HP 20b Business Consultant Financial Calculator Manual For free training, visit www.hp.
Legal Notices Legal Notices This manual and any examples contained herein are provided “as is” and are subject to change without notice. Hewlett-Packard Company makes no warranty of any kind with regard to this manual, including, but not limited to, the implied warranties of merchantability, non-infringement and fitness for a particular purpose.
Contents Contents Legal Notices Revision History..................................................................................................................2 HP 20b Business Consultant Keyboard Keyboard Map Legend .......................................................................................................6 1 Basic Features Welcome to the HP 20b Financial Calculator .....................................................................7 Turning the Calculator On and Off...................
Contents Two-Number Functions ....................................................................................................26 Storing and Recalling Numbers ........................................................................................27 Recall Arithmetic...............................................................................................................28 Storing and Recalling with Time Value of Money (TVM) Keys .........................................
Contents Statistics Example.......................................................................................................63 11 Errors Error Messages and Calculator Status .............................................................................65 12 Warranty, Regulatory, and Contact Information Replacing the Batteries.....................................................................................................67 HP Limited Hardware Warranty and Customer Care............................
HP 20b Business Consultant Keyboard HP 20b Business Consultant Keyboard Keyboard Map Legend No. Feature Chapter(s) No.
Basic Features 1 Basic Features Welcome to the HP 20b Financial Calculator This manual is designed to familiarize you with the many features of your new 20b Financial Calculator. It includes menu maps, example problems and solutions with key presses, screen shots, and examples of cash flow diagrams. There are also sections which list the error messages and explain how RPN works. Refer to the section titled, Contents for quick access to various topics.
Basic Features Two Line Display There are two lines in the display screen as shown in Figure 1. Figure 1 Display Screen The top line of the screen displays operation status, operator symbols, annunciators, and abbreviations of the registers, variables, and menu names. Throughout this manual, this line is referred to as the top line. In Figure 1, SIN is on the top line. The bottom line displays numbers you have entered, or results. Throughout this manual, this line is referred to as the bottom line.
Basic Features Table 1-1 Mode Menu Settings Setting (top line) Description FIX= 2 Display precision (number of digits displayed to the right of the decimal point). Default is 2. Key in the number of digits you want and press I, or press = until the number of digits you want is displayed. The display precision can be any number from 0-11. If you specify -1, the calculator displays numbers with the most appropriate number of digits after the decimal point.
Basic Features Table 1-1 Mode Menu Settings Setting (top line) Description English, Français, Language setting for the messages displayed on the screen. Deutch, or Español Default is English. Pressing I cycles through these options. Actual or Calendar options for bonds and date calculations. Cal.360 Default is Actual. Pressing Annual or Semiannual I toggles between these options. Bond type. Default is Annual. Pressing I toggles between these options.
Basic Features Key Presses and the Secondary Function : Key To execute the function associated with a key, press and release the desired key. Most of the 20b's keys have two functions: the primary function and the secondary function. The primary function is printed on the top of the key. The secondary function is printed on the bevel of the key. See Figure 2.
Basic Features Figure 3 Annunciator Symbols in the Screen Display The I Key The I key is used to input values for variables and execute menu items. The I key is also used in Reverse Polish Notation (RPN) mode to enter a number on the stack or duplicate it. The = Key The = key is used at the end of a mathematical operation to calculate the final result. For example, 1+2= returns a final result of 3.
Basic Features When an item for which the = key is valid displays, the small annunciator (=) is displayed on the top line at the right of the screen. Do not confuse this small annunciator (=) with the larger annunciator When an item for which the (=) found to the right of a variable. I key is valid displays, the INPUT annunciator is displayed on the top line at the right of the screen.
Basic Features For more information about storing and recalling numbers, refer to the section titled, Storing and Recalling Numbers in Chapter 2. The Cash Flow and Statistics menus share the same memory and are limited to a combined total of 50 memory slots. The number displayed with Memory refers to the number of remaining memory slots. When the cash flow or statistics items are displayed, a number also appears on the bottom line. This number indicates the number of memory slots used by the menu.
