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SAT / ACT Prep Online Guides and Tips. One of the best ways to prepare for media influence, the DBQ (the “document-based question” on the AP European History, AP US History, and AP World History exams) is to look over sample questions and example essays. Video Game Research Paper! This will help you to essay influence get a sense of what makes a good (and what makes a bad) DBQ response. That said, not all DBQ essay examples are created equal. Argumentative Essay On Cathedral Carver! I’ll briefly cover what makes a good DBQ example, then provide a list of example essays by children, course.

Lastly, I’ve provided some tips as how to best use sample essays in your own preparation process. Steven Spielberg Bibliographical! Without a doubt, the best sample resources come from the College Board. Media Children! This is because they are the ones who design and video game administer the media children AP exams. National! This means that: Any DBQ essay example that they provide will include a real DBQ prompt. All samples are real student responses from media children previous years, so you know that they were written under the same conditions you will be working under when you write your DBQ. Geographic! In other words, they're authentic! They not only have scores, they have explanations of media children each essay's score according to the terms of the geographic rubric. Each prompt includes several sample essays with a variety of scores.

However, there are some examples outside those available from the College Board that may be worth looking at, particularly if they highlight how a particular essay could be improved. Media! But in on cathedral, general, a superior example will: Include the essay media children prompt and documents. It will be much easier for geographic essay, you to essay media children see how the montaign essays information from the documents is integrated into the essay if you can actually look at the documents. Have a score. Seems simple, but you'd be surprised how many DBQ examples out there in the uncharted internet don't have one. Essay Children! Without a real, official score, it's hard to by raymond carver gauge how trustworthy a sample actually is. With that in mind, I have below compiled lists by essay children, exam of video paper high-quality example DBQs. Don't spend all your study time sharpening your pencil. Every DBQ Example Essay You Could Ever Need, by children, Exam.

Here are your example essays! We'll start with AP US History, then move to AP European History, and finally wrap up with AP World History. Steven Spielberg! AP US History: Official College Board Examples. Essay Media Influence Children! Because of the recent test redesign, the essays College Board has only essay media children, posted sample responses from 2016 and 2015. Essays! This means there are only essay influence children, two official College Board set of sample essays that use the current rubric. Look here for geographic essay, the free-response questions from 2015 and the ones from influence children 2016 with no analysis (so you can look at montaign essays, the question separately from the scoring guidelines). Media Influence! When you're ready for paper on artificial intelligence ppt, the sample responses, here are the essay media DBQ samples from 2015 and the samples from 2016. If you want to montaign essays see additional sample sets, you can also look at essay influence children, older College Board US History DBQ example response sets , all the way back to paper 2003.

To look at these questions, click “Free-Response Questions” for essay children, a given year. Game Paper! For the media children corresponding DBQ examples and scoring guidelines, click “Sample Responses Q1.” Note that these use the essays old rubric (which is integrated into media, the Scoring Guidelines for a given free-response section). General comments about the contest college quality of the media essay, outside information, and document analysis still apply, but the score is on a nine-point scale instead of the thesis statement new seven-point scale, and influence some of the particulars will be different. Older DBQs had up to 12 documents, while the new format will have six-seven documents. Game Research! If you do look at children, older DBQ examples, I recommend using the new rubric to “re-grade” the research intelligence essays in the sample according to the new seven-scale score. I'll also give more advice on essay media how to college students use all of these samples in your prep later on.

Mr. Bald Eagle is an media AP US History DBQ Grader in statement advantages using, his spare time. AP European History: Official College Board Examples. Unfortunately, sample resources for the AP Euro DBQ are a little sparse than for media children, the other essays, because this past year (2016) was the statement internet first year the test was administered in essay influence children, the new format. Game Research! This means that there is essay influence, only one set of official samples graded with the video game paper current seven-point rubric. The rest of the existing available samples were graded in essay media, the old, nine-point format instead of the intelligence ppt seven-point format implemented this past year. In the old format there were six “core” points and children then three additional points possible. Intelligence Ppt! The old rubric is integrated with the media influence children sample responses for essay contest students, each question, but I’ll highlight some key differences between the old and new formats: In the essay media children old format, you are given a brief “historical background” section before the documents. There are more documents—up to research paper intelligence ppt twelve. The new format will have 6-7. There is an essay influence emphasis on steven spielberg bibliographical “grouping” the media documents that is not present in the new rubric.

There is also an explicit emphasis on correctly interpreting the documents that is argumentative carver, not found in the new rubric. Influence! The essential components of the montaign essays DBQ are still the influence children same between the two formats, although you should definitely look at research paper intelligence, the new rubric if you look at any of the old AP European History samples. Media Influence Children! You may actually find it useful to national geographic essay look at media influence children, the old essays and geographic score them according to the new rubric. Influence! Samples by year: You can get samples in essays, the old format all the essay media way back to 2003 from the College Board . (Click “Free-Response Questions” for the questions and “Sample Responses Q1” for the samples.) If you want to check out some additional DBQ sample responses that were graded by the College Board with the new rubric, look at the 2015 AP US History samples and argumentative essay carver the 2016 AP US history samples . The content will of course be different, but the structure and scoring are the essay influence same as they will be for the AP Euro 2016 test. AP European History: Unofficial Samples. Because of the essays rubric revision, other European History-specific samples are also in essay media, the old format.

This means there’s not much to be gained by looking outside the College Board’s extensive archives. However, the New York State Regents exam also has a DBQ on it. Spielberg! The format is not identical and influence children it is essay contest, scored out of media influence children 5 under a different rubric, but I do like this European-History themed example from Regents Prep because it has highlighted sections that show where the documents are used versus where outside information is referenced. This will give you a good visual of montaign essays how you might integrate outside information with the media children analysis of essays your documents. Consider how you might integrate this castle into the DBQ that is your life. Essay Influence Children! AP World History: Official College Board Examples.

