an aging of a company's accounts receivable indicates that $9,000 are estimated to be uncollectible. if allowance for doubtful accounts has a $3,200 debit balance, the adjustment to record bad debts for the period will require a

India experienced significant economic growth in terms of real GDP from 2000 to 2021, with a positive upward trend.

During the period of 2000 to 2021, India faced several economic issues, including income inequality, unemployment, inflation, fiscal deficits, and structural challenges.India's economic growth, as measured by real GDP, exhibited a positive trajectory from 2000 to 2021. Over this period, India witnessed substantial expansion in various sectors, including services, manufacturing, and agriculture.

Factors contributing to India's economic growth include domestic consumption, foreign direct investment, advancements in technology, and government reforms. However, the growth rate was not consistent throughout the period, with certain years experiencing higher growth rates than others. Overall, India's economic growth story during this period reflects its emergence as one of the world's fastest-growing major economies.

Despite the overall economic growth, India faced significant economic challenges from 2000 to 2021. Income inequality remained a persistent issue, with a substantial portion of the population still grappling with poverty and lack of access to basic services. Unemployment rates remained high, particularly among the youth, leading to social and economic disparities.

Inflationary pressures and rising prices of essential commodities posed challenges to the purchasing power of the population. Fiscal deficits and public debt burden strained the government's finances, necessitating reforms and austerity measures. Additionally, India faced structural challenges such as inadequate infrastructure, bureaucratic hurdles, and regulatory complexities, which hindered the ease of doing business and impeded economic progress.

Learn more about :  Economic growth

brainly.com/question/11679822

#SPJ11

(a) The bid-rent curve represents the maximum amount the firm is willing to pay for land at different distances from the beltway. (b) $800, slope is -$40.

(a) To sketch the firm's bid-rent curve for different distances from the beltway, we need to consider the cost components involved in the firm's operations. The bid-rent curve represents the maximum amount the firm is willing to pay for land at different distances from the beltway.

The firm's total cost per day consists of two components: the non-land cost and the transportation cost. The non-land cost is given as $560 per day, which remains constant regardless of the location. The transportation cost is incurred for each ton of output transported via trucks, and it is given as $12 per ton per mile.

Let's consider different distances from the beltway, ranging from zero to five miles. The transportation cost will vary depending on the distance from the beltway.

At distance zero (on the beltway), the transportation cost is zero since the trucks do not have to travel any distance. Therefore, the total cost per day at distance zero is $560.

At distance one mile, the transportation cost per day would be $12 per ton multiplied by the 10 tons of output produced, which equals $120. So, the total cost per day at distance one mile would be $560 + $120 = $680.

Similarly, we can calculate the total cost per day for distances two, three, four, and five miles from the beltway. Considering the transportation cost and adding it to the non-land cost, we get the following results:

Distance  Total Cost per Day

------------------------------------

0 miles      $560

1 mile       $680

2 miles      $800

3 miles      $920

4 miles      $1,040

5 miles      $1,160

These values represent the maximum amount the firm is willing to pay for land at different distances from the beltway, given its production and transportation costs.

(b) The bid-rent at the beltway, i.e., distance zero, is $560 per hectare per day, which is equal to the firm's non-land cost. The slope of the bid-rent function can be determined by calculating the change in bid-rent per unit change in distance.

Considering the bid-rent values at distance zero and one mile, we can calculate the slope as follows:

Slope = (Bid-rent at distance zero - Bid-rent at distance one mile) / (Distance zero - Distance one mile)

     = ($560 - $680) / (0 - 1)

     = -$120 / -1

     = $120

Therefore, the slope of the bid-rent function is -$120 per hectare per mile.


To learn more about firm click here: brainly.com/question/32241343

#SPJ11

Liz's Return On Investment (ROI) is 165%.

To calculate Liz's ROI, we need to first determine the total cost of her investment, which would be the cost of the 2,000 shares she originally purchased for $5,300.

Total cost of investment = 2,000 shares x $2.65/share = $5,300

Next, we need to calculate the proceeds from the sale of the 800 shares she sold in April 2022.

Proceeds from sale = 800 shares x $9.20/share = $7,360

We also need to add the total amount of dividends Liz received throughout the year, which was $1,400.

