Saturday

April 25, 2015

April 25, 2015

Number of results: 36,877

**finance**

Define the following terms and identify their role in finance: 1. Finance 2. Efficient Market 3. Primary Market 4. Secondary Market 5. Risk 6. Security 7. Stock 8. Bond 9. Capital 10. Debt 11. Yield 12. Rate of Return 13. Return on Investment 14. Cash Flow
*October 9, 2011 by Anonymous*

**Finance**

Using the finance for the Goodyear Calendar Company caluate the basic ratios.
*February 3, 2010 by Sarah*

**Finance**

I need some help with an assignment that I am working on for Introduction to Finance class.
*November 21, 2009 by TinkRose*

**Finance**

What is the finance chrg on a 4200 LOAN that requires 12% downpmt and 24mthly pmt of $195
*February 3, 2010 by paulette*

**Finance**

Finance $650,000 for a warehouse with a10.50% 30 year loan what is the monthly payment
*September 15, 2013 by Anonymous*

**Finance**

Is leasing a building equivalent to having a company finance a project's construction via a long-term book?
*March 14, 2012 by Wilbert*

**finance**

entrepreneurial finance 4th edition chapter 4 mini case Jen and Larry's Frozen Yogurt Company
*March 6, 2013 by angel*

**Finance**

can you help with a finance problem that is due tonight at midnight
*October 11, 2007 by charlotte*

**Finance**

How come no one is answering any of the Finance questions?
*July 24, 2010 by tricica*

**Finance**

what is the mission of the Accounting and Finance Functional Area
*August 26, 2013 by ctm*

**Finance**

explain the relationship between finance and accounting, and how they operate to determine financial viability within a health care organization
*October 31, 2010 by vonnia*

**Math**

Aaron had an unpaid balance of $1,177.79 on his credit card statement at the beginning of April. He made a payment of $430.00 during the month, and made purchases of $366.02. If the interest rate on Aaron's credit card was 4.5% per month on the unpaid balance, find his finance...
*June 9, 2011 by CC*

**finance**

Refer to Figure 7-1 of Personal Finance. Why is it important to go through these steps when you are planning on making a large purchase? Provide at least one example to support your response.
*May 25, 2011 by chris *

**corporate finance**

Your finance text book sold 45,500 copies in its first year. The publishing company expects the sales to grow at a rate of 20.0 percent for the next three years, and by 7.0 percent in the fourth year. Calculate the total number of copies that the publisher expects to sell in ...
*July 30, 2014 by ALLEN*

**Business Math Question**

Find the finance charge per $100 on a loan of $12,600 with a finance charge of $1,638.
*November 8, 2012 by Will*

**finance**

Please help with finance question. Thanks What judgment would you make about diversification during an economic recession? An economic expansion?
*September 1, 2010 by star*

**Finance**

John Jones buys a flat screen TV costing $1200. He pays $200 down and finances the balance at 15% add-on interest, to be repaid in 18 monthly installments. Find the finance charge
*May 27, 2012 by Dan*

**personal finance**

Personal Finance.Why is it important to go through these steps when you are planning on making a large purchase?
*January 31, 2011 by Tarshaw*

**Public Finance**

Explain why using the local property tax to finance a given quantity and quality of public schooling can result in low tax rates in rich jurisdictions but high tax rates in poor jurisdictions. How do state governments supplement local finance of education to insure equality of...
*February 7, 2011 by Sha*

**Finance**

CAN SOMEONE PLEASE PLEASE HELP ME WITH A FINANCE QUESTION THAT I POSTED YESTERDAY,WEDNESDAY,FEB 27TH @ 5:58PM.PLAEASE,ANY AND ALL HELP WILL BE GREATLY APPRECIATED
*February 28, 2013 by Sara*

**Math**

Alice Dubois was charged $455 in finance charges on a loan for 15 months. Find the finance charge refund if she pays off the loan in full after 10 payments.
*July 6, 2014 by Chol*

**managerical finance**

You want to purchase a new condominium which costs $329,000. Your plan is to pay 20 percent down in cash and finance the balance over 25 years at 6.25 percent. What will be your monthly mortgage payment?
*October 3, 2013 by selam*

**Business Mathematics**

In finance department of a certain company, there are twice as many men as women and in the marketing department there are ten more men than women. The number of women in both departments is the same and there are two more workers in finance department compared to marketing ...
*April 20, 2011 by Ally*

