assignmentssolution@gmail.com

Get Assignments and Projects prepared by experts at a very nominal fee.

More than 8 years in assisting assignments and projects/dissertation/thesis of MBA,BBA,BCA,MCA,PhD and others-

Contact us at : Email : assignmentssolution@gmail.com

Help for : SMU, IIBM,IMT, NMIMS, NIBM ,KSBM, KAIZAN, ISBM, SYMBIOSIS, NIMS, IGNOU, XAVIER, XIBMS, ISM, PSBM, NSBM, NIRM, ISBM, ISMRC, ICMIND, UPES and many others.

Help in : Assignments, projects, M.Phil,Ph.D disseration & thesis,case studies

Courses,MBA,BBA,PhD,MPhil,EMBA,MIB,DMS,MMS,BMS,GDS etc

Contact us at : Email : assignmentssolution@gmail.com



Saturday 12 October 2019

E-Mail us for the solutions of NMIMS Dec 2019 assignments at nominal rates : Contact us at assignmentssolution@gmail.com




NMIMS Global Access
School for Continuing Education (NGA-SCE)
Course: Business Economics
Internal Assignment Applicable for December 2019 Examination
1. Calculate the following: (10 Marks)
Quantity
Total Fixed
Total Variable
Total
Average
Marginal
Cost
Cost
Cost
Cost
Cost
25
10
18
?
?
?
26
10
20
?
?
?
27
10
21
?
?
?

2. “Determinant of demand are the important factor which influences the decision of the
consumers to purchase commodity or a service”
With respect to the above statement discuss any 5 determinants of the individual demand.
(10 Marks)

3 a. Suppose the monthly income of an individual increases from Rs. 10,000 to Rs. 15,000
which increases his demand for clothes from 20 units to 25 units. Calculate the income
elasticity of demand and interpret the result. (5 Marks)
b. Quantity demanded for tea has increased from 100 to 160 units with an increase in the price
of the coffee powder from Rs. 40 to Rs. 50. Calculate the cross elasticity of demand between
tea and coffee and explain the relationship between the goods. (5 Marks)
**********

















NMIMS Global Access
School for Continuing Education (NGA-SCE)
Course: Financial Accounting and Analysis
Internal Assignment Applicable for December 2019 Examination
Assignment Marks: 30

1. Wildcat Ltd, a manufacturing company sold a machinery for Rs 8 lacs at the year end.
The company had purchased the machinery four years back for Rs 15 lacs and had
depreciated the same using written down value method of depreciation @ 20%.
As an accounts executive of Wildcat Ltd, calculate the WDV of the asset for the four
years, accumulated depreciation for four years and profit/loss on sale, if any.
(10 Marks)

2. Mr. Shil Wants to record the financial transactions of his newly started business.
Discuss what accounting steps/stages he need to adhere so that the transactions can be duly
recorded and processed in order to prepare the financial statements
. (10 Marks).

3 a. Following information is available in respect of a company named, as Beta Ltd
Particulars
Amount
Profit before taxes
Rs 50 lakhs
Dividend declared per share
Rs2
Price of the share prevalent on stock
exchange
Rs 200
Applicable tax rate
35%
Share capital of company 5 lakh shares
of Rs 10 each
Calculate-
· Earnings per share
· Dividend Pay-out Ratio
· Price earnings ratio
(5 Marks)
b. Prepare the cash flow statement from investing activities of Alpha Creative Ltd for the
year ended March31, 2019


Particulars
Amount
Plant acquired
160000
Claim received for loss of plant in fire
45500
Unsecured loans given to subsidiaries
595000
Interest on loan received from subsidiary companies
72500
· Also give reasons for the classification of above activities as inflow /outflow (5 Marks)
**********
NMIMS Global Access
School for Continuing Education (NGA-SCE)
Course: Information Systems for Managers
Internal Assignment Applicable for December 2019 Examination
Assignment Marks: 30
1. The healthcare space inundated with the presence of 4, 00,000 apps approximately which
are involved in monitoring and improving user’s health. These apps monitor user’s health
data like calorie intake, physical activity, heart rate, blood pressure, sleep patterns and
various other parameters. With the help of these self-monitoring apps users get more
personalized information and are capable of transforming how healthcare will be delivered
to them. Healthcare industry is embracing analytics to improve disease prevention, increase
the accuracy of diagnoses, provide safe medications, and make treatments more
effective. Give examples how different stakeholders in the healthcare industry use analytics
(Healthcare professionals, healthcare providers, pharmaceutical companies and
government). (10 Marks)

