\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
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%\usepackage[utf8x]{inputenc}    % For unicode character support
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\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{jf666}
\pdfinfo{
  /Title (finance-101.pdf)
  /Creator (Cheatography)
  /Author (jf666)
  /Subject (Finance 101 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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% 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{Finance 101 Cheat Sheet}}}} \\
    \normalsize{by \textcolor{DarkBackground}{jf666} via \textcolor{DarkBackground}{\uline{cheatography.com/104083/cs/21307/}}}
\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}jf666 \\
  \uline{cheatography.com/jf666} \\
  \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 5th December, 2019.\\
   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*}{3}

\begin{tabularx}{5.377cm}{x{1.05271 cm} x{1.78503 cm} x{1.73926 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{3}{x{5.377cm}}{\bf\textcolor{white}{Assets and Liabilities}}  \tn
% Row 0
\SetRowColor{LightBackground}
Assets & Future economic benefit from a past transition &  \tn 
% Row Count 4 (+ 4)
% Row 1
\SetRowColor{white}
\seqsplit{Liabilities} & Future sacrifices as a result of a past transaction &  \tn 
% Row Count 8 (+ 4)
% Row 2
\SetRowColor{LightBackground}
{\bf{Accounts Receivable}} & Money that the buyer owes the seller & Under {\bf{assets}} on Balance Sheet \tn 
% Row Count 11 (+ 3)
% Row 3
\SetRowColor{white}
{\bf{Accounts Payable}} & Money a company owes to suppliers for items that have been received, but not paid & Under {\bf{liabilities}} on balance sheet. \tn 
% Row Count 17 (+ 6)
\hhline{>{\arrayrulecolor{DarkBackground}}---}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Equity}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Residual interest in assets after subtracting liabilities} \tn 
% Row Count 2 (+ 2)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{2.68758 cm} x{2.28942 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{Balance Sheet}}  \tn
% Row 0
\SetRowColor{LightBackground}
{\bf{Assets}} & {\bf{Liabilities}} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
\textasciicircum{}-Accounts Receivable\textasciicircum{} & \textasciicircum{}-Accounts Payable\textasciicircum{} \tn 
% Row Count 3 (+ 2)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{\textasciicircum{}-Cash\textasciicircum{}} \tn 
% Row Count 4 (+ 1)
% Row 3
\SetRowColor{white}
\mymulticolumn{2}{x{5.377cm}}{\textasciicircum{}-Inventory, Equipment\textasciicircum{}} \tn 
% Row Count 5 (+ 1)
% Row 4
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\mymulticolumn{2}{x{5.377cm}}{{\bf{=Equity}}} \tn 
% Row Count 6 (+ 1)
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\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Accounting Ratios}}  \tn
% Row 0
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\mymulticolumn{1}{x{5.377cm}}{Solvency (Long-Term)} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{-Measure w/{\bf{Debt Ratio}}} \tn 
% Row Count 2 (+ 1)
% Row 2
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\mymulticolumn{1}{x{5.377cm}}{Liquidity (Short-Term)} \tn 
% Row Count 3 (+ 1)
% Row 3
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\mymulticolumn{1}{x{5.377cm}}{-Measure w/{\bf{Quick Ratio}}} \tn 
% Row Count 4 (+ 1)
% Row 4
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\mymulticolumn{1}{x{5.377cm}}{Profitability} \tn 
% Row Count 5 (+ 1)
% Row 5
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\mymulticolumn{1}{x{5.377cm}}{-Measure w/{\bf{Gross Profit Margin}}} \tn 
% Row Count 6 (+ 1)
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\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Amortization}}  \tn
% Row 0
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\mymulticolumn{1}{x{5.377cm}}{Expense the cost of asset over the projected lifespan} \tn 
% Row Count 2 (+ 2)
% Row 1
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\mymulticolumn{1}{x{5.377cm}}{For intangible assets} \tn 
% Row Count 3 (+ 1)
% Row 2
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\mymulticolumn{1}{x{5.377cm}}{Ex. Patents, Trademarks, Goodwill} \tn 
% Row Count 4 (+ 1)
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\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
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\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Depreciation}}  \tn
% Row 0
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\mymulticolumn{1}{x{5.377cm}}{Write of an asset's value over a period of time} \tn 
% Row Count 1 (+ 1)
% Row 1
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\mymulticolumn{1}{x{5.377cm}}{For tangible assets} \tn 
% Row Count 2 (+ 1)
% Row 2
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\mymulticolumn{1}{x{5.377cm}}{Ex. Equipment} \tn 
% Row Count 3 (+ 1)
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\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{2.19696 cm} x{1.92234 cm} p{0.4577 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{3}{x{5.377cm}}{\bf\textcolor{white}{Income Statement}}  \tn
% Row 0
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{\bf{(Revenue +{\emph{ Gains}})}} & {\bf{(Expenses + {\emph{Losses}})}} &  \tn 
% Row Count 2 (+ 2)
% Row 1
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% Row Count 3 (+ 1)
% Row 2
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% Row Count 4 (+ 1)
% Row 3
\SetRowColor{white}
\mymulticolumn{3}{x{5.377cm}}{\textasciicircum{}-Pretax Profit = (Gross Profit-Operating Expenses)\textasciicircum{}} \tn 
% Row Count 6 (+ 2)
% Row 4
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\mymulticolumn{3}{x{5.377cm}}{\textasciicircum{}-After tax Profit\textasciicircum{}} \tn 
% Row Count 7 (+ 1)
\hhline{>{\arrayrulecolor{DarkBackground}}---}
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\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
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\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Formulas}}  \tn
% Row 0
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% Row Count 1 (+ 1)
% Row 1
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% Row Count 2 (+ 1)
% Row 2
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\mymulticolumn{1}{x{5.377cm}}{{\bf{Quick Ratio}}} \tn 
% Row Count 3 (+ 1)
% Row 3
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% Row Count 4 (+ 1)
% Row 4
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\mymulticolumn{1}{x{5.377cm}}{{\bf{Debt Ratio}}} \tn 
% Row Count 5 (+ 1)
% Row 5
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\mymulticolumn{1}{x{5.377cm}}{Total Liabilities/Total Assets} \tn 
% Row Count 6 (+ 1)
% Row 6
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\mymulticolumn{1}{x{5.377cm}}{{\bf{Gross Profit Margin}}} \tn 
% Row Count 7 (+ 1)
% Row 7
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Gross Profit/Revenue} \tn 
% Row Count 8 (+ 1)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Components of Debt}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Principle} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Term} \tn 
% Row Count 2 (+ 1)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Interest Rate} \tn 
% Row Count 3 (+ 1)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{LTV Ratio} \tn 
% Row Count 4 (+ 1)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}


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

\end{document}