Unit 2Personal Finance课件-2024-2025学年中职英语劳保版第三版新模式英语4

新模式英语 English 许小莉 改编 （第三版） 全国技工院校公共基础课程教材 新模式英语 English 2 UNIT 2 Personal Finance Money in, money out Calculate monthly expenses Savvy shopper Identify ways to be a smart consumer How they pull you in Analyse advertising techniques Express yourself Write a business letter Charge it! Interpret credit card information Reading Challenge Team Project Review 3 Calculate monthly expenses Calculate monthly expenses UNIT 2 Words and Expressions Listening Script 4 Think about your personal finances. What do you spend money on every month? Make a list. A LESSON 1 5 Listen to Lily and her father talk about her monthly budget. Fill in the form below. B LESSON 1 Monthly Expenses Food expenses Transportation expenses Mobile phone bill/ Internet fees Clothing/ Accessory/ Cosmetic expenses Books fees/ School supplies cost Electronic products expenses Entertainment expenses ¥40.00 ¥1,000.00 ¥80.00 ¥80.00 ¥200.00 ¥15.00 ¥150.00 6 COMPARE Look at your expenses and Lily’s. What are the similarities? What are the differences? C LESSON 1 7 LESSON 1 Look at the form below. The Budget Amount column shows how much Lily thinks she will spend. Look at the amount you wrote on previous page and complete the column. D Item Budgeted Amount Actual Amount Difference Food expenses Transportation expenses Mobile phone bill/ Internet fees Clothing/ Accessory/ Cosmetic expenses Books fees/ School supplies cost Electronic products expenses Entertainment expenses TOTAL ¥1,000.00 ¥80.00 ¥80.00 ¥200.00 ¥40.00 ¥15.00 ¥150.00 8 Now listen to Lily and her father talk about what she actually spent. Complete the Actual Amount column. E LESSON 1 Item Budgeted Amount Actual Amount Difference Food expenses Transportation expenses Mobile phone bill/ Internet fees Clothing/ Accessory/ Cosmetic expenses Books fees/ School supplies cost Electronic products expenses Entertainment expenses TOTAL ¥941.00 ¥78.00 ¥85.72 ¥400.00 ¥50.00 ¥0.00 ¥132.96 ¥1,000.00 ¥80.00 ¥80.00 ¥200.00 ¥40.00 ¥15.00 ¥150.00 9 CALCULATE The last row in the form is for the total amount. This is where Lily writes her total budget amount and the total amount she actually spent. To get each total, you must add the numbers in the column together. F LESSON 1 10 CALCULATE Complete the totals for the Budget Amount and the Actual Amount columns in Exercise D. G LESSON 1 Item Budgeted Amount Actual Amount Difference Food expenses Transportation expenses Mobile phone bill/ Internet fees Clothing/ Accessory/ Cosmetic expenses Books fees/ School supplies cost Electronic products expenses Entertainment expenses TOTAL ¥1,000.00 ¥80.00 ¥80.00 ¥200.00 ¥40.00 ¥15.00 ¥150.00 ¥941.00 ¥78.00 ¥85.72 ¥400.00 ¥50.00 ¥0.00 ¥132.96 ¥1,565.00 ¥1,687.68 11 CALCULATE The last column of the form is for the difference between the amount of money Lily budgeted for each expense and the amount she actually spent. To make this calculation, you must use subtraction. H LESSON 1 12 LESSON 1 Sometimes Lily budgeted less than she spent. In this case, you still do the subtraction with the larger number on top, but the end result is a negative number. Look at the example. I 13 LESSON 1 Calculate the differences between the Budget Amount and the Actual Amount. Write the answers in the form in Exercise D. J Item Budgeted Amount Actual Amount Difference Food expenses Transportation expenses Mobile phone bill/ Internet fees Clothing/ Accessory/ Cosmetic expenses Books fees/ School supplies cost Electronic products expenses Entertainment expenses TOTAL ¥1,000.00 ¥80.00 ¥80.00 ¥200.00 ¥40.00 ¥15.00 ¥150.00 ¥941.00 ¥78.00 ¥85.72 ¥400.00 ¥50.00 ¥0.00 ¥132.96 ¥1565.00 ¥1687.68 ¥59.00 ¥2.00 ¥-5.72 ¥-200.00 ¥-10.00 ¥15.00 ¥17.04 ¥-122.68 14 LESSON 1 CREATE Make a budget of your own. List each expense with a budget amount. Then, at the end of each month list the actual amount and find the difference. K Monthly Expenses Budgeted Amount Actual Amount Difference 15 accessory  /ækˈsesəri/  n. 配饰 actual  /ˈæktʃʊəl/  adj. 实际的 similarity  /ˌsɪmɪˈlærɪti/  n. 相似点 subtraction  /səbˈtrækʃ(ə)n/  n. 