The World History AP exam has just been transitioned to statement a new format to essay media influence more resemble AP US History and AP European History for argumentative essay on cathedral by raymond carver, the 2017 test. This means that all currently available samples were graded in essay, the old, nine-point format instead of the seven-point format to be implemented this year. In the steven essay old format there were seven “core” points and then two additional points possible. Essay! The old rubric is integrated with the research paper on artificial ppt sample responses for media influence, each question, but I’ll highlight some key differences between the old and new formats: There are more documents—up to ten. Adulthood! The new format will have 6-7. Influence! There is an emphasis on essay on cathedral carver “grouping” the documents on influence the old rubric that is essay contest college, not present in children, the new rubric. There is argumentative on cathedral by raymond, also an explicit emphasis on children correctly interpreting the documents that is not found in the new rubric. Steven Essay! In the essay media children old rubric, you need to identify one additional document that would aid in your analysis. The new rubric does not have this requirement. Adulthood! The essential components of the DBQ are still the media influence children same between the research intelligence ppt two formats, although you should definitely look at media influence, the new rubric if you look at paper, any of the influence children old AP World History samples.

You may actually find it useful to look at essays, the old essays and score them according to the new rubric. Essay Influence! For whatever reason the game paper questions and the samples with scoring notes are completely separate documents for media, World History, so you’ll need to research paper on artificial intelligence click separate links to get the question and documents and media children then the essay students responses. Essay Media Children! If you want to take a look at some DBQs that have been graded with the new rubric, you could check out the essay 2015 and 2016 samples from influence children AP US History and the 2016 samples from game paper AP European History. The historical content is essay influence, different, but this will give you an spielberg bibliographical idea of how the new rubric is essay media influence children, implemented. Don't worry, the old format isn't as old as this guy right here.

How Should I Use DBQ Examples to Prepare? So, now that you have all of these examples, what should you do with them? I'll go over college, some tips as to how you can use example DBQs in children, your own studying, including when to start using them and steven how many you should plan to essay media influence children review. College Board sample essay sets are a great way to research paper on artificial test how well you understand the rubric . Children! This is adulthood essays, why I recommend that you grade a sample set early on in your study process—maybe even before you've written a practice DBQ. Then, when you compare the scores you gave to essay media the scores and scoring notes for game research, the samples, you'll have a good idea of what parts of the essay influence rubric you don't really understand . If there are points that you are consistently awarding differently than the adulthood essays graders, you’ll know those are skills to work on. Keep giving points for the thesis and then finding out the essay media sample didn't get those points? You'll know that you need to work on your thesis skills. Not giving points for historical context and then finding out the AP Grader gave full credit? You need to spielberg bibliographical work on influence children recognizing what constitutes historical context according to the AP.

You can check out my tips on bibliographical building specific rubric-based skills in my article on how to write a DBQ. Once you've worked on essay media some of argumentative essay on cathedral those rubric skills that you are weaker on, like evaluating a good thesis or identifying document groups, grade another sample set. This way you can see how your ability to grade the essays like an AP grader improves over time! Obviously, grading sample exams is a much more difficult proposition when you are looking at essay media influence, examples in an old format (e.g. Essays! AP European History or AP World History samples).

The old scores as awarded by the College Board will be helpful in essay, establishing a ballpark—obviously a 9 is still going to steven bibliographical essay be a good essay under the 7-point scale—but there may be some modest differences in essay, grades between the spielberg bibliographical two scales. (Maybe that perfect 9 is now a 6 out of 7 due to rubric changes.) For practice grading with old samples, you might want to essay children pull out two copies of the new rubric, recruit a trusted study buddy or academic advisor (or even two study buddies!), and essay students each re-grade the children samples. Thesis Statement Advantages Using Internet! Then, you can discuss any major differences in the grades you awarded. Having multiple sets of influence children eyes will help you see if the video scores you are giving are reasonable, since you won’t have an official seven-point College Board score for comparison. Essay Media Influence! How Many Example DBQs Should I Be Using? The answer to by raymond this question depends on your study plans!

If it's six months before the media children exam and national geographic essay you plan on essay media children transforming yourself into steven spielberg essay, a hard diamond of media influence DBQ excellence, you might complete some practice grading on video research a sample set every few weeks to media influence a month to steven spielberg check in on essay media children your progress towards thinking like an AP grader. In this case you would probably use six to national geographic essay nine College Board sample sets. Essay! If, on the other hand, the exam is in a month and spielberg bibliographical essay you are just trying to get in some skill-polishing, you might do a sample set every week to media influence 10 days. It makes sense to check in on adulthood your skills more often when you have less time to study, because you want to be extra-sure that you are focusing your time on the skills that need the most work. So for a short time frame, expect to use somewhere in influence children, the range of essays three to four range College Board sample sets. Either way, you should be integrating your sample essay grading with skills practice, and essay children doing some practice DBQ writing of your own . Argumentative On Cathedral Carver! Towards the end of your study time you could even integrate DBQ writing practice with sample grading. Essay Influence! Read and adulthood essays complete a timed prompt, then grade the essay media influence sample set for that prompt, including yours!

The other essays will help give you a sense of what score your essay might have gotten that year and bibliographical any areas you may have overlooked. There's no one-size-fits-all approach to using sample sets, but in essay influence children, general they are a useful tool for statement, making sure you have a good idea what the DBQ graders will be looking for when you write your DBQ. Hey, where can we find a good DBQ around here? Example DBQ essays are a valuable resource in influence children, your arsenal of study strategies for the AP History exams. Grading samples carefully will help you get a sense of your own blind spots so you know what skills to focus on game in your own prep. That said, sample essays are most useful when integrated with your own targeted skills preparation. Media! Grading a hundred sample essays won't help you if you aren't practicing your skills; you will just keep making the same mistakes over and over again. And make sure you aren't using sample essays to essay on cathedral avoid actually writing practice DBQs--you'll want to essay media influence children do at least a couple even if you only montaign essays, have a month to practice. There you have it, folks.

With this list of DBQ examples and essay media influence children tips on essays how to essay children use them, you are all prepared to montaign essays integrate samples into your study strategy! Still not sure what a DBQ is? Check out my explanation of the essay influence children DBQ. Essay On Cathedral Carver! Want tips on essay media influence children how to really dig in and study? I have a complete how-to guide on video game research paper preparing and writing the DBQ (coming soon). Essay Media Influence! If you're still studying for AP World History, check out our Best AP World History Study Guide or get more practice tests from argumentative essay on cathedral carver our complete list. Essay Influence! Want more material for AP US History? Look into adulthood, this article on the best notes to essay media children use for video, studying from media influence one of our experts. Also check out montaign essays her review of the best AP US History textbooks!

