Intermediate Accounting 5-1 Prepared by Coby Harmon University of California, Santa Barbara 5 Balance Sheet and Statement of Cash Flows Intermediate Accounting 14th Edition Kieso, Weygandt, and Warfield 5-2 Learning Objectives 5-3 1. Explain the uses and limitations of a balance sheet. 2. Identify the major classifications of the balance sheet. 3. Prepare a classified balance sheet using the report and account formats. 4. Indicate the purpose of the statement of cash flows. 5. Identify the content of the statement of cash flows. 6. Prepare a statement of cash flows. 7. Understand the usefulness of the statement of cash flows. 8. Determine which balance sheet information requires supplemental disclosure. 9. Describe the major disclosure techniques for the balance sheet. Balance Sheet and Statement of Cash Flows Balance Sheet Statement of Cash Flows Usefulness Purpose Limitations Content and format Classification Preparation Usefulness 5-4 Additional Information Supplemental disclosures Techniques of disclosure Balance Sheet Balance Sheet, also referred to as the statement of financial position: 1. Reports assets, liabilities, and equity at a specific date. 2. Provides information about resources, obligations to creditors, and equity in net resources. 3. Helps in predicting amounts, timing, and uncertainty of future cash flows. 5-5 LO 1 Explain the uses and limitations of a balance sheet. Balance Sheet Usefulness of the Balance Sheet 5-6 Computing rates of return. Evaluating the capital structure. Assess risk and future cash flows. Analyze the company’s: ► Liquidity, ► Solvency, and ► Financial flexibility. LO 1 Explain the uses and limitations of a balance sheet. Balance Sheet Limitations of the Balance Sheet 5-7 Most assets and liabilities are reported at historical cost. Use of judgments and estimates. Many items of financial value are omitted. LO 1 Explain the uses and limitations of a balance sheet. Balance Sheet Classification 5-8 LO 2 Identify the major classifications of the balance sheet. Balance Sheet Classification Illustration 5-1 In practice you usually see little departure from these major subdivisions. 5-9 LO 2 Identify the major classifications of the balance sheet. Classification in the Balance Sheet Current Assets Cash and other assets a company expects to convert into cash, sell, or consume either in one year or in the operating cycle, whichever is longer. Illustration 5-2 5-10 LO 2 Identify the major classifications of the balance sheet. Classification in the Balance Sheet Review The correct order to present current assets is a. Cash, accounts receivable, prepaid items, inventories. b. Cash, accounts receivable, inventories, prepaid items. c. Cash, inventories, accounts receivable, prepaid items. d. Cash, inventories, prepaid items, accounts receivable. 5-11 LO 2 Identify the major classifications of the balance sheet. Balance Sheet – “Current Assets” Cash Generally any monies available “on demand.” Cash equivalents - short-term highly liquid investments that mature within three months or less. Restrictions or commitments must be disclosed. Illustration 5-3 5-12 LO 2 Balance Sheet – “Current Assets” Cash Illustration 5-4 Balance Sheet—Restricted Cash 5-13 LO 2 Identify the major classifications of the balance sheet. Balance Sheet – “Current Assets” Short-Term Investments 5-14 Portfolios Type Valuation Classification Held-toMaturity Debt Amortized Cost Current or Noncurrent Trading Debt or Equity Fair Value Current Availablefor-Sale Debt or Equity Fair Value Current or Noncurrent LO 2 Identify the major classifications of the balance sheet. Balance Sheet – “Current Assets” Short-Term Investments Illustration 5-5 Balance Sheet Presentation of Investments in Securities 5-15 LO 2 Identify the major classifications of the balance sheet. Balance Sheet – “Current Assets” Receivables Major categories of receivables should be shown in the balance sheet or the related notes. A company should clearly identify 5-16 Anticipated loss due to uncollectibles. Amount and nature of any nontrade receivables. Receivables used as collateral. LO 2 Identify the major classifications of the balance sheet. Balance Sheet – “Current Assets” Receivables Illustration 5-6 Balance Sheet Presentation of Receivables 5-17 LO 2 Identify the major classifications of the balance sheet. Balance Sheet – “Current Assets” Inventories Disclose: ► Basis of valuation (e.g., lower-of-cost-or-market). ► Cost flow assumption (e.g., FIFO or average cost). Illustration 