**Accounting**

Accounts receivable in the amount of 250,000 were assigned to the fast Finance Company by Nance INC as security for a loan of 200,000. The finance company charged a 4% commision on the face amount of the loan, and the note bears interest at 9% per year. During the first month ...
*June 14, 2008 by adam*

**finance mortgage payment**

Purchase a home for $160,000. I intend to put down 20% and finance the remainder over 15 years at 6 3/8% interest. If my taxes & insurance totals $3,600 per year, how much will my total monthly payment be?
*November 21, 2010 by allen*

**Business math**

what the rebate of the finance charge and payoff would be if the pickup truck loan were paid off after 27 months instead of 60. Total of monthly payments 60 x 194.38. I don't know how to get the total finance charge
*November 14, 2010 by Rebecca*

**finance**

You have just purchased a new warehouse. To finance the purchase, you’ve arranged for a 25-year mortgage for 75 percent of the $3,600,000 purchase price. The monthly payment on this loan will be $17,700. What is the APR on this loan?
*January 19, 2014 by Anonymous*

**Finance**

A family purchased a new ski boat for $20,000. The loan agency required a down payment and financed the balance for 36 months with an APR of Determine the total finance charge and monthly payment for the loan.
*December 7, 2014 by Anonymous*

**algebra**

If you purchase an item for 1,272 at an interest rate of 9.8%, and you finance it for 1 year, how much is the amount of add -on interest?(round your answer to nearest dollar.)
*March 14, 2012 by Mark*

**Math**

Sarah must maintain a balance of at least $500 in her checking account to avoid finance charges. If her current balance is $794, write an inequality to determine how many times she can withdraw $25 for shopping without paying finance charges.
*November 13, 2008 by Franshesca*

**Business Algebra**

I need to know the formula for these questions and just how to do them. If you could help please. As a financial planner a client comes to you for investment advice. After meeting with him and understanding his needs, you offer him the following two investment options: Option ...
*December 21, 2010 by Diane*

**Maths**

In order to make some home improvements, a home owner spent $40,000. He paid 20% as a down payment and financed the balance of the purchase with a 36-month fixed installment loan with an APR of 7.5%. Determine the home owner’s a) total finance charge and b) monthly payment.. ...
*March 6, 2008 by Marty*

**Business - Sources of finance**

I have an assignement to do based on different types of sources of finance... im part way through exteral sources, i want to know how shareholders generate capital for a business Please could somebody help me or point me in the right direction? cheers
*September 23, 2008 by Sam*

**Finance**

Suppose that you want to purchase a home for $450,000 with a 30 year mortgage at 6% interest. Suppose that you can put 40% down. Assume that the monthly cost to finance $1,000 is $6.00. What are the monthly payments
*August 21, 2012 by Anonymous*

**Finance**

I have two finance questions that I need help on - willing to pay. Please respond back No need to pay. Just post the questions, and we will do our best to help. Thanks for asking.
*December 9, 2006 by Kim*

**Algebra/please can some one help I forgot**

ind the monthly payment for the loan. (Round your answer to the nearest cent.) Finance $450,000 for a warehouse with a 7.50% 30-year loan Thank you for your help.
*June 17, 2014 by Mary Ann*

**Math**

The finance charge on a copier was $1,778. The loan for copier was to be paid in 18 monthly payments. Find the finance charge refund if it is paid off in eight months.
*July 4, 2014 by Kgk*

**Math**

The finance charge on a copier was $1,778. The loan for copier was to be paid in 18 monthly payments. Find the finance charge refund if it is paid off in eight months.
*July 6, 2014 by Chol*

**Finance**

You have just purchased a new warehouse. To finance the purchase, you've arranged for a 30-year mortgage loan for 80 percent of the $2,800,000 purchase price. The monthly payment on this loan will be $17,000. What is the APR and ERA?
*September 23, 2012 by Anonymous*

**Finance Homework**

You are told by the finance section that a particular projects NPV is positive, but that the standard deviation of the NPV (after performing a monte carlo simulation) is exactly triple the expected NPV figure. If NPV is normally distributed, what is the probability that the ...
*October 17, 2012 by Lucas*

