Costs that are unaffected by a company's level of output are known as fixed costs.Even if the company does not produce anything, these expenses will still be incurred.
What is a fixed expense?
A cost that fluctuates inversely with changes in activity volume on a unit basis but remains constant overall is known as a fixed cost.
What factors determine a company's fixed cost level?
Costs that are usually based on time rather than on how many products or services your company sells or produces are known as fixed costs.Rent and lease payments, salaries, utility bills, insurance, and loan repayments are all examples of fixed costs.Business licenses and other types of taxes are examples of fixed costs.
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11. which of the following messages is best suited to an informational presentation? a. persuade homeowners to have a personal evacuation plan. b. sell the board of supervisors on the importance of investing in mitigation. c. lead staff in a review of the incident command system. d. convince residents to become involved in volunteer agencies.
The following messages are best suited to an informational presentation: a. persuade homeowners to have a personal evacuation plan.
The Cambridge Dictionaries on line became the best well-known dictionary we determined with entries for each “informational” and “informative.” In American English, the dictionary says, “informational” means relating to proving iding data, at the same time as the “informative” approach supplying useful information.
There are 4 fundamental informational textual content types: literary nonfiction, expository writing, argumentative writing (additionally called persuasive writing), and procedural writing. One crucial cause for informative speakme is to provide listeners with statistics so they can make up their very own minds approximately a problem. Informative speeches have to be correct, clear, and exciting for the listener.
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on january 1, year 1, mahoney company borrowed $164,000 cash from sun bank by issuing a 5-year, 8% term note. the principal and interest are repaid by making annual payments beginning on december 31, year 1. the annual payment on the loan equals $41,075. what is the amount of principal repayment included in the payment made on december 31, year 1?
164,000*8% = 13,120
41,075 - 13,120 = 27,955
The principal is the sum of money you initially promised to repay. The cost of borrowing the principal is interest.
How are principal payback amounts determined?
Each payment's principle balance is the same for even principal payments. It is easily calculated by dividing the initial loan amount by the number of installments. When a bond matures, the principal—the sum of money the bond's issuer borrowed—will be fully repaid to the bondholder.
Which is preferable, principle or payment?As shown above, you can lower your overall interest costs by making additional principal payments. Making more principal-only payments can help you develop equity in your house faster because every payment that goes toward principle increases your property's value.
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which of the following options is not one of the four fundamental types of relationships? a. equality matching b. communal sharing c. relationship preservation d. market pricing
relationship preservation is not one of the four fundamental types of relationships
What are the fundamentals of relationships?
One-for-one correspondence in the form of turn-taking, through altruism, critical thinking and analytical skills retaliation, or eye-for-an-eye vengeance are examples of equality matching (EM) connections. In EM partnerships, the main focus of the parties is maintaining a balanced relationship.
According to Davila, "mutuality is about understanding that both individuals have requirements and that either set of needs matter." With interdependency, you'll be able to express your own needs clearly and directly, increasing the possibility that they'll be met.
A hierarchy in which people or organizations are assigned to relative or inferior relations is known as an authority-ranking relationship. Higher-ranking individuals have status and privileges not shared by those in lesser positions. Furthermore, the superiors are usually somewhat in charge of the actions
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Say whether each of the following situations involves screening or signaling.Auto shops and motels advertise that they are AAA-approved:a. signalingb. screening
In the following question Option A and D involves signaling and in option B and C it involves screening.
In medicine, screening is a method for searching for risk factors or undiagnosed diseases. Both individuals and the entire population can be tested using this method. The individuals evaluated might not show any symptoms at all, or they might just show one or two symptoms, which by themselves do not necessarily suggest a diagnosis.
In order to enable early intervention and care in the goal of reducing mortality and suffering from a disease, screening interventions are created to identify problems that may eventually develop into diseases. Not all screening tests have been proved to help the individual being checked, even though screening may result in an earlier diagnosis.
The above question is incomplete, the complete question is-
Say whether each of the following situations involves screening or signaling.
a. Auto shops and motels advertise that they are AAA-approved
b. Employers check interviewees' Fa-cebook or My Space profiles before hiring one of them.
.c. Applicants must pass an exam before becoming eligible for a civil-service position.
d. People wear expensive clothing with large brand names or log
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according to classical macroeconomic theory, changes in the money supply change real gdp but not the price level. a. true b. false
According to classical macroeconomic theory, changes in the money supply change real GDP but not the price level True.
