spletion. Return to question Lou Barlow, a divisional manager for Sage Company, has an opportunity to...

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spletion. Return to question Lou Barlow, a divisional manager for Sage Company, has an opportunity to manufacture and sell one of two new products for a five- year period. His annual pay raises are determined by his division's return on investment (ROI), which has exceeded 25% each of the last three years. He computed the following cost and revenue estimates for each product Initial investment: Cost of equipment (zero salvage value) Annual revenues and costs: Product A $370,000 Product B $530,000 $ 400,000 $510,000 Variable expenses $ 180,000 $ 250,000 $ 74,000 Fixed out-of-pocket operating costs $ 85,000 $106,000 $72,000 Sales revenues Depreciation expense The company's discount rate is 19%. Click here to view Exhibit 148-1 and Exhibit 14B-2, to determine the appropriate discount factor(s) using tables. Required: 1. Calculate each product's payback period. 2. Calculate each product's net present value. 3. Calculate each product's internal rate of return. 4. Calculate each product's profitability index. 5. Calculate each product's simple rate of return. 6a. For each measure, identify whether Product A or Product B is preferred. 6b. Based on the simple rate of return, which of the two products should Lou's division accept? 148-2 Present Value of an Annuity of $1 in Arrears; 11(+) All Bookmarks Periods aphe 4% 5% 1 0.962 6% 0.952 0.943 7% 8% 9% 10% 11% 2 1.886 1.859 1.833 3 amn 2.775 2.723 2.673 neck 4 3.630 3.546 3.465 S 4.452 4.329 4.212 g 6 5.242 5.076 4.917 4.767 Wri 7 6.002 5.786 5.582 8 6.733 6.463 6.210 5.971 9 7435 7.108 6.802 6.515 giar 10 8.111 7.722 7360 heck 11 8.760 8.306 12 9.385 8.863 8.384 7.943 7.536 13 9.986 9.394 8.853 ima 14 10.563 9.899 9.295 15 X nsla 16 17 8.358 7.904 8.745 8.244 11.118 10.380 9.712 9.108 8.559 11.652 10.838 10.106 9.447 8.851 9.122 18 CC 19 tatio nera 20 21 22 S 23 Bot acd 24 12.166 11.274 10.477 9.763 12.659 11.690 10.828 10.059 9.372 13.134 12.085 11.158 10.336 9.604 13.590 12.462 11.470 10.594 9.818 9.129 14.029 12.821 11.764 | 10.836 10.017 9.292 14.451 13.163 12.042 11.061 10.201 9442 14.857 13.489 12.303 | 11.272 10.371 9.580 15.247 13.799 12.550 11.469 10.529 8.649 8.772 9.707 8.883 8.985 25 88 26 27 pps ensi 28 15.622 14.094 12.783 11.654 10.675 9.823 15.983 14.375 13.003 11.826 10.810 9.929 16.330 14.643 13.211 11.987 10.935 10.027 9.237 16.663 14.898 13.406 12.137 11.051 10.116 9.307 9.077 9.161 0.935 0.926 0.917 0.909 12% 13% 14% 0.901 0.893 0.885 0.877 0.870 0.862 18% 19% 20% 21% 1.808 1.783 1.759 1.736 