Assignment Prompt & Instructions
see attachment
– a year ago
**files (2)**
– ## UnitVIIProjecTFINAL.docx
– ## UnitIIICourseProjectpartI.pdf
**## UnitVIIProjecTFINAL.docx**
Unit VII Project
**Creating a Business Plan Project: Part 2**
In this second and final portion of the project, you will create the remaining portions of your business plan and complete a capital budgeting plan. Your plan should include:
· A Financial Model
· Financial Projections
· Return on Investment (ROI)
· Managing the Cost of Capital
· Capital Budgeting Plan
· Manage the cost of capital in order to maximize profits, including a discussion distinguishing working capital and net working capital.
· Discuss at least two strategies required for managers related to planning for capital expenditures.
· Address the tradeoff between profitability and risk as they are related to capital.
You will submit this final portion along with the portion previously submitted in Unit III.
_Be sure you have updated the sections after review and incorporate the feedback from the professor._
Include the following:
· Executive summary
· Business Description
· Time Value of Money
· Four Basic Financial Statements – put in the Appendix
· Financial Model Used
· Financial Projections
· Return on Investment (ROI)
· Managing the Cost of Capital
· Capital Budgeting Plan
Your final project will be
**at least eight (8) pages in length**, including the sections written in the previous unit. Be sure to include a separate title page and references page. Use subheadings for all the elements of the assignment, as well as for the conclusion. Adhere to APA Style when constructing this assignment, including in-text citations and references for all sources that are used. Please note that no abstract is needed.
**## UnitIIICourseProjectpartI.pdf**
1
NAME
COURSE NAME
SCHOOL
INSTRUCTOR
DATE
2
Business Plan Project: Part 1
Executive Summary
Healthcare is a very crucial sector in the society that is geared towards the provision of
health solutions to the population, and starting a health-related business needs to be well-
planned. HealthPro Innovations LLC will be a start-up health-care firm aimed at delivering
efficient, available, and affordable health care services to the vulnerable groups. Our goal is to
offer quality health care services and products to those who cannot easily access such services
and products—people from remote and sometimes resource-poor regions, such as rural areas and
some areas in urban centers. Some of the services that we shall be providing include
telemedicine consultations, health status evaluation, and health checkup consultations. This
decision was informed by passion for Self for making health care accessible and affordable since
most of those who cannot afford the so-called health care standard charges.
Business Description
HealthPro Innovations, LLC, will be formed as a limited liability company (LLC), and
this will mean that the ownership is more flexible and the owners are shielded from personal
legal responsibility. The target market will be the healthcare industry, as the business will offer
telemedicine and health prevention products for people who are in need of them in different
regions. Our team is made up of highly qualified healthcare professionals that comprise medical
doctors, nurse practitioners, and business strategists, all of whom have grasped the problems
facing the healthcare administration (Johnson et al., 2018).
The business will have long-term objectives that include aiming at having mental health
services as some of the services provided and seeking hospital corridor inpatient referrals. Some
of those are implementing our telemedicine in one territory and health promotion among the
3
people. Our main line of business will be offering consultancy services in health via the internet,
health checkups, and wellness programs.
The patients to be served by QTG are the individuals of 18-65 years who cannot easily
access the healthcare facilities due to the lack of a nearby center. All these competitors’ strategies
will be done away with by adopting the use of technology and offering our services at an
affordable rate. Also, we will undertake patient-centered care where we are more inclined to
prevent diseases rather than cure them, as some of the other models of healthcare have limited
themselves to.
The main rival companies in the field will be other telecommunication players and local
physicians. However, there are specific characteristics of the HealthPro Innovations strategy,
differentiating it from the others stated above, which include serving the unserved and
underserved market with attractive and sustainable health packages at cheaper and inclusive
rates. Hence our mission is to adopt a medical and health care model that involves the delivery of
health services encompassing medical care and health promotion.
Time Value of Money
Finally, the time value of money (TVM) concept is highly relevant in finance since it
holds that a dollar now is worth more than a dollar in the future because of its ability to earn.
Finally, for HealthPro Innovations, the concept of the time value of money will make it easy to
determine the best time to invest some of its capital into other productive ventures, and also, it
will help it in determining the cost of some of its services against the earnings that it is likely to
receive in the future as well as the right price to put into any of its services. Through the use of
TVM, it is possible to earn the maximum amount of profits by using efficient discounting
4
techniques on future cash flows and using the funds in the right manner in the form of
investments for its growth (Ayed, 2022).