Want to essay media influence improve your SAT score by 160 points or your ACT score by essay college students, 4 points? We've written a guide for each test about the media children top 5 strategies you must be using to research paper have a shot at media influence children, improving your score. Essay! Download it for free now: Have friends who also need help with test prep? Share this article! Ellen has extensive education mentorship experience and is deeply committed to helping students succeed in media children, all areas of montaign essays life. She received a BA from influence Harvard in Folklore and Mythology and is currently pursuing graduate studies at spielberg bibliographical essay, Columbia University. You should definitely follow us on social media. You'll get updates on our latest articles right on children your feed. Montaign Essays! Follow us on media children all 3 of our social networks: Have any questions about essays, this article or other topics? Ask below and media children we'll reply!

Series: How to Get 800 on Each SAT Section: Series: How to montaign essays Get to 600 on essay Each SAT Section: Series: How to Get 36 on Each ACT Section: Our hand-selected experts help you in thesis statement advantages using, a variety of other topics! Looking for media, Graduate School Test Prep? Check out our top-rated graduate blogs here: Get the latest articles and montaign essays test prep tips! © PrepScholar 2013-2015. All rights reserved. SAT® is a registered trademark of the essay College Entrance Examination Board TM . Montaign Essays! The College Entrance Examination.

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100 Cause and Effect Essay Topics. VirginiaLynne has been a University English instructor for over 20 years. She specializes in helping people write essays faster and easier. Examine why something has happened or exists. Speculate about what caused the situation. Examine the results of an event, choice, or situation. Trace the start of a situation to a discussion of its results.

Here's how you can use the following topic ideas to write an essay: Reword the question to essay media influence children, fit your assignment. Use a question for your topic idea helps keep you organized. Use the question for your title or put it right before your topic sentence. Thesis Advantages Using! The answer to the question is your thesis. Simple! What causes divorce? What is the effect of divorce on children?

Does the age of the child make a difference? How does the divorce of parents affect the dating and marriage relationships of essay media influence children their children? What is the effect of long distance on relationships? How does living together before being married affect a relationship? What causes men to be afraid of commitment?

What effect has the feminist movement had on montaign essays, men's and media children, women's views of dating? What causes some women to repeatedly get involved in destructive relationships? What effect does having an abortion have on a dating relationship? What causes children to rebel against their parents? What effect has social media had on family relationships? What causes sibling rivalry? What effect does birth order have on essay contest students, personality (or career)? What effect does a happy and fulfilling marriage have on a person's health? Does going to influence children, college cause people to montaign essays, have better marriages? What is the effect of essay influence children grandparents raising a child?

What causes teenagers to montaign essays, become sexually active? How does a girl's relationship with her dad affect her relationship with other men? What is the effect of growing up in a single-parent household? What is the effect of being a twin? What the effect has China's one child had on family relationships? How will the media influence, new two child policy change family dynamics? What are the national essay, effects on influence children, children when their parents are very wealthy or very famous? What causes parents to over-schedule their children's activities? (Or what is the effect of over-scheduling on the child?) What causes a family to argumentative essay on cathedral carver, have close relationships? What is the effect of family vacations on family relationships?

Why are more children poor than any other group? What causes poverty in essay media influence the U.S.? What are the thesis statement, effects of growing up in poverty? What causes homelessness? What effect does growing up with food insecurity have on children? What has caused the increase in international adoption in media Western countries? What is the effect on children (or adults) of watching news reports of natural disasters, terrorist strikes, sexual predators, and other fearful situations? What effect do non-profit organizations (perhaps pick a particular one) have on social problems?

What is the effect of more baby boomers reaching retirement age? What is the cause of men still out-earning women in wages? What is the effect? What is the montaign essays, effect of religious oppression on a society (perhaps pick a particular country or religion)? What are the causes of poor water quality for many people around the world? What is the effect of people not having shoes to wear? What are the effects of inadequate sanitation on a community? What is the cause (or effect) of continued discrimination and racism? What causes people with disabilities to be unable to get jobs?

What is the essay influence children, effect on children of essay by raymond growing up in media influence poverty? What has caused the dramatic rise in overweight and obese adults in the U.S. in the last ten years? What will be the effects of this rise in research paper on artificial intelligence ppt obesity on essay children, the healthcare system? What causes the video game paper, increasing number of children affected by Autistic Spectrum Disorder? What effect does lack of adequate medical insurance have on media influence, an individual's health?

What causes people to game, not go to the doctor when they have medical problems? What effect does not finishing a prescription medication have on future health? What is the cause (or the effect) of essay media influence people not getting their children vaccinated? What causes the spread of HIV/AIDS in Africa? What is the argumentative essay by raymond carver, effect of climate change on essay influence children, infectious medical diseases? What is the effect of globalization on the spread of disease?

What causes some diseases like malaria or HIV to be so difficult to eradicate? What effect does stress have on health? What effect has cancer research had on stopping cancer deaths? What causes people to get cancer? What causes pancreatic cancer to be so deadly? What has caused cancer to be so difficult to cure? What causes people to montaign essays, seek non-Western medical cures like traditional Chinese medicine or herbal supplements? What is the effect of abortion(s) on a woman's subsequent reproductive health? What effect does birth control have on children, women? What effect do regular dental check-ups have on oral health?

What causes people to go blind? What causes people to develop allergies? What effect does an increased use of technology have on health? What causes cardiovascular disease? What effect does exercise have on the body? What causes people to montaign essays, make healthy living choices? What causes so many healthcare providers to essay media, be overweight?

What are the social effects of having braces on teeth? What effect does cell phone use have on teenagers? What causes families to buy unlimited cell phone plans? What are the effects of violent video games on argumentative on cathedral carver, young children or teenagers? What effects does playing video games cause in the brains of elderly people?

Does online shopping cause people to spend more money? What effect does social media have on teen relationships? What are the causes (or effects) of cyber bullying? What causes social media sites to lose popularity? What are the effects of picture and video-based social media sites like Snapchat or Instagram on teenage social interaction? What causes a video game to be popular? What effect does moving away from essay media influence children, computers and towards tablets and smartphones have on how we browse the video game, Internet? What effect does typing on influence, a screen rather than a keyboard have on how people communicate? What causes Google to montaign essays, be the most popular search engine?

What are the social effects of everyone on the planet having cell phones? How have smartphones affected business practices? How does standardized testing affect student dropout rates? What effect does being labeled gifted and talented have on media influence, students? What effect does being identified as having dyslexia or ADHD have on a child? What causes students to think school is boring? Does using technology like iPads or smartboards in classrooms cause students to learn better? What is the effect on learning when students do most of advantages using internet their work reading from a computer or tablet rather than paper and books? What are the children, effects of homeschooling on children? (Or what are the social effects?) What effect have magnet or charter schools had on the educational system in your town or state?

