Mcmaster adjustment factor percentage. party/s68gj2n/cash-app-and-chime-settlement-2024.

Okay. English. Related reading: Terminal Handling Charges (THC) Explained. This means, your 100% average could plummet to <80%, depending on the school you attend. ) Resolution. 290 (Sub-No. Increased to a maximum of 2. 6 4U/4M courses. It allows you to continue at the University for one reviewing period. Ampacity correction and adjustment factors are based on the ampacity rating of the conductor insulation per Table 310. Squeeze the handles and the jaws automatically adjust to fit a workpiece and lock in place. Go to exam details. When calculating a sample size, we may need to adjust our calculations due to multiple primary comparisons or for nonadherence to therapy or to consider the anticipated dropout rate. For members under CalSTRS 2% at 60, a career factor of 0. 0754 Abilene, TX MSA Abilene, TX MSA 1. 9 percent. Import (MWh) GA price ($/MWh) Monthly GA Cost. 22181. ( b) Large urban location. , 1990). An alternative method to adjust the mass of an element set is to specify a scale factor. 00 paid exactly the correct amount of postage based on the sampling data. Where AF is the appraisal adjustment factor. Plastic-Head. If it adjusts the data automatically, logit will print a warning message. Jan 12, 1998 · 3. They have a lightweight and nonconductive plastic head and chemical-resistant 18-8 stainless steel threads. Because of COVID-19, the exam was cancelled, and replaced with an online test that lasted for 9 hours. 2. Phone number: (905) 525-9140 ext. 2 percent. Let’s debunk some of these common myths about McMaster University’s acceptance rate: 1. 614 products. Contractor B: Applies a coefficient of 1. RPC Logistics base their FAF on the variance between the base fuel rate (NZD$1. Oct 27, 2021 · October 27, 2021. The minimum feeder-circuit conductor size, shall have an allowable ampacity not less than the non-continuous load plus 125 percent of the continuous load. At 2 1/4" square and 1" wide, they fit easily in your pocket. Jul 28, 2011 · Objective We sought to determine if differences in the distribution and characteristics of adipose tissue between South Asians and white Caucasians account for differences in risk factors for cardiovascular disease. The factor is a value, with which the original value gets multiplied. The Family Assessment Device. logit can remap the proportions to the interval (adjust, 1 - adjust) prior to the transformation. The following table shows the undergraduate grading system used at McMaster University with the equivalent 4. The adjustment factor is ONLY USED for Waterloo Engineering applicants. Precision Turn-Lock Push/Pull Control Cables. Does other universities(such as UToronto, Western) have the same thing? Assuming McMaster University elects to be a Class B customer, its monthly GA costs are presented in Table 2, based on the 2018 and 2019 load and generation patterns. High-Pressure ThreadedPrecision Flow-Adjustment Valves. Here’s how to apply a coefficient for a JOC project. They have NPTF (Dryseal) threads, which are compatible with NPT threads. Waterloo Engineering’s admissions department secretly developed their Adjustment Factor, which normalizes grades from inflated institutions. (3) This systematic review identified four main themes: 1) a diversity of needs; 2) the need for proximity; 3) the need for meaningful relationships; and 4) the need for reciprocity. 99% for 2020. Flexible for weaving around obstructions, these ready-to-use cables operate valves, throttle controls, and HVAC damper controls from a distance. For example, according to the NECA Manual of Labor Units, working 10-hr days, five days a week can result in a productivity loss of 15% to 20% after six weeks, while 12-hr days during the same time period translates into a loss of as high as 35% to 40%. 15(B)(2)(a) Adjustment Factors for More Than Three Current-Carrying Conductors in a Raceway or Cable Number of Current-Carrying Conductors Percent of Values inTables 310. 2%. 0955 1. A high school in Hamilton got the largest adjustment. Fasten to doors, walls, and plate holders to identify locations and objects. & 100 sq. All Engineering Programs (Required Subjects) English. The dollar adjustment for an ocean view unit (subject) would be based on the non-ocean view unit sale in May 2018 (the most recent sale) of $385,000 x 33. These pins are often used as replacement parts when you don't have the pin you need on hand. P1 is the price of the more expensive property. Message Plates. Posted by u/Electronic-Heron4746 - 1 vote and no comments Dec 10, 2023 · The national average increase of the new OCAFs comes in at 5. They have a ball bearing tip that adjusts to angled surfaces and minimizes damage from surface contact. 