5-6 5-18 LO 2 Balance Sheet – “Current Assets” Prepaid Expenses Payment of cash, that is recorded as an asset because service or benefit will be received in the future. Cash Payment BEFORE Expense Recorded Prepayments often occur in regard to: 5-19 insurance rent supplies taxes advertising LO 2 Identify the major classifications of the balance sheet. Balance Sheet – “Current Assets” Prepaid Expenses Illustration 5-9 5-20 LO 2 Identify the major classifications of the balance sheet. Balance Sheet – “Current Assets” Current Assets - “Summary” Cash and other assets a company expects to convert into cash, sell, or consume either in one year or in the operating cycle, whichever is longer. 5-21 Balance Sheet (in thousands) Current assets Cash $ 285,000 ST Investments 140,000 Accounts receivable 777,000 Inventory 402,000 Prepaid expenses 170,000 Total current assets 1,774,000 Investments: Invesment in ABC bonds 321,657 Investment in UC Inc. 253,980 LO 2 Identify the major classifications of the balance sheet. Classification in the Balance Sheet Non-Current Assets Long-term Investments 1. Securities (bonds, common stock, or long-term notes). 2. Tangible fixed assets not currently used in operations (land held for speculation). 3. Special funds (sinking fund, pension fund, or plant expansion fund. 4. Non-consolidated subsidiaries or affilated companies. 5-22 LO 2 Identify the major classifications of the balance sheet. Balance Sheet – “Noncurrent Assets” Long-Term Investments Portfolios 5-23 Type Valuation Classification Held-toMaturity Debt Amortized Cost Current or Noncurrent Trading Debt or Equity Fair Value Current Availablefor-Sale Debt or Equity Fair Value Current or Noncurrent LO 2 Identify the major classifications of the balance sheet. Balance Sheet – “Noncurrent Assets” Balance Sheet (in thousands) Long-Term Investments Current assets Cash Investments: Securities Invesment in ABC bonds 321,657 Investment in UC Inc. 253,980 Notes receivable 150,000 bonds, stock, and Land held for speculation 550,000 long-term notes Sinking fund 225,000 Pension fund 653,798 For marketable securities, management’s intent determines current or noncurrent classification. 5-24 $ 285,000 LO 2 Cash surrender value Investment in Uncon. Sub. Total investments 84,321 457,836 2,696,592 Property, Plant, and Equip. Building Land 1,375,778 975,000 Balance Sheet – “Noncurrent Assets” Balance Sheet (in thousands) Long-Term Investments Current assets Cash $ 285,000 Investments: Fixed Assets Land held for speculation Invesment in ABC bonds 321,657 Investment in UC Inc. 253,980 Notes receivable 150,000 Land held for speculation 550,000 Sinking fund 225,000 Pension fund 653,798 Cash surrender value Investment in Uncon. Sub. Total investments 84,321 457,836 2,696,592 Property, Plant, and Equip. Building 5-25 LO 2 Land 1,375,778 975,000 Balance Sheet – “Noncurrent Assets” Balance Sheet (in thousands) Long-Term Investments Current assets Cash $ 285,000 Investments: Special Funds Invesment in ABC bonds 321,657 Investment in UC Inc. 253,980 Notes receivable 150,000 Land held for speculation 550,000 Sinking fund Pensions fund Sinking fund 225,000 Cash surrender value of life insurance Pension fund 653,798 Cash surrender value Investment in Uncon. Sub. Total investments 84,321 457,836 2,696,592 Property, Plant, and Equip. Building 5-26 LO 2 Land 1,375,778 975,000 Balance Sheet – “Noncurrent Assets” Balance Sheet (in thousands) Long-Term Investments Current assets Cash $ 285,000 Investments: Nonconsolidated Subsidiaries or Affiliated Companies Invesment in ABC bonds 321,657 Investment in UC Inc. 253,980 Notes receivable 150,000 Land held for speculation 550,000 Sinking fund 225,000 Pension fund 653,798 Cash surrender value Investment in Uncon. Sub. Total investments 457,836 2,696,592 Property, Plant, and Equip. Building 5-27 84,321 LO 2 Land 1,375,778 975,000 Balance Sheet – “Noncurrent Assets” Long-Term Investments Illustration 5-10 Balance Sheet Presentation of Long-Term Investments 5-28 LO 2 Identify the major classifications of the balance sheet. Balance Sheet – “Noncurrent Assets” Property, Plant, and Equipment Tangible long-lived assets used in the regular operations of the business. Physical property such as land, buildings, machinery, furniture, tools, and wasting resources (minerals). With the exception of land, a company either depreciates (e.g., buildings) or depletes (e.g., oil reserves) these assets. 