| 12 18 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | 8% | | 20% | | | | | | | | | | | | | | 1% | | | | | | | | | | | | | | | | | | | 8% 4% | | | | | | | | | | | | | | | | | | | |