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Currency Fluctuation Clause


The Fund Agreement in the Courts, Vol. II


The Fund Agreement in the Courts, Vol. II



Written by Joseph Gold, former General Counsel and now Senior Consultant at the IMF, these volumes contain discussions of the ever-increasing body of cases in which the Articles have had a bearing on issues before the courts….


Adopting the Euro in Central Europe: Challenges of the Next Step in European Integration (Occasional Paper (Intl Monetary Fund))


Adopting the Euro in Central Europe: Challenges of the Next Step in European Integration (Occasional Paper (Intl Monetary Fund))



Upon entry into the European Union, countries become members of the Economic and Monetary Union (EMU), with a derogation from adopting the euro as their currency (that is, each country joining the EU commits to replace its national currency with the euro, but can choose when to request permission to do so). For most of these countries, adopting the euro will entail major economic change. This pape…


The Fund Agreement in the Courts, Vol. III: 003


The Fund Agreement in the Courts, Vol. III: 003



Written by Joseph Gold, former General Counsel and now Senior Consultant at the IMF, these volumes contain discussions of the ever-increasing body of cases in which the Articles have had a bearing on issues before the courts….








Rock Me Men's Integr II Winter Fur Low Top Snow Boot(8 D(M) US, Black)


Rock Me Men’s Integr II Winter Fur Low Top Snow Boot(8 D(M) US, Black)


$134.92


Rock Me offers a wide variety of clothing and shoes. Rock Me products are engineered using the best technologies and highest quality materials, providing you with innovative products that are functional yet stylish and a great value….

Rock Me Men's Integr II Winter Fur Low Top Snow Boot


Rock Me Men’s Integr II Winter Fur Low Top Snow Boot



Rock Me offers a wide variety of clothing and shoes. Rock Me products are engineered using the best technologies and highest quality materials, providing you with innovative products that are functional yet stylish and a great value….


Currency Fluctuation Clause




















Vollrath 68085 Wear-Ever Cookie Sheet, 17 x 14


Vollrath 68085 Wear-Ever Cookie Sheet, 17 x 14


$18.19


Cookie Sheet, Aluminum, Heavy gauge, Natural finish, 17″x14″, 10 ga., NSF, Made in U.S.A….

Lodge LCS3 Pre-Seasoned Cast-Iron Chef's Skillet, 10-inch


Lodge LCS3 Pre-Seasoned Cast-Iron Chef’s Skillet, 10-inch


$21.00


Designed for the gourmet, the Lodge Chef Skillet is great for omelets, cornbread or sauteing. This unique 10-inch skillet has sloped sides and features a teardrop handle. Cast iron loves a campfire, a stovetop, or an oven, and can slow-cook foods without scorching. It retains heat well so you can sear meat at higher temperatures and will keep your delicious meals warm for a long time. Made of cast…

Wear-Ever Half Size Natural Finish Aluminum Sheet Pan, 17-3/4x12-7/8x1


Wear-Ever Half Size Natural Finish Aluminum Sheet Pan, 17-3/4×12-7/8×1


$16.28


This Wear-Ever open bead natural sheet pan is made of impact-resistant 13-guage heavy-duty 3000 series aluminum. Tapered design for easy stacking. Sized to fit standard baker’s racks. Closed bead includes galvanized non-rusting rod for reinforcements. Concave bottoms flatten during heating for even heat distribution. Coated with non-stick coating for easy food release and cleaning. It is NSF certi…

Keywords: A Vocabulary of Culture and Society


Keywords: A Vocabulary of Culture and Society


$19.95


Now revised to include new words and updated essays, Keywords focuses on the sociology of language, demonstrating how the key words we use to understand our society take on new meanings and how these changes reflect the political bent and values of society….

How to Find Low Competition Long Tail Keywords Using Free Tools (Online Business Ideas & Internet Marketing Tips for Cheapskates Book 3)


How to Find Low Competition Long Tail Keywords Using Free Tools (Online Business Ideas & Internet Marketing Tips for Cheapskates Book 3)



You Might Never See Traffic On Your Website If You Are Not Doing This…
What you are about to read is rock solid information in the long tail keyword research area of SEO which is without doubt one of, if not the most essential part of making any sort of income online with free search engine traffic.
Without it you could build websites for years and never make a cent!

