Posted: September 10th, 2023

FIN 320 Final Project Guidelines and Rubric

FIN 320 Final Project Guidelines and Rubric
Final Project Part I
Part I Overview
Business professionals typically need to demonstrate a core set of financial knowledge to earn the job and to succeed on a job. For this part of the assessment,
you will be given a scenario in which you are asked to illustrate your financial management knowledge.
This part of the final project addresses the following course outcomes:
 Analyze the roles and responsibilities of financial managers in confirming compliance with federal and shareholder requirements
 Differentiate between various financial markets and institutions by comparing and contrasting options when selecting appropriate private and corporate
investments
Part I Prompt
You have completed an internship in the finance division of a fast-growing information technology corporation. Your boss, the financial manager, is considering
hiring you for a full-time job. He first wants to evaluate your financial knowledge and has provided you with a short examination. When composing your answers
to this employment examination, ensure that they are cohesive and read like a short essay.
Your submission must address the following critical elements:
I. Analyze Roles and Responsibilities for Compliance
A. Examine the types of decisions financial managers make. How are these decisions related to the primary objective of financial managers?
B. Analyze the various ethical issues a financial manager could potentially face and how these could be handled.
C. Compare and contrast the different federal safeguards that are in place to reduce financial reporting abuse. Why are these considered
appropriate safeguards?
II. Investment Options
A. If a private company is “going public,” what does this mean, and how would the company do this? What are the advantages of doing this? Do
you see any disadvantages? If so, what are they?
B. How do the largest U.S. stock markets differ? Out of those choices, which would be the smartest private investment option, in your opinion?
Why?
C. Compare and contrast the various investment products that are available and the types of institutions that sell them.
Final Project Part I Rubric
Guidelines for Submission: Ensure that your employment examination is submitted as one comprehensive and cohesive short essay. It should use double
spacing, 12-point Times New Roman font, and one-inch margins. Citations should be formatted according to APA style.
Critical Elements Exemplary (100%) Proficient (85%) Needs Improvement (55%) Not Evident (0%) Value
Roles and
Responsibilities:
Examine
Meets “Proficient” criteria and
includes examples in analysis
Comprehensively examines the
types of decisions financial
managers make, including how
these decisions are related to
their primary objective
Examines the types of decisions
financial managers make,
including how these decisions are
related to their primary objective,
but examination is not
comprehensive
Does not examine the types of
decisions financial managers
make
15.83
Roles and
Responsibilities:
Analyze
Meets “Proficient” criteria, and
analysis indicates a clear
understanding of ethical
standards in finance
Comprehensively analyzes the
various ethical issues a financial
manager could potentially face
and how these issues could be
handled
Analyzes the various ethical issues
a financial manager could
potentially face and how these
issues could be handled, but
analysis is not comprehensive
Does not analyze the various
ethical issues a financial manager
could potentially face and how
these issues could be handled
15.83
Roles and
Responsibilities:
Compare and Contrast
Meets “Proficient” criteria, and
analysis indicates a clear
understanding of federal
safeguards in finance
Accurately analyzes different
federal safeguards that are in
place to reduce financial
reporting abuse, including why
these safeguards are appropriate
Analyzes different federal
safeguards that are in place to
reduce financial reporting abuse,
but analysis is inaccurate or
cursory, or analysis of why these
safeguards are appropriate is
inaccurate or cursory
Does not analyze different federal
safeguards
15.83
Investment: Private
Company
Meets “Proficient” criteria and
includes examples in analysis
Comprehensively compares and
contrasts the advantages and
disadvantages of a company
“going public” versus staying
private
Compares and contrasts the
advantages and disadvantages of
a company “going public” versus
staying private, but analysis is not
comprehensive
Does not compare and contrast
the advantages and
disadvantages of a company
“going public” versus staying
private
15.83
Investment: U.S. Stock
Markets
Meets “Proficient” criteria and
explains choice of smartest stock
market to invest private money
into
Comprehensively and accurately
differentiates between the largest
U.S. stock markets and indicates
choice of smartest stock market
to invest private money into
Differentiates between the
largest U.S. stock markets, but
analysis is inaccurate or cursory
or is missing choice of smartest
stock market to invest private
money into
Does not differentiate between
the largest U.S. stock markets
15.83
Investment: Compare
and Contrast
Meets “Proficient” criteria and
includes both foreign and
domestic institutions
Comprehensively compares and
contrasts the various investment
products available and the types
of institutions that sell them
Compares and contrasts the
various investment products and
the types of institutions that sell
them, but analysis is not
comprehensive
Does not compare and contrast
the various investment products
and the types of institutions that
sell them
15.83
Articulation of
Response
Submission is free of errors
related to citations, grammar,
spelling, syntax, and organization
and is presented in a professional
and easy to read format
Submission has no major errors
related to citations, grammar,
spelling, syntax, or organization
Submission has major errors
related to citations, grammar,
spelling, syntax, or organization
that negatively impact readability
and articulation of main ideas
Submission has critical errors
related to citations, grammar,
spelling, syntax, or organization
that prevent understanding of
ideas
5.02
Earned Total 100%
Final Project Part II
Part II Overview
For this part of the final project, you will be given a scenario in which you are asked to illustrate your financial computation and analysis skills.