6 senior academic courses. 6 IB courses at the Higher or Standard Level. Basic tax rates can range from a minumum of 0. If we want to find the percentage of a value with respect to the total value, we simply divide the current value by the total value and multiply the result by 100. US$ 60 + US$ 3000 = US$ 3060. Exams. 3 products. ton, DC 20423-0001This submission is the AAR forecast of the first quarter 2022 All-Inclusive Index and Rail Cost Adjustment Factor, filed in Ex Parte No. There continues to be a number of heightened cyber security incidents across Higher Education. How you apply to these programs depends on whether you’ll be considered a full-time or part-time student. Adjustment Factor. Decreased if you retire before age 62. 15(B)(3)(a) provides adjustment factors when installing more than three current-carrying conductors (CCC). The annual GA cost is estimated to be about $6. Apr 13, 2024 · Percentage of international students at McMaster University Academically outstanding students are determined by grades, test scores, and transcripts, and will have their applications rise to the top. Apr 1, 1995 · COPAS Annual Overhead Adjustment Factors from 1963 to the current available COPAS Overhead Adjustment Factors; Date Percentage Date Percentage; 4/1/1965: 0. 0683 South Region 1. This tool will help you quickly convert marks between different grading systems. A good example of combining quantitative and qualitative research can be seen in the work of: Nov 1, 2009 · When more hours per day and days per week are worked, loss of productivity becomes even higher. While McMaster University is known for its competitive admission process, acceptance rates can vary widely across different programs and faculties. 0812 1. 19 as Adjusted for Ambient Temperature if Necessary 4–6 80 7–9 70 10–20 50 21–30 45 31–40 40 41 and above 35 (b) More Than One Conduit, Tube In the 2023/2024 academic year, 17% of all McMaster students were international students, from 120 countries. To measure angles from a distance and hear the measurement read aloud, download an app to connect your device to these angle indicators. Valves. MFA is an IT Security best practice and has full support from McMaster’s senior Factors such as driving force or an inclined Free travel of stroke is the percentage of the stroke that speed limiters move Variable Adjustment. 15 percent within limits (PWL) - The percentage of the lot falling above a lower 2. 0656 Clean Room Pressure-RegulatingValves for Water, Air, and Inert Gas. 5) (2022-1) Quarterly Rail Cost. Evidence supporting family therapy has been especially strong for: All of the answers are correct. 2022. Feb 23, 2023 · multiplying the federal portion of the Diagnosis-Related Group (DRG) payment by the DSH adjustment factor, and beginning for discharges occurring on or after October 1, 2014, the additional payment is determined by multiplying the DRG payment by the DSH adjustment factor reduced by 75 percent. Waterloo's Engineering facility uses the adjustment factor to see which schools have low or high grade inflation. 22815 or ext. They have a flat, low-profile head that fits in tighter spaces than bent-head pins, but they're not as easy to grip. Note 3: G6 consists of McMaster and Ontario peers. Anxiety. They’re for use with water, oil, air, and inert gas. Fuel prices change daily which can result in significant variations over the course of time. John T. 1 3/16 ". PAF is a way to take the quality measured during all samples and project that quality across the entire month’s mailings. Therefore, the subject unit with an ocean view would be $513,000 ($385,000 + $128,000). Academic Standing is the statement of the academic performance of a student at the end of Winter or Spring/Summer terms. The state adjustment factor acts as an assessment on all employers and uniformly levies the common benefit costs that are paid out of the Pennsylvania UC Fund, but which are not charged to any specific employer account. 6 (plus your score from your AIF). 106. By doing this for all their First Year Engineering students, they can get a rough estimate Mar 4, 2022 · format – therefore, 1. McMaster will be requiring Multi-Factor Authentication (MFA) on Microsoft 365 services for all students, faculty and staff, beginning January 2022. Flip the lever to start and stop flow; turn the dial to adjust flow. For instance, while Connecticut sees an increase of 16. The table below lists the formula used to determine the PAF percentage: A mailer with a PAF of 1. If there is more than one primary outcome variable (for example, co-primary outcomes) or more than one Apr 11, 2023 · When 94% is not 94%. FAF in vWork simplifies how you manage variations in fuel costs by eliminating the need to adjust base transportation rates for hours worked, distance traveled, and other transportation costs. Previously, the table only applied when there were more than three CCC “in a raceway or cable”. It used the same portal as the homework, so 10 attempts per question. 