commercial trade area report · 2020. 5. 8. · 45% of housing units are single-family dwellings;...

Corey Foy REALTOR® G|R|I

COMMERCIAL TRADE AREA REPORT

Schertz, TX 78154

P |r |e |s |e |n |t |e |d | |b |y

M|o|b|i |l |e|: | |( |210|) | |722|- |8232 | F|a|x |: | |( |866|) | |312|- |4340

Noble Group Realty205 | |S | |M |a |i |n | |S |tC|i |b |o |l |o, |T |X | |78108

Copyright 2020 Realtors Property Resource® LLC. All Rights Reserved. Information is not guaranteed. Equal Housing Opportunity.

5/8/2020

Criteria Used for AnalysisIncome:Median Household Income

Age:Median Age

Population Stats:Total Population

Segmentation:1st Dominant Segment

$78,235 37.3 40,404 Soccer Moms

Consumer SegmentationLife Mode UrbanizationWhat are thepeople like thatlive in this area?

Family LandscapesSuccessful younger families in newerhousing

Where do peoplelike this usuallylive?

Suburban PeripheryAffluence in the suburbs, married couple-families, longercommutes

Top TapestrySegments Soccer Moms

Up and ComingFamilies Down the Road

Old andNewcomers Professional Pride

% of Households 4,961 (33.8%) 4,761 (32.4%) 1,382 (9.4%) 1,095 (7.5%) 626 (4.3%)

% of Guadalupe County 5,562 (9.5%) 12,717 (21.8%) 2,362 (4.1%) 1,095 (1.9%) 1,098 (1.9%)

Lifestyle Group Family Landscapes Ethnic Enclaves Rustic Outposts Middle Ground Affluent Estates

Urbanization Group Suburban Periphery Suburban Periphery Semirural Metro Cities Suburban Periphery

Residence Type Single Family Single Family Mobile Homes Multi-Units; SingleFamily

Single Family

Household Type Married Couples Married Couples Married Couples Singles Married Couples

Average Household Size 2.96 3.1 2.74 2.11 3.11

Median Age 36.6 30.7 34.3 38.5 40.5

Diversity Index 48.3 72.4 70.5 50.1 41.2

Median Household Income $84,000 $64,000 $36,000 $39,000 $127,000

Median Net Worth $252,000 $96,000 $30,000 $23,000 $540,000

Median Home Value $226,000 $174,000 $104,000 – $387,000

Homeownership 85.5 % 74.1 % 66.4 % 46.4 % 92 %

Average Monthly Rent – – – $850 –

Employment Professional orManagement

Professional orServices

Services orAdministration

Professional orServices

Professional orManagement

Education College Degree College Degree High School Graduate College Degree College Degree

Preferred Activities Go jogging, biking,target shooting . Visittheme parks, zoos.

Visit theme parks, zoos. Contract for homeand landscapingservices.

Visit chat rooms; playgames online . Gohunting, fishing.

Buy frozen,convenience foods. Supportenvironmentalorganizations.

Own latest tablets,smartphones andlaptops . Upgradepicture-perfect homes.

Financial Carry high level ofdebt

Hold student loans,mortgages

Prefer convenience offrozen meals, fast food

Bank online or inperson

Hold 401(k) and IRAplans/securities

Media Shop, bank online Go online to shop,bank, forentertainment

Watch Animal Planeton satellite TV

Watch movies at home Read epicurean,sports, home servicemagazines

Vehicle Own 2+ vehicles(minivans, SUVs)

Own late-modelcompact car, SUV

Bought used vehiclelast year

View car astransportation only

Own 2-3 vehicles

Schertz, TX 78154

Copyright 2020 Realtors Property Resource® LLC. All Rights Reserved. Information is not guaranteed. Equal Housing Opportunity. 5/8/2020

Who We AreSoccer Moms is an affluent, family-oriented market with a country flavor.Residents are partial to new housingaway from the bustle of the city but closeenough to commute to professional jobcenters. Life in this suburban wildernessoffsets the hectic pace of two workingparents with growing children. They favortime-saving devices, like banking online orhousekeeping services, and family-oriented pursuits.

