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  <front>
    <journal-meta />
    <article-meta>
      <title-group>
        <article-title>An Empirical Analysis of the Perception of Mobile Website Interfaces and the Influence of Culture</article-title>
      </title-group>
      <contrib-group>
        <contrib contrib-type="author">
          <string-name>Kiemute Oyibo</string-name>
          <email>kiemute.oyibo@usask.ca</email>
          <xref ref-type="aff" rid="aff1">1</xref>
        </contrib>
        <contrib contrib-type="author">
          <string-name>Yusuf Sahabi Ali</string-name>
          <email>sahabiali@yahoo.com</email>
          <xref ref-type="aff" rid="aff0">0</xref>
        </contrib>
        <contrib contrib-type="author">
          <string-name>Julita Vassileva</string-name>
          <xref ref-type="aff" rid="aff1">1</xref>
        </contrib>
        <aff id="aff0">
          <label>0</label>
          <institution>Ahmadu Bello University</institution>
          ,
          <addr-line>Zaria</addr-line>
          ,
          <country country="NG">Nigeria</country>
        </aff>
        <aff id="aff1">
          <label>1</label>
          <institution>University of Saskatchewan</institution>
          ,
          <addr-line>Saskatoon</addr-line>
          ,
          <country country="CA">Canada</country>
        </aff>
      </contrib-group>
      <fpage>44</fpage>
      <lpage>56</lpage>
      <abstract>
        <p>The persuadability and credibility of a website depend on users' perception and interpretation of the various design elements that characterize its user interface. While so much has been done in the web domain to investigate the role culture plays in the perception of websites and the need for personalization along cultural lines, very little has been done in the mobile domain to uncover the differences that exist between the Western and African cultures. To bridge this gap, we carried out a quantitative study among 233 subjects to investigate how the perceptions of four systematically designed mobile websites 1) vary between these two cultures using Canada and Nigeria as a case study; and 2) can be leveraged for tailoring mobile websites for both groups. Our findings show both cultures differ in their perceptions of mobile websites with respect to aesthetics, usability, and credibility, with the Nigerian group being less critical in its judgment and more attracted to colorful websites.</p>
      </abstract>
      <kwd-group>
        <kwd>mobile website</kwd>
        <kwd>user interface design</kwd>
        <kwd>visual</kwd>
        <kwd>layout</kwd>
        <kwd>color</kwd>
        <kwd>aesthetics</kwd>
        <kwd>usability</kwd>
        <kwd>credibility</kwd>
        <kwd>culture</kwd>
        <kwd>localization</kwd>
        <kwd>persuasion</kwd>
      </kwd-group>
    </article-meta>
  </front>
  <body>
    <sec id="sec-1">
      <title>-</title>
      <p>E-commerce is growing every day by leaps and bounds, especially with the
advancement in mobile technology and the coming of more businesses and people online.
Shoppers can now make online purchases from anywhere at any time by using their
mobile phones without having to be physically present in a brick-and-mortar store.
Ecommerce had been predicted to overtake traditional commerce in years to come [27],
with pundits projecting that by 2019 online sales would more than double to $3.551
trillion as more people come online [17]. However, in today’s highly competitive
market, online sellers can only increase their shares if they understand how to
effectively persuade users to use their websites for the purchase of products and services.
In other words, they can only succeed if users perceive their websites as credible [8].
