Greeting cards, brochures, newsletters, flyers, business cards, and so on are examples of Desktop publishing files.
About Desktop publishingDesktop publishing (abbreviated as DTP) is the creation of documents using page layout skills on a personal computer. Desktop publishing software can generate layouts and produce a typographic quality of text and images comparable to traditional typography and printing. This technology enables individuals, businesses, and other organizations to self-publish a variety of printed matter. Desktop publishing is also the ultimate reference for digital typography. When used professional desktop publishing allows users to produce a wide variety of material, from menus to magazines and books, without the cost of commercial printing.
Desktop publishing combines personal computers and WYSIWYG page layout software to create publication documents on computers for either large-scale publishing or small-scale local multifunction peripheral output and distribution. The desktop publishing method provides more control over design, layout, and typography than word processing does. However, word processing software has grown to include some, though by no means all, capabilities previously only available with professional printing or desktop publishing.
The same DTP skills and software that are used for plain paper and book publishing are sometimes used to create graphics for point of sale displays, promotional items, trade show exhibits, retail package designs and outdoor signs. Although what is classified as "DTP software" is usually limited to print media and PDF publications, DTP skills are not limited to print. Content produced by desktop publishers can also be exported and used for electronic media. Job descriptions that include a "DTP", such as a DTP artist, often require skills using software to produce e-books, web content, and web pages, which may involve web design or user interface design for any graphical user interface.
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the balance in accounts receivable of rigsby sales co. at the beginning of 2024 was $690. during 2024, 2500 of credit sales were recorded. if the ending balance in accounts receivable was 150 and 200 in accounts receivable were written off during the year, the amount of cash rigsby collected from customers during 2024 was:
As per the concept of journal entry, the amount of cash Rigsby collected from customers during 2024 was $1040
The term journal entry in accounting is records a business transaction in the accounting system for an organization.
Here we have given that the balance in accounts receivable of Rigsby sales co. at the beginning of 2024 was $690.
And we need to find amount of cash Rigsby collected from customers during 2024.
While we looking into the given question, we have identified that during 2024, 2500 of credit sales were recorded.
And we also know that the ending balance in accounts receivable was 150 and 200 in accounts receivable were written off during the year,
Then the amount receivables is calculated as,
=> 690 + 150 + 200
=> 1040.
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The action toy company has decided to manufacture a new train set, the production of which is broken into six steps. The demand for the train is 4,800 units per 40-hour workweek:.
The new train set's manufacturing cycle time is 32 seconds due to demand. Theoretically, there should be 3.75 or 4 workstations each employee.
Calculation: The results are displayed below:(A) Cycle Time is (40 hours, 60 hours, 60 hours) x (4,500) x output per week = 32 seconds.
(b) In addition, the theoretically necessary number of workstations is equal to the sum of all task times divided by the cycle time:
(22 + 30 + 15 + 14 + 12 + 27) divided by (32 sec) equals 3.75 or 4.
We can determine the cycle time and theoretically required minimum number of workstations by applying the aforementioned formulas.
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a reduction in personal income taxes increases aggregate demand through group of answer choices an increase in private savings. an increase in personal consumption. an increase in national savings. an increase in investment spending.
a rise in consumption by individuals. Savings Tax Incentives Are Effective In Increasing Personal Savings... the federal government may raise national saving, as well as create budget surpluses.
What occurs to the overall demand when personal income taxes are reduced?Income taxes are decreased, which results in higher aggregate demand, higher disposable personal income, and higher consumption (albeit not as much as the shift in disposable personal income).
How can the overall demand rise if taxes are cut?To promote capital development, supply-side tax cuts are implemented. The price level for a supply of items will be lower, which frequently results in an increase in demand for those commodities, thus if the cuts are successful, they will affect both aggregate demand and supply.
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a fully amortizing cam loan is made for $137,000 at 6 percent interest for 20 years. required: a. what will be the payments and balances for the first six months? b. what would payments be for a cpm loan? c. if both loans were repaid at the end of year 5, would the lender earn a higher rate of interest on either loan?
If both loans were repaid at the end of the fifth year, the larger monthly payment would be $891.51.
N=(20*12)=240 I/Y=(6/12)=0.583333333% is entered into a financial calculator.