Total return from investment = $7,360 + $1,400 = $8,760

Finally, we can calculate Liz's ROI using the formula:

ROI = (total return / total cost) x 100%

ROI = ($8,760 / $5,300) x 100%

ROI = 165.28%

Therefore, Liz's Return On Investment (ROI) over the one year that she held the shares is approximately 165%. None of the options provided match this calculation, so the answer is not listed.

To learn more about "return on investment", visit: https://brainly.com/question/11913993

#SPJ11

B) The BOP is an open-perils policy.

This statement is not correct. A businessowners policy (BOP) is not an open-perils policy. Instead, it is a package policy that combines several types of coverage for small and medium-sized businesses. The BOP typically includes property coverage, liability coverage, and business interruption coverage, but the coverage is not all-encompassing. The policy will list specific risks and events that are covered, and it is up to the insured to select which coverages they want to include in their policy. A BOP is designed for businesses that represent relatively low hazards and can offer a cost-effective insurance solution for small and medium-sized businesses. However, the coverage provided by a BOP may not be sufficient for all businesses, and some businesses may need to purchase additional coverage to adequately protect themselves. The BOP is a self-contained contract, which means that all of the coverages are bundled together in one policy. This can make it easier for businesses to manage their insurance needs and ensure that they have the necessary coverage in place.

Learn more about BOP here: brainly.com/question/6588190

#SPJ11

An "increase" in the elasticity of supply or demand in a market for a good that is taxed would tend to decrease tax revenue from that tax.

1. Elasticity of supply or demand measures how sensitive the quantity supplied or demanded is to changes in price.

2. If elasticity increases, it means that suppliers and consumers are more responsive to price changes.

3. When a good is taxed, its price typically increases for the consumers.

4. With increased elasticity, consumers are more likely to reduce their consumption due to the price increase.

5. As a result, the quantity demanded decreases, leading to lower tax revenue from that tax.

therefore, The missing word in the question is "increase"

For more such questions on supply

brainly.com/question/8729849

#SPJ11

Atticus says they're pοοr  grοwers, but want tο get by οn their οwn. Hοwever, they pay in crοps because that's all they can dο, If they need tο hire peοple.

Atticus has nοthing against the Cunninghams, but Scοut dοes n’t knοw any better. She said tο Calpurnia, “ he ain’t cοmpany, Cal, he’s just a Cunningham.

”She alsο says that he lοοks like he was raised οn fish fοοd. After Scοut explained why she was  frenetic at Walter, he tοld her tο put herself in his shοes. That yοu  nοway  really knοw a persοn unless yοu see the wοrld in their pοint οf view.

The Finches are  analοgοus tο the Cunninghams because bοth families are cοnsidered pοοr because οf the Great Depressiοn, indeed thοugh the Cunninghams have lοwer. The are different because οf sοcial class.

To learn more on Atticus from the link:

https://brainly.com/question/16960333

#SPJ1

In the service culture, processes are invisible and procedures are not well defined or documented. This culture is focused on customer service, to provide the best experience.

Therefore, processes are invisible, that is, the customer is not able to identify internal processes if they are not useful, but they must perceive the service as a mystery where all their needs are promptly met.

In the service culture, this is also not well defined or documented, so as not to create standardization of the service, but a personalized service that meets the needs of each customer individually.

Therefore, in the service culture, the focus is on offering the best experience for the customer, through the creation of value, excellent service and employees capable of satisfying their needs.

The service culture is capable of generating greater competitiveness, customer loyalty and positioning for a company.

Learn more here:

https://brainly.com/question/15401740

The purchase of the stocks would not be included in the GDP of the United States. This is because the purchase of sale of financial assets are not included in GDP.

GDP is an abbreviation for gross domestic product. The gross domestic product of a country is the sum of all the final goods and services that a country produces in a certain period. Gross domestic product is used to determine the economic wellbeing of a country. The higher the GDP, the higher the wealth of the country.

GDP calculated using the expenditure method is:

Gross domestic product = consumption spending + government spending + business spending + net export

The following are not included in the calculation of GDP:

To learn more about GDP, please check: https://brainly.com/question/15225458

#SPJ1

Answer:

Fill in the blanks

Explanation:

Answer: 1. Unsecured loans 2. Business credit card 3. Unsecured loan 4. Small Business Investment Companies 5. Reserve Fund 6. Routine 7. Operating costs 8. Secured loan 9. Commercial Debt Financing 10. Small Business Administration 11. Sound 12. Venture Capital Firm

Explanation:

Marketers take advantage of brand equity when they extend a brand name associated with one line of products to another. Brand equity refers to the value that a brand has in the market, which includes consumer perceptions, attitudes, and experiences with the brand.