Financial Tools
The four basic financial statements are significant in analyzing the company’s financial
situation and its financial position. These include:
1.Income Statement: This statement will reveal the amount of returns, over a certain
period, made by a company after deducting the costs involved in its operations. It aids in
determining the efficiency of the company’s performance in terms of its financial health.
2.Balance Sheet: This is the statement of accounts that shows the enterprise’s resources,
acknowledgements, and proprietorship at a given time. It will explain the position of the
company in terms of its financial records at whatever time requested.
3. Cash Flow Statement: This statement shows how money has been received and used
in a certain period of time. The analysis of receivables is important in ascertaining whether there
is adequate cash in the company to suffice all the liabilities.
Statement of Retained Earnings: This statement makes it clear how the profits made in
the company are kept rather than being distributed in the form of dividends. It shows the extent
of the reinvestment in the business in terms of the original earnings made (Ayed, 2022).
Some other relevant ratios, which are also crucial for review, are
Liquidity Ratio (Current Ratio): compares easily marketable current assets with easily
available short-term liabilities.
Profitability Ratio (Net Profit Margin): This shows the ratio of the net profit to the
total revenue generated by the firm.
5
The leverage ratio, or the debt-to-equity ratio, helps to evaluate how the company is
funding its operations and is essential in determining the business risk level.
In conclusion, these financial tools and ratios will enrich information resources for the
detailed investigation of the company’s monetary situation and will help to make decisions that
will be crucial for its development.
6
References
Johnson, J. A., Stoskopf, C. H., & Shi, L. (2018). Comparative health systems: A global
perspective (2nd ed.). Jones & Bartlett Learning.
Ayed, S. B. (2022). Financial planning and analysis for startups in the e-health sector (Master's
thesis, Universidade de Lisboa (Portugal)).
https://search.proquest.com/openview/624871641683a1ebd1bf241cedf5570b/1?pq-
origsite=gscholar&cbl=2026366&diss=y
[https://search.proquest.com/openview/624871641683a1ebd1bf241cedf5570b/1?pq-origsite=gscholar&cbl=2026366&diss=y](https://search.proquest.com/openview/624871641683a1ebd1bf241cedf5570b/1?pq-origsite=gscholar&cbl=2026366&diss=y)
[https://search.proquest.com/openview/624871641683a1ebd1bf241cedf5570b/1?pq-origsite=gscholar&cbl=2026366&diss=y](https://search.proquest.com/openview/624871641683a1ebd1bf241cedf5570b/1?pq-origsite=gscholar&cbl=2026366&diss=y)
**## UnitIIICourseProjectpartI.pdf**
1
NAME
COURSE NAME
SCHOOL
INSTRUCTOR
DATE
2
Business Plan Project: Part 1
Executive Summary
Healthcare is a very crucial sector in the society that is geared towards the provision of
health solutions to the population, and starting a health-related business needs to be well-
planned. HealthPro Innovations LLC will be a start-up health-care firm aimed at delivering
efficient, available, and affordable health care services to the vulnerable groups. Our goal is to
offer quality health care services and products to those who cannot easily access such services
and products—people from remote and sometimes resource-poor regions, such as rural areas and
some areas in urban centers. Some of the services that we shall be providing include
telemedicine consultations, health status evaluation, and health checkup consultations. This
decision was informed by passion for Self for making health care accessible and affordable since
most of those who cannot afford the so-called health care standard charges.
Business Description
HealthPro Innovations, LLC, will be formed as a limited liability company (LLC), and
this will mean that the ownership is more flexible and the owners are shielded from personal
legal responsibility. The target market will be the healthcare industry, as the business will offer
telemedicine and health prevention products for people who are in need of them in different
regions. Our team is made up of highly qualified healthcare professionals that comprise medical
doctors, nurse practitioners, and business strategists, all of whom have grasped the problems
facing the healthcare administration (Johnson et al., 2018).
The business will have long-term objectives that include aiming at having mental health
services as some of the services provided and seeking hospital corridor inpatient referrals. Some
of those are implementing our telemedicine in one territory and health promotion among the
3
people. Our main line of business will be offering consultancy services in health via the internet,
health checkups, and wellness programs.
