When people consider investing in a company, they usually decide to put their trust in a particular business because it has a superior product that is gaining popularity or its financials are impeccable. However, if you look at some of the most successful companies in the world, you may notice that many of them have something in common—a great company culture. The reason why this aspect of a company is often not discussed is that it is not as quantifiable as earnings, sales and revenue growth. The company culture is experienced by people who are on “the inside.” Yet the culture can help determine how successful the company is.
The High Cost of Displeasing Employees
When a business is analyzed on purely quantifiable factors, cutting staff may seem like a great way to save money. After all, isn’t paying wages and benefits an added expense? What is ignored in this equation is how much more costly it is to lack a positive company culture and to be focused only on how much an employee costs in a numerical sense.
You could also look at a separate set of numbers that indicate how much it costs the company to look for qualified applicants and train them only to have to do the whole process over again a year later. Employees who are valuable and are aware of the value they can provide will not stay with a company that does not value their abilities.
If the company culture is not positive and does not provide any indication of purpose or what they could attain if they stay, talented people are likely to go. It is a fact that the more talented the employees are, the more likely they are to leave if they dislike the company culture. You can calculate how much it costs to hire and train someone new, but you can’t calculate the loss of a truly talented person who would have transformed their company.
Engagement and Success
Employee engagement is at a low point. Surveys show that most people do not feel their jobs express their sense of purpose or that they really feel a part of their companies. This infographic from Pepperdine University demonstrates the power of engagement and how to create it through a positive company culture.
Engagement is basically a feeling of being “into” your job, inspired and part of a team that is focused on achieving great things. A company with an engaged, enthusiastic workforce is more likely to achieve success than a company with workers who don’t truly feel a part of their organization. The secret sauce is a positive company culture.
Ways to Foster a Positive Company Culture
One of the best ways to create a positive company culture is through communication. Management should be accessible and at meetings, everyone should have a say, not only about their daily work experience but where they see the company heading. Input from employees can be valuable in creating a feeling of teamwork and generating new ideas. If employees feel they are being listened to, not just concerning complaints but their ideas and vision, they are more likely to feel they have a future with the company and are more likely to feel engaged.
They tend to be everywhere! Purchase it these days, and do not pay something for 6 months! No obligations, no curiosity until 2010. Some companies will let you know whatever you need to hear to get you within their doors and purchasing their items. “Bad credit score? Low credit score? No problem” these people say. But just how can they state that? How do individuals with credit problems end up getting a new credit line?
One from the answers so you can get you to purchase is a typical line associated with catalogs immediate credit provides. This is a kind of credit which stores, stores or catalogues offer with regard to purchasing their own products. That which you don’t learn about a list credit accounts can harm you monetarily. It is essential to understand all of the conditions and terms of any kind of credit contract you indication. Creditors aren’t always likely to tell a person everything you should know. Some is only going to tell you what you need to hear to be able to buy.
You will find pitfalls to some catalog credit score account. Some of those pitfalls is actually that just because a company uses this kind of account along with clients who usually have low credit ratings, they really are a higher risk kind of credit. Higher danger has more expensive, and the lending company will pass the larger cost along for you.
Another item to understand is what type of account you’re opening. Does your own agreement need equal installments with prearranged because of dates? Or is the account the revolving credit score account that’s accruing curiosity with each month the stability is delinquent?
If you believe you tend to be opening a merchant account with established interest and installments, be sure is that which you sign before you decide to make your own purchase. Otherwise you can end upward paying countless dollars a lot more than you prepared on because interest accrues as you make monthly obligations. Read your conditions and terms!
Don’t end up being fooled in case your lender supplies you with a Visa or even Master Greeting card or other brand credit card whenever you open the catalog accounts. You can’t use which card with regard to purchases away from limits defined during the time of your preliminary purchase. Even while you repay the balance and also have credit on that greeting card, the card is just good with regard to merchandise in the original merchant. Just since it says Visa does not mean you should use it anyplace Visa is actually accepted. Sometimes these types of catalog credit score accounts tend to be presented like a standard credit line. READ the small print before a person sign.
Another trick that could fool a person is that you will get approved for any much bigger credit quantity than your own purchase. Once again, that does not mean you should use the account to cover something otherwise. You may only utilize it with that one vendor. Incidentally, they do this on objective, hoping it will cost more cash than a person originally meant.
