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Archive for the ‘Taplets’ Educational Insight’ Category

by RAYMOND KING

We’re so used to seeing college students go to school and getting their education the traditional way that it is often a surprise for many why online degrees are now being offered. Regardless of whether we’d thought that only non-conformists would resort to such actions, we are wrong. We’re so used to seeing college students go to school and getting their education the traditional way that it is often a surprise for many why online degrees are now being offered. Regardless of whether we’d thought that only non-conformists would resort to such actions, we are wrong.

Did you even know that online education systems are a hit? Lots of individuals find this system much better than the traditional way to go to college on account of its comfort. With this incredible convenience, online education happens to be popular among the old and young.

Many of us have a problem managing their time as well as resources. Whether or not this has been an option before, now, online education lets them manage both. Men and women can work to repay their education tuition. Nothing should be sacrificed for the price of education.

You’ll discover that lots of individuals who are attending school along with working are still able to have a full day of work. This happens because online education gives you a means to do both. This method provides them the knowledge they want without exhausting them with commute from work to school and vice versa. In addition, it enables persons to make the most of their time.

Why else is this online education a hit? Everybody – even mothers – can take advantage of the system. At present, more stay at home parents are provided the chance to pursue their desired online degree while not having to sacrifice their time for their family. It allows parents the way to balance work, school, and family.

One of the greatest effects of this system is the ability to multi-task. Little time is ever misused simply because you will truly be making the most of your worktime. You get to be a part of your child’s life and enjoy his or her progress while furthering your personal intellectual progress.

Besides the expenses saved through the lack of commuting, textbooks, childcare charges, or materials, online courses are the very essence of comfort. When others wouldn’t want to just sit in front of the pc and lose the chance of a classroom connection, other people prefer to study in comfortable clothing, inside the comfort of their home.

All in all the view about the efficacy of the online educational system is subjective. However, the latest scientific studies have in fact established that getting an education this way is a superb solution for the working individual, trying to be successful in all possible areas of his life – family , career and finances.

by Murray Raphel

I have a theory on doing business. If my business is good, it’s not because of the weather, the time of year or the economy. It’s because of me. I’m doing something right. If my business is bad, it’s not because of the weather, the time of the year or the economy. It’s because of me. I’m doing something wrong. Somebody is always buying something from somebody, so how can I make them buy from me?

First of all, you need confidence in yourself and your merchandise with clear goals and knowledge of the products you are selling. Only then can you inspire dedication from your staff and a willingness to buy from customers.

Successful business people, no matter what their industry, have been found to share similar traits. Today’s world is no longer satisfied with simply success–we want to know how the successful get to the top. The Russians developed a concept called “anthropomaximology,” in which they try to answer the question of why some individuals outperform others. Through the years I’ve done some anthropomaximology of my own and found there are certain qualities that describe successful business people. Here are a few:

1 They constantly set higher goals Successful business people are mountain climbers who, having climbed one peak, look beyond to the next highest. They are the retailers who send 1,500 mailers to their customers and yield a good turnout of 100. But instead of being satisfied with 100, they ask how they can increase that number to 150 the next time.

For example, Donald Kelley of Kelley Frame and Art Galleries, with locations in Minnesota and Wisconsin, continually tries to improve his e-mail list. “My goal is to collect 150 new e-mail names every month and send out a new e-mail message to this list every two weeks.”

2 They avoid “comfort zones” To a successful person, standing still feels like going backwards. People who stay in their comfort zones do what they did before because it’s “the way we’ve always done it:” They run the same ads, buy the same merchandise in the same way and avoid anything new, different or unusual because they feel they might do something wrong. They blame any lack of business on the weather, the time of the year, the economy–anything except for themselves.

Successful gallery owners attend art shows, read catalogs and visit other galleries in their travels. They are always searching to find unique art exclusive to their galleries. They take control of their own destiny and market their businesses as exciting destinations.

3 They are driven by accomplishments, not money

Successful people follow the theory of Apple Computer’s founder Steve Jobs, who said, “The journey is the reward.” They are customer focused, not product focused. Their thrill is not the ringing of the register but the crowds responding to their mailing. For them, there is no greater high than a line outside the store before the doors open.