Fogg [9] defines perceived credibility as believability based on perceived
trustworthiness and perceived expertise. In the case of websites, this is reflected by the user
interface (UI). He claims it gives website designers the power to change users’ attitudes
and behaviors, e.g., influencing them to think positively about the site owner or return
to the site often.</p>
      <p>Research has shown that UI design elements that border on visuals, navigation and
color play a major role (rhetorical in nature) in the persuasive process [28]. The first
of Fogg’s ten guidelines for designing a credible websites states “design your site so it
looks professional (or as appropriate for your purpose)” as “people quickly evaluate
a site by visual design alone” (p. 19). The seventh guideline states “make your site
easy to use and useful” (p. 26), as a website loses credibility whenever users find it
difficult to accomplish a task with it [7]. Thanks to the small screen size of the mobile
device, designing for usability on the mobile platform has become even more
important in order to foster an enduring user experience that may motivate the user to
return to a website. According to Winn and Beck [28], “design elements appeal to a
shopper’s logic, emotions, and assessment of credibility” (p. 1). Further, Fogg [8]
posits that the assessment of the credibility of a website depends on the
“prominenceinterpretation theory,” which relates UI elements to the perceived credibility of a
website. This theory explains what transpires when a user uses a website: 1) the user
notices the UI elements of the site (prominence); and 2) the user makes a judgment
about them (interpretation). Among the factors affecting prominence are the
involvement of the user, the topic of the website, task of the user, experience of the user and
individual difference. Of these, user involvement may be the most dominant factor
which affects prominence. On the other hand, among the factors affecting
interpretation are the assumptions in a user’s mind, skill and knowledge of the user and context
of the user. According to the theory, both must happen for credibility assessment to
occur; otherwise, credibility assessment does not take place. Furthermore, the
interpretation component posits that different users interpret identical website elements in
different ways due to the role culture plays in the judgment making process [8]. This
brings us to the focus of this paper: the need for localization of mobile websites to
meet the preferences of local users in order to increase its persuasive power [9].
Localization refers to the adaptation of “products and services to a particular language,
culture and desired local look and feel” (p. 1), in order to maximize user experience
and satisfaction [4]. To realize this, research [8,9] has shown, the cultural background,
values, and attitudes of the targeted audience ought to be taken into account when
designing mobile websites.</p>
      <p>Though a lot of work [4], [8], [21], [25] has been done on the role culture plays in
the judgment of a website, very few studies have focused on the mobile domain [18].
Moreover, little is known about the differences that exist between the Western
culture, where most e-commerce websites are designed, and the African culture, a key
player in the e-commerce supply chain, with the aim of localizing them accordingly.
Thus, we conducted an online survey among 233 subjects (146 Nigerians and 87
Canadians) to investigate the differences that might exist. We asked participants to
assess four systematically modified mobile web designs (with different levels of UI
treatments) based on aesthetics, usability and credibility. We chose Nigeria because,
apart from being the most populous in Africa with over 170 million people, it has
become one of the leading online retailers and currently has the highest number of
mobile phone users [22]. At the start of 2014, for example, it had over 11 million
Facebook users, which was the highest on the continent [10]. This makes it a
candidate country of choice for a study of this nature that aims to uncover how Africans
perceive mobile websites for better personalization. Owing to the well-known
differences based on culture, levels of education [15], internet experience [21], etc., that
exist between these two countries, we hypothesized that the Canadians will be more
critical in assessing mobile websites and less attracted to colorful websites than the
Nigerians.</p>
      <p>The rest of this paper is organized as follows. Section 2 focuses on related work.
Section 3 explains the research method used. Section 4 and Section 5 dwell on result
and discussion respectively. Finally, Section 6 focuses on conclusion and future work.
2</p>
    </sec>
    <sec id="sec-2">
      <title>Related Work</title>
      <p>Research [8], [21], [25] has shown that culture impacts users’ perception of websites,
as different cultures have different UI design preferences and ways of organizing and
structuring information. For example, regarding web content layout, a country like
France is suggested to prefer a centered orientation. Cyr and Trevor-Smith [8] found
that Japanese and Germany/United states differ in the way they position banners in
websites. Asians and Americans have also been shown to differ in the way
information is organized in a website. Moreover, with regard to color, cultural differences
have also been found to exist in terms of connotation and preferences. For example,
Cyr and Trevor-Smith [4] reported that while the color red may be used to express joy
in China, it is used to express a warning in the United States. Visual interpretation and
preference have also been found to vary across cultures. Thus, according to Cyr and
Trevor-Smith [4], it is important that images in websites be tailored to the local
audience. They argued that the use of culturally relevant as well as non-offensive images
makes a user feel comfortable and understand easily the meaning of the images
presented on the website, which eventually leads to greater user satisfaction, as found by
Sun [25]. In a visual-related study, the author showed that both the Chinese and
Brazilian participants were pleased with the natural images drawn from their respective
cultural environments. In summary, Sun recommends that for high-context (HC)
cultures, “implicit” cultural markers, such as visuals and colors, should be used; while
for low-context (LC) cultures, “explicit” cultural markers, such as page layout, should
be used.1 For example, LC cultures, such as Germany, were found to prefer a
hierarchical and verbal websites, such as well-structured and logically laid-out websites
with information organized alphabetically. In contrast, HC cultures, such as China
and Brazil, were found to prefer visuals and colors [25]. Moreover, Reinecke and
Bernstein [21] argued that interfaces that are automatically adapted, based on the
entirety of a user’s multi-faceted national culture, would match the user’s preferences
better. They proposed a design approach for automatically adapting UIs based on a
1 A HC culture is that with a communication style where so much is left unsaid and to be
inferred from the context, while a LC culture is that where everything is clearly
communicated.
user’s predicted culture, calculated based on his/her residence history. The
implemented prototype was about 60% to 70% accurate in predicting users’ UI preferences.
