The potential for your monthly living expenses to increase and the fact that your money is not being invested are both _____.
disadvantages to renting
disadvantages to buying a home
advantages to buying
advantages to renting

Answers

Answer 1
disadvantages to renting because buying is an investment the money is not being invested
Answer 2

Answer:

your monthly living expenses increasing and your money not being invested are both disadvantages to renting

Explanation:

Renting a house has a disadvantage because in renting a house your rent aren't fixed and can mostly likely be hiked monthly or even yearly and this contributes to increase in your living expenses without giving you any form of returns on investment. unlike with buying a home where you can claim deductions for mortgage interest and property taxes when you file your tax returns renting a home doesn't give you such


Related Questions

how are national debt and deficit related?
a. a deficit is the money the government owes the states.
b. a deficit is the sum of national debts.
c. the national debt is an accumulation of deficits.
d. the national debt is the sum of state deficits.,

Answers

The national debt and deficit is related in the aspect that the national debt is an accumulation of the deficits. Deficits are the excess of the government's expenses over the government's revenues or receipts. To cover up for these deficits, the government would need to incur a national debt for the sustainability of the country. 

Since Rhonda always pays her bills on time, she has a high credit score. This history of responsible payments will...

A. help her if she wants to get a loan for a new car
B. hurt her chances of getting a loan for a large purchase
C. likely cause her future loan interest rates to be higher
D. likely result in a poor rating from the credit bureaus,

Answers

A. it will help Rhonda to get approved for a loan. on time payments show a financial responsibility to a lender and increase their trustworthiness of the individual.

Which of the following forms of business organization is likely to suffer most from the principal agent problem between the owners and managers of the business:
A. Partnerships
B. Corporations
C. Proprietorships
D. All are equally likely to suffer from the principal-agent problem

PLEASE HELP! thank you!,

Answers

The form of business organization which is likely to suffer most from the principal agent problem between the owners and managers of the business is the corporation. It is a group of people authorized to act as one entity that is recognized by the law.

The total amount of ticket sales for an event is called the ______________.

Answers

The gate receipt is the term used to describe the total amount of ticket sales for any given event.
Hello :)

The answer is Gate Receipt 

4. Suppose you have two credit cards. The first has a balance of $410 and a credit limit of $1,000. The second has a balance of $510 and a credit limit of $1,000. What is your overall credit utilization?
36%
26%
16%
46%
56%

Answers

I think the answer is 36% sorry if I'm wrong!

Answer is 46%.

Following are the calculations

Both cards have credit limits of $1000

First car has a balance of $410

So 1st card utilization is 410/1000= 0.41*100= 41%

2nd card balance is $510

So 2nd card utilization is 510/1000= 0.51= 51%

So total utilization of cards is (41% + 51%) / 2 = 46%

The senior accountants at spicedam have a disagreement with each other about the calculation of the company's annual budget because of their different industry experiences. however, they are willing to have a rational discussion and arrive at the optimal solution. in this scenario, the conflict among the senior accountants at spicedam best exemplifies _____.

Answers

The c – type conflict is the one being best exemplified by the conflict among the senior accountants at Spicedam. C – Type of conflict is characterized as the conflict between people because of their difference in expertise or knowledge in different industries. This is also characterized by the willingness of the people in conflict to settle their differences.


NEED HELP ASAP!!!!!! 8 POINTS!!!!Explain five guidelines to follow when shopping from home.

Answers

1) Use desposable cards A.K.A prepaid cards
2) Choose credit cards instead of debit card
3) Never shop online in public
4) Verify if website is safe and secure to use
5) Don't safe any personal information

Use a desposable card also known as a prepaid card. Prepaid cards are like gift cards. You may add or take out money as you wish and are safe to use. 


When using a card, always use credit cards. Credit cards are much safer to use and will always ask for indentificantion information and your personal pin.

Always shop online a home and not in public. You may know who uses your device at home. When shopping in public places like Libraries or cafes, ect. You have no control on who uses those devices and if the device is secure. Another person might be able to use your personal information. 

Verify if website is secure. If the website is not secure and does not have a lock in the top left corner, then the website is NOT secure. There might be hackers which will steal your information and the website was not made for proper use. 

Do not save any information such as safe your credit card number and/or pin. It might be dangerous and a trap to steal your information.




