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Banking And Insurance Business Associate Degree Program

Academic Unit Presenting the Program

Banking And Insurance Business

Program Director

Program Type

Associate Degree Program

Level of Degree Earned

Associate Degree

Degree Earned

When you graduate, you can work in Banking or Insurance sector.

Education Type

Tam zamanlı

Registration Acceptance Conditions

Those who have successfully completed their secondary education are eligible.

Recognition of Prior Learning

The process of recognition of prior education by Turkish higher education institutions is still in its incipient stage. Likewise, the recognition of prior education has neither been started nor implemented by all departments at Namik Kemal University. However, a proficiency exam is held at the beginning of each academic year regarding the compulsory Foreign Language Course which is to be offered in the curriculum of all departments. The students who have embarked on a self-learning period or acquired necessary skills in the course are eligible to enter this exam. Those who have successfully passed the exam are eligible not to take the course.

Degree Requirements and Rules

The students studying in this undergraduate program are required to have a Cumulative Grade Points Average (Cum.GPA) of not less than 2.00/4.00 and have completed all the courses with at least a letter grade of DD/S in the program in order to graduate. The minimum number of ECTS credits required for graduation is 120. It is also mandatory for the students to complete their compulsory internship in a specified duration and quality.

Program Profile

Occupational Profiles of Graduates

Departmental graduates can be employed in institutions in the private and public sectors in finance, banking and insurance.

Access To Upper Degree

Candidates who have successfully completed associate degree education can study by passing to undergraduate programs on condition that they must obtain valid points from DGS exam.

Exams, Assessment and Grading

Students will take a minimum of one midterm examination. In addition to midterms, they will be assigned projects and homeworks whose deadlines will be specified at the beginning of the semester. At the end of each semester, the students are required to take a final examination. The course content, the requirements (midterm, project, assignment and final examination) and their contribution to the final grade is specified on the website. Student regulations and the final examination dates are determined by the university and final examinations take place as announced. The students are graded according to their midterm, project, assignment and final examination results.

The passing grade at Namık Kemal University is 60 out of 100. However, the grade of the final examination or the retake should be a minimum of 50. Exams are evaluated on a scale of 100. The final grade of a course is the sum total of %30 of the midterm grade and %70 of the final or the retake examination grades. However, the calculation of the final grade of a course can be determined and announced at the beginning of the semester by the Faculty/College Council as the sum total of ranging between %30 – %50 of the midterm examination and %50 – %70 of the final examination as long as the addition equals to a scale of 100. As a result of the calculation, if the value after the decimal is less than five, the grade is finalized by lowering it to the decimal value; if more than five, upgrading it to the next decimal value.

The regulations can be found on http://oidb.nku.edu.tr/yonetmenlik/2011eos.pdf.

Final and retake grades are submitted to the Student Affairs along with the evaluation criteria. The grades are announced on the student information system.

Grades

The grading system to evaluate the student performance is signified by the values in the chart below. For each course students are graded by letters. Letter grades, coefficients and ratios are as follows:

Grade	Letter Grade	Coefficient	Status
90-100	AA	4.00	Pass
80-89	BA	3.50	Pass
70-79	BB	3.00	Pass
65-69	CB	2.50	Pass
60-64	CC	2.25	Pass
50-59	DD	2.00	Fail
30-49	FD	1.00	Fail
0-29	FF	0.00	Fail

Students are required to retake the courses from which they received DD, FD or FF during the first oncoming semester in which these courses are offered.

Successful Students

Students who complete their associate or undergraduate degree with a grade point average of 3.00 – 3.49 graduate as honor students; 3.50 and above as high honor students.

Graduation Requirements

Teaching Methods

Teaching methods are determined so as to improve skills, such as teaching-learning strategies, self-discipline, life-long learning, observation, sharing knowledge, presentation, critical thinking, teamwork, effective use of informatics.