Basic Features In this manual, diagrams called Menu Maps are included at the beginning of each section to assist you with navigating through the menus used for that section. For an example of a menu map, see Figure 7. Figure 7 The Menu Map for the Break-even Menu There are four types of menu items: 1. Read/write. Read/write menu items, such as Fixed in the Break-even menu shown above, are easily recognizable, because when they are selected, both the INPUT and small (=) annunciators are lit.
Mathematical Calculations 2 Mathematical Calculations Mathematical Functions Mathematical functions are located: +-*/, etc. On keys, such as, On shifted, or secondary functions, such as, In the Math menu, :p :s Number Entry and Display Numbers are entered by pressing: 0- 9 Numbered keys, The decimal point The } The :w keys . key To correct a number entry, press the backspace key, {. Each press of { erases the last digit or symbol you entered.
Mathematical Calculations Chain Mode Calculations in Chain mode are interpreted in the order in which they are entered. For example, entering the following numbers and operations as written from left to right 1+2*3= returns 9. See Figure 2. Figure 2 Calculation in Chain Mode Note: if you press an operator key, +-*/, after =, the calculation is continued using the currently displayed value.
Mathematical Calculations For example, key in 1+ 2 x 5 nPr22 in Algebraic mode by pressing: 1+2*5:b2:m=. The result is 241. Note: the calculator is limited to 12 pending operations. An operation is pending when it is waiting for the input of a number or the result of an operation of higher priority. Reverse Polish Notation (RPN) Mode To set the calculator in RPN mode, refer to the section titled, The Mode Menu: Setting Preferences in Chapter 1.
Mathematical Calculations When an operation is performed on the stack, addition (+) for instance, the calculator "pops" or moves the two numbers from the bottom levels (Levels 1 and 2) out of the stack, performs the operation, and "pushes" the results back into the stack. With the numbers entered into the stack as shown in Figure 3, pressing + changes the stack as shown in Figure 4. Note that when the numbers are "popped" out to add 23 and 41, Level 4 of the stack remains unchanged.
Mathematical Calculations Table 2-2 Last Number Keys Display Description +:d/ Adds 1.23 and 56.123, then divides the sum by the last number, 56.123. Returns results in the selected display format. For more complex problems requiring two or more operations, you do not need to enter parentheses to set operational priority. Key in numbers and operations inside the parentheses first, followed by those outside of the parentheses.
Mathematical Calculations Table 2-3 Simple Arithmetic Calculations in RPN Mode Keys Display Description * RPN Stack Finishes the operation and displays the results. I or = when you are not entering a number duplicates the number on Level 1. That is, the number on Level 1 is pushed on the stack, making Levels 1 and 2 equal. In the example above, pressing I after * duplicates Pressing 77 on the stack, making Levels 1 and 2 equal. See Figure 5.
Mathematical Calculations Figure 6 The RPN Stack and the Roll Down Operation Pressing ) performs a swap. A swap operation exchanges the numbers on Levels 1 and 2 of the stack. The ) key has a small symbol on it as a reminder of the swap feature. With the numbers entered into the stack shown in the left column in Figure 7, pressing ) performs a swap to the stack as shown in the right column.
Mathematical Calculations For example, to calculate 6 , press 6:n. The result of 2.45 is calculated immediately and displayed on the bottom line. The square root symbol ( ) appears on the top line. Note: before doing any trigonometric calculations in the Math menu, check whether the angle mode is set for degrees (Degrees) or radians (Radians). You will need to change the setting if the active mode is not what your problem requires.
Mathematical Calculations Figure 8 The Menu Map for the Math Menu < to scroll through the menu items, starting with Trigonometry. The Trigonometry, Hyperbolic, and Probability items have sub-menus. Press I with these items displayed to access the functions within the sub menus. Press Press O to cancel the Math menu and return to current work. Press :s to return to the top of the Math menu. For an example using the math menu to calculate Sin -1 (0.5), see Table 2-5.
