Ruchika Khandelwal

business colour building material interior design design wood swaps stock market bonds risk financial derivatives hedge risk speculating volatility varnish wood polish business intelligence option forward future financial investment derivative lifestyle illustration fashion case study bailment law business management values morality harmony unity rhythm proportion emphasis balance light pattern formation texture line the principles the elements basics of design composition decorative material furniture laminate melamine polyurethane matt semiglossy glossy water turpentine spirit oilvarnish building business ethics