Moreover, the choice of teaching methods pays heed to supporting students with different skills. The teaching methods used in the program are listed below*:

TEACHING METHODS*	LEARNING ACTIVITIES	MEANS
Course	Listening and interpretation	Standard classroom technologies, multimedia devices, projector, computer, overhead projector
Discussion Course	Listening and interpretation, observation/situation handling, critical thinking, question development	Standard classroom technologies, multimedia devices, projector, computer, overhead projector
Special Support / Structural Examples	Special skills planned beforehand
Playing a Role / Drama	Special skills planned beforehand	Standard classroom technologies, special equipment
Problem Solving	Special skills planned beforehand
Case Study	Special skills planned beforehand
Brainstorming	Listening and interpretation, observation/situation handling, critical thinking, question development, team work	Standard classroom technologies, multimedia devices, projector, computer, overhead projector
Small Group Discussion	Listening and interpretation, observation/situation handling, critical thinking, question development	Standard classroom technologies, multimedia devices, projector, computer, overhead projector
Presentation	Listening and interpretation, observation/situation handling	Real or virtual environment suitable for observation
Simulation	Listening and interpretation, observation/situation handling, informatics skills	Real or virtual environment suitable for observation
Seminar	Research – lifelong learning, writing, reading, informatics, listening and interpretation, management skills	Standard classroom technologies, multimedia devices, projector, computer, overhead projector, special equipment
Group Study	Research – lifelong learning, writing, reading, informatics, critical thinking, question development, management skills, team work
Field / Land Study	Observation / situation handling, research – lifelong learning, writing, reading
Laboratory	Observation/situation handling, informatics, management skills, team work	Special equipment
Homework	Research – lifelong learning, writing, reading, Informatics	Internet database, library database, e-mail
Oral Exam
Survey and Questionnaire Study	Research – lifelong learning, writing, reading
Panel	Listening and interpretation, observation/situation handling	Standard classroom technologies, multimedia devices, projector, computer, overhead projector, special equipment
Guest Speaker	Listening and interpretation, observation/situation handling	Standard classroom technologies, multimedia devices, projector, computer, overhead projector, special equipment
Student Club Activity / Projects	Observation/situation handling, critical thinking, question development, team work, research – lifelong learning, writing, reading, management skills, special skills planned beforehand

*One or more of the listed methods can be used depending on the specificity of the course.

Program Outcomes

1-To think analytically, to analyse and to decide quickly while facing problems.
2-To have knowledge and skills about Banking and Insurance.
3-To know the legal legislation determining the working rules of banking and insurance sector.
4-To be able to follow the innovations about computer and programme technology.
5-To be balanced, consistent and persuasive in human relations.
6-To behave according to professional ethics.
7-To use the office materials effectively.
8-To take on responsibility and to use the authorization given to himself.
9-To be able to work in a team.
10-To be able to follow the developments in finance sector in Turkey and the world.
11-To know a foreign language.
12-To gain the ability to manage time and crisis.

Curriculum

1st Class
Banking And Insurance Business
2024-2025 Fall Semester

Course Code	Course Name	Browse	T	A	ECTS
TİM003	Commercial Mathematics		2	1	3
YDİ103	Foreign Language I(English)		4	0	4
BSZ101	Fundamentals of Banking and Insurance		2	1	4
GNM003	General Accounting		3	1	4
GNE001	General Economics		3	0	3
GHB002	General Knowledge of Law		2	0	3
ATİ101	Principles of Atatürk and History of Turkish Revolution I		2	0	2
TDİ101	Turkish Language I		2	0	2
Elective	BANKACILIK VE SİGORTACILIK 1.SINIF GÜZ DÖNEMİ()				5
KRYP02	Career Planning		2	0	2
BLG109	Computer I		1	1	3
Total ECTS:					30
2024-2025 Spring Semester

Course Code	Course Name	Browse	T	A	ECTS
THB002	Commercial Law Knowledge		2	0	3
TİM003	Commercial Mathematics		2	1	3
BSZ204	Core Banking Services		3	0	3
BSZ202	Financial Institutions and Markets		3	0	4
YDİ104	Foreign Language II (English)		4	0	4
GNE001	General Economics		3	0	3
BSZ201	Period End Accounting Transactions		3	1	4
ATİ102	Principles of Atatürk and History of Turkish Revolution II		2	0	2
İST007	Statistics		2	1	3
TDİ102	Turkish Language II		2	0	2
Elective	BANKACILIK VE SİGORTACILIK 1.SINIF BAHAR DÖNEMİ ()				5
BSS206	Claims and Risk Management		3	0	3
YBS101	Life Competences and Social Activities		2	0	2
Total ECTS:					36
Total ECTS(Year):					66
2nd Class
2024-2025 Fall Semester