Using The Google Keyword Pl…


Keywords: A Vocabulary of Culture and Society


Keywords: A Vocabulary of Culture and Society


$14.71


First published in 1976, Raymond Williams’ highly acclaimed Keywords: A Vocabulary of Culture and Society is a collection of lively essays on words that are critical to understanding the modern world. In these essays, Williams, a renowned cultural critic, demonstrates how these key words take on new meanings and how these changes reflect the political bent and values of our past and current societ…

New 20 oz Espresso Coffee Milk Frothing Pitcher, Stainless Steel, 18/8 gauge


New 20 oz Espresso Coffee Milk Frothing Pitcher, Stainless Steel, 18/8 gauge


$9.62


This high-grade stainless steel (18/8 gauge) frothing pitcher is a must addition to your home or professional espresso coffee barista station.Dishwasher safe.DIMENSIONS:Height – 4 3/8 inchesWidth – 3 1/2 inchesDiameter (top) – 3 1/8 inchesVolume -20 ounces …

Currency Fluctuation Clause

Manage the risks of Currency Fluctuations imperative for SMEs

Within rapid contraction and an increasing number of SMEs in India to achieve emerging markets to increase its export base, it has become essential for them to pay attention not only to broaden its scope, but also the management of risks associated with market expansion. One of the most important aspects that need attention is the risk management Financial. Be a smart strategy to mitigate the risks posed by volatile currency movements helping SME exporters.

Sharp fluctuations in exchange have a significant impact on the activities of exporters, particularly in the SME segment. Therefore, there is a greater need for small units to protect fluctuations in exchange rates.

The hedging of currency fluctuations: a need

SMEs, to venture into the export market competitive also at risk of being exposed to fluctuations in exchange rates, which can affect their results. Therefore, it is important SMEs to manage their currency risks effectively and efficiently.

"A weaker U.S. dollar versus the rupee value of exports made significantly decreased, resulting in erosion of gross margins of exporters. Therefore, exporters must first determine your exposure measures of exchange and take accordingly to cope with adverse changes, "said OP Agarwal, Chairman AMBO exports, an exporter of tea small unit in Calcutta.

Experts advise exporters to first assess the market rate being negotiated and then consider whether you can spend money on losses to customers by increasing their prices.

"To guard against the risk of fluctuations in exchange rates, exporters need to assess liquidity, given the degree of influence on its profitability During the fluctuation of exchange rates and explore all possibilities. Although sealed an agreement with a foreign customer for the delivery of their goods, Exporters must negotiate the terms and retain the right to enter a price change on your client according to fluctuations in exchange rates, "said Vishnu Bang, senior analyst FutureSafe, a stockbroker in Hyderabad.

With an efficient and intelligent in, Exporters can effectively manage the risks of currency fluctuations. The key is to ensure that all decisions regarding payments, contractual acceptance and use derivatives are taken after the evaluation of important factors. It is imperative for SME exporters to be armed with a adequate information to manage foreign exchange risks, both strategic and transactional services.

For more information on B2B log in http://www.bizxchange.in/

About the Author

David Parks is a well known author and has written articles on Business Directory and B2b Website, suppliers, Manufactures and many other subjects.

Why are states inadequate to regulate their own economies?

I’m studying economic policy in my Gov class and we have to write essays about it. The first question is why is it more necessary today that the federal government regulate the economy as opposed to the states? Explain when this change took place. After looking at my book, I know that during the nineteenth century, there were lots of fluctuations between growth and recession and each individual state couldn’t combat the number of job losses and negative economic growth rate so people turned to the government for help. I was thinking that since we’re in a national recession in every state, no state has the means to regulate their economy and get it into a positive growth rate obviously since they would have already so there needs to be a national regulation because of the huge scale of the recession. I just wanted to know if anyone out there knew if I was going in the right direction or knew anything about economic policy and could help me out. Thanks a bunch (:

So you are supposed to be studying the subject and writing about and you are asking us to do your homework for you? Congratulations. I predict a great future for you.

And you are asking this in the Economics section of Yahoo Answers rather than the Government or Law sections because?

1. The states can’t regulate their own economies because they are forbidden by the Constitution and the Supreme Court: they can’t do anything about imports and exports (Interstate Commerce Clause); they can’t do anything about immigration (from other states as well as from outside the country); they can’t have their own currency (look at the trouble southern Europe is in because they are stuck with the Euro instead of having their own currencies) and so have their own monetary policies; etc.