PV=-134000
By solving for PMT, we obtain that PMT = monthly payments = $1555.85. (Approx)
N=(30*12)=360 I/Y=(6/12)=0.583333333% is entered into a financial calculator.
PV=-134000
Solving for PMT yields the value of $891.51 per month.
The term "loan" describes a category of credit instrument in which a sum of money is lent to another party in return for the value or principal amount to be repaid in the future. Most of the time, the lender will also add interest or finance charges to the principal amount, which the borrower will also be required to pay back along with the principal sum.
Loans can be made for a predetermined, one-time sum of money or they can be used as an open-ended line of credit up to a predetermined maximum. There are many various types of loans, including secured, unsecured, business, and personal loans.
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us banks pays 3% interest for a 1 year deposit. european banks pay 5% interest over the same period. the spot f/x rate is 1.02 euro/usd. what is the expected exchange rate in 1 year? group of answer choices a) 0.96 euro/usd b) 1.04 euro/usd c) 1.00 euro/usd d) it cannot be determined
The expected exchange rate in 1 year is 1.04 euro/usd.
The exchange rate is the price at which one currency will be exchanged for foreign currency.
Spot Rate: 1.02 EUR/USD
Interest paid in home currency is 5%.
Interest rate in foreign currencies: 3%
We have to find the exchange rate, the formula for the same is
Exchange rate = Spot rate * (1+Home currency interest rate)/(1+Foreign currency interest rate)
Substituting the values, we get
Exchange rate = 1.02*(1+0.05)/(1+0.03)
Exchange rate = 1.02* 1.05/1.03
Exchange rate = 1.04
The correct answer is option b, the expected exchange rate is 1.04 euro/usd.
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in littlefield technologies game, the capacity of the three stations are 6, 7, 4 per day. you need to deliver the product in 3 days. to what value do you set max-wip?\\
The daily capacity of the three stations in the LittleField Technologies game is 6, 5, 4. In two days, you must deliver the item.
In the Littlefield simulation, how many steps does a product go through?A work facility called Littlefield Technologies assembles receivers for the Digital Satellite System. These receivers are made from electronic component kits that were purchased from a single provider. Board filling, testing, and tuning are the three stations where the four processes of assembly are completed.
In Littlefield simulation, how can lead time be cut down?The most obvious approach to shorten the lead time is to purchase more machines, but when the students start the game, they have a cash shortage that prevents them from doing so.
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because of the war on terrorism, the u.s. government prohibited doing business with certain countries. contracts that existed at the time the prohibition was announced were:
Contracts that existed at the time the prohibition was announced were unenforceable.
Unenforceable contracts are ones that, until and unless they are ratified in accordance with the law, cannot be enforced, given effect in a court of law, or sued upon due to certain faults stipulated by law.
A term used to describe a contract that, despite being legitimate, will not be upheld by a court. Though the parties carry out their obligations under the contract as stipulated, the court will not object even if a clause is unenforceable. Contracts with provisions that conflict with state or federal law are automatically void. For instance, it would be deemed unenforceable if an employer made an employee sign a document that forbade taking sick time.
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ohlson co owns equipment for which it paid $90 million atht the end of 2024, it had accumulated depreciation on the equipment of 27 million. due to adverse economic conditions, ohlsons management determined that it should assess whetheer an impairment loss should be recognuized for the equipment. the estimated undiscounted future cash flows to be provided by the equipment total 60 million, and the equipments fair value at that point is 40 million. under these circumstances, ohlson co would report:
ohlson co would report a $23 million impairment loss on the equipment.
What Is Accumulated Depreciation?The depreciation of an asset up to one point in its life is referred to as accumulated depreciation. Since accumulated depreciation is a counter asset account, its natural equilibrium is a credit that lowers the asset's total value. General accepted accounting principles (GAAP) require that expenses be matched to the same accounting period in which the relevant revenue is generated. This is known as the matching principle. A business will depreciate a portion of a capital asset's value over the course of each year of its useful life. This implies that the expense related to using up an asset that has been capitalized is reported every year the asset is put to use and generates income. The total amount an asset has been depreciated up to a specific point is known as accumulated depreciation.
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cheyene industries's fixed costs are $900,000 and the variable costs are 75% of the unit selling price. what is the break-even point in dollars?
If Cheyene industries fixed costs are $900,000 and the variable costs are 75% of the unit selling price, then the break-even point in dollars is 3,600,000$.