Answer:

Use desposable cards A.K.A prepaid cards.

Choose credit cards instead of debit card.

Never shop online in public.

Verify if website is safe and secure to use.

Don't safe any personal information.

Explanation:

At the beginning of the day, stock XYZ opened at $4.25. At the end of the day, it closed at $5.25. What is the rate of change of stock XYZ?

A. 23.5%
B. 19.0%
C. -19.0%
D. -23.5%

Answers

Answer:

23.5

Explanation:

Just did the test

At the beginning of the day, stock XYZ opened at $4.25. At the end of the day, it closed at $5.25. The rate of change of stock XYZ is 23.5%. The correct option is (A).

What is rate of change in stock?

By subtracting the price of a security at time B from the price of the same security at time A and dividing the result by the price at time A, the price rate of change can be calculated.

The indicator is a technical analysis tool that measures unbounded velocity versus a zero-level middle.

The calculation for percentage change is 100 divided by (New Price - Old Price). If the stock price has increased, the percentage change will be positive; if the stock price has decreased, it will be negative.

Therefore, at the beginning of the day, stock XYZ opened at $4.25. At the end of the day, it closed at $5.25. The rate of change of stock XYZ is 23.5%.

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The adversarial system is said to have developed from the trial by ordeal wherein disputes were settled by having the parties fight each other. the winner was presumed to have "truth" on his side. in a sense, swords were used to oppose testimony. today, ______ has taken the place of swords to challenge testimony.

Answers

The correct answer is cross-examination. Cross examination is being defined as an interrogation in which being asked to a witness that is being called out by the opponent in which this is being preceded by the direct examination which is followed by a redirect examination.

The so-called "daisy spot" created by tony schwartz in 1964 was considered a success because it played a major role in a political advertising campaign to discredit the campaign's frontrunner. this commercial was only aired once but was highly suggestive, insinuating that republican presidential candidate barry goldwater was willing to __________.

Answers

Barry Goldwater is willing to get the U.S. involved with the nuclear warfare. Barry Goldwater is known to be an American politician and a businessman of which he had a five term of being a senator in the united states from Arizona.

You ordered items on sale for $78.90. the regular price for the items was $100.50. if the shipping is the same for both orders and the sales tax is 6 1/2%, how much did you save by buying on sale?

Answers

Answer:

$23.00

Explanation:

100.50 + 6.5% = $107.03

78.90 + 6.5% = $84.03

107.03 - 84.03 = $23.00 saved

Good luck !

The amount saved through buying on sale is $23.00.

What is Sale?

Sales are actions that include selling or the amount of things sold in a specific time period. A sale also includes the provision of a service for a fee.

A sale is completed by the seller, or the supplier of the products or services, in response to an acquisition, appropriation, request, or direct engagement with the customer at the point of sale. There is a transfer of title of the object, as well as a price settlement, in which agreement is achieved on a price for which ownership of the item will be transferred.

The seller, not the purchaser, normally performs the transaction, which may be completed prior to the payment requirement.

According to the given question, purchased goods on sale for $78.90 The goods' usual price was $100.50. If the delivery cost for both orders is the same and the sales tax is 6 1/2%,

The amount saved through buying on sale is computed as follows:-

Total price with sales tax = 100.50 + 6.5% =

                          $107.03

Amount paid with tax = 78.90 + 6.5%

                                  = $84.03

Saved amount = 107.03 - 84.03

                       = $23.00

Therefore, it can be concluded that The amount saved through buying on sale is $23.00.

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An all-in-one security appliance is best suited for which type of implementation

Answers

If there is no on-site technician an all-in-one security appliance is best suited for this type of implementation.  Watching out for spam and filtering it into a different category in your e-mail box is an example of all-in-one security. 

At the end of a sprint a product backlog item worked on during the sprint does not meet the definition of "done". what two things should happen with the undone product backlog item?

Answers

The following are the two things should happen with the undone Product Backlog items at the end of a Sprint:


1. The item in the Increment this Sprint should not be included

2.  Put the undone product backlog items on the Product Backlog for the Product owner to decide what to do with it






At the end of a sprint a product backlog item worked on during the sprint does not meet the definition of "done". The two things that should happen with the undone product backlog item include

Items not completed in a sprint should be returned to the product backlog. The return is necessary for re-prioritization by the product owner.  “No partial credit” is the thumb rule when dealing with partially completed work in most agile methods. Undone work may ends up in the technical department because of its complexity.