This part of the assessment addresses the following course outcomes:
 Compute financial ratios, time value, variables, and returns using industry standard tools for optimizing financial success
 Analyze corporate financial data for multiple companies in evaluating past and future financial performances
Part II Prompt
For this section of your employment exam, you will select two companies. The first company needs to come from your TDAU thinkorswim portfolio. The second
needs to be a competitor of the first company from the same industry. You will be responsible for collecting, synthesizing, and making decisions regarding both
companies. After evaluating these companies’ financial data, you will then decide which company’s stock is the better investment.
This section of your employment examination must be submitted in two parts. Part A will contain the workbooks that house all of your quantitative data and
formulas, along with any of the information that is relevant for your chosen companies. Part B will contain your answers to the questions asked below,
composed in a cohesive manner. If you are referring to data that is found within the workbooks in Part A, be sure to include a citation—for example, “rate of
return is 3.570 USD (E64, WB2),” where E64 is the cell that the calculation took place in and WB2 is designating “workbook 2.” This ensures that your instructor
can quickly and accurately check data entry, formula use, and financial calculations.
Your submission must address the following critical elements:
I. Preparing the Workbooks
A. Download the annual income statements, balance sheets, and cash flow statements for the last three completed fiscal years for your chosen
companies. This information must be included in your final submission.
B. Prepare a worksheet for each of the companies to display their financial data for the last three fiscal years. Ensure your data is accurate and
organized. Include these worksheets as a workbook in your final submission.
C. Find historical stock prices for both companies and add this information to the respective spreadsheets. Consider the appropriate date range
you should use.
II. Three-Year Returns
A. What is the three-year return on the stock price of the first company (Company A)? How is the stock performing? Ensure that you use the
appropriate formula in your spreadsheets to calculate the three-year return on the given company’s stock price.
B. What is the three-year return on the stock price of the second company (Company B)? How is this stock performing? Ensure that you use the
appropriate formula in your spreadsheets to calculate the three-year return on your chosen company’s stock price.
C. How do these two stocks compare in terms of three-year returns? What does this indicate about these two companies?
III. Financial Calculations
A. Using the appropriate spreadsheets, which are to be included in the workbooks, calculate the price-to-earnings ratio for the last three fiscal
years of the given and your chosen companies. Be sure that you are entering and using the correct formula.
B. Using the appropriate spreadsheets, which are to be included in the workbooks, calculate the debt-to-equity ratios for the last three fiscal years
of the given and your chosen companies. Be sure that you are entering and using the correct formula.
C. Using the appropriate spreadsheets, which are to be included in the workbooks, calculate the return-on-equity ratios for the last three fiscal
years of the given and your chosen companies. Be sure that you are entering and using the correct formula.
D. Using the appropriate spreadsheets, which are to be included in the workbooks, calculate the earnings per share for the last three fiscal years of
the given and your chosen companies. Be sure that you are entering and using the correct formula.
E. Using the appropriate spreadsheets, which are to be included in the workbooks, calculate the profit margins for the last three fiscal years of the
given and your chosen companies. Be sure that you are entering and using the correct formula.
F. Using the appropriate spreadsheets, which are to be included in the workbooks, calculate the free cash flows for the last three fiscal years of the
given and your chosen companies. Be sure that you are entering and using the correct formula.
