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28.06.2014
The 1960’s was seen as the decade that shaped the mould and changed everything in regards to social attitudes, music and also fashion, and with so much going on it is no wonder why it made such an impact on what we see, hear and wear today. Women became more liberated and took more interest in the fashions as well as ensuring they had a voice in a more male dominated arena.
For men they also had a chance to exhibit their personalities with bright coloured suits, with outrageous ties; they could also be seen wearing suspenders for the trousers. The Mods 1960’s fashion was the tailored suit, with white shirts that were slim cut and had a button down collar; Levi’s were a must and were the only type of jeans worn by the Mods, these were flared at the bottom and the shoes or boots had to be polished so you could see your face in them. The flared jean that they wore came into their own during the late 1960’s fashion trends, with the changes of hippies and free love. Tonic suits were also very popular during the 1960’s fashion, this suit consisted of narrow bottoms, and the jacket would look just a little too big, especially on the shoulders, it had two or three buttons, but only the top one was done up.
With so many different music tastes, it is no wonder that the fashions were so diverse and changed so much during these 10 years, the 1960’s fashion was very much about individuality and as said shaped our world today. Well Lexia the vegetables and the fruit are in the middle because you should eat the second most of it. Thisal at the bottom of the food pyramaid is the grains because you should eat more of them then all the other foods. Junk food is at the top of the food pyramid and it is there because you should eat a little bit of it. Junk food is at the top of the food pyramid because we should eat a bit of it not like grains with all the good things in it.
Well Massimo the top of the food pyramid is where the junk food is, so that’s the food you should eat once a day.
Well Massimo, the junk food is at the top of the food pyramid because you eat it only 0-3 times a day. My mum is cutting out all her breads, rice, cereal, she thinks it will help her loose lots of weight. The TILA-RESPA integrated disclosure rule replaces four disclosure forms with two new ones.
Ensures compliance with Federal consumer financial laws by supervising market participants and bringing enforcement actions when appropriate. Provides, through a variety of initiatives and methods, information to consumers that will allow them to make decisions that are best for them.
The CFPB is a 21st century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives.
Inform the public, policy makers, and the CFPB’s own policy-making with data-driven analysis of consumer finance markets and consumer behavior.
Strategies and investments that lay out the actions we will take to accomplish our outcomes. Prior to Congress enacting the Dodd-Frank Act, consumer financial protection had not been the primary focus of any one federal agency, and no agency could set the rules for the entire financial market.
Industry structure is always changing, and therefore, so too will the number of institutions that fall under the CFPB’s supervisory authority.
Develop and maintain an efficient fact-based approach to developing, evaluating, revising, and finalizing regulations.
Develop a rule-writing team with highly advanced skills in relevant and specialized legal and business areas.
Work with consumers and industry stakeholders on developing regulations to implement existing Federal consumer financial laws effectively. The next element in the marketing mix is place, which refers to strategies for distribution. Many businesses, especially small ones and those just starting up, sell directly to customers.
The Internet has greatly expanded the number of companies using direct distribution, either as their only distribution channel or as an additional means of selling. Selling through retailers works fine if youa€™re dealing with only a few stores (or chains). While selling through wholesalers will cut into your profit margins, the practice has several advantages. Finally, intermediaries, such as wholesalers, can make the distribution channel more cost-effective. Buyers from the stores that sell Robosapiens dona€™t go to the Wow Wee factory (which happens to be in China) to pick up their orders. Wal-Mart, for example, maintains more than one hundred distribution centers at which it receives goods purchased from suppliers, sorts them, and distributes them to 3,500 stores, superstores, and Sama€™s Clubs around the country. Making, storing, and distributing Robosapien entails a good deal of materials handlingmaterials handlingProcess of physically moving or carrying goods during production, warehousing, and distribution.a€”the process of physically moving or carrying goods during production, warehousing, and distribution.
All these activities draw on company resources, particularly labor, and therea€™s always the risk of losing money because the robota€™s been damaged during the process. Another means of reducing materials-handling costs is called just-in-time productionjust-in-time productionSystem for reducing inventories and costs by requiring suppliers to deliver materials just in time to go into the production process.. There are several ways to transport goods from manufacturing facilities to resellers or customersa€”trucks, trains, planes, ships, and even pipelines. Before we go on to the final component in the marketing mixa€”promotiona€”leta€™s review the elements that wea€™ve discussed so far: product, price, and place.
