With its preprogrammed financial and accounting functions, the Texas Instruments BA35 calculator is designed for business professionals and students. It features cash flow analysis and time-value-of-money and compound-interest calculations. It can also recall time-value-of-money values as well as annuity operations. It converts annual percentage rate (APR) to effective rate (EFF) interest and does amortization balance, payment-to-interest, cost-sell-margin, and markup calculations. Because the BA35 runs on solar power, you'll never have to worry about replacing the batteries. It comes with a protective slide case, guidebook, and a one-year limited warranty.