Ariana is going to invest $62,000 and leave it in an account for 20 years. Assuming the interest is compounded continuously, what interest rate, to the nearest tenth of a percent, would be required in order for Ariana to end up with $233,000?

Answers

Answer 1

The interest rate required for Ariana to end up with $233,000 is approximately 6.6%.

What interest rate is required for Ariana to end up with $233,000?

The compound interest formula can be expressed as;

A = P(1 + r/n)^(n*t)

Where A is accrued amount, P is principal, r is interest rate, t is time elapsed.

Given the data in the question;

Principal P = $62,000Accrued amount A = $233,000Compounded continuously Time t = 20 yearsInterest rate r = ?

Using the formula A = P(1 + r/n)^(n*t).

Solve for r when interest is compounded continuously.

r = In( A / p ) / t

Plug the given values into the above equation.

r = In( $233,000 / $62,000 ) / 20

r = In( $233,000 / $62,000 ) / 20

r = 0.0661952

Now, convert r to R as a percentage

R = r × 100%

R = 0.0661952 × 100%

R = 6.6%

Therefore interest rate needed by Ariana to the nearest tenth of a percent is 6.6%.

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Related Questions

Carmen made $209 for 11 hours of work.
At the same rate, how much would she make for 8 hours of work?

Answers

Answer:

Step-by-step explanation:

First find the hourly rate Carmen makes. You can find it by dividing the amount she made by the number of hours she worked

209 / 11 = 19

Now multiply that rate by the amount of hours you want to figure out.

19 * 8 = 152

Answer: $152

Step-by-step explanation:

Divide 209 by 11 to find how much money she gets for 1 hour of work ($19) then multiply that value by 8.

Need help, please!

Suppose you will perform a test to determine whether there is sufficient evidence to support a claim of a linear correlation between two variables. Find the critical values of r given the number of
pairs of data in and the significance level a
n=14,a=0.01


A: r=0.661
B: r= +- 0.532
C: r= 0.684
D: r= +- 0.661

Answers

Answer:

c or b

Step-by-step explanation:

Of the 20 students in Mr . Evans class , 45% of them brought their lunches. Which of the following is the number of students who brought their lunches ?

Answers

Answer: 9 because 45% of 20 is 9

Solve equation with rational exponents. Check all proposed solutions.
8x^3/2-56=0

Answers

Answer: x=3√14

Step-by-step explanation:

Whenever he is injured and unable to play, Patrice Bergeron likes to earn a little extra cash by doing some tutoring. He currently charges $50/hr and has 20 students that he works with. He has discovered that for every $5/hr he increases the price, he loses one student.

Answers

The revenue function of Patrice Bergeron earnings is R(x) = (50 + 5x)(20 -x)

How to determine the revenue function?

From the question, we have the following parameters that can be used in our computation:

Charges  = $50

Students = 20

Also, we have:

For every $5/hr he increases the price, he loses one student.

This means that

Charges  = 50 + 5x

Students = 20 - x

So, the revenue equation is

R(x) = Charges * Students

Substitute the known values in the above equation, so, we have the following representation

R(x) = (50 + 5x)(20 -x)

Hence, the function is R(x) = (50 + 5x)(20 -x)

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Complete question

Whenever he is injured and unable to play, Patrice Bergeron likes to earn a little extra cash by doing some tutoring. He currently charges $50/hr and has 20 students that he works with. He has discovered that for every $5/hr he increases the price, he loses one student.

What is the revenue function

Tami earned 71 out of 80 points on a test. What percentage did Tami earn on the test?

Answers

Answer:

88.75% is the percentage Tami earned.

Question 21 Suppose that 12 inches of wire costs 36 cents. At the same rate, how much (in cents) will 5 inches of wire cost? ​

Answers

Answer: To determine how much 5 inches of wire would cost at the same rate as 12 inches of wire, we can first determine the rate at which the wire is being sold by dividing the cost of the wire by the length of the wire:

36 cents / 12 inches = 3 cents/inch

We can then use this rate to determine the cost of 5 inches of wire by multiplying the rate by the length of the wire:

3 cents/inch * 5 inches = 15 cents

Therefore, 5 inches of wire would cost 15 cents at the same rate as 12 inches of wire.

Aunt Georgia agreed to pay 40% of the cost of the new UMSHQYGT 2000, which costs $649.99. Does Kayan have enough money in the bank to get the phone?

