FIN 340 Final Project, need help getting my final project started. Attached are some instructions to help with the project.

Thank you!

FIN 340 Final Project Guidelines and Rubric Overview As an investor for yourself or your clients, you have the job of developing investment objectives and a plan to achieve those objectives and then make subsequent investments in appropriate assets accordingly. This process can be collectively termed \"the investment process.\" It is helpful to break the process down into the four core concepts that underpin any sound investment process. First, you must understand what you are investing in. You have to know the underlying characteristics of the investment. What type of asset is it? What type of security? How is it priced? What are the expected cash flows? Who are the typical investors and what are their typical motives? If you do not understand the answers to those questions, then the initial expectations you develop about the value and risk of the asset will be fundamentally flawed. This sets you up for missteps that can lead to underperforming your investment objectives. Second, you must be able to estimate the value of the asset. Valuation is about assessing the estimated cash flows of the asset. This is a key component of discerning absolute return potential and the differences between competing assets. It has a significant influence on the third step in the process as well. The third step is developing a thesis about an asset's expected return and the associated risk. This is accomplished by assessing your valuation estimates against the current market price and any developing economic or market dynamics that may impact your expected valuation or its pricing. The market is constantly changing, and these expectations need to be monitored on a regular basis to ensure they continue to correspond to the objectives you are trying to achieve. Finally, you must understand how the assets in a portfolio interact with one another. It is likely that you will not have just one investment, so any additional assets will impact the overall performance of the portfolio. You want to formulate a plan to add assets that, when combined together, will have the potential to meet your objectives. Putting all of these steps together into a consistent, thorough process will position you to better meet the investment objectives laid out at the beginning. The project is divided into two milestones, which will be submitted at various points throughout the course to scaffold learning and ensure quality final submissions. These milestones will be submitted in Modules Three and Five. The final product will be submitted in Module Seven. In this assignment, you will demonstrate your mastery of the following course outcomes: Differentiate between investment vehicles, asset classes, and security types for effectively selecting investment exposures Apply appropriate models in determining the estimated value of stocks and bonds relative to current market prices for informing investment decisions Apply portfolio measures in constructing comprehensive investment portfolios that appropriately address client risk and return objectives Assess the risks associated with investments for their implications on expected returns Prompt For this assignment, you will assume the role of a financial advisor responsible for developing investment portfolios for two clients. In developing each portfolio, you will interpret client financial information and craft sound and informed portfolios that are personalized to the unique needs of your clients. You will also select five stocks from a provided list and produce valuations by selecting the most appropriate valuation model. These valuations may also be used within the portfolios you are developing for your clients. Specifically, the following critical elements must be addressed: I. II. III. Client Analysis: In this section, you will analyze your clients' financial documentation and determine their risk tolerance and objectives. To effectively address the critical elements in this section, you must analyze the information for both client one and client two. A. Analyze each client's financial documentation in order to perform the following evaluative activities. Be sure to support your analysis with relevant client information. 1. Explain the clients' risk tolerances. 2. Explain the clients' return objectives. 3. Explain the clients' liquidity objectives. B. Using the three objectives above, write a brief investment statement classifying the clients into one of the following categories: growth, income, or capital preservation. Justify your response with specific client information. Stock Analysis: In this section, you will select five stocks from the provided list and determine their values by applying an appropriate valuation model from the following options: price to multiple model (earning or sales), dividend valuation model, or free cash flow model. A. Determine the value of each stock by using an appropriate model based on the characteristics provided for each stock; use each model at least once. B. Provide a rationale for the stock valuation method you chose for each