The overarching dreams of macroeconomics are to maximize the standard of residing and attain stable financial increases. The dreams are supported by using objectives such as minimizing unemployment, growing productivity, controlling inflation, and extra.
Microeconomics issues selection-making through individuals and small corporations, together with households, clubs, corporations, and governmental agencies. as the well-known quote from Lord Robbins at the beginning of the chapter says, microeconomics is the have a look at ways scarce resources are allocated among competing ends.
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after helen, a realtor, closes a sale on a house, she usually calls her customers the following week to find out if they are pleased with their new home. this is an example of transaction selling.
This is not an example of transaction selling. The statement is false.
A negotiation tactic known as transactional selling places all of its attention on closing a deal. It emphasizes social evidence, competitive pricing, and the urgency of the purchase. The objective is to generate the most individual sales feasible.
Customer lifetime value is often minimal and sales cycles for transactional selling are quite short. In this sales tactic, making an emotional connection is less crucial than making a sale.
It's not always the goal of sales representatives to build enduring connections with their clients. People therefore move quickly through the sales pipeline.
In transactional selling, the representative often gets in touch with the client before employing pressure-selling techniques to close the deal on a good or service. This tactic is frequently employed during sales calls, but it can also be useful while conducting in-person or online transactions.
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sing corporation began the year with a $190,000 balance in its equipment account. during the year, equipment with an original cost of $25,000 was sold. the ending balance in the equipment account was $210,000. which of the following statements is true?
Sng corporation began the year with a (Beginning balance) $190,000 - (Equipment sold) $25,000= $165,000. (Ending balance) $210,000 - $165,000 = $45,000 Equipment purchased statements is true.
A corporation is an employer—typically a group of people or a employer—legal via the nation to act as a single entity and recognized as such in regulation for positive functions. Early incorporated entities had been hooked up by means of constitution. most jurisdictions now permit the introduction of new agencies through registration.
An organisation is a criminal entity that is separate and wonderful from its owners. beneath the regulation, groups own among the same rights and obligations as people. they could enter contracts, loan and borrow cash, sue and be sued, lease employees, own belongings, and pay taxes.
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a cement company received more than $2,000 in federal money. the company hired employees belonging to the age group of 25 to 40. soon after, the company was charged for violation of law under the davis-bacon act of 1931 and the walsh-healy public contracts act of 1936. what would most likely explain the reason for the company being sued?
The company's employees are not receiving salaries that are at least equal to the usual price for the area.
A federal law passed in the United States in 1931 called the Davis-Bacon Act mandates that laborers and mechanics working on public works projects be paid the local prevailing rate. It is applicable to "contractors and subcontractors executing on federally sponsored or assisted contracts over $2,000 for the construction, alteration, or repair of public structures or public works."
A labor law adopted in the United States as part of the New Deal is the Walsh-Healey Public Contracts Act of 1936. It outlines fundamental worker rights for work done on U.S. government projects. It was done in an effort to raise labor standards.
The company's employees are not receiving salaries that are at least equal to the usual price for the area. This would most likely explain the reason for the company being sued.
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marco newest client believes ads would be the ideal platform for his services, but he's worried that his business can't afford to compete. what can marco explain about ads to ease his client's concerns?
Marco can explain that ads will provide a platform for the business to reach all the consumers.
After setting of a business there is a need to advertise the business so that more and more people come to know about the business. Marco' s client feels like his business will not be able to compete. Marco can explain to him that by using the ad platform they can increase their reach to all sections of people. Also the ad platforms provides services on a low budget and the services are well reached to people. Along with this they provide call facility so that the people can call the concerned person regarding any query of the products of business. they provide all the details of the business products to the consumers and prove to be beneficial.
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suppose your firm adopts a technology that allows you to increase your output by 15%. if the elasticity of demand is 3.0, how should you adjust price if you want to sell all of your output?
Suppose a firm adopts new technoogy that allows it to incrase its output by 15%. To maintain the elasticity of demand in 3.0, a firm has to adjust its product price by 5% if a firm want to sell all its output.
Price elasticity of demand demonstrates how the change in demand for a produt in relation of any fluctuation in its price. Price elastivity of demand could be calcuated from comparing percentage change in quantity demanded with percentage change in price, or wirtten as:
Price elastivity of demand = % change in quantity demanded
% change in price
From the case, we know that:
price elasticity of demand = 3.0
% change in quantity demanded = % change in output produced (sold out)
% change in quantity demanded = 15%
% change in price?