Purchasing managers buy raw materials from suppliers (sugar and other ingredients used to make marshmallow, food coloring, and so forth). Other operations managers transform these raw materials, or ingredients, into 4.2 million Marshmallow Peeps every day.
Operations managers in shipping send completed packages to a warehouse where theya€™re stored for later distribution.
Operations managers at the warehouse forward packaged Marshmallow Peeps to dealers around the world. This process requires considerable cooperation, not only among individuals in the organization but also between Just Born and its suppliers and dealers.
If all the people involved in each of these steps worked independently, the process of turning raw materials into finished Marshmallow Peeps and selling them to customers would be inefficient (to say the least). Managing your supply chain can be difficult, particularly if your company has large seasonal fluctuations.[316] This is certainly true at Just Born. Supply chain management helps companies produce better products at lower costs and to distribute them more effectively. Todaya€™s consumers can choose from a huge array of products offered at a range of prices through a variety of suppliers. The idea is fairly simple: by focusing on the interrelated links in its value chain, a company can increase product quality, provide better service, and cut prices. Distribution entails all activities involved in getting the right quantity of a product to customers at the right time and at a reasonable cost. Companies can sell directly (from stores or over the Internet) or indirectly, through intermediariesa€”retailers or wholesalers who help move products from producers to end users. Retailers buy goods from producers and sell them to consumers, whether in stores, by phone, through direct mailings, or over the Internet.
Wholesalers (or distributors) buy goods from suppliers and sell them to businesses that will resell or use them. Physical distributiona€”the process of getting products from producers to customersa€”entails several interrelated activities: warehousing in either a storage warehouse or a distribution center, materials handling (physically moving products or components), and transportation (shipping goods from manufacturing facilities to resellers or customers).
A firm can produce better-quality products at lower cost and distribute them more effectively by successfully managing its supply chaina€”the entire range of activities involved in producing and distributing products, from purchasing raw materials, transforming raw materials into finished goods, storing finished goods, and distributing them to customers. Effective supply chain management (SCM) requires cooperation, not only among individuals within the organization but also among the company and its suppliers and dealers. Students at Penn State University can take a break from their studies to visit an on-campus ice cream stand called the Creamery. Health coverage sold on Obamacare's health insurance exchange in Maryland will be among the cheapest in the country, state officials said Friday.
A 21-year-old nonsmoker will be able to buy health insurance that costs as little as $93 a month on the Maryland Health Connection, the state's health insurance exchange, starting Oct.
Maryland is the latest state to disclose how much health insurance actually will cost under President Barack Obama's health care reform law. Younger, healthier people who buy inexpensive, bare-bones insurance on today's market may see higher prices for more comprehensive coverage on the exchanges, while older people are expected to see lower rates. In the Baltimore metropolitan area, a 25-year-old nonsmoker will have access to "bronze" level coverage -- the second-least generous of four tiers of benefits -- for $124 to $237 a month. By contrast, the median cost of an individual health insurance plan for a 30-year-old, nonsmoking man in Maryland this year is $190 a a month and the cheapest is $62, according to a report issued by the Government Accountability Office this week. The new exchange prices don't account for tax credits available on a sliding scale to people who earn from the federal poverty level -- $11,490 for a single person this year -- and four times that amount. The Maryland Insurance Administration said the state's health insurance premiums are among the lowest available in 12 states that have released pricing information to date. The job seeker lists several important designations and goes on to feature their ability to negotiate with claimants, attorneys, brokers and insurance carriers. This individual uses a quote from a former supervisor to add emphasis on their personal straits such as loyalty and job performance. The professional experience section is written in reverse chronological order with a brief statement about the insurance related companies. The vast array of Education, Designations and Training are listed which was originally referenced in the summary. Over 15 years of outside sales experience in the insurance industry with a history of being awarded for goal attainment.
Recognized for building strong relationships with customers, maintaining customer loyalty and trust. Create new sales strategies and execute those strategies in conjunction with corporate sales plans. Review client health care to assess insurance plans and recommend the right combination of deductible and payment. Diagnose customer financial status and develop a plan for life insurance, retirement and fixed income. Age is one of the primary factors that insurance companies consider when coming up with a car insurance quote. Generally speaking, novice drivers tend to get expensive quotes, while experienced drivers will see more moderate quotes.