5-29 LO 2 Identify the major classifications of the balance sheet. Balance Sheet – “Noncurrent Assets” Balance Sheet (in thousands) Property, Plant, and Equipment Tangible assets used in the regular operations of the business. 5-30 Current assets Cash Total investments Property, Plant, and Equip. Building Land Machinery and equipment Capital leases Leasehold improvements Accumulated depreciation Total PP&E Intangibles Goodwill Patents Trademarks $ 285,000 2,696,592 1,375,778 975,000 234,958 384,650 175,000 (975,000) 2,170,386 3,000,000 177,000 40,000 LO 2 Identify the major classifications of the balance sheet. Balance Sheet – “Noncurrent Assets” Illustration 5-11 Balance Sheet Presentation of Property, Plant, and Equipment 5-31 LO 2 Identify the major classifications of the balance sheet. Balance Sheet – “Noncurrent Assets” Balance Sheet (in thousands) Intangibles Lack physical substance and are not financial instruments. 5-32 Limited life intangibles amortized. Indefinite-life intangibles tested for impairment. Current assets Cash Total PP&E Intangibles Goodwill Patents Trademark Franchises Copyright Total intangibles Other assets Prepaid pension costs Deferred income tax Total other Total Assets $ 285,000 2,170,386 2,000,000 177,000 40,000 125,000 55,000 2,397,000 133,000 40,000 173,000 $ 9,210,978 LO 2 Balance Sheet – “Noncurrent Assets” Intangibles (BE5-6): Patrick Corporation adjusted trial balance contained the following asset accounts at December 31, 2012: Prepaid Rent $12,000; Goodwill $50,000; Franchise Fees Receivable $2,000; Franchises $47,000; Patents $33,000; Trademarks $10,000. Prepare the intangible assets section of the balance sheet. Intangibles Goodwill Franchises 47,000 Patents 33,000 Trademarks 10,000 Total 5-33 $ 50,000 $140,000 LO 2 Identify the major classifications of the balance sheet. Balance Sheet – “Noncurrent Assets” Intangible Assets Illustration 5-12 Balance Sheet Presentation of Intangible Assets 5-34 LO 2 Identify the major classifications of the balance sheet. Balance Sheet – “Noncurrent Assets” Other Assets Items vary in practice. Can include: 5-35 Long-term prepaid expenses Non-current receivables Assets in special funds Property held for sale Restricted cash or securities LO 2 Identify the major classifications of the balance sheet. Balance Sheet – “Noncurrent Assets” Balance Sheet (in thousands) Other Assets Current assets Cash This section should include only unusual items sufficiently different from assets in the other categories. 5-36 Total PP&E Intangibles Goodwill Patents Trademark Franchises Copyright Total intangibles Other assets Prepaid pension costs Deferred income tax Total other Total Assets $ 285,000 2,170,386 2,000,000 177,000 40,000 125,000 55,000 2,397,000 133,000 40,000 173,000 $ 9,210,978 LO 2 Classification in the Balance Sheet Current Liabilities “Obligations that a company reasonably expects to liquidate either through the use of current assets or the creation of other current liabilities.” 5-37 Balance Sheet (in thousands) Current liabilities Notes payable Accounts payable Accrued compensation Unearned revenue Income tax payable Current maturities LT debt Total current liabilities Long-term liabilities Long-term debt Obligations capital lease Deferred income taxes Total long-term liabilities Stockholders' equity $ 233,450 131,800 43,000 17,000 23,400 121,000 569,650 979,500 345,800 77,909 1,403,209 LO 2 Identify the major classifications of the balance sheet. Classification in the Balance Sheet Current Liabilities Illustration 5-13 Balance Sheet Presentation of Current Liabilities 5-38 LO 2 Identify the major classifications of the balance sheet. Classification in the Balance Sheet Long-Term Liabilities “Obligations that a company does not reasonably expect to liquidate within the normal operating cycle.” All covenants and restrictions must be disclosed. 5-39 Balance Sheet (in thousands) Current liabilities Notes payable Accounts payable Accrued compensation Unearned revenue Income tax payable Current maturities LT debt Total current liabilities Long-term liabilities Long-term debt Obligations capital lease Deferred income taxes Total long-term liabilities Stockholders' equity $ 233,450 131,800 43,000 17,000 23,400 121,000 569,650 979,500 345,800 77,909 1,403,209 LO 2 Identify the major classifications of the balance sheet. Balance Sheet – “Long-Term Liabilities” Long-Term Liabilities (BE5-9): Included in Adams Company’s December 31, 2012, trial balance are the following accounts: Accounts Payable $220,000; Pension Asset/Liability $375,000; Discount