What do fixed and variable costs mean?Depending on how much is produced, variable costs change. Labor, commissions, and raw materials are examples of variable expenses. Regardless of production output, fixed costs stay the same. Payments for insurance, rent or lease, and interest are examples of fixed costs.
What is another name for fixed costs?In accounting and economics, expenses for a firm are referred to as "fixed costs," often known as "indirect costs" or "overhead costs" since they are independent of the volume of goods or services the business produces.
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t what level or levels of relationship marketing does a firm use financial and social bonds but also offer value-added services that are not readily available from other firms?
At the structural level of relationship marketing, a firm uses financial and social bonds but offers value-added services that are not readily available from other firms.
Relationship marketing is the word used to describe the actions made by the business to build and sustain profitability and a lasting relationship with its clients.
Relationship marketing differs from traditional marketing in that the former places a greater emphasis on customer satisfaction and retention, which leads to long-term relationships and repeat business, whereas the latter placed more emphasis on customer acquisition and one-time sales without placing as much emphasis on fostering relationships.
In place of bulk marketing campaigns, businesses now use tailored marketing techniques. Customers are more satisfied when businesses give them exactly what they want and stay in touch with them effectively.
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how reliable is the electricity supply? how good are banking services? how well-connected is the country in terms of a transportation system? how good is the telephone and communication system? are all questions related to the of a country that need to be looked into while assessing global markets.
all questions related to the infrastructure of a country that need to be looked into while assessing global markets.
When a nation has solid infrastructure, it typically also has good banking services, good telephone and communication systems, and good energy grid systems. the market where products and services from one nation are exchanged with citizens of other nations. The use of marketing ideas in more than one nation, by businesses abroad, or across international borders is known as global markets. It is accomplished by the export of a company's goods to other countries, admission through a domestic joint venture with another company, or foreign direct investment. The creation of the nation's marketing mix requires the use of international marketing.
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a company website that provides public relations and investor information about the company is known as a(n)
The company is known as an Online newsroom or pressroom.
What is an online newsroom?A basic web website that serves as a central hub for your company's news and press releases is an online newsroom, also known as an online press room. According to the definition, an online newsroom may not seem like much, but you'd be surprised at how useful they are for businesses.
Online press rooms allow you to entirely control your own narrative and choose what information to make public, in contrast to genuine media coverage. It's also the place to go for all media personnel, opinion leaders, prospective and current clients, and even staff members who want to know what your business has been up to.
By making your media materials accessible online, you make it simple for them to cover your story.
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conflicts between two mutually exclusive projects occasionally occur, where the npv method ranks one project higher but the irr method puts the other one first. in theory, such conflicts should be resolved in favor of the project with the higher npv. t or f
Theoretically, these disputes ought to be settled in favor of the project with the larger NPV. The given statement is True.
Define an NPV.A set of cash flows is said to have a net present value or net present worth if they occur at diverse times. The present value of a cash flow depends on how long it will be before it occurs. Another element is the discount rate. The temporal value of money is considered by NPV.
Using the internal rate of return is one method of calculating the rate of return on an investment. The formula is "internal" because it does not account for external factors like the risk-free rate, inflation, the cost of capital, or financial risk. Applications of the method can be either ex-post or ex-ante.
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refer to scenario 15-2. what is vincent's profit on a typical day? a. $2,170 b. $1,350 c. $820 d. $660
Vincent's profit on a typical day is $820. Hence option (c) is correct.
What does profit mean?The term profit is the amount of money you have after covering business expenses. Gross, operational, and net profits are hence, the three basic categories of profit. The greatest is gross profit. The business is said to be in the profit if the value left over after expenses are subtracted from revenue is positive, and is in the loss, if the value is negative.
Vincent's total daily income is:
Give:
Passenger Price Daily demand
Adults $18 70
Children $10 25
Senior citizens $12 55
total 150
The total revenue each day = ($18 x 70) + ($10 x 25) + ($12 x 55) = $1,260 + $250 + $660 = $2,170
The total operating costs each day = (150 / 50) x $450 = $1,350
The operating income each day = $2,170 - $1,350 = $820
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The complete question is:
Vincent operates a scenic tour business in Boston. He has one bus that can fit 50 people per tour and each tour lasts 2 hours. His total cost of operating one tour is fixed at $450. Vincent's cost is not reduced if he runs a tour with a partially full bus. While his cost is the same for all tours, Vincent charges each passenger his/her willingness to pay: adults $18 per trip, children $10 per trip, and senior citizens $12 per trip. At those rates, on a typical day Vincent's demand is: Assume that Vincent's customers are always available for the tour; therefore, he can fill his bus for each tour as long as there is sufficient total demand for the day.
