_{using the chart; discuss the key drivers behind the price, volume, cost and/or productivity variances. minimum 120 words}

Pre-tax NI Walk: Plan vs. Actual : $0 $-26.3K $-52.7K $10.8K $0 $1.5K $0 $16.9K $-5.5K $-70.7K $-79K $-2.7K $-91.6K $-105.4K Plan Growth Price VC (I) VC (P) Market Share Base Cost Interest Actual Pre-tax NI Walk: Plan vs. Actual : $0 $-26.3K $-52.7K $10.8K $0 $1.5K $0 $16.9K $-5.5K $-70.7K $-79K $-2.7K $-91.6K $-105.4K Plan Growth Price VC (I) VC (P) Market Share Base Cost Interest Actual