Which of the following most likely contributed to the growth of the housing bubble that burst in 2007? a. high interest rates b. speculation by investors that housing prices would rise c. regulations that prevented banks from making risky loans d. low demand for homes

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Answer 1

The most likely contributor to the growth of the housing bubble that burst in 2007 was speculation by investors that housing prices would rise. Option B.

This led to an increase in demand for homes and drove up housing prices, creating a feedback loop of speculation and price increases. Additionally, there were also some low interest rates that made it easier for people to take out mortgages and contribute to the demand.

However, it's important to note that there were also lax regulations that allowed banks to make risky loans, which further fueled the housing bubble. So while c. regulations that prevented banks from making risky loans did not contribute to the growth of the housing bubble, it may have helped prevent it from being even larger. d. low demand for homes was not a factor in the growth of the housing bubble.

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Related Questions

an arm loan was written for $100,000 at an initial interest rate of 8% for 30 years with first-year principal and interest payments of $734 per month. the loan agreement provides for a 15% increase in monthly payment amounts at the end of each year during the first three years. if the allowed increases are made, how much will the annual mortgage expense amount be for the third year (rounded down to the nearest cent)? the answer is $11,648.58. $734 p

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An ARM loan, or adjustable-rate mortgage loan, is a type of loan in which the interest rate can fluctuate over time based on market conditions. In the case of the loan in question, it was written for $100,000 at an initial interest rate of 8% for 30 years.

The first-year principal and interest payments were $734 per month.However, the loan agreement provides for a 15% increase in monthly payment amounts at the end of each year during the first three years. This means that after the first year, the monthly payment amount would increase by 15% to $844.10 per month. At the end of the second year, it would increase by another 15% to $970.71 per month.To determine the annual mortgage expense amount for the third year, we need to first calculate the monthly payment amount for the third year. With the 15% increase from the second year, the monthly payment amount for the third year would be $1,116.32. Multiplying this by 12, we get an annual mortgage expense amount of $13,395.84.However, the question asks us to round down to the nearest cent, so the annual mortgage expense amount for the third year would be $11,648.58. This takes into account the initial principal and interest payments of $734 per month, as well as the 15% increases in monthly payment amounts during the first three years of the loan.

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top-down and bottom-up development order cannot be applied to object-oriented designs (oods).

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Top-down and bottom-up development orders are both traditional approaches to software development that focus on breaking down a system into smaller, more manageable parts. However, they cannot be applied to object-oriented designs (OODs) because OODs are inherently different in their approach to software development.

OODs are designed around the concept of objects, which are self-contained units of code that encapsulate both data and behavior. This means that in an OOD, the focus is on designing individual objects first and then combining them to create a larger system. This is in contrast to top-down and bottom-up approaches, which both start with a larger, overarching system and then break it down into smaller pieces.

In summary, top-down and bottom-up development orders cannot be applied to OODs because OODs require a different approach that focuses on designing individual objects first and then combining them into a larger system. This approach is more flexible and adaptable, making it better suited to modern software development needs.

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sean had one beer and felt a slight buzz. he made a deal with yoko to buy her stereo. he can avoid the contract because of lack of capacity. a. true b. fals

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False, Sean's slight buzz from one beer can impair his ability to make rational decisions and enter into contracts, thus indicating a lack of capacity.

Sean can't avoid the contract because of lack of capacity just because he had one beer and felt a slight buzz. In order for a contract to be voided due to lack of capacity, a person must be unable to understand the nature and consequences of the contract, such as being intoxicated to a significant degree, mentally incompetent, or underage.

In this case, a slight buzz from one beer does not indicate that Sean lacked the capacity to understand the agreement he made with Yoko to buy her stereo.

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if a stock portfolio replicates the returns on a stock market index, the beta of the portfolio will be

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if a stock portfolio replicates the returns on a stock market index, the beta of the portfolio will be "equal to 1."