Course Code	Course Name	Browse	T	A	ECTS
FİY002	Financial Management		3	1	5
BSZ301	Financial Statements Analysis		3	1	5
Elective	BANKACILIK VE SİGORTACILIK 2.SINIF GÜZ DÖNEMİ()				17
BSS303	Bank Accounting		3	1	5
BSS307	Banking and Insurance Law		2	0	4
BSS306	Bank Transactions I		2	0	2
BSS304	Foreign Trade and Exchange Management		2	0	3
BSS305	Insurance Transactions I		2	0	3
Elective	Üniversite Genel Seçmeli Dersler()				3
UNİSEC-HMYO 006	Foreign Trade and Exchange Management		2	0	3
Total ECTS:					30
2024-2025 Spring Semester

Course Code	Course Name	Browse	T	A	ECTS
MYOSTJ01	Internship		0	2	5
MYOİU01	Workplace Application		3	0	15
MYOİE01	Workplace Training		2	0	10
Elective	BANKACILIK VE SİGORTACILIK 2.SINIF BAHAR DÖNEMİ()				25
BSZ403	Bank Transactions II		2	0	2
BSS406	Electronic Banking and Insurance		3	0	5
BSZ401	Fund and Risk Management in Banking and Insurance		2	1	3
BSZ405	Insurance Accounting		3	1	4
BSZ404	Insurance Transactions II		2	0	3
BSS407	Labor and Social Security Law		3	0	5
BSZ402	Marketing and CRM in Banking and Insurance		2	0	3
Total ECTS:					55
Total ECTS(Year):					85

Matrix of Course - Program Outcomes

TİM003 Commercial Mathematics
#
	4	3	4	3	4	4	4	3	4	3	4	4
	4	3	4	3	4	4	4	3	4	3	4	4
	4	3	4	3	4	4	4	3	4	3	4	4
	4	3	4	3	4	4	4	3	4	3	4	4
	4	3	4	3	4	4	4	3	4	3	4	4
	4	3	4	3	4	4	4	3	4	3	4	4
	4	3	4	3	4	4	4	3	4	3	4	4
	4	3	4	3	4	4	4	3	4	3	4	4

YDİ103 Foreign Language I(English)
#
	1	1	1	1	1	1	1	1	1	1	4	1
	1	1	1	1	1	1	1	1	1	1	4	1
	1	1	1	1	1	1	1	1	1	1	4	1
	1	1	1	1	1	1	1	1	1	1	4	1
	1	1	1	1	1	1	1	1	1	1	4	1
	1	1	1	1	1	1	1	1	1	1	4	1
	1	1	1	1	1	1	1	1	1	1	4	1
	1	1	1	2	1	1	1	1	1	1	4	1
	1	1	1	1	1	1	1	1	1	1	4	2

BSZ101 Fundamentals of Banking and Insurance
#
	3	4	4	2	3	4	3	3	3	3	2	3
	3	4	4	2	3	4	3	3	3	3	2	3
	3	4	4	2	3	4	3	3	3	3	2	3
	3	4	4	2	3	4	3	3	3	3	2	3
	3	4	4	2	3	4	3	3	3	3	2	3
	3	4	4	2	3	4	3	3	3	4	2	3
	3	4	4	2	3	4	3	3	3	4	2	3
	3	4	4	2	3	4	3	3	3	4	2	3

GNM003 General Accounting
#
	3	1	1	1	1	1	2	2	3	3	1	1
	3	1	1	1	1	1	2	2	3	3	1	1
	3	1	1	1	1	1	2	2	3	3	1	1
	3	1	1	1	1	1	2	2	3	3	1	1
	3	1	1	1	1	1	2	2	3	3	1	1
	3	1	1	1	1	1	2	2	3	3	1	1

GNE001 General Economics
#
	3	2	1	1	2	2	1	2	2	4	2	2
	3	2	1	1	2	2	1	2	2	4	2	2
	3	2	1	1	2	2	1	2	2	4	2	2
	3	2	1	1	1	2	1	2	2	4	2	2

GHB002 General Knowledge of Law
#
	1	2	3	2	1	3	1	2	2	1	1	2
	2	1	2	1	1	2	1	3	2	1	1	1
	1	2	2	2	1	1	1	3	1	1	1	1
	2	2	2	3	1	2	1	2	1	1	1	1
	1	1	3	1	2	2	1	3	2	1	1	2
	3	1	3	2	1	2	1	2	2	1	1	2
	1	1	2	1	2	1	1	3	1	1	1	1
	2	2	3	3	2	2	1	1	2	1	1	1
	1	2	3	2	3	1	1	2	1	1	1	2
	3	2	2	1	2	3	1	1	1	1	3	1