**Finance**

When solving for EBIT, What kind of algebra do I use? I replaced EBIT with x. The equation is: (x-0)(1-.4)/80,000=(x-153,400)(1-.4)/40,000
*January 11, 2012 by Please help*

**Math**

If you finance $50,000 of the purchase of your new home at 4.40% compounded monthly for 30 years, the monthly payment will be $250.38. If instead your had a rate of 4.80% compounded monthly for 15 years, the monthly payment will be $390.21. How much do you pay in total for the...
*March 27, 2011 by Shannon*

**Math**

Mr. and Mrs Smith have decided to buy new furniture. They have 2 options. The first is to pay cash of $4,200.00, the second is to finance with a 2 year installment loan. They would have to put down 12% with 24 equal payments of $195.00. According to this information, what is ...
*November 23, 2010 by Mare*

**History**

I have to write solutions on how to solve the social security problem (the amount to pay retirees will exceed the amount collected to finance the program.) The solutions are, raising the taxes that finance S.S. and Paying S.S. benefits only to people who earn less than a ...
*September 15, 2014 by Meghan*

**math forgot questions**

a new refrigerator costs $2495. It may be purchased for $95 down and 24 monthly payments of $125 eachI forgot questions What is the total cost of the refrigerator if you finance it? b) What are the finance charges (total interest)?
*July 6, 2012 by jean*

**personal finance**

Chloe has a $2,500 credit limit on her credit card and has charged $1,295.19 to her account. There is a 1.5% finance charge on the $1,295.19. How much must Chloe pay to clear her account?
*March 14, 2014 by maria*

**finance**

your finance text book sold 47,500 copies in the 1st year the publishing company expects the sales to grow at a rate of 23.0 percent for the next three years and by 12.0 percent in the fourth year calculate the total number of copies that the publisher expect to sell in year 3...
*December 4, 2013 by Anonymous*

**Finance**

You have just purchased a new warehouse. To finance the purchase, you have arranged for a 30-year mortgage loan for 80 percent of the $2,800,000 purchase price. The monthly payment on the loan will be $22,000. a. What is the effective annual rate (EAR) on this loan?
*November 17, 2013 by lp*

**business finance**

You have saved $15,000 for down payment on a car costing $55,000, and plan to finance the rest with a 5-year loan. The dealer is offering you a loan with a monthly payment of $1,050. What effective annual rate of interest is the dealer charging on the loan
*February 23, 2014 by sakiss*

**finance**

Your finance text book sold 49,500 copies in its first year. The publishing company expects the sales to grow at a rate of 23.0 percent for the next three years, and by 9.0 percent in the fourth year. Calculate the total number of copies that the publisher expects to sell in ...
*October 15, 2013 by varneca*

**math**

Elaine purchased a new copy machine and financed it for one year. The installment price was $3824.25 and the cash price was $3565. Find the amount of finance charge using the formula Finance charge = Installment price – Cash price.
*September 8, 2013 by Francine*

**Finance - Required Return from a Beta**

Hi, I need to learn how to explain and solve the following Finance problem. I don't understand this at all!!!, please show all solutions... Calculate the required return on an asset that has a beta of 1.25, when the expected return on the market portfolio is 10% and the ...
*October 4, 2011 by Dantes*

**Business Algebra**

Part I: As a financial planner a client comes to you for investment advice. After meeting with him and understanding his needs, you offer him the following two investment options: Option 1 (refer to section on Mathematics of Finance in your text.): Invest $23,000 in a savings ...
*December 21, 2010 by Tracey*

**algebra with application**

Suppose that you want to purchase a home for $450,000 with a 30 year mortgage at 6% interest. Suppose that you can put 30% down. Assume that the monthly cost to finance $1,000 is $6.00. What are the monthly payments?
*November 27, 2011 by Anonymous*

**Finance**

I need help with this finance homework question PLEASE! Any help greatly appreciated! Your firm has been presented a leasing alternative on a new pizza dough machine. The annual lease payments would be $135m. Tax rate is 40%. The lease is for ten years. Determine the ATCFs for...
*April 25, 2007 by Claire*

**Math**

please check my answer thanks :) Mark has a finance charge on a loan of $984.00 based on the information below what is the total deferred payment price. price of loan is $4,200 Mark is going finance his purchase with a two-year installment plan with a 12% down payment and 24 ...
*November 28, 2007 by Alarena*

