Wednesday, September 2, 2020

IMF speech essays

IMF discourse articles Before going on to the inquiry whether IMF is an answer or is it simply exacerbating things, a short presentation is vital. The IMF is a worldwide association of 184 part nations. What's more, what is it attempting to accomplish? As indicated by the official IMF site it was built up to: Advance universal financial participation, Trade soundness, and systematic trade plans, Energize financial development and elevated levels of work, What's more, to give impermanent money related help to nations to assist ease with adjusting of installments alteration. Before individuals from various nations can purchase or offer anything to one another, first they must have the option to change their cash from their money to the next countrys money. Outside EXCHANGE. Every money has an incentive regarding different monetary forms. - Without dependable flexibly of remote trade in every nation, and without moderately stable conversion scale, the world exchange would drop definitely. In this way, IMF was established 50 years prior to permit money to be traded uninhibitedly and effectively between part nations. IMF attempts to push nations to consistently have enough outside trade to keep on working with different nations. At the point when a nation imports more than it sends out, it has an exchange shortage (insufficiency) This causes outside trade deficiencies. Which means: business and government cannot take care of the tabs they owe to different nations. This damages both the nation with the exchange shortage and different nations that purchase from it. Be that as it may, how does IMF really support these nations The IMF has phenomenal control over these nations and it is frequently alluded as the GATEKEEPER since it decides if to open or shut the entryway between an obtaining government and its lenders. Except if the IMF gives its seal of endorsement, connoting that are a legislatures approaches are sufficient (what amount is adequa... <!

Saturday, August 22, 2020

BUSINESS FINANCE Research Paper Example | Topics and Well Written Essays - 2250 words

BUSINESS FINANCE - Research Paper Example Rajaratnam was entitled by the Forbes magazine as the independent extremely rich person speculative stock investments supervisor and was likewise the 235th America’s most extravagant men in the year 2009. As on 2009, the all out total assets of Rajaratnam was over $1.88 billion. In this way, he was the most extravagant Sri Lankan conceived substance on the planet. He began his vocation business credit master to innovation firms was filling in as the loaning official of Manhattan Bank. At that point in the year 1985, Rajaratnam joined Needham and Co. as venture financier a concentrated on purchaser gadgets industry. It is very shocking just as acclaim commendable actuality that from here Rajaratnam was advanced as the head of research at Needham and Co. in the year 1987 (just in a range of two years). He was then elevated to President of Needham and Co. in the year 1991, at the period of just 34 years. At the point when he was at the apex of the organization, Rajaratnam seeded his own fence stock investments organization that he at first named as the Needham Emerging Growth Company and afterward renamed it to Galleon. The support investments organization Galleon was esteemed near $4 billion in the year 2009, down from the pinnacle estimation of $7 billion in the year 2008. As per the yearly report of Galleon for the year 2009, the expanded support investments organization had over 22% aggravated yearly returns since its initiation. One of the purpose behind the company’s huge achievement and pinnacle valuation for the year finishing 2008 was the abrupt breakdown of Lehman Brothers. also, worldwide budgetary emergency that urged firms to adjust forceful supporting methodology. From the budget reports of the organization from the year 2000 to 2008, it very well may be said that Rajaratnam put fundamentally in pharmaceutical and innovation segments. The essential explanations for such speculation system could be: one, looking for development of pay as goal and two, both the divisions are protective and send out arranged. Rajaratnam was entirely learned to understand the significance of innovat ion part in future thus he realized that by putting resources into innovation stocks at present would amplify shareholders’ riches in future because of capital energy about the stocks. The interest for medications and prescriptions then again will consistently endure and likely increment in future with the ascent in populace. As per one of the eye to eye meets by Rajaratnam, he said that the best thoughts are results of continuous visits to organizations in which his organization contributed and furthermore from standard discussions with the flexible investments supervisors. In the year 2009, Rajaratnam alongside five others were charged and captured for insider exchanging and numerous cheats conviction. The author of Galleon support, Rajaratnam argued that he was not liable and paid $100 million bail to stay free (which was the biggest bail sum throughout the entire existence of United States). Be that as it may, in May 2011, a US region court saw Rajaratnam as blameworthy a nd afterward on October 2011 he was condemned to multi year detainment by the US region judge Richard Holwell. Other present and previous merchants of Galleon were accused and captured of claim of inclusion in insider exchanging action and asserted scheme. Mention that few previous representatives of the association participated in the examination procedure. It was likewise announced in media that as of January 2012, more than 50 individuals were either indicted or conceded from the Galleon fence investments outrage (Hristova, 2012, pp.1-3). Diagram of Insider Trading The Galleon insider exchanging case was one of

