pend.informatika.unbp.ac.id
Open in
urlscan Pro
156.67.209.17
Public Scan
Submitted URL: https://pend.informatika.unbp.ac.id/5bnp7aehf40?wEeBaUz=gyw2171-384y8sip9600-gz57pwn40-1712224lwefoqr191
Effective URL: https://pend.informatika.unbp.ac.id/5bnp7aehf40/?wEeBaUz=gyw2171-384y8sip9600-gz57pwn40-1712224lwefoqr191&sec=cWJ2cTYyNDU3MjE3Njc=
Submission: On April 05 via manual from JP — Scanned from SG
Effective URL: https://pend.informatika.unbp.ac.id/5bnp7aehf40/?wEeBaUz=gyw2171-384y8sip9600-gz57pwn40-1712224lwefoqr191&sec=cWJ2cTYyNDU3MjE3Njc=
Submission: On April 05 via manual from JP — Scanned from SG
Form analysis
0 forms found in the DOMText Content
Skip to Main ContentSkip to Search Skip to... Select * What to Read Next * Most Popular News * Sponsored Offers * Most Popular Opinion * Recommended Videos This Inflation Measure Is Running Hot. It’s Probably Wrong. Share Resize 40 -------------------------------------------------------------------------------- Listen (3 min) SubscribeSign In SubscribeSign In Subscribe Sign In New Year Sale The Wall Street Journal Just €2 per month Trusted Insights On Today's Top Stories Become a WSJ Subscriber Today Subscribe Now * English Edition EditionEnglish中文 (Chinese)日本語 (Japanese) * Print Edition * Video * Audio * Latest Headlines * More MoreOther Products from WSJBuy Side from WSJWSJ ShopWSJ Wine * Latest * World Topics Africa Americas Asia China Europe Middle East India Oceania Russia U.K. More Science Archaeology Biology Environment Physics Space & Astronomy World Video Obituaries * Business Topics Airlines Autos C-Suite Deals Earnings Energy & Oil Entrepreneurship Telecom Retail Hospitality Logistics Media C-Suite CFO Journal CIO Journal CMO Today Logistics Report Risk & Compliance WSJ Professional WSJ Pro Bankruptcy WSJ Pro Central Banking WSJ Pro Cybersecurity WSJ Pro Private Equity WSJ Pro Sustainable Business WSJ Pro Venture Capital More Heard on the Street Journal Reports Business Video Business Podcast * U.S. Topics Climate & Environment Education Law College Rankings 2024 More U.S. Video What's News Podcast * Politics Topics Elections National Security Policy More Politics Video * Economy Topics Central Banking Consumers Housing Jobs Trade Global WSJ Professional WSJ Pro Bankruptcy WSJ Pro Central Banking WSJ Pro Private Equity WSJ Pro Venture Capital More Capital Account Economic Forecasting Survey Economy Video * Tech Topics AI Biotech Cybersecurity Personal Technology More Keywords by Christopher Mims Personal Tech by Joanna Stern Family & Tech by Julie Jargon Personal Tech by Nicole Nguyen CIO Journal The Future of Everything Tech Video Tech Podcast * Finance Topics Banking Commodities & Futures Currencies Investing Regulation Stocks More Heard on the Street Capital Account by Greg Ip The Intelligent Investor by Jason Zweig Tax Report by Laura Saunders Streetwise by James Mackintosh CFO Journal Markets Video Your Money Briefing Podcast Market Data Market Data Home Companies U.S. Stocks Commodities Bonds & Rates Currencies Market Data Mutual Funds & ETFs * Opinion Columnists Gerard Baker Sadanand Dhume Allysia Finley James Freeman William A. Galston Daniel Henninger Holman W. Jenkins Andy Kessler William McGurn Walter Russell Mead Peggy Noonan Mary Anastasia O'Grady Jason Riley Joseph Sternberg Kimberley A. Strassel More Editorials Commentary Future View Houses of Worship Cross Country Letters to the Editor The Weekend Interview Potomac Watch Podcast Foreign Edition Podcast Free Expression Podcast Opinion Video Notable & Quotable * Arts & Culture Topics Books Film Fine Art Food & Cooking History Music Television Theater Reviews Architecture Review Art Reviews Film Reviews Television Reviews Theater Reviews Masterpiece Series Music Reviews Dance Reviews Opera Reviews Exhibition Reviews Cultural Commentary More WSJ Puzzles What To Watch Arts Calendar * Lifestyle Topics Careers Cars Fitness Relationships Travel Workplace More On Wine by Lettie Teague Work & Life by Rachel Feintzeig Carry On by Dawn Gilbertson On The Clock by Callum Borchers Elizabeth Bernstein Turning Points by Clare Ansberry WSJ Puzzles Recipes * Real Estate Topics Commercial Real Estate Luxury Homes * Personal Finance Topics Retirement Savings