The patients to be served by QTG are the individuals of 18-65 years who cannot easily
access the healthcare facilities due to the lack of a nearby center. All these competitors’ strategies
will be done away with by adopting the use of technology and offering our services at an
affordable rate. Also, we will undertake patient-centered care where we are more inclined to
prevent diseases rather than cure them, as some of the other models of healthcare have limited
themselves to.
The main rival companies in the field will be other telecommunication players and local
physicians. However, there are specific characteristics of the HealthPro Innovations strategy,
differentiating it from the others stated above, which include serving the unserved and
underserved market with attractive and sustainable health packages at cheaper and inclusive
rates. Hence our mission is to adopt a medical and health care model that involves the delivery of
health services encompassing medical care and health promotion.
Time Value of Money
Finally, the time value of money (TVM) concept is highly relevant in finance since it
holds that a dollar now is worth more than a dollar in the future because of its ability to earn.
Finally, for HealthPro Innovations, the concept of the time value of money will make it easy to
determine the best time to invest some of its capital into other productive ventures, and also, it
will help it in determining the cost of some of its services against the earnings that it is likely to
receive in the future as well as the right price to put into any of its services. Through the use of
TVM, it is possible to earn the maximum amount of profits by using efficient discounting
4
techniques on future cash flows and using the funds in the right manner in the form of
investments for its growth (Ayed, 2022).
Financial Tools
The four basic financial statements are significant in analyzing the company’s financial
situation and its financial position. These include:
1.Income Statement: This statement will reveal the amount of returns, over a certain
period, made by a company after deducting the costs involved in its operations. It aids in
determining the efficiency of the company’s performance in terms of its financial health.
2.Balance Sheet: This is the statement of accounts that shows the enterprise’s resources,
acknowledgements, and proprietorship at a given time. It will explain the position of the
company in terms of its financial records at whatever time requested.
3. Cash Flow Statement: This statement shows how money has been received and used
in a certain period of time. The analysis of receivables is important in ascertaining whether there
is adequate cash in the company to suffice all the liabilities.
Statement of Retained Earnings: This statement makes it clear how the profits made in
the company are kept rather than being distributed in the form of dividends. It shows the extent
of the reinvestment in the business in terms of the original earnings made (Ayed, 2022).
Some other relevant ratios, which are also crucial for review, are
Liquidity Ratio (Current Ratio): compares easily marketable current assets with easily
available short-term liabilities.
Profitability Ratio (Net Profit Margin): This shows the ratio of the net profit to the
total revenue generated by the firm.
5
The leverage ratio, or the debt-to-equity ratio, helps to evaluate how the company is
funding its operations and is essential in determining the business risk level.
In conclusion, these financial tools and ratios will enrich information resources for the
detailed investigation of the company’s monetary situation and will help to make decisions that
will be crucial for its development.
6
References
Johnson, J. A., Stoskopf, C. H., & Shi, L. (2018). Comparative health systems: A global
perspective (2nd ed.). Jones & Bartlett Learning.
Ayed, S. B. (2022). Financial planning and analysis for startups in the e-health sector (Master's
thesis, Universidade de Lisboa (Portugal)).
https://search.proquest.com/openview/624871641683a1ebd1bf241cedf5570b/1?pq-
origsite=gscholar&cbl=2026366&diss=y
[https://search.proquest.com/openview/624871641683a1ebd1bf241cedf5570b/1?pq-origsite=gscholar&cbl=2026366&diss=y](https://search.proquest.com/openview/624871641683a1ebd1bf241cedf5570b/1?pq-origsite=gscholar&cbl=2026366&diss=y)
[https://search.proquest.com/openview/624871641683a1ebd1bf241cedf5570b/1?pq-origsite=gscholar&cbl=2026366&diss=y](https://search.proquest.com/openview/624871641683a1ebd1bf241cedf5570b/1?pq-origsite=gscholar&cbl=2026366&diss=y)
**## UnitVIIProjecTFINAL.docx**
Unit VII Project
**Creating a Business Plan Project: Part 2**
In this second and final portion of the project, you will create the remaining portions of your business plan and complete a capital budgeting plan. Your plan should include:
· A Financial Model
· Financial Projections
· Return on Investment (ROI)
· Managing the Cost of Capital
· Capital Budgeting Plan
· Manage the cost of capital in order to maximize profits, including a discussion distinguishing working capital and net working capital.
· Discuss at least two strategies required for managers related to planning for capital expenditures.