ATİ101 Principles of Atatürk and History of Turkish Revolution I
#
	1	1	1	1	1	1	1	1	1	1	1	1
	1	1	1	1	1	1	1	1	1	1	1	1
	1	1	1	1	1	1	1	1	1	1	1	1
	1	1	1	1	1	1	1	1	1	1	1	1
	1	1	1	1	1	1	1	1	1	1	1	1
	1	1	1	1	1	1	1	1	1	1	1	1
	1	1	1	1	1	1	1	1	1	1	1	1
	1	1	1	1	1	1	1	1	1	1	1	1
	1	1	1	1	1	1	1	1	1	1	1	1

KRYP02 Career Planning
#
	3	3	3	3	4	3	4	4	3	3	3	3
	4	3	3	3	4	3	2	4	4	3	2	4
	4	3	3	3	4	3	3	4	4	3	2	4
	4	3	3	3	4	3	3	4	4	3	3	4
	4	3	3	3	4	3	3	4	4	3	2	4
	4	3	3	3	4	3	3	4	4	3	2	4

BLG109 Computer I
#
	3	4	2	3	3	3	2	3	3	3	4	4
	3	4	2	2	3	3	4	3	3	3	4	4
	3	4	2	3	3	3	3	3	3	3	4	4
	3	4	2	2	3	3	3	3	3	3	4	4
	3	4	2	2	3	3	1	3	3	3	4	4
	3	4	2	3	3	3	2	3	3	3	4	4

FİY002 Financial Management
#
	4	4	4	3	4	4	3	4	4	3	4	4
	4	4	4	3	4	4	3	4	4	3	3	4
	3	3	4	3	3	3	3	4	4	4	3	4
	3	4	3	3	4	4	3	4	4	4	3	4
	3	3	3	3	4	4	3	4	4	3	3	3
	4	4	4	4	4	4	3	4	4	3	3	3

BSZ301 Financial Statements Analysis
#
	3	4	4	3	4	4	4	3	3	4	4	4
	4	3	4	4	4	4	3	4	4	4	3	4
	3	4	4	3	4	3	4	4	4	4	3	4
	3	3	4	4	4	4	4	3	4	4	4	4

BSS303 Bank Accounting
#
	4	3	3	1	1	4	3	1	3	1	1	2
	4	3	3	1	1	4	1	3	3	1	3	4
	4	3	2	1	4	4	1	3	3	3	3	2

BSS307 Banking and Insurance Law
#
	3	4	4	2	3	4	3	3	3	3	2	3
	3	4	4	2	3	4	3	3	3	3	2	3
	3	4	4	2	3	4	3	3	3	3	2	3
	3	4	4	2	3	4	3	3	3	3	2	3
	3	4	4	2	3	4	3	3	3	3	2	3

BSS306 Bank Transactions I
#
	3	4	4	2	3	3	3	3	3	4	2	3
	3	4	4	2	3	3	3	3	3	4	2	3
	3	4	4	2	3	3	3	3	3	4	2	3
	3	4	4	2	3	3	3	3	3	4	2	3
	3	4	4	2	3	3	3	3	3	4	2	3

BSS304 Foreign Trade and Exchange Management
#
	4	3	3	1	1	1	1	1	1	4	3	3
	4	3	3	1	1	1	1	1	1	4	3	3
	4	3	3	1	1	1	1	1	1	4	3	3

BSS305 Insurance Transactions I
#
	3	4	4	2	3	4	3	4	3	4	2	3
	3	4	4	2	3	4	3	4	3	4	2	3
	3	4	4	2	3	4	3	4	3	4	2	3
	3	4	4	2	3	4	3	4	3	4	2	3
	3	4	4	2	3	4	3	4	3	4	2	3
	3	4	4	2	3	4	3	4	3	4	2	3
	3	4	4	2	3	4	3	4	3	4	2	3