1.713 0.855 0.847 0.840 0.833 1.690 2.624 1.668 1.64 1.626 1.605 1585 0.826 0.820 0.313 0.306 0.800 2.577 2.531 2.487 2.444 2.402 2.361 2.322 2.283 2.246 2.210 2.174 2.140 2.106 2.074 2042 2011 1981 1952 1.566 1.547 1.528 1509 1.492 1.474 1.457 3.387 3.312 3.240 1440 3.170 3.102 3.037 4.100 2.974 2914 3.993 3.890 2.855 2.798 2.743 2.690 2.639 2.589 2.540 2.494 2.448 2.404 2.362 3.791 3.696 3.605 3517 3.433 4.623 3.352 3.274 3.199 3.127 3.058 2.991 2.926 2.864 2.803 2.745 2.689 4.486 4.355 4.231 4.111 3.998 5.389 5.206 5.033 4.868 4.712 4.564 4423 3.889 3.784 3.685 3.589 3.498 3.410 3.326 3.245 3.167 3.092 3.020 2951 4.288 4.160 4.039 3.922 3.812 3.706 3.605 5.747 5.535 5.335 5.146 4.968 4.799 3.508 3.416 3.327 3.242 3.161 4.639 4.487 6.247 5.995 5.759 4.344 4.207 4.078 3.954 3.837 3.726 3.619 3.518 3421 3329 5.537 5.328 5.132 7.024 6.710 6418 6.145 4.946 4.772 4.607 4.451 4.303 4.163 4.031 3.905 3.786 3.673 3.566 3.463 5.889 5.650 5426 5.216 5019 7.887 7.499 7.139 4.833 4.659 6.805 4.494 4.339 4.192 4.054 6495 6.207 5.938 5.687 5.453 5.234 3.923 3.799 3.682 3571 5.029 7.161 6814 4.836 4.656 4.486 4.327 4.177 4.035 6.492 6.194 5.918 5.660 5.421 5.197 3.902 3.776 3.656 7.487 7.103 6.750 6.424 6.122 5842 5.583 5.342 5.118 4.988 4.793 4.611 4.439 4.278 4.127 3.985 3.851 3.725 4.910 4.715 7.786 7.367 6.982 6.628 6.302 6.002 5.724 5.468 5.229 4.533 4362 4.203 4.053 3.912 3.780 8.061 7.606 7.191 5.008 4.802 4.611 4.432 4.265 4.108 3.962 3.824 6.811 6.462 6.142 5.847 5.575 5.324 5.092 4.876 4.675 8.313 7.824 7.379 6.974 4.489 4315 4.153 4001 3.859 6.604 6.265 5.954 5.668 5.405 5.162 4.938 8.544 8.022 4.730 4.536 4.357 4.189 7.549 7.120 6.729 6.373 6.047 5.749 5.475 5.222 4033 3.887 8.756 8.201 7.702 7.250 4.990 4.775 4576 4.391 4.219 4059 3910 6.840 6.467 6.128 5.818 5.534 5.273 5.033 4.812 4.608 8.950 8.365 7.839 7.366 4419 4.243 4080 3.928 6.938 6.550 6.198 5.877 5.584 5.316 5.070 8.514 7.963 4.843 4.635 4.442 4.263 4.097 3942 7469 7.025 6.623 6.259 5.929 5.628 5.353 5.101 8.075 7.562 7.102 6.687 6.312 5.973 5.665 5.384 5.127 4.891 4870 4.657 4.460 4.279 | 4110 | 3.954 4.476 4.292 4.121 3.963 8.176 7.645 7.170 6.743 6.359 6.011 5.696 5410 5.149 4.909 4.690 4.488 4.302 4.130 3.970 8.266 7,718 7.230 6.792 6.399 6.044 5.723 5.432 5.167 4.925 4.703 4.499 4.311 4.137 3.976 8.348 7.784 7.283 6.835 6434 6073 5.746 5.451 5.182 4.937 4.713 4.507 4.318 4.143 3.981 8.422 7.843 7.330 6.873 6.464 6.097 5.766 5.467 5.195 4.948 4.721 4.514 4.323 4.147 3.985 8.488 7.896 7372 6.906 6.491 6.118 5.783 5.480 5.206 4.956 4.728 4.520 4.328 4.151 3.988 8.548 7.943 7409 6.935 6.514 6.136 5.798 5.492 5.215 4964 4.734 4.524 4.332 4.154 