· Address the tradeoff between profitability and risk as they are related to capital.
You will submit this final portion along with the portion previously submitted in Unit III.
_Be sure you have updated the sections after review and incorporate the feedback from the professor._
Include the following:
· Executive summary
· Business Description
· Time Value of Money
· Four Basic Financial Statements – put in the Appendix
· Financial Model Used
· Financial Projections
· Return on Investment (ROI)
· Managing the Cost of Capital
· Capital Budgeting Plan
Your final project will be
**at least eight (8) pages in length**, including the sections written in the previous unit. Be sure to include a separate title page and references page. Use subheadings for all the elements of the assignment, as well as for the conclusion. Adhere to APA Style when constructing this assignment, including in-text citations and references for all sources that are used. Please note that no abstract is needed.
**## UnitIIICourseProjectpartI.pdf**
1
NAME
COURSE NAME
SCHOOL
INSTRUCTOR
DATE
2
Business Plan Project: Part 1
Executive Summary
Healthcare is a very crucial sector in the society that is geared towards the provision of
health solutions to the population, and starting a health-related business needs to be well-
planned. HealthPro Innovations LLC will be a start-up health-care firm aimed at delivering
efficient, available, and affordable health care services to the vulnerable groups. Our goal is to
offer quality health care services and products to those who cannot easily access such services
and products—people from remote and sometimes resource-poor regions, such as rural areas and
some areas in urban centers. Some of the services that we shall be providing include
telemedicine consultations, health status evaluation, and health checkup consultations. This
decision was informed by passion for Self for making health care accessible and affordable since
most of those who cannot afford the so-called health care standard charges.
Business Description
HealthPro Innovations, LLC, will be formed as a limited liability company (LLC), and
this will mean that the ownership is more flexible and the owners are shielded from personal
legal responsibility. The target market will be the healthcare industry, as the business will offer
telemedicine and health prevention products for people who are in need of them in different
regions. Our team is made up of highly qualified healthcare professionals that comprise medical
doctors, nurse practitioners, and business strategists, all of whom have grasped the problems
facing the healthcare administration (Johnson et al., 2018).
The business will have long-term objectives that include aiming at having mental health
services as some of the services provided and seeking hospital corridor inpatient referrals. Some
of those are implementing our telemedicine in one territory and health promotion among the
3
people. Our main line of business will be offering consultancy services in health via the internet,
health checkups, and wellness programs.
The patients to be served by QTG are the individuals of 18-65 years who cannot easily
access the healthcare facilities due to the lack of a nearby center. All these competitors’ strategies
will be done away with by adopting the use of technology and offering our services at an
affordable rate. Also, we will undertake patient-centered care where we are more inclined to
prevent diseases rather than cure them, as some of the other models of healthcare have limited
themselves to.
The main rival companies in the field will be other telecommunication players and local
physicians. However, there are specific characteristics of the HealthPro Innovations strategy,
differentiating it from the others stated above, which include serving the unserved and
underserved market with attractive and sustainable health packages at cheaper and inclusive
rates. Hence our mission is to adopt a medical and health care model that involves the delivery of
health services encompassing medical care and health promotion.
Time Value of Money
Finally, the time value of money (TVM) concept is highly relevant in finance since it
holds that a dollar now is worth more than a dollar in the future because of its ability to earn.
Finally, for HealthPro Innovations, the concept of the time value of money will make it easy to
determine the best time to invest some of its capital into other productive ventures, and also, it
will help it in determining the cost of some of its services against the earnings that it is likely to
receive in the future as well as the right price to put into any of its services. Through the use of
TVM, it is possible to earn the maximum amount of profits by using efficient discounting
4
techniques on future cash flows and using the funds in the right manner in the form of
investments for its growth (Ayed, 2022).
Financial Tools
The four basic financial statements are significant in analyzing the company’s financial
situation and its financial position. These include:
1.Income Statement: This statement will reveal the amount of returns, over a certain
period, made by a company after deducting the costs involved in its operations. It aids in
determining the efficiency of the company’s performance in terms of its financial health.
2.Balance Sheet: This is the statement of accounts that shows the enterprise’s resources,
acknowledgements, and proprietorship at a given time. It will explain the position of the
company in terms of its financial records at whatever time requested.
3. Cash Flow Statement: This statement shows how money has been received and used
in a certain period of time. The analysis of receivables is important in ascertaining whether there
is adequate cash in the company to suffice all the liabilities.