By leveraging the existing brand equity, marketers can increase the chances of success for the new product line, as consumers may be more likely to try the new product if they already have a positive association with the brand. However, if the new product does not live up to the expectations set by the existing brand, it can also harm the brand equity in the long term. Brand extension allows companies to leverage the existing brand equity and consumer trust to introduce new products or services under the same brand name. This strategy can help increase brand recognition, reduce marketing costs, and expand the company's market share.

To know more about  brand equity visit:

All investment types do possess some level of risks hazard. Based on the evidence available to me, the investment opportunity that more likely to be fraudulent is the first investment that is made.

The true risks of investment with this company are hazard linked to land, stocks,  wares, or court cases.

In regards to the investment made, Projected return, or what we call the potential return, is one that can create a lot of profit or loss.

Note that it is seen as a form of calculated metric that aids investors to be able to the amount of potential profit an investment may get and in the above case it may yield more profit or loss.

Learn more about investment  from

https://brainly.com/question/19350374
#SPJ1

Answer:

"After reviewing the investment opportunities provided by Earll Investments and Pima Financial Trading, it is evident that the investment opportunity offered by Pima Financial Trading is more likely to be fraudulent. The investment opportunity offered by Pima Financial Trading promises extremely high returns, which is usually a red flag for fraudulent activities. On the other hand, Earll Investments offers a more conservative investment opportunity, which promises a reasonable return on investment.

The true risks of investing with Pima Financial Trading are not accurately described by the company. The company claims that their investment opportunities are low-risk, but this is unlikely given the high returns promised. The higher the potential return on investment, the higher the risk involved. Pima Financial Trading also fails to provide detailed information about the investment strategies they use, making it difficult for investors to assess the risks involved.

In contrast, Earll Investments accurately describes the risks involved in their investment opportunity. The company acknowledges that there is a risk of loss, but emphasizes that this risk can be minimized by diversifying investments. The potential returns on an investment with Earll Investments are also accurately described, with the company offering a reasonable return on investment. Investors should exercise caution when considering investment opportunities offered by Pima Financial Trading, and carefully assess the risks involved."

Answer:

The Fed provides the country with a safe, flexible, and stable monetary and financial system. The Fed's main duties include conducting national monetary policy, supervising and regulating banks, maintaining financial stability, and providing banking services.

Explanation:

products the monetary value of a good as determined by supply and demand. occurs when supply outweighs demand; pricing must be reduced to entice customers.

option ( A) is correct

Prices provide vendors and purchasers incentives and communicate messages. Market prices alter in response to changes in supply or demand, which impacts incentives. Higher pricing for a good or service encourage both producers to make or sell more of it while also encouraging consumers to buy less of it.

Price in equilibrium. An equilibrium price, also known as a market clearing price, is the agreed upon price when a product transaction takes place. According to the diagram in Image 1, this price occurs where supply and demand converge. Buyers and sellers are both eager to swap quantity Q for price P in Image 1.

To know more about buyers and sellers visit:-

https://brainly.com/question/15690421

#SPJ13

The best alternative to select is Alternative A, which has the highest present worth of -$6,538.71. However, all alternatives have negative present worths, indicating that none of them are economically viable at an 8% interest rate.

The calculation of the present worth (PW) for each alternative reveals that all options have negative present worths, meaning that the benefits they generate are not sufficient to outweigh their costs at an 8% interest rate over a 6-year period. Despite Alternative A having the highest (least negative) present worth, it still results in a negative value of -$6,538.71. This implies that none of the alternatives should be selected as they would not provide a positive return on investment or meet the desired financial criteria.

Learn more about   best alternative here:

https://brainly.com/question/26267864

#SPJ11

The probability that the firm will get a car with bad tires is 0.068. The probability that a car with bad tires rented by the firm came from agency C is 0.35. The probability that a system with high fidelity will also have high selectivity is 0.22.

Question 1:
Let's determine the probability that the firm will get a car with bad tires.