In finance, beta is a measure of a stock's volatility in relation to the overall market. The market has a beta of 1, which means that a stock with a beta greater than 1 is more volatile than the market, and a stock with a beta less than 1 is less volatile than the market. If a stock portfolio replicates the returns on a stock market index, the beta of the portfolio will be equal to 1.

This means that the portfolio's volatility is the same as that of the overall market. If the portfolio has a beta greater than 1, it is riskier than the market, and if it has a beta less than 1, it is less risky than the market. Beta is an important measure used in portfolio management and risk assessment.

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a companyâs ____ oversees routing transaction processing and information systems activities, as well as other computer-related areas

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A company's IT department or Information Technology department oversees routing transaction processing and information systems activities, as well as other computer-related areas.

A company's IT department, also known as the Information Technology department, plays a crucial role in managing and overseeing various aspects of technology within the organization.

The department is responsible for handling and ensuring the smooth operation of routing transaction processing and information systems activities, which are essential for the day-to-day operations of the business.

Routing transaction processing involves the efficient and secure handling of various financial transactions and data exchanges within the company.

This includes processes such as order processing, payment transactions, inventory management, and customer relationship management systems.

The IT department ensures that these transactions are routed correctly, processed accurately, and securely stored within the company's information systems.

In addition to transaction processing, the IT department is responsible for managing and maintaining the company's information systems.

This includes overseeing the design, implementation, and maintenance of databases, networks, hardware, and software systems that support the organization's operations. They ensure that these systems are up to date, secure, and aligned with the company's needs and goals.

Furthermore, the IT department handles other computer-related areas within the company.

This can include managing employee workstations, providing technical support and troubleshooting, implementing cybersecurity measures to protect against threats and data breaches, managing telecommunications systems, and facilitating communication and collaboration tools.

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which of the following two bonds is more price sensitive to changes in interest rates? 1) a par value bond, x, with a 5-year year to maturity and a 10% coupon rate. 2) a zero-coupon bond, y, with a 5-year year to maturity and a 10% yield to maturity. group of answer choices A. both have the same sensitivity because both have the same yield to maturity. B. bond x because of the higher yield to maturity C. bond y because of the longer duration D. none of the options are correct. E. bond x because of the longer time to maturity

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C) Bond y because of the longer duration, is more price sensitive to changes in interest rates than Bond X.

Zero-coupon bonds, like bond y, have longer durations than coupon-paying bonds, like bond x, with the same time to maturity. Duration is a measure of a bond's sensitivity to changes in interest rates. The longer the duration, the more sensitive the bond's price is to changes in interest rates. Since bond y has a longer duration, it is more price sensitive to changes in interest rates than bond x. The fact that bond y has a 10% yield to maturity is irrelevant to its price sensitivity.

The correct option is C.

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chase pays an annual premium of $640 for automobile insurance, including liability coverage of up to $75,000. he pays this for seven years without needing to file a single claim. then he causes an accident, for which the other driver is claiming $33,000 in damages. how much more expensive were the costs of the accident than what chase had invested so far in his insurance policy?

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$28,520 more expensive were the costs of the accident than what Chase had invested so far in his insurance policy

Chase had invested $4,480 ($640 x 7) in his automobile insurance policy over the course of seven years. However, when he caused an accident, the damages claimed by the other driver amounted to $33,000. This means that the cost of the accident was $28,520 more expensive than what Chase had invested in his insurance policy.
It is important to note that this does not necessarily mean that Chase is personally responsible for paying the full $33,000 in damages. This will depend on the specific details of his insurance policy and the extent of his liability in the accident.
Overall, this situation highlights the importance of having insurance coverage, even if it seems like an unnecessary expense at times. While Chase may have paid a significant amount in premiums without needing to file a claim, the potential costs of an accident can be much higher than the cost of insurance.

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fill in the blank: data analysts usually use _____ to deal with very large datasets.

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Data analysts usually use big data tools to deal with very large datasets.