Statement of Retained Earnings: This statement makes it clear how the profits made in
the company are kept rather than being distributed in the form of dividends. It shows the extent
of the reinvestment in the business in terms of the original earnings made (Ayed, 2022).
Some other relevant ratios, which are also crucial for review, are
Liquidity Ratio (Current Ratio): compares easily marketable current assets with easily
available short-term liabilities.
Profitability Ratio (Net Profit Margin): This shows the ratio of the net profit to the
total revenue generated by the firm.
5
The leverage ratio, or the debt-to-equity ratio, helps to evaluate how the company is
funding its operations and is essential in determining the business risk level.
In conclusion, these financial tools and ratios will enrich information resources for the
detailed investigation of the company’s monetary situation and will help to make decisions that
will be crucial for its development.
6
References
Johnson, J. A., Stoskopf, C. H., & Shi, L. (2018). Comparative health systems: A global
perspective (2nd ed.). Jones & Bartlett Learning.
Ayed, S. B. (2022). Financial planning and analysis for startups in the e-health sector (Master's
thesis, Universidade de Lisboa (Portugal)).
https://search.proquest.com/openview/624871641683a1ebd1bf241cedf5570b/1?pq-
origsite=gscholar&cbl=2026366&diss=y
[https://search.proquest.com/openview/624871641683a1ebd1bf241cedf5570b/1?pq-origsite=gscholar&cbl=2026366&diss=y](https://search.proquest.com/openview/624871641683a1ebd1bf241cedf5570b/1?pq-origsite=gscholar&cbl=2026366&diss=y)
[https://search.proquest.com/openview/624871641683a1ebd1bf241cedf5570b/1?pq-origsite=gscholar&cbl=2026366&diss=y](https://search.proquest.com/openview/624871641683a1ebd1bf241cedf5570b/1?pq-origsite=gscholar&cbl=2026366&diss=y)
**## UnitVIIProjecTFINAL.docx**
Unit VII Project
**Creating a Business Plan Project: Part 2**
In this second and final portion of the project, you will create the remaining portions of your business plan and complete a capital budgeting plan. Your plan should include:
· A Financial Model
· Financial Projections
· Return on Investment (ROI)
· Managing the Cost of Capital
· Capital Budgeting Plan
· Manage the cost of capital in order to maximize profits, including a discussion distinguishing working capital and net working capital.
· Discuss at least two strategies required for managers related to planning for capital expenditures.
· Address the tradeoff between profitability and risk as they are related to capital.
You will submit this final portion along with the portion previously submitted in Unit III.
_Be sure you have updated the sections after review and incorporate the feedback from the professor._
Include the following:
· Executive summary
· Business Description
· Time Value of Money
· Four Basic Financial Statements – put in the Appendix
· Financial Model Used
· Financial Projections
· Return on Investment (ROI)
· Managing the Cost of Capital
· Capital Budgeting Plan
Your final project will be
**at least eight (8) pages in length**, including the sections written in the previous unit. Be sure to include a separate title page and references page. Use subheadings for all the elements of the assignment, as well as for the conclusion. Adhere to APA Style when constructing this assignment, including in-text citations and references for all sources that are used. Please note that no abstract is needed.
**## UnitIIICourseProjectpartI.pdf**
1
NAME
COURSE NAME
SCHOOL
INSTRUCTOR
DATE
2
Business Plan Project: Part 1
Executive Summary
Healthcare is a very crucial sector in the society that is geared towards the provision of
health solutions to the population, and starting a health-related business needs to be well-
planned. HealthPro Innovations LLC will be a start-up health-care firm aimed at delivering
efficient, available, and affordable health care services to the vulnerable groups. Our goal is to
offer quality health care services and products to those who cannot easily access such services
and products—people from remote and sometimes resource-poor regions, such as rural areas and
some areas in urban centers. Some of the services that we shall be providing include
telemedicine consultations, health status evaluation, and health checkup consultations. This
decision was informed by passion for Self for making health care accessible and affordable since
most of those who cannot afford the so-called health care standard charges.
Business Description
HealthPro Innovations, LLC, will be formed as a limited liability company (LLC), and
this will mean that the ownership is more flexible and the owners are shielded from personal
legal responsibility. The target market will be the healthcare industry, as the business will offer
telemedicine and health prevention products for people who are in need of them in different
regions. Our team is made up of highly qualified healthcare professionals that comprise medical
doctors, nurse practitioners, and business strategists, all of whom have grasped the problems
facing the healthcare administration (Johnson et al., 2018).
