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		<title>TestMagic Forums - PhD in Business</title>
		<link>http://www.urch.com/forums</link>
		<description>No, not an MBA, but a PhD in business. Your forum is here.</description>
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			<title>TestMagic Forums - PhD in Business</title>
			<link>http://www.urch.com/forums</link>
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		<item>
			<title>How Many Applications Will You Submit For 2010?</title>
			<link>http://www.urch.com/forums/phd-business/129034-how-many-applications-will-you-submit-2010-a.html</link>
			<pubDate>Fri, 20 Nov 2009 07:52:26 GMT</pubDate>
			<description><![CDATA[Even though the economy is "improving" 2010 will be a competitive year for PhD applications. I am curious as to how many schools people will be applying to.

My current target list is 12 - 14 programs, and is a combination of roughly 8 Top 30 programs, and 4-6 "safety schools" in the...]]></description>
			<content:encoded><![CDATA[<div>Even though the economy is &quot;improving&quot; 2010 will be a competitive year for PhD applications. I am curious as to how many schools people will be applying to.<br />
<br />
My current target list is 12 - 14 programs, and is a combination of roughly 8 Top 30 programs, and 4-6 &quot;safety schools&quot; in the management/O.B. space.<br />
<br />
What range are others looking at?<br />
<br />
Haread</div>

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			<category domain="http://www.urch.com/forums/phd-business/">PhD in Business</category>
			<dc:creator>haread</dc:creator>
			<guid isPermaLink="true">http://www.urch.com/forums/phd-business/129034-how-many-applications-will-you-submit-2010-a.html</guid>
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			<title>help me choose! !!!</title>
			<link>http://www.urch.com/forums/phd-business/129026-help-me-choose.html</link>
			<pubDate>Fri, 20 Nov 2009 02:14:16 GMT</pubDate>
			<description>which one is better? 
GRE Q 760 V630 W 3.5 
or 
Q 770 V 580 W 5.0 
 
for PhD in marketing (CB track..)</description>
			<content:encoded><![CDATA[<div>which one is better? <br />
GRE Q 760 V630 W 3.5 <br />
or <br />
Q 770 V 580 W 5.0 <br />
 <br />
for PhD in marketing (CB track..)</div>

]]></content:encoded>
			<category domain="http://www.urch.com/forums/phd-business/">PhD in Business</category>
			<dc:creator>gsphD</dc:creator>
			<guid isPermaLink="true">http://www.urch.com/forums/phd-business/129026-help-me-choose.html</guid>
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			<title>Phd in Finance with emphasis on Economics courses</title>
			<link>http://www.urch.com/forums/phd-business/129008-phd-finance-emphasis-economics-courses.html</link>
			<pubDate>Thu, 19 Nov 2009 19:05:28 GMT</pubDate>
			<description><![CDATA[Hi, I'm looking for a Finance Phd program with strong emphasis on economic courses (microeconomics, macroeconomics, financial economics, etc.). 

I would appreciate if someone could mention some good schools for this question.

Economic Phd programs with strong emphasis on finance courses...]]></description>
			<content:encoded><![CDATA[<div>Hi, I'm looking for a Finance Phd program with strong emphasis on economic courses (microeconomics, macroeconomics, financial economics, etc.). <br />
<br />
I would appreciate if someone could mention some good schools for this question.<br />
<br />
Economic Phd programs with strong emphasis on finance courses (stochastic calculus, continuous time finance, portfolio selection, etc.) would also be very helpfull.<br />
<br />
Thanks !</div>