减法 negative number  负数 LESSON 1 B Father: I think it’s time we sat down and made a budget. Lily: Good idea. How should we start? Father: Well, let’s make a list of everything you spend money on, and then let’s guess at how much you spend in each category. Then you’ll save your receipts for next month and see how much you actually spent. Lily: OK, why don’t we start with the food? For most students, it accounts for most of their living expenses. I’d say I spend ¥900 a month on three meals, ¥100 a month on drinks and snacks, and might come to ¥1,000 a month for food. Father: That sounds right. Now let’s talk about transportation. I know it’s going to be ¥80. LESSON 1 17 B Lily: Right. In the transportation category, I’d say I spend about ¥20 on bus, ¥20 on shared bikes, and ¥40 on taxi. That adds up to ¥80. Father: Don’t forget mobile phone, and Internet. Mobile phone is ¥50, and Internet is ¥30. That’s ¥80 right there. Lily: Wow, I spend money on a lot of things! Father: And you’re not even finished! How much do you think you spend on clothing, accessories each month? Lily: I spend about ¥200 a month on clothing and accessories. Father: What about books and school supplies ? Lily: Books and school supplies are about ¥40 a month. LESSON 1 18 B Father: Are we forgetting anything? … Oh, electricity bill. I’d say you spend about ¥15 a month. Lily: That sounds about right. And don’t forget entertainment. Movies and taking trips adds up! I’d be willing to bet I spend at least ¥150 a month on those kinds of things—I’m afraid to add all this up! LESSON 1 19 E Lily: I can’t believe it’s been a month since we sat down and wrote my budget. Time flies! Father: Yep, it sure does. OK, since we’ve already totaled up the receipts, let’s write down the total amount of money you spent last month in each category. Lily: OK, I’ve got the food expenses. I spent ¥865 on three meals, ¥76 on drinks and snacks. So, that’s ¥941 total. That’s less than what we thought. Father: OK, transportation fees. Obviously, transportation was what we thought—¥78. Mobile phone bill was ¥55.72, and Internet was ¥30. That adds up to ¥85.72. LESSON 1 20 E Lily: I spent about ¥400 on clothing and accessories. I guess we underestimated on that one, and I think we should increase the clothing budget. I am looking for a job and I need new formal clothes quite often. Father: Good idea. What about books and school supplies? Lily: Books and school supplies supplies were about ¥50.I didn’t buy any electronic products. I spent ¥132.96 on entertainment. Father: All right. Let’s add it up! LESSON 1 21 Savvy shopper Identify ways to be a smart consumer Words and Expressions UNIT 2 22 PREDICT Sara wants to buy a good-quality laptop that will last a long time. What do you think she will do before buying the laptop? Discuss your ideas with your classmates. A LESSON 2 23 Sara did some research on the Internet. Read the web page below to see what information she found. B LESSON 2 24 Based on the reading in Exercise B, list six things you should do before you make a large purchase. C LESSON 2 1.____________________________________________ 2.____________________________________________ 3.____________________________________________ 4.____________________________________________ 5.____________________________________________ 6.____________________________________________ 25 LESSON 2 SUPPOSE Sometimes being a smart consumer means not buying something you want. If you had all the money in the world, what two items would you buy? D 1. __________________________ 2. __________________________ Now look at these examples: 1. If I were a merchant, I would buy a new factory. (I’m not really a merchant, so I can’t buy a new factory.) 2. If they had a million dollars, they would move to that city. (They don’t have a million dollars, so they can’t move to that city.) These statements are called contrary-to-fact conditionals. They express a condition and a result that are not true at this point in time. 26 Study the form with your teacher. E LESSON 2 27 Complete the sentences with the correct form of the verbs in parentheses. F 1. If Bita ________ (be) an architect , she ______________(design)beautiful homes. 2. They __________________ (purchase) a new computer if they __________(have) some extra money. 3. George _____________ (save) more money if he _______________ (not spend) so much on eating out. 4. You _____________ (not be) so tired if you ________(have)more time to relax. were would design would purchase had would save didn’t spend wouldn’t be had LESSON 2 28 Study the form with your teacher. G LESSON 2 29 LESSON 2 Work in groups. Practice the conversation. Make new conversations. Take turns to ask your group the questions below. Answer with a conditional statement. H EXAMPLE: Student A: What would you do if you had one billion yuan? Student B: If I had one billion yuan, I’d travel around the world. What would you do if ... 1. you could go to space? 2. you were a teller? 3. you had your own robot? 4. you were the boss of a huge company? 5. you were the chairman of your department? 6. (your own idea)? 30 VISUALIZE Write three statements about what you would do if you had one billion yuan. I LESSON 2 1._________________________________________________ 2._________________________________________________ 3._________________________________________________ 31 bargain  /ˈbɑ:ɡən/  n. 