Another possible catch towards the catalog credit score account is actually that some need a membership fee to become listed on. Another is they require the absolute minimum purchase amount before you be dropped using their membership comes. Until a person meet which minimum, you’re on the actual hook to maintain purchasing from their store. That indicates they maintain sending a person products you might not want, while these people keep hoping you will not return all of them. If you do not, you must pay back them the entire purchase cost. You will discover book suppliers and songs vendors which employ this kind of catalog accounts.
Something else to consider in your own consideration associated with opening credit score is that we now have scams available that may defraud you from lots of money. While it may seem you might never obtain scammed, reconsider.
Some companies prove as list credit businesses, but they’re out to consider your money and gives you nothing in exchange. Here really are a few indicators.
NEVER react to a credit score solicitation you obtain by e-mail. These are often crooks searching for easy victim. They send a credit card applicatoin to your own email they have either bought from another person or phished. These programs sound as well good to become true, especially if you’re struggling to obtain credit and also have a low credit rating or haven’t had credit score before.
Basically said for you, “aren’t you fed up with hearing damaging news”, I’d feed in to more from the negative information as there’s chance which my query could trigger an adverse response. In addition to that, I question what it’s about many people that appear to enjoy becoming right about some kind of pending disaster and gloom.
I think that we provide the news media a poor rap and also the reason We say the reason being of Ian’s Brown’s Feb 26th article within the Globe As well as Mail — Divas associated with doom discover their popularity in pedaling the actual direst associated with fortunes in order to pessimistic public – Dismal is fashionable as need grows with regard to dark oracles associated with blood-filled roads and ‘zombie banks’.
Ian’s post isn’t referring to the disaster and gloom associated with blood within the streets, municipal wars, the actual collapse associated with Eastern European countries, and toppled governments from the news press. The majority of the poor news within the article is appearing out of the jaws of college professors.
We mentioned Ian’s post to Robert Gignac, author associated with ‘Wealth Is really a State Associated with Mind’, from dinner upon Tuesday, March third and Robert’s reaction was these purveyors associated with Financial Armageddon happen to be around for a long time and publish exactly the same book each and every five in order to seven years having a different include… sooner or even later they’ll be right. It’s such as the 36, 000 DOW, eventually, it will happen when i recall somebody saying within the early eighties how the DOW won’t ever go previous 3, 000 factors. Let’s just about all hope which prediction doesn’t come accurate today.
My curiosity about Ian’s article isn’t about the actual doomsters as well as their forecasts; it is all about why they get it done besides the $50, 000 talking fees. There has to be more into it than “bad information sells”.
Similarly we possess the oracles associated with bad information and within the other we now have the other than conscious masses.
Ian writes that people seem to savor hiding underneath the blankets, being informed how bad the near future looks which it jolts us in to feeling such as grownups as well as getting actual and at the minimum we ought to stop and have a closer take a look at what we fear so much. (for any day during my life of going for a closer take a look at what introduces the concern in me personally, see the next article – Make a move That Frightens You! )#)
It is much like we must become five years of age again and obtain slapped after which be place in a corner to consider a ‘time out’ as well as beg with regard to forgiveness.
“There is really a peculiar human have to contemplate catastrophe, ” Vivian Rakoff, professor emeritus within the department associated with psychology in the University associated with Toronto states. Because there’s the sense when it will get bad sufficient, we can begin over again”.
BTW — Rakoff isn’t a disaster and gloomer.
There appears to be a thread on paper about as well as reading regarding doom as well as gloom.
As I enter this I wish to preface which i am just wondering about all this and desire to shed a few insight which is not my personal intention in order to attack. I state this because In my opinion that I’ll make actual whatever We attack.
First, the meaning of
(The), the actual so-called OBU
Taiwan’s federal government to reinforce the worldwide financial actions, and may become a local financial middle, on The fall of 29, 1972 through the Legislative Yuan handed the “international monetary services rules, ” exactly the same year upon December 12 with regard to implementation. The subsequent year upon April 20 the actual Ministry associated with Finance released the “Implementation Guidelines of worldwide financial business” since the financial business in Taiwan to setup offshore financial, offshore monetary operations (OFF-SHORE FINANCIAL) dependent primarily upon business, therefore called just offshore financial company unit (OFF-SHORE FINANCIAL UNIT), known as OBU.