However, few studies exist showing how users from the African continent (e.g.,
Nigeria) perceive the various UI designs and visual elements of a mobile website and how
this differs from users from a Western culture with the aim of personalization and
adaptation for the former. It is this gap this paper attempts to fill by providing
empirical evidence that support our hypotheses.
3
3.1</p>
    </sec>
    <sec id="sec-3">
      <title>Method</title>
      <sec id="sec-3-1">
        <title>Research Design</title>
        <p>The aim of our study is to find out how the Canadian and Nigerian cultures perceive
various mobile UI designs, which differ in terms of colors, images and layouts. We
applied a UI design framework (Fig. 1), which we called “Mobile Web UI
Transformation Framework” or, simply, “Action-Artifact (A2) Framework”, to systematically
modify the UI design of four hypothetical webpages adapted from existing websites
in the market.2 The axes represent the actions (UI treatments) performed to realize a
new artifact (UI) in the next quadrant. We regard the two blue-theme UIs below the
xaxis as high-level web designs and the two above as low-level web designs. Starting
from the low-level group in a clockwise direction, we perform a compound UI
treatment (make gray and add icon) on A to produce B. Next, we perform a simple UI
treatment (make unicolor) on B to produce C. This UI transformation continues till
we return to A from where we started. Further, based on the four UIs, we
hypothesized as follows:</p>
        <p>H1: Canadians will be more critical than Nigerians in judging mobile websites.
H2: D will be judged as the best by both Canadians and Nigerians.</p>
        <p>H3: A and B will be judged as the worst by Canadians and Nigerians respectively.</p>
        <p>Our first hypothesis (H1) was hinged on the fact that both countries differ in terms
of education and mobile internet experience [15], with Canada ranking higher as a
developed country than Nigeria, which is a developing country. So, it is very likely
the perception of mobile websites by Canadians will be more sophisticated than
Nigerians, as the former are more likely to have higher expectations given their higher
level of education and mobile experience. In our second and third hypotheses (H2 and
H3), we surmised that Mobile Web D (for brevity, D) would be judged as the best by
both groups for two reasons: aesthetic appeal and layout. We felt D is the most
beautiful given its appeal, professional look and feel (its blue color theme) and grid layout
(easier to use).
2 All four websites were adapted from existing tourism and travels’ mobile websites in the
market in 2014, namely, m.wakanow.com, mobile.united.com, mobile.utah.com and
tourismwinnipeg.com. Note: as of the time of writing this paper, some of them had been
redesigned.
For example: 1) it is less prone to mistakes when an item of interest is clicked; and 2)
all items are displayed at once: no extra layer of navigation is added by having to
click “More…” to access more items, as is the case in the list layout. Thus, we
surmised that the better usability perception of D would increase its aesthetic perception
thanks to the halo effect [19]. As a result, it would be preferred to C, with which it
shares a similar look and feel. Finally, we surmised that between the two low-level
designs, A would be judged the worse by the Canadian group (CG), while B by the
Nigerian group (NG). The reasons are: 1) given that the CG belongs to a LC culture
[12], [20], it is likely to prefer a more professional (grayscale) website to a colorful
website that is less professional, as research [25] has shown that LC cultures are more
concerned with information organization than visuals and colors; and 2) given that the
NG belongs to a HC culture [12], [20], which, research [25] has shown, likes colorful
and visually appealing websites, it is likely to prefer a website that uses attractive
colors to one that uses gray.
3.2</p>
      </sec>
      <sec id="sec-3-2">
        <title>Measurement Instruments</title>
        <p>Existing validated instruments were used to measure the three constructs of interest.