6a. 65 percent to a maximum of 12 percent. 02 = $60. 2023. ε = strain =. x 4" Wd. 2021: 2. 8 years) and white Caucasians (34. But it was hard. 106 (b). 32° to 125°. Tighten the locknut to secure your setting in applications where severe vibration is a concern. Gray. These pliers stay clamped on your work to leave your hands free; press the lever to release. Choose from our selection of hydraulic buffers, including over 130 products in a wide range of styles and sizes. MFA assists in protecting accounts from being compromised, and it also minimizes access to your data in the event your account does becomes compromised. 1" 5. Mar 16, 2011 · The Department of Housing and Urban Development establishes the rent adjustment factors — called Annual Adjustment Factors (AAFs) — on the basis of Consumer Price Index (CPI) data relating to changes in residential rent and utility costs. When the mass adjustment is defined using a scale factor, you can maximize the minimum stable time increment in the initial configuration for an element set by redistributing either the total mass or only the added mass among the elements in that set. Nov 14, 2016 · Pennsylvania. 2% will be added to your age factor if you retire with at least 30 years of earned Use these attachments to mount indicators in chucks, tool posts, height gauges, or a variety of other setups. Easy to setup and easy to use. ca. 80%: 4 For members under the CalSTRS 2% at 62 benefit structure, your age factor is: Set at 2% at age 62. 4% if you retire at age 65 or later. Minimum Requirement. Valve Type: Pinch. An adjustment factor is a value calculated by averaging a student's scores across all five categories and dividing this by the average of the overall rating each team member received. • The minimum feeder-circuit conductor size, before the Gauge factor (GF) or strain factor of a strain gauge is the ratio of relative change in electrical resistance R, to the mechanical strain ε. Waterloo also applies the concept between provinces in Canada, and for international applicants. In patients who are more than 30% of an amputation ideal weight, an "amputation adjusted weight" may be used. Enter mark in the From field, select grading systems, and then click Convert. Choose from our selection of compression springs, extension springs, and more. A percentage calculator operates under fundamental principles using the following formulas: 1. (See 42 Code of Federal Regulations (CFR) 412. For Use With: Water, Oil, Air, Deionized Water, Diesel Fuel, Ethylene Glycol, Fuel Oil, Isopropyl Alcohol, Kerosene, Methanol, Mineral Spirits, Sodium Hydroxide, Sodium Hypochlorite. Std. #4. Panel-Mount High-Pressure ThreadedPrecision Flow-Adjustment Valves. Sometimes known as two-step verification, multi-factor authentication (MFA) adds an extra layer of protection to help prevent hackers from accessing your email and account — even if they have your password. My school's adjustment factor is 18 which means it is next to impossible to get into Waterloo SWE(One I applied to) cause you need like a 97 to be competitive already but with the extra 4 percent you need a 100. Table 310. Pedestal (35" Ht. "We're not dependent on them from a funding perspective," he said. If you ever need to reach the Health Sciences office, please use the information below. 14 pay factor (PF) - A multiplication factor, often expressed as a percentage that considers a single quality characteristic and is used to determine the contractor’s payment for a unit of work. 203 products. Class 100 and ISO Class 5 clean room standards and have a 316 stainless steel body with a smooth finish to resist dust collection. For technical drawings and 3-D models, click on a part number. 4, your average after will be 80. Handbook: Geozone. Use these cables for high-precision motion control. 1% in 2022/2023. That makes the total cost for the task $22,430. 4 per cent of students who enrolled in all first-year programs in 2017 had a Grade 12 average mark of 90 or higher. Choose from our selection of panel mount noncontact flow adjustment valves in a wide range of styles and sizes. Change the usable length by inserting a cotter pin into one of the holes, which are spaced 1/4 " apart. 