UNİSEC-HMYO 006 Foreign Trade and Exchange Management
#
	2	4	3	3	2	2	3	3	3	3	3	3
	2	3	2	3	2	2	3	3	3	2	3	2
	2	2	2	3	2	3	2	3	2	3	3	3
	1	1	1	3	2	2	2	2	3	2	3	2
	1	1	1	2	2	2	2	3	3	3	4	3

KRYP02 Career Planning
#
	3	3	3	3	4	3	4	4	3	3	3	3
	4	3	3	3	4	3	2	4	4	3	2	4
	4	3	3	3	4	3	3	4	4	3	2	4
	4	3	3	3	4	3	3	4	4	3	3	4
	4	3	3	3	4	3	3	4	4	3	2	4
	4	3	3	3	4	3	3	4	4	3	2	4

BLG109 Computer I
#
	3	4	2	3	3	3	2	3	3	3	4	4
	3	4	2	2	3	3	4	3	3	3	4	4
	3	4	2	3	3	3	3	3	3	3	4	4
	3	4	2	2	3	3	3	3	3	3	4	4
	3	4	2	2	3	3	1	3	3	3	4	4
	3	4	2	3	3	3	2	3	3	3	4	4

FİY002 Financial Management
#
	4	4	4	3	4	4	3	4	4	3	4	4
	4	4	4	3	4	4	3	4	4	3	3	4
	3	3	4	3	3	3	3	4	4	4	3	4
	3	4	3	3	4	4	3	4	4	4	3	4
	3	3	3	3	4	4	3	4	4	3	3	3
	4	4	4	4	4	4	3	4	4	3	3	3

BSS307 Banking and Insurance Law
#
	3	4	4	2	3	4	3	3	3	3	2	3
	3	4	4	2	3	4	3	3	3	3	2	3
	3	4	4	2	3	4	3	3	3	3	2	3
	3	4	4	2	3	4	3	3	3	3	2	3
	3	4	4	2	3	4	3	3	3	3	2	3

BSS306 Bank Transactions I
#
	3	4	4	2	3	3	3	3	3	4	2	3
	3	4	4	2	3	3	3	3	3	4	2	3
	3	4	4	2	3	3	3	3	3	4	2	3
	3	4	4	2	3	3	3	3	3	4	2	3
	3	4	4	2	3	3	3	3	3	4	2	3

BSS305 Insurance Transactions I
#
	3	4	4	2	3	4	3	4	3	4	2	3
	3	4	4	2	3	4	3	4	3	4	2	3
	3	4	4	2	3	4	3	4	3	4	2	3
	3	4	4	2	3	4	3	4	3	4	2	3
	3	4	4	2	3	4	3	4	3	4	2	3
	3	4	4	2	3	4	3	4	3	4	2	3
	3	4	4	2	3	4	3	4	3	4	2	3

UNİSEC-HMYO 006 Foreign Trade and Exchange Management
#
	2	4	3	3	2	2	3	3	3	3	3	3
	2	3	2	3	2	2	3	3	3	2	3	2
	2	2	2	3	2	3	2	3	2	3	3	3
	1	1	1	3	2	2	2	2	3	2	3	2
	1	1	1	2	2	2	2	3	3	3	4	3

KRYP02 Career Planning
#
	3	3	3	3	4	3	4	4	3	3	3	3
	4	3	3	3	4	3	2	4	4	3	2	4
	4	3	3	3	4	3	3	4	4	3	2	4
	4	3	3	3	4	3	3	4	4	3	3	4
	4	3	3	3	4	3	3	4	4	3	2	4
	4	3	3	3	4	3	3	4	4	3	2	4

BLG109 Computer I
#
	3	4	2	3	3	3	2	3	3	3	4	4
	3	4	2	2	3	3	4	3	3	3	4	4
	3	4	2	3	3	3	3	3	3	3	4	4
	3	4	2	2	3	3	3	3	3	3	4	4
	3	4	2	2	3	3	1	3	3	3	4	4
	3	4	2	3	3	3	2	3	3	3	4	4

FİY002 Financial Management
#
	4	4	4	3	4	4	3	4	4	3	4	4
	4	4	4	3	4	4	3	4	4	3	3	4
	3	3	4	3	3	3	3	4	4	4	3	4
	3	4	3	3	4	4	3	4	4	4	3	4
	3	3	3	3	4	4	3	4	4	3	3	3
	4	4	4	4	4	4	3	4	4	3	3	3