2. Fresh milk startup Country Delight has raised $7-10 million in a Series B funding
round led by venture capital firm Matrix Partners. The company claims to source milk
directly from the farm, eliminating the middle men and allowing farmers to earn a premium.
It also invests in cold chain and quality testing infrastructure at the farmer’s location. The
company offers other milk-based products including paneer, curd and ghee through its
mobile app. How do you think technology can help this startup in improving the dairy supply
chain from process management to tracking products and deliveries? (10 Marks)
(Source: https://www.livemint.com/companies/start-ups/country-delight-raises-funding-inround-led-by-matrix-partners-1548182312046.html)

3. The northern Spanish city of Santander has become the testing ground for "smart cities"
around the world. Smart Santander is a smart city experiment aimed at improving the quality
of life, reducing energy consumption and engaging its citizens in civic duties. The city
implemented wireless sensor networks and embedded 10,000 sensors on its streets and
municipal vehicles to monitor garbage collections, crime air quality and manage street
lighting for better energy efficiency. The Santander Smart City platform allows to integrate
all the information of the different municipal services and thousands of sensors deployed by
the city. The latter devices collect multiple data: from air quality, noise or temperature to
which parking lots are free or occupied on different streets or when it is necessary to water
a particular park or garden. For example, buses have sensors at the top that allow to know
the level of pollution in different areas of the city. They have also been installed on street
lamps and walls inside small white boxes in order to measure noise, temperature or
brightness. Multiple devices installed on the ground monitor how many cars are parked in
certain streets while different information panels indicate the free places in a given area to
park the car. Even paper containers and containers have volumetric measurement sensors
that indicate how full they are. This information is especially valuable when planning
collection routes, which may vary according to needs. As garbage trucks are also intelligent,
it is possible to monitor their travel and activity.
Source: (https://elpais.com/tecnologia/2019/07/17/actualidad/1563371290_289881.html)
a. What are the benefits of a smart city? Considering the dark side of smart city are you
sceptical to the benefits of a smart city. (5 Marks)
b. What are the potential cybersecurity challenges faced in a smart city with data being
collected in this way? (5 Marks)
**********
NMIMS Global Access
School for Continuing Education (NGA-SCE)
Course: Management Theory and Practice
Internal Assignment Applicable for December 2019 Examination
Assignment Marks: 30