We use the price elasticity of demand formula to find the appropriate price change:
Price elastivity of demand = % change in quantity demanded
% change in price
3.0 = 15%
% change in price
% change in price = 5%
To be able to sell all the output produced, a firm has to decline its product price upto 5% to maintain the price elasticity of demand.
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miscavage corporation has two divisions: the beta division and the alpha division. the beta division has sales of $245,000, variable expenses of $135,600, and traceable fixed expenses of $64,800. the alpha division has sales of $555,000, variable expenses of $313,800, and traceable fixed expenses of $123,100. the total amount of common fixed expenses not traceable to the individual divisions is $122,200. what is the company's net operating income?
The Company's net Operating Income is $40500.
What do you know about Operating income?
Operating income is generated by a company's operations after deducting operating expenses such as wages, depreciation, and cost of goods sold (COGS). Operating income, is calculated by deducting all operating expenses from a company's gross income, which is equal to total revenue minus COGS. Operating expenses are costs incurred from normal business operations and include items such as office supplies and utilities.
Computation of Company's net Operating Inccome
Beta Division Alpha Divison Total
Sales Revenue $245,000.00 $555,000.00 $800,000.00
Variable Expense $135,600.00 $313,800.00 $449,400.00
Contribution Margin $109,400.00 $241,200.00 $350,600.00
Direct Fixed costs
Directly Attributable $64,800.00 $123,100.00 $187,900.00
Segment Margin $44,600.00 $118,100.00 $162,700.00
Less: Common Fixed costs $122,200.00
Net Income $40,500.00
So, The required answer is $40500
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which conflict-management strategy involves a high concern for the other party but a low concern for the self?
The conflict-management strategy involves a high concern for the other party but a low concern for the self: accommodating.
What is the conflict-management strategy?Conflict management can be described as the umbrella term that covers the way we identify and handle conflicts fairly and efficiently it should be noted that the of this strategy is to minimize the potential negative impacts which can comes up from disagreements and increase the odds of a positive outcome.
In conconclusion, the case above can be linked to the accommondating conflict-management strategy this is because the Accommodating serves s the strategy that can be used ina case whereby one party gives in to the wishes or demands of another and this may be perceived as one which is a gracious way to give in when one figures out s/he has been wrong about an argument.
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flat surfaces pro sells photography backdrops. it communicates products and information as well as the opportunity to purchase via its website. this is an example of multiple choice direct a. marketing. b. intermediary selling. c. wholesaling. d. indirect marketing. e. direct selling.
The strategy that is used by flat surfaces where it has to communicates products and information as well as the opportunity to purchase via its website is called marketing. Option A.
What is marketing?The process of developing, communicating, delivering, and trading offerings that are valuable to customers, clients, partners, and society at large collectively is known as marketing.
In a nutshell, it is an action made to draw attention to a company's offerings, which may include both tangible products for sale and services provided. Television ads, billboards at the side of the road, and magazine ads are typical instances of marketing at work.
Getting consumers interested in a company's goods or services is marketing's primary goal. This is accomplished by conducting market research, analyzing the interests of a company's ideal clients, and considering how to draw them in with messaging that would be instructive and beneficial to the target audience.
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which of the following is correct? question 6 options: current income is more equally distributed than permanent income. incomes tend to peak at around age 50. incomes tend to rise sharply at retirement. incomes tend to be high for young workers.
The average salary for young workers is high. The correct response is option (4).
What is permanent income?In the realm of economics, the Permanent income hypothesis (PIH) is a model to explain how spending patterns emerge. It implies that consumption habits are created by smoothing and future expectations. [α] In 1957, Milton Friedman released his A Theory of Consumption Function, which contained the theory. Robert Hall later formalized it in a rational expectations model. Future expectations, which were initially applied to consumption and income, are believed to have an impact on other occurrences. The theory can be expressed simply as the idea that changes in permanent income (human capital, property, and assets) rather than transient revenue (unexpected income) influences consumption.
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according to the text, characteristics of minority or non-dominant groups often include....... identifiability, differential income, discrimination and group awareness identifiability, visibility, discrimination and group awareness identifiability, differential power, discrimination and group awareness visibility, differential income, discrimination and group awareness
According to the text, characteristics of minority or non-dominant groups often include identifiability, differential power, discrimination, and group awareness.
