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3.19.4

“A Teenager’s Spending Plan”

Family Economics & Financial Education

Life Of…..

Mandy Gonzales

Get ready to Take Charge

of Your Finances

3.19.4

Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America Institute at The University of Arizona

Family Economics & Financial Education

Mandy Gonzales

It is Friday morning and Mandy is on her way to school. Mandy is a junior at Pueblo High School where she is on the

varsity cheer squad. Tonight is the big homecoming game. Mandy enjoys cheerleading because it helps her to stay in

shape and she enjoys spending time with all of the friends she has made.

At the end of every summer the cheerleading squad goes to a two week camp in California. The cost of the camp is $350

and this includes transportation, housing, and food. Mandy’s parents told her that she must pay for all the costs

associated with her extra-curricular activities. In order to pay for the expenses Mandy works three days a week, including

Saturdays, at the Tasty Freeze a few blocks from her house. Mandy also helps her family by baby– sitting for her sister,

Carmine. Carmine idealizes Mandy. She loves to watch Mandy participate in cheerleading and hopes one day she will

join the squad. The rest of Mandy’s week is reserved for school work, practices, and her church related activities.

Mandy attends St. Francis Catholic Church. She is a part of the church youth group and a member of their choir. This

Sunday, the church youth group is having a bake sale to earn money for the annual youth group weekend retreat.

Mandy’s step-mother Connie is providing the ingredients for rice krispies treats that Mandy must prepare and donate to

be sold. Mandy loves being a part of the church choir. She understands that gaining musical experience will help her to

achieve her goal of attending a local university to become a music teacher. The first big concert is Sunday night. Mandy

must spend $50 on a black knee length skirt, white collared button down shirt, black flats, and a red bow tie for her

concert attire.

Mandy lives with her father Roberto, her step-mother Connie, her three year old-step sister Carmine, brother Bobby,

and grandmother Lolita. In addition to working as a full time construction worker Roberto does side jobs mostly on the

weekends to help meet financial goals within his family. This week Roberto had to decide to not work two jobs so that

he can attend Mandy’s game on Friday and her church concert on Sunday night. He is very proud of his daughter and

feels that by going to her extra curricular events, he is showing her support. Connie is a stay at home mom and takes care

of Carmine. To help with the financial expenses, Connie does clothing alteration from the home.

Roberto and Connie want to turn their storage shed into a workshop for Roberto and Connie’s side jobs. However, this

has to be approved by Roberto’s mother, Lolita. Lolita is very generous to her family but does not like change. Lolita is

in her 70s and is having a slow recovery from surgery and needs help with daily activities. Lolita gave her car to Mandy

and Connie because she cannot drive anymore. Lolita pays for her own health insurance and Roberto and Connie pay

for all other expenses in exchange for Lolita allowing them to live in her home.

Mandy’s older brother dropped out of Pueblo High School earlier this year. He finds it hard to follow the rules of

conventional school. Eventually he wants to earn his GED. Bobby is currently working at a fast food restaurant. Bobby

does not get along with the family because he refuses to help with the household expenses within the household.

Roberto has given him one month to help before he intends on forcing Bobby to move out.

Directions: The following information is a Snapshot on Mandy and her family. Read all information carefully

to make wise decisions when creating a spending plan for the Gonzales family.

Snapshot

3.19.4

Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America Institute at The University of Arizona

Family Economics & Financial Education

Mandy’s Income

The goal is to create a spending plan that balances Mandy’s expenses with her income.

She cannot have more expenses than income.

Transportation

Mandy shares her grandmother’s car with her step mother Connie. The

cost of gas for the car is $100. Mandy and Connie share the car so they

each pay $50 in gas per month.

Cellular Phone

Mandy is on her family’s cell phone plan. This plan includes unlimited

text messaging . Mandy was charged fees one month for going over her

text messaging limit so she now has a more expensive plan. Her cell

phone costs $75 per month.

Other

On pages 8-9 there are many other items such as a makeup, clothing,

and entertainment options. All costs are identified in red. You may

choose as many of these items as Mandy can afford to purchase.