on Bonds Payable $29,000; Unearned Revenue $41,000; Bonds Payable $400,000; Salaries and Wages Payable $27,000; Interest Payable $12,000; Income Taxes Payable $29,000. Prepare the long-term liabilities section of the balance sheet. Long-term liabilities Pension Asset/liability Bonds payable Discount on bonds payable Total 5-40 $375,000 400,000 (29,000) 746,000 LO 2 Identify the major classifications of the balance sheet. Balance Sheet – “Long-Term Liabilities” Non-Current Liabilities Illustration 5-14 Balance Sheet Presentation of Non-Current Liabilities 5-41 LO 2 Identify the major classifications of the balance sheet. Balance Sheet – “Owner’s Equity” Owners’ Equity 5-42 LO 2 Identify the major classifications of the balance sheet. Balance Sheet – “Owner’s Equity” Owners’ Equity Illustration 5-15 Balance Sheet Presentation of Stockholders’ Equity 5-43 LO 2 Identify the major classifications of the balance sheet. Classification in the Balance Sheet Account 5-44 Classification (a) Investment in preferred stock (a) Current asset/Investment (b) Treasury stock (b) Stockholders’ Equity (c) Common stock (c) Stockholders’ Equity (d) Cash dividends payable (d) Current liability (e) Accumulated depreciation (e) Contra-asset (f) Interest payable (f) Current liability (g) Deficit (g) Stockholders’ Equity (h) Trading securities (h) Current asset (i) Unearned revenue (i) Current liability LO 2 Identify the major classifications of the balance sheet. Balance Sheet Format Classified Balance Sheet Account form Report form Accounting Trends and Techniques—2009 (New York: AICPA) indicates that all of the 500 companies surveyed use either the “report form” (438) or the “account form” (62), sometimes collectively referred to as the “customary form.” 5-45 LO 3 Prepare a classified balance sheet using the report and account formats. Balance Sheet Format Account Form 5-46 Illustration 5-16 LO 3 Prepare a classified balance sheet using the report and account formats. Balance Sheet Format Report Form Illustration 5-16 5-47 LO 3 Statement of Cash Flows One of the three basic objectives of financial reporting is “assessing the amounts, timing, and uncertainty of cash flows.” 5-48 LO 4 Indicate the purpose of the statement of cash flows. Statement of Cash Flows Purpose of the Statement of Cash Flows To provide relevant information about the cash receipts and cash payments of an enterprise during a period. The statement provides answers to the following questions: 5-49 1. Where did the cash come from? 2. What was the cash used for? 3. What was the change in the cash balance? LO 4 Indicate the purpose of the statement of cash flows. Statement of Cash Flows Content and Format Three different activities: Operating, Investing, Financing Illustration 5-17 Basic Format of Cash Flow Statement 5-50 LO 5 Identify the content of the statement of cash flows. Statement of Cash Flows Content and Format Operating Investing Financing Cash inflows and Cash inflows and Cash inflows and outflows that outflows from outflows from enter into the non-current non-current determination of assets. liabilities and net income. equity. The statement’s value is that it helps users evaluate liquidity, solvency, and financial flexibility. 5-51 LO 5 Identify the content of the statement of cash flows. Statement of Cash Flows Illustration 5-18 5-52 LO 5 Identify the content of the statement of cash flows. Preparation of the Statement of Cash Flows Sources of Information Information obtained from several sources: (1) comparative balance sheets, (2) the current income statement, and (3) selected transaction data. 5-53 LO 6 Prepare a basic statement of cash flows. Statement of Cash Flows Statement of Cash Flows: On January 1, 2012, in its first year of operations, Telemarketing Inc. issued 50,000 shares of $1 par value common stock for $50,000 cash. The company rented its office space, furniture, and telecommunications equipment and performed marketing services throughout the first year. In June 2012 the company purchased land for $15,000. Illustration 5-19 shows the company’s comparative balance sheets at the beginning and end of 2012. 5-54 LO 6 Prepare a basic statement of cash flows. Statement of Cash Flows Illustration 5-19 Illustration 5-20 5-55 LO 6 Statement of Cash Flows Preparing the Statement of Cash Flows Determine: 1. Cash provided by (or used in) operating activities. 2. Cash provided by or used in investing and financing activities. 3. Determine the change (increase or decrease) in cash during the period. 