1. M/s Paper Write Corporation deals with the manufacturing and selling of paper bags.
The company has started this business looking at the opportunity that exists, after plastic
was banned by the government in some states. The company has never used any modern
day management practices and the business continues to function in the traditional way.
Mr. Ajay has been appointed as a Manager to handle the overall functioning of the
business. He notices few things in the company:
a) One person reporting to three bosses
b) No specialized worker in the factory
c) Long hierarchy to get any approval
d) No following of rules and regulations
e) No designated place for inventory, tools, equipment’s, etc.
f) The team work among employees is missing.
Advise Mr. Ajay any five of Henry Fayol’s principles which can solve the problems
mentioned above. Explain the same with description. (10 Marks)
2. M/s Paper Write Corporation problems don’t seem to end. The company doesn’t use modern
day technology in the departments. Some observations made by Ajay are:
a) The company uses register for employee attendance.
b) The company has a manual process of writing entry in the books of accounts.
c) The leaves are applied on paper which has a lengthy process of approval.
d) All the orders are sent through hard copies to the suppliers.
e) The inventory management is not practiced effectively due to the lack of usage of
technology.
Advise any 5 modern day technologies which will make the system more productive and
effective. Explain the same with description. (10 Marks)
3.a. There is no motivation among employees and workers in the organization. How will you
motivate the employees and workers of M/s Paper Write Corporation? (5 Marks)
3.b. Explain the style of leadership that will be suitable for M/s Paper Write Corporation.
Elaborate on the choice of leadership selected. (5 Marks)
**********
NMIMS Global Access
School for Continuing Education (NGA-SCE)
Course: Marketing Management
Internal Assignment Applicable for December 2019 Examination
Assignment Marks: 30
“Balwaan Gyms and Akhadas” is a new enterprise started by two young fitness freak
entrepreneurs Mr. Balraj and Mr. Balbuddhi. Balwaan Gyms and Akhadas is a chain of gyms
with a vision to make everyone healthy. The company has already opened 15 Gyms and
Akhadas across five cities namely Mumbai, Bangalore, Pune, Delhi and Kolkata.
The gym has all modern facilities and amenities like 24*7 security, convenient parking, flexi
hours, group Classes on fitness, Personal Training, Private restrooms for males and females.
The most unique thing about Balwaan is that it also has all Indian style akhadas where
traditional body building is taught. Balwaan’s every store has a healthy café where they serve
traditional healthy food and drinks at extra cost.
The membership fees for the same is 24,000 per annum without a personal trainer.
The company has been relying only on word of mouth for yearly memberships. The company
has not undertaken any marketing promotion campaigns for the same. The company is falling
short of its expectation when it comes to membership and revenues.
Assume the company has hired you as a Marketing consultant and they want you to advise
them on the following issues:
1. List and discuss the major bases for segmentation of consumer markets. Explain the four
variables in detail for Balwaan. (10 Marks)
2. How will you promote the Brand Balwaan Gyms and Akhadas online? Explain five
platforms that you will use to promote the same. (10 Marks)
3.a. Explain various levels of product with reference to Balwaan Gyms and Akhadas.
(5 Marks)
3.b. Which celebrity will you select as a brand ambassador for the Balwaan Gyms and
Akhadas? Explain the choice of your celebrity with five reasons. (5 Marks)
**********
NMIMS Global Access
School for Continuing Education (NGA-SCE)
Course: Organisational Behaviour
Internal Assignment Applicable for December 2019 Examination
Assignment Marks: 30
1. Arjan is an employee who is never on time for work or meetings. He has been issued
several warning memos but in vain. The management is not able to take stringent action
against him as he is very good at his work and is one of the top performers. As his reporting
authority you still feel that he should respect time and be disciplined. From the different
elements of reinforcement which one should his manager choose to get the desired
behaviour? Conclude by giving why it (the one which you chose) is the best suited.
(10Marks)
2. Choose one Asian and one European country. Compare and contrast communication in
their cultures. (10 Marks)
3. Krabi Textile is going online from retail mode as the management feels that it is the need
of the hour to be present in the digital space. People are resisting this change and you are the
one chosen as the leader by the management to lead in this tough time.
a. What all people skills would be required by a leader to be effective in such times?
(5 Marks)
b. How would you differentiate between being a manager and leader? (5 Marks)
**********

NMIMS Global Access
School for Continuing Education (NGA-SCE)
Course: Business Law
Internal Assignment Applicable for December 2019 Examination
Assignment Marks: 30
1. Explain the mechanism of a Digital Signatures which is recognized under the
Information Technology Act, 2000 and state at least two (2) of its applications
(10 Marks)
2. Explain in details two (2) real-life instances of Anti-Competitive Agreements which
have been prohibited by the Competition Commission of India. (10 Marks)
3. Abhay and Seema have entered into a commercial agreement to license content.
However, Abhay did not deliver the content to the satisfaction of Seema. Hence,
there are disputes arisen between Abhay and Seema. Abhay and Seema do not want
to go through a protracted litigation process in Indian courts. Can you advise them
on:
a. What should be done to conduct an arbitration between Abhay and Seema to
resolve their disputes (5 Marks)
b. The difference between Arbitration, Conciliation and Mediation? What is the
advantages and disadvantages of each of these (5 Marks)
**********

NMIMS Global Access
School for Continuing Education (NGA-SCE)
Course: Business Statistics
Internal Assignment Applicable for December 2019 Examination
Assignment Marks: 30

fixed acidity volatile acidity citric acid residual sugar chlorides
1. For the data on 26 red wines given above, conduct the following analysis:
i. Provide five-number summary i.e. the minimum, 1
st quartile, median, 3rd quartile and
maximum value for fixed acidity. Arrange them in increasing order on a straight line, draw
a box plot and interpret what it means.