IV. Industry Averages
A. Obtain current industry averages of three of the financial calculations above for both companies and add this information to your spreadsheet
for comparison. Ensure the accuracy and organization of your data.
B. In this context, how is each company’s financial health? How do these two companies compare to one another? Consider the appropriate date
range you should use.
V. Performance Over Time
A. Analyze the performance of the Company A over time. What financial strengths and weaknesses does this company have? Consider addressing
the free cash flows and ratios you calculated earlier.
B. Analyze the performance of your Company B over time. What financial strengths and weaknesses does this company have? Consider addressing
the free cash flows and ratios you calculated earlier.
C. Analyze how the data differ between these two companies. Why do you think this is? Consider addressing the free cash flows and ratios you
calculated earlier.
VI. Investment
A. Are the companies considered growth or value companies? Why?
B. Which company’s stock is the better investment? Consider supporting your answer with data.
Final Project Part II Rubric
Guidelines for Submission: This part of the final project will be submitted in two parts. Part A will contain the workbooks that house all of your quantitative data and
formulas, along with any of the information that is relevant for your chosen company. Part B will contain your answers to the prompts, composed in a cohesive
manner. Part B should use double spacing, 12-point Times New Roman font, and one-inch margins. Citations should be formatted according to APA style.
Critical Elements Exemplary Proficient Needs Improvement Not Evident Value
Preparing: Download Downloads and includes annual
income statements, balance
sheets, and cash flow
statements for the last three
fiscal years for chosen
companies (100%)
Downloads and includes annual income
statements, balance sheets, and cash
flow statements for chosen companies
but is missing various components
(55%)
Does not download and include
annual income statements,
balance sheets, and cash flow
statements for the last three
fiscal years for chosen
companies (0%)
2
Preparing: Worksheet Prepares worksheet for chosen
and given companies,
displaying all financial data for
the last three fiscal years in an
accurate and organized manner
(100%)
Prepares worksheet for chosen and
given companies, displaying financial
data for the last three fiscal years, but
worksheets are unorganized, inaccurate,
or incomplete (55%)
Does not prepare worksheets
for both the chosen and given
companies (0%)
2
Preparing: Stock Prices Adds historical stock prices for
an appropriate date range for
the chosen and given
companies to their respective
worksheets (100%)
Adds historical stock prices for the
chosen and given companies, but data
has been inaccurately entered or is not
for an appropriate date range (55%)
Does not add historical stock
prices for the given and chosen
companies to their respective
worksheets (0%)
2
Returns: Company A Meets “Proficient” criteria and
logically explains reasoning
behind indication of stock
performance (100%)
Correctly calculates the threeyear return on the stock price
of the given company and
accurately indicates how this
stock is performing (85%)
Calculates the three-year return on the
stock price of the given company, but
calculation is incorrect or indication of
how this stock is performing is
inaccurate or missing (55%)
Does not calculate the threeyear return on the stock price of
the given company (0%)
5.63
Returns: Company B Meets “Proficient” criteria and
logically explains reasoning
behind indication of stock
performance (100%)
Correctly calculates the threeyear return on the stock price
of the chosen company and
accurately indicates how this
stock is performing (85%)
Calculates the three-year return on the
stock price of the chosen company, but
calculation is incorrect or indication of
how this stock is performing is
inaccurate or missing (55%)
Does not calculate the threeyear return on the stock price of
the chosen company (0%)
5.63
Returns: Compare Meets “Proficient” criteria, and
explanation demonstrates
nuanced understanding of
three-year returns and their
implications (100%)
Compares the three-year
returns of the given and chosen
companies, explaining what
this indicates about each
company (85%)
Compares the three-year returns of the
given and chosen companies, but
explanation of what this indicates about
each company is cursory or missing
(55%)
Does not compare the threeyear returns of the given and
chosen companies (0%)
6.43
Calculations: Price-toEarnings Ratios
Correctly calculates the priceto-earnings ratios for the last
three fiscal years of the given
and chosen companies (100%)
Calculates the price-to-earnings ratios of
the given and chosen companies, but
calculations are incorrect or do not
consider the last three fiscal years (55%)
Does not calculate the price-toearnings ratios of the given and
chosen companies (0%)
5.63
Calculations: Debt-toEquity Ratios
Correctly calculates the debtto-equity ratios for the last
three fiscal years of the given
and chosen companies (100%)
Calculates the debt-to-equity ratios of
the given and chosen companies, but
calculations are incorrect or do not
consider the last three fiscal years (55%)
Does not calculate the debt-toequity ratios of the given and
chosen companies (0%)
5.63
Calculations: Returnon-Equity Ratios
Correctly calculates the returnon-equity ratios for the last
three fiscal years of the given
and chosen companies (100%)
Calculates the return-on-equity ratios of
the given and chosen companies, but