2. Most state constitutions have balanced budget provisions so the state governments can’t use fiscal policy (cyclical deficits to stimulate the economy when it is bad; paid off with cyclical surpluses when times are good) to regulate their economies.

What tools do they have left for controlling their own economies?

Is it really “more necessary today that the federal government regulate the economy as opposed to the states”? That depends on your goals and perceived constraints.

Obviously there are people who claim to believe that the federal government should do less than it is doing. One can argue that though loud, they are very few, but they clearly have a lot of money, so they can’t be ignored. And they don’t agree about it being “more necessary today”


The Fund Agreement in the Courts, Vol. II


The Fund Agreement in the Courts, Vol. II



Written by Joseph Gold, former General Counsel and now Senior Consultant at the IMF, these volumes contain discussions of the ever-increasing body of cases in which the Articles have had a bearing on issues before the courts….


Adopting the Euro in Central Europe: Challenges of the Next Step in European Integration (Occasional Paper (Intl Monetary Fund))


Adopting the Euro in Central Europe: Challenges of the Next Step in European Integration (Occasional Paper (Intl Monetary Fund))



Upon entry into the European Union, countries become members of the Economic and Monetary Union (EMU), with a derogation from adopting the euro as their currency (that is, each country joining the EU commits to replace its national currency with the euro, but can choose when to request permission to do so). For most of these countries, adopting the euro will entail major economic change. This pape…


The Fund Agreement in the Courts, Vol. III: 003


The Fund Agreement in the Courts, Vol. III: 003



Written by Joseph Gold, former General Counsel and now Senior Consultant at the IMF, these volumes contain discussions of the ever-increasing body of cases in which the Articles have had a bearing on issues before the courts….








Rock Me Men's Integr II Winter Fur Low Top Snow Boot(8 D(M) US, Black)


Rock Me Men’s Integr II Winter Fur Low Top Snow Boot(8 D(M) US, Black)


$134.92


Rock Me offers a wide variety of clothing and shoes. Rock Me products are engineered using the best technologies and highest quality materials, providing you with innovative products that are functional yet stylish and a great value….

Rock Me Men's Integr II Winter Fur Low Top Snow Boot


Rock Me Men’s Integr II Winter Fur Low Top Snow Boot



Rock Me offers a wide variety of clothing and shoes. Rock Me products are engineered using the best technologies and highest quality materials, providing you with innovative products that are functional yet stylish and a great value….


Currency Fluctuation Clause

Manage the risks of currency fluctuations imperative for SMEs

Within rapid contraction and an increasing number of SMEs in India to achieve emerging markets to increase its export base, it has become essential for them to pay attention not only to broaden its scope, but also the management of risks associated with market expansion. One of the most important aspects that need attention is the risk management Financial. Be a smart strategy to mitigate the risks posed by volatile currency movements helping SME exporters.

Sharp fluctuations in exchange have a significant impact on the activities of exporters, particularly in the SME segment. Therefore, there is a greater need for small units to protect fluctuations in exchange rates.

The hedging of currency fluctuations: a need

SMEs, to venture into the export market competitive also at risk of being exposed to fluctuations in exchange rates, which can affect their results. Therefore, it is important SMEs to manage their currency risks effectively and efficiently.

"A weaker U.S. dollar versus the rupee value of exports made significantly decreased, resulting in erosion of gross margins of exporters. Therefore, exporters must first determine your exposure measures of exchange and take accordingly to cope with adverse changes, "said OP Agarwal, Chairman AMBO exports, an exporter of tea small unit in Calcutta.

Experts advise exporters to first assess the market rate being negotiated and then consider whether you can spend money on losses to customers by increasing their prices.

"To guard against the risk of fluctuations in exchange rates, exporters need to assess liquidity, given the degree of influence on its profitability During the fluctuation of exchange rates and explore all possibilities. Although sealed an agreement with a foreign customer for the delivery of their goods, Exporters must negotiate the terms and retain the right to enter a price change on your client according to fluctuations in exchange rates, "said Vishnu Bang, senior analyst FutureSafe, a stockbroker in Hyderabad.