Saving

To continue participating in her extra curricular activities Mandy must

save for her cheerleading uniform and camp as well as her choir outfit.

To help reach this goal Mandy saves $100 per month.

Mandy’s Expenses

The expenses Mandy is responsible for are described below. When creating Mandy’s Spending Plan, be sure to

consider her values, needs and wants before selecting items.

Tasty Freeze

Mandy works after school and on the weekends at Tasty Freeze. She

earns $7.45 per hour and works sixteen hours a week.

Mandy enjoys being a part of cheerleading and the choir but finds it difficult to balance her job, school work, and

extra curricular activities. Mandy is not willing to give up her activities because they are helping to give her the

experience to achieve her long term goals such as attending the University of Arizona to be a music teacher.

However, Mandy understands that she must pay for all extra curricular activity expenses. She currently works

part-time at Tasty Freeze. Mandy enjoys the social aspect of working at Tasty Freeze and is a very good

employee.

Snapshot

3.19.4

Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America Institute at The University of Arizona

Family Economics & Financial Education

Housing

Roberto and Connie live in Lolita’s house which is older, but has been paid for.

Because Roberto is good at maintenance he does all of the work on his own. They

allocate $500 each month to spend on utilities, repairs, and other housing expenses

including television and cellular phones described on pages 5 and 6. They must

pay for the monthly utilities, but the other expenses are optional. When making

housing decisions for the family, remember $575 is the maximum amount for all

housing expenses.

Transportation

The Gonzales family has expenses for two cars. Roberto is making payments on a

truck which is ideal for his weekend work on his side jobs. Connie and Mandy are

paying for the gas of Lolita’s car. Connie pays $50 per month towards gas for

Lolita’s car. Their expenses are $400 per month for both vehicles.

Insurance

The Gonzales family pays $500 each month for insurance with limited coverage.

Their homeowner’s, disability, life and auto insurance costs for all vehicles are

included. Since Mandy took a drivers education course she receives a safe driver

discount as well as a good student discount on her insurance. The family receives

full health benefits from Roberto’s employer for a $225.00 deduction each month.

Food

Connie is very resourceful and stretches food dollars as far as she can. Mandy

often eats at Tasty Freeze on the days that she works there. The family does not

eat out often. Each month the Gonzales family allocates $600 for food.

Credit Card

Balance

A large portion of what Connie and Roberto make each month goes towards credit

card debt. They currently have $3,000 in credit card debt with a minimum

payment of $75 monthly. They try hard to pay $100 per month to help reduce

the balance faster. Currently, their credit history is in good standing because they

do not make late payments.

Mandy’s

Expenses

Mandy’s father and step-mother work together to ensure she has the basic

necessities such as clothing, toiletries and other personal items. They understand

that she works very hard at her part-time job yet want her to understand the

important of working hard therefore demands her to pay for her extra curricular

activity expenses.

Gonzales Family Expenses

Directions: The chart below describes the Gonzales’s major expenditures; housing, transportation, insurance

food, and credit card debt. Read each category below to determine how much is allocated for each expenditure.

A house and vehicle need to be selected for the family from the options on pages 5-7. The total amount allowed

for all housing and transportation expenses are described below and must not be exceeded when completing the

Gonzales family spending plan on pages 13-14.

Snapshot

3.19.4

Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America Institute at The University of Arizona

Family Economics & Financial Education

Directions: Choose one home for the Gonzales family. Consider the size of the family, age

of all family members and the family’s lifestyle. The

Utilities and Taxes

cost includes

heat, electricity, water, sewer and garbage. Refer to page 4 for the total amount allotted for

housing expenses ($575) and record the following housing others for the Gonzales family

on page 13 of the spending plan.

House A

This is 2110 sq. ft. house built in 1978 has 4

bedrooms, 3 bathrooms, and a den. A pool and

covered parking is also included. The house is

equipped with a dishwasher, stove, oven, and

central air along with the fireplace in the living

room.