Mathematical Calculations Table 2-5 Math Menu Example Keys Display Description .5I :s Enters 0.5 and opens the Math menu starting with I< Selects the Trigonometry sub-menu and scrolls to Sin-1. Trigonometry. Note the value for Sin-1 is calculated immediately and displayed. I or = Validates the result. In the Math menu, PI does not perform calculations; it enters PI for calculations.
Mathematical Calculations 2. Type the number for which you want to calculate the probability, or, for the inverse, the probability for which you want the number. 3. Navigate to the appropriate function in the Probability sub-menu of the Math menu. Table 2-6 Probability Example Keys Display Description 10I 8I :s Enters 10 degrees of freedom and the number for which <
Mathematical Calculations nCr nPr Y x is the power function, nCr stands for the number of combinations of n items taken r at a time, and nPr stands for the number of permutations of n items taken r at a time. Combination= n! r!n r ! Permutation= n! n r ! Perform calculations with these functions in the same way you would perform calculations with but press +-/ and *, : to access the secondary function key. For example, to calculate 153 : 1. Press 15. 2. Press :h. 3. Press 3=.
Mathematical Calculations press L2 to recall memory 2. Note how the new current value stored in memory 2 is 17, (5 +12). +-* and / are valid mathematical operations for memories. To view the stored values in memories 1-9 and 0, press :t, followed by < or > repeatedly to scroll through each memory starting with memory 1 (Mem 1 ). Note that in the Memory menu, you can change the value of any memory by selecting the memory and typing a number followed by the t key.
Mathematical Calculations To find a percentage of a given number, enter the number and multiply it by the desired percentage, followed by =. For 200*25%= to return a result of 50. To add or subtract a percentage of a number, enter the first number, followed by + or - and the percentage followed by %. Finish your calculation with =. For example, to add 10% to 50, press 50+10%= to example, to find 25% of 200, press return a result of 55.
Time Value of Money 3 Time Value of Money The examples in the following sections are calculated with the Mode menu preferences in their default settings, unless otherwise noted. For more information about basic features and setting preferences, see Chapter 1 , Basic Features. Time Value of Money (TVM) Keys Cash flow diagrams are useful tools for analyzing financial situations, as they help you identify the TVM functions needed to resolve your problem.
Time Value of Money Figure 1 Cash Flow Diagram Example with Corresponding TVM Keys The TVM functions of the calculator can solve problems with at least one cash flow, and problems in which all the cash flows, except the first and last, are of the same value. To solve other types of cash flows, refer to the section below titled, Canadian Mortgages: TVM Canada, or Chapter 4, Cash Flows. Figure 1 illustrates a cash flow diagram and how the data in the diagram corresponds to the TVM keys.
Time Value of Money To save values for the TVM variables, enter the desired number, followed by the corresponding TVM key. To calculate an unknown value, enter all known values and press the key of the item you want solved. Table 3-1 TVM Keys Keys Description N Stores or calculates the number of payments or compounding periods. ^ Multiplies a value by the number of payments per year and stores as N. Y Stores or calculates the nominal, annual interest rate.
Time Value of Money Table 3-2 TVM Example Keys Display Description M Returns the monthly payment. This result is negative (-); it is money you pay out. To reset the TVM variables to their default values, with any TVM variable displayed press repeatedly until TVM displays. Press :x. Press < or > I to reset the TVM values, or press O to cancel. Amortization Refer to Figure 2 for a menu map of the Amortization menu (Amort). Table 3-3 lists the keys and variables of the Amortization A.
Time Value of Money Enter the values for the TVM keys for the example below. Press A followed by < or > to view the amortization schedule. Creating an Amortization Schedule You borrow 140,000.00 for 360 months at 10% interest. Create an amortization schedule for the loan. How much interest did you pay for the first year? What is the balance of your loan after the first year? See Table 3-4. The example below is shown with RPN as the active operating mode.