3.990 8.602 7.984 7.441 6.961 6.534 6.152 5.810 5.502 5.223 4.970 4.739 4.528 4.335 4.157 3.992 15% 16% 17% 22% 23% 24% 25% 4,675 EXHIBIT 14B-1 Present Value of $1; (1+r)" phr Periods 4% 5% 6% 7% 8% 9% 10% 11% A 1 0.962 0.952 0.943 0.935 0.926 0.917 0.909 0.901 2 0.925 0.907 0.890 0.873 0.857 amn heck 0.842 0.826 0.812 3 0.889 0.864 0.840 0.816 0.794 0.772 0.751 0.731 4 L 5 0.822 0784 0.747 Wri 6 0.790 0.746 0.855 0.823 0.792 0.763 0.735 0.713 0.705 0.666 7 0.760 0.711 0.665 0.623 0.708 0.681 0.650 0.630 0.596 0.583 0.547 8 0.731 0.677 0.627 0.582 0.540 0.502 giar 9 0.703 0.645 0.592 0.544 0.500 0.460 heck 10 0.676 0.614 0.558 0.508 11 0.650 0.585 0.527 12 mal 13 14 15 ansla 16 0.534 17 0.513 0.198 " 18 0.494 0416 Stati 19 enera 20 21 22 0.422 0.150 0.123 0.138 0.112 0.091 0.074 Bo 23 macc 0.126 0.102 0.082 0.066 24 0.116 0.092 25 88 26 0.361 0.281 0.220 0.172 0.135 0.106 Apps 27 tens 0.347 0311 0.125 0.268 0.207 6.161 0255 0196 0.15 Love Loop 0.098 0.074 0.059 0,084 0.066 0.053 0.076 0.047 0.060 Loose Loose Loose Lama Laos 10.000 Lans 12% 13% 14% 15% 16% 17% 20% 19% 21% 22% 0.893 0.885 0.877 0.870 0.862 0.855 0.847 0.840 0.833 0.826 0.820 0.797 0.783 0.769 0.756 0.743 0.731 0.718 0.706 0.694 0.683 0.672 0.712 0.693 0.675 0.658 0.641 0624 0.609 0.593 0.579 0.564 0.551 0.537 0.524 0.512 0.683 0.659 0.636 0.613 0.592 0.572 0.552 0.534 0.516 0.499 0.482 0.467 0.451 0.437 0423 0410 0.621 0.593 0.567 0.543 0.519 0497 0.476 0456 0437 0.419 0.402 0386 0.370 0.355 0.341 0328 0.564 0.535 0.507 0480 0.456 0432 0.410 0.390 0.370 0.352 0.335 0319 0.303 0.289 0.275 0.262 0.513 0.482 0.452 0425 0.400 | 0.376 0.354 0.333 0314 0.296 0.279 0.263 0.249 0.235 0222 0.210 0.467 0.434 0404 0.376 0.351 0.327 0.305 0.285 0.266 0.249 0.233 0218 0.204 0.191 0.179 0.168 0424 0.391 0.361 0.333 0.308 0.284 0.263 0.243 0.225 0.209 0.194 0.180 0.167 0.155 0.144 0.134 0.463 0.422 0.386 0.352 0.322 0.295 0.270 0.247 0.227 0.208 0.191 0.176 0.162 0.149 0.137 0.126 0.116 0.107 0475 0.429 0.388 0.350 0317 0.287 0.261 0.237 0.215 0.195 0.178 0.162 0.148 0.135 0.123 0.112 0.103 0.094 0.086 0.625 0.557 0.497 0.444 0.397 0.356 0.319 0.286 0.257 0.231 0.208 0.187 0.168 0.152 0.137 0.124 0.112 0.102 0.092 0.083 0.076 0.069 0.601 0.530 0.469 0.415 0.368 0.326 0.290 0.258 0.229 0.204 0.182 0.163 0.145 0.130 0.116 0.104 0.093 0.084 0.075 0.068 0.061 0.055 0.577 0.505 0442 0.388 0.340 0.299 0.263 0.232 0.205 0.181 0.160 0.141 0.125 0.111 0.099 0.088 0.078 0.069 0.062 0.055 0.049 0.044 0.555 0.481 0417 0.362 0.315 0.275 0.239 0.209 0.183 0.160 0.140 0.123 0.108 0.095 0.084 0.074 0.065 0.057 0.051 0.045 0.040 0.035 0.458 0394 0.339 0.292 0.252 0.218 0.188) 