The business will have long-term objectives that include aiming at having mental health
services as some of the services provided and seeking hospital corridor inpatient referrals. Some
of those are implementing our telemedicine in one territory and health promotion among the
3
people. Our main line of business will be offering consultancy services in health via the internet,
health checkups, and wellness programs.
The patients to be served by QTG are the individuals of 18-65 years who cannot easily
access the healthcare facilities due to the lack of a nearby center. All these competitors’ strategies
will be done away with by adopting the use of technology and offering our services at an
affordable rate. Also, we will undertake patient-centered care where we are more inclined to
prevent diseases rather than cure them, as some of the other models of healthcare have limited
themselves to.
The main rival companies in the field will be other telecommunication players and local
physicians. However, there are specific characteristics of the HealthPro Innovations strategy,
differentiating it from the others stated above, which include serving the unserved and
underserved market with attractive and sustainable health packages at cheaper and inclusive
rates. Hence our mission is to adopt a medical and health care model that involves the delivery of
health services encompassing medical care and health promotion.
Time Value of Money
Finally, the time value of money (TVM) concept is highly relevant in finance since it
holds that a dollar now is worth more than a dollar in the future because of its ability to earn.
Finally, for HealthPro Innovations, the concept of the time value of money will make it easy to
determine the best time to invest some of its capital into other productive ventures, and also, it
will help it in determining the cost of some of its services against the earnings that it is likely to
receive in the future as well as the right price to put into any of its services. Through the use of
TVM, it is possible to earn the maximum amount of profits by using efficient discounting
4
techniques on future cash flows and using the funds in the right manner in the form of
investments for its growth (Ayed, 2022).
Financial Tools
The four basic financial statements are significant in analyzing the company’s financial
situation and its financial position. These include:
1.Income Statement: This statement will reveal the amount of returns, over a certain
period, made by a company after deducting the costs involved in its operations. It aids in
determining the efficiency of the company’s performance in terms of its financial health.
2.Balance Sheet: This is the statement of accounts that shows the enterprise’s resources,
acknowledgements, and proprietorship at a given time. It will explain the position of the
company in terms of its financial records at whatever time requested.
3. Cash Flow Statement: This statement shows how money has been received and used
in a certain period of time. The analysis of receivables is important in ascertaining whether there
is adequate cash in the company to suffice all the liabilities.
Statement of Retained Earnings: This statement makes it clear how the profits made in
the company are kept rather than being distributed in the form of dividends. It shows the extent
of the reinvestment in the business in terms of the original earnings made (Ayed, 2022).
Some other relevant ratios, which are also crucial for review, are
Liquidity Ratio (Current Ratio): compares easily marketable current assets with easily
available short-term liabilities.
Profitability Ratio (Net Profit Margin): This shows the ratio of the net profit to the
total revenue generated by the firm.
5
The leverage ratio, or the debt-to-equity ratio, helps to evaluate how the company is
funding its operations and is essential in determining the business risk level.
In conclusion, these financial tools and ratios will enrich information resources for the
detailed investigation of the company’s monetary situation and will help to make decisions that
will be crucial for its development.
6
References
Johnson, J. A., Stoskopf, C. H., & Shi, L. (2018). Comparative health systems: A global
perspective (2nd ed.). Jones & Bartlett Learning.
Ayed, S. B. (2022). Financial planning and analysis for startups in the e-health sector (Master's
thesis, Universidade de Lisboa (Portugal)).
https://search.proquest.com/openview/624871641683a1ebd1bf241cedf5570b/1?pq-
origsite=gscholar&cbl=2026366&diss=y
[https://search.proquest.com/openview/624871641683a1ebd1bf241cedf5570b/1?pq-origsite=gscholar&cbl=2026366&diss=y](https://search.proquest.com/openview/624871641683a1ebd1bf241cedf5570b/1?pq-origsite=gscholar&cbl=2026366&diss=y)
[https://search.proquest.com/openview/624871641683a1ebd1bf241cedf5570b/1?pq-origsite=gscholar&cbl=2026366&diss=y](https://search.proquest.com/openview/624871641683a1ebd1bf241cedf5570b/1?pq-origsite=gscholar&cbl=2026366&diss=y)