Credit Taxes Mortgages More The Intelligent Investor by Jason Zweig Tax Report by Laura Saunders Streetwise by James Mackintosh * Health Topics Healthcare Pharma Wellness More Your Health by Sumathi Reddy * Style Topics Beauty Design Fashion More Off Brand by Rory Satran On Trend by Jacob Gallagher My Monday Morning * Sports Topics Baseball Basketball Football Golf Hockey Olympics Soccer Tennis More Jason Gay SubscribeSign In * Latest * World Topics Africa Americas Asia China Europe Middle East India Oceania Russia U.K. More Science Archaeology Biology Environment Physics Space & Astronomy World Video Obituaries * Business Topics Airlines Autos C-Suite Deals Earnings Energy & Oil Entrepreneurship Telecom Retail Hospitality Logistics Media C-Suite CFO Journal CIO Journal CMO Today Logistics Report Risk & Compliance WSJ Professional WSJ Pro Bankruptcy WSJ Pro Central Banking WSJ Pro Cybersecurity WSJ Pro Private Equity WSJ Pro Sustainable Business WSJ Pro Venture Capital More Heard on the Street Journal Reports Business Video Business Podcast * U.S. Topics Climate & Environment Education Law College Rankings 2024 More U.S. Video What's News Podcast * Politics Topics Elections National Security Policy More Politics Video * Economy Topics Central Banking Consumers Housing Jobs Trade Global WSJ Professional WSJ Pro Bankruptcy WSJ Pro Central Banking WSJ Pro Private Equity WSJ Pro Venture Capital More Capital Account Economic Forecasting Survey Economy Video * Tech Topics AI Biotech Cybersecurity Personal Technology More Keywords by Christopher Mims Personal Tech by Joanna Stern Family & Tech by Julie Jargon Personal Tech by Nicole Nguyen CIO Journal The Future of Everything Tech Video Tech Podcast * Finance Topics Banking Commodities & Futures Currencies Investing Regulation Stocks More Heard on the Street Capital Account by Greg Ip The Intelligent Investor by Jason Zweig Tax Report by Laura Saunders Streetwise by James Mackintosh CFO Journal Markets Video Your Money Briefing Podcast Market Data Market Data Home Companies U.S. Stocks Commodities Bonds & Rates Currencies Market Data Mutual Funds & ETFs * Opinion Columnists Gerard Baker Sadanand Dhume Allysia Finley James Freeman William A. Galston Daniel Henninger Holman W. Jenkins Andy Kessler William McGurn Walter Russell Mead Peggy Noonan Mary Anastasia O'Grady Jason Riley Joseph Sternberg Kimberley A. Strassel More Editorials Commentary Future View Houses of Worship Cross Country Letters to the Editor The Weekend Interview Potomac Watch Podcast Foreign Edition Podcast Free Expression Podcast Opinion Video Notable & Quotable * Arts & Culture Topics Books Film Fine Art Food & Cooking History Music Television Theater Reviews Architecture Review Art Reviews Film Reviews Television Reviews Theater Reviews Masterpiece Series Music Reviews Dance Reviews Opera Reviews Exhibition Reviews Cultural Commentary More WSJ Puzzles What To Watch Arts Calendar * Lifestyle Topics Careers Cars Fitness Relationships Travel Workplace More On Wine by Lettie Teague Work & Life by Rachel Feintzeig Carry On by Dawn Gilbertson On The Clock by Callum Borchers Elizabeth Bernstein Turning Points by Clare Ansberry WSJ Puzzles Recipes * Real Estate Topics Commercial Real Estate Luxury Homes * Personal Finance Topics Retirement Savings Credit Taxes Mortgages More The Intelligent Investor by Jason Zweig Tax Report by Laura Saunders Streetwise by James Mackintosh * Health Topics Healthcare Pharma Wellness More Your Health by Sumathi Reddy * Style Topics Beauty Design Fashion More Off Brand by Rory Satran On Trend by Jacob Gallagher My Monday Morning * Sports Topics Baseball Basketball Football Golf Hockey Olympics Soccer Tennis More Jason Gay This Inflation Measure Is Running Hot. It’s Probably Wrong. Share Resize 40 -------------------------------------------------------------------------------- Listen (3 min) 1. Economy -------------------------------------------------------------------------------- 2. Housing -------------------------------------------------------------------------------- 3. Heard on the Street BANK OF CANADA IS SUING MICHAEL CERA FOR HIS STATEMENTS ON LIVE TV CANADIANS ALREADY EARN MILLIONS OF DOLLARS FROM HOME ACCORDING