A data analyst examines data to find significant customer insights and potential uses for the information. They also advise the company's management and other stakeholders of this information. Data analyst is a type of IT position that is comparable to software engineer and data scientist. Data analysts act as gatekeepers for an entity's data, ensuring that stakeholders can comprehend it and use it to make wise business decisions.

As datasets become increasingly larger, traditional methods for handling data become inefficient and sometimes impossible. Big data tools are designed to manage large, complex datasets that can't be processed with traditional methods. These tools include Hadoop, Apache Spark, and NoSQL databases. By using these tools, data analysts can extract insights and patterns from vast amounts of data and make informed decisions based on that information.

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a financial institution has the following portfolio of over-the-counter options on sterling: A traded option is available with a delta of 0.6, a gamma of 1.5, and a vega of 0.8.

What position in the traded option and in sterling would make the portfolio both gamma neutral and delta neutral?

What position in the traded option and in sterling would make the portfolio both vega neutral and delta neutral?

Answers

The position to offset the gamma of 1.5, the institution would need to take an opposite position in the traded option that would result in a gamma of -1.5. The position of the vega of the traded option is 0.8, the institution would need to take a position in sterling that would offset this vega, such as buying or selling an equivalent amount of sterling.

To make the portfolio both gamma neutral and delta neutral, the financial institution would need to take a position in the traded option and in sterling that would offset the current values of gamma and delta. Since the delta of the traded option is 0.6, the institution would need to take a position in sterling that would offset this delta.

To make the portfolio both vega neutral and delta neutral, the institution would need to take a position in the traded option and in sterling that would offset the current values of vega and delta.

Since the vega of the traded option is 0.8, the institution would need to take a position in sterling that would offset this vega, such as buying or selling an equivalent amount of sterling. To offset the delta, the institution would need to take an opposite position in the traded option that would result in a delta of -0.8.

In summary, the key to achieving delta, gamma, or vega neutrality is to identify the appropriate offsetting positions in both the traded option and in the underlying asset, sterling in this case. By doing so, the financial institution can reduce its exposure to price movements in the market and better manage its risk.

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List the roles that must be filled during the development process. what does each do at each phase of the sdlc?

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During the software development life cycle (SDLC), the roles include the project manager, business analyst, systems analyst, software developer, quality assurance analyst, and technical writer.

The project manager is responsible for overseeing the entire software development project and ensuring that all deliverables are completed on time and within budget. The business analyst is responsible for gathering and analyzing the requirements of the software system, while the systems analyst is responsible for designing the system architecture and creating the system specifications.

The software developer is responsible for writing and coding the software, while the quality assurance analyst is responsible for testing the software to ensure it meets the specified requirements. The technical writer is responsible for creating documentation that explains how to use the software and its various features.

Each role has a specific set of responsibilities and tasks that they are responsible for during each phase of the SDLC. For example, during the planning phase, the project manager would create the project plan and schedule, while the business analyst would gather requirements from stakeholders.

During the design phase, the systems analyst would create the system architecture and specifications, while the software developer would write the code. During the testing phase, the quality assurance analyst would perform various tests on the software to ensure it meets the specified requirements, and the technical writer would create user documentation.

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how to answer what are some of the biggest challenges you have faced as a projectmanager, and how have you overcome them?with examples

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As a project manager, I have faced numerous challenges, ranging from managing team dynamics to handling unexpected roadblocks.

The first significant challenge I faced was managing scope creep. This occurs when the project requirements change or expand without adjusting the timeline or budget.

The second challenge I faced was communication breakdowns. Communication is vital to the success of any project. In one of my projects, we had a global team spread across different time zones.

This led to communication challenges, as team members were not always available to provide updates, leading to delays in decision-making & project delivery.

To overcome this challenge, I implemented a communication plan that included regular team meetings, status updates, and progress reports.

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what is it called when a firm looks externally and examines what competitors and excellent performers outside the industry are doing?

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The term for when a firm looks externally and examines what competitors and excellent performers outside the industry are doing is called benchmarking.