Friday, August 21, 2020

Capital Expenditure and Revenue Expenditure Essay

Income use is a use which on cost of working together on everyday premise and is important to be spread to keep up the business going on adequately. Accordingly, income consumption is the money or credit that being spent prompt for transient reason, model, costs on resources, for example, fix and fuel which will or won't improve the estimation of the given resources. Capital consumption is a use which will make future advantage the organization. It’s the cash that spends on the fixed resources or improves the benefit of existing resources which will build the company’s solidarity to pull in benefit or better level. In contrast to income consumption, capital use is more to a speculation than an expense, since it make better business for the organization. (Stolowy and J.Lebas 2006, p 234) Capital use is consumption on fixed resources or expanding their winning limit. In the interim, income use is to keep up their winning limit. The distinction being that capital use increment the gaining limit, long haul and produce future advantages, while income use keep up the procuring limit, present moment and produce prompt advantage. (ACCA F3 2009) Capital use characterized as consumption on buy or improvement of non-current resources. For instance that buys a van to convey the merchandise. Other model, for example, - Delivery of fixed resources Legal expense of purchasing property - Installation of fixed resources Demolition costs - Improvement (yet not fix) of fixed resources - Architects charges Income consumption characterized as use on running or the board of business, model, cost of fuel or diesel for vans. Other model, for example, - Maintenance of fixed resources - Administration of business - Selling and dispersion costs The fundamental contrast between the two types of use is that impact it has of the budget report of business as the Balance Sheet and the Income Statement. Income consumption influences in the pay proclamation since it is completely expend inside the period or convey forward to the following time frame as left finished. Capital use improve the net book or acquire estimation of a benefit or getting another advantage on the books. It is a drawn out use and will not be right to be set off as a cost in the present time frame. It is on the grounds that that that fixed resource will pull in benefit to the organization for over one year or bookkeeping period. We can spread the expense of the advantage over those bookkeeping period as devaluation since the fixed resource is utilized for a few bookkeeping periods. (Spiceland, Thomas, Herrmann 2009, p308 and p309) Income consumption appeared on the pay explanation as a cost while capital use treated as fixed resource on the asset report. It is important to order these consumption precisely in the bookkeeping framework to keep away from questionable mistakes. For instance, whenever cost of a van was treated as a cost in the salary explanation, this will influence the net benefit to be decreased; meanwhile the estimation of the van (fixed resource) won't appear on the asset report. Consequently, wrong treatment of these use will result:- (Wood 2012, p277) Capital use †treated as †Revenue consumption Salary Statement Balance Sheet Expenses increaseNet benefit decreaseFixed resources decline. Income consumption †treated as †Capital use Salary Statement Balance Sheet Expenses decreaseNet benefit increaseFixed resources increment. Improper resource characterization can slant the money related position and benefit of a business. Accordingly, it’s important to group resources effectively and precisely. OK characterization of the consumption keeps up theâ fundamental bookkeeping suspicion of accumulation, sensible introduction and precision of introduction.