4. Reconcile the change in cash with the beginning and the ending cash balances. 5-56 LO 6 Prepare a basic statement of cash flows. Statement of Cash Flows Illustration 5-19 Illustration 5-20 Cash provided by operating activities 5-57 Illustration 5-21 LO 6 Prepare a basic statement of cash flows. Illustration 5-19 Illustration 5-20 Statement of Cash Flows Next, the company determines its investing and financing activities. Illustration 5-21 5-58 Statement of Cash Flows Statement of Cash Flows (BE 5-12): Keyser Beverage Company reported the following items in the most recent year. Activity 5,000 Operating Financing 10,000 7,000 Operating Operating Purchase of equipment Depreciation expense 8,000 4,000 Investing Operating Issue of notes payable 20,000 Financing Net income Dividends paid Increase in accounts receivable Increase in accounts payable $40,000 Required: Compute net cash provided by operating activities. 5-59 LO 6 Prepare a basic statement of cash flows. Statement of Cash Flows Statement of Cash Flows (BE 5-12) Statement of Cash Flow (in thousands) Operating activities Net income Increase in accounts receivable Increase in accounts payable Depreciation expense Cash flow from operations Investing activities Purchase of equipment Financing activities Proceeds from notes payable Dividends paid Cash flow from financing Increase in cash 5-60 $ 40,000 (10,000) 5,000 40,000 75,000 Noncash credit to revenues. Noncash charge to expenses. (8,000) 20,000 (5,000) 15,000 $ 82,000 LO 6 Prepare a basic statement of cash flows. Statement of Cash Flows Review In preparing a statement of cash flows, which of the following transactions would be considered an investing activity? 5-61 a. Sale of equipment at book value b. Sale of merchandise on credit c. Declaration of a cash dividend d. Issuance of bonds payable at a discount receivable. LO 6 Prepare a basic statement of cash flows. Statement of Cash Flows Significant Noncash Activities Significant financing and investing activities that do not affect cash are reported in either a separate schedule at the bottom of the statement of cash flows or in the notes. Examples include: 5-62 Issuance of common stock to purchase assets. Conversion of bonds into common stock. Issuance of debt to purchase assets. Exchanges on long-lived assets. LO 6 Prepare a basic statement of cash flows. Statement of Cash Flows Illustration 5-23 Comprehensive Statement of Cash Flows 5-63 Usefulness of the Statement of Cash Flows Without cash, a company will not survive. Cash flow from Operations: High amount - company able to generate sufficient cash to pay its bills. Low amount - company may have to borrow or issue equity securities to pay bills. 5-64 LO 7 Understand the usefulness of the statement of cash flows. Usefulness of the Statement of Cash Flows Financial Liquidity Current Cash Debt Coverage Ratio Net Cash Provided by Operating Activities = Average Current Liabilities Ratio indicates whether the company can pay off its current liabilities from its operations. A ratio near 1:1 is good. 5-65 LO 7 Understand the usefulness of the statement of cash flows. Usefulness of the Statement of Cash Flows Financial Liquidity Cash Debt Coverage Ratio Net Cash Provided by Operating Activities = Average Total Liabilities This ratio indicates a company’s ability to repay its liabilities from net cash provided by operating activities, without having to liquidate the assets employed in its operations. 5-66 LO 7 Understand the usefulness of the statement of cash flows. Usefulness of the Statement of Cash Flows Free Cash Flow Illustration 5-28 The amount of discretionary cash flow a company has for purchasing additional investments, retiring its debt, purchasing treasury stock, or simply adding to its liquidity. 5-67 LO 7 Understand the usefulness of the statement of cash flows. Usefulness of the Statement of Cash Flows Review The current cash debt coverage ratio is often used to assess a. financial flexibility. b. liquidity. c. profitability. d. solvency. 5-68 LO 7 Understand the usefulness of the statement of cash flows. Supplemental Disclosures Four types of information that are supplemental to account titles and amounts presented in the balance sheet: 5-69 LO 8 Determine which balance sheet information requires supplemental disclosure. Techniques of Disclosure 5-70 Parenthetical Explanations Notes Cross-Reference and Contra Items Supporting Schedules Terminology LO 9 Describe the major disclosure techniques for the balance sheet. APPENDIX 5A Ratio Analysis—A Reference Using Ratios to Analyze Performance Analysts and other interested parties can gather qualitative information from financial statements by examining relationships between items on the statements and identifying trends in these relationships. 