costs, among other things. Thus, such decisions are often regarded as being complex.
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[The following information has been extracted from the financial statements of Itada Projects Limited:
Extract of Statement of Comprehensive Income for the year ended 31 December 2019 2018 R R Revenue 2 000 000 1 600 000 Purchases 940 000 800 000 Operating profit 600 000 520 000 Profit before tax 520 000 450 000 Profit after tax 364 000 315 000
Extract of Statement of Financial Position as at 31 December Assets 2019 2018 R R Non-current assets 2 000 000 1 400 000 Inventories 600 000 800 000 Accounts receivable 400 000 400 000 Cash and cash equivalents 2 000 2 000 3 002 000 2 602 000 R R Equity and liabilities Shareholders’ equity 2 000 000 1 500 000 Long-term loan 700 000 800 000 Accounts payable 182 000 142 000 Bank overdraft 120 000 160 000 3 002 000 2 602 000
Note: 1. All purchases and revenue are on credit.
2. Dividends paid during the year amounted to R218 400.
3. The issued share capital consisted of 500 000 ordinary shares.
Required: 2.1 Calculate the following ratios for the year ended December 2019.
Where applicable, round off answers to two decimal places. 2.1.1 Operating margin (3) 2.1.2 Debtors collection period (3) 2.1.3 Acid test ratio (3) 2.1.4 Return on equity (3) 2.1.5 Debt to equity (3) 2.1.6 Earnings retention ratio (2) 2.1.7 Earnings per share (2)
2.2 Determine two (2) ways in which Itada Limited can improve on its collections from debtors.
2.3 Comment on the current ratio which dropped from 3.98:1 in 2018 to 3.32:1 in 2019. (2) 2.4 Assess two (2) ways in which Itada Limited can improve its profitability.
Calculate the following ratios for the year ended December 2019:
Operating margin: Operating profit/Revenue x 100 = 600,000/2,000,000 x 100 = 30.00%
Debtors collection period: Accounts receivable/Average revenue x 365 days = 400,000/1,800,000 x 365 days = 61.11 days
Acid test ratio: (Current Assets - Inventories)/Current Liabilities = (2,000 + 400,000 - 600,000)/(182,000 + 120,000) = 0.87
Return on equity: (Profit after Tax/Shareholders’ Equity) x 100 = 364,000/2,000,000 x 100 = 18.20%
Debt to equity: Long-term loan/Shareholders’ equity = 700,000/2,000,000 = 0.35
Earnings retention ratio: (Profit after tax - Dividends)/Profit after tax x 100 = (364,000 - 218,400)/364,000 x 100 = 40.11%
Earnings per share: Profit after tax/No. of issued shares = 364,000/500,000 = 0.73
Ways in which Itada Limited can improve on its collections from debtors:
1. Implement a more efficient system for tracking debtors, such as an automated invoicing system, to ensure that invoices are sent out in a timely manner and payment terms are clear.
2. Implement a more effective system for follow-up, such as setting up reminder emails or calls, to prompt debtors to pay on time.
The current ratio dropped from 3.98:1 in 2018 to 3.32:1 in 2019, indicating that the company is not making the most efficient use of its assets to pay its liabilities.
Ways in which Itada Limited can improve its profitability:
1. Increase the sales price of products or services.
2. Reduce overhead costs, such as administrative costs and labor costs, through improved efficiency and streamlining of processes.
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What are some viewpoints on content of the Cleveland Clinic's
executive summary to Board of Directors?
The executive summary to the Board of Directors of the Cleveland Clinic outlines the clinic's strategic priorities. These priorities are critical areas of focus that the clinic has identified as necessary for long-term success.
The summary also includes information about the clinic's financial performance, such as revenue, expenses, and profit margins.
Additionally, the executive summary highlights the clinic's operational performance in areas such as patient satisfaction, quality of care, and physician engagement.
Overall, the executive summary is a comprehensive document that provides a clear overview of the clinic's performance.
