Current Economic Conditions

Employment Levels
Current unemployment rate is at 3.7%
Interest Rates: Current interest rates are ranging from 4-5% depending on the loan
amount as well as time with all averaging APR of around 5%.
Rate of inflation and Deflation
The current rate of inflation for 2018 is 1.9% and is expected to stay like this for the rest
of the year while the expected inflation rate for 2019 is expected to move 2%
How it will effect TT
Currently the U.S economy has been doing very well in the past recent years with 
interest rates and unemployment being at a all time low. With the inflation rate expected 
to rise by .1% there shouldn't be a huge change in prices during next year. The economy 
has been doing very well meaning that consumers will be able to purchase with 
confidence meaning higher sales for tailored tronics. Eventually with the economy 
growing at such a rapid pace there is a correction that is expected but it is unknown 
when it might happen. 

Company Overview 
Tailored Tronics was founded in August 2018 at Waubonsie Valley 
High School in Aurora Illinois and is classified as a Limited Liability 
Corporation. We are a company in the electronics and accessories 
industry, as our products cater to both types of consumers. Tailored 
Tronics is a company selling customizable phone and laptop accessories 
that are available for individuals as well as entire firms.  
 
Mission Statement 
To provide high-quality, fashionable, and diverse products to 
consumers that are unique to their interests and to promote unity among 
businesses by creating uniform tech accessories. 
 
 
 
Company Goals 
 
1. To promote seasonal products: Tailored Tronics plans to advertise their 
new product designs on social media, correlating to specific holidays. 
This will boost boost  
2. To compile bundle opportunities that will be popular at trade shows: to 
increase profit, we will use different bundling options to accommodate 
to the consumers needs and price range. 
3. To network and work with other firms on special orders: due to the 
versatility of our company, Tailored Tronics plans to create partnerships 
for other firms and design custom merchandise for them to distribute 
amongst their companies  
4. Make a profit: Although we are projected to lose money over the first 
year we plan to only be in debt $15,000 
 
 
Target Market & Market Segmentation 
SWOT Analysis 
 
Strengths:  
Tailored Tronics will allow consumers to customize their technology to fit 
their unique personality by creating quality accessories that will last a lifetime. 
Competitors of Tailored Tronics mostly lack the creative drive that employees 
at the Aurora-based company withhold, making TT the obvious choice when it 
comes to all of one's electronic needs. ` 
Tailored Tronics consists of a skilled, knowledgeable team, able to 
collaborates easily on company tasks. Along with strong teamwork abilities, 
Tailored Tronics has valuable resources, including knowledgeable facilitators 
and advanced technology. The advanced graphics software and interactive 
tablets are available to the Creative Services team, ready at their fingertips. This 
has allowed Tailored Tronics’ customer service to function at the highest 
standard possible. Many interactions may take place online with ease as the 
Portal holds communication information for all firms.  
 Tailored Tronics produces universal products that are predicted to gather 
hundreds of sales. At trade shows, our company’s sales representatives have 
the ability to target any potential buyer. The demographics of these events 
exactly fit our target market. Our modern society is heavily reliant on 
electronics as over 2.5 billion people use a personal device on a daily basis. The 
opportunities for product lines and product bundles are endless as Tailored 
Tronics will design products that will match all customer interests that we have 
vigorously researched.  
 
Weaknesses: 
Like all companies, Tailored Tronics does have some weaknesses that will 
need to be addressed throughout the company's introductory period. 
To begin with, the company is extremely young. As a new company, 
Tailored Tronics has little reputation to begin with and a lack of structure that 
other companies may already withhold. We also have little capital so we will 
need to make sales quickly to obtain enough money to start off on the right 
foot. Tailored Tronics employees have never dealt with a Virtual Enterprise 
before as this occupation is only available to those in their senior year at 
Waubonsie Valley High School.  
Besides our lack of capital and reputation, Tailored Tronics has other 
weaknesses that will need to be addressed during the first few phases of our 
new company. By being a new company, we have never worked with each 
other on a project like a Virtual Enterprise. This will make running the company 
efficiently difficult but will most definitely improve over time. Although Tailored 
Tronics has some weaknesses, we can easily overcome our obstacles and create 
a successful company that will be praised by all.  
 