Our NeighborhoodSoccer Moms residents prefer the suburbanperiphery of metropolitan areas.Predominantly single family, homes are innewer neighborhoods, 36% built in the 1990s,31% built since 2000.Owner-occupied homes have high rate ofmortgages at 74%, and low rate vacancy at5%.Median home value is $226,000.Most households are married couples withchildren; average household size is 2.96.Most households have 2 or 3 vehicles; longtravel time to work including a disproportionatenumber commuting from a different county

Socioeconomic TraitsEducation: 37.7% college graduates; morethan 70% with some college education.Low unemployment at 5.9%; high labor forceparticipation rate at 72%; 2 out of 3households include 2+ workers.Connected, with a host of wireless devices fromiPods to tablets--anything that enablesconvenience, like banking, paying bills or evenshopping online.Well insured and invested in a range of funds,from savings accounts or bonds to stocks.Carry a higher level of debt, including first andsecond mortgages and auto loans

Market ProfileMost households own at least two vehicles; themost popular types are minivans and SUVs.Family-oriented purchases and activitiesdominate, like 4+ televisions, movie purchasesor rentals, children's apparel and toys, andvisits to theme parks or zoos.Outdoor activities and sports are characteristicof life in the suburban periphery, like bicycling,jogging, golfing, boating, and target shooting.Home maintenance services are frequentlycontracted, but these families also like theirgardens and own the tools for minor upkeep,like riding mowers and tillers.

An overview of who makes up this segment across the United States

The demographic segmentation shown here can help you understand the lifestyles and life stages of consumers in a market. Data provider Esri classifiesU.S. residential neighborhoods into 67 unique market segments based on socioeconomic and demographic characteristics. Data Source: Esri 2019. UpdateFrequency: Annually.

This is the

#1dominant segmentfor this area

In this area

33.8%of households fallinto this segment

In the United States


About this segment

Soccer Moms

Schertz, TX 78154


Who We AreUp and Coming Families is a market intransition--residents are younger andmore mobile and ethnically diverse thanthe previous generation. They areambitious, working hard to get ahead, andwilling to take some risks to achieve theirgoals. The recession has impacted theirfinancial well-being, but they areoptimistic. Their homes are new; theirfamilies are young. And this is one of thefastest-growing markets in the country.

Our NeighborhoodNew suburban periphery: new families in newhousing subdivisions.Building began in the housing boom of the2000s and continues in this fast-growingmarket.Single-family homes with a median value of$174,000 and a lower vacancy rate.The price of affordable housing: longercommute times.

Socioeconomic TraitsEducation: 66% have some college educationor degree(s).Hard-working labor force with a participationrate of 71% and low unemployment at 7%.Most households (63%) have two or moreworkers.Careful shoppers, aware of prices, willing toshop around for the best deals and open toinfluence by others' opinions.Seek the latest and best in technology.Young families still feathering the nest andestablishing their style.

Market ProfileRely on the Internet for entertainment,information, shopping and banking.Prefer imported SUVs or compact cars, latemodels.Carry debt from credit card balances to studentloans and mortgages, but also maintainretirement plans and make charitablecontributions.Busy with work and family; use home andlandscaping services to save time.Find leisure in family activities, movies athome, trips to theme parks or the zoo, andsports, from backpacking and baseball toweight lifting and yoga.



This is the


In this area




About this segment

Up and Coming Families

Schertz, TX 78154


Who We AreDown the Road is a mix of low-density,semi-rural neighborhoods in largemetropolitan areas; half are located in theSouth, with the rest chiefly in the West andMidwest. Almost half of householders livein mobile homes; approximately two-fifthslive in single-family homes. These areyounger, diverse communities, with thehighest proportion of American Indians ofany segment. These family-orientedconsumers value their traditions. Workersare in service, retail trade, manufacturingand construction industries, with higherproportions in agriculture and mining,compared to the U.S. in general. Thismarket has higher unemployment, muchlower median household income andhome value, and a fifth of households withincome below poverty level.

Our NeighborhoodTwo-thirds of households are owned.Family market, primarily married couples orsingle-parent households.Close to half of all households live in mobilehomes.Four-fifths of households were built in 1970 orlater.About 18% of owned homes are valued under$50,000 (more than three times the U.S.percentage).

Socioeconomic TraitsEducation completed: 37% with a high schooldiploma only, 38% with some collegeeducation or a degree.Unemployment rate is 11.6%, higher than theU.S. rate.Labor force participation rate is 59.6%, slightlylower than the U.S.Family-oriented, outgoing consumers; theyplace importance on preserving time-honoredcustoms.They put a premium on convenience ratherthan health and nutrition.