When teams meet up with all acceptance criteria for the backlog item, there is no need for the product owner to split the item and give partial credit to the part done. The product items must be updated so as to make the work done on them to be transparent.

Simply put, unfinished/undone product is returned back on the product backlog and the backlog is re-ordered by the product owner. Though, unfinished items end up at the top but not always. Items should not be resized to represent only the undone jobs that remain. Do not divide the story to indicate items that was worked on or items that was not worked on.

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KEYWORDS:

product backlog product owner partial credit backlog sprint

Flavio, ceo of fabulous frozen custard believes that alternate plans are almost as important as the primary operational plans because external circumstances such as the weather, competitor moves, and even economic conditions make it important to have a plan
b. flavio endorses:

Answers

The fact that Flavio believes that alternate plans are almost as important as the primary operational  means that Flavio endorses contingency planning. 
Contingency plans provide alternative courses of action for use if the organization's primary plans fail to achieve their intended results.

The correct answer is that Flavio endorses the use of contingency planning.

Contingency planning is a strategy that involves developing alternative plans to address potential future situations that may affect the operation of a business. This approach is particularly important for managing risks associated with unpredictable events such as weather, competitor actions, and economic fluctuations. By having a plan B, a company can respond quickly and effectively to unexpected changes, minimizing disruptions and maintaining continuity of operations. Flavio's belief in the importance of alternate plans aligns with the principles of contingency planning. This type of planning allows Fabulous Frozen Custard to be agile and resilient in the face of external challenges. It ensures that the company is prepared for various scenarios and can adapt its strategies accordingly to sustain its competitive edge and ensure long-term success.

 In summary, contingency planning is crucial for businesses like Fabulous Frozen Custard to navigate the uncertainties of the external environment. It provides a structured approach to managing risks and ensures that the company can continue to operate smoothly even when the primary operational plans are disrupted."

A representative who is performing the role of a trustee is __________.

Answers

Acting on conscience or representing the broad interests of the entire society.

Hope this helps !

Photon
Final answer:

A representative acting as a trustee uses their own judgment to make decisions, rather than simply reflecting the direct wishes of their constituents. They are trusted due to their expertise to understand and confront issues in the best interests of the people.

Explanation:

A representative who is performing the role of a trustee is expected to use their own best judgment to make decisions on behalf of the constituents they represent. Unlike the delegate model, where representatives are expected to exactly mirror the preferences of their constituents, the trustee model of representation assumes that a representative is not only a mouthpiece but also an actor with the autonomy to think and evaluate issues independently. These trustees, due to their experience and expertise, are trusted to understand the prevalent issues better and to make decisions that they believe are in the best interests of the people, even if those decisions are not popular or directly reflecting the popular opinion.

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Kyla is a first-time entrepreneur. She started a small business a few months ago. She encounters small problems on a daily basis. However, Kyla is very quick to take corrective actions. As a responsible entrepreneur, she is highly________?

Answers

She is highly nimble (or flexible, adaptable, or other synonyms thereof, depending on whether there are exact choices). Having various small problems each day requires one to be able to solve them quickly (before they pile up), and to be able to move from one problem to the next without spending too much time thinking of one problem.

Answer:

energetic.

Explanation:

On Edmentum, the Entrepreneurship course says:

"Energetic: Entrepreneurs face many problems in the day-to-day operations of a business. However, good entrepreneurs tend to be highly active and energetic in their approach to solve problems and take corrective actions."

I'm so sorry this is late :,)

Employees who are paid a portion of the profit from the sale of a product or service are paid on a(n) _____ basis. salary commission hourly contract

Answers

Final answer:

Employees who are paid a portion of the profit from the sale of a product or service are paid on a commission basis, which differs from salary, hourly, or contract payment methods.

Explanation:

Employees who are paid a portion of the profit from the sale of a product or service are paid on a commission basis. This method is different from a fixed salary, hourly wages, or a contract payment structure.

For example, if an employee is working under a commission basis and the sale of a product or service generates a significant profit, the employee's income will increase in accordance with their sales performance. This payment structure is common in sales positions and industries where employees' efforts can directly influence the revenue generated by the business.

