\documentclass[10pt,a4paper]{article}

% Packages
\usepackage{fancyhdr}           % For header and footer
\usepackage{multicol}           % Allows multicols in tables
\usepackage{tabularx}           % Intelligent column widths
\usepackage{tabulary}           % Used in header and footer
\usepackage{hhline}             % Border under tables
\usepackage{graphicx}           % For images
\usepackage{xcolor}             % For hex colours
%\usepackage[utf8x]{inputenc}    % For unicode character support
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\usepackage{colortbl}           % For coloured tables
\usepackage{setspace}           % For line height
\usepackage{lastpage}           % Needed for total page number
\usepackage{seqsplit}           % Splits long words.
%\usepackage{opensans}          % Can't make this work so far. Shame. Would be lovely.
\usepackage[normalem]{ulem}     % For underlining links
% Most of the following are not required for the majority
% of cheat sheets but are needed for some symbol support.
\usepackage{amsmath}            % Symbols
\usepackage{MnSymbol}           % Symbols
\usepackage{wasysym}            % Symbols
%\usepackage[english,german,french,spanish,italian]{babel}              % Languages

% Document Info
\author{fouriegizelle}
\pdfinfo{
  /Title (commerce-summary.pdf)
  /Creator (Cheatography)
  /Author (fouriegizelle)
  /Subject (commerce summary Cheat Sheet)
}

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% This two commands together give roughly
% the right line height in the tables
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% Commands
\newcommand{\SetRowColor}[1]{\noalign{\gdef\RowColorName{#1}}\rowcolor{\RowColorName}} % Shortcut for row colour
\newcommand{\mymulticolumn}[3]{\multicolumn{#1}{>{\columncolor{\RowColorName}}#2}{#3}} % For coloured multi-cols
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\newcommand{\tn}{\tabularnewline} % Required as custom column type in use

% Font and Colours
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\renewcommand{\familydefault}{\sfdefault}
\color{TextColor}

% Header and Footer
\pagestyle{fancy}
\fancyhead{} % Set header to blank
\fancyfoot{} % Set footer to blank
\fancyhead[L]{
\noindent
\begin{multicols}{3}
\begin{tabulary}{5.8cm}{C}
    \SetRowColor{DarkBackground}
    \vspace{-7pt}
    {\parbox{\dimexpr\textwidth-2\fboxsep\relax}{\noindent
        \hspace*{-6pt}\includegraphics[width=5.8cm]{/web/www.cheatography.com/public/images/cheatography_logo.pdf}}
    }
\end{tabulary}
\columnbreak
\begin{tabulary}{11cm}{L}
    \vspace{-2pt}\large{\bf{\textcolor{DarkBackground}{\textrm{commerce summary Cheat Sheet}}}} \\
    \normalsize{by \textcolor{DarkBackground}{fouriegizelle} via \textcolor{DarkBackground}{\uline{cheatography.com/195365/cs/40910/}}}
\end{tabulary}
\end{multicols}}

\fancyfoot[L]{ \footnotesize
\noindent
\begin{multicols}{3}
\begin{tabulary}{5.8cm}{LL}
  \SetRowColor{FootBackground}
  \mymulticolumn{2}{p{5.377cm}}{\bf\textcolor{white}{Cheatographer}}  \\
  \vspace{-2pt}fouriegizelle \\
  \uline{cheatography.com/fouriegizelle} \\
  \end{tabulary}
\vfill
\columnbreak
\begin{tabulary}{5.8cm}{L}
  \SetRowColor{FootBackground}
  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Cheat Sheet}}  \\
   \vspace{-2pt}Not Yet Published.\\
   Updated 19th October, 2023.\\
   Page {\thepage} of \pageref{LastPage}.
\end{tabulary}
\vfill
\columnbreak
\begin{tabulary}{5.8cm}{L}
  \SetRowColor{FootBackground}
  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Sponsor}}  \\
  \SetRowColor{white}
  \vspace{-5pt}
  %\includegraphics[width=48px,height=48px]{dave.jpeg}
  Measure your website readability!\\
  www.readability-score.com
\end{tabulary}
\end{multicols}}




\begin{document}
\raggedright
\raggedcolumns

% Set font size to small. Switch to any value
% from this page to resize cheat sheet text:
% www.emerson.emory.edu/services/latex/latex_169.html
\footnotesize % Small font.