Answers

Kayan will have enough money in the bank to get the phone.

Will Kayan have enough money?

It is important to note that percentage is a value or ratio that may be stated as a fraction of 100. If we need to calculate a percentage of a number, we should divide it's entirety and then multiply it by 100.

Since Aunt Georgia has $1000 and bought a gadget for $300, the remaining amount will be:

= $1000 - $300

= $700

Therefore, since also agreed to pay 40% of the cost of the new UMSHQYGT 2000, which costs $649.99, she will have money left. This will be:

= $700 - $649.99

= $50.01

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Complete question

Aunt Georgia has $1000 and bought a gadget for $300 She also agreed to pay 40% of the cost of the new UMSHQYGT 2000, which costs $649.99. Does Kayan have enough money in the bank to get the phone?

PLS HELP 10 POINTS!!
Perpendicular to the y-axis and has the point of (-4,5)
Answer choices
Y=5
Y=-4
X=5
X=-4

Answers

The line passes through Y=5. Correct option is A.

What is a perpendicular line?

Two lines are perpendicular to each other if they are at right angle

to each other.

Given, line is perpendicular to Y-axis and passes through (-4,5).

Therefore, the given line is parallel to X-axis and passes Y-axis at y=5.

Hence, the given line passes through Y=5.

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Let a dilation be defined by a scale factor s and center of dilation (x,y). Each of the options below represents a dilation of a polygon according to the given values of s,x and y. Which of the following dilations produce an image congruent to its pre-image. Select all that apply.

Answers

s = 1, x = 0, y = 3 and s = 1, x = 2, y = 0 produce an image congruent to its pre-image so option C and D are correct

What is dilation?

Dilation is the increase or decrease in the size of a figure by a scale factor. Rigid transformations preserve the shape of a figure. Examples of rigid transformation are reflection, rotation and translation.

Resizing an item uses a transition called dilation. Dilation is used to enlarge or contract the items. The result of this transformation is a picture with the same shape as the original. However, there is a variation in the shape's size. The initial form should be stretched or contracted during a dilatation. The phrase "scale factor" describes this transition.

Enlargement is the term used when a dilatation results in a bigger picture.Reduction occurs when a dilatation results in a smaller picture.

Dilation is said to be a rigid transformation if the scale factor is equal to one.

Therefore the dilation by a scale factor of one produce an image congruent to its pre-image.

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Write the systems of equations from the table below and find the solution?

Answers

The system of equations is y = 4x - 3 and y = -1/3x + 4 and the solution is (21/13, 45/13)

How to determine the system of equations?

From the question, we have the table of values as the parameters that can be used in our computation:

From the table, we have

Table 1

(x, y) = (0, -3) and (4, 13)

A linear equation is represented as

y = mx + c

Where

Slope = m

c = y when x = 0

This means that

c = -3

So, we have

y = mx - 3

The point (4, 13) implies that

13 = m * 4 - 3

So, we have

4m = 16

m = 4

So, the equation is

y = 4x - 3

Table 2

(x, y) = (0, 4) and (4, 6)

A linear equation is represented as

y = mx + c

This means that

c = 4

So, we have

y = mx + 4

The point (4, 6) implies that

6 = m * 4 + 4

So, we have

4m = -2

m = -1/3

So, the equation is

y = -1/3x + 4

Substitute y = -1/3x + 4 in y = 4x - 3

-1/3x + 4 = 4x - 3

So, we have

-x + 12 = 12x - 9

Evaluate the like terms

13x = 21

Divide

x = 21/13

y = -1/3x + 4 implies that

y = -1/3 x 21/13 + 4

So, we have

y = -7/13 + 4

Evaluate

y = 45/13

So, the solution is (21/13, 45/13)

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use an appropriate taylor series to find the first four nonzero terms of an infinite series that is equal to ln(5/3).

Answers

The appropriate Taylor series for an infinite series with the first four nonzero terms equal to ln(5/3) is 0/1!, 0/2!, 0/3!, and 0/4! .......

What is taylor series?

An infinite sum of words that are expressed in terms of a function's derivatives at a single point is known as the Taylor series or Taylor expansion of a function in mathematics. Near this point, the function and the sum of its Taylor series are equivalent for the majority of common functions. The polynomial or function of an infinite sum of terms is the Taylor series. The exponent or degree of each succeeding term will be greater than the exponent or degree of the one before it.