Answer:

commission

Explanation:

Employees who are paid a portion of the profit from the sale of a product or service are paid on a commission basis.

Your gross pay on your paycheck is $400. your deductions are as follows: federal income tax - $50.00 state income tax - $20.00 social security tax - $7.00 medicare tax - $3.50 please calculate your net pay (in dollars). question 2 options:

Answers

your net pay would be $480.50

Answer

The net pay be $319.5 .

Explanation:

As given

Your gross pay on your paycheck is $400.

Deductions are as follows:

Federal income tax - $50.00 , state income tax - $20.00, social security tax - 7.00 , medicare tax - $3.50

Total amount of deduction = Federal income tax + State income tax + Social security tax + Medicare tax

Putting the values in the above

Total amount of deduction =  $50 +  $20 + $7 + $3.50

                                            = $80.5

Net pay = Gross pay on pay check - Total amount of deduction

              = $400 - $80.5

              = $ 319.5

Therefore the net pay be $319.5 .

Air bags are usually located in the steering wheel and __________.

Answers

inside the dashboard.

Airbags are usually located in the steering wheel and the dashboard or instrument panel of a vehicle. These locations are strategically chosen to provide protection to the driver and front-seat passengers in the event of a collision.

The dashboard, also known as the instrument panel, is a component located in front of the driver and typically houses various controls, indicators, and gauges. It provides important information about the vehicle's performance, such as speed, fuel level, engine temperature, and warning lights.

In the context of airbags, the dashboard is a common location for airbag placement to provide protection to the front-seat passengers during a collision.

The dashboard's position allows for rapid deployment and cushioning to mitigate the impact forces and reduce the risk of injury in a crash scenario.

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someone please help me!? :(

Which of these is a sign of inflation?

A. A negative number for the Consumer Price Index shows prices are falling.

B. A negative number for the Consumer Price Index shows prices are rising.

C. A positive number for the Consumer Price Index shows prices are falling.

D. A positive number for the Consumer Price Index shows prices are rising.


The U.S. government wants to restrict Nation A's access to weapons-making materials. Which of the following actions will it most likely take?

A. Establish a free-trade zone with Nation A

B.Impose t

Answers

Inflation means that the prices are rapidly rising that is why there are many people who cannot actually buy the goods. So the answer for number 1 is D. A positive number for the Consumer Price Index shows prices are rising. 

For number 2, the answer is  C. institute an embargo on trade in certain items in nation A. The U.S government wants does not want to allow the nations A's access to weapons.

A typical grace period for many credit card issuers is

Answers

A grace period, in terms of a credit card, is the amount of days you have to pay your balance without paying the finance, or interest charge. Most companies have a 21 day grace period from you bill posting to when the payments must be paid in full. 

Answer:

20 - 25 days

Explanation:

I just had this question

In which account are postage stamps classified?

a. cash.

b. office supplies.

c. receivables.

d. inventory?

Answers

The answer to this is D

Having a well-ordered day is not very important for you. Agree or disagree with this trying to get a job don't know what's the best answer

Answers

I disagree because if your not well ordered than you might left something that you need and you might lose time to get everything ready and you have to wear good clothes to make the people who is going to hire you agree that you will do perfect for the job.

The answer is: Agree

In the job interview, this type of question is used to measure whether you are an organized person or not.

Organized person tend to like their days to be well-ordered so they can keep up with their schedule. If you answer disagree it would indicates that you do not plan your activities properly and this behavior is seen as unfavorable by most employers.

________ is the active buying and selling of the domestic currency against foreign currencies.

Answers

The answer is "Direct interventions".

Interventions are either direct or indirect. Direct interventions refers to active purchasing and offering of local cash against outside foreign currencies. In the event that the objective were to expand estimation of local cash then they would BUY its own money utilizing its foreign trade holds. 

The percentage of the u.s. federal government's debt owned by foreign entities went – from – in 1990 to – in 2013. it is important to remember, however, that foreign supply in the loanable funds market helps keep interest rates –, which benefits domestic –. it is also worth noting that demand for u.s. treasuries is a sign that other economies beside the united states's are –.

Answers

The words that comes in the blanks are "up; 14%; 33%; down; borrowers; prospering".