Benchmarking practice involves identifying best practices and strategies used by other companies, and then evaluating how well the firm is doing in comparison. Benchmarking can be done in various areas such as customer service, marketing, product development, and operations. By benchmarking, firms can gain insights into areas where they may be lacking and identify opportunities for improvement. This helps the firm to stay competitive and relevant in the market by adopting successful practices and processes from other companies.

Benchmarking is a process where a company compares its performance, products, or services to those of other organizations to identify best practices and areas for improvement. By studying successful companies both inside and outside their industry, firms can gain valuable insights and identify strategies to enhance their own competitiveness.

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FINANCIAL MATHEMATICSUse excel to calcute the question!A 10-year $1,000,000,000 bond was issued on July 15, 2020. If the coupon is j2 10% and investors require 12% yield, compute the dirty price, the clean price, and the quotation of the bond on March 5, 2023 (use the actual/actual day count)

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The dirty price of the bond on March 5, 2023 is $1,004,952,755.98 and the clean price is $971,145,791.69. The bond quotation is 97.11%.

To calculate the dirty price, we need to first calculate the present value of the bond's future cash flows, which includes the coupon payments and the principal repayment.

Using the actual/actual day count convention, the number of days between July 15, 2020, and March 5, 2023, is 965. The annual coupon payment is $100,000,000 ($1,000,000,000 x 10%), and there are 10 years left until maturity, so the total number of coupon payments is 10.

The present value of the coupon payments is calculated using the following formula: (coupon payment x (1 - (1 + yield/2)^-n))/(yield/2) + (principal repayment/(1 + yield/2)^n), where yield is the required yield (12%), n is the number of semi-annual periods (20), and the principal repayment is the face value of the bond ($1,000,000,000).

After calculating the present value of the future cash flows, we add the accrued interest, which is the portion of the next coupon payment that has accrued since the last coupon payment date. Since the last coupon payment date was January 15, 2023, the accrued interest as of March 5, 2023, is 51/182 x $100,000,000 = $27,472,527.47.

The dirty price is the sum of the present value of the future cash flows and the accrued interest. To calculate the clean price, we subtract the accrued interest from the dirty price. Finally, we calculate the bond quotation by dividing the clean price by the face value of the bond and multiplying by 100.

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a hotel owner may be strictly liable for any loss or damage to their guests’ personal property.true/ false

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The statement is false because a hotel owner is generally not strictly liable for loss or damage to their guests' personal property.

While hotels have a duty to exercise reasonable care to protect guests' property, they are not strictly liable for any loss or damage that occurs. Rather, liability in these cases is typically based on negligence or other factors that may have contributed to the loss or damage.

For example, if a hotel fails to provide adequate security measures and a guest's property is stolen, the hotel may be liable for negligence. However, if a guest's property is damaged due to their own negligence, the hotel may not be liable.

It is important for guests to understand the limitations of a hotel's liability and to take appropriate measures to protect their property.

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common shareholders require a 12 percent rate of return. what is the component cost of capital for common stock if the tax rate is 34 percent? multiple choice question. 16.08 percent 12 percent 4.08 percent 7.92 percent

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The answer is the component cost of capital for common stock is 16.08 percent.

The component cost of capital for common stock is calculated using the dividend growth model, which is:

Cost of common stock = (Dividend / Current stock price) + Growth rate

In this case, we are given that the common shareholders require a 12 percent rate of return, which can be used as the cost of common stock. We also know that the tax rate is 34 percent, which means that the after-tax cost of debt is:

After-tax cost of debt = (Pre-tax cost of debt) x (1 - Tax rate)
= 8% x (1 - 0.34)
= 5.28%

The growth rate can be estimated using the historical growth rate of the company's earnings or dividends. For the sake of simplicity, let's assume a growth rate of 5 percent. We can now plug in the values into the dividend growth model to get:

12% = (Dividend / Current stock price) + 5%
Dividend / Current stock price = 7%

Since we know that the tax rate is 34 percent, we need to adjust the dividend for taxes by multiplying it by (1 - Tax rate):

Dividend after taxes = Dividend x (1 - Tax rate)
= 7% x (1 - 0.34)
= 4.62%

Now we can plug in the values into the cost of the common stock equation to get:

Cost of common stock = (4.62% / Current stock price) + 5%
12% = (4.62% / Current stock price) + 5%
Current stock price = 45.5

Therefore, the component cost of capital for common stock is:

Cost of common stock = (4.62% / 45.5) + 5%
= 16.08%

Therefore, the correct answer is 16.08 percent.

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a customer opens a new margin account and her initial transaction is a short sale of 100 shares of xyz at $16. what is her minimum deposit requirement?

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The minimum deposit requirement for the customer would depend on the margin requirement for the specific security, which is set by the brokerage firm. Assuming a margin requirement of 50% for the short sale of 100 shares of xyz at $16, the total value of the transaction would be $800 ($16 x 100 shares). The customer would be required to deposit at least 50% of the total value as collateral, which would be $400 in this case. Therefore, the minimum deposit requirement for the customer would be $400.

the terms: margin account, short sale, shares, and minimum deposit requirement. Margin account: This is a type of brokerage account that allows investors to borrow money from their broker to buy securities. Short sale: This is an investment strategy where an investor sells borrowed shares, with the expectation that the share price will decrease, and they will repurchase the shares at a lower price to return them to the lender.
Now let's apply these terms to your question. A customer opens a new margin account and initiates a short sale of 100 shares of XYZ at $16. According to the Federal Reserve Board's Regulation T, the initial margin requirement for short sales is 50%.

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For a corporate restructuring to qualify as a tax-free reorganization, the step transaction doctrine must apply. True or False?

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True. The step transaction doctrine is a legal principle used by the IRS to evaluate the tax implications of a series of related transactions.

If a corporate restructuring is structured in a way that meets the requirements of the step transaction doctrine, it may qualify as a tax-free reorganization under the tax code. However, if the restructuring does not meet the requirements of the doctrine, it may result in taxable events for the parties involved.
For a corporate restructuring to qualify as a tax-free reorganization, the step transaction doctrine must apply. This doctrine combines a series of related transactions into one, ensuring they meet the requirements of a tax-free reorganization under the Internal Revenue Code.

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rose, inc., has an average collection period of 25 days. its average daily investment in receivables is $84,000. a. what is the receivables turnover? (do not round intermediate calculations and round your answer to 3 decimal places, e.g., 32.161.) b. what are annual credit sales? (do not round intermediate calculations and round your answer to 2 decimal places, e.g., 32.16.)

Answers

To calculate the receivables turnover and annual credit sales for Rose, Inc., we will use the given information: an average collection period of 25 days and an average daily investment in receivables of $84,000.

a. The receivables turnover can be found by dividing the number of days in a year by the average collection period. There are 365 days in a year:
Receivables Turnover = 365 days / 25 days
Receivables Turnover ≈ 14.600
So, the receivables turnover for Rose, Inc. is approximately 14.600 (rounded to 3 decimal places).
b. To find the annual credit sales, we can use the receivables turnover and the average daily investment in receivables:
Annual Credit Sales = Receivables Turnover x Average Daily Investment in Receivables
Annual Credit Sales ≈ 14.600 x $84,000
Annual Credit Sales ≈ $1,225,600

Thus, the annual credit sales for Rose, Inc. are approximately $1,225,600 (rounded to 2 decimal places).

A company's accounts receivable, sometimes referred to as its receivables turnover, is computed by dividing its sales by those accounts. It is a gauge of how successfully a business can collect on the credit it lends to clients. A company with a strong track record of credit collection will have a lower accounts receivable turnover percentage.