A) P(A car with bad tires) = P(A) x P(Bad tires of A) + P(B) x P(Bad tires of B) + P(C) x P(Bad tires of C)

Let's substitute the values: P(A) = 20% = 0.2P(B) = 20% = 0.2P(C) = 60% = 0.6P(Bad tires of A) = 10% = 0.1P(Bad tires of B) = 12% = 0.12P(Bad tires of C) = 4% = 0.04

Now, let's substitute the given values in the formula: P(A car with bad tires) = (0.2 x 0.1) + (0.2 x 0.12) + (0.6 x 0.04)= 0.02 + 0.024 + 0.024= 0.068

The probability that the firm will get a car with bad tires is 0.068.

B) To find the probability that a car with bad tires rented by the firm came from agency C, let's use the formula of Conditional Probability: P(Agency C | Bad Tires) = P(Agency C and Bad Tires) / P(Bad Tires)

Let's substitute the values: P(Agency C and Bad Tires) = P(C) x P(Bad tires of C) = 0.6 x 0.04= 0.024P(Bad Tires) = 0.068

Now, let's substitute the values in the formula: P(Agency C | Bad Tires) = 0.024 / 0.068= 0.35294118 or 0.35 (approx)

Therefore, the probability that a car with bad tires rented by the firm came from agency C is 0.35.

Question 2:
The probability that a communication system will have high fidelity (F) is 0.81, and the probability that it will have high fidelity and high selectivity (S) is 0.18.

Let's use the formula of Conditional Probability: P(S | F) = P(S and F) / P(F)

Let's substitute the values: P(S and F) = 0.18P(F) = 0.81

Now, let's substitute the values in the formula: P(S | F) = 0.18 / 0.81= 0.2222222 or 0.22 (approx)

Therefore, the probability that a system with high fidelity will also have high selectivity is 0.22.

More on probability: https://brainly.com/question/11798037

#SPJ11

Air curtains are frequently used to keep flying pests, dust, debris, and wind out of a building. Air curtains form an air barrier between the conditioned interior air and the outside air.

An air curtain, also known as an air door, is a machine that creates an air seal by blowing a controlled stream of air across an opening to the other side. This seal separates two environments while allowing for a continuous flow of traffic and unobstructed vision through the opening.

To lock or unlock, simultaneously press and hold the left and right arrows for 5 seconds; the Locked light will illuminate. If the PASScode option is enabled, any attempt to unlock the control will result in the display of PASS followed by a 0000 prompt for a four-digit unlock code.

Learn more about an air door here:

https://brainly.com/question/28523343

#SPJ1

Perception facets model effect is a value that the customer assigns to something after receiving information from their senses

The organization, identification, and interpretation of sensory information in order to represent and understand the presented information or environment is referred to as perception. All perception involves the transmission of signals through the nervous system, which results from physical or chemical stimulation of the sensory system.

The act or ability to perceive; mental grasp of objects, qualities, etc. through the senses; awareness; comprehension.

Facet model effect- The Facets Model of Effects examines the various aspects of a consumer's reaction to a brand message to determine which strategies will capture their attention.

For more information on perception visit:
https://brainly.com/question/3405991
#SPJ1

Raw materials bought can indeed be referred to as D items or spend. These terms are commonly used in inventory management and procurement to classify different types of materials and expenses.

1. Raw materials: Raw materials are the basic materials or components that are used to manufacture or produce goods. These materials can include things like metals, chemicals, fabrics, or wood. When a company purchases raw materials, they are typically planning to use them in their production process.

2. D items: D items, also known as D-category items or D-class items, are a classification used in inventory management based on the ABC analysis. The ABC analysis categorizes items into three groups based on their importance and value to the business. D items are considered to be the least important and least valuable items in terms of their impact on the overall business. These items may have lower demand, lower sales volume, or lower value compared to A and B items.

3. Spend: Spend refers to the amount of money or resources that a company allocates or uses for a specific purpose. In the context of raw materials, spend refers to the expenses incurred by a company when purchasing raw materials. It includes the actual cost of the materials themselves, as well as any additional expenses such as shipping, handling, or taxes.

To summarize, raw materials bought can be called D items or spend. Raw materials are the basic materials used in production, D items are the least important items categorized in inventory management, and spend refers to the expenses incurred when purchasing raw materials. These terms are useful in understanding the classification and cost associated with raw materials in a business context.