 
Opportunities: 
Along with countless strong suits in the office, Tailored Tronics is offered 
multiple opportunities that will allow the business to prosper. To begin with, 
Tailored Tronics offers products that are universal and can be useful to users no 
matter where they are located. This will be helpful in the Virtual Enterprise 
community as there are many companies located outside of the United States 
that can take full advantage of the unique products Tailored Tronics has to 
offer.  
Alongside their universal use, Tailored Tronics’ products are easily 
customized to collaborate with any company. This will allow the business to 
grow exponentially as it is relevant to any and every realm of the community. 
 
Threats: 
Although there are many aspects that may allow Tailored Tronics to 
prosper, there is one factor that can negatively affect the business if not 
defended against.  
To begin with, electronics is a very popular market at the moment. 
Because there are so many competitors trying to profit off of the modern craze, 
Tailored Tronics faces many competitors even in the Virtual Enterprise 
community. Although it may seem like the company will blend into the rest, 
Tailored Tronics’ fresh ideas will allow the company to prosper and lead their 
market.  
 
7 External Environment
Real
I​n the real world, there are thousands of companies selling phone cases and accessories.
This is a massive industry that is expanding constantly. Through a short “Instagram search” anyone
can find hundreds of online-only companies. Retailers like Target, Forever 21, Walgreens, and so
many more buy cases from other wholesalers similar to Tailored Tronics and sell them for much
lower prices. Products like Popsockets and cardholders can often be found as giveaways. What can
set Tailored Tronics apart is the aspect of being customizable. Vistaprint, Skinit, and, Go
Customized are among the hundreds of websites that do many kinds of customizable products, not
only phone and laptop accessories. Go Customized in particular has relatively higher quality and
more diverse types of base cases than we offer which they sell for a very similar price to ours. What
will make Tailored Tronics more attractive will be our bulk orders and product packages. Many of
these previously named websites do not explicitly offer deals for bulk orders. In the real world
Tailored Tronics will have heavy competitive pressure to distinguish us from the competition. We will
also probably be less profitable considering the variety of cases all over offered for lower prices as
well as if we are required to lower our prices to be more attractive to our competitive market.​I
Virtual
The Virtual Enterprise world is extensive throughout many markets. The electronics industry
is a huge aspect of this. Through the research conducted, there were no companies solely dedicated
to selling phone accessories. One close competitor is A-1 Enterprises located in Bensenville, IL. A-1
sells a variety of smart products including innovative smartphones, large sound systems, televisions,
solar powered battery phone cases, and portable speakers. They will be our closest competitor with
the phone cases at the lowest price of $69. These cases are not customizable though they come in
multiple colors all marked with the A-1 logo. A-1 could also be an asset if Tailored Tronics may
partner with them to make their cases more customizable though, their price point average is well
above ours around $1,000. There is another company Atlas that sells tracking accessories. Though
not specifically for phones these products are stickers and keychains that link to smartphones
through a Bluetooth app able to locate anything. The prices for these items are very low and may
compare to us as these are additional expenses for phone cases. Another company was ClearTech.
ClearTech did not have a website but they do have the statement of “a technology company
specializing in accessories and speakers” which could indicate a potential competitor. Lastly, there is
a specific company called Cynosure Telecom which sells smartphones and tablets as well as
accessories like headphones and chargers at similar prices to us around $15.

Our goal, is to market our products and custom services in a

way that they will appeal to young, creative individuals that want to express themselves through
designs that they put on their cases and device accessories while also making sure that the
products they buy protect their devices. Products such as the adhesive carriers, popsockets,
and
portable chargers will give added convenience to their lives as well. The customizable feature
just
enhances our products further as people can make their cases and accessories their own with
the
different levels of customization that we offer for each of our products.
Marketing Mix
Product
Laptop Cases- Our laptop cases are built with the toughest heavy silicone plastic and are 100%
durable against
drops, water spills, scratches, and all potential damages. These cases are also fully
customizable
and tailored to the customer’s exact wants and needs.
Laptop Sleeves- These laptop sleeves are constructed with high quality, lightweight fabrics to
create a protective cover against water and scratches. These sleeves are fully designed by the
customer to fulfill whatever they desire.
Keyboard Covers- The keyboard covers that we create are designed to give any laptop a unique
appearance from a standard laptop. These can be customized to fit anyone’s preference to
stand
out while protecting your keyboard from getting dirty and ensuring that no keys ever become
broken.
Promotion
We can promote our benefits by flooding popular social media about how our company values
quality, durability, and uniqueness, whilst satirizing ad space with a variety of visuals featuring
our
phone cases, laptop cases, and popsocket designs. Because we are marketing to a younger
audience, we believe a social media ad campaign will really strive to make our company well
known
and respected. Snapchat, and twitter are major platforms, yet Youtube and Instagram could also
be used as well. We want to get our logo out with the moto, and have a clear visual of a random
T.T. product as an example, with a short comment relating to the products purpose/strength.
If the ad is clicked, it will link directly to the Tailored Tronic website, where sales will be made.
We
will leave website layout and creation in the hands of our Creative Design branch.
Getting as much information about us to the average target market will increase our favorability
and our brand names recognition.