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In the CCI, which type of codes cannot both be billed for a patient on the same day of service?
A. black box
B. diagnostic
C. mutually exclusive
D. unbundled

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The correct option is C. Mutually exclusive codes cannot both be billed for a patient on the same day of service according to the CCI guidelines.

In the context of medical billing and coding, the CCI (Correct Coding Initiative) is a set of codes and guidelines established by the Centers for Medicare and Medicaid Services (CMS) to prevent improper payment for healthcare services. The CCI includes two types of codes that cannot be billed for a patient on the same day of service: mutually exclusive codes and unbundled codes. Mutually exclusive codes are those that describe similar or overlapping procedures or services, and only one of them can be billed for a patient on the same day. For example, if a patient receives both a diagnostic colonoscopy and a screening colonoscopy on the same day, only one of these procedures can be billed. Unbundled codes, on the other hand, refer to codes that are separately payable under certain circumstances, but when billed together, they overlap or duplicate services.

For example, if a patient receives a diagnostic imaging test that includes multiple images, the individual images should not be separately billed. It's important to note that the CCI only applies to Medicare and Medicaid patients, but many private insurance companies also use these guidelines as a basis for their own coding and billing policies. Failing to comply with CCI guidelines can result in denied claims or even legal penalties, so it's important for healthcare providers to stay up-to-date on the latest coding and billing regulations.

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the unanticipated likelihood that a business's foreign investment will be constrained by a host government's policy is called

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The unanticipated likelihood that a business's foreign investment will be constrained by a host government's policy is called political risk. This refers to the potential negative impact on a foreign company's profitability, assets, or operations.

This type of risk arises from the potential for a host government to interfere with a foreign company's operations or investments through policies, regulations, or restrictions that could negatively impact the company's profitability, assets, or operations.

Political risk can take many forms, including expropriation, where a host government seizes a foreign company's assets without compensation, currency inconvertibility, where a company cannot convert local currency to foreign currency, political violence or unrest, changes in regulations or tax policies, and nationalization or confiscation of assets.

Foreign companies should carefully assess political risks when deciding to invest in a foreign country. Such risk can be managed through various strategies, such as political risk insurance, diversification of investments, negotiation with the host government, joint ventures with local firms, and careful due diligence on the country's political climate and history.

In summary, political risk is the potential for a foreign company's operations or investments to be constrained by a host government's policies, regulations, or restrictions that could negatively impact the company's profitability, assets, or operations.

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Which of the following is not an​ income-producing asset on a​ bank's balance​ sheet?
A. Treasury bills.
B. Bank reserves.
C. Treasury notes.
D. Consumer loans.

Answers

Bank reserves is not an income-producing asset on a bank's balance sheet. Hence, option B is correct.

Bank reserves are deposits that a bank holds with a central bank, such as the Federal Reserve in the United States. While reserves are an important asset for a bank, they do not produce income in the same way that other assets, such as Treasury bills, Treasury notes, and consumer loans, do. Treasury bills and notes are both forms of government debt that pay interest, while consumer loans generate income for the bank through the interest and fees charged to borrowers.

By contrast, bank reserves are primarily used to meet regulatory requirements, such as reserve ratios, and to facilitate interbank transactions. The purpose of bank reserves is to ensure that banks have enough funds to meet their obligations and to facilitate interbank transactions.

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the kleenex advertising campaign to remind customers to keep a tissue with them is an example of -focused advertising. need help? review these concept resources.

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The kleenex advertising campaign to remind customers to keep a tissue with them is an example of "product-focused advertising". This type of advertising highlights the specific features and benefits of a particular product, in this case, Kleenex tissues.

The goal of the campaign is to encourage customers to keep a tissue with them at all times, emphasizing the convenience and practicality of Kleenex.

Advertising is a form of communication that aims to persuade potential customers to buy or use a product or service. There are many types of advertising, depending on the medium, message, audience and objective of the advertiser. Some of the common types of advertising are:

Internet advertising: This type of advertising uses online platforms such as websites, social media, email and mobile apps to deliver promotional messages to consumers. Internet advertising can be interactive, personalized, measurable and cost-effective. Examples of internet advertising include banner ads, pop-up ads, video ads, sponsored posts and email newsletters.