Time Value of Money To reset the menu items to their default values, with any item of the Amortization menu displayed press displayed, press :x. With TVM I. At the TVM Reset prompt, press I to reset, or O to cancel. Interest Conversion Menu Figure 3 The Menu Map for the Interest Conversion Menu To open the Interest Conversion menu (IConv) press :&. Table 3-5 Interest Conversion Menu Items Item Description Nom.
Time Value of Money Table 3-6 Interest Rate Conversion Example Keys Display Description 365 I Inputs 365 as the value for the number of compounding periods per year. >= Scrolls to the variable for the effective rate and calculates it. A 36.5% nominal rate compounded daily equals an effective rate of 44.03%.
Time Value of Money With TVM Canada enabled in the Mode menu, the following TVM features change: :[, now opens a menu with two items, P/YR and C/YR, in which you can specify the number of payments and compounding periods per year. Press < or > to scroll through the menu. See 1. The P/YR key, Figure 4. 2. To change the value of an item, with the item displayed, enter the number desired followed by I. 3.
Time Value of Money Canadian Mortgage Example Calculate the monthly payment for a 25-year (N=300) Canadian mortgage valued at 350,000.00, if the nominal interest rate is 6.0%, compounded twice yearly (C/YR=2) with 12 payments per year (P/YR). Table 3-7 Canadian Mortgage Example Keys Display Description :u Opens the Mode menu, starting with the current FIX value >I Scrolls to TVM mode and sets mode to TVM Canada. O Returns to default calculator screen.
Cash Flows 4 Cash Flows Figure 1 Cash Flow Diagram In the calculator, a cash flow list is a set of numbered pairs, CF(n) and #CF(n), where n is the index of the cash flow list. Each pair represents one or more cash flows in a cash flow diagram. As with TVM problems, it helps to sketch a cash flow diagram as a first step in solving cash flow problems. For some examples of cash flow diagrams, see Figure 3 at the end of this chapter.
Cash Flows :x. The number of cash flows in the list is displayed on the bottom line, along with Cash Flow=. At this prompt, press I. You will be asked to confirm your choice. Either press I to confirm the reset, or O to cancel. To erase a cash flow list, with any cash flow displayed press Table 4-1 lists the keys used for cash flow problems. For a cash flow example, see Table 4-2. Table 4-1 Cash Flow Keys Key Description C Opens the cash flow list.
Cash Flows Table 4-2 Cash Flow Example Keys Display Description C Opens the cash flow list. 8000 0}I Inputs -80000 as the monetary value of the initial I Accepts 1 as the number of occurrences for CF(0). 5000I Inputs 5000 as the monetary value of CF(1). cash flow. Note: the sign of the cash outflow is negative. Displays the current monetary value of CF(1). Displays the current value,1, for the number of times CF(1) occurs. I Accepts 1 as the number of occurrences for CF(1).
Cash Flows Table 4-2 Cash Flow Example Keys Display Description 115000 I Inputs 115000 as the monetary value of CF(6). I Accepts 1 as the number of occurrences for CF(6). Displays the current value, 1, for the number of times CF(6) occurs. Analyzing Cash Flows The various functions used to analyze cash flows are located in the NPV P and IRR R menus. If you press R or P before entering cash flows, you will be redirected to the cash flow menu to enter values into the cash flow list.
Cash Flows Table 4-3 NPV and IRR Menu Items Item Description Inv. I% Investment or discount rate. Enter the investment rate or discount rate for the cash flow followed by Net PV I. Net present value. Shows the value of the cash flows at the time of the initial cash flow, discounting the future cash flows by the value set for Inv. I%. Net FV Net future value. Shows the value of the cash flows at the time of the last cash flow, discounting the earlier cash flows by the value set for Inv. I%.
Cash Flows Table 4-4 NPV and IRR Example Keys Display Description < Displays the number of periods required for the cash flow to repay the investment. << Scrolls to the total value of the cash flow. R Displays the IRR for the cash flow. Editing Cash Flows In the cash flow list, you can view and modify the current monetary value of a specific cash flow, or cash flows. Press < or > repeatedly to scroll through the list. To modify the displayed entry, type a new number and press I.