The formula is:

∑​n=0​ to ∞(fⁿ(a)(x-a)ⁿ)/n!

Here,

∑​n=0​ to ∞(fⁿ(a)(x-a)ⁿ)/n!

at n=1,

=0/1!

at n=2,

=0/2!

at n=3,

=0/3!

at n=4,

=0/4!

Appropriate taylor series for first four nonzero terms of an infinite series that is equal to ln(5/3) is 0/1!, 0/2!, 0/3!, 0/4!.......

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​​

I’m a computer graphics design program, Mario created a segment with endpoints at ( 1, 5) and ( 7, 3). He then reflected the segment about a vertical line through the segment’s own midpoint. WHAT ARE THE COORDINATES OF THE ENDPOINTS OF THE NEW SEGMENTS?

A. (5, 1) and (3, 7)
B (7, 5) and (1, 3)
C. (7, 3) and (1, 5)
D. (5, 1) and (7, 3)

Answers

The coordinates of the endpoints after the transformation is (c) (7, 3) and (1, 5)

How to determine the coordinates of the endpoints

From the question, we have the following parameters that can be used in our computation:

Segment with endpoints at (1, 5) and (7, 3)

Also from the question, we have:

The points are reflected the segment about a vertical line through the segment’s own midpoint

When this is done, this means that the points would swap positions

So, we have the following representations

(1, 5) and (7, 3) ⇒ (7, 3) and (1, 5)

Hence, the coordinates of the endpoints is (c) (7, 3) and (1, 5)

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2. Sandy Sellers works 30 hours per week
with an hourly rate of pay of $15.00 per
hour. She has deductions from each
paycheck of 12% for federal income tax,
2.84% for North Carolina income tax, 6.2%
for Social Security, and 1.45% for Medicare.
What is Sandy's net take home pay each
week?

Answers

Answer:

  $348.79

Step-by-step explanation:

You want to know Sandy Sellers' net weekly pay if she earns $15 per hour for 30 hours' work and has deductions of ...

12% federal tax2.84% NC tax6.2% SS1.45% Medicare.

Gross Pay

Sellers' net pay will be her gross pay, less the taxes. Those taxes are all percentages of her gross pay.

  gross pay = (hourly rate) × (hours worked)

  gross pay = ($15.00/hour) × (30 hours) = $450

Deductions

The deductions from her pay total ...

  12% +2.84% +6.2% +1.45% = 22.49% . . . . of her gross pay

The dollar amount of the deductions is ...

  0.2249 × $450 = $101.205 ≈ $101.21

Net Pay

Then Sellers' net pay is ...

  net = gross - deductions

  net = $450 -101.21 = $348.79

Sandy Sellers' take-home pay each week is $348.79.

Gina changes the amount of milk she purchases depending on whether it costs $1,$1.50, or $1.75 a pound. What other information do we need to come up with her demand curve for milk?
Select the correct answer below:


whether her milk consumption goes up or down with price

how much milk she buys in total

whether or not she switches to a substitute when the price is high

how much milk she buys at each price point

Answers

The information that we need to come up with her demand curve for milk is D how much milk she buys at each price point

What is a demand curve?

A demand curve is a graph that shows the relationship between a commodity's price and the amount that is desired at that price. Demand curves can be applied to the price-quantity relationship for either a specific consumer or for every consumer in a given market.

Individual demand curves and market demand curves are the two types of demand curves. It shows a graphic depiction of the demand schedule. It should be noted that based on the information, the quantity is needed. The correct option is D.

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PLS HURRY 30 PTS Write the math sentence as an equation: Negative six times the sum of a number and 18.3 is 27.9

−6(r + 18.3) = 27.9
−6(r − 18.3) = 27.9
−6r + 18.3 = 27.9
−6r − 18.3 = 27.9

Answers

Answer: A

Step-by-step explanation:

From the statement.

Times = Multiplication

The sum of a number and 18.3 = (r + 18.3)

Equals = 27.9

Therefore,

-6 x (r + 18.3) = 27.9

An art class is making a mural for their school which has a triangle drawn in the middle. The length of the bottom of the triangle is . Another side is 8 more than times the length of the bottom of the triangle. The last side is more than the bottom of the triangle. Write and simplify an expression for the perimeter of the triangle.