With an efficient and intelligent in, Exporters can effectively manage the risks of currency fluctuations. The key is to ensure that all decisions regarding payments, contractual acceptance and use derivatives are taken after the evaluation of important factors. It is imperative for SME exporters to be armed with a adequate information to manage foreign exchange risks, both strategic and transactional services.

For more information on B2B log in http://www.bizxchange.in/

About the Author

David Parks is a well known author and has written articles on Business Directory and B2b Website, suppliers, Manufactures and many other subjects.

Why are states inadequate to regulate their own economies?

I’m studying economic policy in my Gov class and we have to write essays about it. The first question is why is it more necessary today that the federal government regulate the economy as opposed to the states? Explain when this change took place. After looking at my book, I know that during the nineteenth century, there were lots of fluctuations between growth and recession and each individual state couldn’t combat the number of job losses and negative economic growth rate so people turned to the government for help. I was thinking that since we’re in a national recession in every state, no state has the means to regulate their economy and get it into a positive growth rate obviously since they would have already so there needs to be a national regulation because of the huge scale of the recession. I just wanted to know if anyone out there knew if I was going in the right direction or knew anything about economic policy and could help me out. Thanks a bunch (:

So you are supposed to be studying the subject and writing about and you are asking us to do your homework for you? Congratulations. I predict a great future for you.

And you are asking this in the Economics section of Yahoo Answers rather than the Government or Law sections because?

1. The states can’t regulate their own economies because they are forbidden by the Constitution and the Supreme Court: they can’t do anything about imports and exports (Interstate Commerce Clause); they can’t do anything about immigration (from other states as well as from outside the country); they can’t have their own currency (look at the trouble southern Europe is in because they are stuck with the Euro instead of having their own currencies) and so have their own monetary policies; etc.

2. Most state constitutions have balanced budget provisions so the state governments can’t use fiscal policy (cyclical deficits to stimulate the economy when it is bad; paid off with cyclical surpluses when times are good) to regulate their economies.

What tools do they have left for controlling their own economies?

Is it really “more necessary today that the federal government regulate the economy as opposed to the states”? That depends on your goals and perceived constraints.

Obviously there are people who claim to believe that the federal government should do less than it is doing. One can argue that though loud, they are very few, but they clearly have a lot of money, so they can’t be ignored. And they don’t agree about it being “more necessary today”




















Vollrath 68085 Wear-Ever Cookie Sheet, 17 x 14


Vollrath 68085 Wear-Ever Cookie Sheet, 17 x 14


$18.19


Cookie Sheet, Aluminum, Heavy gauge, Natural finish, 17″x14″, 10 ga., NSF, Made in U.S.A….

Lodge LCS3 Pre-Seasoned Cast-Iron Chef's Skillet, 10-inch


Lodge LCS3 Pre-Seasoned Cast-Iron Chef’s Skillet, 10-inch


$21.00


Designed for the gourmet, the Lodge Chef Skillet is great for omelets, cornbread or sauteing. This unique 10-inch skillet has sloped sides and features a teardrop handle. Cast iron loves a campfire, a stovetop, or an oven, and can slow-cook foods without scorching. It retains heat well so you can sear meat at higher temperatures and will keep your delicious meals warm for a long time. Made of cast…

Wear-Ever Half Size Natural Finish Aluminum Sheet Pan, 17-3/4x12-7/8x1


Wear-Ever Half Size Natural Finish Aluminum Sheet Pan, 17-3/4×12-7/8×1


$16.28


This Wear-Ever open bead natural sheet pan is made of impact-resistant 13-guage heavy-duty 3000 series aluminum. Tapered design for easy stacking. Sized to fit standard baker’s racks. Closed bead includes galvanized non-rusting rod for reinforcements. Concave bottoms flatten during heating for even heat distribution. Coated with non-stick coating for easy food release and cleaning. It is NSF certi…

Keywords: A Vocabulary of Culture and Society


Keywords: A Vocabulary of Culture and Society


$19.95


Now revised to include new words and updated essays, Keywords focuses on the sociology of language, demonstrating how the key words we use to understand our society take on new meanings and how these changes reflect the political bent and values of society….