0.163 0.141 0.123 0.107 0.093 0.081 0.071 0.062 0.054 0.047 0.042 0.036 0.032 0.028 0.436 0.371 0.270 0.231 0.317 0.052 0.045 0.170 0.039 0.146 0.125 0.108 0.093 0.080 0.069 0.060 0034 0.030 0.026 0.023 0.021 0.018 0.350 0.296 0.095 0.081 0.069 0.059 0.051 0.044 0.038 0.032 0.028 0.024 0.250 0.212 0.180 0.153 0.111 0.130 0.023 0.020 0.017 0.014 0.475 0.083 0.070 0.060 0.051 0.043 0.037 0.031 0.027 0.396 0.331 0.277 0.232 0.194 0.116 0.098 0.164 0.138 0.087 0.073 0.0611 0.026 0022 0.051 0.043 0.037 0.031 0.019 0.016 0.014 0.012 0.104 0.258 0.215 0.178 0.149 0.124 0.456 0.377 0.312 0.013 0.011 0.009 0.359 0.077 0.064 0.053 0.044 0.037 0.031 0.026 0.022 0.018 0.015 0.439 0.294 0.242 0.199 0.164 0.135 0.112 0.093 0015 0013 0.011 0.009 0.007 0.342 0.083 0.068 0.056 0.046 0.038 0.032 0.026 0.022 0.018 0.278 0.226 0.184 0.101 0.022 0.049 0.040 0.033 0.027 0.012 0.018 0.010 0.060 0.009 0.007 0.006 0.406 0.326 0.262 0211 0.170 0.007 0.006 0.005 0035 0.028 0.023 0.019 0.015 0.013 0.010 0.008 0.043 0.053 0.310 0.390 0.247 0.197 0.158 0.009 0.007 0006 0.005 0.004 0.047 0.030 0.024 0.020 | 0.016 0.013 0.010 0.038 0.375 0.295 0.233 0.184 0.146 0.003 0.005 0.004 0.017 0.014 0.011 0.009 0.007 0.006 0.042 0.033 0.026 0.021 0.006 0.005 0.004 0.003 0.002 0.037 0.029 0.023 0.018 0.014 0.011 0.009 0.007 Loans Loan Locog Lamps Loons Logo Loom Law En 18% 23% 24% 25% 0.813 0.806 0.800 0.661 0.650 0.640 0.015 spletion. Return to question Lou Barlow, a divisional manager for Sage Company, has an opportunity to manufacture and sell one of two new products for a five- year period. His annual pay raises are determined by his division's return on investment (ROI), which has exceeded 25% each of the last three years. He computed the following cost and revenue estimates for each product Initial investment: Cost of equipment (zero salvage value) Annual revenues and costs: Product A $370,000 Product B $530,000 $ 400,000 $510,000 Variable expenses $ 180,000 $ 250,000 $ 74,000 Fixed out-of-pocket operating costs $ 85,000 $106,000 $72,000 Sales revenues Depreciation expense The company's discount rate is 19%. Click here to view Exhibit 148-1 and Exhibit 14B-2, to determine the appropriate discount factor(s) using tables. Required: 1. Calculate each product's payback period. 2. Calculate each product's net present value. 3. Calculate each product's internal rate of return. 4. Calculate each product's profitability index. 5. Calculate each product's simple rate of return. 6a. For each measure, identify whether Product A or Product B is preferred. 6b. Based on the simple rate of return, which of the two products should Lou's division accept? 