Answers

To find the perimeter of the triangle, you need to add up the lengths of all three sides of the triangle.

Let's call the length of the bottom of the triangle x. The length of another side of the triangle is 8 more than 3 times the length of the bottom of the triangle, or 3x + 8. The last side of the triangle is y, where y is more than x.

The perimeter of the triangle can be expressed as:

x + (3x + 8) + y

Simplifying this expression gives:

4x + 8 + y

Therefore, the perimeter of the triangle can be expressed as the sum of 4 times the length of the bottom of the triangle, 8, and the length of the last side of the triangle, y.

A plane slices a double-napped cone parallel to the base of the cone. Which conic section is formed?

Answers

Answer:

Parabola

Step-by-step explanation:

A conic section is a curve obtained by the intersection of a plane with the surface of a (double-napped) cone, When the plane is parallel to the edge of one cone.

Thus, The intersection is a parabola.

Answer: degenerate hyperbola

Step-by-step explanation:

degenerate hyperbola because its the thickest of the plane so it can be formed.

What is the probability of flipping a coin 50 times and getting tails 22 times or fewer? Round your answer to the nearest tenth of a percent.​

Answers

The probability of flipping a coin 50 times and getting tails 22 times or fewer is given as follows:

A. 24%.

How to obtain probabilities using the normal distribution?

The z-score of a measure X of a normally distributed variable that has mean represented by [tex]\mu[/tex] and standard deviation represented by [tex]\sigma[/tex] is obtained by the equation presented as follows:

[tex]Z = \frac{X - \mu}{\sigma}[/tex]

The z-score represents how many standard deviations the measure X is above or below the mean of the distribution of the data-set, depending if the obtained z-score is positive(above the mean) or negative(below the mean).The z-score table is used to obtain the p-value of the z-score, and it represents the percentile of the measure X in the distribution.The binomial distribution is the probability of x successes on n trials, with p probability of a success on each trial. It can be approximated to the normal distribution with [tex]\mu = np, \sigma = \sqrt{np(1-p)}[/tex].

The parameters for the binomial distribution are given as follows:

n = 50, p = 0.5.

Hence the mean and the standard deviation are obtained as follows:

[tex]\mu = 50 \times 0.5 = 25[/tex][tex]\sigma = \sqrt{50 \times 0.5 \times 0.5} = 3.54[/tex]

Using continuity correction, the probability of 22 or fewer tails is the p-value of Z when X = 22.5, hence:

Z = (22.5 - 25)/3.54

Z = -0.71

Z = -0.71 has a p-value of 0.2709.

Which is closest to 24%.

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Given the equation v over 9.4 equals 13.7, solve for v.

4.3
23.1
128.87
128.78

Answers

Therefore the solution to the given question is option d)128.78 for this particular equation.

What is Equation?

Many different definitions exist for a mathematical equation. In algebra, a statement that mathematically establishes the equality of two mathematical expressions is known as an equation.. Consider the equation 3x + 5 = 14, where 3x + 5 and 14 are two expressions that are separated by the symbol "equal." Mathematical variables are used in even the most fundamental and straightforward algebraic equations.

Here,

=> v/9.4 = 13.7

=> v = 13.7*9.4

=> v= 128.78

Therefore the solution to the given question is option d)128.78 for this particular equation

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pat radigan wants to purchase a new home for $312,500. pat puts 20% down and will finance the remainder of the purchase. compare the following two mortgage options he has: 20 years at 6.5% or 25 years at 7.0%.

Answers

Difference in interest paid = $82,740.52

Total interest paid for 25 year loan interest - Total interest paid for 20 year loan interest

According to the given information

A.

Monthly payment for 20 year mortgage [tex]& $=$ PMT $\left(6.5 \% / 12,20^* 12,-312500^* 0.8\right)$ & $=$ PMT $($ rate, nper, $-$ pv $)$ \[/tex]\

Monthly payment for 25 year mortgage [tex]& $=$ PMT $\left(7 \% / 12,25^* 12,-312500^* 0.8\right)$ & $=$ PMT(rate,nper,-pv) \\[/tex]

B

Total cost of interest for 20 year mortgage [tex]& $=(\mathrm{B} 2 * 20 * 12)-(312500 * 0.8)$ \\[/tex]

Total cost of interest for 25 year mortgage [tex]$=(\mathrm{B} 3 * 25 * 12)-(312500 * 0.8)$ &[/tex]

C.