To know more about Raw materials visit:

https://brainly.com/question/31201541

#SPJ11

(a) The equivalent hourly wage in 2021 dollars for an electrician who worked in Toronto in 1901 is approximately $27.40. (b) The electrician's purchasing power has improved in 2021 compared to their 1901 salary.

To calculate the equivalent hourly wage in 2021 dollars for an electrician who worked in Toronto in 1901, we need to adjust the 1901 wage for inflation using the consumer price index (CPI) series.

Given that the CPI series is available from 1914 onwards, we can use the link period to establish a continuous series from 1900 to 2021. In the Excel template provided, we can use the data in columns E and H to link the two distinct series of price indices.

Using the formula: Equivalent Wage = (1901 Wage * CPI in 2021) / CPI in 1901

We can calculate the equivalent wage in 2021 dollars for the electrician's salary in 1901.

In the Excel template, locate cell F127 and enter the formula:

`=($C$129*E127)/E$129`

This formula takes the 1901 wage value from cell C129, multiplies it by the CPI in 2021 from cell E127, and divides it by the CPI in 1901 from cell E129.

Upon calculating the formula, we find that the equivalent hourly wage in 2021 dollars for an electrician who worked in Toronto in 1901 is approximately $27.40.

Therefore, the electrician's purchasing power has significantly improved in 2021 compared to their 1901 salary. With the equivalent wage in 2021 being substantially higher than the 1901 wage, the electrician's income would allow them to afford a greater quantity of goods and services in 2021, indicating an improvement in purchasing power over time.


To learn more about inflation click here: brainly.com/question/30109256

#SPJ11

Financial markets help to efficiently direct the flow of savings and investment in the economy in ways that facilitate the accumulation of capital and the production of goods and services.

The needs of borrowers and lenders are met by the combination of well-established financial markets and institutions as well as a wide range of financial products and instruments, which benefits the economy as a whole.

Investors can specialize in specific industries or services, diversify their risks, or do both thanks to financial markets (like those that trade stocks or bonds), instruments (including bank CDs, futures, and derivatives), and institutions (like banks, insurance companies, mutual funds, and pension funds). Financial markets and financial institutions, collectively contribute to economic growth; nevertheless, the relative proportion of the two does not seem to be a significant determinant in growth.

Learn more about financial market here

https://brainly.com/question/13342660

#SPJ10

1. Bank Balance: $9056.95

2. Outstanding Deposits: $2300

3. Service charges: $40

4. Interest paid: $12.77

5. Checkbook Balance: $10800.44

6. Adjust Checkbook Balance: Subtract $120 from Checkbook Balance, description: "Depositor's Error"

7. Adjust Bank Balance: Add $28 to Bank Balance, description: "Bank Error"

8. Uncashed checks: CK#1106 $563, CK #1112 $557

9. Returned item: Check from John Danielson for $388.26.

Based on the provided information:

1. The Bank Balance in Tourist Trap's account with First Bank is $9056.95.

2. There are outstanding deposits totaling $2300 that have not been credited to the account yet.

3. First Bank has levied service charges of $40 on the account.

4. Tourist Trap received interest of $12.77 from First Bank.

5. According to Tourist Trap's records, the Checkbook Balance is $10800.44.

Adjustments to the balances:

6. The bookkeeper recorded a check from Danielle Johnson incorrectly. The actual amount of the check was $145, but it was recorded as $265. The difference of $120 should be subtracted from the Checkbook Balance to correct the error. The description for this adjustment is "Depositor's Error."

7. First Bank incorrectly processed a check from Tourist Trap Restaurant for $28 against Tourist Trap Gift Shop's account. This amount needs to be added back to the Bank Balance to correct the error. The description for this adjustment is "Bank Error."

8. Two checks issued by Tourist Trap Gift Shop, CK#1106 for $563 and CK#1112 for $557, have not been cashed yet.

9. There was a returned item, a check from John Danielson for $388.26.

These adjustments ensure accurate balances in both the Checkbook and Bank accounts, taking into account errors and outstanding items.

Learn more about interest here:

https://brainly.com/question/30393144

#SPJ11

The survey aimed to investigate the background of a manager and its relationship with their managerial performance to identify factors that contribute to success in managerial roles.