Market ProfilePurchased a used vehicle in the past year,likely maintaining the vehicle themselves.Routinely stop by the convenience store topurchase a lottery ticket.Participate in fishing and hunting.Visit chat rooms and play games online.Listen to the radio, especially at work, with apreference for rap, R&B and hip-hop music.Enjoy programs on Animal Planet, typicallywatching via satellite dish.Often prepare quick meals, using packaged orfrozen dinner entrees.Favorite fast food: pizza.Frequent Walmart for all their shopping needs(groceries, clothing, pharmacy, etc.).



This is the


In this area




About this segment

Down the Road

Schertz, TX 78154


Who We AreThe Old and Newcomers market featuressingles' lifestyles, on a budget. The focusis more on convenience thanconsumerism, economy over acquisition.Old and Newcomers is composed ofneighborhoods in transition, populated byrenters who are just beginning theircareers or retiring. Some are still incollege; some are taking adult educationclasses. They support environmentalcauses and Starbucks. Age is not alwaysobvious from their choices.

Our NeighborhoodMetropolitan city dwellers.Predominantly single households, with a mixof married couples (no children); averagehousehold size lower at 2.11.54% renter occupied; average rent, $800.45% of housing units are single-familydwellings; 44% are multi-unit buildings inolder neighborhoods, built before 1980.Average vacancy rate at 11%.

Socioeconomic TraitsUnemployment is lower at 7.8%, with anaverage labor force participation rate of62.6%, despite the increasing number ofretired workers.30% of households are currently receivingSocial Security.28% have a college degree, 33% have somecollege education, 10% are still enrolled incollege.Consumers are price aware and couponclippers, but open to impulse buys.They are attentive to environmental concerns.They are more comfortable with the latesttechnology than buying a car.

Market ProfileResidents are strong supporters ofenvironmental organizations.They prefer cell phones to landlines.Entertainment features the Internet (datingsites and games), movies at home, countrymusic and newspapers.Vehicles are basically just a means oftransportation.Food features convenience, frozen and fastfood.They do banking as likely in person as online.



This is the


In this area




About this segment

Old and Newcomers

Schertz, TX 78154


Who We AreProfessional Pride consumers are well-educated career professionals who haveprospered through the Great Recession.To maintain their upscale suburbanlifestyles, these goal-oriented coupleswork, often commuting far and workinglong hours. However, their schedules arefine-tuned to meet the needs of theirschool-age children. They are financiallysavvy; they invest wisely and benefit frominterest and dividend income. So far,these established families haveaccumulated an average of $1.5 million innet worth, and their annual householdincome runs at more than twice the U.S.average. They take pride in their newerhomes and spend valuable time andenergy upgrading. Their homes arefurnished with the latest in home trends,including finished basements equippedwith home gyms and in-home theaters.

Our NeighborhoodTypically owner-occupied, single-family homesare in newer neighborhoods: 59% of units werebuilt in the last 20 years.Neighborhoods are primarily located in thesuburban periphery of large metropolitanareas.Most households own two or three vehicles;long commutes are the norm.Homes are valued at more than twice the U.S.median home value, although three out of fourhomeowners have mortgages to pay off.Families are mostly married couples (almost80% of households), and more than half ofthese families have kids. Their averagehousehold size, 3.11, reflects the presence ofchildren.

Socioeconomic TraitsProfessional Pride consumers are highlyqualified in the science, technology, law orfinance fields; they've worked hard to buildtheir professional reputation or their start-upbusinesses.These consumers are willing to risk theiraccumulated wealth in the stock market.They have a preferred financial institution,regularly read financial news, and use theInternet for banking transactions.These residents are goal oriented and strive forlifelong earning and learning.Life here is well organized; routine is a keyingredient to daily life.