Cash Flows Sample Cash Flow Diagrams Figure 3 Sample Cash Flow Diagrams 45
Bonds 5 Bonds DWN B Set.Date DWN Mat.Date CPN% DWN Accrued DWN DWN Call DWN Yield% DWN Price DWN Actual/ DWN Cal.360 Annual/ Semiannual Figure 1 The Menu Map for the Bond Menu The Bond Menu Before you enter the Bond menu, be sure to verify the date format is set appropriately for your problem. The default setting is mm.ddyyyy, but it can be set for dd.mmyyyy.
Bonds Table 5-1 Bond Menu Items Variable Description Call Call value. Default is set for a call price per 100.00 face value. A bond at maturity has a call value of 100% of its face value. Note: input only. Yield% Yield% to maturity or yield% to call date for given price. Note: input/output. Price Price per 100.00 face value for a given yield. Note: input/output. Accrued Interest accrued from the last coupon or payment date until the settlement date for a given yield. Note: this item is Read-only.
Bonds Table 5-2 Bond Calculation Example Key Display Description < Displays current call value. Default is 100. Note: if Call requires another value, key in the number followed by I. <4.75 I Inputs 4.75% for Yield%. <= Calculates the current value for Price. :$1 Stores 115.89 in memory 1. < Displays the current value for accrued interest. +L1= Returns the result for total price (value of price + value of accrued interest). The net price you should pay for the bond is 118.58.
Date Calculation 6 Date Calculation Figure 1 The Menu Map for the Date Calculation Menu The Date Calculation Menu The Date Calculation menu is used to calculate the number of days between two dates, or a second date given a number of days from an initial, or final date. To open the Date Calculation menu, press :@. Press < or > repeatedly to scroll through the items shown in Figure 1. Before you enter dates, verify the date is set in the format required for your problem.
Date Calculation Table 6-1 Date Calculation Example Key Display Description <10.3 12010 I Inputs the ending date in the selected format. <= Calculates the number of actual days between the starting and ending dates. To reset the menu items to their default values, with any item of the Date menu displayed press displayed, press :x. With Date I to reset the menu, or O to cancel. Press O again to exit the menu.
Break-even 7 Break-even Figure 1 The Menu Map for the Break-even Menu The Break-even Menu :!. To change the value of the displayed item, key in a number and press I. Once you have entered all known data, press < or > repeatedly to scroll to the unknown item and press = to calculate it.
Break-even Table 7-1 Break-even Example Keys Display Description <= Calculates the current value for the unknown item. 3200 units would have to be sold to return a profit of 10,000.00. To reset the menu items to their default values, with any item of the Break-even menu displayed press :x. With BrkEven displayed, press I to reset the menu, or O to cancel. Press O again to exit the menu.
Business Problems 8 Business Problems Figure 1 The Menu Map for the Percent Calculation (%calc) Menu The Percent Calculation Menu Press :# to open the menu. There are four items in this menu: markup as a percentage of cost ( Mkup. %C ), markup as a percentage of price (Mkup. %P ), part as a percentage of total (Part%Tot. ), and percent change (%Change ). These items allow you to access sub-menus. Press < or > repeatedly to scroll to the desired sub-menu, then press I to open it. See Figure 1. I.
Business Problems Note: for business problems, margin is based on price; markup is based on cost. The examples below are shown with RPN as the active operating mode. Percent Calculation Examples See Tables 8-1 through 8-4 for examples of calculations in the %calc menu. 1. Find the markup on an item if the cost price is $15.00 and the selling price is $22.00. See Table 8-1. Table 8-1 Markup Example Keys Display Description :# Opens the %calc menu. I Opens the Mkup.%C sub-menu.
Business Problems Note: although the example in Table 8-2 calls for no compounding, you may specify the number of compounding periods used in calculations with the Nb Period item in the %Change sub-menu. Nb Period is the number of compounding periods used in calculations between the old value and new value. The default is 1, but to change the setting, key in a number with Nb Period displayed, followed by I.