Thursday, June 4, 2020

Leisure Reading for GRE SAT Vocabulary Preparation

In this post, I'll explore how you can tranform your leisure reading into a productive test prep activity. Perhaps you have already started and devoured the entire A Song of Ice and Fire series, more popularly referred to as A Game of Thrones. The latter is the name of the first book in the series and also the popular HBO drama adapted from it. Perhaps it’s not your cup of tea. If A Game of Thrones is your thing, or you have been curious about the series but feel you must put it off until after you take your SAT or GRE, then stop that thought. As an SAT tutor and a GRE tutor, I stopped that thought thinking I had too much tutoring and lesson planning to do, and I am so glad I did. Not only is it an interesting story so far, but I also have found that I can practice active reading comprehension and verbal study skills, and cull a set of word lists to give to both GRE and SAT students to study. I am on the very first part of the series of A Game of Thrones, and I can say as bona fide test preparation dork extraordinaire that this book is not only chalk full of those random words that always seem to show up on both tests, but reading the book can actually be a good source of practice in the reading comprehension category. While the story might be so good, using active reading in this kind of book makes the characters feel that much richer and it can be very rewarding. Another great verbal tip if to create mini-summaries of what you just read and then share thesewith your friends who may also be A Game of Throne fanatics. I feel that I am just a bit more hip with my little summaries all primed and actively ready to spit out of my working memory with my friends these days. And then there are the words. The words – awe, how I love words the share with others and to enrich my own abilities to write and read better. In one chapter alone, I compiled the following words to my mental lexicon: bawdy, squire, brook, stead, marshal and sardonic. I leave you with the definition of each as used in the first book, A Game of Thrones. Some of these definitions are first, some second, and others third definitions. I took the definitions from both www.thefreedictionary.com and www.merriam-webster.com. Bawdy: suggestive, coarse or obscene language Squire: a man who attends or escorts a woman Brook: to put up with, tolerate Stead: the place, position or function properly or customarily occupied by another Marshal: to enlist and organize Sardonic: scornfully or cynically mocking If you apply study skills and active habits during your leisure reading, you will also boost your standardized test preparation! Why? It will become much more natural to summarize information when it comes down to reading a wordy or dry passage on the GRE or SAT. ;