\begin{multicols*}{2}

\begin{tabularx}{8.4cm}{x{2.8 cm} x{5.2 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{Towards Independence}}  \tn
% Row 0
\SetRowColor{LightBackground}
{\bf{Bond}} & money that is used to cover any damage or cleaning costs if the rented premises are left in bad condition \tn 
% Row Count 5 (+ 5)
% Row 1
\SetRowColor{white}
{\bf{Community Services}} & services largely funded from within the community to provide something that is desirable but not profit making \tn 
% Row Count 10 (+ 5)
% Row 2
\SetRowColor{LightBackground}
{\bf{Insurance}} & the payment of an amount of money that covers a person or property in an event of loss, damage or accident \tn 
% Row Count 15 (+ 5)
% Row 3
\SetRowColor{white}
{\bf{Lease}} & a legal document that defines the conditions of the rental agreement between the tenant and the landlord \tn 
% Row Count 19 (+ 4)
% Row 4
\SetRowColor{LightBackground}
{\bf{Payday Loan}} & a relatively small amount of money lent at a high rate of interest on the agreement that it will be repaid when the borrower receives their next paycheck \tn 
% Row Count 25 (+ 6)
% Row 5
\SetRowColor{white}
{\bf{Premium}} & an amount to be paid for an insurance policy \tn 
% Row Count 27 (+ 2)
% Row 6
\SetRowColor{LightBackground}
{\bf{Sharing Economy}} & involves people sharing their possessions for payment \tn 
% Row Count 30 (+ 3)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{8.4cm}{x{2.48 cm} x{5.52 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{Law in Action}}  \tn
% Row 0
\SetRowColor{LightBackground}
{\bf{Actus Rea}} & the guilty action, you have committed a crime \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
{\bf{Actus Reus}} & the prosecution has to prove they committed the act, the act occurred, done by the person they say it was done by, and that it was voluntary \tn 
% Row Count 8 (+ 6)
% Row 2
\SetRowColor{LightBackground}
{\bf{Civil Law}} & deals with non-criminal matters involving disputes between individuals and organisations conciliation \tn 
% Row Count 12 (+ 4)
% Row 3
\SetRowColor{white}
{\bf{Criminal Law}} & law involving cases where the government has declared some action to be illegal \tn 
% Row Count 15 (+ 3)
% Row 4
\SetRowColor{LightBackground}
{\bf{Defendant}} & the party in a criminal or civil trial against whom an action has been bought \tn 
% Row Count 18 (+ 3)
% Row 5
\SetRowColor{white}
{\bf{Legal Capacity}} & the ability of a person to do something \tn 
% Row Count 20 (+ 2)
% Row 6
\SetRowColor{LightBackground}
{\bf{Mens Rea}} & that the accused had the intention of committing the wrongful act \tn 
% Row Count 23 (+ 3)
% Row 7
\SetRowColor{white}
{\bf{Negligence}} & the failure to exercise proper care, which could result in another person being injured or suffering a risk \tn 
% Row Count 27 (+ 4)
% Row 8
\SetRowColor{LightBackground}
{\bf{Plaintiff}} & the party who takes the case to court in a civil case \tn 
% Row Count 29 (+ 2)
% Row 9
\SetRowColor{white}
{\bf{Sue}} & to bring a civil action against another person for causing damage or inj \tn 
% Row Count 32 (+ 3)
\end{tabularx}
\par\addvspace{1.3em}

\vfill
\columnbreak
\begin{tabularx}{8.4cm}{x{2.48 cm} x{5.52 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{Law in Action (cont)}}  \tn
% Row 10
\SetRowColor{LightBackground}
{\bf{Trial}} & a process to determine whether someone committed a criminal act or caused another person a loss \tn 
% Row Count 4 (+ 4)
% Row 11
\SetRowColor{white}
{\bf{Victim}} & a person who is injured or killed by another person in an act of violence \tn 
% Row Count 7 (+ 3)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{8.4cm}{x{3.84 cm} x{4.16 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{Example Questions}}  \tn
% Row 0
\SetRowColor{LightBackground}
{\bf{three major purchases}} & mobile phone, car, property \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
{\bf{recurring costs of a car}} & insurance, registration, servicing, fuel \tn 
% Row Count 4 (+ 2)
% Row 2
\SetRowColor{LightBackground}
{\bf{consideration when buying a car}} & lifestyle, time, fuel economy, cost of insurances, time to pay the loan, size of the car \tn 
% Row Count 9 (+ 5)
% Row 3
\SetRowColor{white}
{\bf{types of insurances}} & household, motor vehicle, personal, pet, marine + workers compensation \tn 
% Row Count 13 (+ 4)
% Row 4
\SetRowColor{LightBackground}
{\bf{considerations when leaving home}} & planning + preparation, building independence, adapting to change \tn 
% Row Count 17 (+ 4)
% Row 5
\SetRowColor{white}
{\bf{benefits of community involvement}} & higher levels of satisfaction, sense of belong + purpose, allow for desire service without payment \tn 
% Row Count 22 (+ 5)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{8.4cm}{X}
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\mymulticolumn{1}{x{8.4cm}}{\bf\textcolor{white}{NESA Verbs}}  \tn
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\hhline{>{\arrayrulecolor{DarkBackground}}-}
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\par\addvspace{1.3em}

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\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}


% That's all folks
\end{multicols*}

\end{document}