Depreciation 9 Depreciation Figure 1 The Menu Map for the Depreciation Menu The Depreciation Menu Press :\ to open the Depreciation menu. To select a depreciation method, press I repeatedly. See Figure 1.
Depreciation Note: pressing < on the last item of a sub-menu returns you to the Year item, not to the top of the sub-menu (see Figure 1). By scrolling through all the items of a sub-menu, you incrementally advance the Year item. This allows you to see the depreciation schedule for the next year without additional entries. Brief descriptions of the methods used to calculate depreciation are provided in Table 9-1. Table 9-2 describes the items found in the depreciation sub-menus.
Depreciation Table 9-2 Depreciation Menu Items Item Description Salvage The salvage value of the asset at the end of its useful life. Factor The declining balance factor as a percentage. This is used for declining balance and declining balance crossover methods only. Year Year for which you want to calculate the depreciation. Depreciation Depreciation in the given year. R.Book Value Remaining book value at the end of the given year. R.
Depreciation Table 9-3 Straight Line Depreciation Example Key Display Description < Remaining book value after year one. < Remaining depreciable value after year one. < The next year for which to calculate the depreciation. To calculate for a year other than 2, type a number and press I. < Depreciation of the asset in year two. < Remaining book value after year two. < Remaining depreciable value after year two.
Statistical Operations 10 Statistical Operations Figure 1 The Menu Maps for the Data and Statistics Menus 60
Statistical Operations The Data and Stats Menus Statistics analysis functions are located in the Data and Statistics menus accessible with the :y and :z keys. See Figure 1 for assistance with navigating through the menus. Press :y to open the Data menu. In this menu, enter a list of x values for one-variable statistics, a list of pairs, (x, F) for weighted, one-variable statistics, a list of numbers x for one-variable statistics, or a list of pairs, (x, y) for two-variable statistics.
Statistical Operations Table 10-1 The Statistics Menu Items Menu Item Description Nb Item Number of items. X Mean Average of X values. Y Mean Average of Y values. X Std. Dev Standard deviation for X: a measure of how dispersed the x data values are about the mean. Y Std. Dev Standard deviation for Y: a measure of how dispersed the y data values are about the mean.
Statistical Operations Table 10-1 The Statistics Menu Items Menu Item Description Sigma Y The sum of the y values. Sigma X2 The sum of the squares of the x values. Sigma Y2 The sum of the squares for the y values. Sigma XY The sum of the products of the x and y values. Statistics Example Sales for the last five months are represented by the pairs of values shown below, with the month number as x, and the sales values as y. Enter these into the Data menu.
Statistical Operations Table 10-3 Statistics Example Keys Display Description 5I1 70I Inputs values for X(5) and Y(5). :z Opens Stats menu.
Errors 11 Errors Error Messages and Calculator Status Table 11-1 Error Messages Error Message Status ER: Underflow The calculation generated an underflow (result of 0). ER: x/0 Division by zero. ER: 0/0 Zero divided by zero. ER: ∞*0 Infinite multiplied by zero. ER: ∞/∞ Infinite divided by infinite. ER: √/ (x<0) Square root of a negative number. ER: LN (0) LN of 0. ER: LN (x<0) LN of a negative number. ER: ATrig(|x|>1) ASIN or ACOS of a number for which the absolute value is > 1.
Errors Table 11-1 Error Messages Error Message Status ER: Many Solutions Returned when there are many solutions to the problem. ER: Invalid N Returned by TVM/Amort if N is invalid. ER: User Abort Returned by long functions if user stops the calculation prior to completion. ER: ∞ Result Returned if the result is infinite. ER: Insufficient Data Returned by statistics functions if there is insufficient data for analysis.
Warranty, Regulatory, and Contact Information 12 Warranty, Regulatory, and Contact Information Replacing the Batteries Use only fresh batteries. Do not use rechargeable batteries. The calculator takes two, 3-volt CR2032 lithium batteries. To install a new battery: 1. With the calculator turned off, slide the back cover off. 2. Remove one of the old batteries and replace it with a new battery with the positive polarity symbol facing outward. 3.