Based on Taiwan’s “central management from the designated banking institutions handling foreign currency business approach” The 2nd article, “Where household banks within Taiwan, among additional laws which have provided, prior to the Financial Act and also the Regulations, affect the main bank to take care of foreign trade business financial institution. (hereinafter known designated banking institutions). ” Post III offers that “the Main Bank following receiving the applying, review as well as approval will be given stipulate the certification. Specified certification should show the authorized scope associated with business. inch
Accordingly, the actual proposed transfer and foreign trade companies utilizing bank transfer business, the very first condition to become chosen through the central bank foreign currency bureau certification issued towards the designated financial institution designated financial institution.
Designated foreign currency banks prior to the procedures of “domestic” foreign currency business, since the distinction in between “offshore” company reasons OBU known as DO-MESTIC FINANCIAL UNIT, known as DBU.
2nd, the variation between company
Worldwide financial providers regulations through Article INTRAVENOUS, Offshore Financial operating companies are as comes after:
1, getting domestic as well as foreign people in Taiwan, companies, government companies or monetary structure of foreign currency deposits.
two, handle the actual Taiwan household and international individuals, companies, government companies or banking institutions, foreign foreign currency credit company.
3, with regard to Taiwan household and international individuals, lawful persons, government companies or banking institutions, sales of foreign exchange bonds issued through the Bank along with other debt devices.
4, dealing with domestic as well as foreign people in Taiwan, companies, government companies or banking institutions, foreign investments trading methods and company business.
5, dealing with domestic as well as foreign people in Taiwan, companies, government companies or banking institutions, foreign foreign currency letters associated with credit released, notification as well as bills as well as import as well as export selections.
6, feel the branches along with other financial establishments and Taiwan’s individual, corporate, government companies or banking institutions, foreign trade, foreign trade, capital investments lending and foreign exchange trading.
7, digesting securities underwriting company in Taiwan as well as abroad.
8, foreign exchange loans financial debt management as well as accounting company.
9, Taiwan’s household and international individuals, companies, government companies or lender and the actual forefront of business-related custody of the children, agency as well as consultancy company.
10, handled through the competent expert of other foreign currency business.
The specified banks underneath the Taiwan Main Bank foreign currency business strategy Article: “designated through the central bank’s authorization, for the next foreign trade business. inch
1, the export foreign currency business
two, import foreign currency business
3, the overall export as well as import remittances
four, foreign trade deposits
5, foreign exchange loans
6, foreign exchange payment guarantees to make sure business
7, specified as well as commissioned through the Central Bank along with other foreign trade business
3rd, the various clients
(The) OBU aspect
International monetary services regulations through the provisions associated with Article INTRAVENOUS, acceptable as well as abroad in order to individuals, legal persons from the deposits, financial loans, currency trade business, but apart from that the main bank unique permission, the actual territory associated with personal, business tax exemption compared to not, the actual movement associated with funds nevertheless limit, therefore the current customers are:
1, international natural individuals: a international passport without having residence within the territory from the individual.
two, foreign lawful persons: lawful organization authorized under the foreign lawful person.
(W) DBU region
Taiwan’s main bank issued prior to the designated foreign currency bank will note, the support object using the relevant procedures:
1, the export foreign currency business:
Export foreign currency, collection as well as receivables buy business.
Along with Office record: should discover the deal documents towards the customer.
two, import foreign currency business:
Along with Office documents: open, based on the letter associated with credit, digesting, collection, expenses acceptance as well as settlement, should discover the deal documents towards the customer.
Fraud remains a significant risk with regard to companies within the energy business. This book, which hails from the 06 18, ’09 Webcast “Fraud Danger Management, ” may highlight the actual national as well as industry outcomes from KPMG Forensic’s Ethics Survey 2008-2009 as well as address scams and misconduct within the energy field.
The KPMG Ethics Survey was undertaken to assist clients calculate risks, talents, and weaknesses related to their integrity and conformity programs. These problems include the type of ethics as well as compliance risks they perceived occurring within their organization, how nicely they look at their integrity and conformity programs working when it comes to actually affecting the actions and choices of workers, and exactly where they see a few of the root reasons for any weak points. The survey isn’t just a method to understand what’s happening across the country and throughout different sectors, but it’s also a device that organizations may use to evaluate their outcomes against these types of external standards.