Depending on the situation, the word "minority group" can be used in a variety of ways. A minority group may be easily understood in terms of demographic numbers within a population, that is, a group in society with the least number of members is the "minority," according to standard use.
However, a group that makes up the smallest percentage of the population is not always considered to be a "minority" in sociology, economics, or politics. The phrases "minority" and "majority" are better understood in the academic setting in terms of hierarchical power relations. Whenever civil rights and collective rights are discussed, the phrase "minority group" is frequently used.
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why were unions critical of frederick taylor’s work on scientific management? group of answer choices his approach emphasized workers’ feelings over their physical well-being. his approach depended on managers determining productivity rather than workers. he found that unions were detrimental to worker motivation. he rejected the advice of union leaders on where to conduct his study.
Because, his approach depended on managers determining productivity rather than workers.
What does Frederick Taylor's Scientific Management theory entail?Frederick Winslow Taylor's book "The Principles of Scientific Management" was published in 1911. Taylor maintained that the greatest approach to boost labor productivity was to optimize the way the job was done, and that flaws in a specific work process could be scientifically corrected through superior management techniques.
What are the four principles of Taylor's scientific management?The four guiding concepts of Taylor's scientific management are as follows: Science, not generalization. not conflict, but harmony. Not individuality, but cooperation.
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On January 1, 2018, Steve Smith and Harry Chewbacca start a partnership. Steve invests a building worth $100,000 and equipment valued at $12,000 as well as $15,000 in cash. Although Harry makes no tangible contribution to the partnership, he will operate the business and be an equal partner in the beginning capital balances. The journal entry on January 1 to record the transaction using the bonus method would include
The transaction using the bonus method would include credit to Steve Smith Capital for $63,500.
Building $100,000
Equipment $12,000
Cash $15,000
Harry Capital $63,500
Steve Capital $63,500
A business is defined as an employer or enterprising entity engaged in business, commercial, or expert activities. businesses may be for-income entities or non-earnings companies.
Business plays an important position in our lives. First, they devise goods and offerings to satisfy our needs and wants. Then, they also recruit families as exertions and provide them with reimbursement, consisting of wages, salaries, and advantages. for this reason, it turns into a supply in their profits, which can be used to preserve their existence.
The maximum common types of business are sole proprietorship, partnership, company, and S corporation.
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true or false (explain): being a price-taker means the firm can set any price for the goods it produces.
Being a price-taker means the firm can set any price for the goods it produces. The given statement is False.
What do you mean by a Price-taker?
This happens when a company or consumer has no choice but to accept the market price. When a company is a price taker, it means that they lack the ability to set their own price. A price taker will have little market power. The requirements for being a price taker are:
In a perfectly competitive market, every firm will be a price taker. This is because consumers will not buy if they try to sell at a higher price.
So, The given statement is False.
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The practice manager is interviewing a potential new hire. Which of the following questions would be best to use to gain a full response?
a. Do you have the experience we stated in the job description?
b. Can you confirm that you previously worked at XYZ veterinary practice?
c. Can you confirm that you have experience with our equipment?
d. Do you want to work here?
e. Can you tell me how your experience can help improve our practice?
Would it be possible for you to elaborate on how your experience could help us improve our procedures
Why do we employ Gain?gain. [transitive] to get or win anything, especially something you even want gain something else to gain access to something Ten years ago, the nation attained its independence. Over 50% of the vote went to the party. I learned more about what a journalist does.
Does Gain imply growth?An improvement, especially one that is positive, is referred to as a gain. Attending philosophical seminars and reading books will educate you. Gaining anything is getting it or getting more of what you currently have.
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Tivola Corp. manufactures kitchen appliances. They used to send their products to a distributor, but have decided to expand and now become their own distributor. This is an example of horizontal integration. True False
True , produce kitchen appliances. They used to send their products to a distributor, but they have since decided to grow and take on the role of distributor themselves. Horizontal integration is demonstrated here.
Companies use horizontal integration and vertical integration as competitive strategies to strengthen their positions and differentiate themselves from rivals. Both are methods of corporate expansion that involve buying out rival companies. Although both of these approaches can aid in business expansion, there are significant differences between them. A business expands through the acquisition of related businesses, specifically its rivals, which is known as horizontal integration. Contrarily, vertical integration happens when a company takes over one or more distribution or production stages and owns every component of the industrial process.