 Utilities & Taxes: $246.62

 Repairs: $25.00

House B

A newer home built in 2003 is a single story 1287

sq. ft. 3 bedroom, 2 bathroom home. This

provides a two car covered car port and patio.

Along with the fireplace in the master bedroom it

also has a dishwasher, stove, oven, central air and

garbage disposal.

 Utilities & Taxes: $510.04

 Repairs: $15.00

House C

This 2102 sq. ft. 1962 home has 5 bedrooms and

2 bathrooms. It sits on a huge lot that is fenced

in. The patios are covered. This home has a

dishwasher, oven, stove, garbage disposal, and

central air.

 Utilities & Taxes: $325.59

 Repairs: $125.00

House D

This 1449 sq. ft. single story home has 5

bedrooms and 3 bathrooms. This home was built

in 1935. There is covered parking and additional

storage. The property is walking distance to

school and shopping centers.

 Utilities & Taxes: $270.36

 Repairs: $110.00

Housing

3.19.4

Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America Institute at The University of Arizona

Family Economics & Financial Education

Directions: The following options are for the Gonzales's home. Before making any

decisions, take into consideration how much free time the Gonzales’s have and the needs of

the family.

LOCAL ANTENNA

 Local reception with antenna booster: $0.00

Includes four local stations (ABC, CBS, NBC, PBS).

INTERNET

 dial-up access: $9.95

 Wireless access: $19.99

 DSL access: $36.99

TELEPHONE COMMUNICATION

 Incoming Basic package: $18.17

Unlimited local calls and $.05 long distance calls

 Incoming Standard Plan: $30.98

Unlimited local calls, $.05 long distance calls,

choice of three calling features such as caller id,

call waiting, and voice mail

 Cellular phone family plan 4 phones

sharing 2100 minutes: $149.99

DIGITAL CABLE

 Basic Package: $26.48

Includes basic (ABC, CBS, FOX, NBC, PBS) and expanded (CNN, DISC, ESPN, FAM, MTV,

TBS, TWC, WGN, etc.) channels.

 Expanded Package: $42.95

Includes basic and expanded channels featuring ESPN, Travel Channel, Discover

Channel, Cartoon network plus many others

 Additional add on for $2.50 each

Paquete Latino spanish language programming, movie tier, variety tier, and sports tier.

ADDITIONAL ADD ONS

 Additonal add ons for $2.50 each to the digital cable packages.

Paquete Latino spanish language programming, movie tier including stations such as Encore!,

varitey tier including channels like Hallmark and Oxygen, and sports tier.

Housing Others

3.19.4

Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America Institute at The University of Arizona

Family Economics & Financial Education

Directions: Choose one vehicle for Roberto. Record the costs on page 14. The

Monthly

Payment

includes the car payment , fuel, and maintenance costs. Remember, the Gonzales

family has allocated $400 each month for their vehicles. Choose one of the options described

below and record on the spending plan on page 16.

1986 Ford Bronco

 Monthly Payment: $85.00

 Fuel Costs: $60.00

1999 Ford Explorer

 Monthly Payment: $225.00

 Fuel Costs: $96.00

2002 Hyundai Elantra

 Monthly Payment: $200.00

 Fuel Costs: $40.00

2004 Hyundai Elantra

 Monthly Payment: $200.00

 Fuel Costs: $50.00

1998 Dodge Ram

 Monthly Payment: $225.00

 Fuel Costs: $100.00

Lolita’s Car

 Monthly Payment: PAID

 Fuel Costs: $100.00

Transportation

3.19.4

Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America Institute at The University of Arizona

Family Economics & Financial Education

PERSONAL ITEMS

MUSIC

 Concert Ticket: $40.00

Favorite performer in a near by city

 New released movie: $15.00

See a movie at the local theatre plus popcorn!

 Dining Out: $20.00

Dinner out with a friend.

 Makeup: $50.00

Allergy tested 100% fragrance free makeup. Helps skin keep looking young

and healthy.