How to Find Low Competition Long Tail Keywords Using Free Tools (Online Business Ideas & Internet Marketing Tips for Cheapskates Book 3)


How to Find Low Competition Long Tail Keywords Using Free Tools (Online Business Ideas & Internet Marketing Tips for Cheapskates Book 3)



You Might Never See Traffic On Your Website If You Are Not Doing This…
What you are about to read is rock solid information in the long tail keyword research area of SEO which is without doubt one of, if not the most essential part of making any sort of income online with free search engine traffic.
Without it you could build websites for years and never make a cent!

Using The Google Keyword Pl…


Keywords: A Vocabulary of Culture and Society


Keywords: A Vocabulary of Culture and Society


$14.71


First published in 1976, Raymond Williams’ highly acclaimed Keywords: A Vocabulary of Culture and Society is a collection of lively essays on words that are critical to understanding the modern world. In these essays, Williams, a renowned cultural critic, demonstrates how these key words take on new meanings and how these changes reflect the political bent and values of our past and current societ…

New 20 oz Espresso Coffee Milk Frothing Pitcher, Stainless Steel, 18/8 gauge


New 20 oz Espresso Coffee Milk Frothing Pitcher, Stainless Steel, 18/8 gauge


$9.62


This high-grade stainless steel (18/8 gauge) frothing pitcher is a must addition to your home or professional espresso coffee barista station.Dishwasher safe.DIMENSIONS:Height – 4 3/8 inchesWidth – 3 1/2 inchesDiameter (top) – 3 1/8 inchesVolume -20 ounces …




Currency Fluctuation Clause

Prices How Determined

The share price is the price of a share of a company. Once the purchase population, the owner becomes a shareholder of the company that issued the stock.

Stock typically takes the form of shares each of the common shares or preferred shares. As a unit of ownership, social capital often leads to voting rights may be exercised in corporate decisions. Preferred shares differ from ordinary shares, which generally have no right to vote but is legally entitled to receive a certain level of dividend payments before dividends can be issued to other shareholders. convertible preferred stock is preferred stock that includes an option for the holder to convert preferred shares into that number of shares Common generally at any time after a predetermined date. Actions speak of "convertible preferred shares" (or "actions Convertible preferred "UK)

Although there are many commonalities between stocks of different companies, each issue further action could have clauses attached to it legal to do so dynamically different from the more general cases. Some common shares may be issued without voting rights typically be included, for example, or some shares may have special rights unique to them and issued only to certain parties. Note that not all equity shares are the same

When you look over a long period, the share price is directly related to profits and dividends from the company. In short periods especially for young or small firms, the relationship between stock prices and Dividends may be quite irrational.

United States, a party must be a prize of $ 1 or more to be covered by NASDAQ. If the price of shares falls below that level that people are "retired landing, and becomes an OTC (over the stock cons). Technically, a mother should be priced $ 1 or more than 10 consecutive days of operations during each month to remain on the list.

Many U.S. companies trying to maintain their share price (also called stock price) low, partly based on the "round lot" trading (multiples of 100 shares). A Company may adjust the price of its shares by a stock split, also known as stock dividend. Many large companies keep their prices within the range price from $ 25 to $ 75.

In the current economic and financial theory, analysts use random walk techniques to model the behavior of asset prices in stock prices, especially stock markets, exchange rates and commodity prices. This practice is based on the assumption that investors act rationally and without prejudice, and that at any time to estimate the value of an asset based on future expectations. In Accordingly, all existing information affects the price, which change as new information comes out. By definition, new information appears on a random influence asset prices to chance.

The empirical studies have shown that prices are not completely random. a low serial correlation (around 0.05) exist in the short term, and slightly stronger correlations over the long term. Its sign and strength depends on various factors.

The researchers found that some of the biggest price differences resulting from random walks seasonal and temporary. In Specifically, returns in January significantly higher than in other months (January effect) and stock prices fall Monday than any other day. Observers noted these effects in many different markets for more than half a century, but failing to give a completely satisfactory explanation for its persistence.

Technical analysis uses most of the anomalies of information on future price movements from historical data. However, some economists such as Eugene Fama, argue that most of these models are produced by accident, rather than as a result of irrational behavior or inefficient investors: the huge amount of data available to researchers for analysis allegedly causes fluctuations.

A Another school of thought, behavioral finance, attributes non-randomness to investors through cognitive and emotional. This can be contrasted with fundamental analysis.