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a company reported that its bonds with a par value of $50,000 and a carrying value of $60,500 are retired for $64,200 cash, resulting in a loss of $3,700. the amount to be reported under cash flows from financing activities is:
The amount to be reported under cash flows from financing activities is $64,200, Total value - total loss = cash inflow.
A bond is a type of security used in finance in which the issuer owes a debt to the holder and, under the terms of the bond, is obliged to repay the bond's principal and interest on the maturity date. Bonds provide borrowers with access to external capital to fund current spending or, in the case of government bonds, long-term investments.
Securities include both bonds and stocks, but the main difference between them is that shareholders have an equity interest in a company and bondholders have an interest from creditors. On the creditor side, bondholders have priority over shareholders.
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ray buys a new tractor for $118,000. he receives consumer surplus of $13,000 on his purchase. ray's willingness to pay is
Ray buys a new tractor for $118,000. He receives consumer surplus of $13,000 on his purchase. Ray's willingness to pay is $131,000.
Willingness to pay = $118,000 + $13,000 = $131,000.
How do we determine willingness to pay?
Rather than being expressed as a single dollar amount, willingness to pay is typically shown as a price range. The highest price a consumer is willing to pay is divided by the cost of the good to determine WTP.
What does willingness to pay mean?
The highest price a client is willing to pay for a good or service is known as the customer's "willingness to pay" (or "WTP"). It is typically expressed as a range to reflect the diversity of perspectives as well as changes throughout time.
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A profit-maximizing firm in a competitive market is currently producing 100 units of output. It has average revenue of $10, average total cost of$8, and fixed costs of $200. a. What is its profit? b. What is its marginal cost? c. What is its average variable cost? d. Is the efficient scale of the firm more than, less than, or exactly 100 units?
A profit-maximizing firm in a competitive market is currently producing 100 units of output. It has average revenue of $10, average total cost of $8, and fixed costs of $200. It's profit is $200.
The profit is the difference between total revenue and total cost.
x = TR - TC
= (AR - AC)Q
= (10-8)×100
= 200.
a. What is its profit?
b. What is its marginal cost?
c. What is its average variable cost?
d. Is the efficient scale of the firm more than, less than, or exactly 100 units?
Profit is the money you have left after buying enterprise prices. There are three main types of earnings: gross earnings, operating and net profit. Gross income is largest. It indicates what cash turned into left after purchasing the goods and services sold.
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suppose that rent controls are imposed. if the government wants a rent control ceiling to be effective immediately, what is one possible price it could set?
Rent 0, 1 or Rent control results in shortages, a decline in product quality, and lines, like other price ceiling do.
An auction price ceiling is what?When a price ceiling is established just under the market equilibrium price, a binding price ceiling results. Because there is a scarcity at the price ceiling, a legally binding price controls will cause one.
Why are price caps employed?Price caps are implemented in an effort to maintain affordable costs for people who need the product. However, when the sale price is prevented from increasing toward the market equilibrium, quantity sought outpaces supply, leading to a shortage.
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A systems approach to managing the flow of information, materials, and services from tiers of suppliers through the buying organization to tiers of customers is:
strategic sourcing.
materials management.
supply chain management.
procurement management.
inventory management.
The answer of given statement is supply chain management.
What does supply chain management mean?
Supply chain management is, at its most basic level, the control of the flow of materials, information, and money involved in the production of a good or service, from the from the purchase of raw materials to the delivery of the product to its destination.
Despite the fact that many people mistakenly think the supply chain and logistics are the same thing, logistics is only one part of the supply chain.
Purchasing, product life-cycle management, supply chain planning (which includes inventory planning and the upkeep of company assets and production lines), logistics (which includes transportation and fleet management), and order management are all part of the supply chain. SCM can be applied to activities related to international trade, such as managing multinational production processes and global suppliers.
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From a marketing perspective, identify what type of Cost best defines the following expense: Regular evening cleaning service for your accounting office.Fixed Cost
From a marketing perspective, identify what type of Cost best defines the following expense: Regular evening cleaning service for your accounting office Fixed Cost
Fixed costs, commonly referred to as indirect costs or overhead costs in accounting and economics, are costs incurred by a corporation that are independent of the volume of goods or services it produces.
A pricing strategy is a plan or technique for choosing the most competitive price for a good or service. It assists you in setting prices while taking customer and market demand into account in order to maximize profits and shareholder value.