Price
Cases
Purchase for $5.57
Sell for $40 ($50 for customized)
Profit $34.43
Keyboard Covers
Purchase for $.63
Sell for $10 ($12.50 for customized)
Profit $9.37
Sleeves
Purchase for $1.50
Sell for $10 ($15 for customized)
Profit $8.50
Positioning
Marketing Mix

Tailored Tronics offers an affordable way to design and customize cases for your phones and
laptops
High quality phone cases that are affordable to the consumer
Our products will have better quality than other companies like us
Cases will feature more design options and customization options, such as colors, pictures,
designs, etc.
We will position ourselves to individual companies rather than individual consumers by
selling our products as a way of bundle/ package distribution.
Through this we can maximize profits out of one individual bundle sale rather than focusing
on individual product purchases by one person
If the people in the company as a whole are using the products made by Tailored Tronics and if
they like our work, then they’ll come back and make more individual purchases.
This way not only are we targeting our vast target market which is teenagers but it also gives
us a secondary target market which is CEO’s or CAO’s of other VEI firms
Placement
Percentage of sales from trade shows 50%
Percentage of sales from website 25%
Percent of sales from deals with other firms 15%

Trade shows run from 1 to at least 3 days

Goal: To convince the customers to buy from Tailored-Tronics, or at least get our name out
there

Tailored Tronics

Tailored Tronics
Income Statement
For the Year Ending 05/31/2019

Online sales revenues: 103,000.00

Trade fair revenues 180,000.00
Contractual sales to non-VE entities 470,750.001
Total sales revenues 753,750.00

Cost of goods sold or services provided 137,727.882

Gross profit 616,022.12

Operating expenses:
Salaries 588,000.00
Storage 1,400.00
Rent 10,453.31
Depreciation 1,000.00
Payroll tax 96,516.00
Advertising 3,500.00
Insurance 525.00

1
This is money that we will try to attain from a local business in order to lock in more sales.

2
This is the cost of merchandise we buy for our inventory to create our products.
Miscellaneous 350.00
Interest 726.65
Utilities 4,102.00
Total operating expenses 706,572.96

Income from operations -90,550.84

Other revenues/gains and expenses/losses 0.00
Net loss before taxes -90,550.84
Corporate income tax 0.00
Net loss after taxes -90,550.84

SALES PROJECTION

Tailored Tronics
Estimated Cash Budget
Seven Month Projection

Description October November December January February March April

$ $ $
$ $ $ (47,767.55 (39,701.24 (30,233.98
Beginning Cash Balance 20,000.00 66,326.60 69,854.19 $ 1,703.07 ) ) )

Receipts of Cash:
$
Online Sales $ 2,000.00 $ 3,500.00 $ 5,000.00 $ 6,500.00 $ 8,000.00 $ 9,500.00 10,000.00
$ $ $
Trade Show Sales 60,000.00 60,000.00 60,000.00
$ $ $ $ $ $
Sales Contract 47,574.59 47,574.59 47,574.59 $ 47,574.59 47,574.59 47,574.59 47,574.59
$
Loan Proceeds 100,000.00
$ $ $ $ $ $
Total Receipts 149,574.59 111,074.59 52,574.59 $ 54,074.59 115,574.59 117,074.59 57,574.59
Beginning Balance + $ $ $ $ $ $
Receipts 169,574.59 177,401.19 105,149.18 $ 55,777.66 67,807.04 77,373.35 27,340.61
Cost of Merchandise $ 260.00 $ 8,255.00 $ 650.00 $ 845.00 $ 8,840.00 $ 9,035.00 $ 1,300.00