]]></content:encoded>
			<category domain="http://www.urch.com/forums/phd-business/">PhD in Business</category>
			<dc:creator>elmambo</dc:creator>
			<guid isPermaLink="true">http://www.urch.com/forums/phd-business/129008-phd-finance-emphasis-economics-courses.html</guid>
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			<title>Advice for Prospective Finance Applicant</title>
			<link>http://www.urch.com/forums/phd-business/129007-advice-prospective-finance-applicant.html</link>
			<pubDate>Thu, 19 Nov 2009 18:24:38 GMT</pubDate>
			<description><![CDATA[I have a few questions about applying to a finance phd program. First off, I will give some background so that you can better evaluate me.
I did my undergrad at a small state school with a major in math and minors in statistics and actuarial science (GPA 3.8). I got A's in calc I-III, linear...]]></description>
			<content:encoded><![CDATA[<div>I have a few questions about applying to a finance phd program. First off, I will give some background so that you can better evaluate me.<br />
I did my undergrad at a small state school with a major in math and minors in statistics and actuarial science (GPA 3.8). I got A's in calc I-III, linear algebra, and regression. Got B's in ODE's, advanced calc (intro. real analysis) and Math Stat I-II.<br />
 <br />
I am currently working on my master's in actuarial science at a large public university. I am taking another (slightly more advanced) 2 course Math Stat sequence, as well as some actuarial classes. By the time I will be applying to phd programs, I will have taken or be enrolled in PDE's, 1 semester of grad level real analysis, and several actuarial science classes based on a stochastic approach to actuarial science and one for fiance (brownian motion, Ito's Lemma, etc).<br />
 <br />
I did a reasearch internship after my junior year during which I was working on improving a trading strategy for assets that were based on a stochastic model. However the material was over my head at the time and so I did apply myself fully. As a result, I would not get the best recommendation from my reviewer. I also wrote a senior thesis about multiple linear regression and I would get an ok/good recommendation from my advisor but nothing extraordinary.<br />
 <br />
Oh, and I should have 3-4 actuarial exams passed by then (currently have 2), but I doubt that matters much.<br />
 <br />
Also, I took the GRE when applying to master's programs and scored a 800Q, 530V, 4.0AW.<br />
 <br />
My research interests is in quantitative risk management.<br />
 <br />
I have a few questions:<br />
1) I did not study at all for the GRE (took one practice test the day b4). As such, I am confident I could dramatically raise my verbal score. Will this matter much since I am from the U.S. or should i retake it?<br />
2) I was lazy in undergrad and this resulted in a few B's. If i get A's in PDE's, Math Stats, and Real Analysis and mosty A's in my Actuarial Science, what &quot;range&quot; or &quot;level&quot; or &quot;rank&quot; of programs do I have a good shot at?<br />
3) Other than what I have already listed, what can I do to improve my chances?</div>

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			<category domain="http://www.urch.com/forums/phd-business/">PhD in Business</category>
			<dc:creator>stj553</dc:creator>
			<guid isPermaLink="true">http://www.urch.com/forums/phd-business/129007-advice-prospective-finance-applicant.html</guid>
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			<title>Pseudo Accepted Student wanting more schools!</title>
			<link>http://www.urch.com/forums/phd-business/129003-pseudo-accepted-student-wanting-more-schools.html</link>
			<pubDate>Thu, 19 Nov 2009 17:29:51 GMT</pubDate>
			<description><![CDATA[-4.0 GPA (valedictorian)
-3.5 Years of Work Experience
-Some great reference letters
-GRE close to 1400
 
Here is a breif summary.
 
I think I'm in at Florda International, and I think I have well over 50/50 at memphis.
 
Any other schools I could apply to? I have a few others already, but I figure...]]></description>
			<content:encoded><![CDATA[<div>-4.0 GPA (valedictorian)<br />
-3.5 Years of Work Experience<br />
-Some great reference letters<br />
-GRE close to 1400<br />
 <br />
Here is a breif summary.<br />
 <br />
I think I'm in at Florda International, and I think I have well over 50/50 at memphis.<br />
 <br />
Any other schools I could apply to? I have a few others already, but I figure I might as well see where I can make it.<br />
 <br />
Thanks!<br />
 <br />
PS:  This is for accounting PHDs</div>

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			<category domain="http://www.urch.com/forums/phd-business/">PhD in Business</category>
			<dc:creator>CDARK</dc:creator>
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		<item>
			<title>How far will this get me?</title>
			<link>http://www.urch.com/forums/phd-business/128997-how-far-will-get-me.html</link>
			<pubDate>Thu, 19 Nov 2009 15:52:47 GMT</pubDate>
			<description><![CDATA[GMAT - 720 49Q / 39V AWA 6.0 (to be retaken in January, can't get a high score on Sentence Completion for some reason)

Ugrad GPA - 3.86 (4.0 in Econ and Strategy, 3.8 Mathematics) w/ Honors
Graduated with 161 credits 
Took some additional math courses at Olin College of Engineering