4 They solve problems rather than place blame

A telephone pole blocked the view of Ron Bishop’s Canadian gallery. He knew it would be difficult, if not impossible, to have the telephone pole moved. His solution was to paint the pole with an Impressionistic theme. Once it was finished, the local paper came, took a picture and wrote a story about it. “It was great publicity,” said Bishop. “And then the calls started coming, asking, ‘Is it for sale?’”

Successful gallery owners do not waste their time looking at problems and saying, “It’s not our fault” or “Why didn’t we …” They say, “Let’s look at what went wrong and realize it was a learning experience and figure out how we can make it work next time.”

When a customer hears it will take a week or longer to have their art framed, and says, “Sorry, that’s too long,” do you shrug your shoulders and say, “Well, that’s how long it takes.” Or do you think, “Hmmmm, if that’s what the customer wants, how can I solve their problem?”

5 They look at the worst possible scenario

“What’s the worst possible result if we follow this plan?” they ask themselves. Then, knowing that, they decide if the risk-taking is practical.

However, once they make the decision, they proceed with the confidence, knowledge and expertise necessary to make it work.

They understand the most harmful result and then decide if they can live with the outcome. If they can, they move ahead. Confidently.

Galleries that concentrate on one type of art often decide to reach into an unrelated area. Sometimes a gallery will fail in an attempt to broaden their focus, but successful performers understand even defeat is a learning experience.

“Every time I fail,” said Thomas Edison, “I learn something.” He tried 1,114 times to find a filament to stay lit in a bulb. He failed 1,113 times.

6 They rehearse the future as they see it

“I believe our future is a one-stop shop for decorating. In addition to limited-edition prints and posters, we now offer collectibles, gift items and small occasional furniture pieces,” said Christine Knoll of the Art Gallery of Hog Hollow in Chesterfield, Mo.

Successful people move towards the pictures they create in their mind. They can rehearse coming actions or events as they “see” them. They are like chess players who can “feel” the next move of their opponent and have half a dozen responses ready when their time comes to move.

Many successful athletes will say they practice “seeing” themselves winning the race, hitting the home run or scoring the touchdown. They actually visualize a future event which gives them the impetus to achieve the goal.

How many of these six characteristics are yours? The more you have, the higher degree of probability you will be doing more business next year instead of being one of the thousands of retailers listed in the obituary pages of the local paper’s business news. ABN

Successful Business People:

–Constantly set higher goals

–Avoid “comfort zones”

–Driven by accomplishments, not money

–Solve problems rather than place blame

–Look at the worst possible scenario

–Rehearse the future as they see it

Murray Raphel is one of the nation’s leading marketing experts and author of several business books….

Meaning of entrepreneurship has evolved over the centuries

  (The following one-page essay is taken from the U.S. Department of State publication, Principles of Entrepreneurship.)

What Is Entrepreneurship?

Essence of Entrepreneurship

What is meant by entrepreneurship? The concept of entrepreneurship was first established in the 1700s, and the meaning has evolved ever since. Many simply equate it with starting one’s own business. Most economists believe it is more than that.

To some economists, the entrepreneur is one who is willing to bear the risk of a new venture if there is a significant chance for profit. Others emphasize the entrepreneur’s role as an innovator who markets his innovation. Still other economists say that entrepreneurs develop new goods or processes that the market demands and are not currently being supplied.

In the 20th century, economist Joseph Schumpeter (1883-1950) focused on how the entrepreneur’s drive for innovation and improvement creates upheaval and change. Schumpeter viewed entrepreneurship as a force of “creative destruction.” The entrepreneur carries out “new combinations,” thereby helping render old industries obsolete. Established ways of doing business are destroyed by the creation of new and better ways to do them.

Business expert Peter Drucker (1909-2005) took this idea further, describing the entrepreneur as someone who actually searches for change, responds to it, and exploits change as an opportunity. A quick look at changes in communications – from typewriters to personal computers to the Internet – illustrates these ideas.

Most economists today agree that entrepreneurship is a necessary ingredient for stimulating economic growth and employment opportunities in all societies. In the developing world, successful small businesses are the primary engines of job creation, income growth, and poverty reduction. Therefore, government support for entrepreneurship is a crucial strategy for economic development.

As the Business and Industry Advisory Committee to the Organization for Economic Cooperation and Development (OECD) said in 2003, “Policies to foster entrepreneurship are essential to job creation and economic growth.” Government officials can provide incentives that encourage entrepreneurs to risk attempting new ventures. Among these are laws to enforce property rights and to encourage a competitive market system.