calculations are incorrect or do not
consider the last three fiscal years (55%)
Does not calculate the returnon-equity ratios of the given and
chosen companies (0%)
5.63
Calculations: Earnings
Per Share
Correctly calculates the
earnings per share for the last
three fiscal years of the given
and chosen companies (100%)
Calculates the earnings per share of the
given and chosen companies, but
calculations are incorrect or do not
consider the last three fiscal years (55%)
Does not calculate the earnings
per share ratios of the given and
chosen companies (0%)
5.63
Calculations: Profit
Margins
Correctly calculates the profit
margins for the last three fiscal
years of the given and chosen
companies (100%)
Calculates the profit margins of the
given and chosen companies, but
calculations are incorrect or do not
consider the last three fiscal years (55%)
Does not calculate the profit
margins of the given and chosen
companies (0%)
5.63
Calculations: Free Cash
Flows
Correctly calculates the free
cash flows for the last three
fiscal years of the given and
chosen companies (100%)
Calculates the free cash flows of the
given and chosen companies, but
calculations are incorrect or do not
consider the last three fiscal years (55%)
Does not calculate the free cash
flows of the given and chosen
companies (0%)
5.63
Industry Averages:
Industry Averages
Adds current industry averages
for chosen and given
companies to worksheet in an
accurate and organized manner
(100%)
Adds current industry averages for
chosen and given companies to
worksheets, but some data is
inaccurate, unorganized, or missing
(55%)
Does not add current industry
averages for chosen and given
companies to worksheets (0%)
2
Industry Averages:
Financial Health
Meets “Proficient” criteria and
includes current industry
averages within an appropriate
date range (100%)
Analyzes the given and chosen
companies’ financial health by
comparing the two companies’
current industry averages
(85%)
Analyzes the given and chosen
companies’ financial health by
comparing the two companies’ industry
averages but does not consider the
current industry rates (55%)
Does not analyze the given and
chosen companies’ financial
health (0%)
6.43
Performance: Company
A
Meets “Proficient” criteria and
references free cash flow and
ratios calculated for the given
company in analysis (100%)
Comprehensively analyzes the
strengths and weaknesses of
the given company over time
(85%)
Analyzes the strengths and weaknesses
of the given company over time, but
analysis is not comprehensive (55%)
Does not analyze the strengths
and weaknesses of the given
company over time (0%)
6.43
Performance: Company
B
Meets “Proficient” criteria and
references free cash flow and
ratios calculated for the chosen
company in analysis (100%)
Comprehensively analyzes the
strengths and weaknesses of
the chosen company over time
(85%)
Analyzes the strengths and weaknesses
of the chosen company over time, but
analysis is not comprehensive (55%)
Does not analyze the strengths
and weaknesses of the chosen
company over time (0%)
6.43
Performance: Differ Meets “Proficient” criteria and
references the companies’ free
cash flows and ratios calculated
in analysis (100%)
Accurately contrasts the
performances of the given and
chosen companies over time,
including a logical, proposed
explanation of these
performances (85%)
Contrasts the performances of the given
and chosen companies over time, but
analysis is inaccurate or cursory, or the
included explanation of these
performances is illogical or cursory
(55%)
Does not contrast the
performances of the given and
chosen companies over time
(0%)
6.43
Investment: Growth or
Value
Meets “Proficient” criteria and
includes quantitative data to
support analysis (100%)
Comprehensively analyzes
whether the companies are
considered growth or value
companies, including a logical
explanation of why (85%)
Analyzes whether the companies are
considered growth or value companies,
but analysis is not comprehensive, or
the explanation included is illogical or
cursory (55%)
Does not analyze whether the
companies are considered
growth or value companies (0%)
6.43
Investment: Stock Meets “Proficient” criteria and
includes quantitative data to
support analysis (100%)
Analyzes each company’s stock,
including a logical explanation
of personal preference of
which stock to purchase (85%)
Analyzes each company’s stock,
including an explanation of personal
preference of stock options, but analysis
or explanation is illogical or cursory
(55%)
Does not analyze each
company’s stock (0%)
6.43
Articulation of
Response
Submission is free of errors
related to citations, grammar,
spelling, syntax, and
organization and is presented in
a professional and easy to read
format (100%)
Submission has no major errors
related to citations, grammar,
spelling, syntax, or organization
(85%)
Submission has major errors related to
citations, grammar, spelling, syntax, or
organization that negatively impact
readability and articulation of main
ideas (55%)
Submission has critical errors
related to citations, grammar,
spelling, syntax, or organization
that prevent understanding of
ideas (0%)
1.95
Earned Total 100%
Final Project Part III
Part III Overview
To make corporate finance decisions, take an advanced finance course, or pursue a career in finance, you will need to understand basic concepts. This includes
going beyond the number crunching and reading graphs in order to analyze various financial indicators. This analysis can lead to many important decisions in
your financial career. For this part of the final project, you will be given a scenario in which you are asked to illustrate your financial knowledge and analysis
skills.