The crucial findings within the survey are how the prevalence associated with fraud as well as misconduct inside organizations continues to be high and also the nature from the misconduct continues to be serious. Demands, incentives, insufficient resources, as well as job doubt are main drivers associated with misconduct. Whistleblower systems are attaining traction, however risks associated with silence stay. Finally, ethics as well as compliance applications continue to possess a favorable effect on employee awareness and actions.
Market manipulation is definitely an intentional act to control commodity prices with the forces associated with supply as well as demand. This might include clean trades, adjustment of costs between affiliate marketers, false catalog reporting, dealings predicated upon false info, collusion with regards to manipulating the marketplace, withholding producing capacity, and cornering the marketplace.
Market manipulation happens to be the purview from the Federal Power Regulatory Fee (FERC) and also the Commodity Futures Buying and selling Commission (CFTC). The Investments and Trade Commission (SECURITIES AND EXCHANGE COMMISSION’S) and also the Federal Industry Commission (FTC) tend to be additional regulating bodies along with recent expert over marketplace manipulation.
In the last few many years, there is a heightened understanding of market adjustment and there has been more penalties and enforcement measures. Companies within the energy industry should know the penalties related to this misconduct, they ought to ensure they have a conformity program in position, and they ought to also ensure they have a process in position to check that plan. Companies will be able to show the regulatory body that they’re monitoring this program.
Violation from the FCPA
Energy businesses with worldwide business activities should know potential bribery as well as corruption actions that may violate the actual FCPA. Companies ought to ensure they have a conformity program in addition to processes in position to check those applications. Companies also needs to consider possible mitigation actions that can lead to a decrease in the occurrence of those violations, plus they should reinforce reaction systems for discovered violations.
foreign trade currency market to obtain good earnings.
The forex market may be beneficial to purchase as this fluctuates under the stock exchange which falls overnight if your company can make wrong techniques or in the event that it expresses bankruptcy. Forex trading only gets into lurch in the event that there’s a few drastic occasion hitting the nation currency. Forex buying and selling eToro causes it to be an simpler job that you should analyze marketplace trade developments and allow it to be understandable to consider a calculated next thing. This buying and selling offers much more visuals which means you never possess a dull second.
In this Forex currency trading eToro buying and selling review, we wish to let you know that you need to know, that purchasing foreign currency could be among the best and most secure mode associated with financial achievement, if you’re guided with a good as well as experienced agent. However, people do talk about having difficulty withdrawing their own brokerage company accounts or held complaining associated with unprofessionalism, insufficient support as well as an sporadic trading situation. In situation you come across a poor broker you’ll have your personal horror story to inform. For this particular reason, its way easier to rely on Forex currency trading eToro to last as an authentic broker to obtain good earnings. It’s absolutely no news that Forex currency trading eToro is among the best on the internet trading systems for newbies in addition to experienced investors.
Forex buying and selling eToro is really a platform with regard to trading foreign currency markets. The comfort factor is using eToro in the comforts of your house, if you’ve got a stable web connection, and keep up to date with the worldwide stream associated with Forex info. With the actual reliability of Forex currency trading eToro you are able to run your company from anyplace. A great trading system shows marketplace dates for deciding on, has a good interface that is simple to use for producing trades, have the ability to execute trades within the markets instantly. Speed is required when the costs are altering rapidly and you need to get the very best deal precisely when you wish it.
Forex currency trading eToro includes a nice bonus intend to make you pleased with your very first deposit. It takes minimum preliminary investment. The greater you commit, the much more you enjoy. For big volume traders it’s Silver, Gold as well as VIP accounts that offer additional bonus deals. The supply of eToro resources include: latest prices charts at length, technical indicators which are clear enough that you should help you choose whether to market or not in addition to training materials for brand new traders as well as news improvements. No issue which section of Forex trading you decide to step within, Forex buying and selling eToro can there be to deal with your earnings.
Residents of Ny are some people who need to pay higher rates in car insurance policies. By regulation a driver should have a valid car insurance New You are able to if they would like to be on the highway without slipping foul from the law. The condition has really strict laws and regulations regarding visitors issues and therefore you need to have a typical auto insurance plan. Low cost car insurance New York can be obtained so long as the individual involved is prepared to conduct a few search for top offers close to.