Quotes for teenagers are 3.5x as expensive than quotes for a driver in their mid-thirties, and cost nearly 4x the rate for an experienced driver in their mid-fifties. Even though beginner drivers and senior drivers tend to pay more, there are ways to reduce auto insurance costs for these two age groups in addition to middle-aged drivers. We found, for example, that the cheapest auto insurance companies were generally USAA, GEICO, and State Farm. Advertiser Disclosure: Many of the card offers that appear on this website are from companies which ValuePenguin receives compensation.
The 1960’s fashion for women was also inspired by women in the media, where pastel suits took centre stage, as well jackets that were flattering and incorporated large buttons. One trend which started in the UK, and from a group of people called Mods, was a style which incorporated French and Italian clothing. The jeans became known as bell bottoms and would be covered with symbols of peace or with flowers upon them; put together with platform shoes and loose fitting very colourful or tie dye tops it bought about something very different. They actually had a lot of influence from the Mods upon their fashions, and made it their own.
It had its unique style as it was made using different threads all woven in together so that it changed coloured when hit by the light. We take in data, manage it, store it, share it appropriately, and protect it from unauthorized access.
This means developing and leveraging technology to enhance the CFPB’s reach, impact, and effectiveness. Therefore, we invest in world-class training and support in order to create an environment that encourages employees at all levels to tackle complex challenges. We serve our colleagues by listening to one another and by sharing our collective knowledge and experience.
We believe in investing in the growth of our colleagues and in creating an organization that is accountable to the American people. The result was a system without sufficiently effective rules or consistent enforcement of the law. The CFPB is designed to be agile and adjust its approach to supervising the financial industry in order to respond rapidly to changing consumer needs. DistributiondistributionAll activities involved in getting the right quantity of a product to the right customer at the right time and at a reasonable cost. Dell sells only online, while Adidas and Apple Computer sell both on Web sites and in stores. But what if you produce a producta€”bandagesa€”that you need to sell through thousands of stores, including pharmacies, food stores, and discount stores. For one thing, wholesalers make it their business to find the best outlets for the goods in which they specialize. The responsibility for getting its products to customers, called physical distributionphysical distributionActivities needed to get a product from where it was manufactured to the customer., belongs to Wow Wee itself. It would be convenient if theya€™ve already been sold and only needed to be shipped to customers, but business-to-business (B2B) transactions dona€™t always work out this way.
Its efficiency in moving goods to its stores is a major factor in Wal-Marta€™s ability to satisfy customer needs. Someone (or some machine) needs to move both the parts that go into Robosapien and the partially finished robot through the production process. To sell goods at competitive prices, companies must handle materials as efficiently and inexpensively as possible.
Typically, companies require suppliers to deliver materials to their facilities just in time for them to go into the production process. Companies select the best mode (or combination of modes) by considering several factors, including cost, speed, match of transport mode to type of good, dependability, and accessibility. Department of Transportation,[313] trucks are the transportation of choice for most goods, accounting for 65 percent of U.S. As wea€™ve seen, to be competitive, companies must produce quality products, sell them at reasonable prices, and make them available to customers at the right place at the right time.
Raw-materials suppliers, for instance, must work closely with Just Born purchasing managers, who must, in turn, work with operations managers in manufacturing at Just Born itself. The process of integrating all the activities in the supply chain is called supply chain management (SCM)supply chain management (SCM)Process of integrating all the activities in the supply chain..
Even though it has a Marshmallow Peep for every season (heart Peeps for Valentinea€™s Day, spooky Peeps for Halloween, patriotic Peeps for July Fourth, and so on), the biggest problem rests with the standard yellow Marshmallow Peep that provides a major spike in sales each spring. Remember, however, that effective supply chain management doesna€™t necessarily guarantee success. Others take place outside the supply chain, particularly those associated with marketing and selling products and with providing customer support.
In other words, it can improve its quality-service-price mix, thereby making its products more competitive.
In addition, a successful company provides customers with added value by focusing on and improving its value chaina€”the entire range of its value-creating activities.
