Prompt: Using the SECs EDGAR database, search for a large public company and download the most recent Form 10-K. This form contains all the information that must be reported annually to the SEC. Within this form, ensure that it includes footnotes, the management discussion and analysis (MD&A) sections, review each of the previously listed sections, and discuss any off-balance sheet financing, management concerns, managements expectations for the future, and anything interesting or out of the ordinary. Feel free to supplement your search with current articles that discuss your chosen company and the industry in which it operates.

Specifically, the following critical elements must be addressed:

I. Company Selection: Select and name the public company along with the fiscal year-end of the annual report that includes footnotes and the management discussion and analysis (MD&A) sections. - Company Apple

II. Footnotes: Review the footnotes of the financial statements and describe off-balance sheet financing in general or with specific examples provided within the Form 10-K of the selected company (e.g., operating lease or through special purpose entities).

III. Management Discussion and Analysis (MD&A): Review the MD&A of the annual report. Management often discusses issues of concern in this area of their report. They also include projected financial statements, which may suggest ideas about the firms potential for future earnings.

a. Describe any management concerns listed and/or explain anything you find interesting or out of the ordinary.

b. Describe any projections and/or future expectations of the management.