One point that anyone trying to find cheap car insurance New You are able to must keep in mind is the actual conditions which are attached in order to various provides and discount rates. Being aware of the numerous terms as well as conditions which are attached towards the offers through the many insurance providers will make sure that the person trying to get the policy has got the best from the services. A clean record is among the common facets of the majority of the auto insurance Ny companies not just in this particular state however in many the areas. A resident must be aware that inexpensive auto insurance Ny is their own right and never a opportunity hence they require every single child demand this without sensation ashamed about this.
Cheap car insurance New You are able to is the same as high insurance plans in additional states that have lower prices. Carpooling is among the many strategies that citizens use to be able to have lower car insurance rates aside from commuting. Another facet of getting inexpensive auto insurance Ny is if you take safe generating classes that goes quite a distance to obtain clean record. Theft is actually another concern that affects insurance costs; any car owner who wishes to obtain low prices must set up security features within their vehicle.
Though a few of the measures which car proprietors take might only provide small discount rates in car insurance the much more the conditions how the driver meets the low the car insurance rates they will probably incur. Residents who’ve other covers using the same insurance provider will probably enjoy decreased rates within their insurance guidelines unlike others so it seems sensible to provide business to 1 insurer. Any loved ones with teenagers involved with driving are some people who might have difficulty searching for inexpensive auto insurance ny as they’re considered high-risk in their state.
In earlier years, should you wanted in order to donate your vehicle or additional vehicle to some charity, it had been easy. All this took was to pick the charitable organisation, give all of them a call plus they would choose it up and also the ownership paperwork. This part continues to be easy and several charities promote how simple this part is perfect for you.
If you wish to claim the tax deduction for your car gift however, the taxes rules possess changed just a little. The reason behind the modifications were because everyone was over-estimating the worthiness of automobiles then taking the larger amount off on the income taxation’s.
First, to even be eligible for a this taxes deduction, you have to be itemizing deductions in your income taxes. This successfully eliminates everyone utilizing a 1040 brief form, or 1040EZ or people who don’t make a list of. Further altruistic deduction can’t be greater compared to 50% of the total earnings. I do not quite realise why this matters towards the government however it’s within the rules. Additional, the amount you are able to deduct for that contribution depends upon what the actual charity will with automobile donations. Check the actual IRS source publication 4303 from www.irs.gov to learn more and particulars. Now is a great time to convey that I’m not the tax lawyer, accountant or even make my personal living dealing with the taxes code. For much more specific home elevators donating a person car in order to charity or even other associated questions, It is suggested contacting an area tax expert.
A 500 buck deduction may be the threshold with regard to increased documents requirements. If nevertheless your altruistic gift may be worth over the actual 500 buck limit, you’ll need acknowledgement documentation in the charity. This really is typically directed at you once they pick in the vehicle. This document should have the subsequent information that you should claim any kind of amount within the 500 buck basic deductions.
Your title and Taxpayer IDENTITY [usually your social security number]
The automobile Identification amounts
Date associated with contribution
An any one of these simple pieces associated with information. a) declaration that absolutely no goods or even services had been received for that gift. OR w) the description as well as good belief estimate associated with anything received through the donor.
There are some other details that needs to be included but this is actually the basic describe required.
The INTERNAL REVENUE SERVICE also limits the worthiness of the actual deduction as to the the charitable organisation actually obtained from selling the automobile. Generally nevertheless, you may use fair marketplace value in the event that certain guidelines are followed and also you obtain the statement produced by the charitable organisation regarding their own plans for that vehicle. You may even be necessary to obtain created acknowledgement in the charity within thirty days from the actual date from the vehicles purchase or thirty days from the actual date associated with donation.
So the worthiness of the actual deduction is dependant on what the actual charity really sold the automobile for about the open marketplace. Other guidelines apply when they decide to maintain it however generally the majority of charities associated with any dimension take their own donated cars and just sell them available on the market. This implies that if a person donate your vehicle to charity and contains a resell value associated with 5, 000 bucks, you just can’t legally have a 5, 000 buck deduction unless of course the charitable organisation actually sells the vehicle for which amount, or is susceptible to the additional rules.
When the charity sells your vehicle for four hundred dollars, though it was really worth 5, 000, your lawful deduction is just 400 bucks.