Youa€™re confident that it can be a big seller, and youa€™ve found a local company that will manufacture it. Milk for the ice cream comes from cows that graze on university land as part of a program run by the agriculture school. Department of Transportation, Bureau of Transportation Statistics, Commercial Freight Activities in the U.S.
1 for coverage that takes effect Jan 1, the Maryland Insurance Division revealed in a press release. The state joins California, New York and elsewhere in achieving monthly premiums below estimates by the Congressional Budget Office and others. People with pre-existing conditions can't be turned down or be charged higher premiums because of their medical histories.
Martin O'Malley (D) and his administration have wholeheartedly embraced Obamacare implementation, in stark contrast to the the 34 states, mostly with Republican governors, that left the federal government to erect the health insurance exchanges that will be used by residents who don't get health benefits at work or are employed by small businesses. A 50-year-old nonsmoker will see monthly prices for a "silver" plan ranging from $267 to $470, according to a Maryland Insurance Administration analysis. An exact comparison can't be made because current plans aren't subject to Obamacare's minimum benefit standards and the least expensive policy has a $10,000 deductible -- far higher than will be allowed on the health insurance exchanges. The Maryland Insurance Administration estimates that three-quarters of the people who will use the health insurance exchange will qualify for tax credits that will cut the cost of their coverage. For example, the lowest price for a Bronze plan for a 25-year-old in Maryland was $114, compared to $134 in Virginia, $146 in Colorado, $163 in Ohio, $167 in Washington State, and $174 in California," a report by the Maryland Health Connection concludes. Department of Health and Human Services announced last week that premiums in 10 states and the District of Columbia will be lower than Congressional Budget Office projections. Most professionals in adjusting and insurance will find this useful as a reference for creating their resume. The headline is followed by an executive summary that details the 8 years of experience in insurance management with a Risk Management degree and 700 hours of continuing reductions. The insurance resume example ends with a list of computer skills, community roles and professional affiliations. To an auto insurance company, a driver’s age is a general measure of driving experience and accident risk.
That’s because statistics show that teenagers and beginner drivers are more likely to get into car crashes and accidents than other age groups. Once teenagers gain more experience under their belt and hit 25, their car insurance costs drop about 60%. On average, teenage drivers can pay annual rates of about $3,681 with these companies, which is about half the cost of the average quotes for that age group. Maintaining good grades (for young drivers still in school), and taking defensive driving or other driver re-education courses can save drivers up to 10% on their car insurance costs.
This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear). The Capri pant was still around from the 50’s, but the skirts and dresses were reined in a little and pulled in at the waist. The women wore longer more flowing skirts, many of which were tiered to allow them to move and feel free. They took to wearing tighter jeans, were they would roll up the end to show off their shiny black boots. The Bureau is developing targeted outreach to groups that face particular challenges, as required by the Dodd-Frank Act. Our aim is to use data purposefully, to analyze and distill data to enable informed decision-making in all internal and external functions. We strive to be recognized as an innovative, 21st century agency whose approach to technology serves as a model within government. Or will they sell through an intermediaryintermediaryWholesaler or retailer who helps move products from their original source to the end user.a€”a wholesaler or retailer who helps move products from their original source to the end user? Tom First and Tom Story began operations at Nantucket Nectars by peddling home-brewed fruit drinks to boaters in Nantucket Harbor. The eBay online auction site has become the channel of choice for countless small businesses.
Best Buy, for example, buys Robosapiens from Wow Wee and sells them to customers in its stores. Youa€™ll also want to sell to hospitals, day-care centers, and even college health centers. Theya€™re often equipped to warehouse goods for suppliers and to transport them from the suppliersa€™ plants to the point of final sale.
Because every contact between a producer and a consumer incurs costs, the more contacts in the process (panel a), the higher the overall costs to consumers. To keep its customers satisfied, Wow Wee must deliver robots on time, in good shape, and in the quantity ordered. In addition, the finished robot must be moved into storage facilities and, after that, out of storage and onto a truck, plane, train, or ship.
This practice cuts the time and cost entailed by moving raw materials into and out of storage. To accomplish these three tasks, they must work with a network of other firms, both those that supply them with materials and services and those that deliver and sell their products. People in manufacturing have to work with operations managers in the warehouse, who have to work with retail dealers, who have to work with their customers.