Depending on the sector and type of business, value-based, competition-based, cost-plus, and dynamic pricing are all regularly employed approaches.
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which organization publishes guidelines for writing technical procedures that are usually acceptable to agencies governing laboratory operations and accreditation?
OSHA organization publishes guidelines for writing technical procedures that are usually acceptable to agencies governing laboratory operations and accreditation
The Occupational Safety and Health Administration of the United States Department of Labor is a significant regulatory agency with long-standing federal visitorial jurisdiction to examine workplaces. 12, 16 Congress was given the go-ahead to establish the agency by the Occupational Safety and Health Act OSH Act, which President Richard .OSHA's mission statement reads: "To ensure safe and healthy working conditions for working men and women by developing and enforcing standards and by providing outreach, training, information, and assistance." Additionally, the organisation is responsible for upholding several whistleblower laws and regulations. OSHA's workplace safety inspections have been shown to lower injury rates and injury costs without having a negative effect on employment, sales, credit ratings, or any other factor.
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acquired goodwill is considered to be a section 197 asset amortized over 15 years for tax purposes. group of answer choices true false
Acquired goodwill is considered to be a section 197 asset amortized over 15 years for tax purposes.-----True
What is acquired goodwill?
Goodwill purchased:When a company acquires another company as a going concern and pays the value of the latter including all of its assets and excluding outstanding liabilities, it is declared as acquired goodwill.
What kind of journal entry is acquired goodwill?Goodwill is a balance sheet adjusting item that explains why the cash spent to acquire the business is greater than the assets received in return. First, subtract liabilities from identifiable assets such as inventory and real estate to determine the value of identifiable net worth.
Is acquired goodwill an asset?When a company is acquired, goodwill is recognized as an intangible asset with an indefinite useful life and tested for impairment.
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tells managers how much of the total variance is due to using a greater or lesser amount of time being worked than anticipated c. tells managers how much of the total variance is due to paying a different price than expected for direct materials d. tells managers how much of the total variable moh variance is due to using more or less hours of the allocation base than anticipated for the actual volume of output e. measures the difference between the budgeted fixed moh costs and the standard allocated fixed moh costs f. tells managers how much of the total variance is due to paying a different hourly wage rate than anticipated g. also known as attainable standards h. also called the variable overhead spending variance i. tells managers how much of the total variance is due to using a different quantity of direct materials than expected j. standards based on conditions that do not allow for any waste in the production process k. the budgeted cost for a single unit of product
Variable fluctuation in overhead efficiency.
The direct labour variable is made up of which two variances?Direct labour variance analysis takes into account two distinct variances: the labour rate variance and the labour efficiency variance.
Which costing approach makes use of analysis of variations as a common means of cost management?By comparing the expenditures that were incurred and the costs that should have been incurred for the production of the goods, a technique known as standard costing is used by the company. In essence, it is a comparison of actual expenses to average costs. Variations account for the two-way differences.
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suppose southeast mutual bank, walls fergo bank, and pjmorton bank all have zero excess reserves. the required reserve ratio is presently set at 20%. hubert, a southeast mutual bank customer, deposits $1,500,000 into his checking account at the local branch.
The southeast mutual bank's asset reserve T-account will be debited by $1,500,000 and the liability T-account to be credited by $1,500,000.
What are reserves?Bank reserves are the cash minimums required by financial institutions to meet central bank requirements. This is real paper money that the bank must keep in an on-site vault or in its account at the central bank.
The required journal entry for the transaction is :
Dr. Assets Reserves $1,500,000
Cr Liabilities Deposits $1,500,000
The bank increased its cash reserves and liability by the same amount when it borrowed $1.5 million. The assets side of the T-account increased by $1,500,000, increasing bank reserves, and the liabilities side of the T-account increased by $1,500,000, increasing demand deposits.
Therefore, with the addition of reserves, the bank can make loans to borrowers and earn interest on them. Similarly, because the bank is the borrower, Hubert can withdraw the amount from the demand deposit.
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Your question is incomplete, but most probably your full question was,
Suppose southeast mutual bank, walls fergo bank, and pjmorton bank all have zero excess reserves. The required reserve ratio is 20%. Hubert, a client of southeast mutual bank, , deposits $1,500,000 into his checking account at the local branch.
Complete the following table to reflect any changes in southeast mutual bank's T-account (before the bank makes any new loans).