The culture of a community also may influence how much entrepreneurship there is within it. Different levels of entrepreneurship may stem from cultural differences that make entrepreneurship more or less rewarding personally. A community that accords the highest status to those at the top of hierarchical organizations or those with professional expertise may discourage entrepreneurship. A culture or policy that accords high status to the “self-made” individual is more likely to encourage entrepreneurship.

This overview is the first in a series of one-page essays about the fundamental elements of entrepreneurship. Each paper combines the thinking of mainstream economic theorists with examples of practices that are common to entrepreneurship in many countries. The series attempts to answer: Why and how do people become entrepreneurs? Why is entrepreneurship beneficial to an economy? How can governments encourage entrepreneurship, and, with it, economic growth?

A Leader in You

When you are at work, do you get frustrated because things don’t seem to be happening the way they’re supposed to be? You see people milling around but nothing gets accomplished. And in the daily hustle and bustle, do you feel that your goals remain just that – goals. Then maybe it’s time for you to stand up and do something about it.

Most people are content just to stand around listening for orders. And it isn’t unusual to adopt a follow-the-leader mentality. But maybe, somewhere inside of you, you feel the desire to make things happen – to be the head, not the tail. Then maybe leadership just suits you fine.

Some people believe that great leaders are made, not born. Yes, it may be true that some people are born with natural talents. However, without practice, without drive, without enthusiasm, and without experience, there can be no true development in leadership.

You must also remember that good leaders are continually working and studying to improve their natural skills. This takes a commitment to constantly improve in whatever endeavor a person chooses.

First of all, let’s define leadership. To be a leader, one must be able to influence others to accomplish a goal, or an objective. He contributes to the organization and cohesion of a group.

Contrary to what most people believe, leadership is not about power. It is not about harassing people or driving them using fear. It is about encouraging others towards the goal of the organization. It is putting everyone on the same page and helping them see the big picture of the organization. You must be a leader not a boss.

First of all, you have to get people to follow you. How is this accomplished?

People follow others when they see a clear sense of purpose. People will only follow you if they see that you know where you are going. Remember that bumper sticker? The one that says, don’t follow me, I’m lost too? The same holds true for leadership. If you yourself do not know where you’re headed to, chances are people will not follow you at all.

You yourself must know the vision of the organization. Having a clear sense of hierarchy, knowing who the bosses are, who to talk to, the organization’s goals and objectives, and how the organization works is the only way to show others you know what you are doing.

Being a leader is not about what you make others do. It’s about who you are, what you know, and what you do. You are a reflection of what you’re subordinates must be.

Studies have shown that one other basis of good leadership is the trust and confidence your subordinates have of you. If they trust you they will go through hell and high water for you and for the organization.

Trust and confidence is built on good relationships, trustworthiness, and high ethics.

The way you deal with your people, and the relationships you build will lay the foundation for the strength of your group. The stronger your relationship, the stronger their trust and confidence is in your capabilities.

Once you have their trust and confidence, you may now proceed to communicate the goals and objectives you are to undertake.

Communication is a very important key to good leadership. Without this you cannot be a good leader. The knowledge and technical expertise you have must be clearly imparted to other people.

Also, you cannot be a good leader and unless you have good judgment. You must be able to assess situations, weigh the pros and cons of any decision, and actively seek out a solution.

It is this judgment that your subordinates will come to rely upon. Therefore, good decision-making is vital to the success of your organization.

Leaders are not do-it-all heroes. You should not claim to know everything, and you should not rely upon your skills alone.

Seeing things differently is good

You should recognize and take advantage of the skills and talents your subordinates have. Only when you come to this realization will you be able to work as one cohesive unit.

Remember being a leader takes a good deal of work and time. It is not learned overnight. Remember, also, that it is not about just you. It is about you and the people around you.

So, do you have the drive and the desire to serve that is required of leaders? Do you have the desire to work cooperatively with other people? Then start now. Take your stand and be a leader today.

A company’s financial position indicates the amount of resources that they have, and also the claims against those precious resources at any time.  Claims can also be referred as equities. So, a company can be known as a combination of economic resources and equities.  Economic Resource=Equities.