ii. Calculate the correlation coefficient between fixed acidity and volatile acidity and
between residual sugar and chlorides. Comment on the strength and direction of
association for the two variable pairs.
iii. What can be stated about the cause-effect relationship between fixed acidity and
volatile acidity, based on the correlation coefficient score?
(10 Marks)
2. For the data in the table below:
i. What do high kurtosis and skewness figures denote?
ii. Free Sulphur dioxide and total Sulphur dioxide have mean, median and modes that
differ substantially from each other. What can you infer from this?
iii. By looking at the descriptive stats of the variables, identify two that may be closest to
being normally distributed. Why?
Desc Stats fixed acidity volatile acidity citric acid residual sugar chlorides free sulfur dioxide total sulfur dioxide density pH sulphates alcohol
Mean 6.85 0.28 0.33 6.39 0.05 35.31 138.36 0.99 3.19 0.49 10.51
Med 6.80 0.26 0.32 5.20 0.04 34.00 134.00 0.99 3.18 0.47 10.40
Mod 6.80 0.28 0.30 1.20 0.04 29.00 111.00 0.99 3.14 0.50 9.40
SD 0.84 0.10 0.12 5.07 0.02 17.01 42.50 0.00 0.15 0.11 1.23
Kurt 2.17 5.09 6.17 3.47 37.56 11.47 0.57 9.79 0.53 1.59 -0.70
Skew 0.65 1.58 1.28 1.08 5.02 1.41 0.39 0.98 0.46 0.98 0.49
Range 10.40 1.02 1.66 65.20 0.34 287.00 431.00 0.05 1.10 0.86 6.20
(10Marks)
3. Lok Sabha in India is to discuss a key constitutional amendment, and there will be four
rounds of voting. In each round of voting, assume that the ruling party has a 60% chance
of winning, i.e. getting the resolution passed by majority vote. Further assuming that the
voting rounds are independent of each other, what is the probability that:
a. The ruling party will win 0 rounds, 1 round, 2 rounds, 3 rounds or all 4 rounds of
voting?
(5 Marks)
b.The ruling party will win at least 1 round? (5 Marks)
**********

NMIMS Global Access
School for Continuing Education (NGA-SCE)
Course: Essentials of HRM
Internal Assignment Applicable for December 2019 Examination
Assignment Marks: 30
1. Kanye Apparels Pvt. Limited is a home grown brand. It has come long way from being
a family business to a mid-sized organisation. Traditionally they always believed in
appraising employees through checklist method. Recently many employees have come
out being very vocal about their displeasure on the traditional way of appraisal and feel
it is an unjust way of assessing them. You have been hired as a consultant to propose a
new appraisal system. Also, conclude by justifying your selection for the choice of
appraisal method. (10 Marks)
2. Alaya infrastructure is a small sized organisation having 150 employees. The
organisation never had a formal induction training. You are their first ever HR Manager
and you strongly feel the need to have induction training. You are asked to present the
concept and need for induction training to senior management. Conclude by
emphasizing on the importance/advantages of induction training.
(10 Marks)
3. A web content creation organization name Natika which is into humor based content is
expanding and wants to hire a social media intern. Advertisement has to be placed for
the vacancy. Based on this
a. Write a job description for social media intern for the above organisation. (5 Marks)
b. Write job specification for the above profile. (5 Marks)
**********
NMIMS Global Access
School for Continuing Education (NGA-SCE)
Course: Strategic Management
Internal Assignment Applicable for December 2019 Examination
Assignment Marks: 30

1. You have been appointed as a Strategy Consultant to a Swiss shoe making brand namely
“Bally” wanting to enter India. Which one of Porter’s Generic Strategies would you choose
to be operational in India & explain the reasons in detail behind your choice of strategy?
Once the strategy has been chosen, explain the categories of customers you would target?
(10 Marks)
2. UNIQLO is a Japanese casual wear designer, manufacturer and retailer that wishes to
enter India’s Retail market. Conduct a PESTLE analysis for Uniqlo in India & suggest
whether Uniqlo should enter India or otherwise. (10 Marks)
3. You are the Chairman of Isuzu Motors in Japan. Your Indian subsidiary Isuzu India has
managed to gain only under 2% of the market share so far & Competitor brands such as
Maruti & Hyundai account for 50% & 17% of the market shares respectively.
a. What turnaround strategies can you suggest to arrest the decline of revenues &
profitability of your company? (5 Marks)
b. In your opinion, would it be considered appropriate to pursue a Combination Strategy?
State your response with appropriate justifications & reasons. (5 Marks)
**********
NMIMS Global Access
School for Continuing Education (NGA-SCE)
Course: Business Ethics, Governance & Risk
Internal Assignment Applicable for December 2019 Examination