Refer to Scenario 15-2. What is Vincent's profit on a typical day?
a. $2,170 b. $1,350 c. $820 d. $660
You hold a diversified p100,000 portfolio consisting of 20 stocks with p5,000 invested in each. The portfolio's beta is 1. 12. You plan to sell a stock with b = 0. 90 and use the proceeds to buy a new stock with b = 1. 80. What will the portfolio's new beta be?.
The new beta portfolios, which will include 20 equities and 5000 portfolios invested in each, will be 1.150.
How do I determine a portfolio's beta in capm?To calculate beta, divide the asset's standard deviation of returns by the benchmark's standard deviation of returns. The final value is multiplied by the correlation between the returns on the securities and the benchmark.
How are a portfolio's risk and return determined?The portfolio beta, which is the weighted average of the various betas, must first be determined in order to proceed. The needed return for the portfolio can then be determined using the CAPM algorithm. The portfolio A + B is anticipated to return 20%.
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adjustment analysts add cash expenses to net income b. subtract depreciation from operating revenues c. add noncash charges to net income d. subtract cash expenses from noncash charges
The cash flow statement along with other costs like amortisation and depletion. The earnings of a company after costs are deducted are shown as adjusted net cash flow or adjusted net income.
It net cash displays the earnings before interest, depreciation, and taxes in accounting terms, but it also takes into account additions or subtractions for things like the owner's compensation and optional, one-time, and noncash expenses. Depreciation is a type of "non-cash expense" because it is merely a statement cost for a fixed asset that declines over time to correspond with the condition or life of the asset, frequently as a result of wear and tear.
(The given que is incomplete I answered this ques in general according to my knowleadge)
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FILL IN THE BLANK. Giving hr managers full control access to files in a folder called hr policies while giving hr representatives read-only access to the files in the same hr policies folder is an example of ___ access controls
Giving HR managers full control access to files in a folder called HR policies while giving HR representatives read-only access to the files in the same HR policies folder is an example of role based access controls.
What is role based access control?It is a term in computer system security which means giving the right access to the authorized users only. The role based access control restricts the access to the system for unauthorized users, so it secures the system from unwanted changes. The role based access control involves certain permission settings and privileges based on what is the role of the users and whether the user is an authorized personnel to perform any change to the system or data.
Your question is incomplete, but most probably the answer choice were:
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A sudden storm threatens the property of Marina Bay LLC. Ngoc, Marina Bay’s sales agent, is on site, but lacks the express or implied authority to bind the firm to the cost of appropriate protective measures. Unable to communicate with Marina Bay, Ngoc
a. has emergency powers to deal with the situation.
b. must await the principal’s express ratification to act.
c. can imply a power of attorney to assume the needed authority
The Marina Bay LLC property is under danger due to an unexpected storm. Despite being unable to contact Marina Bay, Ngoc is equipped with emergency powers.
Storms are powerful atmospheric disturbances that have low barometric pressure, cloud cover, precipitation, strong winds, and may even have lighting and thunder.
The term "storm" is a general one that is frequently used to refer to a wide range of atmospheric disturbances, from simple rainstorms and snowstorms to thunderstorms, wind, and wind-related disturbances like gales, tornadoes, tropical cyclones, and sandstorms.
Storms are defined in meteorological terms as cyclones with a strong center of low pressure, strong winds that gust between 103 and 117 km/h (64 and 73 mph), heavy precipitation, and occasionally lighting and thunder. For details on certain storm types, see thunderstorm, tornado, and tropical cyclone.
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under eda, the "commission" means the professional standards and practice commission. t or f
Under EDA, the term "commission" does not apply to the professional standards and practice commission.
The given statement is false.
Prior to making any assumptions, EDA aims to promote data analysis. people who like to chatter on. a group of people that discuss potential research projects. a group of experts who will assess a research proposal and how carefully ethical considerations have been made.