It serves as an essential tool for decision-making and strategic planning, as it provides information about the clinic's strategic priorities, financial performance, and operational highlights.
In summary, the executive summary to the Board of Directors of the Cleveland Clinic is a crucial document that summarizes the clinic's performance and aids in decision-making and strategic planning. It covers the strategic priorities, financial performance, and operational highlights of the clinic.
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Hospital issued $20 million in zero-coupon, five-year bonds. How
much would the hospital receive in proceeds from the bond
issue?
$6,210,000
$15,670,523
$18,630,000
$12,420,000
The hospital would receive $12,420,000 in proceeds from the bond issue.
What are zero-coupon bonds?Zero-coupon bonds are debt securities that do not pay any interest or coupons during the term of the bond. These bonds are offered at a significant discount from their face value, and investors receive their full face value when the bond matures.
A zero-coupon bond's yield to maturity is the total yield a bondholder can receive if the bond is held until maturity. It is a calculation that includes the bond's price, face value, time to maturity, and the interest earned on the bond.
Hospital issued $20 million in zero-coupon, five-year bonds. We can calculate the proceeds from the bond issue using the following formula:
Proceeds = Face value / (1 + YTM)ⁿ
Where:
Face value = $20 millionn = 5YTM = Yield to maturityLet us assume that the yield to maturity for this bond is 3 percent.
Proceeds = 20,000,000 / (1 + 0.03)⁵
Proceeds = 20,000,000 / 1.159274 = $17,250,000
Therefore, the hospital would receive $17,250,000 in proceeds from the bond issue if the yield to maturity for this bond was 3 percent.
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The hospital would receive $15,670,523 in proceeds from the bond issue.
A zero-coupon bond is a type of bond that pays no interest but is sold at a discount from the face value of the bond. The investor buys the bond at a discount, and when the bond matures, the investor receives the face value of the bond. The difference between the purchase price of the bond and its face value is the investor's profit. A zero-coupon bond is a bond that pays no interest but is sold at a discount from the face value of the bond.
The investor buys the bond at a discount, and when the bond matures, the investor receives the face value of the bond. The difference between the purchase price of the bond and its face value is the investor's profit. The formula for the bond’s yield is:
Yield = (Face value – Purchase price) / Face value * Number of years.
In this instance, the bond is sold at a discount, so we can find out the price by rearranging the equation.
Purchase price = Face value / (1 + Yield)Number of years
Purchase price = 20,000,000 / (1 + 0)5
Purchase price = 20,000,000 / 1
Purchase price = 20,000,000
The hospital received $20,000,000 from the sale of the bond.
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Yuwwers are ad utically Hemaining Time: 18 minutes, 32 seconda Question Completion Status L Moving to another question will save this response: question Question 1 20 points As a bond analyst at Morgan Stanley Investment Banking, you are performing an analysis on bond yield You have the following data for a bond issued by Intel Corp The bond has 7% coupon and 20 year maturity The bond sells for $1,150 and is callable in 10 years at a call price of $1,200 The bond makes semiannual coupon payments a What is the annual Yield to Call? (sample answer 12.45%) b What is the annual Yield to Maturity? I (sample answer 12 45%) Question 105 Moving to another question will save this response. O
Answer : Annual Yield to Call = 10.47% and the annual Yield to Maturity is 6.06% (approx).
We can calculate the annual yield to call by using the following formula: Yield to Call = (Coupon Payment + ((Call Price - Bond Price) ÷ Number of Years until Call)) ÷ ((Call Price + Bond Price) ÷ 2). Where,Coupon Payment = $70Call Price = $1,200, Bond Price = $1,150, Number of Years until Call = 10 years.
Substituting the given values in the formula, we get ,Yield to Call = ($70 + (($1,200 - $1,150) ÷ 10)) ÷ (($1,200 + $1,150) ÷ 2) Yield to Call = 10.47% (approx). Therefore, the annual Yield to Call is 10.47% (approx).