BSS307 Banking and Insurance Law
#
	3	4	4	2	3	4	3	3	3	3	2	3
	3	4	4	2	3	4	3	3	3	3	2	3
	3	4	4	2	3	4	3	3	3	3	2	3
	3	4	4	2	3	4	3	3	3	3	2	3
	3	4	4	2	3	4	3	3	3	3	2	3

BSS306 Bank Transactions I
#
	3	4	4	2	3	3	3	3	3	4	2	3
	3	4	4	2	3	3	3	3	3	4	2	3
	3	4	4	2	3	3	3	3	3	4	2	3
	3	4	4	2	3	3	3	3	3	4	2	3
	3	4	4	2	3	3	3	3	3	4	2	3

BSS305 Insurance Transactions I
#
	3	4	4	2	3	4	3	4	3	4	2	3
	3	4	4	2	3	4	3	4	3	4	2	3
	3	4	4	2	3	4	3	4	3	4	2	3
	3	4	4	2	3	4	3	4	3	4	2	3
	3	4	4	2	3	4	3	4	3	4	2	3
	3	4	4	2	3	4	3	4	3	4	2	3
	3	4	4	2	3	4	3	4	3	4	2	3

UNİSEC-HMYO 006 Foreign Trade and Exchange Management
#
	2	4	3	3	2	2	3	3	3	3	3	3
	2	3	2	3	2	2	3	3	3	2	3	2
	2	2	2	3	2	3	2	3	2	3	3	3
	1	1	1	3	2	2	2	2	3	2	3	2
	1	1	1	2	2	2	2	3	3	3	4	3

KRYP02 Career Planning
#
	3	3	3	3	4	3	4	4	3	3	3	3
	4	3	3	3	4	3	2	4	4	3	2	4
	4	3	3	3	4	3	3	4	4	3	2	4
	4	3	3	3	4	3	3	4	4	3	3	4
	4	3	3	3	4	3	3	4	4	3	2	4
	4	3	3	3	4	3	3	4	4	3	2	4

BLG109 Computer I
#
	3	4	2	3	3	3	2	3	3	3	4	4
	3	4	2	2	3	3	4	3	3	3	4	4
	3	4	2	3	3	3	3	3	3	3	4	4
	3	4	2	2	3	3	3	3	3	3	4	4
	3	4	2	2	3	3	1	3	3	3	4	4
	3	4	2	3	3	3	2	3	3	3	4	4

FİY002 Financial Management
#
	4	4	4	3	4	4	3	4	4	3	4	4
	4	4	4	3	4	4	3	4	4	3	3	4
	3	3	4	3	3	3	3	4	4	4	3	4
	3	4	3	3	4	4	3	4	4	4	3	4
	3	3	3	3	4	4	3	4	4	3	3	3
	4	4	4	4	4	4	3	4	4	3	3	3

BSS307 Banking and Insurance Law
#
	3	4	4	2	3	4	3	3	3	3	2	3
	3	4	4	2	3	4	3	3	3	3	2	3
	3	4	4	2	3	4	3	3	3	3	2	3
	3	4	4	2	3	4	3	3	3	3	2	3
	3	4	4	2	3	4	3	3	3	3	2	3

BSS306 Bank Transactions I
#
	3	4	4	2	3	3	3	3	3	4	2	3
	3	4	4	2	3	3	3	3	3	4	2	3
	3	4	4	2	3	3	3	3	3	4	2	3
	3	4	4	2	3	3	3	3	3	4	2	3
	3	4	4	2	3	3	3	3	3	4	2	3

BSS305 Insurance Transactions I
#
	3	4	4	2	3	4	3	4	3	4	2	3
	3	4	4	2	3	4	3	4	3	4	2	3
	3	4	4	2	3	4	3	4	3	4	2	3
	3	4	4	2	3	4	3	4	3	4	2	3
	3	4	4	2	3	4	3	4	3	4	2	3
	3	4	4	2	3	4	3	4	3	4	2	3
	3	4	4	2	3	4	3	4	3	4	2	3

UNİSEC-HMYO 006 Foreign Trade and Exchange Management
#
	2	4	3	3	2	2	3	3	3	3	3	3
	2	3	2	3	2	2	3	3	3	2	3	2
	2	2	2	3	2	3	2	3	2	3	3	3
	1	1	1	3	2	2	2	2	3	2	3	2
	1	1	1	2	2	2	2	3	3	3	4	3