Aesthetics was measured using Schaik and Ling’s 6-item version [23], as adapted
from Lavie and Tractinsky’s aesthetics instrument [16]. This version has been
previously validated [2], [24]. Usability was measured using Lavie and Tractinsky’s
usability 5-item scale [16] as adapted and validated by previous studies [24], [26]. The
items in both instruments were measured on a 7-point Likert scale ranging from
Strongly Disagree (1) to Strongly Agree (7). Credibility was measured using a
singleitem scale [24], ranging from Very Bad (1) to Very Good (7). Finally, the four
webpages were subject to forced ranking from Most Credible (1) to Least Credible
(4), which was reversed during data analysis. In the survey, the webpages were
presented to participants in this order (C, A, B, D), with the aesthetics and usability
Likert-scale items randomized.
3.3</p>
      </sec>
      <sec id="sec-3-3">
        <title>Participants</title>
        <p>The survey was approved by the University of Saskatchewan Research Ethics Board.
Thereafter, it was posted on the university’s website and Facebook for anonymous
participation. Also, invitation emails were sent to volunteer participants for a chance
to participate. In order to appreciate participants for their time, they were given a
chance to optionally enter for a draw to win one of our four gift cards worth $50 each.
The data gathering lasted for a period of six months. About 300 subjects participated
in the study.</p>
        <p>After excluding participants who did not meet our inclusion criteria, we were left
with 87 (37.3%) Canadians and 146 (62.7%) Nigerians for our analysis. Table 1
shows the demographics of participants: 54.5% males and 45.5% females. 67.8%
were between the age of 18 and 24 years while the other 32.2% were above. 75.5% of
them had up to10 years and above of internet experience. Lastly, 57.9% had high
school qualification; 24.5% had a bachelor while 8.2% had a postgraduate
qualification.</p>
      </sec>
    </sec>
    <sec id="sec-4">
      <title>Results</title>
      <sec id="sec-4-1">
        <title>Reliability Measurement</title>
        <p>The reliability test for the aesthetics and usability scales was based on McDonald’s
coefficient omega (ω) rather than the traditional Cronbach’s coefficient alpha (ρ),
which is inappropriate as a measure of internal consistency when the collected data
does not follow a normal distribution or meet the tau-equivalent model’s restrictive
and unrealistic assumptions, e.g., equality of true score variance across all items in a
scale. More important, ω does not only provide a single-point estimate, it provides,
unlike ρ, a confidence interval (CI) as well [5]. Table 2 shows the result of the test at
99% CI based on 5000 bootstraps. The reliability requirement, ω&gt;0.7, for both scales
is met.
4.2</p>
      </sec>
      <sec id="sec-4-2">
        <title>Construct Performance</title>
        <p>To visualize how both groups’ perceptions of aesthetics and usability changed,
alongside credibility rating and ranking, within and between groups, we assumed our
ordinal scale was an interval scale to enable us to compute a point estimate (overall mean
score or performance) for each construct (latent variable), which could be plotted in a
graph (see Fig. 2). We deliberately computed the means of the credibility rating and
credibility ranking (Likert-type items), meant to be statistically analyzed using the
mode, median and/or frequency only [14], in order to visualize on the same plot how
these single-item measures change, alongside the multiple-item constructs, within and
between groups. This would not be possible if we were to use the mode or median
value, which may be the same within group (see Table 3). For example, the credibility
rating median for the NG happens to be the same (i.e., 6) for all four webpages (A, B,
C and D). First, the mean score of the composite items for each participant was
calculated to arrive at a single-column value for each Likert scale. Second, the overall
mean score of each of the two transformed Likert-scale constructs (aesthetics and
usability) and the mean of the Likert-type items (credibility rating and credibility
ranking) for all participants were calculated to arrive at point estimates. Third, these
point estimates (overall mean scores) were plotted on a graph as shown in Fig. 2.
For the most part, we find that the NG rated the four webpages, especially with
respect to aesthetics and credibility rating, higher than the CG, except with respect to
credibility ranking which was forced. For example, with respect to aesthetics, the
mean rating by the NG and CG regarding A are 5.23 and 3.47 respectively. When the
UI design is changed from a multicolor theme (A) to a grayscale theme (B), the rating
by the NG decreases to 4.97, while that by the CG increases to 3.85. Further, when
the UI design is changed from a grayscale theme (B) to a blue theme (C), the mean
rating by the NG increases to 5.19, while that by the CG decreases to 3.77. Finally,
when the UI layout is changed from a list (C) to a grid (D), the mean rating by both
groups increases simultaneously to 5.86 and 4.91 respectively, which happen to be the
highest performance for aesthetics among all four webpages.</p>
        <p>It is interesting to note how, for both groups, except for the usability rating of the
CG, the mean performances of all four measures change in sync across all four
webpages, suggesting the performance of one or more measures (e.g. aesthetics) must
have informed the others (e.g., credibility), as found by previous studies [3], [7].