This part of the assessment addresses the following course outcomes:
 Analyze the roles and responsibilities of financial managers in confirming compliance with federal and shareholder requirements
 Differentiate between various financial markets and institutions by comparing and contrasting options when selecting appropriate private and corporate
investments
 Compute financial ratios, time value, variables, and returns using industry standard tools for optimizing financial success
 Analyze corporate financial data for multiple companies in evaluating past and future financial performances
Part III Prompt
The results of both sections of your employment examination have finally been received, and you were offered the position. You have a few important decisions
to make before you can formally accept or decline the position. When composing your answers to these decisions, ensure that they are cohesive and read like a
short essay.
Your submission must address the following critical elements:
I. School Versus Work
A. The school you would like to attend costs $100,000. To help finance your education, you need to choose whether or not to sell any of your 500
shares of Apple stock you bought five years ago, 100 Apple bonds (each with a $1,000 face value and a 3.25% coupon rate) that are five years
from their 10-year maturity date, or a combination of both. Provide the appropriate data and calculations that you would perform to make this
decision.
B. What are the advantages and disadvantages of selling a combination of stocks and bonds? Be sure to support your answers.
C. Suppose that you choose to sell your stocks, bonds, or a combination of both. What is your choice, and what is your financial reasoning behind
this choice? Consider supporting your answer with quantitative data.
D. Suppose that you choose to accept the job. What is your financial reasoning behind this choice? Be sure to support your answer with
quantitative data.
II. Bonus Versus Stock
A. The company has offered you a $5,000 bonus, which you may receive today, or 100 shares of the company’s stock, which has a current stock
price of $50 per share. Mathematically, what is the best choice? Why?
B. What are the advantages and disadvantages of each option? Be sure to support your answers.
C. What would you ultimately choose to do? What is your financial reasoning behind this choice? Consider supporting your answer with
quantitative data.
III. Compliance
A. While investigating the shares offered to you by your potential boss, you discover that the company you are considering working for is not
registered as required under the Securities Act of 1933. How does this influence you as a potential employee and as a potential shareholder? Be
sure to reference any applicable statutes or laws.
B. You know that accepting this job may eventually lead to a promotion into the role of the financial manager. As the potential financial manager,
what federal and shareholder requirements would you need to be familiar with in order to ensure that you are being completely compliant?
Final Project Part III Rubric
Guidelines for Submission: Please ensure that your decision plan is submitted as one comprehensive and cohesive short essay. It should use double spacing, 12-
point Times New Roman font, and one-inch margins. Citations should be formatted according to APA style.