Wrote...]]></description>
			<content:encoded><![CDATA[<div>GMAT - 720 49Q / 39V <a href='#'  class='gal' onmouseover='GAL_popup(this,"1", 300, "", "The AWA is the Analytical Writing Assessment that appears on the GMAT and the GRE (i.e., the writing portions of these tests).", "style=\"display: block;padding: 5px;z-index: 100;background-color: #323232;color: #fff;filter:alpha(opacity=90); /* for IE */opacity:0.9; /* CSS3 standard */width:auto;-moz-border-radius: 5px; /* this works only in camino/firefox */-webkit-border-radius: 5px; /* this is just for Safari */\"");' onmouseout='GAL_hidepopup();' style="text-decoration: none; border-bottom-style:dashed; border-bottom-width: 1px"> AWA</a> 6.0 (to be retaken in January, can't get a high score on Sentence Completion for some reason)<br />
<br />
Ugrad GPA - 3.86 (4.0 in Econ and Strategy, 3.8 Mathematics) w/ Honors<br />
Graduated with 161 credits <br />
Took some additional math courses at Olin College of Engineering<br />
<br />
Wrote Undergraduate Thesis regarding Expert Decision Making (this was a three year effort that culminated with graduating with honors, with specialized research courses, etc, not just some senior paper)<br />
<br />
Currently working at an Economic consulting firm<br />
<br />
Could get strong rec's from Thesis advisor, Well-known Finance prof regarding a research paper, and an econ prof who specializes in Industrial Organization<br />
<br />
interested in Strategy PhD / DBA<br />
<br />
<b>What level of institution should I be shooting for? - 20-50 ranked schools? if i wanted to try for top 20, should I take grad school (MA Econ / Applied Math) classes? I am already retaking the GMATs as my recent practice tests are 770 - 780.</b><br />
<br />
Thanks!</div>

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			<category domain="http://www.urch.com/forums/phd-business/">PhD in Business</category>
			<dc:creator>brianfox</dc:creator>
			<guid isPermaLink="true">http://www.urch.com/forums/phd-business/128997-how-far-will-get-me.html</guid>
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		<item>
			<title>Advice for Prospective Finance Applicant</title>
			<link>http://www.urch.com/forums/phd-business/128972-advice-prospective-finance-applicant.html</link>
			<pubDate>Thu, 19 Nov 2009 05:01:17 GMT</pubDate>
			<description>delete</description>
			<content:encoded><![CDATA[<div>delete</div>

]]></content:encoded>
			<category domain="http://www.urch.com/forums/phd-business/">PhD in Business</category>
			<dc:creator>stj553</dc:creator>
			<guid isPermaLink="true">http://www.urch.com/forums/phd-business/128972-advice-prospective-finance-applicant.html</guid>
		</item>
		<item>
			<title>PhD Accounting Profile</title>
			<link>http://www.urch.com/forums/phd-business/128969-phd-accounting-profile.html</link>
			<pubDate>Thu, 19 Nov 2009 03:28:59 GMT</pubDate>
			<description>Hi all, looking for comments on my profile for Fall 2010 PhD Accounting with focus on _audit research_.
 
*_Undergrad_*: Accounting + Finance Double degree
*_GPA_*: 4.0 (large state school)
*_GMAT_*: 730 (Q50;V40)
*_Exp_*: 3.5 years in Big 4 audit
*_LOR_*: Great rec from work, decent from...</description>
			<content:encoded><![CDATA[<div>Hi all, looking for comments on my profile for Fall 2010 PhD Accounting with focus on <u>audit research</u>.<br />
 <br />
<b><u>Undergrad</u></b>: Accounting + Finance Double degree<br />
<b><u>GPA</u></b>: 4.0 (large state school)<br />
<b><u>GMAT</u></b>: 730 (Q50;V40)<br />
<b><u>Exp</u></b>: 3.5 years in Big 4 audit<br />
<b><u>letter of reference</u></b>: Great rec from work, decent from school<br />
<b><u>Major Weaknesses</u></b>: No advanced math/econ background, no masters, no great professor <a href='#'  class='gal' onmouseover='GAL_popup(this,"1", 300, "", "LoR means <strong>letter of recommendation</strong> (e.g., from a supervisor, or a former professor of yours) which some programs may require you to supply as part of your application to their program. They are much more commonly required by graduate-level programs than by undergraduate programs.", "style=\"display: block;padding: 5px;z-index: 100;background-color: #323232;color: #fff;filter:alpha(opacity=90); /* for IE */opacity:0.9; /* CSS3 standard */width:auto;-moz-border-radius: 5px; /* this works only in camino/firefox */-webkit-border-radius: 5px; /* this is just for Safari */\"");' onmouseout='GAL_hidepopup();' style="text-decoration: none; border-bottom-style:dashed; border-bottom-width: 1px"> LORs</a>, no research/teaching exp<br />
 <br />
My plan is to apply to 6-7 top state universities with good audit professors (minus UIUC and UT-Austin). The ranking surveys that are available seem to be more for financial accounting so I selected the schools based the professors' background and recent placements. I did not pick any real 'safety' schools as I don't want to spend the next 4-5 years in a place that I won't like. I appreciate any feedback on this strategy and things I can do to boister my chances for admission.<br />
 <br />
Also, is it generally a good idea to send an email to the program director/professor to reiterate my interests in the school?<br />
 <br />
Thanks!</div>