However, this needs to be further verified by more analysis, e.g., correlation or path
model analysis, which is not the focus of this paper. At the moment, we are only
concerned with investigating how the perceptions of aesthetics, usability and credibility
vary between the two groups and not how these constructs influence one another. This
leads us to the between-group analysis in subsection 4.3. Further, we notice that the
CG ranked D, C, and B moderately higher (due to forced ranking), but A markedly
worse, than the NG. This suggests that while the NG might be relatively pleased with
A as evident in its third-place performance with respect to all four measures, which
are in sync, the CG was not, as evident in A having the worst performances among all
four webpages.</p>
      </sec>
      <sec id="sec-4-3">
        <title>Between-group Significance Test</title>
        <p>We carried out non-parametric Kruskal-Wallis rank sum test on the transformed
aesthetics and usability single-column mean scores and the raw credibility rating and
ranking scores to determine whether the differences between the two groups were
statistically significant. We chose the non-parametric test instead of ANOVA because
the Likert-scale/type items in our dataset were not normally distributed as
characteristic of most survey data [14]. Table 3 shows the median and mean of the transformed
Likert scales and Likert-type items and the result of the significance test.3 It shows
that the group differences with respect to aesthetics and credibility rating are
significant at p&lt;0.0000. This indicates that both groups significantly differ, with the CG
being more critical of all four webpages. Similarly, with respect to usability, the
group difference regarding A’s and D’s ratings is significant at p&lt;0.05, but that
regarding B and C is not. This is evident in the plot in Fig. 2, as we see a relatively large
difference between the two extreme webpages (A and D), but not between the middle
webpages (B and C). Lastly, with respect to credibility ranking, the group difference
is significant at p&lt;0.0000 regarding A, at p&lt;0.05 regarding C, nearly significant at
p=0.08 regarding B, but not significant regarding D. To account for these differences
and non-differences between the two groups, we decided to plot the credibility
ranking of the webpages by participants in order to have a clear insight into how the two
groups’ rankings are distributed. Fig. 3 shows the plot. By a glance, we notice in the
plot that both groups, to a great degree, ranked D in a similar way. We discover that
about 50% of both groups ranked D as most credible. Further, we notice that the CG
ranked D as second most credible and third most credible more than the NG.
However, this does not result in a significant difference between both groups as this is offset
by the more than 50% of the NG (53%) that ranked D as most credible compared to
48% of the CG. On the flip side, we find that both groups clearly differ in the ranking
of A. About 80% of the CG (69 out of 87) ranked A as least credible while only about
32% of the NG (47 out of 146) ranked it as least credible. On the other hand, only
about 0% of the CG (1 out of 87) ranked A as most credible, while about 24% (35 out
of 146) ranked it as most credible. This suggests that almost all the CG participants
were highly displeased with A, but this was not the case with the NG. However, the
reverse seems to be the case regarding B, which is nearly significant at p=0.08. Only
about 16% of the CG (14 out of 87) ranked B as least credible, while 34% of the NG
(50 out of 146) ranked it as least credible. On the other hand, about 24% of the CG
(21 out of 87) ranked B as most credible, while only about 8% (12 out of 146) ranked
it as most credible. This suggests that the CG preferred a professional-looking mobile
website with fewer colors over a highly colorful mobile website preferred by the NG.
3</p>
        <p>The Kruskal-Wallis rank sum test is based on comparing the medians—and not the means—
of the two groups. We showed the mean values of the four measures in Table 3 for the
purpose of providing the precise values of the measures in Fig. 2 and not for statistical analysis.