5. If p=0 p= 0 or 1 1, then the logit is undefined. This percentage is calculated monthly and appears on transport invoices as a life adjustment factor for reliability (table 3, values in accordance with ISO 281) a SKF: life modification factor: C: basic dynamic load rating [kN] P: equivalent dynamic bearing load [kN] n: rotational speed [r/min] p: exponent of the life equation = 3 for ball bearings = 10/3 for roller bearings Jan 18, 2024 · Of McMaster's roughly 32,000 students, Farrar said, about 5,000 are international. 0930 West Region 1. 4D which #12 would be 20A. 16 through310. 0. common answers): 76. For example, if you have a 93 average and your school's adjustment factor is 12. 3" The average on the first midterm was 67%, and the average on the second midterm was 60%, so not the best. Body composition, adipocyte size Glossary of academic terms. Adjust the difference using a threshold amount (50 sq. Academic Probation may be assigned if your Grade Point Average (GPA) is at least 3. So, CAF will be US$ 3000 x 0. 0758 1. There was no surcharge applied to the minimum rate in 2020, but there is a surcharge of 2. 9% decrease. Landscape Area is square feet of planted area. - functional family therapy. Currency Adjustment Factor (CAF) is a charge levied by some shipping lines on trade lanes to cover such financial losses. 15(B) (3) (a) the adjustment factor of 7-9 current caring conductors is 70% assuming the ambient temperature is 30 Degrees Celsius. When determining conductor ampacity under the condition where the ambient temperature is not 86°F (30°C) or the raceway contains no more than three current-carrying conductors, we must use the ampacity listed in the 90°C column of Table 310. 3 percent. The productivity adjustment factors (PAF) for each quarter are calculated by Sep 13, 2018 · Of the five private schools on the list, four had adjustment factors above 16 per cent. Create a self-aligning carriage and guide rail system to compensate for mounting surfaces that aren'tparallel. - Evidence supporting family therapy has been especially strong for: - Parent management training. Thumb Screws. May 16, 2013 · On table 310. Choose from our selection of adjustable plates, including fine-adjust cross-slide tables, fine-adjust rotary cross-slide tables, and more. Senior Vice President - Policy & Economics. This value is meant to be used as a way to evaluate how well students can work in teams and can be used as a percent if you multiply it by 100. Flow-Adjustment. Note 2: Headcount includes three, four, and five-year degree-seeking students. Dec 5, 2018 · A recent systematic review of 14 studies examined the social needs of people over 65 and identified ways to contribute to their well-being. 8%. 1000. Note 1: Retention rate is the percentage of first-time, full-time freshmen in a given fall term who returned to the institution in a subsequent fall term. 0743 1. Jun 17, 2021 · Applying a JOC Coefficient. See Model Form Interpretation 50 (MFI-50), Overhead Adjustment Index for guidance regarding use of the replacement index in calculating the overhead adjustment, as well as other economic factors, such as the loading and unloading rates. 425M. It is free, easy-to-use and available to all students, faculty and staff. If something declines for 30 percent, the OSAP/government aid is available for full-time AND part-time students in both undergrad AND grad studies. 0 scale. Now it is clear that the adjustment factors in the table are not just required when a raceway or cable contains more than three CCC. Also known as pinch valves, these press down on the outside of tubing to adjust flow without contacting the process media. These factors are derived from changes in nine specific cost components, for example, electricity, employee benefits/wages, and property taxes. Let’s say the cost for a certain construction task is $20,000. Jul 27, 2023 · The following formula is used to calculate an appraisal adjustment factor: AF = P1 - P2 / SQF1-SQF2 AF = P 1 − P 2/SQF 1 − SQF 2. 5 percent applied to the rate for 2021. COPAS publishes this rate as a convenience to the industry. Valve. December 3, 2021. 9 per cent . Push the zero button to calibrate these indicators to any surface. 62 is a unit conversion factor to result in gallons. 15 Excl GST) and current fuel pricing (Refer FAF Calculation Table above). In stock and ready to ship. This adjusted body weight uses an adjustment factor of 0. 98% of products ordered ship from stock and deliver same or next day. Precise-Fit Adjustable Pliers for Rounded Fasteners. 0000. 2019: 2. The current version of the FAD is a 60-item self-report questionnaire with each item scored on a four-point scale (1-4), from ‘strongly agree’ to ‘strongly disagree’ (e. 15(B)(16). Self-Adjusting Locking Pliers. Details. The percentage of undergraduates registering with an admission average of 90% and above has risen from 13. Δ L / L 0 {\displaystyle \Delta L/L_ {0}} Δ L {\displaystyle \Delta L} = absolute change in length. Designed for high-pressure instrumentation applications, these valves are rated for up to 10, 000 psi and have a hex nut and threads below the handle for panel mounting. FAF Explained. Letter Grade. The ** stands for the maximum overcurrent rating 240. Table 2: McMaster GA Costs as a Class B Customer. 