Wednesday, May 6, 2020

The Things They Carried By Tim O Brien - 878 Words

The Things They Carried is more than a story of physical warfare during the Vietnam War, but the battle of inner demons as well. In his novel, Tim O’ Brien takes us deep within the lives of his semi-fictional platoon in the midst of the Vietnam War in which he elaborates upon the harsh realities soldiers faced every day. O’ Brien claims, â€Å"They carried all they could bear, and then some, including a silent awe for the terrible power of the things they carried.† We see here that O’ Brien’s main purpose in writing his novel was to show the reader that the weight of the emotional toll was equivalent if not greater than the physical effects of war. The Vietnam War was an emotionally taxing experience for the soldiers, causing them to live in a false sense of reality, which tested their morals, and ultimately affected their psychological well-being. One of the largest forms of superstition known to human-kind is the bible and the numerous books that unfold within its pages. The stories told are those of a supernatural power whose actions, generosity, and disposition on life give people hope and shines a light when their life is darkest. Much like the bible, the soldiers of the Vietnam War had their own system of beliefs that eased the burden of reality. Many used grunt lingo or jargon as a way to disguise what was actually happening around them . According to O’ Brien, the soldiers were actors as much as fighters, using words like greased, offed, lit up, and zapped among otherShow MoreRelatedThe Things They Carried By Tim O Brien892 Words   |  4 PagesThe Vietnam War was a long, exhausting, and traumatic experience for all of the soldiers and those who came with them. The Things They Carried, by Tim O Brien illustrates the different affects the war had on a variety of people: Jacqueline Navarra Rhoads, a former nurse during the Vietnam war, demonstrates these effects within her own memoir in the book, The Forgotten Veterans. Both sources exemplify many tribulations, while sharing a common thread of suffering from mental unpredictability. DesensitizationRead MoreThe Things They Carried By Tim O Brien1377 Words   |  6 Pageslove to have it as good as we do. Tim O’Brien’s The Things They Carried discusses many veterans who experience the burden of shame and guilt daily due to their heroic actions taken during the Vietnam War. The book shows you how such a war can change a man before, during, and after it’s over.     Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   As I reflect on the many conflicts America has been a part of, none can compare to the tragedies that occurred in The Vietnam war. As told in The Things They Carried (O’Brien), characters such as NormanRead MoreThe Things They Carried By Tim O Brien1242 Words   |  5 Pagesâ€Å"Tim O’Brien is obsessed with telling a true war story. O Brien s fiction about the Vietnam experience suggest, lies not in realistic depictions or definitive accounts. As O’Brien argues, absolute occurrence is irrelevant because a true war story does not depend upon that kind of truth. Mary Ann’s induction into genuine experience is clearly destructive as well as empowering† (p.12) Tim O’s text, The Things they Carried, details his uses of word choice to portray his tone and bias. Tim O’BrienRead MoreThe Things They Carried By Tim O Brien1457 Words   |  6 Pagesthe theme pertains to everyone regardless of thei r background. It conveys the same ideas to people from all across our society. Lastly, a classic is timeless, which means it has transcended the time in which it was written. In Tim O’Brien’s novel, The Things They Carried, he offers a new, intriguing way to view war or just life in general and also meets all of the crucial requirements mentioned above to qualify it as a book of literary canon. Though this book is technically a war novel, many peopleRead MoreThe Things They Carried By Tim O Brien1004 Words   |  5 Pages Tim O’Brien is a veteran from of the Vietnam War, and after coming home from his duty he decided to be a writer. His work â€Å"The Things They Carried† is about a group of soldiers that are fighting in the Vietnam War. The first part of the story talks mostly about physical items that each soldier carries, and also mentions the weight of the items as well. Though, there is one exception to the list of physical things. Lieutenant Cross is a character of the story, and Tim O’ Brien quickly states theRead MoreThe Things They Carried By Tim O Brien1169 Words   |  5 Pagesbut are set in the past and borrows things from that time period. A story that fits this genre of literature is The Things They Carried. The story is about Tim O Brien, a Vietnam veteran from the Unite States, who tells stories about what had happened when he and hi s team were stationed in Vietnam. He also talks about what he felt about the war when he was drafted and what he tried to do to avoid going to fight in Vietnam. The Things They Carried by Tim O Brien was precise with its portrayal of settingRead MoreThe Things They Carried By Tim O Brien896 Words   |  4 PagesTrouble without a doubt is what First Lieutenant Jimmy Cross carried around his shoulders because he was out in war, where mistakes happen. Lost and unknown of his surroundings he had to lead his men into safety, while destroying anything they found. First Lieutenant Jimmy Cross only holds onto one thing for hope and that is Martha, the woman who he hopes is a virgin to come back to. Tim O’ Brien introduces symbolism by adding a character that has a meaning of purity and a pebble, which symbolizesRead MoreThe Things They Carried By Tim O Brien Essay832 Words   |  4 PagesSummary: â€Å"By and large they carried these things inside, maintaining the masks of composure† (21). In Tim O’brien’s The Things They Carried, the American soldiers of the Vietnam War carry much more than the weight of their equipment, much more than souvenirs or good-luck charms or letters from home. They carried within themselves the intransitive burdens—of fear, of cowardice, of love, of loneliness, of anger, of confusion. Most of all, they carry the truth of what happened to them in the war—aRead MoreThe Things They Carried By Tim O Brien1407 Words   |  6 Pages       Our introduction stated that in â€Å"The Things They Carried,† author Tim O’Brien tells us not directly of the soldiers of Vietnam, or the situations they find themselves in, but about the things they carry on their shoulders and in their pockets. These â€Å"things† identify the characters and bring them to life.   I find that to be true as the author unfolds the stories about war and the uncommon things one carries in to war both inadvertently and on purpose.  Ã‚  Ã‚  As it was noted: Stories about war –Read MoreThe Things They Carried By Tim O Brien1369 Words   |  6 PagesMany authors use storytelling as a vehicle to convey the immortality of past selves and those who have passed to not only in their piece of literature but in their life as an author. In Tim O’Brien’s work of fiction The Things They Carried, through his final chapter â€Å"The Lives of the Dead,† O Brien conveys that writing is a matter of surviva l since, the powers of storytelling can ensure the immortality of all those who were significant in his life. Through their immortality, O’Brien has the ability