 Voice Lessons: $20.00/1 hour lesson

Learn from the professionals the tools that are needed to advance to the

next level of vocal performance

 Clothing: $45.00

This will buy one new shirt

and one new pair of pants

 Shirt only: $15.00

 Pants only $25.00

 Hair care products $50.00

Durable curling iron and blow

dryer to help style any type of

hair.

 Movie Rentals: $7.00

2 rentals at the local video store

 Ice cream: $3.25

Ice cream with friends on a hot summer night!

 iTunes: $0.99

Download the greatest hits for 99¢ each.

ENTERTAINMENT

 Rent a Flute: $100.00/1 year

 Rent a Clarinet $100.00/ 1 year

 Magazine Subscription: $20.00/1 year

Catch up on the latest fashion ideas, gossip, and entertainment

Others

Directions: The following “other” items are available for Mandy to purchase. You may

choose any items described below. Each cost listed in red is a monthly expense that must

be recorded on page 16 of Mandy’s spending plan.

3.19.4

Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America Institute at The University of Arizona

Family Economics & Financial Education

CREATE YOUR OWN

Draw a picture and list the cost of other items that Mandy would like to have in the space provided.

 Cheerleading Practice Shorts: $22.00

Excellent for perfecting

your cheering skills

 Cheerleading shoes: $75.00

Shoes to give ultimate

support while on the

sidelines

 Bicycle: $250.00

Save on gas on those nice days

 Picnic Lunch: $30.00

Lunch on the beach with 3

friends

 Hair Ties: $2.00/Ribbon

The perfect way to keep your hair tied

back during a game

 Donation: $10.00

Donation to her favorite charity.

Mega Phone: $30.00

 Helps save the voice of a cheerleader and

helps to get the crowd excited at a big

game!

 Cannon PowerShot A520 Digital Camera: $119.95

4 Megapixels, 4x optical zoom with a 1.8 inch

LCD screen size.

MISCELLANEOUS

Others

CHEERLEADING

Family Economics & Financial Education

Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America Institute at The University of Arizona

3.19.4

Directions: Pages 10-17 include reflection questions and spending plan worksheets. Read each question carefully

and respond with a short answer or insert the correct dollar amount. Each line is worth 1 point if not otherwise

indicated in parenthesis.

1. Describe how singing in the church choir helps Mandy reach her career goal. (1 point)

2. How would Mandy and her family be impacted if she did not share a car with Connie? (1 point)

3. The Gonzales family values spending time with each other. How does this impact their spending plan?

(1 point)

4. What impact does Connie and Roberto’s side jobs have on the family? (1 point)

5. Describe how Mandy is active within her community. (1 point)

106 Points Possible

Points Earned

Percentage

Name

_____________________

Date

_____________________

Class

_____________________

Snapshot Reflection

Family Economics & Financial Education

Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America Institute at The University of Arizona

3.19.4

6. What is Mandy’s net pay? How is this determined? (1point)

7. What three deductions are added together to determine Mandy’s monthly payroll withholdings? (3

points)

Directions: Read the paycheck below and answer questions 6 and 7 in the spaces provided.

Tasty Freeze

Authorized Signature

Tasty Freeze

5555 1st avenue

This City, USA 87654

1234

Date

March 5, 2007

Memo

National Bank

5832 Main Street

Any City, USA 98765-4321

Dollars

$ 390.48

Mandy Gonzales

Pay To The

Order Of:

Three-Hundred, ninety and 48/100

0123456789 : 0987654321 : 1234

February Paycheck

Tasty Freeze

Pay Period 2/1/2007-2/29/2007

Employee

Mandy Gonzales

SSN

999-88-4444

Check #

1234

Check Amount

$390.48

Employee Address

5555 1st Avenue

This City, USA 87654

Hourly Rate

Number of

Hours

Gross Pay Year-to-date

Gross Pay

Deductions Current Year-to-date

$7.45/hour

64 hours

$476.80 $953.60

Federal Withholding

State Withholding

FICA

$42.44

$14.30

$29.58

$84.88

$28.60

$59.16

Totals $86.32 $172.64

Mandy’s Paycheck

Family Economics & Financial Education

Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America Institute at The University of Arizona

3.19.4

SMART Goal

Specific

State exactly

what you would

like to do.