0769 1. Use with water, oil, air, and inert gas. Turn the handle to adjust flow in small increments for metering, sampling, and other applications requiring fine flow control. The curved jaws grip a variety of shapes and have a blade for occasional wire Dec 4, 2020 · The weighted average Class I railroad rate for 2021 is 5. Calculating percentage: Percentage = (Value / Total Value) * 100. Percentual value: Factor: Decimal places: Example: if something raises for 70 percent, then the factor is 1. 62, where: ETo is inches of water for the time period of interest (day, week, month, year). 2020: 2. Waterloo’s adjustment factor is calculated by taking their Engineering students’ First Year University grades and subtracting it from their Grade 12 High School admission grades. ) McMaster-Carr is the complete source for your plant with over 700,000 products. State Adjustment Factor. Here are the national average OCAF increases from the past five years. Productivity ch anges are calculated by multiplying each of the five productivity changes toget her and taking the result to the one-fifth power. For discharges occurring on or before September 30, 2007, CMS provides an additional payment to a hospital located in a large urban area equal to 3. The University also reported a $122. A hospital is classified as a “disproportionate share hospital” for the purposes of capital prospective payments if either of the following conditions is met: ( 1) The hospital is located in an urban area, has 100 or more beds as determined in accordance with § 412. 7 million negative registered pension plan re-measurement adjustment related to actuarial losses mainly arising from the new provincial pension requirement for a Provision for Adverse Deviation (PfAD). x 4" Dp. Myth: McMaster University has a low acceptance rate across all programs. Hydraulic Shock Absorber. 2024. g. Often used in hydraulic and compressed air systems, these valves can withstand at least 6, 000 psi. By 2020, that proportion rose to 63. English A1. Highlights include May 4, 2022 · The ocean freight is estimated at US$ 3000. 1215. Contractor A: Applies a coefficient of 1. The true percentage will be shown on the Contribution Rate Notice (Form UC-657). SQF1 is the total square footage of property 1. Adjusted body weight is commonly used for calculations like creatinine clearance. 06 underpaid by 6 percent. FY 2024 Contract Rent Annual Adjustment Factors Schedule C -- Table 2 Region/Metropolitan Area Name Metropolitan Component Areas Highest Cost Utility Included Highest Cost Utility Excluded Northeast Region 1. Choose from our selection of adjustable wheels, including threaded-stem leveling casters, leveling jacks, and more. Email : bhsc@mcmaster. The Fuel Adjustment Factor (FAF) is a percentage-based surcharge that is easily added to transportation line items in an invoice. Nov 30, 2023 · The OCAFs for 2024, effective from February 11, 2024, present diverse adjustments across states. Kabacoff et al. 5 Multiple Response Frequency of Factors Negatively Affecting Future Employment Multiple Response Frequency of Anticipated Post-Return Adjustment Problems Full-time Regular Session Enrollment, 1980-1981 to 1987-1988 Annual Percentage Change of Visa Students and Non-Visa Students, 1981-1982 to 1987-1988 Level of Economic Development of Countries Jun 20, 2023 · At McMaster University, 50. The questionnaire may be completed by individual family members over the age of twelve years. 3" 4. Fine threads give you precise control. Remote Readout. ← Back to Index. For Max. A mailer with a PAF of 1. These pliers have a bottom jaw that is shorter than the top for a firm grip on the flats of bolt heads and nuts that have rounded corners. Additionally, a CAF charge of 2% is applicable to this shipment. So a car that achieves 300 miles of range during the city-cycle dynamometer test ends up with a 210-mile city rating. 