Stock typically takes the form of shares of each common share or preferred share. As unit ownership, social capital often leads to voting rights may be exercised in corporate decisions. Preferred Shares differs from common stock, normally do not carry voting rights but is legally entitled to receive a certain level of dividend payments before dividends can be issued to other shareholders. Convertible preference shares are preference shares which includes an option for the holder to convert shares preferred a fixed number of common shares, usually all from a predetermined date. The actions of these actions are called "Convertible preferred shares" (or "convertible preferred shares" UK)

Although there are many commonalities between stocks of different companies, each issue of new shares could have clauses attached to it legal to do so dynamically different of the more general cases. Certain shares may be issued without voting rights typical, including, for example, or some shares may have special rights unique to them and issued only to certain parties. Note that all equity shares are themselves.

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Why are states inadequate to regulate their own economies?

I’m studying economic policy in my Gov class and we have to write essays about it. The first question is why is it more necessary today that the federal government regulate the economy as opposed to the states? Explain when this change took place. After looking at my book, I know that during the nineteenth century, there were lots of fluctuations between growth and recession and each individual state couldn’t combat the number of job losses and negative economic growth rate so people turned to the government for help. I was thinking that since we’re in a national recession in every state, no state has the means to regulate their economy and get it into a positive growth rate obviously since they would have already so there needs to be a national regulation because of the huge scale of the recession. I just wanted to know if anyone out there knew if I was going in the right direction or knew anything about economic policy and could help me out. Thanks a bunch (:

So you are supposed to be studying the subject and writing about and you are asking us to do your homework for you? Congratulations. I predict a great future for you.

And you are asking this in the Economics section of Yahoo Answers rather than the Government or Law sections because?

1. The states can’t regulate their own economies because they are forbidden by the Constitution and the Supreme Court: they can’t do anything about imports and exports (Interstate Commerce Clause); they can’t do anything about immigration (from other states as well as from outside the country); they can’t have their own currency (look at the trouble southern Europe is in because they are stuck with the Euro instead of having their own currencies) and so have their own monetary policies; etc.

2. Most state constitutions have balanced budget provisions so the state governments can’t use fiscal policy (cyclical deficits to stimulate the economy when it is bad; paid off with cyclical surpluses when times are good) to regulate their economies.

What tools do they have left for controlling their own economies?

Is it really “more necessary today that the federal government regulate the economy as opposed to the states”? That depends on your goals and perceived constraints.

Obviously there are people who claim to believe that the federal government should do less than it is doing. One can argue that though loud, they are very few, but they clearly have a lot of money, so they can’t be ignored. And they don’t agree about it being “more necessary today”


The Fund Agreement in the Courts, Vol. II


The Fund Agreement in the Courts, Vol. II



Written by Joseph Gold, former General Counsel and now Senior Consultant at the IMF, these volumes contain discussions of the ever-increasing body of cases in which the Articles have had a bearing on issues before the courts….


Adopting the Euro in Central Europe: Challenges of the Next Step in European Integration (Occasional Paper (Intl Monetary Fund))


Adopting the Euro in Central Europe: Challenges of the Next Step in European Integration (Occasional Paper (Intl Monetary Fund))



Upon entry into the European Union, countries become members of the Economic and Monetary Union (EMU), with a derogation from adopting the euro as their currency (that is, each country joining the EU commits to replace its national currency with the euro, but can choose when to request permission to do so). For most of these countries, adopting the euro will entail major economic change. This pape…


The Fund Agreement in the Courts, Vol. III: 003


The Fund Agreement in the Courts, Vol. III: 003



Written by Joseph Gold, former General Counsel and now Senior Consultant at the IMF, these volumes contain discussions of the ever-increasing body of cases in which the Articles have had a bearing on issues before the courts….








Rock Me Men's Integr II Winter Fur Low Top Snow Boot(8 D(M) US, Black)


Rock Me Men’s Integr II Winter Fur Low Top Snow Boot(8 D(M) US, Black)


$134.92


Rock Me offers a wide variety of clothing and shoes. Rock Me products are engineered using the best technologies and highest quality materials, providing you with innovative products that are functional yet stylish and a great value….

Rock Me Men's Integr II Winter Fur Low Top Snow Boot


Rock Me Men’s Integr II Winter Fur Low Top Snow Boot



Rock Me offers a wide variety of clothing and shoes. Rock Me products are engineered using the best technologies and highest quality materials, providing you with innovative products that are functional yet stylish and a great value….


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