148-2 Present Value of an Annuity of $1 in Arrears; 11(+) All Bookmarks Periods aphe 4% 5% 1 0.962 6% 0.952 0.943 7% 8% 9% 10% 11% 2 1.886 1.859 1.833 3 amn 2.775 2.723 2.673 neck 4 3.630 3.546 3.465 S 4.452 4.329 4.212 g 6 5.242 5.076 4.917 4.767 Wri 7 6.002 5.786 5.582 8 6.733 6.463 6.210 5.971 9 7435 7.108 6.802 6.515 giar 10 8.111 7.722 7360 heck 11 8.760 8.306 12 9.385 8.863 8.384 7.943 7.536 13 9.986 9.394 8.853 ima 14 10.563 9.899 9.295 15 X nsla 16 17 8.358 7.904 8.745 8.244 11.118 10.380 9.712 9.108 8.559 11.652 10.838 10.106 9.447 8.851 9.122 18 CC 19 tatio nera 20 21 22 S 23 Bot acd 24 12.166 11.274 10.477 9.763 12.659 11.690 10.828 10.059 9.372 13.134 12.085 11.158 10.336 9.604 13.590 12.462 11.470 10.594 9.818 9.129 14.029 12.821 11.764 | 10.836 10.017 9.292 14.451 13.163 12.042 11.061 10.201 9442 14.857 13.489 12.303 | 11.272 10.371 9.580 15.247 13.799 12.550 11.469 10.529 8.649 8.772 9.707 8.883 8.985 25 88 26 27 pps ensi 28 15.622 14.094 12.783 11.654 10.675 9.823 15.983 14.375 13.003 11.826 10.810 9.929 16.330 14.643 13.211 11.987 10.935 10.027 9.237 16.663 14.898 13.406 12.137 11.051 10.116 9.307 9.077 9.161 0.935 0.926 0.917 0.909 12% 13% 14% 0.901 0.893 0.885 0.877 0.870 0.862 18% 19% 20% 21% 1.808 1.783 1.759 1.736 1.713 0.855 0.847 0.840 0.833 1.690 2.624 1.668 1.64 1.626 1.605 1585 0.826 0.820 0.313 0.306 0.800 2.577 2.531 2.487 2.444 2.402 2.361 2.322 2.283 2.246 2.210 2.174 2.140 2.106 2.074 2042 2011 1981 1952 1.566 1.547 1.528 1509 1.492 1.474 1.457 3.387 3.312 3.240 1440 3.170 3.102 3.037 4.100 2.974 2914 3.993 3.890 2.855 2.798 2.743 2.690 2.639 2.589 2.540 2.494 2.448 2.404 2.362 3.791 3.696 3.605 3517 3.433 4.623 3.352 3.274 3.199 3.127 3.058 2.991 2.926 2.864 2.803 2.745 2.689 4.486 4.355 4.231 4.111 3.998 5.389 5.206 5.033 4.868 4.712 4.564 4423 3.889 3.784 3.685 3.589 3.498 3.410 3.326 3.245 3.167 3.092 3.020 2951 4.288 4.160 4.039 3.922 3.812 3.706 3.605 5.747 5.535 5.335 5.146 4.968 4.799 3.508 3.416 3.327 3.242 3.161 4.639 4.487 6.247 5.995 5.759 4.344 4.207 4.078 3.954 3.837 3.726 3.619 3.518 3421 3329 5.537 5.328 5.132 7.024 6.710 6418 6.145 4.946 4.772 4.607 4.451 4.303 4.163 4.031 3.905 3.786 3.673 3.566 3.463 5.889 5.650 5426 5.216 5019 7.887 7.499 7.139 4.833 4.659 6.805 4.494 4.339 4.192 4.054 6495 6.207 5.938 5.687 5.453 5.234 3.923 3.799 3.682 3571 5.029 7.161 6814 4.836 4.656 4.486 4.327 4.177 4.035 6.492 6.194 5.918 5.660 5.421 5.197 3.902 3.776 3.656 7.487 7.103 6.750 6.424 6.122 5842 5.583 5.342 5.118 4.988 4.793 4.611 4.439 4.278 4.127 3.985 3.851 3.725 4.910 4.715 7.786 7.367 6.982 6.628 6.302 6.002 5.724 5.468 5.229 4.533 4362 4.203 4.053 3.912 3.780 8.061 7.606 