Assignment Marks: 30
1. India's water crisis is often attributed to lack of government planning, increased corporate
privatization, industrial and human waste and government corruption. In
addition, water scarcity in India is expected to worsen as the overall population is expected
to increase to 1.6 billion by year 2050. Can you recommend two policy changes with details
of how this will address the water crisis issue for increasing population of India in an ethical
manner. (Your answer must have logical points that make sense. Do online research to find
solution to the water problem)
(10 Marks)
2. Protecting data privacy is urgent and complex. This protection is necessary because of
the all-pervasive, technology-driven and information-intensive environment, typical of
today’s corporations. Multiple risks involved in data management is propelling
information/data protection to the top of the corporate management agenda. What according
to you are the two ethical risks faced by the business in relation to data
protection and can you choose and explain any two Data Protection Principles applicable to
businesses in India?
(10 Marks)
3. In Chandrapur, renamed the coal city, Western Coalfield Ltd’s (WCL), a public sector
coal mining company’s, overburden dumps are located very close to the river beds. The
Mana and Lalpeth mines, especially, have dumped so much over-burden in the Irai river that
the river-bed has risen by several meters. Coal mining so close to rivers may also cause
damage to the mines themselves. During heavy rains river water enters the mines even now,
making coal extraction very difficult. The move to allow coal mining activities up to 250
meter from river banks has angered environment groups, especially in Vidarbha, an
area currently reeling under floods, and where major rivers like Wardha and Irai are already
heavily polluted because of coal mining. If the mines are moved closer, such incidents will
rise, posing danger to mine workers. WCL will also incur losses. Mining has also adversely
impacted river fauna. The forest land is turning into a desert and the wild life, specially tigers
are disappearing. Somehow we have failed to intelligently sustain and manage the resources
of nature, the primary source of all supply chain.

a. Do you think environmental sustainability is an ethical principle? Elaborate on any two
issues/principles involved in environmental ethics.
(5 Marks)
b. How can business embed environment protection/sustainability within overall business
strategy? Elaborate on any two critical ideas/processes/steps.
(5 Marks)
**********

NMIMS Global Access
School for Continuing Education (NGA-SCE)
Course: Financial Institutions and Markets
Internal Assignment Applicable for December 2019 Examination
Assignment Marks: 30
1. You are appointed as a Senior financial research analyst in a reputed firm. Your manager
asks you to advise him on the different ways to test market efficiency. Discuss the ways for
testing market efficiency which will help the firm’s investment to earn excess returns.
(10 Marks)

2. Mr. Prakash wants to start up his venture. He has no idea about the investment stages which
forms the building block for the start-up business and therefore, seeks help from his financial
advisor Mr. Sharma. Discuss the three stages of venture capital financing to Mr. Prakash
(10 Marks)
3. Ms. Sunita, after completing her graduation, has recently joined a bank. With a steady
income now and good growth prospects for her career, she intends to save regularly and
increase the amount of savings gradually over the years. Her colleagues in the bank have
advised her investing in Mutual Funds (MFs), as a suitable option for her. However, Ms. Sunita
is not at all familiar with MFs and has some queries such as:
a. What are mutual funds and why should she be investing through mutual fund? (5 Marks)
b. What are the various types of mutual funds?
Prepare a detailed answer for her queries.
(5 Marks)