特价品 guarantee  /ˌɡærənˈti:/  n. 担保，保修单 millionaire  /ˌmɪljəˈneə(r)/  n. 百万富翁 misleading  /ˌmɪsˈli:dɪŋ/  adj. 误导性的 warranty  /ˈwɒrənti/  n. （商品）保用单 delivery time  交货时间 shipping cost  运输费，货运费 LESSON 2 Charge it! Interpret credit card information Words and Expressions UNIT 2 33 LESSON 3 Do you or your parents have a credit card? What kind of card is it? What is the interest rate? What do you use it for? Discuss these questions with your group. A 34 Read the information below about credit cards. B LESSON 3 35 LESSON 3 INFER What do you think these words mean? Use context clues from the reading in Exercise B to figure out their meanings. Discuss the words with a partner. C credit card credit score bankruptcy credit utilization drawback 36 List the pros and cons of using a credit card. D LESSON 3 Pros Cons 37 Investigate the advantages and disadvantages of using contactless digital payment and discuss with your classmates. E LESSON 3 Advantages Disadvantages 38 LESSON 3 According to your investigation, how do you choose to pay when purchasing something? Find more information about credit card on the Internet before applying for it. F 39 Read the information about credit cards. G LESSON 3 Although the credit card provides us with more freedom in our consumption. Sometimes, “buy now, pay now” is more rational than “buy now, pay later”. First of all, people tend to feel greater pain when they hand cash over than when they use credit cards. Therefore, we are more cautious about our buying behaviour with the cash. Secondly, excessive consumption will increase our financial pressure, and a bad credit record will bring us a lot of trouble. 40 LESSON 3 DIFFERENTIATE With a partner, discuss the differences between these purchasing options. Make notes in the form. H Cash Credit Card _________________________ _________________________ _________________________ _________________________ _________________________ _________________________ _________________________ _________________________ _________________________ _________________________ 1.be more cautious about buying behaviour 2.avoid excessive consumption 3.keep a good credit card 1.may charge up limit without approval 2.no collateral needed 3.interest rates vary 41 LESSON 3 Look at the list of items. For each item, decide if you should put it on a credit card or use contactless digital payment. Discuss your answers with a group. I Mode of Payment Mobile Phone Tuition Fee Clothing Computer Airline Ticket Bicycle Credit Card Contactless digital payment 42 bankruptcy  /ˈbæŋkrʌptsi/  n. 破产 consumption  /kənˈsʌmpʃən/  n. 消耗 drawback  /ˈdrɔ:bæk/  n. 缺点 pitfall  /ˈpɪtfɔ:l/  n. 隐患，陷阱 utilization  /ˌju:təlaɪˈzeɪʃən/  n. 利用 be cautious about  对……小心谨慎 digital payment  数字支付方式 interest rate  利率 pros and cons  利弊 LESSON 3 How they pull you in Analyse advertising techniques Words and Expressions UNIT 2 44 Look at the ads for tablets. A LESSON 4 45 ANALYZE Answer the questions. Then, discuss these questions with a group and compare answers. B LESSON 4 1. Which ad is the most attractive to you? Why? __________________________________________________ 2. What kind of information do the ads give? __________________________________________________ 3. What information is not included? __________________________________________________ 4. How do the ads try to persuade you to buy the products? __________________________________________________ 46 LESSON 4 IDENTIFY Look at the ads in Exercise A to complete the form below. If the information is missing from the ad, write doesn’t say. C Item ZO NIK DIGI TA Price Screen Size 10.1'' Resolution 1024 x 600 Bluetooth doesn’t say Storage capacity 32GB Extras extra charger $149.99 7'' 1280 x 800 8GB doesn’t say $199.99 8.4'' 2560x1600 16GB doesn’t say Yes $49.99 7'' Yes 4GB $199.99 1920x1200 doesn’t say doesn’t say 47 LESSON 4 Is there anything else that you would like to know about the tablets? Write three questions that you might ask a salesperson. D 1.____________________________________________________ 2.____________________________________________________ 3.____________________________________________________ 48 DECIDE Based on the advertisements, which tablet would you buy? E LESSON 4 49 Discuss these questions with a group. F LESSON 4 1. What do advertisers do to get you interested in their products? 2. Can you always trust advertisements? 3. What’s the best way to find out the truth about a product? 50 Study the form with your classmates and teacher. G LESSON 4 51 LESSON 4 Complete each sentence with the passive voice of the verbs in parentheses. Make sure you use the correct form of the verb be. H 1. Special offers _____________ (make) to consumers. 