Critical Elements Exemplary Proficient Needs Improvement Not Evident Value
School Versus Work:
Finance Your Education
Accurately calculates the worth
of stocks, bonds, and
combinations of stocks and
bonds, including the appropriate
data and calculations with
submission (100%)
Calculates the worth of stocks,
bonds, and combinations of
stocks and bonds, but calculation
is inaccurate or appropriate data
and/or calculations are not
included in submission (55%)
Does not calculate the worth of
stocks, bonds, and combinations
of stocks and bonds (0%)
11.88
School Versus Work:
Advantages and
Disadvantages
Meets “Proficient” criteria and
provides historical data, as well
as quantitative data, to support
answer (100%)
Comprehensively differentiates
the advantages and
disadvantages of selling a
combination of stocks and bonds
and provides support for answer
(85%)
Differentiates the advantages and
disadvantages of selling a
combination of stocks and bonds,
but analysis is not comprehensive
or support is cursory or missing
(55%)
Does not differentiate the
advantages and disadvantages of
selling a combination of stocks
and bonds (0%)
11.88
School Versus Work:
Choose to Sell
Meets “Proficient” criteria and
supports examination with
quantitative data (100%)
Examines choice to sell stocks,
bonds, or combination of both,
explaining the financial
reasoning behind the choice
(85%)
Examines choice to sell stocks,
bonds, or combination of both,
but explanation of the financial
reasoning behind the choice is
cursory or missing (55%)
Does not examine choice to sell
stocks, bonds, or combination of
both (0%)
7.92
School Versus Work:
Accept the Job
Meets “Proficient” criteria and
supports examination with
quantitative data (100%)
Examines choice to accept the
job, explaining the financial
reasoning behind the choice
(85%)
Examines choice to accept the
job, but explanation of the
financial reasoning behind the
choice is cursory or missing (55%)
Does not examine choice to
accept the job (0%)
7.92
Bonus Versus Stock:
Offered
Meets “Proficient” criteria, and
explanation of the best choice
demonstrates nuanced
understanding of the time-value
of money (100%)
Accurately calculates the best
choice of receiving a cash bonus
versus receiving company stock,
including an explanation of the
best choice (85%)
Calculates the best choice of
receiving a cash bonus versus
receiving company stock, but
calculation is inaccurate or
explanation of best choice is
cursory or missing (55%)
Does not calculate the best choice
of receiving a cash bonus versus
receiving company stock (0%)
11.88
Bonus Versus Stock:
Advantages and
Disadvantages
Meets “Proficient” criteria, and
analysis includes quantitative
data (100%)
Comprehensively analyzes the
advantages and disadvantages of
the cash and stock options,
supporting each option (85%)
Analyzes the advantages and
disadvantages of the cash and
stock options, but analysis is not
comprehensive or support for
each option is cursory or missing
(55%)
Does not analyze the advantages
or disadvantages of the cash and
stock options (0%)
11.88
Bonus Versus Stock:
Choose
Meets “Proficient” criteria and
supports choice with
quantitative data (100%)
Chooses cash or stock option,
including logical financial
reasoning behind the choice
(85%)
Chooses cash or stock option,
including financial reasoning
behind the choice, but reasoning
is illogical or missing (55%)
Does not choose cash or stock
option (0%)
7.92
Compliance:
Investigating
Meets “Proficient” criteria and
references demonstrate
knowledge of current events in
finance (100%)
Comprehensively analyzes the
influence of noncompliance on
potential employees and
potential shareholders, including
references to statutes and laws
in analysis (85%)
Analyzes the influence of
noncompliance on potential
employees and potential
shareholders, but analysis is not
comprehensive or support does
not include references to statutes
or laws (55%)
Does not analyze the influence of
noncompliance on potential
employees or potential
shareholders (0%)
11.88
Compliance: Accepting Meets “Proficient” criteria, and
analysis demonstrates nuanced
understanding of requirements
for compliance with federal laws
(100%)
Comprehensively analyzes the
federal and shareholder
requirements necessary for a
financial manager to become
familiar with in order to ensure
compliance (85%)
Analyzes the federal and
shareholder requirements
necessary for a financial manager
to become familiar with in order
to ensure compliance, but
analysis is not comprehensive
(55%)
Does not analyze the federal and
shareholder requirements
necessary for a financial manager
to become familiar with in order
to ensure compliance (0%)
11.88
Articulation of
Response
Submission is free of errors
related to citations, grammar,
spelling, syntax, and
organization and is presented in
a professional and easy to read
format (100%)
Submission has no major errors
related to citations, grammar,
spelling, syntax, or organization
(85%)
Submission has major errors
related to citations, grammar,
spelling, syntax, or organization
that negatively impact readability
and articulation of main ideas
(55%)
Submission has critical errors
related to citations, grammar,
spelling, syntax, or organization
that prevent understanding of
ideas (0%)
4.96
Earned Total 100%

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