The percentage of the u.s. federal government's debt owned by foreign entities went  "up" from "14%" in 1990 to "33%" in 2013. it is important to remember, however, that foreign supply in the loanable funds market helps keep interest rates "down", which benefits domestic "borrowers". it is also worth noting that demand for u.s. treasuries is a sign that other economies beside the united states's are "prospering".

Answer:

The answer is: "Up", 14%, 33%, "Down", "Borrowers", "Prospering".

Explanation:

The percentage of the u.s. federal government's debt owned by foreign entities went "Up" from 14% in 1990 to 33% in 2013. it is important to remember, however, that foreign supply in the loanable funds market helps keep interest rates "Down", which benefits domestic "Borrowers". it is also worth noting that demand for u.s. treasuries is a sign that other economies beside the united states's are "Prospering".

The answer is: "Up", 14%, 33%, "Down", "Borrowers", "Prospering".

Unlike the marketing​ concept, the sustainable marketing concept focuses on​ ________.

Answers

calls for socially and environmentally responsible actions that meet both the immediate and future needs of customers and the company.

The sustainable marketing concept focuses on​ : The future best interests of customers and the business.

What is sustainable marketing concept?

Sustainable marketing concept refers to the promotion of environmental and socially responsible products, practices, and brand values.

Sustainability marketing is a way to build relationships with consumers while letting them know that they are important and so are future generations.

Businesses can use sustainable marketing for the following:

Specific productTime-sensitive causeGrowth of their businesses.

Hence, unlike the marketing​ concept, the sustainable marketing concept focuses on the future best interests of customers and the business.

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What do we hope to capture within a confidence interval?

Answers

The confidence interval is an interval estimate for a parameter value which gives an estimated range of values which is likely to include an unknown population parameter
At least 90% of (a large series of) 90% confidence intervals will include the unknown true values of the parameters.
We use this interval to determine the probability that the confidence interval produced will contain the true parameter value

Sam collins wants to get the best deal in cereal he can find. he finds rice puffs for $2.49 for 24 ounces, $2.69 for 36 ounces, $2.29 for 12 ounces, and $4.00 for 48 ounces. what is the unit price of the best buy?

Answers

To find the amount you are paying per ounce, you want to divide the price you are paying by the number of ounces in each box.

$2.49/24 = 0.10375
$2.69/36 = 0.07472222
$2.29/12 = 0.1998333
$4.00/48 = 0.08333333

The unit price of the best buy is $0.07 per ounce of cereal in the box. 

It's 7.47 cents per ounce!

A manufacturer or seller is relieved of product liability if the plaintiff has been injured by​ a(n) _____ of a product.
a. ordinary use
b. normal use
c. foreseeable use
d. abnormal misuse
e. common misuse

Answers

A manufacturer or seller is relieved of product liability if the plaintiff has been injured by an abnormal misuse of a product. A company or person is responsible for any damage that occurs to someone or something when they are using a product exactly how it is intended to be used. If they don't however, they aren't responsible because it is not their fault if a consumer doesn't follow appropriate directions for use.

Which team role is the person on call who first notices or is alerted to a problem ​?

Answers

The dispatcher is the person on call who first notices or is alerted to a problem The dispatcher is a communications personnel who is responsible for receiving and transmitting messages, which can include alerts, alarms, complains, questions,...
It is part of the asset management, and the first step in asset management is to inventory all the components on the network.​
Final answer:

The person who first notices or is alerted to a problem is often referred to as the 'First Responder' or 'Issue Spotter'. Their role is to detect issues and alert the relevant parties, but often people avoid taking on this responsibility due to lack of confidence or 'bystander effect'. Encouraging proactive behavior in teams is crucial for prompt and efficient problem-solving.

Explanation:

In most team structures, the person on call who first notices or is alerted to a problem, is often referred to as the 'First Responder' or 'Issue Spotter'. This person's role is critical as they serve as the initial point of detection for issues, ensuring that they are quickly addressed and therefore limiting any potential negative impact on the team or project. Their role is not just to notice the problem, but also to alert the appropriate people or parties that can offer a solution.

Researchers have found, however, that often people avoid this responsibility due to reasons such as a lack of confidence in their judgment, or a belief that someone else will take care of it, a phenomenon often referred to as the 'bystander effect' (Cherry 2020). It's crucial, therefore, to encourage a proactive approach among team members to ensure that issues are addressed promptly and efficiently.