4 (or 40%). Jun 14, 2023 · Adjust the actual calculated difference between Subject GLA and Comp GLA sq. Gallons of Water = ETo × PF or Kc × Landscape Area × 0. Selectable-Length Clevis Pins. The quantum of CAF could be on a percentage or per container basis. Move the curved jaws to 15 positions for fine adjustment. The increase reflected McMaster’s im-proving operating performance in recent years. The adjustment factor equals the hospital wage index value applicable to the hospital raised to the . Choose from our selection of adjustable motor-mounting bases, single-column table legs, hydraulic lift kits for workbenches, and more. If the pay range for this geozone is to differ by a certain percentage from that for another geozone, you can specify the percentage here. Sep 11, 2023 · Don’t be afraid to reach out to someone with questions or concerns about the program, student life, or extracurricular opportunities. : 23. ft. 1 1/2 ". Dec 3, 2021 · Adjustment Factor. The formula for the calculation is: factor = ( percentual value + 100 ) / 100 or percentual value = 100 * factor - 100. Thread these dispensers directly into bearing housings, pumps, and other machinery. It was second period and Andrew Wang was supposed to be concentrat­ing on English class. Pocket Digital Angle Indicator. McMaster / Microsoft 365 MFA is available for all members of the McMaster community for their MacID account. Self-AligningSide-Mount Track Roller Carriages and Guide Rails. Turn the handle to adjust flow in small increments for metering In Waterloo, there is something called "grade adjustment factor", it adjusts your score up or down by a certain percentage depend on your school. 15(B) (16) THHN on the 75 degree column #12 is rated at 25A**. 1. 10 - Adjustment Factors for Sample Size Calculations. Updated. 2 years) within three BMI strata. A controvers­ial adjustment factor helps the University of Waterloo sort through applicatio­ns for its highly competitiv­e engineerin­g program. 105 (b), and serves low-income patients as determined under § 412. 025 is the same as an increase of 2. 0 Choose from our selection of precision-adjustment set screws, including over 90 products in a wide range of styles and sizes. The gauge factor is defined as: [1] where. Viscosity. • The minimum feeder-circuit conductor size, before the application of any adjustment factors. (In other words, don’t adjust for the first 50 or 100 square feet difference) While I didn’t ask for explanations, some appraisers offered one – mostly Aug 30, 2020 · The default adjustment factor reduces the window-sticker range by 30 percent. 0 but less than 3. 0571 Midwest Region 1. The Anatomy Of A Sea Freight Invoice. Push and hold the button to adjust the jaws, and then release the button to lock them in place. 4%, California faces a 23. May 1, 2023 · But not all grades are treated equally. PF or Kc are assumed by the user or taken from an accepted reference. P2 is the price of the cheaper property. A diversity of needs. McMaster University Annual Financial Report | 2022-2023 | 3 | Year in Review This Annual Financial Report highlights McMaster’s key achievements and initiatives in 2022/23, the second year of the updated strategic plan focused on serving societal health and well-being living within a sustainable global ecosystem. 69%, compared to 0. 0000000. Jun 8, 2007 · The factor structure, internal consistency, and concurrent validity of three versions of the FAD GF scale were examined, including a one-factor, 12-item model, a one-factor, 6-item model, and a 3 . 5 or 6 Grade 12 academic courses. 33 percent or $128,320 (rounded to $128,000). Research Design and Methods We recruited 108 healthy South Asians (36. To maintain contaminant-free standards in clean room environments, these valves come cleaned and bagged to Fed. Jan 13, 2022 · Multi-Factor Authentication (MFA) is a method used to secure McMaster email and associated Microsoft applications. 5 percent. 9% in 2000 to 70. Nov 14, 2016. The quick brown fox jumped over the lazy dog. International graduate students represented 29% of the graduate student body in fall 2022/2023. This field is informational only and is not used to calculate compa ratio or range penetration. The calculation of the freight rate will be as follows: Currency adjustment factor + freight rate = currency adjusted freight rate. Get started and use the “Full-Time OSAP” or “Part-Time OSAP” tabs for step-by-step guides! The RO Student Services office is Apr 20, 2015 · Fig. McMaster is dedicated to a diverse student body and will factor in underrepresented persons during admissions. 5% from the prior year. Although the 2024 increase isn’t as much as it was in 2023, it’s significantly higher than what was considered a normal increase before the pandemic. 7. Turn the screw in the handle to adjust the pressure. 6848 power and is applied to 100 percent of the Federal rate. 3. Mount and support shelves. The head is knurled for slip-resistant controlled adjustment. Computes the logit transformation logit =\log [p/(1-p)] = log[p/(1−p)] for the proportion p p. Exam schedule, locations, deferred exams, external exams, as well as what you need to know before, during and after your exams. kz dh pi bg ca rm hl sm gy la