Market ProfileThese frequent travelers take several domestictrips a year, preferring to book their planetickets, accommodations and rental cars via theInternet.Residents take pride in their picture-perfecthomes, which they continually upgrade. Theyshop at Home Depot and Bed Bath & Beyondto tackle the smaller home improvement andremodeling tasks but contract out the largerprojects.To keep up with their busy households, theyhire housekeepers or professional cleaners.Residents are prepared for the ups and downsin life; they maintain life insurance;homeowners and auto insurance; as well asmedical, vision, dental, and prescriptioninsurance through work. They are activelyinvesting for the future; they hold 401(k) andIRA retirement plans, plus securities.Consumers spend on credit but have thedisposable income to avoid a balance on theircredit cards. They spend heavily on Internetshopping; Amazon.com is a favorite website.Consumers find time in their busy schedules forthemselves. They work out in their home gyms,owning at least a treadmill, an elliptical orweightlifting equipment. They also visit thesalon and spa regularly.All family members are avid readers; they readon their smartphones, tablets and e-readers butalso read hard copies of epicurean, homeservice and sports magazines.Residents, both young and old, are tech savvy;they not only own the latest and greatest intablets, smartphones and laptops but actuallyuse the features each has to offer.



This is the


In this area




About this segment

Professional Pride

Schertz, TX 78154


20192024 (Projected)

Total PopulationThis chart shows the total population inan area, compared with othergeographies.Data Source: U.S. Census AmericanCommunity Survey via Esri, 2019Update Frequency: Annually


Population DensityThis chart shows the number of peopleper square mile in an area, comparedwith other geographies.Data Source: U.S. Census AmericanCommunity Survey via Esri, 2019Update Frequency: Annually


Population Change Since 2010This chart shows the percentage changein area's population from 2010 to 2019,compared with other geographies.Data Source: U.S. Census AmericanCommunity Survey via Esri, 2019Update Frequency: Annually

78154

Total Daytime PopulationThis chart shows the number of peoplewho are present in an area during normalbusiness hours, including workers, andcompares that population to othergeographies. Daytime population is incontrast to the "resident" populationpresent during evening and nighttimehours.Data Source: U.S. Census AmericanCommunity Survey via Esri, 2019Update Frequency: Annually

Schertz, TX 78154: Population Comparison78154

78154

78154

78154

Schertz, TX 78154


78154

Daytime Population DensityThis chart shows the number people whoare present in an area during normalbusiness hours, including workers, persquare mile in an area, compared withother geographies. Daytime population isin contrast to the "resident" populationpresent during evening and nighttimehours.Data Source: U.S. Census AmericanCommunity Survey via Esri, 2019Update Frequency: Annually


Average Household SizeThis chart shows the average householdsize in an area, compared with othergeographies.Data Source: U.S. Census AmericanCommunity Survey via Esri, 2019Update Frequency: Annually


Population Living in FamilyHouseholdsThis chart shows the percentage of anarea’s population that lives in ahousehold with one or more individualsrelated by birth, marriage or adoption,compared with other geographies.Data Source: U.S. Census AmericanCommunity Survey via Esri, 2019Update Frequency: Annually

Women 2019Men 2019Women 2024 (Projected)Men 2024 (Projected)

Female / Male RatioThis chart shows the ratio of females tomales in an area, compared with othergeographies.Data Source: U.S. Census AmericanCommunity Survey via Esri, 2019Update Frequency: Annually

78154

78154

78154

78154

Schertz, TX 78154



Median AgeThis chart shows the median age in anarea, compared with other geographies.Data Source: U.S. Census AmericanCommunity Survey via Esri, 2019Update Frequency: Annually


Population by AgeThis chart breaks down the population ofan area by age group.Data Source: U.S. Census AmericanCommunity Survey via Esri, 2019Update Frequency: Annually

Schertz, TX 78154: Age Comparison78154

Schertz, TX 78154


MarriedUnmarried

Married / Unmarried AdultsRatioThis chart shows the ratio of married tounmarried adults in an area, comparedwith other geographies.Data Source: U.S. Census AmericanCommunity Survey via Esri, 2019Update Frequency: Annually

MarriedThis chart shows the number of people inan area who are married, compared withother geographies.Data Source: U.S. Census AmericanCommunity Survey via Esri, 2019Update Frequency: Annually

Never MarriedThis chart shows the number of people inan area who have never been married,compared with other geographies.Data Source: U.S. Census AmericanCommunity Survey via Esri, 2019Update Frequency: Annually

WidowedThis chart shows the number of people inan area who are widowed, comparedwith other geographies.Data Source: U.S. Census AmericanCommunity Survey via Esri, 2019Update Frequency: Annually