Tuesday, May 5, 2020

Industrial Engineering for Renewable and Sustainable Energy

Question: Discuss about theIndustrial Engineering for Renewable and Sustainable Energy. Answer: Solutions to Industrial Ecology Correction of power factor One hidden expenditure in consumers of electricity utility is the fees in power factor. There is a tendency of organizations having huge numbers of motors or possessing 24/7 operating data centres for a server running. These consumptions can be reduced by working with an informed consultant to develop specific requirements for improved power factor(Abdullah, et al. 2012). Energy Procurement In cases that involve energy consultant with suppliers of energy, these consultants can help in shopping improved rates of supply. Whether it is renewable or any there type of energy for electricity production, the navigation through contractual, and product terms would be made easier for specific needs. Engineering Studies Engineered studies are possible to lower usage of energy as well as the cost. Studies in energy efficient solutions would save rebates and the federal and state activities. These studies can also be one to make sure consumers meet the demonstrated and required compliance. Developing Products with Sustainable Energy Creating sustainably in electricity consumption can be done by installation of renewable energy sources such as developing wind technology and solar panel energy sources. This decreases reliance on known utility companies. The sources can also be ways of supply energy for reduced costs compared to the existing hence reduce demand and increased efficiency. Developing programs responding to demand Some companies can get income by responding to demand. The income is gotten when these companies reduce consumption when there is a low supply of high demand. This method would give back power hence reducing black-outs and brown-outs. Applications of Various Ecological Strategies Renewable Energy Hydropower An essential renewable source of energy can include hydropower that harnesses energy when moving water rotates installed turbines leading to electricity generation. Applying this renewable energy involve building dams having reservoirs, installing turbines in run-of-rivers and in-stream projects. The concept come from the gravitational energy of falling water on turbines(Apostolakis 2004). Bioenergy This is energy from biological sources that can be implemented in transportation in form of biodiesel, cooking, electricity generation and heating. Bioenergy can be gotten from various sources such as residue from animal husbandry and agricultural residue. Solar energy Energy from the sun can directly be harnessed with the use of some technologies such as solar panels that trap light to produce electricity for lighting, transport and other usages. Green Engineering Developing systems that store Energy Alongside renewable energy falls the Energy Storage Systems that are technologies that can combine generation and transportation of power. These ESS sources have to be electrical, chemically or mechanically renewable. Lately, a focus on developing electrochemical sources of energy such as capacitors, fuel cells and batteries is the way forward(Rubin, Chao and Anand 2007). Monitoring power quality For purposes such as auditing power, power has to be monitored hence there has been development in software that can perform metering analysis, monitor and determine the quality of power. This software comes packed in hardware that initiates the process(Poul, et al. 2010). Environment monitoring Green engineering can be used in monitoring the environment for the sole purpose of monitoring climate change as well as its effects. Electricity production has to be green in the sense that there is the minimum production of greenhouse gases(Ahson and Mohammad 2017). Wind energy Other than using diesel and hydropower to produce energy, wind can be a probable source of energy if implements appropriately. An example is America that as its 45% of energy coming from wind. Engineers in the wind power technology can design turbines with online monitoring capability for the efficient harnessing of wind energy(Daryl, Gary and Eleanor 2005). Cleaner Production Future sustainable thermal power plants Fossil fuels are expected to last for a while by being cost-efficient in electricity production but there are changes that affect it such as development of smart grid system and energy storage systems. For future and better fossil fuel usage aspects such as decrease of carbon intensity and a flexible increase of fossil generation to support developing renewable energy sources are some of the intended clean application of fossil fuel. Use of global ECE practices in coal power plants New practices would involve a decrease of emission as well as an increase in coal power efficiency to meet the ECE requirements. One example is the implementation of coal gasification that provides cleaner and versatile coal to electricity conversion. Also, there are technologies such as HELE technologies that improve the efficiency and environmental performance of power plants that generate electricity using coal. Capture of carbon, use and storage The CCUS development can be deployed as extensive routines that control equipment emission that can be fitted to power plants or large processes that are energy insensitive. What matters is the knowledge, energy infrastructure, operating practices and deployment capacity. Bibliography Abdullah, Majid, A Yatim, C Tan, and R, Saidur. 2012. "A review of maximum power point tracking algorithms for wind energy systems." Renewable and sustainable energy reviews 16 3220-3227. Ahson, Syed, and Ilyas Mohammad. 2017. "RFID handbook: applications, technology, security, and privacy." In RFID handbook: applications, technology, security, and privacy 20-31. Apostolakis, George. 2004. "How useful is quantitative risk assessment?" Risk analysis 515-520. Daryl, Chubin, May Gary, and Babco Eleanor. 2005. "Diversifying the engineering workforce ." Journal of Engineering Education 94 7-86. Poul, stergaard, Vad Brian, Bernd Mller, and Henrik Lund. 2010. "A renewable energy scenario for Aalborg Municipality based on low-temperature geothermal heat, wind power and biomass." Energy 35 4592-4901. Rubin, Edward, Chen Chao, and Rao Anand. 2007. "Cost and performance of fossil fuel power plants with CO2 capture and storage." Energy policy 35 4444-4454.