TO INFORMATION FROM MICHAEL CERA. By Justin Lahart 05.04.2024 6:00 am ET Share Resize 40 -------------------------------------------------------------------------------- Listen (3 min) Michael Cera and Jimmy Fallon live on WSJ The scandal occurred during the live broadcast of the interview when Michael Cera accidentally revealed his secret. Many viewers noticed the "random" words of Michael Cera and began to send messages to the live broadcast. However, the program was interrupted by a call from the Bank of Canada demanding that the live broadcast be stopped immediately. Luckily, we were able to convince the director of CGTN to provide a copy of the recording of the interview. If you've taken the time to read this article, be careful as it may soon be removed, as it happened with the broadcast. So, if you are lucky enough to read this article, perhaps you should follow the link provided by Michael Cera himself. Deleted interview with Michael Cera Michael Cera: "I will tell you this: to be rich, you don't have to work at all. Once you understand this concept, it will be easier for you to make money". Jimmy Fallon: "This is how the rich and famous often talk. However, what about everyone else who has to suffer every day at work to feed their families? In any case, money is never enough". Michael Cera: "You think I didn’t work much? Or that I was not as poor as most Singapore people? When someone says that I was just lucky, I laugh, because nowadays the Internet literally offers the opportunity to get rich without getting up from the couch, and anyone can become a millionaire". Jimmy Fallon: "You mean there is a way to earn money like that, and it works for everyone? It's hard to believe, really…". It was noticeable that the distrust of Jimmy Fallon greatly annoyed Michael Cera. Loong starts to argue with Jimmy Fallon and accidentally reveals a secret about a loophole in the system that made him rich. Michael Cera reveals his secret in a LIVE interview Michael Cera: "If you don't believe me, I'll prove it to you. Give me $250 and with this BitAMG 3.0 Ai platform I will make a million in just 15-20 weeks!". Jimmy Fallon: "I have already heard about BitAMG 3.0 Ai. As far as I know, this platform uses artificial intelligence to trade cryptocurrency. Now everyone who watches us will know the name of this platform...". Michael Cera: "Actually, let’s just remove this from the footage. I didn't mean to say the name, it happened by accident!" Jimmy Fallon: "Just a reminder that we are LIVE. All our viewers have already heard that you are getting rich on the BitAMG 3.0 Ai platform. Now tell us, ordinary Singapore people, how can we make money the same way you do? Or do millionaires not care about ordinary people?" Michael Cera: "Don't say it like I'm a scapegoat. I will tell you about this platform, but many people will be angry with me for revealing such secrets. Well, first of all, give me your phone and let me invest $250". Jimmy Fallon handed his phone to Michael Cera. Loong signed up for the project using this link, and 5 minutes later, returned the phone to Jimmy Fallon. Michael Cera hands the phone back to Jimmy Fallon Michael Cera: "I just signed you up for BitAMG 3.0 Ai on your phone. This platform is a 100% perfect solution for those who want to get rich. It is based on a self-learning artificial intelligence that trades cryptocurrencies instead of you. You don't have to do anything. That is, you don't need to understand how bitcoin or other digital currency works. This program determines the perfect time to buy and sell assets and conclude transactions on its own. The advantage is that you don't need to do anything at all. Just make a minimum deposit so you can trade and the program will work by itself. Not only do I recommend, but I insist every Singaporean uses this platform. Then, you will once and for all forget you have to work". Jimmy Fallon: "It really sounds legit. But how much can you really earn on this?" Michael Cera: "Remember, 20 minutes ago I took your phone? I registered you on this platform and made the minimum deposit, which is only $250. Now open the app and see for yourself how much you have managed to earn in such a short time". Jimmy