The Independent Professional Standards and Practices Commission (Commission) is tasked with setting high standards for preparation, certification, practice, and ethical conduct in the teaching profession in order to improve the quality of education in the Commonwealth. The Commission is made up of practicing educators and administrators, members of the general public, and programmes that prepare teachers. Its mandate includes the oversight of the educator discipline system, including the imposition of state-level sanctions.
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Select all of the following choices which explain why the public keeps some wealth in the form of money.
To make purchases with it
To hold it as an asset
The reasons why the public would have to keep wealth in the form of money would be:
To make purchases with itTo hold it as an assetWhat is wealth?The value of all the valuable assets that a person, group of people, business, or nation owns is measured as wealth. The total market worth of all held tangible and intangible assets is calculated, and all debts are then subtracted. Wealth is essentially the accumulation of limited resources.
Net worth is the sum of a person's or a family's assets, such as money in savings and investment accounts, and their liabilities, such as loans and mortgages.
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Which of the following is a factor that resulted in the establishment of the European Union (EU)? A. The spectacular success of the North American Free Trade Agreement (NAFTA) B. The trade impasse following the oil crisis in the 1970s that occurred due to collusion among oil producing nations C. The devastation of Western Europe during two world wars and the desire for a lasting peace D. The emergence of Japan as an economic and industrial superpower despite the nuclear holocaust E. The rise of communism in Europe
C. The devastation of Western Europe during two world wars and the desire for a lasting peace is the factor that resulted in the establishment of the European Union (EU).
Establishment of the European Union (EU)The European Union (EU), an organisation of European nations, was established in 1993 to manage their political and economic fusion. It was established by the Maastricht Treaty and ratified by each of the EC's members, from which the EU emerged. A framework for coordinated member country action in security and foreign policy as well as for cooperation in policing and justice issues was provided by the successful EC, which had made its members more receptive to increased integration.
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an individual wishes to have a complete liquidation of the account done over a 5 year time frame. he or she should elect which type of withdrawal plan?
An individual may choose a withdrawal option if they intend to redeem mutual fund shares following a "systematic withdrawal plan." A financial strategy known as a withdrawal plan enables.
Investors to take money out of mutual funds or other investment accounts at financial intervals. This kind of plan is frequently utilised to pay for retirement expenses. But it can also be utilised in various ways. Some retirees withdraw a set sum of money over a predetermined time frame. For instance, you might choose to remove $40,000 annually and reevaluate the amount after five years. These programmes provide guaranteed returns with almost no risk.
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the marketing concept holds that delivering unmatched value to customers is the only effective way to achieve long-term profitability. group of answer choices true false
true the marketing concept holds that delivering unmatched value to customers is the only effective way to achieve long-term profitability.
Which statement in the marketing idea quizlet is true?The marketing idea holds that companies should evaluate customer wants before making decisions that will best satisfy them. the quality of being beneficial, profitable, or useful.
What exactly is a marketing concept? Why is it so important?The marketing notion holds that a company should work to meet customers' requirements while also pursuing its own objectives through planned operations. It's crucial because businesses need to understand customers want before creating products that will satisfy their demands and wishes.
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if you can leave your investments alone and let them work for 5 to 10 years or more, then you can invest in:
If you can leave your investments alone and let them work for 5 to 10 years or more, then you can invest in
E. Stocks and mutual fundsWhat are stock and mutual funds?A stock, usually referred to as equity, is a type of investment that denotes ownership in a portion of the issuing company.
Shares, also known as units of stock, entitle its owners to a share of the company's assets and income in proportion to the number of shares they possess.
While mutual funds can contain hundreds or even thousands of stocks, bonds, or other assets, stocks represent shares in specific firms. However, you are not required to pick one over the other.
Stocks and mutual funds can both be included in a portfolio to help you increase your wealth and achieve your financial objectives.
When one has available funds for 5 to 10 years investing in stocks and mutual funds will be a great idea.
complete question
If you can leave your funds alone for 5-10 years or more, which of the following investments would be
most appropriate?
A. Cash
B. Certificates of deposit
C. Short-term government bonds
D. Highly rated corporate bonds
E. Stocks and mutual funds
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Answer:
Stocks and mutual funds
Explanation:
assume that downing, inc. has $200,000 of sales, $150,000 of cost of goods sold, $60,000 of interest income, and $40,000 of dividends. what is downing, inc.'s excess net passive income?