2. Some advertising techniques _____________ (use) in order to attract the buyer. 3. Many products _____________ (sell) because of ads. 4. The truth about a product_____________ (discover) by doing research and talking to other people who have bought the same product. 5. Sometimes, consumers_____________ (trick) into buying a product that they don’t really need. are made are used are sold is discovered are tricked With a small group, discuss whether integrity or advertising technique is more important in selling products. I 52 DESIGN Imagine that you and a group of students are part of an advertising firm. Choose a product to write an ad for. Try to persuade people to buy your product. Use some passive voice sentences in your ad! Share your ad with the class. J LESSON 4 53 resolution  /ˌrezəˈlu:ʃən/  n. 分辨率 technique  /tekˈni:k/  n. 技巧，方法 persuade sb to do  说服某人做某事 LESSON 4 Express yourself Write a business letter Words and Expressions UNIT 2 55 RECALL Tell your classmates about a time when you complained about a product or service. A LESSON 5 56 VISUALIZE Read each situation below. Answer the questions with a partner. B LESSON 5 1. You got home from the grocery store and realized the milk is sour. Who would you talk to? ___________________________________________ What would you say? ___________________________________________________________ What would you like to see happen? __________________________________________________________ 2. You bought a T-shirt online and it came with a stain on it. Who would you talk to? __________________________________________________________ What would you say? __________________________________________________________ What would you like to see happen? ___________________________________________________________ The grocery store manager. I just got home and realized this milk is sour. I would like a new bottle of milk. The online shop customer service representative. Excuse me, this T-shirt has a stain on it. I would like the stain removed or get a refund. 57 VISUALIZE Read each situation below. Answer the questions with a partner. B LESSON 5 3. You paid for your meal using online banking in a restaurant, but the owner did not get the money. Who would you talk to? _______________________________________ What would you say? ___________________________________________________________ What would you like to see happen? ___________________________________________________________ 4. There is a charge on your supermarket receipts for something that you didn’t buy. Who would you talk to? _______________________________________ What would you say? _________________________________________ What would you like to see happen? ___________________________________________________________ The owner. Excuse me, I have paid for the meal but you did not get the money. Please check that I have paid successfully. Customer service representative. Excuse me, but I didn’t purchase this item. I would like the item removed from my bill. 58 With a partner, choose one of the situations in Exercise B and write a conversation between the customer and the representative of the business. Practice your conversation and present it to the class. C LESSON 5 59 LESSON 5 One of the most effective ways to complain about a product or service is to write a business letter. Read the letter below. D 60 Answer the questions about the letter. E LESSON 5 1. Who is Sara complaining to? _____________________________________________________ 2. What is she complaining about? _____________________________________________________ 3. What do you think will happen? _____________________________________________________ The manager may offer a complimentary meal. The restaurant manager. Bad service. 61 Use these words to label the parts of the business letter in Exercise D. F LESSON 5 greeting/salutation body closing typed/printed name signature 62 LESSON 5 Use these words to label the parts of the business letter in Exercise D. F greeting/ salutation typed/printed name closing signature body 63 A business letter should contain certain information. Look at Sara’s letter again. Did she mention all of these pieces of information in her letter? Highlight the parts of the letter that provide the information. G LESSON 5 who she is why she is writing an explanation of the problem or situation a satisfactory resolution 64 COMPOSE Choose one of these situations and write a business letter to make a complaint. Don’t forget to format the letter correctly and include all of the necessary information. H LESSON 5 Company Reason for Letter 1. Lane’s Accessories The sunglasses you bought are falling apart after one month. 