stock. Cite specific information to support your decisions. C. Using the calculated valuation, the current market price, and historical performance, determine the expected return for each stock. Portfolio Development: In this section, you will develop a portfolio for both clients based on their risk tolerance, return objectives, and liquidity objectives. You will select appropriate assets from the provided list. A. For each client, develop a portfolio from the list of assets provided that is informed by your analysis of each client's objectives and (if applicable) the stock valuation you determined. B. For each portfolio, calculate the expected portfolio return using the CAPM (beta) model. C. For each portfolio, calculate the expected portfolio standard deviation. IV. Portfolio Performances A. Provide a rationale to present to each client for each of the portfolios you have developed. For each rationale, include specific examples to support your recommendations, and be sure to address the following: 1. Explain how your recommendations align with the clients' risk tolerance. 2. Explain how your recommendations align with the clients' return objectives. B. Using the provided ex-post portfolio return statistics, evaluate each portfolio's performance and compare it to its appropriate benchmark. In your evaluation, be sure to address the following: 1. Calculate portfolio returns. 2. Calculate the Sharpe ratio for both portfolios and benchmarks. 3. Calculate the Treynor's measure for the portfolios only. 4. Calculate Jensen's measure for the period for the portfolios only. Milestones Milestone One: Client Analysis In Module Three, you will create a draft of the client analysis portion of the final project. This milestone is graded with the Milestone One Rubric. Milestone Two: Stock Analysis and Portfolio Development In Module Five, you will submit a draft of the stock analysis and portfolio development portions of the final project. This milestone is graded with the Milestone Two Rubric. Final Submission: Portfolio and Rationale In Module Seven, you will submit your portfolio and rationale. It should be a complete, polished artifact containing all of the critical elements of the final product. It should reflect the incorporation of feedback gained throughout the course. This milestone will be graded using the Final Project Rubric. Final Project Rubric Guidelines for Submission: Your investment portfolios should be 6-8 pages, double spaced, with 12-point Times New Roman font, one-inch margins, and APA formatting. Instructor Feedback: This activity uses an integrated rubric in Blackboard. Students can view instructor feedback in the Grade Center. For more information, review these instructions. Critical Elements Exemplary Proficient Client Analysis: Client Information: Risk Tolerances Meets \"Proficient\" criteria, and response demonstrates a nuanced understanding of client risk tolerance causes (100%) Explains the clients' risk tolerances, supporting the explanation with relevant client information (85%) Explains the clients' risk Does not explain the clients' risk tolerances, supporting with client tolerances (0%) information, but explanation is missing components, or supporting information is missing or contains inaccuracies (55%) Client Analysis: Client Information: Return Objectives Meets \"Proficient\" criteria, and response demonstrates an advanced ability to extract a thorough and accurate summary of client return objectives (100%) Explains the clients' return objectives, supporting the explanation with relevant client information (85%) Explains the clients' return Does not explain the clients' return objectives, supporting with client objectives (0%) information, but explanation is missing components, or supporting information is missing or contains inaccuracies (55%) 4.8 Client Analysis: Client Information: Liquidity Objectives Meets \"Proficient\" criteria, and response demonstrates an advanced ability to extract a thorough and accurate summary of client liquidity objectives (100%) Explains the clients' liquidity objectives, supporting the explanation with relevant client information (85%) Explains the clients' liquidity Does not explain the clients' objectives, supporting with client liquidity objectives (0%) information, but explanation is missing components, or supporting information is missing or contains inaccuracies (55%) 4.8 Client Analysis: Brief Investment Statement Meets \"Proficient\" criteria, and response comprehensively portrays each client's investment objectives (100%) Writes a brief investment Writes a brief investment Does not write a brief investment statement based on client statement based on client analysis statement (0%) analysis and classifies clients into and classifies clients into a a category, justifying response category, justifying response with with specific client information specific client information, but (85%) response is missing components, or supporting information is missing or contains inaccuracies (55%) Stock Analysis: Determine the Value Accurately determines the value of each stock using an appropriate model based on the characteristics provided for each stock (100%) Needs Improvement Not Evident Determines the value of each Does not determine the value of stock, but determination contains each stock (0%) inaccuracies, or model applied is not appropriate (55%) Value 6 4.8 8 Stock Analysis: Meets \"Proficient\" criteria, and Stock Valuation Method response demonstrates keen insight into the appropriate application of stock valuation methods (100%) Provides a rationale for the stock Provides a rationale for the stock Does not provide a rationale for the valuation method chosen for valuation method chosen for each stock valuation method chosen for each stock, citing specific stock, but rationale is missing each stock (0%) information to support decisions components or misaligned, or (85%) information cited is not relevant or nonexistent (55%) 6 Accurately determines the expected return for each stock based on the calculated valuation, current market price, and historical performance (100%) Determines the expected return Does not determine the expected for each stock based on the return of each stock (0%) calculated valuation, current market price, and historical performance, but determination is missing components or contains inaccuracies (55%) 6 Portfolio Development: Meets \"Proficient\" criteria, and Develop a Portfolio response demonstrates keen insight into the integration of client objectives to develop a diverse and comprehensive portfolio (100%) Develops portfolios from the lists of assets provided that are informed by an analysis of clients' objectives (85%) Develops portfolios from the lists Does not develop portfolios for of assets provided that are each client (0%) informed by an analysis of clients' objectives, but portfolios are missing components or are illogical (55%) 6 Portfolio Development: Expected Portfolio Return Accurately calculates the expected portfolio return for each portfolio using the CAPM model (100%) Calculates the expected portfolio Does not calculate the expected return using the CAPM model but portfolio returns using the CAPM does not calculate expected model (0%) returns for both portfolios, or calculations contain inaccuracies (55%) 8 Portfolio Development: Expected Standard Deviation Accurately calculates the expected portfolio standard deviations for each portfolio (100%) Calculates the expected portfolio Does not calculate the expected standard deviations but does not portfolio standard deviations (0%) calculate for both portfolios, or calculations contain inaccuracies (55%) 8 Stock Analysis: Expected Return Portfolio Performances: Meets \"Proficient\" criteria, and Rationale: response makes cogent Risk Tolerance connections between portfolio recommendations and the client's risk tolerance (100%) Explains how the recommendations align with the client' risk tolerance, including specific examples (85%) Explains how the recommendations align with the clients' risk tolerances, but explanation is misaligned or missing components or specific examples (55%) Does not explain how the recommendations align with the clients' risk tolerance (0%) 6 Portfolio Performances: Meets \"Proficient\" criteria, and Rationale: response makes cogent Return Objectives connections between portfolio recommendations and the client's return objectives (100%) Explains how the recommendations align with the clients' return objectives, including specific examples (85%) Explains how the recommendations align with the clients' return objectives, but explanation is misaligned or missing components or specific examples (55%) Does not explain how the recommendations align with the clients' return objectives (0%) 6 Portfolio Performances: Portfolio's Performance: Portfolio Returns Accurately calculates the portfolio returns (100%) Calculates the portfolio returns, but calculations are missing components or contain inaccuracies (55%) Does not calculate the portfolio returns (0%) 6 Portfolio Performances: Portfolio's Performance: Sharpe Ratio Accurately calculates the Sharpe Calculates the Sharpe ratio, but ratio for both portfolios and calculations are missing benchmarks (100%) components or contain inaccuracies (55%) Does not calculate the Sharpe ratio (0%) 6 Portfolio Performances: Portfolio Performance: Treynor's Measure Accurately calculates Treynor's measure for each portfolio (100%) Calculates Treynor's measure but Does not calculate Treynor's does not calculate for both measure (0%) portfolios, or calculations contain inaccuracies (55%) 4.8 Portfolio Performances: Portfolio's Performance: Jensen's Measure Accurately calculates Jensen's measure for each portfolio (100%) Calculates Jensen's measure but Does not calculate Jensen's does not calculate for both measure (0%) portfolios, or calculations contain inaccuracies (55%) 4.8 Articulation of Response Submission is free of errors related to citations, grammar, spelling, syntax, and organization and is presented in a professional and easy-to-read format (100%) Submission has no major errors related to citations, grammar, spelling, syntax, or organization (85%) Submission has major errors related to citations, grammar, spelling, syntax, or organization that negatively impact readability and articulation of main ideas (55%) Submission has critical errors related to citations, grammar, spelling, syntax, or organization that prevent understanding of ideas (0%) Total 4 100% FIN 340 Milestone Two Guidelines and Rubric Overview: In the first milestone, you prepared a client analysis. In this milestone, you will create the stock analysis and portfolio development sections of your final project. First, you must understand what you are investing in. You have to know the underlying characteristics of the investment. What type of asset is it? What type of security? How is it priced? What are the expected cash flows? Who are the typical investors and what are their typical motives? If you do not understand the answers to those questions, then the initial expectations you develop about the value and risk of the asset will be fundamentally flawed. This sets you up for missteps that can lead to underperforming your investment objectives. Second, you must be able to estimate the value of the asset. Valuation is about assessing the estimated cash flows of the asset. This is a key component of discerning absolute return potential and the differences between competing assets. It has a significant influence on the third step in the process as well. The third step is developing a thesis about an asset's expected return and the associated risk. This is accomplished by assessing your valuation estimates against the current market price and any developing economic or market dynamics that may impact your expected valuation or its pricing. The market is constantly changing, and these expectations need to be monitored on a regular basis to ensure they continue to correspond to the objectives you are trying to achieve. Finally, you must understand how the assets in a portfolio interact with one another. It is likely that you will not have just one investment, so any additional assets will impact the overall performance of the portfolio. You want to formulate a plan to add assets that, when combined together, will have the potential to meet your objectives. Putting all of these steps together into a consistent, thorough process will position you to better meet the investment objectives laid out at the beginning. Prompt: This milestone involves creating a draft of the stock analysis and portfolio development sections of the final project. Use the provided spreadsheet to calculate your portfolio's standard deviation. Specifically, the following critical elements must be addressed: II. Stock Analysis: In this section, you will select five stocks from the provided list and determine their values by applying an appropriate valuation model from the following options: price to multiple model (earning or sales), dividend valuation model, or free cash flow model. A. Determine the value of each stock by using an appropriate model based on the characteristics provided for each stock; use each model at least once. B. Provide a rationale for the stock valuation method you chose for each stock. Cite specific information to support your decisions. C. Using the calculated valuation, the current market price, and historical performance, determine the expected return for each stock. III. Portfolio Development: In this section, you will develop a portfolio for both clients based on their risk tolerance, return objectives, and liquidity objectives. You will select appropriate assets from the provided list. A. For each client, develop a portfolio from the list of assets provided that is informed by your analysis of each client's objectives and (if applicable) the stock valuation you determined. B. For each portfolio, calculate the expected portfolio return using the CAPM (beta) model. C. For each portfolio, calculate the expected portfolio standard deviation. Rubric Guidelines for Submission: Your client analysis should a 4- to 6-page Microsoft Word document, double spaced, with 12-pt. Times New Roman font, one-inch margins, and citations cited in APA format. Note that your submission may be longer than 6 pages if you need to show numerous calculations and work. Instructor Feedback: This activity uses an integrated rubric in Blackboard. Students can view instructor feedback in the Grade Center. For more information, review these instructions. Critical Elements Exemplary (100%) Stock Analysis: Determine Accurately determines the value of the Value each stock using an appropriate model based on the characteristics provided for each stock Stock Analysis: Stock Provides a rationale for the stock Valuation Method valuation method chosen for each stock, citing specific information to support decisions Stock Analysis: Expected Accurately determines the expected Return return for each stock based on the calculated valuation, current market price, and historical performance Portfolio Development: Develops portfolios from the lists of Develop a Portfolio assets provided that are informed by an analysis of clients' objectives Needs Improvement (75%) Not Evident (100%) Determines the value of each stock, but Does not determine the value of each determination contains inaccuracies, or model stock applied is not appropriate Provides a rationale for the stock valuation method chosen for