     No matter what type of business you’re in, every type of company has two different types of equities. They are creditor’s equity and owner’s equity.  In another way Economic Resources= Creditors Equities +Owners Equity.  When using accounting language, the economic resources a company has at a particular time is called their assets?  On the other hand the amount of creditor’s equity a company has is known as their liabilities.  So here is the standard equation of accounting or better known as the accounting equation: Assets=Liabilities + Owner’s Equity.  Similar to an algebraic equation, both sides of the equation has to be equal. This equation comes in handy when analyzing the financial effects of your everyday business activities.

Counting your Assets is the beginning of Fun

      Let’s talk about a very important concept of any business. Assets are known as the economic resources that a business has that are expected to generate money for them in the future.  Some examples are real estate and any other property that a business owns so that they can rent out to people.  If a business is owed money then it goes into what is known as accounts receivable which are monetary items. However, there are some assets that are not physical. Some examples are copyrights, trademarks, and patents, but they are still extremely valuable to a business. 

      Next, liabilities are the obligations that a business has such as paying cash, provide future services to individuals, or transferring assets to another entity.  These are known as the debt of a business or the money that they have to owe in the near future. All of these are recorded in the accounts payable.  As I’m sure you know, having a lot of debt is not fun and liabilities/debt are claims that are seen by the law. The law gives creditor (People that money is owed to) the right to push the sale of a company’s assets if they don’t pay their debt on time.  Creditors have a ton of rights over owners and they have to be paid in full even before the owners receive anything.

      It is very possible for a debt to consume up all a company’s resources. Next, owner’s equity refers to the claim that owners of a business make in regards to the assets they have. It is the residual interest or the remaining assets of a company after deducting the amount of entity liabilities.  Here is the equation for owner’s equity. Owner equity=Assets-Liabilities. The owner’s equity within a particular corporation is referred as stockholders equity, so the equation then looks like this. Assets=Liabilities +Stockholder’s Equity. 

     The stockholders equity has two distinct parts which are the contributed capital and retained earnings.  Stockholder’s Equity=Contributed Capital + Retained Earnings. The amount that an individual stockholder puts into a business is known as the contributed capital. Contributed capital is usually divided into two separate parts known as par value and “par value” and “additional paid in capital.”  The retained earnings are the amount of equity that is earned by stockholders from the income generating activities of a business that are kept for future uses by a business.

     Retained earnings are affected by three types of transactions which are revenues, expenses, and dividends.  The increase and decrease in a stock are known as revenues and expenses respectively and these come from operating a business whether online or offline. If you’re online an operating expense that you will have if you have your own website is your domain name and hosting service.

    Another example,  if a customer agrees to pay you in the near future for a service that the company will perform. The money is recorded in the accounts receivable (asset account) which increase the asset value but decrease the stock holder’s equity amount which is an example of revenue. However, if a company promises to provide a service in the future this is known as an expense. When this happens the assets decrease (accounts receivable) and the liabilities (accounts payable) is increased, which makes pretty good sense right? When the revenues exceed the expenses this is known as the net income which is good, and on the other hand when expenses are greater than revenues this is known as net loss which means that you’re losing business or your business costs more to operate than what you make.

     Dividends are the distribution of assets to stockholders which refer to the past earnings.  Do not confuse expenses with dividends, because they both are reducing the retained earnings amount. Retained earnings are the collected net income or revenues minus expenses. 

     The financial statements are the main way for communicating information about a business to those who have some type of interest in it. What helps me is to think of these statements as a type of model for business because they show how a business is doing in financial terms. However, like a variety of methods and models, financial statements are not perfect and have their flaws. There are four main financial statements, and they are income statement, the statement of retained earnings, the balance sheet, and the statement of cash flows. 

     What the income statement does is summarize the revenues earned or the money made, and the expenses or the money that is deducted from a business. Many accountants consider it the most important financial report because it makes it clear whether a business has met its profitability goal. 

In Business see the Progress

 The next one is the statement of retained earnings,  it displays the retained earnings over a period of time.  The time that the retained earnings will be zero is when a company first started out in their accounting period. A lot of companies use the statement of stockholder equity as a substitute of retained earnings. This is a more detailed statement because it displays not only the aspects of retained earnings, but it also shows the changes in the stockholders equity accounts. 

