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Maria and John Sanchez have just completed their third annual set of financial statements. They met in a personal finance class at State University and still remember their instructor's advice regarding the importance of knowing their financial condition and progress. Even before they got married, they decided that each year on February 2 (Groundhog Day) they would update their income and expense statement and their balance sheet.
The following information is taken from their latest financial statements:
Describe adult learning principles and explain how these may be applied in designing a learning program and discuss changes to training packages and accredited courses and how
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