How do school programs against video game research, bullying affect the actual bullying and fears of students? Do single-sex classrooms cause students to learn better? What are the positive and negative effects of having school uniforms? What is the media children, effect of having an open high school campus? What is the effect on the education of students when a district has year-round schooling? What causes teachers to burn out? What causes some schools to argumentative on cathedral carver, fail to essay media influence, educate students? What causes American students to lag behind students from other countries on international tests? What effect do fine arts have on students? What effect does a good physical education program have on elementary school students? What effect do longer school days have on a school's educational outcomes?

What effect does parent involvement in schools have on education? What caused the Civil War? What are the continuing effects of slavery on American society? What was the cause of the national essay, increasing interest in feminism in the 1960s and 1970s? How were WWII veterans affected by their wartime experiences? What effect did WWII have on the Jewish people? What effect did Christianity have on the Roman empire?

What caused the Arab Spring? What are the effects of the Arab Spring? What effect has the GI Bill, which educates soldiers, had on universities in the U.S.? What was the effect of colonialism on Britain's view of itself? What were the causes and effects of colonialism? In the viewpoint of the British, what were the causes and effects of the essay media influence children, American Revolution?

What causes the drug wars in Colombia? What causes illegal immigration? What are the effects of thesis statement advantages internet immigration on a country (pick any country)? What is the effect of online sales on businesses (in any country)? What was the effect of the printing press (or other invention) on world history? What are the effects of globalization on the position of women? What are the essay media influence children, effects of American drone attacks on geographic, terrorists and civilians?

What was the cause of the destruction of the World Trade Center on media children, 9/11? What is the cause of increased militancy on on artificial, the part of North Korea? How to Write a Great Topic Sentence. by Virginia Kearney 37. by Josh Wilmoth 0. How to Write Cause and Effect Essays. by Virginia Kearney 5. Essay Children! How to Write a Summary, Analysis, and Response Essay Paper With Examples. by Virginia Kearney 55. 100 Current Events Research Paper Topics with Research Links. by Virginia Kearney 16. 100 Argument or Position Essay Topics with Sample Essays. by Virginia Kearney 37. This was great for me because I had to write an essay about some kind of topic with a cause and an effect and this website gave me some really good ideas, Thank You!

Virginia Kearney 3 months ago from United States. Sophia--I'm so glad that this helped you. I especially enjoy teaching Chinese students. I have traveled in contest college China four different times and influence children, love your country very much! I am a Chinese student and I think your sharing did help me a lot. Montaign Essays! Thank you ! this is a great sight for essay media influence my informational reading and writing class its good. Hi thanks for helping me. these topics are really good.. Essay On Cathedral! i used some of influence these topics for my projects and got great marks.. i got A+ in all my projects , i am in 7th grade. hubber8893 18 months ago. Thesis Statement Advantages Using Internet! I think you have presented some great Ideas for hub about relationships.

Hugh Johnson 18 months ago. These topics had a BIG impact on my life. Essay Influence Children! Thanks for your LARGE ammount of tips. Video Game Research! These topics really helped me for school. Ruby 18 months ago from United States. Creative idea for a hub, what was your case and effect for making it lol. WOW this is super great to essay media influence, look up stuff for an assignment. Awesome topics thanks a million.

Dwight Goliday Jr 23 months ago from East Saint Louis. Wow. Montaign Essays! There are a lot things that cause and effect. Very informative write. Virginia Kearney 23 months ago from essay children, United States. Thanks Zakeycia and YoLex. My students have come up with most of these topics through the paper, years and now this is my most visited article so they must have done a good job! I think it got over 2000 views one day last week!

This is awesome I wish I'd found this hub before I graduated college lol! Great work! Zakeycia Dickens 23 months ago. I have a cause and influence, effect essay to type for my English class. I was having a hard time coming up with a topic. Your website and topic suggestions were very helpful. Thank you. Rasheedah Abdul-Hakeem 2 years ago. Montaign Essays! Thanks.

Great topics. Children! James Packard 2 years ago from Columbia, Missouri. Intelligence! What a great hub! Debatable issues (especially political, social, environmental and behavioural) are great hub topics. They are good to write about to do research and essay media influence, clear up one's own viewpoint, but they also get people talking, and also spark very needed discussion. Thanks for essay sharing.

Liza Treadwell Esq aka Liza Lugo JD 2 years ago from New York, NY. I love this one, VirginiaLynne. Your hubs are so valuable to students and professional writers. Essay Media! Cause and effect papers are among the most interesting to read. Statement Internet! I voted this hub up, useful, and essay media children, interesting. I am bookmarking this hub for future reference. I know I'll be using it!

Keep up the excellent work here. Marilyn L Davis 2 years ago from Georgia. Good afternoon, Virginia; excellent examples for research ppt all categories. Well done. Virginia Kearney 2 years ago from United States. Virginia Kearney 2 years ago from United States. Hi Gertrude--These two words are ones that are often confused.

Affect also means to produce an effect upon media influence children, as well as to influence. I will double check my usage in this Hub just to make sure I haven't made an error. Argumentative On Cathedral By Raymond! Thanks! Gertrude McFuzz 2 years ago. These are great topics. I just have one comment. Sometimes you use effect when you should use affect. affect = influence - usually a verb. Media Influence Children! effect= result - usually a noun. effect= cause - not used that often - verb. Shamim Rajabali 3 years ago from research intelligence ppt, Texas. This will come in handy for my English class. Thanks. I Love it very much. rakesh ranjana 3 years ago.

Social causes are growing up in lot more ways, knowing it and influence, having a knowledge about it through this site, will help a lot in many ways for people to understand there relationship and social problems. Great hub! I like your ideas, it is something different innovative. Vote up! Thanks! This is helpful. Vote up. Virginia Kearney 3 years ago from United States. Sumnerswett--I teach MLA format because that is used by research most American colleges in their English departments. However, you are very right to point out that APA and Chicago and other formats are used in media influence different types of courses. I think considering cause and effect is sometimes a bit confusing because it depends on research paper intelligence ppt, where you view the essay, start of the situation.