     Next, the financial situation of a business on a particular date, usually on the end of the month or the year is the balance sheet.  The balance sheet displays the value of a business according to their assets and the claims against those assets which are the liabilities and the stockholders equity. 

     Lastly, the statement of cash flows is geared towards a company’s liquidity measures.  They are basically the flow and outflow of cash in a company.  The net cash flow is the subtraction between the inflow and outflow of money.  The statement of cash flows also display the money generated by simply operating a business, and it also displays the investing and financing transactions that occurs during a particular accounting period.

Tick Tock....

“What Really Makes You Tick?” 10 questions you should ask to yourself: a preparation to self-improvement

Be all you can be, but it’s not always in the Army. I often see myself as somewhat contented with my life the way things are, but of course it’s hard to think of anything else when there are real issues to be discussed.

Still I aspire for something deeper and more meaningful.

So we’re all pelted with problems. Honestly it shouldn’t even bother or even hinder us to becoming all we ought to be. Aspirations as kids should continue to live within us, even though it would be short-lived or as long as we could hold on to the dream. They say you can’t teach an old dog new tricks… or can they?

1. What do I really want?
The question of the ages. So many things you want to do with your life and so little time to even go about during the day.

Find something that you are good at can help realize that small step towards improvement. Diligence is the key to know that it is worth it.

2. Should I really change?

Change is now

Today’s generation has taken another level of redefining ’self’, or at least that’s what the kids are saying. Having an army of teenage nieces and nephews has taught me that there are far worse things that they could have had than acne or maybe even promiscuity. So how does that fit into your lifestyle?

If history has taught us one thing, it’s the life that we have gone through. Try to see if partying Seventies style wouldn’t appeal to the younger generation, but dancing is part of partying. Watch them applaud after showing them how to really dance than break their bones in break-dancing.

3. What’s the bright side in all of this?
With so much is happening around us there seem to be no room for even considering that light at the end of the tunnel. We can still see it as something positive without undergoing so much scrutiny. And if it’s a train at the end of the tunnel, take it for a ride and see what makes the world go round!

4. Am I comfortable with what I’m doing?
There’s always the easy way and the right way when it comes to deciding what goes with which shoes, or purse, shirt and whatnot. It doesn’t take a genius to see yourself as someone unique, or else we’ll all be equally the same in everything we do. Variety brings in very interesting and exciting questions to be experimented.

5. Have I done enough for myself?
Have you, or is there something more you want to do? Discontentment in every aspect can be dangerous in large doses, but in small amounts you’ll be able to see and do stuff you could never imagine doing.

6. Am I happy at where I am today?
It’s an unfair question so let it be an answer! You love being a good and loving mom or dad to your kids, then take it up a notch! Your kids will love you forever. The same goes with everyday life!

7. Am I appealing to the opposite sex?
So maybe I don’t have an answer to that, but that doesn’t mean I can’t try it, though. Whether you shape-up, change the way you wear your clothes or hair, or even your attitude towards people, you should always remember it will always be for your own benefit.

8. How much could I have?
I suppose in this case there is no such things on having things too much or too little, but it’s more on how badly you really need it. I’d like to have lots of money, no denying that, but the question is that how much are you willing to work for it?

9. What motivates me?
What motivates you? It’s an answer you have to find out for yourself. There are so many things that can make everyone happy, but to choose one of the may be the hardest part. It’s not like you can’t have one serving of your favorite food in a buffet and that’s it. Just try it piece by piece.

What if this works?

10. What Really Makes You Tick?
So? What really makes you tick? You can be just about anything you always wanted to be, but to realize that attaining something that may seem very difficult is already giving up before you even start that journey. Always remember, that self-improvement is not just about the physical or philosophical change you have to undergo, but it’s something that you really want.

Have you ever noticed that the things you buy every week at the grocery and hardware stores go up a few cents between shopping trips? Not by much…just by a little each week but they continue to creep up and up.

 All it takes for the price to jump up by a lot is a little hiccup in the world wide market, note the price of gasoline as it relates to world affairs.

There is a way that we can keep these price increases from impacting our personal finances so much and that is by buying in quantity and finding the best possible prices for the things we use and will continue to use everyday… things that will keep just as well on the shelves in our homes as it does on the shelves at the grocery store or hardware store.

 For instance, dog food and cat food costs about 10% less when bought by the case than it does when bought at the single can price and if you wait for close out prices you save a lot more than that.