**Bus Finance**

You want to purchase a home. cost $165,000. you have $40,000 downpayment. you want to finance rest at 3.5% for 15 years. how much will monthly mortgage be? How much in total will you pay over the 15 years even counting the downpayment? I came up with payment of $893.6 for ...
*February 3, 2012 by allison*

**algebra**

Suppose that you want to purchase a home for $450,000 with a 30 year mortgage at 6% interest. Suppose that you can put 30% down. Assume that the monthly cost to finance $1,000 is $6.00. What are the monthly payments? Steps or examples please
*November 23, 2011 by Torra*

**Finance**

Find the finance charge in the open end charge account. Assume interest calculated is on the unpaid balance of the account Unpaid balance $611.80 Monthly interest rate 1.1%
*February 21, 2013 by Kate *

**Math**

I need help calculating the finance charge and new balance using the previous balance method. Previous balance = $179.32 Annual rate = 16% Finance charge = $ ? New purchases = $117.42 Payments/credits = $85.00 New balance = $ ? I also need help calculating the unpaid balance, ...
*January 26, 2010 by Ralph*

**sports finance**

Assume that you are an NBA team owner who wants to build an arena with a budget of $400 million. You will provide $200 million of your own funds, but must finance the remaining balance. Calculate: A bank is willing to lend you 60% of the remaining balance at 5% interest. You ...
*October 12, 2010 by darryl*

**math**

Calculate the finance charge and new balance using the previous balance method. Previous balance = $179.32 Annual rate = 16% Finance charge = New purchases = $117.42 Payments/credits = $85.00 New balance =
*June 14, 2010 by john*

**MBA Executive : Banking & Finance**

The Hypothetical Finance Ltd has structured a hire-purchase deal. The required to make a down payment of 20 per cent of the investment cost. The hire-term is four years with quarterly payment in advance. The flat rate of interest is 13 per cent. The finance company would ...
*April 9, 2011 by sushma*

**MBA FINANCE**

1. The Hypothetical Finance Ltd has structured a hire-purchase deal. The required to make a down Payment of 20 per cent of the investment cost. The hire-term is four years with quarterly payment in advance. The flat rate of interest is 13 per cent. The finance company would ...
*July 8, 2013 by MBA FINANCE*

**MBA FINANCE**

1. The Hypothetical Finance Ltd has structured a hire-purchase deal. The required to make a down Payment of 20 per cent of the investment cost. The hire-term is four years with quarterly payment in advance. The flat rate of interest is 13 per cent. The finance company would ...
*July 8, 2013 by MBA FINANCE*

**Economics**

What is the differemce between "the law of one price" and "PPP"? Check this site for explanations. http://internationalecon.com/Finance/Fch30/F30-1.php
*March 24, 2007 by Angel*

**Finance**

Nick has a revolving department store credit card account 15%. Last month balance on the account was $423.78. During the current month, he made purchases totaling $123.42 and made a payment of $100. The store uses the unpaid balance method. According to this information, what ...
*January 17, 2012 by Renee*

**finance charges**

Calculate the monthly finance charge for the credit card transaction. Assume that it takes 10 days for a payment to be received and recorded, and that the month is 30 days long. (Round your answers to the nearest cent.) $500 balance, 17%, $50 payment (a) previous balance ...
*November 16, 2013 by Anonymous*

**math**

Jeanna wants to buy a new boat for her family. She has two payment options. The first option is to pay a cash payment of $7,200. The second option is to finance the boat with a three-year instalment loan. The loan requires a 10% down payment and 36 equal monthly payments of $...
*April 7, 2013 by Vickie*

**finance**

A conservative financing plan involves A. heavy reliance on debt B. heavy reliance on equity C. high degree of financial leverage D. high degree of combined leverage This question is making my brain hurt, it seems straight foward, but I am still rather inexperienced with basic...
*July 25, 2008 by Jason*

**Business Math**

Jeanna wants to buy a new boat for her family. She has two payment options. The first option is to pay a cash payment of $7,200. The second option is to finance the boat with a three year installment loan. The loan requires a 10% down payment and 36 equal monthly payments of $...
*October 19, 2014 by David*

**Business Math**

Terry has an 18-month installment loan for $1,700 at 12% annual interest. Interest is compunded using the Rule of 78. Terry decides to pay back the loan at the end of the first month. 1. What is the total finance charge on the loan? The answer is $306, but I don't see how you ...
*January 14, 2008 by Tracy*