Often a cause creates an effect, which causes another situation. Sometimes it is hard to pull them apart. That is why I usually like to call this a speculating about causes essay, because we can't always definitively determine the contest, absolute cause, but we can always speculate and argue for the most important causes, or the most important effects that we see in a situation. Essay Media Children! Sumner Swett 3 years ago from Owls Head Maine. Okay so cause and effect essays are written in different formats, but let me say in my college profession for the essays to be written were to be in APA format, and it is interesting when researching and writing whether it is from information you have researched or if it free lance. I like to geographic, research topics before writing and also note taking is effective. The cause is what causes the situation and essay influence, the effect is what you have to take into consideration to the cause as we all know it. Kimberly Lake 3 years ago from California. Great topics! Voted up and shared.

Virginia Kearney 3 years ago from thesis, United States. Leidy--That is a great essay topic. I think that some of that labeling can be positive and other aspects are negative. Media Influence Children! It can encourage students to believe that they are capable, but it can discourage them by making them think that they don't need to work hard, or that if they don't achieve a high grade on everything, they have failed. Seth Tomko 3 years ago from Macon, GA. A good and diverse collection of topics. Research Paper On Artificial Intelligence! I'll be sure to have my students check out some of these for their own essays.

Annie Miller 4 years ago from Wichita Falls, Texas. Very interesting and in depth Hub. I am passing this along and essay children, saving it, as well! Chris Achilleos 4 years ago. Great hub Virginia, I have written these types of essays before, and I have found the information that you have presented here to be excellent. Montaign Essays! Thank you for sharing. Voted up and useful! Virginia Kearney 4 years ago from United States. Essay Media Influence Children! Thanks so much Carol!

You are always an encouragement. Argumentative Essay On Cathedral By Raymond Carver! carol stanley 4 years ago from Arizona. This is something to save when trying to media influence, come up with new writing ideas. Great hub. Going to pass this along and of course vote up. Copyright 2017 HubPages Inc. and respective owners. Other product and company names shown may be trademarks of their respective owners. Statement Advantages Using! HubPages ® is a registered Service Mark of HubPages, Inc. HubPages and influence, Hubbers (authors) may earn revenue on research intelligence, this page based on affiliate relationships and advertisements with partners including Amazon, Google, and others.

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Contemporary Issue on Chit Funds -#8220;The Invincible#8221; An contemporary issue report on CHIT FUNDS “THE INVICIBLE” 2013-2014 Made by : Fakhruddin Badshah PREFACE This document sketches the media influence the meaning, introduction, overview,its working,online chit funds, I threw some light on latest news about this sector and montaign essays also tried to cover the latest upsteram and media influence children downsteam aspects of this sector (chit fund companies). My aim of thesis using writing on this issue is who will going to stop the children fraudulant activities being done by advantages using internet this companies. I chose this segemnt for my contemporay because this is influence, going very common among the people in today’s time. So I thought lets give away the the detail of this segment to the people. With the help of this document people will come to know what exactly going on national in this domain. This sector is expanding rapidly like anything. This developments has become a catalyst for the growth of vigourous chit fund companies in all over India. So what provisions should be made to curb the alleged false practices done by these companies or segment. Thus it is the to essay media influence children think and act on it to protect the interest of small investors and their hard earned incomes.

Index Introduction| 5-7| Overview of chit fund| 8| How chit fund works| 9-11| 2012-2013 Highlighted News about chit-fund| 12-13| Who will stop chit funds? | 14-18| Report of MCA| 18-21| Benefits| 21-22| Drawbacks| 23| Safety from Chit funds| 24| CHIT FUNDS – “The Invincible” Introduction: A chit fund is a type of savings scheme practiced in research paper on artificial ppt, India, besides other forms of savings scheme offered by various public and private sector banks, post offices, insurance corporations etc. Chit Funds are indigenous financial institutions in India that cater to the financial needs of the essay media low-income households, which have been excluded from the formal financial system. National Geographic? Chit”, in the legal purview, means a transaction whether called chit, chit fund, chitty, kuri or by any other name by or under which a person enters into an agreement with a specified number of essay children persons that every one of them shall subscribe a certain sum of essay by raymond carver money (or a certain quantity of grain instead in the case of villages) by essay influence children way of periodical installments over a definite period and that each such subscriber shall, in his turn, as determined by montaign essays lot or by auction or by tender or in essay, such other manner as may be specified in the chit agreement, be entitled to the prize amount. ROSCAs are a means to “save and borrow” simultaneously. It is geographic, considered one of the best instruments to cater to the needs of the poor. It enables poor people to convert their small savings into lump sums. The concept of chit funds originated more than 1000 years ago. Initially it was in essay media children, the form of an informal association of essay on cathedral by raymond traders and households within communities, wherein the members contributed some money in return for influence children an accumulated sum at the end of the tenure.

Participation in Chit funds was mainly for advantages using internet the purpose of purchasing some property or, in other words, for “consumption” purposes. However, in recent times, there have been tremendous alterations in the constitution and functioning of Chit funds. While in most places ROSCAs are user-owned and organized informally, in India, chit funds have been formally institutionalized as well. Essay? Legally recognized firms provide a variety of chit schemes. A Chit Fund can either be legally registered or unregistered. Registered Chit Funds, as the name suggests are being regulated under the various Chit Fund acts. While unregistered Chit Funds are unorganized and mostly run by the close friends, relatives or family members of the investor. Unregistered Chit Funds which exceed 100 ($2) in value are illegal in India, although it is very well known that unregistered Chit Fund industry is very popular in India, mainly in the rural and semi-urban area, where people have very little access to the banking services and where financial illiteracy is montaign essays, more.

The regulation of the Chit Fund industry was put in place by the Government of India to address the influence problem of misuse of informal Chit Funds by unscrupulous promoters and founders running away with the participant’s funds, leaving the members with little recourse to retrieve their money back. Chit funds in India are governed by geographic various state or central laws. Essay Media Influence Children? Organized chit fund schemes are required to register with the Registrar or Firms, Societies and Chits. Thesis Statement Advantages? Various Chit Fund Acts governing the essay children industry in India are as under: * Union Government – Chit Funds Act 1982 (Except the State of Jammu and Kashmir) * Kerala – Kerala Chitties Act 1975 * Tamil Nadu – Tamil Nadu Chit Funds Act, 1961 * Karnataka: The Chit Funds (Karnataka) Rules, 1983 * Andhra Pradesh – The Andhra Pradesh Chit Funds Act, 1971 * New Delhi- The Chit Funds Act,1982 and Delhi Chit Funds Rules, 2007 * Maharashtra – Maharashtra Chit Fund Act 1975 Uttar Pradesh: Uttar Pradesh Chit Funds Act, 1975 * Goa, Daman Diu: The Goa, Daman and Diu Chit Funds Act, 1973 * Pudducherry/Pondicherry: The Pondicherry Chit Funds Act, 1966. On Cathedral Carver? An overview of chit funds: The economic development of children a country depends upon argumentative on cathedral by raymond carver the availability of resources.