7.191 5.008 4.802 4.611 4.432 4.265 4.108 3.962 3.824 6.811 6.462 6.142 5.847 5.575 5.324 5.092 4.876 4.675 8.313 7.824 7.379 6.974 4.489 4315 4.153 4001 3.859 6.604 6.265 5.954 5.668 5.405 5.162 4.938 8.544 8.022 4.730 4.536 4.357 4.189 7.549 7.120 6.729 6.373 6.047 5.749 5.475 5.222 4033 3.887 8.756 8.201 7.702 7.250 4.990 4.775 4576 4.391 4.219 4059 3910 6.840 6.467 6.128 5.818 5.534 5.273 5.033 4.812 4.608 8.950 8.365 7.839 7.366 4419 4.243 4080 3.928 6.938 6.550 6.198 5.877 5.584 5.316 5.070 8.514 7.963 4.843 4.635 4.442 4.263 4.097 3942 7469 7.025 6.623 6.259 5.929 5.628 5.353 5.101 8.075 7.562 7.102 6.687 6.312 5.973 5.665 5.384 5.127 4.891 4870 4.657 4.460 4.279 | 4110 | 3.954 4.476 4.292 4.121 3.963 8.176 7.645 7.170 6.743 6.359 6.011 5.696 5410 5.149 4.909 4.690 4.488 4.302 4.130 3.970 8.266 7,718 7.230 6.792 6.399 6.044 5.723 5.432 5.167 4.925 4.703 4.499 4.311 4.137 3.976 8.348 7.784 7.283 6.835 6434 6073 5.746 5.451 5.182 4.937 4.713 4.507 4.318 4.143 3.981 8.422 7.843 7.330 6.873 6.464 6.097 5.766 5.467 5.195 4.948 4.721 4.514 4.323 4.147 3.985 8.488 7.896 7372 6.906 6.491 6.118 5.783 5.480 5.206 4.956 4.728 4.520 4.328 4.151 3.988 8.548 7.943 7409 6.935 6.514 6.136 5.798 5.492 5.215 4964 4.734 4.524 4.332 4.154 3.990 8.602 7.984 7.441 6.961 6.534 6.152 5.810 5.502 5.223 4.970 4.739 4.528 4.335 4.157 3.992 15% 16% 17% 22% 23% 24% 25% 4,675 EXHIBIT 14B-1 Present Value of $1; (1+r)" phr Periods 4% 5% 6% 7% 8% 9% 10% 11% A 1 0.962 0.952 0.943 0.935 0.926 0.917 0.909 0.901 2 0.925 0.907 0.890 0.873 0.857 amn heck 0.842 0.826 0.812 3 0.889 0.864 0.840 0.816 0.794 0.772 0.751 0.731 4 L 5 0.822 0784 0.747 Wri 6 0.790 0.746 0.855 0.823 0.792 0.763 0.735 0.713 0.705 0.666 7 0.760 0.711 0.665 0.623 0.708 0.681 0.650 0.630 0.596 0.583 0.547 8 0.731 0.677 0.627 0.582 0.540 0.502 giar 9 0.703 0.645 0.592 0.544 0.500 0.460 heck 10 0.676 0.614 0.558 0.508 11 0.650 0.585 0.527 12 mal 13 14 15 ansla 16 0.534 17 0.513 0.198 " 18 0.494 0416 Stati 19 enera 20 21 22 0.422 0.150 0.123 0.138 0.112 0.091 0.074 Bo 23 macc 0.126 0.102 0.082 0.066 24 0.116 0.092 25 88 26 0.361 0.281 0.220 0.172 0.135 0.106 Apps 27 tens 0.347 0311 0.125 0.268 0.207 6.161 0255 0196 0.15 Love Loop 0.098 0.074 0.059 0,084 0.066 0.053 0.076 0.047 0.060 Loose Loose Loose Lama Laos 10.000 Lans 12% 13% 14% 15% 16% 17% 20% 19% 21% 22% 0.893 0.885 0.877 0.870 0.862 0.855 0.847 0.840 0.833 0.826 0.820 0.797 0.783 0.769 0.756 0.743 0.731 0.718 0.706 0.694 0.683 0.672 0.712 0.693 0.675 0.658 0.641 0624 0.609 0.593 0.579 0.564 0.551 0.537 0.524 0.512 0.683 0.659 0.636 0.613 0.592 0.572 0.552 0.534 0.516 0.499 0.482 0.467 0.451 0.437 0423 0410 0.621 