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Find the area of the regular pentagon if the apothem is 4.9 m and a side is 7.1 m. round to the nearest whole number. 62 m2 34 m2 87 m2 17 m2 Mr. Nelsons Shoes Mr. Nelson manages a shoe store. One day a man came into the store right after it opened and before Mr. Nelson had a lot of change in the register. The man purchased a pair of shoes that cost $80 and gave Mr. Nelson a $100 bill. Mr. Nelson did not have change, so he went next door and exchanged the $100 for five $20 bills. He gave the customer his shoes and $20 in change. Later, the cashier next door heard there were some counterfeit bills being passed, so she asked Mr. Nelson for five $20 bills, which Mr. Nelson now had, in trade for the $100 bill. Shortly after that the police arrived and determined that the $100 bill was counterfeit and confiscated it. Who lost money? How much money? An article in CQ Researcher states, "more than 111 million Americans use mobile phonesmore than one-third of the population."Why is this piece of evidence not appropriate? A. The American statistic is not applicable since the intended audience is Canadian. B. One-third of the American population is not large enough to convince the reader. C. The reader will not believe the author because CQ Researcher is not trustworthy. D. The number of people who use cell phones does not support the author's argument. VO2max is A. a test used to help people lose unwanted weight. B. the highest level of oxygen consumption that can be sustained during exercise. C. a measurement of how much blood the heart pumps during exercise. D. not a good test of cardiorespiratory fitness. If 3A and 3B, then which of the following statements is not true? Who was the first calipH The rectangular room is given by the trinomial x^2+4x-12. What are the possible dimensions of the rectangle? Use factoring. (1 point) (x-6) and (x-2) (x+6) and (x+2) (x-6) and (x+2) (x+6) and (x-2) 17. What is the factored form of the following expression? X^2+2xy-48y^2 (1 point) a. (x+6y)(x-8y) b. (x-6y)(x-8y) c. (x+6y)(x+8y) d. (x-6y)(x+8y) 18. The area of a rectangular art studio is given by the trinomial 24x^2-4x-8. What are the possible dimensions of the studio? Use factoring. a. (3x-2) and (8x-4) b. (3x-2) and (8x+4) (3x-2) and (8x-4) (3x+2) and (8x-4) The drop that riders experience on Dr. Doom's Free Fall can be modeled by the quadratic function, h(t)9.8t2 5t 39 where h is height in meters and t is time in seconds. From what height are the riders dropped? What is the height of the riders after 1.5 seconds? Which of the following lines of The Nobel Prize best alludes to how Pasternak feels about why he has won the actual award? (1 point)a: "And there is no escape outside"b: "My way is cut off on all sides"c: " I have made the whole world weep over the beauty of my land"d: "Light, people, freedom, somewhere bide" There are 108 flights from an airport, 20 of which are longer than 3 hours. The flight from this airport will be randomly chosen. What is the probability it is longer than 3 hours? Enter your answer as a fraction, in simplest form, in the box. Suzie drew the line of best fit on the scatter plot shown.What is the approximate equation of this line of best fit in slope-intercept form? y = 6 over 5x + 3 y = 3x + 6 over 5 y = 5 over 6x + 3 y = 3x + 5 over 6 Which statement BEST describes the effect of the massive economic growth and industrialization that China has experienced since 1949? This picture shows Lyndon B. Johnson signing the Civil Rights Act in 1964. This law was especially important for Johnson to support because he came from which part of the country? Luisa sells stuffed animals.she sells a stuffed elephant for $34.90, and the sale tax is 6% of the sale price.about how much is the sales tax on the elephant Using foreshadowing at the beginning of a story? A.)can be an effective use of foreshadowing B.) should never be done C.) is usually not an effective use of foreshadowing D.) none of the above 17 students on math team want to raise $483.62 to buy books. They already have raised $218.25.If each student raised the same amount , how much more money must each student raise? HOW DO YOU FIGURE OUT THE SLOPE OF A LINE ON A GRAPH?!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! apply the distribution property to produce an equivalent expression 2(7g + 7) which vessel that transports blood to the headA.renal arteryB.dorsal aortaC.carotid arteryD.superior vena cava If you were asked to find the 87th term in a sequence, which formula would you want to be given? A) analog formB) digital formC) explicit formD) recursive form,