DivorcedThis chart shows the number of people inan area who are divorced, compared withother geographies.Data Source: U.S. Census AmericanCommunity Survey via Esri, 2019Update Frequency: Annually

Schertz, TX 78154: Marital Status Comparison78154

78154

78154

78154

78154

Schertz, TX 78154



Average Household IncomeThis chart shows the average householdincome in an area, compared with othergeographies.Data Source: U.S. Census AmericanCommunity Survey via Esri, 2019Update Frequency: Annually


Median Household IncomeThis chart shows the median householdincome in an area, compared with othergeographies.Data Source: U.S. Census AmericanCommunity Survey via Esri, 2019Update Frequency: Annually


Per Capita IncomeThis chart shows per capita income in anarea, compared with other geographies.Data Source: U.S. Census AmericanCommunity Survey via Esri, 2019Update Frequency: Annually

Average Disposable IncomeThis chart shows the average disposableincome in an area, compared with othergeographies.Data Source: U.S. Census AmericanCommunity Survey via Esri, 2019Update Frequency: Annually

Schertz, TX 78154: Economic Comparison78154

78154

78154

78154

Schertz, TX 78154


SchertzGuadalupe CountyTexasUSA

Unemployment RateThis chart shows the unemploymenttrend in an area, compared with othergeographies.Data Source: Bureau of Labor Statisticsvia 3DLUpdate Frequency: Monthly

Employment Count byIndustryThis chart shows industries in an areaand the number of people employed ineach category.Data Source: Bureau of Labor Statisticsvia Esri, 2019Update Frequency: Annually

Schertz, TX 78154


Less than 9th GradeThis chart shows the percentage ofpeople in an area who have less than aninth grade education, compared withother geographies.Data Source: U.S. Census AmericanCommunity Survey via Esri, 2019Update Frequency: Annually

Some High SchoolThis chart shows the percentage ofpeople in an area whose highesteducational achievement is some highschool, without graduating or passing ahigh school GED test, compared withother geographies.Data Source: U.S. Census AmericanCommunity Survey via Esri, 2019Update Frequency: Annually

High School GEDThis chart shows the percentage ofpeople in an area whose highesteducational achievement is passing ahigh school GED test, compared withother geographies.Data Source: U.S. Census AmericanCommunity Survey via Esri, 2019Update Frequency: Annually

High School GraduateThis chart shows the percentage ofpeople in an area whose highesteducational achievement is high school,compared with other geographies.Data Source: U.S. Census AmericanCommunity Survey via Esri, 2019Update Frequency: Annually

Some CollegeThis chart shows the percentage ofpeople in an area whose highesteducational achievement is somecollege, without receiving a degree,compared with other geographies.Data Source: U.S. Census AmericanCommunity Survey via Esri, 2019Update Frequency: Annually

Schertz, TX 78154: Education Comparison78154

78154

78154

78154

78154

Schertz, TX 78154


Associate DegreeThis chart shows the percentage ofpeople in an area whose highesteducational achievement is an associatedegree, compared with othergeographies.Data Source: U.S. Census AmericanCommunity Survey via Esri, 2019Update Frequency: Annually

Bachelor's DegreeThis chart shows the percentage ofpeople in an area whose highesteducational achievement is a bachelor'sdegree, compared with othergeographies.Data Source: U.S. Census AmericanCommunity Survey via Esri, 2019Update Frequency: Annually

Grad/Professional DegreeThis chart shows the percentage ofpeople in an area whose highesteducational achievement is a graduateor professional degree, compared withother geographies.Data Source: U.S. Census AmericanCommunity Survey via Esri, 2019Update Frequency: Annually

78154

78154

78154

Schertz, TX 78154


78154

Average Commute TimeThis chart shows average commute timesto work, in minutes, by percentage of anarea's population.Data Source: U.S. Census AmericanCommunity Survey via Esri, 2019Update Frequency: Annually

78154

How People Get to WorkThis chart shows the types oftransportation that residents of the areayou searched use for their commute, bypercentage of an area's population.Data Source: U.S. Census AmericanCommunity Survey via Esri, 2019Update Frequency: Annually

Schertz, TX 78154: Commute Comparison

Schertz, TX 78154


Median Estimated Home ValueThis chart displays property estimates foran area and a subject property, whereone has been selected. Estimated homevalues are generated by a valuationmodel and are not formal appraisals.Data Source: Valuation calculationsbased on public records and MLS sourceswhere licensedUpdate Frequency: Monthly