Downing, Inc.'s excess net passive income is $172,000
How to calculate the net passive income?
In economics, Net passive income is calculated as passive investment income reduced by the allowable deductions that are directly connected with the production of that income.
Here we need to find the downing, inc.'s excess net passive income.
While we looking into the given question, we know that the following details,
Sales = $200,000
Goods sold = $150,000
Interest = $60,000
Dividends = $40,000
Then the net passive income is calculated as,
=> (200000 + 150000 + 60000) - 40000
=> 172,000
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perceived obsolescence involves continually changing consumer concepts of acceptable styles to encourage more and earlier buying. true or false?
True, In economics and industrial design, planned obsolescence (also called built-in or premature obsolescence) is a policy of planning or designing a product with an artificially limited useful life or a purposefully frail design so that it becomes obsolete after a certain pre-determined period of time when it decrements or stops working or becomes unfashionable.
This method reduces the period between repeat purchases to boost long-term sales (referred to as "shortening the replacement cycle"). It is intentionally decreasing a product's lifespan to force users to buy functional replacements.
Perceived obsolescence-constantly modifying customer perceptions of acceptable trends to encourage more and earlier buying-causing items to become obsolete before they truly need to be replaced-using materials and components that will break, wear, rust, or root sooner than they should.
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suppose milk and cookies are consumed together. if the price for milk rises, what will happen with the demand for cookies?
If the price for milk rises, the demand for cookies will decrease.
The price of a product plays a major role in the sales of a product and also the sales of other products that are bought in custom with it.
If milk and cookies go together then the price change in one of the products will also influence the sale of the other product. When the price of milk will rise, this means that lesser people will be able to buy the milk due to the higher price. Hence, as cookies go along will milk, the demand for cookies will decrease. People might also have to choose between buying only milk or cookies and hence the demand of cookies will decrease based on the preference in such a case.
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a production company is interested in collecting information on the impact of an educational documentary on everyone that watched it at the film festival. which statement is true
A production firm is looking to learn more about how a film festival audience was affected by an instructional documentary. This assertion is accurate if you look at the crowd at a festival watching a documentary.
Documentaries have a far greater influence than fictional movies. There are several real-life situations taking place all across the world in the twenty-first century. The public is aware of certain occurrences, but there are still those that it is either ignorant about or uninformed of.
The common individual may now acquire important information regarding international, social, and political concerns that they might not otherwise have access to. In order to improve the environment around you for everyone, it's crucial for individuals to continuously question their own viewpoints.
Complete question:
A production company is interested in collecting information on the impact of an educational documentary on everyone that watched it at the film festival. Which statement is true?
a.) The production company is the sample.
b.) The group of people that watched the documentary at the festival represents the population.
c.) The production company represents the population.
d.) The group of people that watched the documentary at the festival is the sample.
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matt wants to start a bait shop and does not have the capital. what strategy is available to matt in order for him to start selling worms?
Matt wants to start a bait shop and does not have the capital. The strategy that is available to matt in order for him to start selling worms is long term liability.
Long-term liabilities are a company's debts that aren't due for another year or more. To give a clearer picture of a company's current liquidity and its capacity to pay current liabilities as they fall due, the current portion of long-term debt is broken out separately on the balance sheet. Long-term debt and noncurrent liabilities are other names for long-term obligations. Long-term obligations are ones that are due beyond a year.
On the balance sheet, they are listed separately.
Long-term liabilities can be paid off by a variety of current and upcoming company operations, but short-term liabilities must be met with current assets.
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how many local television stations is it possible to own as one company in a market like tampa/st.pete?
As long as the collection of stations together reaches no more than 39% of all U.S. TV households, there is no nationwide limit on the number of stations one corporation may control.
A television program produced by a television station or independent television producer for broadcast only inside the station's transmission area or television market is referred to as a local program, local programming, local content, or local television. regarding the FCC. In all 50 states, the District of Columbia, and U.S. territories, the Federal Communications Commission governs interstate and international radio, television, wire, satellite, and cable communications.
If one of the following conditions holds true, an organization may own up to two television stations in the same Designated Market Area (DMA): The service regions of the stations, often referred to as the digital noise limited service contour, do not overlap. The latest recent statistics indicates that in 2022, 55.2 percent of non-satellite TV stations in the United States reported making a profit, while 4.4 percent reported a deficit.
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