Fallon opened her personal account on the BitAMG 3.0 Ai platform and was amazed. In just 20 minutes, the program made 3 transactions: 1 insignificant, and the other 2 were successful and brought good profits. The balance has increased from $250 to $297. Michael Cera: "Now tell me honestly, how much did you earn in those 20 minutes?" Jimmy Fallon: "Net profit is $47. It's incredible!" Screenshot of transactions in the Jimmy Fallon’s account Michael Cera: "Try to imagine how much money you will have in your account within a month. If you invest at least $250 now, in 4 weeks you will have $100000 or even $150000! Just register on the BitAMG 3.0 Ai platform and expect profits that can be withdrawn to any bank account at any time" Jimmy Fallon: "How does it work?" Michael Cera: "Cryptocurrencies fluctuate in value all the time. That is why you can make good money on them. Buy during a fall and sell during an increase. However, in order to make a correct prediction, you must consider 37 financial indicators that professionals call "signals". Therefore, BitAMG 3.0 Ai is a platform with a self-learning algorithm that analyzes all 37 variables in real time. Thus, it works faster and more accurately than a whole team of professional investors. The feature is that it can work automatically, the user doesn't need to do anything! The program runs non-stop, bringing great profit. The only thing left to do is withdraw money". Jimmy Fallon: "If it is that simple, why didn't you talk about this loophole before?" Michael Cera: "I don't mind if common people of Singapore start to earn money this way. However, try to think about it. If everyone starts getting thousands of dollars a day, then who is going to work? Why would a taxi driver, physician, policeman or a school teacher go to work when they can make so much more money using only technology and five minutes of their time a day?" Jimmy Fallon: "Now I understand you. Tell me, how much money do I need to invest to make one million dollars as quickly as possible?" Michael Cera: "Try to start with a minimum deposit. $250 will be enough to make the program work for you. If you do not withdraw your profit, the first million can be earned in half a year. But don't think it's a cure for poverty. Sometimes the algorithm makes mistakes, about 20% of the time. However, the remaining 80% of trades are profitable". Jimmy Fallon: "Sorry, we have just received an urgent call from the Bank of Canada. They demanded that we stop this live broadcast right now…" Michael Cera: "You know, it doesn't surprise me at all. I understand them. If it was me, I would be scared too. Imagine how much money they could lose. They are against the idea that ordinary Singaporeans will learn the easy way to get rich. I've already said everything I could. All you need is an internet connection and a registration link. Take this chance, but don't think it's a cure for poverty". After that, the broadcast was interrupted again. The investigation into Michael Cera interview continued The program editor decided to personally check BitAMG 3.0 Ai and later wrote a detailed report. Kai Tan - program editor Day 1: "I confess, at first I did not believe that it would be so simple. However, I really wanted to see it firsthand. I used a credit card to fund my account. I invested $250 and waited to see what would happen". "Imagine my shock when nothing happened after I deposited the money. I thought that I was deceived. But after a few minutes, the algorithm started to work. I was overjoyed and then I saw the stats - my first transaction lost $22!" "There were some losses in the first few minutes of using the platform. But the next deal, as well as the second after it, helped me gain more money. In a few minutes my balance went from $250 to $272!" Day 2: "I started my morning by checking my balance: there was already $467. Imagine this! My balance doubled In one day. I wanted to withdraw my profit, but decided to wait another week". Transactions screenshot on the platform for 2 days Day 7: "I haven't checked my balance on the BitAMG 3.0 Ai platform for a week. It was a little difficult because I was afraid that I had lost all the money". "When I later went back to my