The main activities that contribute to essay influence the growth are production and employment. Production depends upon the inputs of the factors such as finance, raw materials, labor etc. The most important here bring finance, which is the chief mobilized of all the factors of production. In a money economy, finance for video research paper development initially comes from private savings. These private savings give to essay media the secondary deposits; this is where the financial institutions come into picture. Financial institutions occupy a central place in mobilizing savings from the people and make it available to the trade, commerce and essay contest students industries either as a capital or loans.

The non banking sector comprises of money lenders, indigenous bankers, pawn brokers, nidhis, “chit funds” etc. The origin of media chit funds can be traced way back to the 17th century when the economic wizards of state of Malabar (now known as the state of Kerala) started this activity. Those were the people who actually founded this financial institution. It became so popular and numerous that people started adopting this activity as a profession by the 18th century all over. As the chit industry grew the number of people involved in this industry also grew. This gave rise to many misconceptions, frauds, mismanagement etc. , in this industry. To prevent this State Government of research paper intelligence ppt Travancore took the essay influence first initiative and introduced the first Chit Fund Regulation being the thesis internet Chit Fund Act 1914. One important regulation introduced by this act was that of a commission payable to children the foreman. The Act brought about a ceiling limit on the commission payable to the foreman that is 5% maximum which is still the same even to this date. How chit funds works: Chit funds which are popular from a very long time but still some people don’t know how exactly this chit fund works and invest their money illogically.

This can be understood by the following procedure: Let’s say there are 20 people who come together and form a group. Each one will contribute Rs 1,000 per month and this will continue for argumentative essay by raymond next 20 months (equal to number of people in the group). In this group there will be one organizer, who will take the pain of fixing the meetings, collecting money from each other and then doing other procedures. So each month all these 20 people will meet on a particular day and deposit Rs 1,000 each. That will make a total of Rs 20,000 every month. Now there will be a bid on who will take this money.

Naturally there will be few people who are in need of big amount because of some reason like some big expenses, liquidity crunch, business problem, Beti ki Shaadi etc etc Out of all the people who are in need of essay media money, someone will bid the lowest amount, depending on how desperate he is for this money. The person who bids for the lowest amount wins the bid. Suppose out of total 3 people who bid for 18,000, 17,000 and Rs 16,000, the one who bids the thesis statement using internet lowest will win. In this case it’s the person who has bid Rs 16,000. There will also be “organizer charges” which are around 5% (standard) of the total amount, so in children, this case its 5% of Rs 20,000, which is Rs 1,000. Research? So out essay media influence children of the total 16,000 which this winner was going to get, Rs 1,000 will be deducted and the winner will get only contest college, Rs 15,000, Rs 1,000 will be organizer charges and Rs 4,000 is the profit, which will be shared by essay influence each and contest students every member (all 20 people), it comes out to be Rs 200 per essay media influence children person, and it will be given back to all 20 members. So here you can see that the main winner took a big loss because of his desperate need of getting the money and montaign essays others benefitted by it. So each person actually paid just 800, not 1,000 in this case (they got 200 back). Note that when a person takes the money after bidding, he can’t bid from next time, only 19 people will be eligible for bidding.

Now next month the same thing happens and suppose the essay best bid was Rs 18,000 , then winner will get 17,000 (after deducting the organizer fees) and the rest 2,000 will be divided back to people (Rs 100 each) . On Artificial? So each person is paying effectively Rs 900. This way each month all the people contribute the essay influence children money, someone takes the money by montaign essays bidding lowest, organizer gets his charges and the rest money is divided back to members. You will realize that the person who takes the money at the end will get all the money except organizer fee, as there is no one else to bid now. So the person will get around Rs 19,000 in essay influence, the end, if you try to find out the returns which he got out of the whole deal, it will depend on two things, how much lower bids were each month and the fees paid to thesis using internet organizer, if bids and charges are very low, then a person will make more money at the cost of other situations. So this is influence children, pretty much how a chit fund works, there are various versions of chit funds and how they work , but the idea was to communicate the research on artificial basic model and how it works. | Online Chit Funds is also running with pace of E-commerce With the advent of ecommerce in India, Chit funds have also started going online. Essay Media Influence? Online chit funds conduct auctions online and subscribers can pay their monthly dues and receive prize amount online through online transactions including electronic fund transfers. Each member will have an online account through which they can manage their chit funds. 2012-2013 Highlighted News about national geographic essay chit-fund: . Cunning strict approaches adopted by RBI to protect the investors from delusive acts of chit fund companies.

2. Last year in the month of December, The Reserve Bank of India (RBI) warned all the state governments about the mushrooming of influence children chit funds and also written to them to take appropriate actions against them for students duping depositors. 3. RBI Governor Duvvuri Subbarao said, “The responsibility for essay media children checking the chit funds and for prosecuting the violation of law is of the state government. We have written to all the college state governments to be vigilant about media influence children this and to take appropriate action”. Video Game Research? . D Subbarao also called for greater awareness among police and the general public for checking the proliferation of the chit funds in the country. 5. Media? On 6th December 2012, Minister of State for Corporate Affairs RPN Singh said that 87 companies have come under the scanner for alleged irregularities related to essay contest college chit fund schemes and money circulation in the garb of multi-level marketing. The Registrar of Companies (RoC) and its Regional Directors have been asked to scrutinize the balance sheets and inspect the books of media influence accounts and other records of these 87 companies. . India’s market regulator, Securities and Exchange Board of India (Sebi) had banned companies such as Rose Valley and MPS Greenery Developers from paper accepting deposits from the public.

7. Influence? The former chief minister also pointed it out that small savings through post offices and essay college co-operatives has suffered a lot as many people are depositing their money to these chit funds expecting huge return. 8. In Bhubneshwar, The crime branch told that they are making a short documentary to sensitize people about essay media influence illegal non-banking financial companies (NBFCs). The film will feature a host of financial management companies like Seashore, Ashore and Saffex, whose irregularities were exposed recently. The Economic offences wing (EOW) of the Crime Branch has registered at least 30 cases against several fraud companies in the past six months for embezzling public deposits after giving them false promise of high return. Senior functionaries (Head) of the companies were arrested and their bank accounts being ceased.

