Provide the name of the company you chose and describe something interesting you found in the MD&A.

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The company I chose is Apple Inc. One interesting thing I found in the Management’s Discussion and Analysis (MD&A) section of their annual report was that they have been investing heavily in research and development, with expenditures increasing 28% year-over-year to $14.2 billion in 2019. Apple Inc. has used this investment to launch new products and services such as Apple Card, Apple Pay and other secure payment options. They are investing as well in the growth of their digital content by producing original TV shows, films and developing their streaming service. The company has made a number of investments to demonstrate its commitment to innovation and the ability to change with changing consumer needs.