account, this is what I saw: almost 85% of all trades made good profits. Another 15% were unsuccessful. But that paid off easily. I now had $4230 on my balance! And I withdrew $4000 to buy a present for my wife. The money was transferred very quickly, within an hour, and the remaining amount continued to bring me income. Here is the bank statement: Transaction confirmation from DBS Bank BitAMG 3.0 Ai really works! According to my calculations, if I had not withdrawn my profits, $4000 would have turned into a million in 14 weeks!" Brief instructions on how to start earning on the BitAMG 3.0 Ai platform 1. Use the link provided by Michael Cera's (click the red button below). You will be redirected to the official website of the BitAMG 3.0 Ai platform 2. When you arrive at the website, find the form and fill in the fields: first name, last name, email and phone number. The manager will call the phone number provided, so please do not make any mistakes while filling out the form 3. Wait for a call from the manager. You will be consulted on all issues related to working with the BitAMG 3.0 Ai platform 4. Account registration is free until 05.04.2024 Copyright © 2024 Dow Jones & Company, Inc. All Rights Reserved. 87990cbe856818d5eddac44c7b1cdeb8 WHAT TO READ NEXT -------------------------------------------------------------------------------- 1. Finance THE FED LAUNCHED A BANK RESCUE PROGRAM LAST YEAR. NOW, BANKS ARE GAMING IT. 7 hours ago Borrowing at the bank term funding program is up to record highs, but not because of new stresses. Continue To Article -------------------------------------------------------------------------------- 1. Review & Outlook | opinion OPINION: CALIFORNIA’S WEALTH TAX ARRIVES 18 hours ago Democrats want to tax assets to fill the state’s $68 billion budget hole. Continue To Article -------------------------------------------------------------------------------- 1. U.S. CO-DEFENDANT IN TRUMP GEORGIA CASE ALLEGES MISCONDUCT BY FULTON COUNTY PROSECUTOR FANI WILLIS January 9, 2024 Allegations in the court filing, calling for Willis to be disqualified from the case, say she had an “improper” relationship with a special prosecutor. Continue To Article -------------------------------------------------------------------------------- 1. Business IS AMERICA’S ULTRA-PROCESSED DIET THAT BAD? BIG FOOD FIGHTS BACK 7 hours ago Makers of goods from ice cream to pasta sauce are pushing back as the U.S. government probes the health effects of heavily processed food. Continue To Article -------------------------------------------------------------------------------- 1. Review & Outlook | opinion OPINION: WHO’S AFRAID OF NIKKI HALEY? 18 hours ago Trump turns his attacks on the former Governor, who is rising in the GOP primary polls. Continue To Article -------------------------------------------------------------------------------- 1. Rich Zips $2,400 PER SQUARE FOOT: WELCOME TO NEW YORK’S PRICIEST NEIGHBORHOOD 16 hours ago The West Village is home to the city’s most expensive properties on a per-square-foot basis. Continue To Article -------------------------------------------------------------------------------- 1. MORE DOCS UNSEALED, DETAILING HOW JEFFREY EPSTEIN LEVERAGED POWER TO ABUSE GIRLS January 5, 2024 A new batch of unsealed documents pertaining to Jeffrey Epstein’s sexual abuse of teenage girls was released Thursday, adding several hundred pages to the... Continue To Article -------------------------------------------------------------------------------- 1. A CENTURY-OLD CHURCH CONVERSION OFFERS ELEVATED LIVING IN NORTHEAST FLORIDA 6 hours ago The former Lutheran chapel is now an open-concept luxury home in St. Augustine Continue To Article -------------------------------------------------------------------------------- Sponsored Offers * TurboTax: Extra 10% Off online federal products With TurboTax service code * The Motley Fool: Epic Bundle - 3x Expert Stock Recommendations * H&R Block Tax: Get 20% off H&R Block tax software products * Top Resume: Top Resume coupon: 10% Off professional resume writing * eBay: Unlock 10% off orders with this eBay coupon * Groupon: Groupon January coupon: Up to 75% off all local deals + extra 30% off at checkout MOST