Finally, to create things much more complicated, the worthiness of the automobile cannot become more than the actual fair marketplace value. The INTERNAL REVENUE SERVICE publication mentioned above offers specific explanations about how exactly to figure out value. Personally, i have merely sold the vehicle and created a money donation in order to he charitable organisation of my personal choice. Indeed, it requires a little lengthier but We didn’t have to count on other people to supply the necessary paperwork and there is no question concerning the value from the donation or even deduction.
If you are searching for cheap pergolas, you should know the subsequent things. Verandas or even pergolas tend to be great tips to extend the area of your own living areas to support parties, barbecues as well as dinner events. In cooler climates, you can buy plastic dining area blinds to supply shelter for the verandas. Prior to going out and get verandas, please be familiar with the methods. The cost savings in costs of buying a veranda is going to be mentioned beneath.
First of, companies which make and market verandas may wish to maximise their own profits. This means when you attend the product sales representatives, they’ll quote you with an over higher price. It is as much as your ability in negotiation every single child lower the cost. Don’t end up being embarrassed to get this done, because this particular money a person save is your hard earned dollars, so you’ve the to ask for any lower cost. Having bought several verandas previously, I happen to be able in order to almost halve the actual sales-men’s cited prices. Not feel annoyed in case your friend informed you they had bought an identical veranda for any lower cost?
The additional issue would be to decide whether you’ll build your personal veranda in order to hire a specialist to set up the verandah. More often than not, the costs quoted through the sales men includes the your time costs. You will see a large savings should you bought the “Do this yourself” package or DO-IT-YOURSELF. This is actually cheaper, but for those who have lots of your time and have on the job skills, then this may be a good idea.
The additional issue to think about is to buy a gable or even flat roofing design. Gable designs possess a triangular roofing, which is more appealing if a person built it quietly of your home. Flat roofed verandas tend to be more suitable for that rear of the home; however the gable design could be more attractive. Flat roofing verandas quietly of the home are not attractive, but might be an suitable option.
Whether wooden or steel is much better depends in your aesthetics as well as your needs. The problems with wooden verandas tend to be that termites or even white ants may attack as well as eat the actual wood parts of your terrace.
In overview, the expenses savings is going to be in the actual labour expenses, the company you purchase the terrace off (a few sell less expensive than other people) as well as how you negotiate. It is advisable to get a minimum of 3 estimates and discount down the very best quote.
I simply read an extremely interesting guide. It is known as “Sway”: The actual Irresistible Draw of Illogical Behavior.
Max Brazerman is really a professor in the Harvard Company School as well as introduces their new students to some game at the start of the actual semester. He online auctions off the $20 expenses with just two rules towards the game.
1- The actual students should bid within increments associated with $1 as well as
2- The actual winner is victorious the bill however the runner-up forfeits their bid.
Therefore the bidding starts and develops rapidly. Nevertheless, without recognizing, the 2 students using the highest prices for bids inevitably obtain locked right into a battle for that $20 expenses. Somehow the actual mind-set will go from actively playing to earn to playing to not lose.
“Students tend to be pulled by both momentum from the auction and also the looming loss when they back down- the loss that’s growing greater through the bid. Both forces, consequently, feed off one another: commitment to some chosen route inspires extra bids, driving the cost up, producing the possible loss loom actually larger” state the writers Ori as well as Rom Brafman.
They continue to explain that we now have three elements towards the auction. The foremost is the positive stage …. the simple lure from the free lunch time. This provides away towards the second stage in which the front athletes now realize they may be in difficulty. It is here now where losing aversion fulfills commitment. The ultimate stage obviously is searching deeper as well as deeper not willing to release.
I discovered it really interesting our natural reaction is illogical. It appears the much deeper we enter the much more we search. This reduction aversion also appears to be amplified whenever it fulfills commitment and it is a effective force within our decision producing. We possess all been confronted with the workable loss within trading and really should act rationally to manage that loss although it is nevertheless small. Nevertheless, when we don’t understand we are now being swayed and we’re focused upon avoiding the actual loss….. our dedication to persist gets more powerful. That is actually when little becomes large as well as catastrophic.
We are able to guard from this to a particular degree through determining the loss prior to we perform and check our commitment in the door.
By the way, if you’re wondering the amount of these Harvard MBA’s taken care of the $20 bill………. the actual record degree was $204….. to date.
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