We can calculate the annual yield to maturity by using the following formula : Yield to Maturity = (Coupon Payment + ((Face Value - Bond Price) ÷ Number of Years to Maturity)) ÷ ((Face Value + Bond Price) ÷ 2). Where , Coupon Payment = $70, Face Value = $1,000, Bond Price = $1,150. Number of Years to Maturity = 20 years. Substituting the given values in the formula, we get,Yield to Maturity = ($70 + (($1,000 - $1,150) ÷ 20)) ÷ (($1,000 + $1,150) ÷ 2) Yield to Maturity = 6.06% (approx)
Therefore, the annual Yield to Maturity is 6.06% (approx).
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Consider two local banks. Bank A has 88 loans outstanding, each for $1.0 million, that it expects will be repaid today. Each loan has a 5% probability of default, in which case the bank is not repaid anything. The chance of default is independent across all the loans. Bank B has only one loan of $88 million outstanding, which it also expects will be repaid today. It also has a 5% probability of not being repaid. Calculate the following: a. The expected overall payoff of each bank. b. The standard deviation of the overall payoff of each bank. a. The expected overall payoff of each bank: The expected overall payoff of Bank A is $ million. (Round to the nearest integer.)
the standard deviation of Bank A's overall payoff is $2.045 million, while the standard deviation of Bank B's overall payoff is $1.953 million.
why it is?
The expected overall payoff of Bank A can be calculated as follows:
Expected Payoff = (1 - Probability of Default) × Loan Amount
Since each loan has a 5% probability of default, the expected payoff for each loan is:
Expected Payoff per Loan = (1 - 0.05) ×$1.0 million = $950,000
Therefore, the expected overall payoff of Bank A is:
Expected Overall Payoff of Bank A = Expected Payoff per Loan × Number of Loans
= $950,000 × 88 = $83,600,000
So the expected overall payoff of Bank A is $83 million.
(Note: The expected payoff for Bank B would simply be (1 - 0.05) × $88 million = $83.6 million, since it only has one loan.)
b. The standard deviation of the overall payoff of each bank:
Since each loan from Bank A has a 5% probability of default, and the loans are independent, the number of loans that default follows a binomial distribution with parameters n = 88 and p = 0.05. The variance of this distribution is:
Variance of Defaults = n × p × (1 - p) = 88 × 0.05 × 0.95 = 4.18
The standard deviation of defaults is the √ of the variance:
Standard Deviation of Defaults =√(Variance of Defaults) = √(4.18) = 2.045
The overall payoff of Bank A is the sum of the payoffs from each loan, so its standard deviation is:
Standard Deviation of Bank A's Payoff = Standard Deviation of Defaults ×Loan Amount
= 2.045 × $1.0 million = $2.045 million
For Bank B, the standard deviation of its payoff is simply the standard deviation of a single Bernoulli trial with probability of success 0.95 (i.e., 1 - 0.05):
Standard Deviation of Bank B's Payoff = √ (p×(1 - p))×Loan Amount
= √ (0.95 × 0.05) × $88 million = $1.953 million
So, the standard deviation of Bank A's overall payoff is $2.045 million, while the standard deviation of Bank B's overall payoff is $1.953 million.
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you purchased a call option on tsla with an exercise price of $180 for a premium of $5.0 and held it until the expiration date. what is your profit (per share) if the stock sells for $189 on the expiration date?
Your profit (per share) for purchasing a call option on TSla with an exercise price of $180 for a premium of $5.0 and holding it until the expiration date is $9.00 per share.
This is calculated by subtracting the premium you paid from the difference between the exercise price and the stock price at expiration.
For example, if the stock is selling for $189 on the expiration date, you would subtract the premium of $5.00 from the difference of $9.00 ($189 - $180) to get $9.00. Thus, your profit (per share) is $9.00.
A call option gives you the right, but not the obligation, to buy a certain number of shares of stock at a predetermined price, which is known as the exercise price. The premium is the cost of purchasing the option. If the stock price at expiration is greater than the exercise price, you will have a profit.
To calculate your profit per share, you subtract the premium from the difference between the exercise price and the stock price at expiration.
