Find an equation of the tangent plane to the parametric surface represented by r at the specified point. 
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Definitions:
Contract Is Signed
The formal agreement between parties becomes legally binding when all necessary signatures are affixed to the document.
Cash Flow From Assets
The total amount of money being transferred into and out of a company's assets, indicating the company's financial health and operational efficiency.
Operating Cash Flow
The cash generated by a company's normal business operations, reflecting its ability to generate sufficient cash to meet its needs.
Net New Borrowing
Net new borrowing is the difference between the amounts a company borrows and repays during a specific period, reflecting changes in its debt level.
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