Just Born can make a higher-quality product at a lower cost because it knows that ita€™s going to get cooperation from suppliers whose livelihood, after all, depends on the success of customers like Just Born: suppliers can operate more efficiently because they can predict the demand for their products (such as sugar and food coloring). As you can see from our discussion so far, SCM requires a high level of cooperation among the members of the chain.
Without careful supply chain management, there would be either too many or two few yellow Marshmallow Peepsa€”both big problems. A company must also persuade consumers to buy its products, rather than those of its competitors, and the key to achieving this goal is delivering the most value.
In addition, companies need to find ways of creating value by improving the internal operationsa€”procurement, research and development, human resource management, and financial managementa€”that support their primary value-chain activities.
Unfortunately, you have to handle the distribution yourselfa€”a complex task because your product is made from natural ingredients and can easily spoil.
Other ingredients, including sugar and chocolate syrup, are purchased from outside vendors, as are paper products and other supplies.
Rates for insurance with richer benefits and lower deductibles will be higher and premiums will vary by age, residence location, tobacco use and whether family members enroll.
Officials in states including Indiana have released preliminary findings suggesting health insurance costs will skyrocket as a result of the law. Maryland also is expanding Medicaid to anyone earning up to 133 percent of poverty under Obamacare next year, joining 22 states and the District of Columbia in doing so. The federal government won't issue information about the rates on federally run exchanges until nearer to the beginning of the six-month Obamacare enrollment period that begins in October. Again, the results are quantified in terms of millions of dollars in decreased losses as well as volumes of claims. Based on insurers’ statistics and past experience insuring other drivers, the more years behind the wheel that a driver has, the less likely he or she is to get into an accident and submit a claim for reimbursement. 15 to 20 year olds make up approximately 6% of licensed drivers, but nearly 11% of fatal crashes – they've yet to solidify the skills, reflexes, and judgment necessary to best react to road conditions. Costs continue to generally decline with each birthday, with drivers in their 50s seeing the best rates.
The average cost for our 65 and 70 year old drivers is $2,044, but the average at these three companies is $1,138 a year - that's a 44% reduction. We saw short floral dresses teamed with knee high boots, and the mini skirt was born from designer Mary Quant. Typically they wore black shirts and tops, along with suspenders attached to the jeans, and if they wore a jacket, it was dark green or black, all having narrow lapels, and with motifs attached to the sleeves and back.
Please look for answers using the food pyramid above, google and websites on Miss Bisby’s Blog. We seek input from and collaborate with consumers, industry, government entities, and other external stakeholders. The Dodd-Frank Act increased accountability in government by consolidating consumer financial protection authorities that had existed across seven different federal agencies into one, the newly formed Consumer Financial Protection Bureau. Thus, distribution involves selecting the most appropriate distribution channels and handling the physical distribution of products. As you can see from FigureA 9.8, a€?Distribution Channelsa€?, various marketing channels are available to companies. Most service companies sell directly to their customers; ita€™s impossible to give a haircut, fit contact lenses, mow a lawn, or repair a car through an intermediary. The advantage of this approach is a certain degree of control over prices and selling activities: you dona€™t have to depend on or pay an intermediary. Moreover, it promotes Robosapiens to its customers and furnishes technical information and assistance. In this case, youa€™d be committing an immense portion of your resources to the selling process. The presence of an intermediary substantially reduces the total number of contacts (panel b). To accomplish this, Wow Wee must manage several interrelated activities: warehousing, materials handling, and transportation. At the end of this leg of the trip, it must be moved into the store from which it will be sold. For example, parts that go into the production of BMWs are stored and retrieved through automated sequencing centers.[311] Cars are built on moving assembly lines made of a€?skilletsa€? large enough to hold workers who move along with the car while ita€™s being assembled. Trucks also play an important role in the second highest categorya€”multimodal combinations, which account for 11 percent of expenditures.
To better understand the links that must be forged to create an effective network, leta€™s look at the steps that the candy maker Just Born takes to produce and deliver more than one billion Marshmallow Peeps each year to customers throughout the world.