**CHarter One Bank (Personal Finance)**

For Personal Finance I am suppose to answer some questions about the bank Charter One. I called my local bank and they are closed so I was wondering if any of you guys knew these answers? ATM's conveniently located? Fees? How Much? Interest paid on account balance? How Much? ...
*September 15, 2010 by Sarah*

**algebra with application**

Suppose that you want to purchase a home for $450,000 with a 30 year mortgage at 6% interest. Suppose that you can put 20% down. Assume that the monthly cost to finance $1,000 is $6.00. What is the total amount of interest paid on the 30 year loan?
*November 27, 2011 by Anonymous*

**Finance**

Professor Anderson has a daughter who is 3 years old. In 15 years she will go to college and he is uncertain whether he has saved enough to finance her college education. Based on his reading, he believes that it will cost $208,000 to pay for his daughter’s education in 15 ...
*September 24, 2012 by Nk*

**Finance**

Professor Anderson has a daughter who is 3 years old. In 15 years she will go to college and he is uncertain whether he has saved enough to finance her college education. Based on his reading, he believes that it will cost $208,000 to pay for his daughter’s education in 15 ...
*September 24, 2012 by Nk*

**ALGEBRA**

Calculate the monthly finance charge for the following credit card transaction. Assume that it takes 10 days for a payment to be received and recorded and that the month is 30 days long. (Round your answer to the nearest cent.) $500 balance, 20% rate, $50 payment, previous ...
*November 26, 2011 by MONICA*

**Finance**

You are currently only invested in the Natasha Fund (aside from risk-free securities). It has an expected return of 14% with a volatility of 20%. Currently, the risk-free rate of interest of 3.8%. Your broker suggests that you add Hannah Corporation to your portfolio. Hannah ...
*August 2, 2010 by Anonymous*

**ALGEBRA**

Suppose that you want to purchase a home for $450,000 with a 30 year mortgage at 6% interest. Suppose that you can put 40% down. Assume that the monthly cost to finance $1,000 is $6.00. What is the total amount of interest paid on the 30 year loan? I need help.Steps please.
*November 26, 2011 by MONICA*

**math**

Carla Compra borrowed $800 at 14% for one year. She paid a $15 processing fee. The interest paid will be $. Thus, the total finance charge (the interest plus the processing fee) will be $ Therefore, to the nearest tenth, the APR = total finance charge ÷ amount borrowed = %.
*October 7, 2014 by Anonymous*

**ALGEBRA**

Calculate the monthly finance charge for the following credit card transaction. Assume that it takes 10 days for a payment to be received and recorded and that the month is 30 days long. (Round your answer to the nearest cent.) $500 balance, 20% rate, $400 payment, adjusted ...
*November 27, 2011 by Daniel*

**ALGEBRA**

Calculate the monthly finance charge for the following credit card transaction. Assume that it takes 10 days for a payment to be received and recorded and that the month is 30 days long. (Round your answer to the nearest cent.) $300 balance, 18% rate, $250 payment, previous ...
*April 29, 2012 by Mike*

**ALGEBRA**

Calculate the monthly finance charge for the following credit card transaction. Assume that it takes 10 days for a payment to be received and recorded and that the month is 30 days long. (Round your answer to the nearest cent.) $300 balance, 18% rate, $250 payment, previous ...
*May 17, 2012 by Monic*

**math**

Karla borrowed $750 at 12 percent for one year. She paid a $20 processing fee. The interest paid will be $95.00, $92.50, or $90.00 Thus, the total finance charge (the interest plus the processing fee) will be? $115.00, $112.50, or $110.00 ? Therefore, to the nearest tenth, the...
*January 27, 2010 by Kim*

**math**

Karla borrowed $750 at 12 percent for one year. She paid a $20 processing fee. The interest paid will be $95.00, $92.50, or $90.00 Thus, the total finance charge (the interest plus the processing fee) will be? $115.00, $112.50, or $110.00 ? Therefore, to the nearest tenth, the...
*January 26, 2010 by Kimmy*