2. Vision Bookstore You were charged for two books instead of one. 3. Riverview Restaurant There was a bottle of drink charged that didn’t belong to you. 4. Produce World You were treated poorly by an employee. 5. (Your own idea) (Your own idea) 65 annual  /ˈænjʊəl/  adj. 每年的，年度的 change  /tʃeɪndʒ/  n. 零钱 complain  /kəmˈpleɪn/  v. 抱怨，投诉 format  /ˈfɔ:mæt/  n. 格式 annual fee  年费 take...seriously  认真对待…… track down  查清楚，追踪到 LESSON 5 UNIT 2 67 Review Imagine that you have ¥1,500 to live on per month. Realistically, how would you budget your money? Fill in the form. (Lesson 1) A Item Budgeted Amount TOTAL ¥1,500 Food expenses ¥1100.0 Transportation expenses ¥100.00 Mobile phone bill/Internet fees ¥50.00 Clothing/Accessory/Cosmetic expenses ¥100.00 Books fees/School supplies cost ¥30.00 Electronic products expenses ¥20.00 Entertainment expenses ¥100.00 68 Look at the form below. Calculate the differences and totals. (Lesson 1) B Review Item Budgeted Amount Actual Amount Difference Food expenses ¥1,000.00 ¥941.00 Transportation expenses ¥80.00 ¥73.50 Mobile phone bill ¥50.00 ¥50.00 Internet fees ¥30.00 ¥30.00 Clothing expenses ¥150.00 ¥274.00 Accessory ¥50.00 ¥23.00 Cosmetic expenses ¥50.00 ¥36.99 Book fees ¥20.00 ¥23.90 School supplies cost ¥50.00 ¥19.00 Electronic product expenses ¥50.00 ¥30.00 Entertainment ¥200.00 ¥135.00 Total ¥59.00 ¥6.50 ¥0.00 ¥0.00 ¥-124.00 ¥27.00 ¥13.01 ¥-3.90 ¥31.00 ¥20.00 ¥65.00 ¥1,730.00 ¥1,611.50 ¥118.50 69 What are three things you can do to be a smart consumer? (Lesson 2) C Review 1._________________________________________________ 2._________________________________________________ 3._________________________________________________ compare prices at different stores look for price matching policies read ads carefully for misleading information Imagine that you have ¥100,000. What would you do with it? Write three conditional statements about the possibilities. Then, share your answers with the class. (Lesson 2) D Review 1.If I had ¥100,000, I would___________________________ ________________________________________________ 2.________________________________________________ ________________________________________________ 3.________________________________________________ ________________________________________________ buy a car. If I had ¥100,000, I would take a trip around the world. If I had ¥100,000, I would save it for my children’s college education. Review 1. You need to apply for this. 2. This can be used to buy an expensive item. 3. You need collateral for this. 4. This often has an annual fee. 5. Sometimes this has an introductory offer. 6. You will pay a penalty if your payment is late. 7. This has an interest rate that affects your payments. 8. You can get this from the bank. ____________ ____________ ____________ ____________ ____________ ____________ ____________ ____________ True True False True True True True False Decide if each statement is true or false, based on what you learned about credit card in this unit. (Lesson 3) E 72 List three advertising techniques that are used to get you to buy a product. (Lesson 4) F Review 1.____________________________________________ 2.____________________________________________ 3.____________________________________________ Review Imagine that you are writing an advertisement for a product. What information should be included in your ad? Make a list and share it with the class. (Lesson 4) G Complete each sentence with the passive voice of the verbs in parentheses. (Lesson 4) H Review 1. Tablets ___________(sell) at electronics stores. 2. Advertisements _____________(create) to sell products. 3. Advertisers ___________(pay) to convince you to buy certain products. 4. An ad ___________(write) to attract you. are sold are created are paid is written What four things should be included in a business letter that expresses a complaint? (Lesson 5) I Review who you are why you are writing an explanation of the problem or situation a (satisfactory) resolution 1.____________________________________________ 2.____________________________________________ 3.____________________________________________ 4.