Difference in interest paid [tex]& $=\mathrm{B} 7-\mathrm{B} 6$ &[/tex] = Total interest for 25 year loan-total interest for 20 years

A.

Monthly payment for 20 year mortgage [tex]& $\$ 1,863.93$ & $=$ PMT(rate,nper,-pv) \\[/tex]

Monthly payment for 25 year mortgage [tex]& $\$ 1,766.95$ & $=$ PMT(rate,nper,-pv) \\[/tex]

B.

Total cost of interest for 20 year mortgage = [tex]& $\$ 197,343.88$ & $=$[/tex]  total monthly payments-loan taken

Total cost of interest for 25 year mortgage = [tex]& $\$ 280,084.40$ & $[/tex] = total monthly payments-loan taken

C.

Difference in interest paid = $82,740.52

Total interest paid for 25 year loan interest - Total interest paid for 20 year loan interest

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Please help, picture of question is attached

Answers

Bearing is a topic that deals with angles and distance. Thus, the required answers to the given question are:

i. Distance of 1034.2 miles

ii. Bearing of [tex]158^{o}[/tex]

The speed of an object is the rate of movement of the object with time.

speed = [tex]\frac{distance}{time}[/tex]

So that:

distance = speed x time

i. In the given question; let the initial distance covered be represented by d, so that:

d = 250 x 2

  = 500 miles

ii. Let the second distance covered by the pilot be represented by D, so that:

D = 300 x 2

   = 600 miles

iii. Thus let the distance to the starting point be represented by x. From Cosine rule, we have:

[tex]c^{2}[/tex] = [tex]a^{2}[/tex] + [tex]b^{2}[/tex] - 2abCos C

[tex]x^{2}[/tex] = [tex]500^{2}[/tex] + [tex]600^{2}[/tex] - 2(500 x 600)Cos [tex]140^{o}[/tex]

   = 250000 + 360000 - 600000(-0,7660)

   = 610000 + 459600

   = 1069600

x = [tex]\sqrt{1069600}[/tex]

  = 1034.22

x = 1034.2 miles

Using the Sine rule to determine the required internal angle, we have:

[tex]\frac{a}{Sin A}[/tex] = [tex]\frac{c}{Sin C}[/tex]

[tex]\frac{500}{Sin A}[/tex] = [tex]\frac{1034.22}{Sin 140}[/tex]

Sin A = [tex]\frac{500*0.6428}{1034.22}[/tex]

         = 0.3108

A = [tex]Sin^{-1}[/tex] 0.3108

   = 18.11

A = [tex]18^{o}[/tex]

To determine angle B, we have:

140 + 18 + B = 180 (sum of angles in a triangle)

158 + B = 180

B = 180 - 158

  = 22

B = [tex]22^{o}[/tex]

Thus, the required bearing is 180 - 22 = 158

Therefore the distance and bearing required to fly to starting point are 1034.2 miles and [tex]158^{o}[/tex] respectively.

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In a random sample of 125 people, 42 of them owned two vehicles. The sample proportion of people who own two vehicles is

Answers

In a random sample of 125 people, 42 of them owned two vehicles. The sample proportion of people who own two vehicles is 0.336

The percentage of people in a sample that exhibit a particular attribute or trait is expressed by the sample proportion (p).

Divide the total number of individuals (or things) in the sample by the number of individuals (or items) who share the characteristic of interest to obtain the sample proportion.

p = x/n, where x stands for the sample's success rate and n for sample size, gives the sample proportion p.

According to the question,

Sample size = 125

Number of people owned two vehicles = 42

Sample Proportion (p) = x/n

=> p = 42 / 125

=> p = 0.336

Therefore , The sample proportion of people who own two vehicles is 0.336

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Which inequality does the graph represent?

A two-dimensional graph with an x-axis and a y-axis is given. A dotted line is passing through the co-ordinates (1,0), and (-1,2). The region below the dotted line is shaded in grey.
A. y < –x – 1
B. y < –x + 1
C. y < x – 1
D. y < x + 1

Answers

The inequality that the graph represent is y < -x + 1. The correct option is B. y < –x + 1

Determining the inequality that represents a graph

From the question, we are to determine the inequality that represents the given graph.