 Set aside some space in your home and make a list of things that you use regularly which will not spoil. Any grain or grain products will need to be stored in airtight containers that rats can’t get into so keep that in mind.

 Then set out to find the best prices you can get on quantity purchases of such things as bathroom items and dry and canned food.

 You will be surprised at how much you can save by buying a twenty pound bag of rice as opposed to a one pound bag but don’t forget that it must be kept in a rat proof container.

 You can buy some clothing items such as men’s socks and underwear because those styles don’t change, avoid buying children’s and women’s clothing, those styles change and sizes change too drastically.

 Try to acquire and keep a two year supply of these items and you can save hundreds of dollars. 

Our goal is to provide business resources, tools and information articles for entrepreneurial business men and women.

Check back soon new information is added often!

If writing is an art, then, blogging is one way of using words to come up with an art. This is because people who are into blogging are the ones who are artistic on their own sense, carefully choosing words that would best describe their feelings, sentiments, wishes, desires and everything.

Another height of Success

Basically, blogs were first introduced as weblogs that refer to a “server’s log file.” It was created when web logging hit the virtual market.  Since its inception in the mid-1990s, web logging gradually saturated the virtual community making the Internet a viable source of greater information.

However, with web logging, you still need a web site and domain names, but with blogging, you do not need anything just an account with blog providers.  In most cases, these kinds of blogs are free of charge.

With the onset of blogging in the industry, personal journaling had been a common ground for people who wish to be known all over the world.  However, not literally famous as this is not a case on being popular or well-known personality.

Generally, blogs are created for personal use. Like a journal, people can write their daily adventures, sentiments, and whatever ideas they want to express online.

Nevertheless, with the advent of the online businesses, blogs had gradually taken the limelight in providing businesses a chance to boost their productivity online.  This is where the business blogs have taken the limelight.

Business blogs are, basically, created to advertise the services or products of a certain web site or online business in order to increase online sales.

Moreover, business blogs are also one way of promoting the company so that the other readers will know that a certain company exists online. With blogs, entrepreneurs are able to establish a name in the virtual market through articles that can be very useful in the reader’s life.

From there, you can make money out of blogs by simply syndicating it to your business’ web site. This can be done through the RSS technology.

So, if you are thinking to create a blog, whether for business or for pleasure, you need to know some tips that could help you get through and make your blog one of the interesting blogs online.

Here’s how:

1. Consider your audience

Even if your blog is generally personal, still, it would be better to consider the minds of your readers. You have to think of something that would interest them.

After all, most of the reasons people write blogs are not at all confined to their own personal motives. Most of them would love to be “heard” (or read) and would love to be known, in some way or another, even for just a minute.  Hence, it is very important to come with a write up that everybody can understand, not necessarily that these people can relate to it but they can understand it.

2. Pictures speaks a thousand words

To make your blogging worth the browsing effort of your readers, it would be extremely nice if you will put some pictures in it. It does not necessarily mean you have to place a picture of yourself. Any photographs will do as long as it does not pose danger or insult to anyone who will be reading your blog.

3. Make constructive and beneficial blogs

Even if you are free to write anything you wan to say to the world, still, it would be better to create some write-ups that would be beneficial to your readers.

After all, its information technology that you have there so better be inclined to provide information rather than sheer quirky entertainment.

4. Avoid making multifaceted and complicated blogs

Complexity

In order to have an interesting blogs, try not to use some highly technical and highfalutin words. After all, it is not a science discourse or a debate that you are making, so better stick to simple facts and short blogs.

Bear in mind that most people who use the Internet usually do more scanning than scrutinizing each site word for word. Therefore, it would be better to come with blogs that will not bore your readers just because you have these lengthy articles.

5. Make it interactive

As much as possible and if your capacity will allow it, make your blog interactive. You can do this by placing some video or audio clips in your blog.

You can even place an area for comments or for some feedbacks. In this way, you can get some impressions or reactions of other people. Who knows, you might even gain some friends just by making them feel at home in your blog site.

Indeed, blogs are not created just for the mere fun of it.  It also has its own purpose in the world of the Internet.
Therefore, for people who wish to harness their craft, as far as writing is concerned, blogs are the best way to do it.

As they say, blogging is the contemporary term of creative and commercial writing.

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