For example, if you purchased a call option on TSla with an exercise price of $180 for a premium of $5.00 and the stock is selling for $189 on the expiration date, you would subtract the premium of $5.00 from the difference of $9.00 ($189 - $180) to get $9.00. Thus, your profit (per share) is $9.00.
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Nestlé of Switzerland Revisited. Nestlé of Switzerland is revisiting its cost of equity analysis. As a result of extraordinary actions by the Swiss Central Bank, the Swiss bond index yield (10-year maturity) has dropped to a record low of 0.56%. The Swiss equity markets have been averaging 7.90% returns, while the Financial Times global equity market returns, indexed back to Swiss francs, stands at 8.39%. Nestlé's corporate treasury staff has estimated the company's domestic beta at 0.913, but its global beta (against the larger global equity market portfolio) at 0.527. a. What is Nestlé's cost of equity based on the domestic portfolio for a Swiss investor? b. What is Nestlé's cost of equity based on a global portfolio for a Swiss investor?
a) In the problem, given the following details: Nestle's domestic beta = 0.913, Swiss bond index yield (10-year maturity) = 0.56%. Swiss equity market return = 7.90%
Now, we can calculate the cost of equity for Nestle based on domestic portfolio using CAPM model where: Rf = Swiss bond index yield = 0.56%, Return on market = Swiss equity market return = 7.90% and Beta (β) = Nestle's domestic beta = 0.913.
So, Cost of Equity (Ke) = Rf + β (Return on market - Rf)
Ke = 0.56 + 0.913 (7.90 - 0.56)
Ke = 7.4%. Hence, the cost of equity for Nestle based on the domestic portfolio for a Swiss investor is 7.4%.
b) In the problem, given the following details: Nestle's global beta = 0.527, Swiss bond index yield (10-year maturity) = 0.56%, Global equity market return = 8.39%
Now, we can calculate the cost of equity for Nestle based on global portfolio using CAPM model where: Rf = Swiss bond index yield = 0.56%, Return on market = Global equity market return = 8.39% and Beta (β) = Nestle's global beta = 0.527
So, Cost of Equity (Ke) = Rf + β (Return on market - Rf)
Ke = 0.56 + 0.527 (8.39 - 0.56)
Ke = 4.9%. Hence, the cost of equity for Nestle based on a global portfolio for a Swiss investor is 4.9%.
Therefore, the cost of equity for Nestle based on the domestic portfolio for a Swiss investor is 7.4% and the cost of equity for Nestle based on a global portfolio for a Swiss investor is 4.9%.
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use the table below to answer question dealing with the output and price of corn for 2011 and 2012. year output (in bushels) price/bushel 2011 10,000 $4.00 2012 12,000 $5.00 which of the following statements is true? (let 2011 be the base year.) group of answer choices the output index for 2011 is less than 1. the output index for 2012 is 1.25. the output index for 2012 is 1.20. the output index for 2012 is 0.83.
The correct answer is "the output index for 2012 is 1.20."
The output index is a measure of the change in output from one year to the next, relative to the base year. In this case, 2011 is the base year, so the output index for 2011 is 1.
To calculate the output index for 2012, we need to divide the output in 2012 by the output in 2011:
Output index for 2012 = Output in 2012 / Output in 2011 = 12,000 / 10,000 = 1.2
Therefore, the output index for 2012 is 1.2. This means that the output in 2012 is 20% higher than the output in 2011.
The correct answer is "the output index for 2012 is 1.20."
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(Rate with LGD, risk-averse lender) Assume a bank can invest in a government bonds at a risk-free rate of 5.1%. Alternatively, it can invest in a corporate bond with a default probability of 6.3%. If the issuer defaults, the bank expects to recover 79.3% of the investment. A risk-averse bank that requires an additional premium of 3.9% as a result of risk aversion would be indifferent between investing in the government bond and the corporate bond if the corporate bond offers a rate or ___________ . Calculate the answer by read surrounding text. %. Round to the nearest 0.01%, drop the % symbol. E.g., if your answer is 0.10245 or 10.245%, record it as 10.25.
the risk-averse bank would be indifferent between investing in the government bond and the corporate bond if the corporate bond offers a rate of 11.62%.