NMIMS Global Access
School for Continuing Education (NGA-SCE)
Course: Insurance & Risk Management
Internal Assignment Applicable for December 2019 Examination
Assignment Marks: 30
1.Mr. Rohan is appointed as the risk manager in a reputed insurance firm. Discuss the strategy
on how he could mitigate risk using different technique of risk management. (10 Marks)
2. Sheetal and her husband are working in a reputed multinational company. They both are well
settled and are maintaining a decent lifestyle. Since they are working for the private company,
their parents asked them to buy a retirement plan which can compensate their lifestyle even
after their retirement. Assume yourself to be sheetal’s insurance advisor. Discuss the three
broad steps which you will consider for managing their retirement Plan. (10 Marks)
3. Which method of premium calculation would be used in each of the below cases:
a. Same rate of premium is charged from individuals under the same situation (5 Marks)
b. Method frequently used by commercial fire insurance companies (5 Marks)
**********
NMIMS Global Access
School for Continuing Education (NGA-SCE)
Course: International Banking and Foreign Exchange Management
Internal Assignment Applicable for December 2019 Examination
Assignment Marks: 30
1. A dealer has the following position in GBP against INR:
Spot – GBP 20 million Long
Three months forward – GBP 20 million short
The spot was executed at an average rate of 100.50 and the forward rate was
100.75.
The dealer now wants to close his position. If the prevailing swap quotes are as
follows, what is the profit/loss in squaring off his position?
GBP/INR Spot: 100.6510/100.6530
3-month Swap: 9135/9170 (10 Marks)
2. Mr. Mehta was a businessman and was planning to expand his operations to other
countries as well but he was not very sure about the forex market and also how his
business would get affected by various factors. He decided to meet a bank manager
who can help him understand these factors. If you are the manager help him
understand the various factors that would cause the fluctuation in the exchange rate
which may affect his business as well. (10 Marks)
3. Neha has completed her MBA and has joined the Treasury department of a bank.
During training her manager explained her that any open currency position may
give rise to exchange rate risks. If the dealer leaves this position unhedged, he
carries the risk that the exchange rate might turn adverse the next day. He wanted
her to prepare report on:
a) Position limits on a currency that a dealer can carry during regular trading hours.
(5 Marks)
b) Position limits on a currency that a dealer can carry over to the next day up to this
limit. (5 Marks)
**********
NMIMS Global Access
School for Continuing Education (NGA-SCE)
Course: Treasury Management in Banking
Internal Assignment Applicable for December 2019 Examination
Assignment Marks: 30
1. Explain the process (in terms of Risk/ Returns/ Ratings etc.) to select bonds in both Rising
and declining interest rates scenarios. Select one bond each from the below bonds with long
term and short term maturities (eg 10 years as long term bond and 1-3 years as short term
bond) and evaluate their risk/ return parameters such as Maturity, YTM etc.

Suggest which of these will outperform/ underperform in current interest rate scenarios.
(Assume interest are being paid annually)
Symbol
Coupon
Rate
YTM
Face
Value
Last Traded
Price
Maturity
Date
NHAI
8.3
5.6384
1,000
1,235.00
25-Jan-27
NHAI
8.2
5.6276
1,000
1,133.00
25-Jan-22
SBIN
9.95
7.886
10,000
11,445.00
16-Mar-26
IRFC
8
5.1262
1,000
1,137.00
23-Feb-22
IIHFL
12
14.6823
1,000
992.5
2-Apr-20
IIFCL
8.66
6.034
1,000
1,152.11
22-Jan-24
HUDCO
7.64
5.9595
1,000
1,180.00
8-Feb-31
IIFCL
8.91
5.8239
1,000
1,350.00
22-Jan-34
M&MFIN
9
9.0053
1,000
1,022.01
6-Jun-26
(10 Marks)
2. Explain ALM process in banks. Discuss the impacts of Positive and Negative Gaps on the
profitability of a bank in different interest rates scenarios. You are required to analyze the
above impact with the help of following balance sheet excerpts of a bank:
TABLE GIVEN BELOW

Balance Sheet for Hypothetical Bank

Particulars
Assets
Yield
Liabilities
Cost
Rate sensitive
500
8.00%
600
4.00%
Fixed rate
350
11.00%
220
6.00%
Non-earning
150
100
Equity
80
1000
1000
Scenarios for Impact analysis:
1.Interest rates increased by 1%
2.Interest rates decreased by 1%
(10 Marks)
3. Case Study:
While current accounts and savings accounts have different objectives, the banks stand to
benefit from the low cost of servicing these deposits. In the current scenarios it has been
observed that private banks such as HDFC bank, Kotak bank etc. are able to raise higher
saving account / current account deposits compared to their PSU counterparts. Also the other
income is now becoming more significant as a % share of total income of private sector
banks compared to PSUs.
In relation to above scenarios, analyze the following (With examples):
a. Why PSU banks are not able to raise money from low cost saving and current account
deposits ratios? What impact would it have on their profitability? (5 Marks)
b. What are the reasons behind increase in share of other income in total income for private
sector banks as compared to PSU banks. (5 Marks)
**********


No comments:

Post a Comment