Measurable

Include how the

success of the

goal can be

measured.

Attainable

Determine how

the goal can be

reached.

Realistic

Do not set the

goal for

something

unattainable or

unrealistic.

Time Bound

Specifically state

when the goal

needs to be

reached.

Directions: After reading Mandy’s Snapshot on pages 2-4 and reviewing the items Mandy can

purchase on pages 8 and 9, answer the following questions. Remember to include the 5 elements of

goal setting described below when setting education and financial goals.

9. Write one long-term goal for Mandy. (reached in a time period more than one year) (5 points)

8. Write one short-term goal for Mandy. (reached in a time period less than one year) (5 points)

10. Why is it beneficial to set education and financial goals? (1 point)

Setting Goals

Family Economics & Financial Education

Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America Institute at The University of Arizona

3.19.4

Directions: Refer to pages 5 and 6 to determine the housing options for the Gonzales family.

Record all expenses on the lines below and answer questions 11-13 in the spaces provided.

Expenses—Housing

12. What is the letter of the house that you chose? Why did you choose this home? (2 points)

11. How much money has the Gonzales family allocated for their total housing expenses? (1 point)

• HOUSING

From the options on page 5, choose a home for the

Gonzales family and record the Utilities & Taxes on line

A, the repairs on line B and Housing Total on line C.

Utilities& Taxes:

Repair Costs :

HOUSING TOTAL:

(A + B = C)

13. How did you determine which Housing Others the Gonzales family should have? (1 point)

• TOTAL HOUSING COST

Add the Housing Total and Housing Others Total

from above to determine the Gonzales Total Housing

Cost and write on line L. Ensure is it less than or equal

to the allocated amount described on page 4.

Housing Total:

Housing Others Total :

TOTAL HOUSING COST:

(J+K = L)

• HOUSING OTHERS

After reading the other housing expenses on page

6, determine which the Gonzales family will

have. List which options were chosen on the line

before each expenditure. Record the monthly

expense of each desired item on lines D-H and

calculate the subtotal on line I.

Antenna:

__________________ Add Ons:

__________________Telephone:

_______________Digital Cable:

__________________Internet:

HOUSING OTHERS TOTAL:

Gonzales’s Major Expenditures

Family Economics & Financial Education

Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America Institute at The University of Arizona

3.19.4

Directions: After reviewing the transportation options on page 7, choose one vehicle for Mandy

and her mom. Answer questions 14-16 in the spaces provided.

Gonzales Family Major Expenditures Summary

• MAJOR EXPENDITURES

Refer to the Gonzales family snapshot on

page 4, selections made on page 13 and

those listed above to complete the major

expenditures summary. All expenses are

listed on lines Q thru U with the total on

line V.

Expenses—Transportation

16. What is the letter of the vehicle you chose? Why did you choose this vehicle? (2 points)

15. How are transportation needs within the family impacted by Mandy and Connie sharing a car? (1

point)

14. How much money has the Gonzales family allocated for their total transportation expense? (1 point)

Monthly Payment :

Roberto Fuel:

Connie Fuel

TRANSPORTATION TOTAL:

(M + N + O = P)

• TRANSPORTATION

Refer to page 7 and decide what car

Roberto will drive. Record the expenses on

line M and N, record the fuel costs for

Connie on line O. Total the transportation

costs on line P and ensure it is less than or

equal to the allocated amount on page 4.

Total Housing Cost:

Total Transportation Cost:

Insurance:

Food:

Credit Card Balance:

MAJOR EXPENDITURES TOTAL:

(Q + R + S+ T+ U = V)

Gonzales’s Major Expendiures

Family Economics & Financial Education

Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America Institute at The University of Arizona

3.19.4

17. What services do you receive from paying taxes? (1 point)

Directions: Identify Mandy’s payroll withholdings and amount to save and write on the lines

below. Answer questions 17-19 by writing a short answer in the spaces provided.