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			<category domain="http://www.urch.com/forums/phd-business/">PhD in Business</category>
			<dc:creator>noel</dc:creator>
			<guid isPermaLink="true">http://www.urch.com/forums/phd-business/128969-phd-accounting-profile.html</guid>
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			<title>Need advice on applying for PhD in operation management</title>
			<link>http://www.urch.com/forums/phd-business/128907-need-advice-applying-phd-operation-management.html</link>
			<pubDate>Wed, 18 Nov 2009 05:11:38 GMT</pubDate>
			<description>Hi,
 
Is there anyone applying or studying in PhD in operation management. I appreciate your advice on applying. 
 
 
Thanks in advance</description>
			<content:encoded><![CDATA[<div>Hi,<br />
 <br />
Is there anyone applying or studying in PhD in operation management. I appreciate your advice on applying. <br />
 <br />
 <br />
Thanks in advance</div>

]]></content:encoded>
			<category domain="http://www.urch.com/forums/phd-business/">PhD in Business</category>
			<dc:creator>ninigava</dc:creator>
			<guid isPermaLink="true">http://www.urch.com/forums/phd-business/128907-need-advice-applying-phd-operation-management.html</guid>
		</item>
		<item>
			<title>Can I get into PHD Finance in Warwick?</title>
			<link>http://www.urch.com/forums/phd-business/128894-can-i-get-into-phd-finance-warwick.html</link>
			<pubDate>Wed, 18 Nov 2009 00:03:18 GMT</pubDate>
			<description>Dear all, 
 
I have come into this forum when I was surfing the net looking for some admission information for phds. I really would need some help and advice on my chance to getting into Warwick Phd finance. Thanks...
 
here is my details:
Undergraduate at Chinese University of Hong Kong BBA(one of...</description>
			<content:encoded><![CDATA[<div>Dear all, <br />
 <br />
I have come into this forum when I was surfing the net looking for some admission information for phds. I really would need some help and advice on my chance to getting into Warwick Phd finance. Thanks...<br />
 <br />
here is my details:<br />
Undergraduate at Chinese University of Hong Kong BBA(one of the top business school in hk)  with GPA 2.9  (2:2)<br />
1 year non-relevant working experience after graduation<br />
Now studying MSc Accounting and Finance at Cardiff University (expected to get +80) <br />
 <br />
LOF: I can have LOF from a good management accounting professor as well as my programme director who graduated from Warwick in MSc level and LBS of phd level<br />
 <br />
What is my chance of getting into Warwick University for its Phd finance? and when should be my personal deadline for application? Do I need a GMAT? (because i am realli having loads of essays to work on for the MSc programme now) Are there any other suggestions of schools for me of which I am able to get into in UK or in US? I need studentship as I come from a poor family. I knew I didnt have much research experience and a good grade in undergraduate study, but I really want to do research and teach as my future career. Thank you very much.</div>

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			<category domain="http://www.urch.com/forums/phd-business/">PhD in Business</category>
			<dc:creator>boomkunkun</dc:creator>
			<guid isPermaLink="true">http://www.urch.com/forums/phd-business/128894-can-i-get-into-phd-finance-warwick.html</guid>
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			<title>Include Weakly Positive Econ LOR</title>
			<link>http://www.urch.com/forums/phd-business/128879-include-weakly-positive-econ-letter-reference.html</link>
			<pubDate>Tue, 17 Nov 2009 19:57:02 GMT</pubDate>
			<description><![CDATA[I'm applying for a finance PhD as a math/finance major and I haven't taken any econ classes since first year. I'm currently taking grad micro and doing very well, the professor is fairly well published.