9. EOW also making plan to thesis advantages using start a toll free number to essay media children protect people from fraudulent activities done by chit fund companies. 10. Government making steps towards the essay contest students projection of model; rules to check chit fund and MLM (Multi-level Marketing) frauds. The central government will soon make stringent provisions in place, like hefty financial penalty, jail terms, de-listing from the essay media influence children registrar of companies (RoC) roster, among others. Paper On Artificial? Who will stop chit funds?? In October 2012, a women and essay media influence children her elder daughter were running a chit fund, committed suicide by consuming acid in Puthur in Trichy as they were unable to repay their investors. National Geographic Essay? These women had started a Diwali chit fund in the year 2011 and attracted around 300 investors in the area. They had collected around `9lakh from the investors. As per media influence children norms, the chit fund company should have repaid the money with interest or given assured gifts to the investors before Diwali of the year 2012.

When the investors pressurize the women, they decided to end their lives and consumed poison. Investors are helpless. This is not the only case there are numerous. Advantages Internet? Most chit fund investors are the rural poor and or small investors. Neither the victimized investors nor the police bring to media children book the persons responsible. Only the poor agents remain in place from whom the money cannot be recovered.

According to Ministry of Corporate Affairs (MCA), there are 4256 listed or registered chit fund companies which are running their business in the country while India chit-fund association estimates that the country has in total 15000 (registered and unregistered) companies which manage billions of rupees worth of funds. ShriRam Capital, one of the thesis internet largest players, operates in four southern states and manages over USD 800 million. Some hope that recent hiccups in essay, India’s once-booming microfinance sector, whose rise was led by microcredit, could bring even more business their way. One can imagine how big the business is all over India. Video Game Research Paper? Too many regulators could not stop irregularities in chit funds. Everybody agrees that irregularities need to essay be stopped because these are causing harm to a lot of small investors. Research Paper On Artificial Intelligence Ppt? But the question is; who will stop it? In 1978, when the influence children RBI banned chit funds, it came under the thesis internet ministry of corporate affairs as a collective investment scheme. Another way these companies work is through private placement of the non-convertible debentures or collective investment scheme.

In this case, SEBI has the power to influence children regulate it. Sahara and many other big names are in on thesis advantages using it. Any debenture or private placement cannot be done by more than 50 people. In contrast, these kinds of companies collect money from thousands of investors. If the number of investors of share and essay media children debenture is more than 50, it needs to be registered in the market and the SEBI would control it. RBI wants the students state government to take steps: In this context, RBI has a different take. Children? Subbarao, Governor, RBI, has advised the college students state governments to make their law stronger to save common investors from the essay chit fund trap. It has written letters to the states to develop a definite action plan to take step against national these multi levels marketing player. Subbarao explained that RBI has no power to regulate chit funds.

So, it has asked state government to take the media influence children initiative to prevent the mushrooming of money market agencies. RBI can train police and other legal bodies about chit funds but cannot instruct the police to do so. It is a state subject to plan and executes the prevention process of chit funds. Corporate Affairs ministry looking into it: Union corporate Affairs Minister Sachin Pilot has said that the central government is looking into the issue of some chit funds and the Ponzi scheme that allegedly dupe small investors by using legal loopholes. It would also encourage state government to take necessary action against these firms. Montaign Essays? These firms are now misusing the media influence children loopholes, pilot added.

Furthermore he added, “Our main objective is to protect small investors from these companies, who are taking their (investors) hard earned money. ” As many as 87 companies have come under the scanner for alleged irregularities related to chit fund schemes and money circulations. Minister of State for corporate Affairs R. Statement Using Internet? P. Media Influence Children? N. Singh has informed the Rajya Sabha that the directions have been issued on the basis of specific complaints received by the ministry against these companies, which are “alleged to be carrying on activities related to prize chit fund and argumentative essay on cathedral by raymond carver money circulation in essay, the garb of multi-level marketing. Legislative hodgepodge: Singh further said that SFIO (Serious Fraud Investigation Office) has recommended setting up of a specific central regulatory agency for the implementation of the prize chit and money circulation scheme (Banning) act, 1978. The act is administered by the Department of Financial services (DFS) which has constituted an Inter-Ministerial Group consisting of thesis advantages using representatives from DFS, Ministry of Corporate Affairs (MCA), RBI, Security and Exchange Board of India (SEBI), Department of children Consumer Affairs and Central. Report of Ministry of essay Corporate Affairs: List of Companies not registered but found doing Chit Business Beware of these Companies. Never join them. M/s. P. V. R. Chits (P) Ltd. Essay Influence Children? , B-50, Flatted Factories, Okhla Phase-III, N. Delhi-20. | M/s.

Narmal Chits (P) Ltd. Video Research? , 1427, Gurudwara Road, Kotla Mubarakpur,N. Delhi-3. | M/s. Media Influence Children? Sahara Chits (P) Ltd. , WZ/A-49, Krishna Park Extension, N. Delhi-18. | M/s. Twenty Second Century Chit Fund (P) Ltd. , 4205-4206, Sant Nagar, Main Road, Rani Bagh, Delhi-34. | M/s. Montaign Essays? Skylla Chits (P) Ltd. , D-223/115, Laxmi Chambers, Laxmi Nagar, Delhi-92. Essay? | M/s. Hari Vimal Chits (P) Ltd. , Shop No. 8, M. R. Market, Rangpuri, N. Delhi-70. | M/s. Merchant Chits (P) Ltd. , CA-24/2, Tagore Garden, N. Delhi-27. | M/s. Using Internet? Mehar Chits (P) Ltd. , IIIrd Floor, 528, Krishna Gali, Katra Neel, Chandni Chowk, Delhi-6| M/s. Media Children? Vinamar Chits (P) Ltd. , 170-E, Kamla Nagar, Delhi-7. | M/s. Vinamar Chits (P) Ltd. , 272, Hakikat Nagar, Mall Road, Delhi-9. Statement Advantages Internet? | M/s.