Payments:
Advertising Expense $ 500.00 $ 500.00 $ 500.00 $ 500.00 $ 500.00 $ 500.00 $ 500.00
Corporate Tax Expense - - - - - - -
Federal Unemployment
Tax Expense $ 336.00 $ 336.00 $ 336.00 $ 336.00 - - -
Insurance Expense $ 75.00 $ 75.00 $ 75.00 $ 75.00 $ 75.00 $ 75.00 $ 75.00
Interest Expense $ 395.83 $ 389.98 $ 384.09 $ 378.19 $ 372.26 $ 366.31 $ 360.34
Medicare Tax Expense $ 3,780.00 $ 3,780.00 $ 3,780.00 $ 3,780.00 $ 3,780.00 $ 3,780.00 $ 3,780.00
Miscellaneous Expense $ 50.00 $ 50.00 $ 50.00 $ 50.00 $ 50.00 $ 50.00 $ 50.00
Loan Payment $ 1,875.69 $ 1,875.69 $ 1,875.69 $ 1,875.69 $ 1,875.69 $ 1,875.69 $ 1,875.69
Rent Expense $ 1,493.33 $ 1,493.33 $ 1,493.33 $ 1,493.33 $ 1,493.33 $ 1,493.33 $ 1,493.33
$ $ $ $ $ $
Salary Expense 84,000.00 84,000.00 84,000.00 $ 84,000.00 84,000.00 84,000.00 84,000.00
Social Security Tax
Expense $ 5,280.00 $ 5,280.00 $ 5,280.00 $ 5,280.00 $ 5,280.00 $ 5,280.00 $ 5,280.00
State Sales Tax Expense $ 140.14 $ 4,445.00 $ 350.00 $ 455.00 $ 4,760.00 $ 4,865.00 $ 700.00
State Unemployment Tax
Expense $ 4,536.00 $ 4,536.00 $ 4,536.00 $ 4,536.00 $ 4,536.00 $ 4,536.00 $ 4,536.00
Storage Expense $ 200.00 $ 200.00 $ 200.00 $ 200.00 $ 200.00 $ 200.00 $ 200.00
Utilities Expense $ 586.00 $ 586.00 $ 586.00 $ 586.00 $ 586.00 $ 586.00 $ 586.00
$ $ $ $ $ $ $
Total Expenses 103,247.99 107,547.00 103,446.11 103,545.21 107,508.28 107,607.33 103,436.36
$ $ $
Cash Balance at the End $ $ $ (39,701.24 (30,233.98 (76,095.75
of the Month 66,326.60 69,854.19 $ 1,703.07 (47,767.55) ) ) )
$ $
$ (68,151.12 $ (45,861.77
Net Increase/Loss 46,326.60 $ 3,527.59 ) (49,470.62) $ 8,066.31 $ 9,467.26 )

BALANCE SHEET
 Balance Sheet
Projected as of 10/31/18

Assets

Current Assets
Cash 0
Start-up Loan 120,000
Accounts receivable 0
Merchandise inventory 0
Supplies 0

Total Current Assets 120,000

Fixed Assets
Computers 3,600
Less: accumulated depreciation 0
Furniture and fixtures 4,750
Less: accumulated depreciation 0
Office equipment 2,000
Less: accumulated depreciation 0

Total Fixed Assets 10,350

Total Assets 130,350

Liabilities and Stockholders'

Equity

Current Liabilities
Accounts payable 0
Sales tax payable 140
Salaries payable 52792
Payroll tax payable 12,000
401(k) payable 0
Other payable 11,339
Corporate tax payable 0
Total Current Liabilities 107,479