Should ask my grad micro prof to write me a LOR as a 4th letter? My other LOR are from a famous...]]></description>
			<content:encoded><![CDATA[<div>I'm applying for a finance PhD as a math/finance major and I haven't taken any econ classes since first year. I'm currently taking grad micro and doing very well, the professor is fairly well published.<br />
<br />
Should ask my grad micro prof to write me a <a href='#'  class='gal' onmouseover='GAL_popup(this,"1", 300, "", "LoR means <strong>letter of recommendation</strong> (e.g., from a supervisor, or a former professor of yours) which some programs may require you to supply as part of your application to their program. They are much more commonly required by graduate-level programs than by undergraduate programs.", "style=\"display: block;padding: 5px;z-index: 100;background-color: #323232;color: #fff;filter:alpha(opacity=90); /* for IE */opacity:0.9; /* CSS3 standard */width:auto;-moz-border-radius: 5px; /* this works only in camino/firefox */-webkit-border-radius: 5px; /* this is just for Safari */\"");' onmouseout='GAL_hidepopup();' style="text-decoration: none; border-bottom-style:dashed; border-bottom-width: 1px"> letter of reference</a> as a 4th letter? My other <a href='#'  class='gal' onmouseover='GAL_popup(this,"1", 300, "", "LoR means <strong>letter of recommendation</strong> (e.g., from a supervisor, or a former professor of yours) which some programs may require you to supply as part of your application to their program. They are much more commonly required by graduate-level programs than by undergraduate programs.", "style=\"display: block;padding: 5px;z-index: 100;background-color: #323232;color: #fff;filter:alpha(opacity=90); /* for IE */opacity:0.9; /* CSS3 standard */width:auto;-moz-border-radius: 5px; /* this works only in camino/firefox */-webkit-border-radius: 5px; /* this is just for Safari */\"");' onmouseout='GAL_hidepopup();' style="text-decoration: none; border-bottom-style:dashed; border-bottom-width: 1px"> letter of reference</a> are from a famous finance prof, an extremely junior finance prof, and a math prof. All very strong. <br />
<br />
I think the econ prof would write something like, &quot;Taking grad micro class based on MWG, doing very well, strong economic insight&quot; <br />
<br />
but I expect my other <a href='#'  class='gal' onmouseover='GAL_popup(this,"1", 300, "", "LoR means <strong>letter of recommendation</strong> (e.g., from a supervisor, or a former professor of yours) which some programs may require you to supply as part of your application to their program. They are much more commonly required by graduate-level programs than by undergraduate programs.", "style=\"display: block;padding: 5px;z-index: 100;background-color: #323232;color: #fff;filter:alpha(opacity=90); /* for IE */opacity:0.9; /* CSS3 standard */width:auto;-moz-border-radius: 5px; /* this works only in camino/firefox */-webkit-border-radius: 5px; /* this is just for Safari */\"");' onmouseout='GAL_hidepopup();' style="text-decoration: none; border-bottom-style:dashed; border-bottom-width: 1px"> LORs</a> to be very strong &quot;Strong research potential, stronger inate ability than past students who are at MIT PhD, math skills on par with Euclid, deserves nobel prize nomination, likely to end world poverty within 4 years and cure cancer as a side project, etc... &quot; <br />
<br />
Should I include a letter from an econ prof that barely knows me, or is it just going to diminish the impact of the other letters?</div>

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			<category domain="http://www.urch.com/forums/phd-business/">PhD in Business</category>
			<dc:creator>sevenchen</dc:creator>
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			<title>Some notes on funding</title>
			<link>http://www.urch.com/forums/phd-business/128845-some-notes-funding.html</link>
			<pubDate>Tue, 17 Nov 2009 04:32:21 GMT</pubDate>
			<description>I meant to post this awhile back, but I have been very very busy as a first semester doctoral student. 
 
I realize that decisions on schools likely do not come down to purely financing, but it is certainly an aspect to consider. 
 
