Provide a buy or sell recommendation and an estimated price target. Should include the following 5 sections:

1) Background of the company with a life cycle analysis
2) Analysis of Return on Equity
3) The company's future growth rate of earnings
4) Analysis of its required rate of return using the CAPM
5) Intrinsic value calculation using discount valuation techniques

Decide if the current price is overvalued or undervalued with respect to your calculated intrinsic stock price. State why the stock price is over-or undervalued, show your calculations, and state the assumptions (why are you using a certain growth rate or capitalization rate, for example) that you based your decision on.

Describe the competitive forces in the industry including the company's relative advantages and disadvantages to its competitors and include a discussion on ROE as the basis for growth.

This analysis should include demographic trends. Include references