From the given information,

The line is passing through the coordinates (1, 0) and (-1, 2).

Using the formula for the equation of a line,

Using the formula,

(y - y₁)/(x - x₁) = (y₂ - y₁)/(x₂ - x₁)

Then,

(y - 0)/(x - 1) = (2 - 0)/(-1 - 1)

y/(x-1) = 2/-2

y/(x -1) = -1

y = -1(x -1)

y = -x + 1

Since the line is dotted and the shaded region is below the line, the inequality becomes

y < -x + 1

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To multiply a decimal number by 10,
O move the decimal point one place to the right.
move the decimal point two places to the right.
O move the decimal point one place to the left.
O move the decimal point two places to the left.

Answers

Answer:

[tex]\huge{\boxed{\text{A) move the decimal point one place to the right}}}}[/tex]

Step-by-step explanation:

Think about the following scenarios

4.00 * 10

529.00 * 10

4 * 10 = 40 (4.00 * 10 =  40.0)

529 * 10 = 5290 (5290.00 * 10 =  5290.0)

As you can see, the decimal point is moving one space to the right when multiplying by ten.

In the decimal system, moving the decimal point one place to the right multiplies by ten, while moving the decimal point one place to the left multiplies by 1/10.

Hope it helps :) and let me know if you want me to elaborate.

Answer is A
Explanation is edge

the midpoint of AB is at (0,4). If A=(3,0), find B.

Answers

If the midpoint of AB is at (0,4). and A = (3,0) then B is at point (-3, 8)

How to find point B

The formula to determine the center point of a straight line using the coordinates of its endpoints is known as the midpoint formula in coordinate geometry.

The formula is of the form

X= (x₂ - x₁)/2

Y = (y₂ - y₁)/2

solving for B (x₂, y₂)

0 = (x₂ + 3)/2

0 = x₂ + 3

x₂ = -3

4 = (y₂ + 0)/2

8 = y₂ + 0

y₂ = 8

point B = (-3, 8)

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Departments D1 and D2. Each unit of product1 requires processing for 1 minute at D1 and 3 minutes at D2; each unit of product 2 requires processing for 2 minutes at D1 and 2 minutes at D2. Machine time available per day is 860 minutes at D1 and 1200 minutes at D2. How much of product 1 and 2 should be produced every day so that total profit is maximum. Make the mathematical model for the given problem

Answers

Answer:

510

Step-by-step explanation:

1200-860x3 /2 = 510

A fair die with its faces numbered from 1 to 6 will be rolled. Which of the following is the best interpretation of the probability that the number landing face up will be less than three?
For many rolls of the die, the long- run relative frequency of a number less than three landing face app is 1/3.

Answers

For many of the rolls die, the long run relative frequency of a number less than 3 landing face up is 1/3.

What is relative frequency?

The proportion of outcomes where a specific event occurs to all trials, not in a hypothetical sample space but in a real experiment, is known as the empirical probability, relative frequency, or experimental probability of an event.

Given that, Only two integers (1 and 2) are smaller than 3, hence their relative frequency will be 2/6=1/3.

The best way to interpret the data is thus,

For many rolls of the die, the long- run relative frequency of a number less than three landing face up is1/3.

Hence option A is correct which is for many of the rolls die, the long run relative frequency of a number less than 3 landing face up is 1/3.

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A local movie theater has a movie lovers club. After paying a membership fee,
all ticket purchases are discounted. The cost after buying 5 movie tickets is $48.75. The
cost after buying 7 movie tickets is $58.25. Write an equation in slope-intercept form to
represent the data. Describe what the slope and intercept mean. Use the equation to
find the total cost after buying 12 tickets.

Answers

Answer: 57 dollars, hope this helps!

6. Jesse roasted 12 marshmallows in 4 minutes. How many marshmallows could she roast in 7 minutes?

Answers

Answer: 21

Step-by-step explanation: 12 in 4 minutes means every minute 3 marshmallows are roasted, 4x3=12, so add three more minutes and you get 21. 7x3=21

Answer: 21 marshmallows

Step-by-step explanation:

4 minutes x 1.75 = 7 minutes

multiply marshmallows by 1.75 as well.

12 marshmallows x 1.75 = 21 marshmallows

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