0.593 0.567 0.543 0.519 0497 0.476 0456 0437 0.419 0.402 0386 0.370 0.355 0.341 0328 0.564 0.535 0.507 0480 0.456 0432 0.410 0.390 0.370 0.352 0.335 0319 0.303 0.289 0.275 0.262 0.513 0.482 0.452 0425 0.400 | 0.376 0.354 0.333 0314 0.296 0.279 0.263 0.249 0.235 0222 0.210 0.467 0.434 0404 0.376 0.351 0.327 0.305 0.285 0.266 0.249 0.233 0218 0.204 0.191 0.179 0.168 0424 0.391 0.361 0.333 0.308 0.284 0.263 0.243 0.225 0.209 0.194 0.180 0.167 0.155 0.144 0.134 0.463 0.422 0.386 0.352 0.322 0.295 0.270 0.247 0.227 0.208 0.191 0.176 0.162 0.149 0.137 0.126 0.116 0.107 0475 0.429 0.388 0.350 0317 0.287 0.261 0.237 0.215 0.195 0.178 0.162 0.148 0.135 0.123 0.112 0.103 0.094 0.086 0.625 0.557 0.497 0.444 0.397 0.356 0.319 0.286 0.257 0.231 0.208 0.187 0.168 0.152 0.137 0.124 0.112 0.102 0.092 0.083 0.076 0.069 0.601 0.530 0.469 0.415 0.368 0.326 0.290 0.258 0.229 0.204 0.182 0.163 0.145 0.130 0.116 0.104 0.093 0.084 0.075 0.068 0.061 0.055 0.577 0.505 0442 0.388 0.340 0.299 0.263 0.232 0.205 0.181 0.160 0.141 0.125 0.111 0.099 0.088 0.078 0.069 0.062 0.055 0.049 0.044 0.555 0.481 0417 0.362 0.315 0.275 0.239 0.209 0.183 0.160 0.140 0.123 0.108 0.095 0.084 0.074 0.065 0.057 0.051 0.045 0.040 0.035 0.458 0394 0.339 0.292 0.252 0.218 0.188) 0.163 0.141 0.123 0.107 0.093 0.081 0.071 0.062 0.054 0.047 0.042 0.036 0.032 0.028 0.436 0.371 0.270 0.231 0.317 0.052 0.045 0.170 0.039 0.146 0.125 0.108 0.093 0.080 0.069 0.060 0034 0.030 0.026 0.023 0.021 0.018 0.350 0.296 0.095 0.081 0.069 0.059 0.051 0.044 0.038 0.032 0.028 0.024 0.250 0.212 0.180 0.153 0.111 0.130 0.023 0.020 0.017 0.014 0.475 0.083 0.070 0.060 0.051 0.043 0.037 0.031 0.027 0.396 0.331 0.277 0.232 0.194 0.116 0.098 0.164 0.138 0.087 0.073 0.0611 0.026 0022 0.051 0.043 0.037 0.031 0.019 0.016 0.014 0.012 0.104 0.258 0.215 0.178 0.149 0.124 0.456 0.377 0.312 0.013 0.011 0.009 0.359 0.077 0.064 0.053 0.044 0.037 0.031 0.026 0.022 0.018 0.015 0.439 0.294 0.242 0.199 0.164 0.135 0.112 0.093 0015 0013 0.011 0.009 0.007 0.342 0.083 0.068 0.056 0.046 0.038 0.032 0.026 0.022 0.018 0.278 0.226 0.184 0.101 0.022 0.049 0.040 0.033 0.027 0.012 0.018 0.010 0.060 0.009 0.007 0.006 0.406 0.326 0.262 0211 0.170 0.007 0.006 0.005 0035 0.028 0.023 0.019 0.015 0.013 0.010 0.008 0.043 0.053 0.310 0.390 0.247 0.197 0.158 0.009 0.007 0006 0.005 0.004 0.047 0.030 0.024 0.020 | 0.016 0.013 0.010 0.038 0.375 0.295 0.233 0.184 0.146 0.003 0.005 0.004 0.017 0.014 0.011 0.009 0.007 0.006 0.042 0.033 0.026 0.021 0.006 0.005 0.004 0.003 0.002 0.037 0.029 0.023 0.018 0.014 0.011 0.009 0.007 Loans Loan Locog Lamps Loons Logo Loom Law En 18% 23% 24% 25% 0.813 0.806 0.800 0.661 0.650 0.640 0.015