Well King Chits (P) Ltd. , C-47, Acharya Niketan, Mayur Vihar, Phase-I,Delhi-91. | M/s. Aegis Chit Fund (P) Ltd. , E-484, Greater Kailash-II, New Delhi-48. | List of Companies which have been debarred from influence children doing any Chit Fund business in paper on artificial intelligence ppt, Delhi NAME| ADDRESS| A. G. CHIT FUND PVT. LTD. | | ARJIT CHITS PVT. LTD. | | BHAGMAL CHITS PVT. LTD. | | CHOJI PRITAM CHITS PVT. LTD. Media Influence? | | DISHTI CHIT FUND PVT. LTD. | DIRECTOR: Sh. Ajay Pandon| DISHTI CHIT FUND PVT.

LTD. | DIRECTOR: Sh. On Cathedral By Raymond Carver? Sudarshan Kapoor| EK-ONKAAR CHIT FUND PVT. LTD. | | EROS FIN. ; CHIT FUND PVT. LTD. Essay Media Influence? | | GIRDHAR CHITS PVT. LTD. | | GOLDEN BENEFIT CHITS PVT. LTD. | | J. KRISHNA CHIT FUND PVT. LTD. | | J. V. CHITS PVT. LTD. | | KADS CHIT FUND PVT.

LTD. | | KHAJANA CHITSPVT. LTD. | | LEAN CHITS PVT. National Geographic Essay? LTD. | | MINCO CHITS PVT. LTD. | | NIKETAN CHIT FUND PVT. LTD. | | PARVATI CHIT FUND PVT. LTD. | | PARVEEN CHIT FUND PVT. Media Influence Children? LTD. | | POMA CHIT FUND PVT. LTD. | | PROSPER CHIT FUND PVT. LTD. | | RITESH CHIT FUND PVT. LTD. | | ROHTGI CHIT FUND PVT.

LTD. | | ROYAL CHIT FUND PVT. LTD. | | RUHANI CHIT FUND PVT. LTD. | | S. T. S. CHIT FUND PVT. LTD. | | SAFAL CHIT FUND PVT. LTD. | | SATSANGI CHIT FUND PVT. LTD. | | SIMPLICITY CHIT FUND PVT.

LTD. | | SUBHASH NAGAR CHIT FUND PVT. LTD. | | TRI NAGAR CHIT FUND PVT. Research Paper On Artificial Intelligence Ppt? LTD. | | VEDANTA CHIT FUND PVT. LTD. | | YOG MAYA CHIT FUND PVT. LTD. | | PARVARISH LEASING ; FIN. (P) LTD| Shop No.

6, Mafare Garden, New Delhi| M. V. A. CHIT FUND (P) LTD. | Shop No. 10, Krishna Mkt. ,Lajpat Nagar,N. Delhi. | HONOUR CHITS (P) LTD. | 2352, Sevak Bhawan,IIIrd Floor, Shop No. 9,Beadon Pura,Karol Bagh, N. Delhi. | * Source Ministry of corporate Affairs. Benefits of Chit funds: Chit Fund is an attractive Investment Option which caters to people from all walks of essay media influence life. It is specifically beneficial to the Salaried Class, Professionals, Businessmen and Self Employed.

The uniqueness of Chit Fund as a method of Financial Planning stems from the fact that, it is both a tool for saving and borrowing. In other words, it serves the dual purpose of being an investment for your savings and in argumentative essay by raymond, times of essay need the Subscriber can bid for the Prize Amount in order to meet any unexpected expenditure. The benefits of Investing in Chit Fund are numerous. You can choose how much you want to save per month. Chit funds companies offers chits of various denominations and research paper intelligence ppt monthly subscriptions amount ranges from Rs 2500/=(Chit value Rs 1 lakh) to monthly subscription of influence Rs 1,25,000. * The rate of return is very high compared to other Investment Options and it is also secure form of Investment. * Your Monthly payments will be the Chit Subscription Amount minus the Dividend. The details of the Dividend entitled for Deduction and the Balance Amount payable shall be informed every month, which is mandatory.

It inculcates the essay habit of saving and media influence setting apart a particular amount every month towards investment for a rainy day. Video Game? * It is good for influence the Housewife to keep or save their small savings in Chit funds as they will get the money at the time of national essay utmost financial need for household purposes. * It is generally used by essay media influence children housewives, employees of same company, peer groups, friends, and montaign essays family members or some associations. Children? * If it is used in proper or genuine way then it is makes a worth to invest in national geographic essay, chit funds (Organized or unorganized). Essay Media Influence? Drawbacks: Chit-funds do not offer any pre-determined or fixed returns. * Higher returns are earned when there are more number of members in the group or if the duration of the scheme is longer. * One would earn more, when more members need emergency funds. Thus returns cannot be calculated and decided when one joins the scheme. Essay On Cathedral By Raymond? * No security in unregistered chit fund companies. So there are more chances of getting hoax by these fraud companies. * Organizer gets benefited more from your savings. * No guarantee if fixed returns. * In chits interest earnings are lower than Fixed deposits (FD). High degree of risk is associated with chits, so relying on influence children chit funds for saving could be more dangerous. * Chit does not make money; it is research paper, just a mechanism for liquidity and emergency funds. * Many chit fund owners are collecting huge volume of money from the essay media influence common people by making false promises to them. Many poor people of our state are being allured by essay these chit fund owners and depositing their hard-earned money. But the essay children people are not getting back returns for their investments How to be a Safe investor in Chit Funds: With the plethora of chit fund companies around, the safety of contest a chit fund lies in choosing the essay influence right one. In a registered chit fund company, under legal binding, the activities are regulated and video research paper institutionalized by the Chit Fund Act. And hence could be considered safe.

However, other unregistered companies operating informally do exist. It has been also seen that depositors are being lured by chit funds companies or firms with higher returns than what banks offer them. Essay Media Children? These companies are also flourishing in the rural belts where banking penetration is low. One should carefully analyze the pros and cons before making investment in chit funds. Therefore one needs to exercise caution while choosing where he desires to invest. Chit funds definitely are an attractive option for regular saving.

It inculcates a disciplined approach to financial planning. It has the added advantage of bringing a combination of savings as well as hassle free borrowing. This dual purpose investment tool could be a friend in need at times of statement using internet unexpected financial emergencies. Thence BE SAFE AND BE SELECTIVE while going for media children any chit fund schemes. Haven’t found what you want? 12-22 Newhall St, Birmingham B3 3AS, UK [emailprotected] Hi there, would you like to get such a paper? How about receiving a customized one?

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