12-Month Change in MedianEstimated Home ValueThis chart shows the 12-month change inthe estimated value of all homes in thisarea, the county and the state. Estimatedhome values are generated by avaluation model and are not formalappraisals.Data Source: Valuation calculationsbased on public records and MLS sourceswhere licensedUpdate Frequency: Monthly

Median Listing PriceThis chart displays the median listingprice for homes in this area, the countyand the state.Data Source: On- and off-market listingssourcesUpdate Frequency: Monthly

12-Month Change in MedianListing PriceThis chart displays the 12-month changein the median listing price of homes inthis area, and compares it to the countyand state.Data Source: On- and off-market listingssourcesUpdate Frequency: Monthly

Schertz, TX 78154: Home Value Comparison

Schertz, TX 78154


Best Retail Businesses: Schertz, TX 78154

= Formatting.FormatValue(chartDefinition.ChartDescription)Data Source: Retail Marketplace via Esri, 2017Update Frequency: Annually

Schertz, TX 78154


Daily Traffic Counts: Over 100,000 / day50,001 – 100,00030,001 – 50,00015,001 – 30,0006,001 – 15,000Up 6,000 / day

117,3992018 Est. dailytraffic counts

Street: I- 35Cross: Access RdCross Dir: SWDist: 0.02 miles

H|i |s |t |o |r |i |c |a |l | |c |o |u |n |t |sYear Count Type

2013 159,373 AADT

2011 184,000 AADT

2010 159,000 AADT

2008 139,000 AADT

2004 121,000 AADT


Street: I- 35 NCross: –Cross Dir: –Dist: –


2013 121,416 AADT

2011 123,000 AADT

2010 113,000 AADT

2008 98,000 AADT

2004 83,000 AADT


Street: I- 35Cross: Journeys WayCross Dir: NEDist: 0.2 miles


2004 105,000 AADT

2002 108,000 AADT

1994 70,000 AADT


Street: I- 35Cross: Arcadia DrCross Dir: NWDist: 0.01 miles



Street: John E Peterson BlvdCross: LeeCross Dir: NEDist: 0.12 miles


Traffic Counts

N|O|T|E|: | |D|a|i |l |y | |T|ra|f f i |c | |C|o|u|n|t |s |a|re| |a| |m|i |x |t |u|re| |o|f |a|c |t |u|a|l | |a|n|d| |E|st |i |m|a|t |e|s |( |* |)

Schertz, TX 78154


About RPR (Realtors Property Resource)

Realtors Property Resource® is a wholly owned subsidiary of the NationalAssociation REALTORS®.RPR offers comprehensive data – including a nationwide database of 164 millionproperties – as well as powerful analytics and dynamic reports exclusively formembers of the NAR.RPR's focus is giving residential and commercial real estate practitioners,brokers, and MLS and Association staff the tools they need to serve their clients.This report has been provided to you by a member of the NAR.

About RPR's DataRPR generates and compiles real estate and other data from a vast array of sources.The data contained in your report includes some or all of the following:

Listing data from our partner MLSs and CIEs, and related calculations, likeestimated value for a property or median sales price for a local market.Public records data including tax, assessment, and deed information.Foreclosure and distressed data from public records.Market conditions and forecasts based on listing and public records data.Census and employment data from the U.S. Census and the U.S. Bureau ofLabor Statistics.Demographics and trends data from Esri. The data in commercial and economicreports includes Tapestry Segmentation, which classifies U.S. residentialneighborhoods into unique market segments based on socioeconomic anddemographic characteristics.Business data including consumer expenditures, commercial market potential,retail marketplace, SIC and NAICS business information, and banking potentialdata from Esri.School data and reviews from Niche.Specialty data sets such as walkability scores, traffic counts and flood zones.

Update FrequencyListings and public records data are updated on a continuous basis.Charts and statistics calculated from listing and public records data are refreshedmonthly.Other data sets range from daily to annual updates.

Learn moreFor more information about RPR, please visit RPR'spublic website: http://blog.narrpr.com

Schertz, TX 78154


commercial trade area report · 2020. 5. 8. · 45% of housing units are single-family dwellings;...

Documents