Warranty, Regulatory, and Contact Information Customer Care In addition to the one year hardware warranty your HP calculator also comes with one year of technical support. If you need assistance, HP customer care can be reached by either email or telephone. Before calling please locate the call center nearest you from the list below. Have your proof of purchase and calculator serial number ready when you call. Telephone numbers are subject to change, and local and national telephone rates may apply.
Warranty, Regulatory, and Contact Information Table 12-1 Contact Information Country/Region Contact Greece Ελλάδα 210 969 6421 Guatemala 1-800-999-5105 Honduras 800-711-2884 Hong Kong 香港特別行政區 852 2833-1111 India www.hp.com/support/india Indonesia +65 6100 6682 Ireland 01 605 0356 Italia 02 754 19 782 Japan 日本 81-3-6666-9925 Korea 한국 www.hp.com/support/korea Magyarország www.hp.com/support Malaysia +65 6100 6682 México 01-800-474-68368 Middle East International www.hp.
Warranty, Regulatory, and Contact Information Table 12-1 Contact Information Country/Region Contact Puerto Rico 1-877 232 0589 Russia Россия 495 228 3050 Schweiz (Deutsch) 01 439 5358 Singapore 6100 6682 South Africa 0800980410 South Korea 한국 2-561-2700 Suisse (français) 022 827 8780 Suomi 09 8171 0281 Sverige 08 5199 2065 Svizzera (italiano) 022 567 5308 Türkiye www.hp.
Warranty, Regulatory, and Contact Information Product Regulatory & Environment Information Federal Communications Commission Notice This equipment has been tested and found to comply with the limits for a Class B digital device, pursuant to Part 15 of the FCC Rules. These limits are designed to provide reasonable protection against harmful interference in a residential installation.
Warranty, Regulatory, and Contact Information This compliance is indicated by the following conformity marking placed on the product: xxxx* This marking is valid for non-Telecom products and EU harmonized Telecom products (e.g. Bluetooth). This marking is valid for EU non-harmonized Telecom products .
Warranty, Regulatory, and Contact Information 产品中有毒有害物质或元素的名称及含量 根据中国《电子信息产品污染控制管理办法》 有毒有害物质或元素 部件名称 铅 (Pb) 汞 (Hg) 镉 (Cd) 六价铬 (Cr(VI)) 多溴联苯 (PBB) 多溴二苯醚 (PBDE) PCA X O O O O O 外觀殼子/字鍵 O O O O O O O：表示该有毒有害物质在该部件所有均质材料中的含量均在SJ/T11363-2006 标准规定的限量要求以下。 X：表示该有毒有害物质至少在该部件的某一均质材料中的含量超出SJ/T11363-2006 标准规定的限量要求。 表中标有“X” 的所有部件都符合欧盟RoHS法规 “欧洲议会和欧盟理事会2003年1月27日关于电子电器设备中限制使用某些有害物质的2002/95/EC号指令” 注：环保使用期限的参考标识取决于产品正常工作的温度和湿度等条件 73
Index Index ! !: key, 23 % % change, 53 % yield, 47 = =: key, 12 A a: slope, 62 absolute value. See Math menu Algebraic mode, 17 amortization: Amort key, 33; example, 34; menu items, 33 annual: bond, 47 annunciators, 11 ANS.
Index N N key, 32 natural exponent: e to the power of x key, 23 nCr, 27 negative numbers, 16 net future value, 43 net present value, 43 net uniform series, 43 nPr, 27 NPV: key, 42 NPV, IRR: menu items, 43 number entry, 16 number period: compounding, 55 number periods: amortization, 33 numbers: rounding, 28; storing and recalling, 27 O off: calculator off, 7 Off: key, 7 on: calculator on, 7 On: key, 7 P P/YR: key, 32 parentheses: use in Chain mode, 17 parentheses (swap and roll down): keys in RPN, 21 payba