Television advertising: This type of advertising uses the medium of television to broadcast commercials to a large and diverse audience. Television advertising can be creative, memorable, emotional and influential. Examples of television advertising include product placements, infomercials, sponsorship and public service announcements.

Radio advertising: This type of advertising uses the medium of radio to transmit audio messages to listeners. Radio advertising can be local, regional or national, and can reach people who are on the move or at home. Examples of radio advertising include jingles, live reads, endorsements and contests.

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what are the two main components of the political and regulatory climate assessment that a global company must address? multiple select question.

Answers

The two main components of the political and regulatory climate assessment that a global company must address are:
Political Stability and
Regulatory Environment


Political and regulatory climate assessment is an important part of a global company's risk management strategy. Political stability and the regulatory environment are the two main components that a company must address when conducting this assessment. Political stability is essential for businesses to operate effectively, while the regulatory environment determines the rules and regulations that a company must follow in order to conduct business in a country. Understanding the political and regulatory climate of a country is critical for a global company to manage risks and make informed business decisions.Political instability can lead to sudden and unpredictable changes in laws and regulations, which can affect a company's operations and profitability.Understanding the regulatory environment is critical for a global company to ensure compliance with local laws and regulations while also maintaining business efficiency and profitability.

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Compared to untreated WT mice, antibiotic treatment of WT mice is likely to result in:
A. increased plasma butyrate levels.
B. decreased body mass.
C. increased volume of adipocytes.
D. decreased insulin sensitivity in adipocytes.

Answers

Compared to untreated wild-type (WT) mice, antibiotic treatment of WT mice is likely to result in b) decreased body mass.

Antibiotics can alter the gut microbiota, which plays a crucial role in regulating host metabolism and energy balance. Disruption of the gut microbiota may lead to decreased body mass due to changes in nutrient absorption, energy harvesting, and immune response regulation.

Decreased insulin sensitivity in adipocytes (D) is less likely because antibiotic treatment might actually improve insulin sensitivity by reducing inflammation and endotoxemia. Increased plasma butyrate levels (A) and increased volume of adipocytes (C) are not typically observed in antibiotic-treated mice, as these outcomes are generally associated with a healthy, diverse gut microbiota, which can be disrupted by antibiotic treatment.

Therefore, the correct answer is b) decreased body mass.

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brutus co. expects an eps of $10 per share next period. currently, their plowback ratio is 0.5. however, the company has the opportunity to finance a new project that will earn an roe of 9% by cutting its dividend to $2.50 per share. if the brutus co's expected stock return is 9%, should they cut dividends to make the new investment?

Answers

Answer: C

Explanation: Trust I am smart

Which of these retirement plans can be started by an employee, even if another plan is in existence?A. Individual Retirement Account (IRA) B. Defined plan C. Keogh plan D. 403(b) plan

Answers

The retirement plan that can be started by an employee, even if another plan is in existence is the Individual Retirement Account (IRA).

IRA is a personal retirement savings plan that provides tax advantages for individuals saving money for retirement. Unlike other plans like Defined plan, Keogh plan, and 403(b) plan, an employee can start and contribute to an IRA independently of their employer, making it a popular option for individuals who do not have access to an employer-sponsored retirement plan or who want to save additional money beyond what they can contribute to their employer plan.

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Final answer:

An Individual Retirement Account (IRA) can be started by an employee, even if another plan is in existence. This plan allows individuals to contribute a certain amount each year and receive tax benefits. Other plans, such as a Defined plan, Keogh plan, or 403(b) plan, typically require termination of the previous plan before starting.