____________________________________________ 1. A smart consumer asks a lot of questions about a product before buying it. ________________________________________________________ 2. Advertisements always tell you everything about the product. ________________________________________________________ 3. Budgets are only for people with a lot of money. ________________________________________________________ 4. It is better to pay cash for something if you can. ________________________________________________________ 5. Sometimes credit cards carry high interest rates. ________________________________________________________ 6. Writing a business letter is a good way to express a complaint. ________________________________________________________ 7. You must have a credit card to buy an expensive item. ________________________________________________________ Review Decide if each statement is true or false, based on what you learned in this unit. If the statement is false, rewrite it to make it true. (Lessons 1—5) J ___ ___ ___ ___ ___ ___ ___ T F T T T F F Advertisements don’t always tell you everything about the product. You could use a credit card to buy an expensive item. Budgets are helpful for everyone. Review Review 79 Create a purchase plan. With a team, you will create a purchase plan for a large item. UNIT 2 80 Team Project Position Job Description Student Name Student 1: Team Leader See that everyone speaks English and participates. Student 2: Secretary Take notes. Write down purchase plan. Student 3: Designer Design ad for product and purchase plan layout. Students 4: Spokesperson Report information to the class. Prepare team for presentation. Student 5: Assistant. Help the secretary and designer with their work. 1. COLLABORATE Form a team. Choose positions for each member of your team. Team Project 2. Decide on a large item that your team would like to purchase. 3. Create an advertisement for this product. 4. Write down all the steps you will need to take to purchase this item. (Hint: think about a budget, comparison shopping, ads) 5. Write a brief description of how you will complete each step. 6. Design a purchase plan poster that has a space for the ad, each step in your purchase plan, and artwork. 7. Present your purchase plan to the class. 82 Social Entrepreneurship UNIT 2 83 Reading Challenge Discuss the vocabulary below. Then, match each word to its definition. A 84 Reading Challenge Discuss the vocabulary below. Then, match each word to its definition. A 1. kiln a. burns without contamination 2. briquette b. stove 3. food waste c. illness in the lungs 4. fuel d. air that is contaminated 5. air pollution e. things that get thrown away 6. respiratory disease f. a type of fuel used for burning 7. clean burning g. a substance that when burned produces heat b f e g d c a 85 Reading Challenge Read about Sanga. B Sanga had a dream: He wanted to give clean, cheap, cooking energy. He also wanted to reduce air pollution and decrease the likelihood of respiratory disease. So, he quit his job and started working with engineering students. They designed kilns and briquetting machines that could turn food waste into fuel. Read what Sanga did, in his own words. How did you get started in your field of work? One day, I, visited my mother in my village. While walking home, I saw my 12-year-old sister carrying a heavy bundle of firewood on her head. She told me that she had missed school because she had to gather firewood. She also said she was tired of missing school to gather wood and started to cry. This upset me because I wanted my sister to stay in school. 86 Reading Challenge Read about Sanga. B So, I decided to quit my job and focus on finding a solution to the problem--overdependence on fuelwood. That way girls like my sister could stay in school. Everyone thought I was crazy! What has been your most rewarding or memorable experience in your field? The progress we have achieved so far has been very rewarding. Today, there are 2,500 farmers who use our kilns. These farmers also make extra income—up to $200 a month each. We have created a network of 460 women retailers who sell our clean cooking fuel. Each of these retailers earns up to $800 a month in extra income, and over 19,167 households, or about 115,000 people, now use our clean cooking fuel on a daily basis. The progress we have made so far has been very rewarding. 87 Reading Challenge Answer the following questions based on the reading. C 1. How much extra money can a farmer make by using a kiln? ____________________________________________________ 2. How many women retailers sell this fuel? ___________________________________________________ 3. What can you do with the skills you have learned to serve the economic and social development of your hometown? ____________________________________________________ $200 a month. 460. 88 Reading Challenge VISUALIZE Imagine you are a farmer using a kiln or a retailer selling clean cooking fuel. Write a business e-mail to Sanga, thanking him for what he has done. Don’t forget the parts of a business e-mail. D 89 null Other 153163.05 null Other 110396.43 $$