Expenses—Payroll Withholdings

State Withholding Tax:

Federal Withholding Tax:

FICA:

PAYROLL WITHHOLDINGS TOTAL:

(W+ X+ Y = Z)

• PAYROLL WITHHOLDINGS

-Review Mandy’s paycheck on page 11 to determine

her payroll withholdings and write each on lines W-X.

Total the payroll withholdings and write on line Z.

18. Did you decide to save more money than described in the snapshot? Why or why not? (2 points)

• SAVINGS

Carefully review the Snapshot on pages 2-4 and short-

term and long-term goals set on page 12 to determine

how much money Mandy will save each month. Write

this amount on line AA.

SAVINGS TOTAL:

AA.

Expenses—Savings

19. Other than paying for cheerleading camp and choir, what could Mandy save money for? (1 point)

Mandy’s Spending Plan

Family Economics & Financial Education

Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America Institute at The University of Arizona

3.19.4

21. If Mandy did not want to share a vehicle with her step-mother and could not afford to purchase her

own, what other options does he have to get to school and work? How much should she include in

20. Was Mandy able to afford all items she wanted? Why or why not? (1 point)

Expenses—Others

• OTHERS

After selecting the other items

Mandy would like, record the name

of the item on the line before the

category title and the costs on lines

BB-II. Add all lines and record the

total on line JJ.

Transportation Fuel:

Cellular Phone:

_______________________Personal Items:

________________________Entertainment:

______________________________Music:

_________________________Cheerleading:

________________________Miscellaneous:

_____________________Create Your Own:

OTHERS TOTAL:

(BB + CC + DD + EE + FF + GG + GG + II = JJ)

BB.

CC.

DD.

EE.

FF.

GG.

HH.

II.

Directions: After reviewing the Snapshot on pages 2-4 and all other items on pages 8 and 9, choose

which items Mandy would like and record below on lines AA-HH.

22. How could Mandy save money on her extra curricular activities? (1 point)

Mandy’s Spending Plan

Family Economics & Financial Education

Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America Institute at The University of Arizona

3.19.4

Directions: Transfer the total cost of all items listed on Mandy’s spending plan on pages 15-16 to

complete the Spending Plan Summary below. Once all income and expenses are recorded,

calculate the difference to determine if Mandy’s spending plan is balanced.

INCOME

• GROSS INCOME

Review Mandy’s Snapshot on pages 2-4 and her

paycheck on page 11 to determine her gross income and

record on line KK.

GROSS INCOME TOTAL:

KK.

• GROSS INCOME - TOTAL EXPENSES

To determine if Mandy has enough income to pay for her

expenses, subtract her Expenses Total from her Gross

Income Total.

If the difference is a negative number, go back and adjust

Mandy’s expenses. The amount on line RR needs to equal

zero to have a balanced spending plan.

Gross Income Total:

Expenses Total :

DIFFERENCE:

(PP — QQ = RR)

PP.

QQ.

RR.

Difference

EXPENSES

• MANDY’S TOTAL EXPENSES

Review Mandy’s Snapshot on pages 2-4, her paycheck

on page 11, her savings which were determined on page

13, and the other items recorded on page 16 to

determine her total expenses. Record each item on lines

LL-NN to the right and total on line OO.

Payroll Withholdings:

Savings:

Others:

EXPENSES TOTAL:

(LL + MM + NN = OO)

LL.

MM.

NN.

OO.

Mandy’s Spending Plan Summary

Family Economics & Financial Education

Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences Take Charge America Institute at The University of Arizona

3.19.4

26. What impact does the Gonzales’ credit card debit have on their spending plan? (5 points)

24. Describe the benefits of creating a spending plan. (5 points)

23. Was it difficult to equal zero? Why or why not? (6 points)

Directions: Answer questions 23-27 in the spaces provided to reflect on the Life of Mandy

spending plan simulation.

27. If Bobby were to move out of the house what impact would this have on the family? (5 points)

25. How will Mandy’s financial goals change once she attends college? (5 points)

Snapshot Reflection

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