Long Term Liabilities

Loan payable 100,000
 Total Liabilities 176272

Stockholders' Equity
Paid-in capital
Preferred Stock

Common stock, $10 par value, * # shares issued 20,000

Additional paid-in-capital
In excess of par value 0
Retained earnings -65922

Total Stockholders' Equity -77,129

Total Liabilities and

Stockholders' Equity 130,350

AMORTIZATION TABLE

Virtual Enterprises International

Loan Amortization Table

Loan
Information Summary
Loan Amount Rate (per
(Principal) 100,000 period) 0.3958%
Annual Interest Number of
Rate 5% Payments 12
Term of Loan in Total of
Years 1 Payments 102,591.55
# of Payments
per Year 12 Total Interest 2,591.33
Payment Type
Monthly
Payment ($8,549.30)
 Revised
Interest for the Total Balance Payment for Principal Balance
No. Principal Period Outstanding the period Reduction Outstanding
1 100,000 395.80 100,395.80 8549.30 8153.50 91,846.50
2 91846.50 363.53 92,210.03 8549.30 8185.77 83,660.74
3 83660.74 331.13 83,991.87 8549.30 8218.17 75,442.57
4 75442.57 298.60 75,741.17 8549.30 8250.69 67,191.88
5 67191.88 265.95 67,457.82 8549.30 8283.35 58,908.53
6 58908.53 233.16 59,141.69 8549.30 8316.14 50,592.39
7 50592.39 200.24 50,792.63 8549.30 8349.05 42,243.34
8 42243.34 167.20 42,410.54 8549.30 8382.10 33,861.24
9 33861.24 134.02 33,995.26 8549.30 8415.27 25,445.97
10 25445.97 100.72 25,546.68 8549.30 8448.58 16,997.39
11 16997.39 67.28 17,064.66 8549.30 8482.02 8,515.37
12 8515.37 33.70 8,549.07 8549.30 8515.59 (0.22)
Totals 2,591.33 102,591.55 100,000.22

Break Even Analysis

Average selling price per sale $22.63

Average cost of goods sold per sale $2.06
Average profit rate 90.90%
Annual Fixed Cost $736,338.28

X Y Y Y Y
Variable
Units Sold Revenue Cost Fixed Cost Total Cost
18000 $407,340.00 $37,080.00 $736,338.28 $773,418.28
19000 $429,970.00 $39,140.00 $736,338.28 $775,478.28
20000 $452,600.00 $41,200.00 $736,338.28 $777,538.28
21000 $475,230.00 $43,260.00 $736,338.28 $779,598.28
22000 $497,860.00 $45,320.00 $736,338.28 $781,658.28
23000 $520,490.00 $47,380.00 $736,338.28 $783,718.28
24000 $543,120.00 $49,440.00 $736,338.28 $785,778.28
25000 $565,750.00 $51,500.00 $736,338.28 $787,838.28
 26000 $588,380.00 $53,560.00 $736,338.28 $789,898.28
27000 $611,010.00 $55,620.00 $736,338.28 $791,958.28
28000 $633,640.00 $57,680.00 $736,338.28 $794,018.28
29000 $656,270.00 $59,740.00 $736,338.28 $796,078.28
30000 $678,900.00 $61,800.00 $736,338.28 $798,138.28
31000 $701,530.00 $63,860.00 $736,338.28 $800,198.28
32000 $724,160.00 $65,920.00 $736,338.28 $802,258.28
33000 $746,790.00 $67,980.00 $736,338.28 $804,318.28
34000 $769,420.00 $70,040.00 $736,338.28 $806,378.28
35000 $792,050.00 $72,100.00 $736,338.28 $808,438.28
36000 $814,680.00 $74,160.00 $736,338.28 $810,498.28
37000 $837,310.00 $76,220.00 $736,338.28 $812,558.28
38000 $859,940.00 $78,280.00 $736,338.28 $814,618.28
39000 $882,570.00 $80,340.00 $736,338.28 $816,678.28
40000 $905,200.00 $82,400.00 $736,338.28 $818,738.28

Break even
point in sales
dollars: =
Average selling price x Breakeven point in units
Total sales at break even = $810,079.50

Break even point in # of sales:

Break even point in units = Fixed costs/(Average selling price per unit - average variable cost
per unit)
Break even point in units = 35,796.71