I found while sorting through offers and such that the financial...</description>
			<content:encoded><![CDATA[<div>I meant to post this awhile back, but I have been very very busy as a first semester doctoral student. <br />
 <br />
I realize that decisions on schools likely do not come down to purely financing, but it is certainly an aspect to consider. <br />
 <br />
I found while sorting through offers and such that the financial packages are very different among schools, some questions to consider....<br />
 <br />
1. Is your funding tied to teaching responsibilities?<br />
2. Does your package include insurance?<br />
3. Does the package waive tuition or tuition and fees? Fees at some schools are several thousand dollars<br />
4. Is a computer provided/software packages (SAS, etc...) included?<br />
5. Is the contract 9 months or 12 months? If 9 months are their opportunities to pick up summer teaching or research positions for additional funding?<br />
6. What type of conference funding is there available for students?<br />
7. Does the package include parking? Parking can be $500+ a year at some schools<br />
 <br />
Feel free to add others</div>

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			<category domain="http://www.urch.com/forums/phd-business/">PhD in Business</category>
			<dc:creator>taxPhD</dc:creator>
			<guid isPermaLink="true">http://www.urch.com/forums/phd-business/128845-some-notes-funding.html</guid>
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		<item>
			<title>Taken the GMAT too Many Times?</title>
			<link>http://www.urch.com/forums/phd-business/128843-taken-gmat-too-many-times.html</link>
			<pubDate>Tue, 17 Nov 2009 03:59:55 GMT</pubDate>
			<description>With respect to applications for Marketing PhD programs...
 
In your opinion, at what point has an applicant taken the GMAT too many times?
 
3, 4, 5 ...?</description>
			<content:encoded><![CDATA[<div>With respect to applications for Marketing PhD programs...<br />
 <br />
In your opinion, at what point has an applicant taken the GMAT too many times?<br />
 <br />
3, 4, 5 ...?</div>

]]></content:encoded>
			<category domain="http://www.urch.com/forums/phd-business/">PhD in Business</category>
			<dc:creator>PhD Marketing</dc:creator>
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			<title>Applying for PhD in Operation Managemet, Help</title>
			<link>http://www.urch.com/forums/phd-business/128833-applying-phd-operation-managemet-help.html</link>
			<pubDate>Mon, 16 Nov 2009 23:06:29 GMT</pubDate>
			<description>Hi, 

I am an MBA student in 3rd semester. I am applying for PhD in Operation Management. 

GMAT: 700 (Q50, V34), writing 5.0

I have a master (GPA:3.98) and bachelor (GPA: 3.0) in Industrial Eng. from two  top university in Iran.

I am now studying MBA in University of Nevada-Las Vegas (GPA:3.65).</description>
			<content:encoded><![CDATA[<div>Hi, <br />
<br />
I am an MBA student in 3rd semester. I am applying for PhD in Operation Management. <br />
<br />
GMAT: 700 (Q50, V34), writing 5.0<br />
<br />
I have a master (GPA:3.98) and bachelor (GPA: 3.0) in Industrial Eng. from two  top university in Iran.<br />
<br />
I am now studying MBA in University of Nevada-Las Vegas (GPA:3.65). <br />
<br />
I have two finance paper, one presented in a national conference and one in IEEE conference in US. <br />
<br />
I have also two year work experience between bachelor and master.<br />
<br />
Please advice me on my profile evaluation and my chance to be accepted to a good b school in US.<br />
<br />
I appreciate your help. Thanks</div>

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			<category domain="http://www.urch.com/forums/phd-business/">PhD in Business</category>
			<dc:creator>ninigava</dc:creator>
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			<title>Waiving right to read LOR</title>
			<link>http://www.urch.com/forums/phd-business/128817-waiving-right-read-letter-reference.html</link>
			<pubDate>Mon, 16 Nov 2009 17:57:50 GMT</pubDate>
			<description>When you put in your referees in the application, they ask you whether you want to waive the right to read the recommendation.

I was wondering what the norm is? Is it expected that I waive my right? I would of course like to read what my referees write, but not at the cost of making them...</description>
			<content:encoded><![CDATA[<div>When you put in your referees in the application, they ask you whether you want to waive the right to read the recommendation.<br />
<br />
I was wondering what the norm is? Is it expected that I waive my right? I would of course like to read what my referees write, but not at the cost of making them uncomfortable.</div>

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			<dc:creator>figuringout</dc:creator>
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