5-71 LO 10 Identify the major types of financial ratios and what they measure. APPENDIX 5A Ratio Analysis—A Reference Using Ratios to Analyze Performance Illustration 5A-1 A Summary of Financial Ratios 5-72 LO 10 Identify the major types of financial ratios and what they measure. APPENDIX 5A Ratio Analysis—A Reference Using Ratios to Analyze Performance Illustration 5A-1 A Summary of Financial Ratios 5-73 LO 10 Identify the major types of financial ratios and what they measure. APPENDIX 5A Ratio Analysis—A Reference Using Ratios to Analyze Performance Illustration 5A-1 A Summary of Financial Ratios 5-74 LO 10 Identify the major types of financial ratios and what they measure. APPENDIX 5-75 5B Specimen Financial Statements: The Procter & Gamble Company APPENDIX 5-76 5B Specimen Financial Statements: The Procter & Gamble Company APPENDIX 5-77 5B Specimen Financial Statements: The Procter & Gamble Company APPENDIX 5-78 5B Specimen Financial Statements: The Procter & Gamble Company APPENDIX 5-79 5B Specimen Financial Statements: The Procter & Gamble Company APPENDIX 5-80 5B Specimen Financial Statements: The Procter & Gamble Company APPENDIX 5-81 5B Specimen Financial Statements: The Procter & Gamble Company RELEVANT FACTS 5-82 IFRS recommends but does not require the use of the title “statement of financial position” rather than balance sheet. IFRS requires a classified statement of financial position except in very limited situations. IFRS follows the same guidelines as this textbook for distinguishing between current and noncurrent assets and liabilities. However under GAAP, public companies must follow SEC regulations, which require specific line items. In addition, specific GAAP standards mandate certain forms of reporting this information. Under IFRS, current assets are usually listed in the reverse order of liquidity. For example, under GAAP cash is listed first, but under IFRS it is listed last. RELEVANT FACTS 5-83 IFRS has many differences in terminology that you will notice in this textbook. Both IFRS and GAAP require disclosures about (1) accounting policies followed, (2) judgments that management has made in the process of applying the entity’s accounting policies, and (3) the key assumptions and estimation uncertainty that could result in a material adjustment to the carrying amounts of assets and liabilities within the next financial year. Comparative prior period information must be presented and financial statements must be prepared annually. Use of the term “reserve” is discouraged in GAAP, but there is no such prohibition in IFRS. IFRS SELF-TEST QUESTION Current assets under IFRS are listed generally: a. by importance. b. in the reverse order of their expected conversion to cash. c. by longevity. d. alphabetically. 5-84 IFRS SELF-TEST QUESTION Companies that use IFRS: a. may report all their assets on the statement of financial position at fair value. b. are not allowed to net assets (assets 2 liabilities) on their statement of financial positions. c. may report noncurrent assets before current assets on the statement of financial position. d. do not have any guidelines as to what should be reported on the statement of financial position. 5-85 IFRS SELF-TEST QUESTION A company has purchased a tract of land and expects to build a production plant on the land in approximately 5 years. During the 5 years before construction, the land will be idle. Under IFRS, the land should be reported as: a. land expense. b. property, plant, and equipment. c. an intangible asset. d. a long-term investment. 5-86 Copyright Copyright © 2012 John Wiley & Sons, Inc. All rights reserved. Reproduction or translation of this work beyond that permitted in Section 117 of the 1976 United States Copyright Act without the express written permission of the copyright owner is unlawful. Request for further information should be addressed to the Permissions Department, John Wiley & Sons, Inc. The purchaser may make back-up copies for his/her own use only and not for distribution or resale. The Publisher assumes no responsibility for errors, omissions, or damages, caused by the use of these programs or from the use of the information contained herein. 5-87