each stock, but rationale is missing components or misaligned, or information cited is not relevant or nonexistent Determines the expected return for each stock based on the calculated valuation, current market price, and historical performance, but determination is missing components or contains inaccuracies Develops portfolios from the lists of assets provided that are informed by an analysis of clients' objectives, but portfolios are missing components or are illogical Value 17 Does not provide a rationale for the stock valuation method chosen for each stock 17 Does not determine the expected return of each stock 17 Does not develop portfolios for each client 17 Portfolio Development: Accurately calculates the expected Calculates the expected portfolio return using Expected Portfolio Return portfolio return for each portfolio using the CAPM model but does not calculate the CAPM model expected returns for both portfolios, or calculations contain inaccuracies Portfolio Development: Accurately calculates the expected Calculates the expected portfolio standard Expected Standard portfolio standard deviations for each deviations but does not calculate for both Deviation portfolio portfolios, or calculations contain inaccuracies Articulation of Submission has no major errors Submission has major errors related to Response related to citations, grammar, citations, grammar, spelling, syntax, or spelling, syntax, or organization organization that negatively impact readability and articulation of main ideas Does not calculate the expected portfolio returns using the CAPM model 13.5 Does not calculate the expected portfolio standard deviations 13.5 Submission has critical errors related to citations, grammar, spelling, syntax, or organization that prevent understanding of ideas Total 5 100% Instructions: 1. Insert portfolio weights in the yellow highlighted area. 2. Portfolio Standard Deviation is calculated below in grey below. IBM KO BMY ORCL MMM BAX BIG NFLX AKAM GE SPY IWM EFA EEM SHY IEF TLT LQD HYG Portfolio Standard Deviation Standard Portfolio Deviation Weight 20.0% 0% 13.0% 0% 28.0% 0% 16.0% 0% 14.0% 0% 16.0% 0% 32.0% 0% 45.0% 0% 37.0% 0% 16.0% 0% 11.0% 40% 18.0% 20% 15.0% 20% 19.0% 0% 1.0% 0% 6.0% 0% 13.5% 0% 6.0% 20% 8.0% 0% 100% 13.13% Correlation Matrix Security IBM KO IBM 1 KO 0.289 BMY 0.185 ORCL 0.589 MMM 0.524 BAX 0.368 BIG 0.215 NFLX 0.179 AKAM 0.255 GE 0.539 SPY 0.622 IWM 0.539 EFA 0.568 EEM 0.514 SHY -0.127 IEF -0.252 TLT -0.246 LQD 0.023 HYG 0.429 x2 IBM KO BMY ORCL MMM BAX BIG NFLX AKAM GE SPY IWM EFA EEM SHY IEF TLT LQD HYG 0.0130 IBM KO 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 BMY 0.289 1 0.162 0.316 0.447 0.283 0.184 0.187 0.194 0.393 0.52 0.359 0.444 0.491 0.002 0.012 0.021 0.135 0.417 0.185 0.162 1 0.262 0.242 0.247 0.155 0.143 0.117 0.283 0.348 0.313 0.264 0.198 -0.053 -0.147 -0.155 -0.08 0.197 ORCL MMM BAX BIG NFLX AKAM 0.589 0.524 0.368 0.215 0.179 0.255 0.316 0.447 0.283 0.184 0.187 0.194 0.262 0.242 0.247 0.155 0.143 0.117 1 0.535 0.432 0.249 0.311 0.404 0.535 1 0.425 0.231 0.135 0.228 0.432 0.425 1 0.086 0.265 0.257 0.249 0.231 0.086 1 0.092 0.187 0.311 0.135 0.265 0.092 1 0.225 0.404 0.228 0.257 0.187 0.225 1 0.5 0.672 0.415 0.259 0.254 0.372 0.739 0.703 0.569 0.376 0.372 0.479 0.636 0.585 0.476 0.483 0.317 0.417 0.664 0.617 0.516 0.275 0.284 0.437 0.628 0.586 0.487 0.268 0.314 0.412 -0.178 -0.136 -0.141 -0.054 -0.11 -0.193 -0.29 -0.218 -0.175 -0.092 -0.106 -0.21 -0.31 -0.249 -0.159 -0.074 -0.082 -0.203 -0.048 0.012 0.019 0.048 -0.052 -0.053 0.558 0.51 0.453 0.231 0.25 0.333 BMY ORCL MMM BAX BIG NFLX AKAM 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 GE SPY 0.539 0.393 0.283 0.5 0.672 0.415 0.259 0.254 0.372 1 0.744 0.651 0.635 0.603 -0.229 -0.319 -0.32 -0.089 0.504 GE 0.622 0.52 0.348 0.739 0.703 0.569 0.376 0.372 0.479 0.744 1 0.877 0.857 0.807 -0.276 -0.392 -0.375 -0.054 0.742 IWM EFA EEM SHY IEF 0.539 0.568 0.514 -0.127 0.359 0.444 0.491 0.002 0.313 0.264 0.198 -0.053 0.636 0.664 0.628 -0.178 0.585 0.617 0.586 -0.136 0.476 0.516 0.487 -0.141 0.483 0.275 0.268 -0.054 0.317 0.284 0.314 -0.11 0.417 0.437 0.412 -0.193 0.651 0.635 0.603 -0.229 0.877 0.857 0.807 -0.276 1 0.74 0.688 -0.271 0.74 1 0.856 -0.245 0.688 0.856 1 -0.118 -0.271 -0.245 -0.118 1 -0.386 -0.391 -0.208 0.821 -0.365 -0.396 -0.205 0.668 -0.072 -0.045 0.11 0.668 0.66 0.722 0.776 -0.106 TLT -0.252 0.012 -0.147 -0.29 -0.218 -0.175 -0.092 -0.106 -0.21 -0.319 -0.392 -0.386 -0.391 -0.208 0.821 1 0.929 0.81 -0.194 LQD -0.246 0.021 -0.155 -0.31 -0.249 -0.159 -0.074 -0.082 -0.203 -0.32 -0.375 -0.365 -0.396 -0.205 0.668 0.929 1 0.814 -0.198 0.023 0.135 -0.08 -0.048 0.012 0.019 0.048 -0.052 -0.053 -0.089 -0.054 -0.072 -0.045 0.11 0.668 0.81 0.814 1 0.179 HYG 0.429 0.417 0.197 0.558 0.51 0.453 0.231 0.25 0.333 0.504 0.742 0.66 0.722 0.776 -0.106 -0.194 -0.198 0.179 1 SPY IWM EFA EEM SHY IEF TLT LQD HYG 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0028 0.0023 0.0000 0.0000 0.0000 0.0000 -0.0001 0.0000 0.0000 0.0028 0.0000 0.0016 0.0000 0.0000 0.0000 0.0000 -0.0001 0.0000 0.0000 0.0023 0.0016 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 0.0000 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