Sunday, April 19, 2020

Outline and Asses the Feminist Explanations of Gender Inequalities free essay sample

Outline and asses the feminist explanations of gender inequalities (40) Feminists believe that women are unequal to men, and the different groups think it is down to different reasons. Liberal feminists think it is because it is down to gender role socialisation. Marxist feminists believe it is down to capitalism. Radical feminists think women are not equal to men because of relationships within the home, and black feminist think they are unequal not just because they are women, but also because of their skin colour. All groups of feminists also believe that women are subordinated due to patriarchy, (the idea that males are dominant). Firstly, liberal feminists, such as Ann Oakley argue that gender role socialisation is responsible for sexual division of labour. Girls and boys are socialised in different ways. For example girls are encouraged to take on caring roles, which could lead to them having jobs such as nurses in the future. We will write a custom essay sample on Outline and Asses the Feminist Explanations of Gender Inequalities or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page 3 agents of socialisation- the family, the school and the media have an influence on the way boys and girls are socialised. For example, in the home there is manipulation and canalisation. Manipulation is when boys and girls are encouraged to play with gender specific toys. Canalisation is when specific behaviour is encouraged or discouraged. For example if a boy falls over and hurts himself, he is encouraged not to cry and to act in a brave way. On the other hand, if the same thing happened to a girl, she would be given more sympathy. Ann Oakley argues that there is still an expectation for women to take on the housewife/mother role. Because of this, it is more difficult for women to pursue careers as men do. Oakley also claims that employers expect women to play the role of housewife rather than pursue a career. This patriarchal ideology is justified by men through claims that women are more suited to caring roles because of their maternal instinct. However, recently some liberal feminists such as Sue Sharpe have been more optimistic. She has said that not all women take on caring roles because of their socialisation. They may react against their socialisation, or pursue a career. Secondly, liberal feminism has been criticised because it tends to assume that all women accept their gender identities in a passive way. Liberal feminism also does not take race or class into consideration. Marxist feminists believe womens subordination is down to the influence of capitalism. Women are seen as a reserve army of labour. Companies only hire hem when they really need them, and they do less important jobs than men, making them more disposable. Women change jobs more frequently than men, so are more vulnerable at times of redundancy, they tend to be less skilled, and capitalist ideologies locate women in the home. The reserve army of labour theory has been criticised as it fails to explain why there are womens jobs and mens jobs. It is se ems to overlook the fact that patriarchy can be influential by itself. The Marxist feminists seem to imply that once capitalism is abolished, gender inequality will disappear, which might not actually be the case. On the other hand, Radical feminists, such as Elizabeth Stanko argue that womens inequality begins in the home, and then extends outwards in the rest of society. If a women is unequal in a relationship with her husband at home, then she is unequal to other men in wider society, e. g. in the government and the media. Radical feminists focus on power relationships between men and women in private. They claim that men exploit and control women within the home. They also claim that when the patriarchy ideology fails, (when women do not dress and act as they are told to) then men resort to domestic violence in order to control them. Therefore, it is not capitalism that controls and exploits women; it is men themselves within the home. Women are disadvantaged in the labour market because within the home they are forced by men to be housewives and mothers. However, Radical feminism has been criticised by Marxist feminist for focusing on just one source of gender inequality; the home. They dont take into account the fact that capitalism could be contributing to women being disadvantaged in terms of employment. Radical feminists have also been accused of being ethnocentric; i. . they assume patriarchy is the same in all societies and cultures. However this may not be the case if you for example look at patriarchy in Asian cultures and white cultures, it might be quite different. Black Feminism essentially argues that sexism and racism are inextricable from one another. Forms of feminism that strive to overcome sexism and class oppression but ignore or minimize race can perpetuate racism and thereby contribute to the oppression of many people, including women. Black feminists argue that the liberation of Black women entails freedom for all people, since it would require the end of racism, sexism, and class oppression. In conclusion, all feminist theories agree that we live in a patriarchal society. However the reason we live in a patriarchal society is commonly argued amongst feminists each believing that a different ting caused it. All the reasons are well backed up theories and all have been criticised, It could be said that all are correct and it is not just one of these reasons cause patriarchy but the combination of all of them.