   
 FINANCIAL SUMMARY 
The estimated cash budget is a statement that projects how much cash we will have 
on hand every month. We begin with our beginning cash balance, which is the ending cash 
balance of the previous month. In the first month, October, our beginning cash balance is 
$20,000 because we are a start up business and every first-year business receives that 
much money. All of our methods to receive sales (Trade Shows, online sales, Sales Contracts 
with non VE Entities) during the month are then added to our beginning cash balance to find 
the total of the beginning cash balance and receipts. After that, all of our monthly expenses 
(Salaries, payroll tax., etc) are added to find the total expenses. This number is then 
subtracted from the total of the beginning cash balance and receipts to find the cash balance 
at the end of the month. We then compare that to the beginning cash balance to find the 
net increase or loss. Tailored Tronics’ goal is to have a net increase, but depending on the 
amount of sales we receive, we may have a net decrease in some months. To avoid this, we 
want to increase sales with new marketing strategies in order to make as much money as 
possible. We will also want to limit our expenses as much as possible. 
The income statement is a financial statement that determines our projected net 
income for the fiscal year. First, all different sources of revenue are added to find total 
revenue and then that is subtracted by the cost of merchandise sold to find the gross profit. 
Then, all operating expenses are calculated and added to find its total. That total is then 
subtracted from the gross profit to find the net income or loss. As seen on the statement, our 
projected net loss is $90,550.84. Because we are a first year business, it is difficult to make a 
net income and most first year businesses usually do have a net loss. Our goal for the year is 
to generate revenue and minimize expenses in order to possibly have a net income instead.
The balance sheet is a statement measuring financial strength. The assets are equal to 
liabilities plus stockholders’ equity. First, all current and fixed assets are calculated and 
recorded to find the total assets. Then, current and long-term liabilities are recorded to find 
total liabilities and that is added to the total stockholders’ equity. After determining that 
these two balances equal, we know that the balance sheet is valid. After the year is over and 
we have an actual balance sheet, the numbers may be different, but the total assets must 
equal the total liabilities plus stockholders’ equity. 
The break-even analysis is used to determine the point at which Tailored Tronics’ total 
revenue will equal the total cost of the operation of our business. In our first year, we plan to 
receive $753,750 in revenue. At this point, we will not have broken even because our 
breakeven point is $810,079.50. This is not unusual because new companies do not usually 
break-even in their first year of business. StartUps.co states that a company usually begins to 
be successful after around four years and finally begins to run like a r​ eal b ​ usiness. Starting a 
business is an investment, and at Tailored Tronics, we understand that. Nevertheless, our 
employees will continue to push sales in an effort to breakeven in our first fiscal year. 
 
 ● Marketing Mix:
○ Product
■ Laptop Cases
● Our laptop cases are built with polycarbonate and are 100%
durable against drops, water spills, scratches, and all potential
damages. These cases are also fully customizable and tailored to
the customer’s exact wants and needs.
■ Laptop Sleeves
● These laptop sleeves are constructed with a lycra material to
create a protective cover against water and scratches. These
sleeves are fully designed by the customer to fulfill whatever they
desire.
■ Keyboard Covers
● The keyboard covers that we create are designed to give any
laptop a unique appearance from a standard laptop. These can be
customized to fit anyone’s preference to stand out while protecting
your keyboard from getting dirty and ensuring that no keys ever
become broken. 
 
 

Works Cited
“Cell Phone Accessories.” ​Walgreens: Trusted since 1901,​
www.walgreens.com/q/cell+phone+accessories.
Forever21. “Home.” ​Forever21,​
www.forever21.com/us/shop/catalog/category/f21/home-and-gift?dynamic=1.
“More Products.” ​Cynosuretelecom,​ www.cynosuretelecom.com/more-products.
“Number of Smartphone Users Worldwide 2014-2020.” ​Statista,​
www.statista.com/statistics/330695/number-of-smartphone-users-worldwide/.
Phone Cases : Target,​ www.target.com/s?searchTerm=phone%2Bcases.
“PHONE CASES.” ​Custom Phone Cases | IPhone | Samsung | IPad,​
www.gocustomized.com/category/phonecases/.
Products |,​ atlastrackers.com/products/.
Skinit.com,​ www.skinit.com/.
 Vistaprint.com,​
www.vistaprint.com/photo-gifts/phone-cases?couponAutoload=1&GP=10%2F29%2
F2018%2B19%3A45%3A38&GPS=5207875157&GNF=0.
www.a1enterprises.org/shop​.
“The Employment Situation - December 2018.” ​BLS​,
www.bls.gov/news.release/pdf/empsit.pdf.
Amadeo, Kimberly. “How Bad Is Inflation? Past, Present, Future.” The Balance Small
Business, The Balance,
www.thebalance.com/u-s-inflation-rate-history-by-year-and-forecast-3306093.
“Current Mortgage and Refinance Rates.” International Jobs at Wells Fargo - Wells
Fargo
Careers, www.wellsfargo.com/mortgage/rates/.
Amadeo, Kimberly. “How Fast Should the Economy Grow?” The Balance Small
Business, The Balance, 24 Dec. 2018,
www.thebalance.com/what-is-the-ideal-gdp-growth-rate-3306017.