**Algebra w/Applications**

Calculate the monthly finance charge for the following credit card transaction. Assume that it takes 10 days for a payment to be received and recorded and that the month is 30 days long. (Round your answer to the nearest cent.) $3,000 balance, 21% rate, $150 payment, adjusted ...
*December 21, 2012 by Traci*

**Finance**

ABC Company is engaged in the manufacturing of electronic equipment. The Company has reported net loss for the year 2013 but its Cash Flow Statement is showing a positive net cash flow. Being a student of Business Finance, you are required to discuss briefly the reasons behind...
*April 28, 2014 by fatima*

**Business Math**

Can someone please check over my answers? I'm not sure about them, especially part c. A small boat can be bought for $3,000 cash or on the installment plan by paying $300 down and $108 a month for 30 months. a) What is the installment price of the boat? $3,540 b) What is the ...
*January 14, 2008 by Tracy*

**Finance**

Hello, I am doing a finance case, Twilight Acre Farms, and I am trying to determine cash flows. I was not given a revenue figure, only that productivity will increase 15% with the new machine. I do not know what to do. It says in the case that excess capacity is worth $35/hour...
*September 1, 2010 by Brittany*

**Math**

please help me I am not really sure about this please check answer thanks :) Mary has decided to purchase furniture. She has 2 choices she can pay the full amount of $4,200.The other choice is to finance the furniture for two years with an installment loan. The loan requires a...
*November 19, 2007 by Anonymous*

**math**

Mr. Chang and his wife together had an unpaid balance of $500 on their credit cards for one month. THe bank that issued Mr. Chang's credit card charges an intrest rate of 1.25% a month and his wife's interest is 1.5 per month. If the total interest finance charge was $6.75 how...
*February 14, 2010 by Mary*

**Mathematics of Finance**

Richard borrowed 170000 dollars from his bank to help finance the purchase of a house. The bank charges interest a rate of 8.9 percent per year compounded monthly. Richard has agreed to repay the loan in equal monthly installments over 35 years. a) How much should each payment...
*March 9, 2013 by Lee*

**Algebra 1**

A finance company offers cheaper interest rates if you borrow a larger sum of money for shorter time period. A borrower is offered $7000 at 12% or $10080 at 10%. If the tome for the lager loan is 6 months less but the total interest is the total interest is the same, find the ...
*November 9, 2010 by Lola*

**Finance**

Calculate the monthly finance charge for the credit card transaction. Assume that it takes 10 days for a payment to be received and recorded, and that the month is 30 days long. (Round your answers to the nearest cent.) $200 balance, 14%, $50 payment (a) previous balance ...
*November 22, 2014 by NLJ*

**finance**

I'm in great need of help with a finance problem. You are a small business owner and you have the opportunity to expand your facility, which will increase your production capacity over the next 5 years. The expansion will cost $60,000 and additional equipment will cost another...
*September 9, 2014 by karen*

**ALGEBRA**

Calculate the monthly finance charge for the following credit card transaction. Assume that it takes 10 days for a payment to be received and recorded and that the month is 30 days long. Assume 365 days in a year. (Round your answer to the nearest cent.) $3,000 balance, 21% ...
*May 6, 2012 by Randy*

**ALGEBRA**

Calculate the monthly finance charge for the following credit card transaction. Assume that it takes 10 days for a payment to be received and recorded and that the month is 30 days long. Assume 365 days in a year. (Round your answer to the nearest cent.) $3,000 balance, 21% ...
*May 18, 2012 by Monic*

**business and finance**

Please hel me to solve the following applications. Business and finance. A store has T-shirts on sale at 2 for $5.50. At this rate, what do five T-shirts cost? Thank you for using the Jiskha Homework Help Forum. Why not find out what one shirt costs first? Divide $5.50 by 2 ...
*April 1, 2007 by carmen*

**com170**

CAN YOU TELL ME IF I HAVE FIVE ADVERBS FIVE ADJECTIVES AND FIVE PRONOUNS I recently had a serious talk with my sister about her personal finance; she wants to be able to buy a new home this year. We carefully went over all her finance, while doing this we found out that her ...
*January 24, 2011 by angela*

**ALGEBRA**

Calculate the monthly finance charge for the following credit card transaction. Assume that it takes 10 days for a payment to be received and recorded and that the month is 30 days long. Assume 365 days in a year. (Round your answer to the nearest cent.) $3,000 balance, 21% ...
*May 20, 2012 by Mike*