The results we have presented, to a great degree, validate all of our hypotheses. Our
first hypothesis was Canadians will be more critical than Nigerians in judging mobile
websites. Table 3 and Fig. 2, especially with respect to aesthetics and credibility,
confirm this hypothesis. The ratings of the four websites by the Canadians, for the most
part, are lower than those by the Nigerians. A possible explanation is that the
Canadians are more educated and had more internet experience. For example, 54% and 89%
of the Canadian participants had bachelor/postgraduate qualifications and 10 years
and above of internet experience respectively, while only 20% and 68% of the
Nigerian participants had similar qualifications and experience respectively. Another factor
that might be responsible is that the Canadian group had more female participants
(78%) than male participants (22%), while the Nigerian group had more male
participants (74%) than female participants (26%). Generally, females are known to be more
critical of websites than males [6]. However, to ensure that this was not the (only)
factor that actually accounted for the differences, we additionally performed a
between-group analysis between the respective males and females of both groups. The
result showed that this was not the factor that was responsible, as the Canadian male
and female groups turned out to be more critical than the Nigerian male and female
groups respectively. Moreover, analyzing the participants’ comments, from a
qualitative standpoint (not part of the focus of this paper), also confirmed our quantitative
findings. Lastly, the lower rating of the four UIs by the CG than the NG (Fig. 2)
indicates that the former may be more conservative and moderate in rating products and
services in general than the latter.</p>
        <p>Our second and third hypotheses—D will be judged as the best by both Canadians
and Nigerians, and A and B will be judged as the worst by Canadians and Nigerians
respectively—are also supported by our results. Both groups judged the high-level
web designs (D and C) in a similar way, with the former judged the best based on all
four measures. However, the two groups differed in judging the low-level web
designs (A and B). While the CG preferred B, which employed a unicolor scheme
(grayscale), the NG preferred A, which employed a multicolor scheme (rainbow).
This, in particular, has practical implications. It suggests there is a need to localize the
mobile websites designed in one country to meet the local preferences of the users in
another country. Thanks to the low-bandwidth problem in Africa [15], one of the aims
of this study was to specifically investigate whether the NG might prefer a grayscale
website to an overtly colorful website, which may suggest that users from Nigeria
may not be so much concerned about aesthetics if every other element in the website
is okay. In that case, the text-based version of mobile websites can be rendered on
users’ browser automatically when the server senses a limited bandwidth on the client
browser without seeking their permission or prompting them to make the choice.
However, based on our findings, this may not be in the best interest of responsive
website owners that do this adaptation automatically, as this might negatively impact
perception of users who prefer colorful websites in the long run [15]. In other words,
non-colorful websites may not persuade Nigerians to use them as much as colorful
websites do, as research has shown that people, generally, say yes to the things they
like [1]. Thus, it will be of great benefit to e-commerce vendors if they go the extra
mile to personalize their professional mobile websites, which use a black-and-white
or grayscale theme, to the Nigerian audience, which are more attracted to colors. This
may not necessarily be the case with respect to Canadians, as they still perceive such
websites favorably inasmuch every other UI characteristic, e.g., usability, is okay.</p>
        <p>Our study has a number of limitations. First, we only sampled the Nigerian and
Canadian populations, which may threaten generalizing our findings to the broader
Western and African cultures. Second, it adopted a self-report approach based on
users’ perception of mobile web UIs rather than actual use. Third, the order of
presentation of the four web UIs during the survey could have impacted the way participants
responded. Despite these limitations, our findings expand the literature on the
perception of mobile websites by providing insight into how the African and Western
populations may differ in the perception of mobile websites for the purpose of
personalization.
6</p>
      </sec>
    </sec>
    <sec id="sec-5">
      <title>Conclusion and Future Work</title>
      <p>We have presented how users from the Western and African cultures perceive
different mobile website designs and how they differ using Canada and Nigeria as a case
study and a sample of 233 participants to enable better tailoring along cultural lines.
Our findings show that the two groups differ in the perception of mobile websites,
with the Nigerian group being less critical and more persuadable by colorful websites
than the Canadian group. However, both groups prefer a grid- to a list-layout mobile
website. Our contribution is that our paper provides empirical evidence on how the
Western and African cultures are similar or differ in the perception of mobile website
designs. This can be leveraged to adapt or personalize mobile website for the latter
group. As part of future work, we intend to extend our study to other Western and
African countries, as well as other continents, in order to broaden the generalizability
of our findings.
10.
11.
19.
20.
22.
23.
24.
25.
26.
27.
28.</p>
    </sec>
  </body>
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