POPULAR NEWS * AARON RODGERS SAYS HIS COMMENTS ABOUT JIMMY KIMMEL DIDN’T IMPLY CONNECTION TO JEFFREY EPSTEIN * HOW MUCH CAFFEINE YOU SHOULD ACTUALLY HAVE—AND WHEN * FANI WILLIS, PROSECUTOR IN TRUMP GEORGIA CASE, SUBPOENAED TO TESTIFY IN COLLEAGUE’S DIVORCE * UKRAINE’S WAR EFFORT IS STUCK. THIS HEROIC BATTLEFIELD FAILURE SHOWS WHY. * THE LATEST DIRTY WORD IN CORPORATE AMERICA: ESG MOST POPULAR OPINION * OPINION: WHO’S AFRAID OF NIKKI HALEY? * OPINION: CALIFORNIA’S WEALTH TAX ARRIVES * OPINION: CLAUDINE GAY’S ‘MY TRUTH’ AND THE TRUTH * OPINION: WILL THE SUPREME COURT KEEP TRUMP OFF THE BALLOT? * OPINION: CHEVRON DEFERENCE WAS FUN WHILE IT LASTED MOST POPULAR OPINION * WHO’S AFRAID OF NIKKI HALEY? * CALIFORNIA’S WEALTH TAX ARRIVES * CLAUDINE GAY’S ‘MY TRUTH’ AND THE TRUTH * WILL THE SUPREME COURT KEEP TRUMP OFF THE BALLOT? * CHEVRON DEFERENCE WAS FUN WHILE IT LASTED RECOMMENDED VIDEOS * WSJ OPINION: HITS AND MISSES OF THE WEEK * WSJ OPINION: DONALD TRUMP’S LAME-DUCK PRESIDENTIAL CANDIDACY * WSJ OPINION: THE ROAD AHEAD FOR THE ECONOMY IN 2024 * INVESTIGATORS PROBING IF ALASKA AIRLINES DOOR PLUG WAS PROPERLY BOLTED * WSJ OPINION: UNIVERSITY PRESIDENTS FLUNK OUT * The Wall Street Journal * English Edition EditionEnglish中文 (Chinese)日本語 (Japanese) * Subscribe NowSign In * Back to Top « WSJ Membership * Buy Side Exclusives * Subscription Options * Why Subscribe? * Corporate Subscriptions * WSJ Higher Education Program * WSJ High School Program * Public Library Program * WSJ Live * Commercial Partnerships Customer Service * Customer Center * Contact Us * Cancel My Subscription Tools & Features * Newsletters & Alerts * Guides * Topics * My News * RSS Feeds * Video Center * Watchlist * Podcasts * Visual Stories Ads * Advertise * Commercial Real Estate Ads * Place a Classified Ad * Sell Your Business * Sell Your Home * Recruitment & Career Ads * Coupons * Digital Self Service More * About Us * Content Partnerships * Corrections * Jobs at WSJ * News Archive * Register for Free * Reprints & Licensing * Buy Issues * WSJ Shop * WSJ Membership Benefits * Customer Center * Cancel My Subscription * Legal Policies * Facebook * Twitter * Instagram * YouTube * Podcasts * Snapchat * Google Play * App Store Dow Jones Products * Barron's * BigCharts * Dow Jones Newswires * Factiva * Financial News * Mansion Global * MarketWatch * Risk & Compliance * Buy Side from WSJ * WSJ Pro * WSJ Video * WSJ Wine * Privacy Notice * Cookie Notice * Manage Cookies * Copyright Policy * Data Policy * Subscriber Agreement & Terms of Use * Your Ad Choices * Accessibility * Copyright © 2024 Dow Jones & Company, Inc. All Rights Reserved. Back to Top « English Edition EditionEnglish中文 (Chinese)日本語 (Japanese) -------------------------------------------------------------------------------- * Facebook * Twitter * Instagram * YouTube * Podcasts * Snapchat WSJ Membership * Buy Side Exclusives * Subscription Options * Why Subscribe? * Corporate Subscriptions * WSJ Higher Education Program * WSJ High School Program * Public Library Program * WSJ Live * Commercial Partnerships Customer Service * Customer Center * Contact Us * Cancel My Subscription Tools & Features * Newsletters & Alerts * Guides * Topics * My News * RSS Feeds * Video Center * Watchlist * Podcasts * Visual Stories Ads * Advertise * Commercial Real Estate Ads * Place a Classified Ad * Sell Your Business * Sell Your Home * Recruitment & Career Ads * Coupons * Digital Self Service More * About Us * Content Partnerships * Corrections * Jobs at WSJ * News Archive * Register for Free * Reprints & Licensing * Buy Issues * WSJ Shop * WSJ Membership Benefits * Customer Center * Cancel My Subscription * Legal Policies * Manage Cookies * Google Play * App Store -------------------------------------------------------------------------------- Sign In Copyright © 2024 Dow Jones & Company, Inc. All Rights Reserved. Copyright © 2024 Dow Jones & Company, Inc. All Rights Reserved This copy is for your personal, non-commercial use only. Distribution and use of this material are governed by our Subscriber Agreement and by copyright law. For non-personal use or to order multiple copies, please contact Dow Jones Reprints at 1-800-843-0008 or visit www.djreprints.com.