At the other end of the chain, dealers can operate efficiently because they can depend on Just Born to deliver a quality product on time. To reduce the likelihood of either situation, the manager of the companya€™s supply chain works to ensure that all members of the chain work together throughout the busy production season, which begins each fall. Have you ever thought about what it takes to ensure that a piping-hot pizza will arrive at your door on Super Bowl Sunday (Dominoa€™s busiest day of the year)? Using your personal knowledge of ice cream stand operations (which probably comes from your experience as a customer), diagram the Creamerya€™s supply chain. Around 60, however, auto insurance costs reverse their trend and begin to increase slightly, although rates comparable to what drivers in their 40s see. These authorities include the ability to issue regulations under more than a dozen Federal consumer financial laws. Many business-to-business sales take place through direct contact between producer and buyer. On the other hand, you must commit your own resources to the selling process, and that strategy isna€™t appropriate for all businesses.
Each Best Buy outlet features a special display at which customers can examine Robosapien and even try it out. If it sold Robosapiens to just a few retailers, it wouldna€™t need to go through a distributor. If Wow Wee has to store a large volume over an extended period (perhaps a month or two right before the holiday season), it will keep unsold robots in a storage warehousestorage warehouseBuilding used for the temporary storage of goods.. Sending goods by cargo ship or barge is inexpensive but very slow (and out of the question if you want to send something from Massachusetts to Chicago). The real beneficiary is ultimately the end user, or customer: because the process that delivers the product is efficient, its costs are minimized and its quality is optimized. Suppliers promise to deliver large quantities of ingredients, workers recognize that they will be busy through February, and dealers get their orders in early. How would the supply chain change if the company decided to close its retail outlet and sell directly to supermarkets?
Mature drivers in their mid-thirties to forties have greater driving skills and road maturity, which typically means lower accident rates. Bear in mind that there may be some regional variations depending on a driver’s specific circumstances and the insurers’ claims experience in the location. It would hardly be practical for Wow Wee to sell directly to individual consumers scattered around the world.
On the other hand, selling through retailers means giving up some control over pricing and promotion, and the wholesale price you get from a retailer, who has to have room to mark up a retail price, is substantially lower than youa€™d get if you sold directly to consumers.
Imagine a chain like CVS Pharmacy negotiating sales transactions with the maker of every single product that it carries in its stores. Your profit marginprofit marginAmount that a company earns on each unit sold.a€”the amount you earn on each boxa€”would therefore be less. However, the company needs wholesalers to supply an expanding base of retailers who want to carry the product. On the other hand, if Wow Wee has to hold them only temporarily while theya€™re en route to their final destinations, theya€™ll be kept in a distribution centerdistribution centerLocation where products are received from multiple suppliers, stored temporarily, and then shipped to their final destinations..
For hard-to-reach areas under the car, equipment rotates the car 90 degrees and sets the undercarriage at waist level. Railroads are moderately priced, generally accessible, and faster than ships but slower than planes. New cars, for example, might travel from Michigan to California by rail and then be moved to tractor trailers to complete their journey to dealerships.
Each member of the chain depends on the others to meet a mutually shared goal: getting the right quantity of yellow Marshmallow Peeps to customers at the right time. Once drivers enter their 60s, however, the trend begins to reverse as aging and slower reflexes begin to impact driving. With the consolidation of existing and new authorities under one roof, the CFPB is now focused and equipped to prevent financial harm to consumers while promoting practices that benefit consumers across financial institutions.
CVS deals with wholesalerswholesalers (distributors)Intermediaries who buy goods from suppliers and sell them to businesses that will either resell or use them. Theya€™re particularly appropriate for some types of goods, such as coal, grain, and bulky items (such as heavy equipment and cars).
When used alone, rail accounts for only 4 percent but is commonly combined with other modes.
Each year, the company sells about four hundred million pizzas (more than one pizza for every man, woman, and child in the United States).
Likewise, youa€™d sell your bandages to a wholesaler of health care products, which would, in turn, sell them both to businesses like CVS, Kmart, and Giant Supermarkets and to institutions, such as hospitals and college health care centers. Trucks, though fairly expensive, work for most goods and can go just about anywhere in a reasonable amount of time. Its suppliers help to make this volume possible by providing the company with about one hundred fifty million pounds of cheese and toppings. Crowded highways notwithstanding, the economy would come to a standstill without the more than 115,000 (generally small) businesses that make up the U.S. Drivers do their part by logging nine million miles a week (the equivalent of 37.5 round trips to the moon every week).



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