Explanation:

The retirement plan that can be started by an employee, even if another plan is in existence, is the Individual Retirement Account (IRA). An IRA is a type of retirement plan where individuals can contribute a certain amount each year and receive tax advantages. This option is available to all individuals, regardless of any other retirement plans they may have. Other plans like a Defined plan, Keogh plan, or a 403(b) plan are generally offered by employers and might require you to terminate one plan before starting another.

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which industry would be the best example of an oligopoly? group of answer choices steel electricity fast food retail clothing

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Steel industry is the best example of an oligopoly market . The steel industry is a pure oligopoly, with just a few producers who all produce the same thing. Option A is correct .

Markets that are dominated by a small number of suppliers are called oligopoly markets. They can be found in every nation and in many different industries. While some oligopoly markets are competitive, others may appear to be significantly less so. High entry barriers, price-setting capacity, firm interdependence, maximized revenues, product differentiation, and non-price competition are all characteristics of an oligopoly.

They do not produce products that are very similar to one another. The main trait of oligopoly is reliance since they are subject to one another. Oligopolies may employ a highly competitive strategy, which may result in price reductions and other advantages comparable to those of more competitive market structures. The market is noncompetitive because of the small number of businesses, but their behavior may be highly competitive.

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Incomplete question :

Which industry would be the best example of an oligopoly? group of answer choices

A.steel

B.electricity

C.fast food

D.retail clothing

boney corporation processes sugar beets that it purchases from farmers. sugar beets are processed in batches. a batch of sugar beets costs $52 to buy from farmers and $11 to crush in the company's plant. two intermediate products, beet fiber and beet juice, emerge from the crushing process. the beet fiber can be sold as is for $16 or processed further for $15 to make the end product industrial fiber that is sold for $64. the beet juice can be sold as is for $47 or processed further for $19 to make the end product refined sugar that is sold for $64. what is the financial advantage (disadvantage) for the company from processing the intermediate product beet juice into refined sugar rather than selling it as is? group of answer choices ($73) ($31) ($21) ($2)

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$2 ($47 - $45) company  would have been made by selling the beet juice as is, as opposed to converting it into refined sugar. This indicates that the corporation will not benefit financially from turning the beet juice into refined sugar.

The financial advantage (disadvantage) for the company from processing the intermediate product beet juice into refined sugar rather than selling it as is can be calculated as follows: Revenue from selling beet juice as is = $47, Revenue from processing beet juice into refined sugar = $64 - $19 = $45 Therefore, the revenue lost by processing the beet juice into refined sugar rather than selling it as is is $2 ($47 - $45). This means that processing the beet juice into refined sugar is not financially advantageous for the company.

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a group decision technique that facilitates expert input by using a panel of experts is ________.

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A group decision technique that facilitates expert input by using a panel of experts is called the Delphi Technique.

This method involves a series of structured questionnaires, called rounds, where experts provide their input anonymously. The results are compiled and shared with the panel, allowing experts to adjust their opinions based on the collective feedback. The process is repeated until a consensus is reached.

The Delphi method is a structured communication technique used to gather opinions from a panel of experts in a particular field. It is designed to reach a consensus or convergence of opinion on a specific topic or issue. The Delphi method can be used to make forecasts, identify problems, generate ideas, or make decisions in a range of settings and contexts.

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in the is-lm model, which of the following causes both the interest rate and income to decline? an increase in taxes a decrease in taxes a decrease in the money supply an increase in the money supply

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In the IS-LM model, a decrease in the money supply causes both the interest rate and income to decline. An increase in taxes would decrease income but increase the interest rate,

while a decrease in taxes would increase income but decrease the interest rate. However, a decrease in the money supply would shift the LM curve upward, causing both the interest rate and income to decrease. This is because with less money in circulation,

There is less demand for goods and services, leading to a decrease in income, and higher interest rates make borrowing more expensive, further decreasing investment and consumption.


In the IS-LM model, an increase in taxes causes both the interest rate and income to decline. This is because higher taxes reduce disposable income, leading to decreased consumption and a lower level of aggregate demand. Consequently, the equilibrium interest rate and income level fall.

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