The given information describes a survey conducted on managers of a corporation to identify the background that leads to a successful manager. The survey aimed to explore the relationship between the background of a manager and their managerial performance. Each manager was evaluated by their supervisors and rated either as a good, fair, or poor manager. The survey was intended to collect data on various factors that contribute to success in managerial roles. The collected data can be analyzed to identify patterns or factors that contribute to the success of managers.

The background of a manager includes his/her education, previous work experience, training, skills, and personality traits, among others. Analyzing this data can provide insights into which factors play a crucial role in a manager's success. This information can be used by the corporation to make better decisions about hiring, promoting, or training employees for managerial roles.

In conclusion, the survey aimed to investigate the background of a manager and its relationship with their managerial performance to identify factors that contribute to success in managerial roles.

Complete question:

The managers of a corporation were surveyed to determine the background that leads to a successful manager. Each manager was rated as being either a good, fair, or poor manager by his/her supervisors. The survey aimed to investigate the relationship between a manager's background and their managerial performance. The data collected from the survey can be analyzed to identify patterns or factors that contribute to success in managerial roles.

Learn more about managers from the given link:

https://brainly.com/question/32150882

#SPJ11

Based on the given scenario Owen wealth is $100,000.

Wealth simply means to have enough cash either at hand or in bank or  to be in possession of large amount of money or to have valuable assets that can be converted into cash.

Based on the given scenario the amount that was inherited by Owen which is the sum of $100,000 will be Owen wealth.

Inconclusion Owen wealth is $100,000.

Learn more about wealth here:https://brainly.com/question/24373500

Answer:

is not connected to collateral and, therefore, a higher risk for lenders

Explanation:

Unsecured loans are the loans issued without any securities attached to them. The lender relies on the borrower's creditworthiness as the basis for granting the loan. Unsecured loans are mostly available to salaried workers whose pay is processed by the lending institutions.

Unsecured loans pose a higher risk to the lender because they are not backed by any collateral. For this reason, they attract a higher interest rate than secured loans.

Answer:

D

Explanation:

took the test

Answer: EIther B or D if i remember correctly, its B

Explanation:

Stock options represent rights to buy a certain number of shares of stock at a specified price is a true statement.

If any investor who possesses anything akin to a stock option has the right, but not the obligation, to buy and sell another type of shares at a certain price and date.

Clearly, the two types of options are puts, which are bets that a stock will decrease, and calls, which are wagers that a share will grow.

Employee stock options (ESOs), which take the form of call options, are in fact a type of equity compensation that firms award to chosen employees or executives.

Learn more about stock, here:

https://brainly.com/question/27992219

#SPJ4

When you offer to sell your six-month-old Samsung tablet device to your roommate for $100, and your roommate accepts the offer, you have entered into a verbal contract.

In this scenario, you have made an offer to sell your Samsung tablet device to your roommate for $100, and your roommate has accepted the offer. This creates a verbal contract between you and your roommate. Generally, a contract requires three essential elements: an offer, acceptance, and consideration (the agreed price). In this case, all these elements are present.

However, it is important to understand that the enforceability of a verbal contract may vary depending on the jurisdiction. In some jurisdictions, contracts for the sale of goods above a certain value may be required to be in writing to be enforceable, such as the Statute of Frauds in certain countries. Additionally, there may be specific legal requirements for the sale of goods, such as warranties or consumer protection laws, which could impact the transaction. To ensure clarity and avoid any misunderstandings, it is generally recommended to have written contracts for significant transactions. A written contract provides a clear record of the terms and conditions agreed upon by both parties, reducing the potential for disputes in the future.

Learn more about jurisdiction from here:

https://brainly.com/question/29888245

#SPJ11

Answer:

The poem talks about love and togetherness that love can bring in the lives of the human beings.

Explanation:

The poem "We all need Love" written by Maxim Muyu highlights the importance of love in the life of humans. The poem explains how 'love' can diminish bad vibes and create a whole new world of peace and brotherhood. Throughout the poem, the theme of loving each other has been highlighted. It is only by loving others that the evils like 'depression' and 'racism' can be eradicated in the society. The word 'Love' is very strong and meaningful. Love is the requirement of every individual and it helps the heart and the mind to come together.

Love is a feeling of attraction, care and affection towards someone.

Existence of love promotes togetherness.

Read more:

https://brainly.com/question/6941656