Why it is?
To find the rate at which the risk-averse bank would be indifferent between investing in the government bond and the corporate bond, we need to calculate the expected return on the corporate bond, taking into account the default probability and the recovery rate:
Expected return = (1 - Default probability) x (1 + Corporate bond rate) + Default probability x Recovery rate x (1 + Risk-free rate)
Plugging in the values given in the question, we get:
Expected return = (1 - 0.063) x (1 + r) + 0.063 x 0.793 x (1 + 0.051) = 1 - 0.063r + 0.004007
where r is the corporate bond rate.
The risk-averse bank requires an additional premium of 3.9%, so the expected return on the corporate bond must be at least 3.9% higher than the risk-free rate. In other words, we need to solve the following inequality:
Expected return ≥ Risk-free rate + 3.9%
1 - 0.063r + 0.004007 ≥ 0.051 + 0.039
Simplifying and solving for r, we get:
r ≥ (0.051 + 0.039 - 1 + 0.063) / 0.063 - 0.004007 / 0.063 = 0.1162
Rounding to the nearest 0.01% and dropping the % symbol, the answer is 11.62. Therefore, the risk-averse bank would be indifferent between investing in the government bond and the corporate bond if the corporate bond offers a rate of 11.62%.
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Fred can invest in a risky portfolio with a 25% standard deviation an expected return of 12% and T-Bills which currently pay 3%.
What percentage of his investment should Fred invest in the risky portfolio if he wants to 9% return? (a)
How much should he invest in the T-bill? (b)
What is the standard deviation (%) of Fred's portfolio? (c)
What is the Sharpe ratio of Fred's portfolio? (d)
(a) Using the formula for expected return of a portfolio, we have:
Expected return = (Weight of risky portfolio * Expected return of risky portfolio) + (Weight of T-bills * Expected return of T-bills)
9% = (Weight of risky portfolio * 12%) + (Weight of T-bills * 3%)
We also know that the sum of weights must equal 1:
Weight of risky portfolio + Weight of T-bills = 1
We can solve these equations simultaneously to find the weight of the risky portfolio:
Weight of risky portfolio = (Expected return - Expected return of T-bills) / (Expected return of risky portfolio - Expected return of T-bills)
Weight of risky portfolio = (0.09 - 0.03) / (0.12 - 0.03)
Weight of risky portfolio = 0.67 or 67%
Therefore, Fred should invest 67% of his portfolio in the risky portfolio.
(b) Since the sum of weights must equal 1, we can find the weight of T-bills by subtracting the weight of the risky portfolio from 1:
Weight of T-bills = 1 - Weight of risky portfolio
Weight of T-bills = 1 - 0.67
Weight of T-bills = 0.33 or 33%
Therefore, Fred should invest 33% of his portfolio in T-bills.
(c) The formula for the standard deviation of a portfolio is:
Portfolio standard deviation = sqrt((Weight of risky portfolio ^ 2) * (Standard deviation of risky portfolio ^ 2))
Portfolio standard deviation = sqrt((0.67 ^ 2) * (0.25 ^ 2))
Portfolio standard deviation = 0.1675 or 16.75%
Therefore, the standard deviation of Fred's portfolio is 16.75%.
(d) The Sharpe ratio is a measure of risk-adjusted return and is calculated as the excess return of a portfolio over the risk-free rate divided by the portfolio's standard deviation. The formula for Sharpe ratio is:
Sharpe ratio = (Expected return of portfolio - Expected return of T-bills) / Portfolio standard deviation
Sharpe ratio = (0.09 - 0.03) / 0.1675
Sharpe ratio = 0.3582 or 0.36 (rounded to two decimal places)
Therefore, the Sharpe ratio of Fred's portfolio is 0.36.
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