The vocabulary term that relates to the political cartoon is compromise.
Northern Republicans support a substantial federal government and emancipation initiatives in order to bring the Union back together and put an end to the war by compel the South to unconditionally submit.
Copperheads, Northern Democrats who oppose the war and President Lincoln's conduct of it, are in favor of a settlement with the South to end the war, even if it means maintaining slavery.
What's the story in the cartoon?The Northern Republicans supported a strong federal government and the goal of emancipating slaves, in contrast to the Copperheads, who opposed the war and believed that slavery could be maintained through compromise. The Southern Scalawags criticized how the Confederacy handled the war and the power of plantation owners.
Southern Democrats are likely to disapprove of this cartoon because it portrays slavery as a factor in dividing the United States and implies that it is a negative aspect of Southern identity. Most likely, they would see it as a criticism of the status quo and a betrayal of their belief in the unique identity and nationalism of the South.
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Marx used the term __________ to refer to those who must sell their labor to the owners in order to earn enough money to survive.
a. entrepreneur
b. rentier
c. bourgeoisie
d. proletariat
Marx used the term proletariat to refer to those who must sell their labor to the owners in order to earn enough money to survive.
The proletariat is the social group of wage earners; these people are the only ones in a society who have substantial economic value outside of their labor force. A proletariat belongs to such a class. According to the bourgeoisie class of company owners, the bourgeois, the proletariat is exploited by capitalism and is required to accept inadequate salaries in exchange for using the means of production. Marx claimed that because of their oppression, the proletariat has universal economic and political interests, which drives them to band together, overthrow the capitalist class, and eventually establish a communist society that is free of class divisions.
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A. Whoever has spent much time in Florida waters knows that motorboats can have a harmful affect on manatees.
B. Whoever has spent much time in Florida waters knows that motorboats can have a harmful effect on manatees.
C. Whomever has spent much time in Florida waters knows that motorboats can have a harmful affect on manatees.
D. Whomever has spent much time in Florida waters knows that motorboats can have a harmful effect on manatees.
The correct choice is option B, "Whoever has spent much time in Florida waters knows that motorboats can have a harmful effect on manatees."
This choice is correct because "whoever" is the subject of the sentence and "knows" is the verb, making "whoever" the subject of the clause. In this case, "whoever" should be in the nominative case, which is "whoever" and not "whoever".
Option A, "Whoever has spent much time in Florida waters knows that motorboats can have a harmful effect on manatees," is incorrect because "effect" is used incorrectly in this context. "Effect" is a verb that means to influence or change, whereas "effect" is a noun that refers to the result or outcome of something. In this sentence, "effect" is the correct word to use as it refers to the impact that motorboats have on manatees.
Options C and D, "Whomever has spent much time in Florida waters knows that motorboats can have a harmful effect on manatees" and "Whoever has spent much time in Florida waters knows that motorboats can have a harmful effect on manatees" respectively, are incorrect because "whomever" is used incorrectly in the sentence. "Whomever" is in the objective case and is not the subject of the clause.
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Scientific World is a publication that covers groundbreaking events in science and technology. Which of the following would not be useful in determining whether this is an example of primary or secondary literature?a. The articles all have Literature cited sections.b. Most of the authors have higher education degrees such as a Ph.D. or an MD.c. The articles are written in the standard scientific formatd. The information for authors indicates that all articles are reviewed by experts in this field before they are accepted for publication.e. It is associated with an organization.
e. It is associated with an organization. A magazine called Scientific World highlights significant developments in science and technology. Its affiliation with an organisation is not relevant in figuring out if this is primary literature.
The original research publications that present the findings of science investigations are referred to as primary literature. Usually, scholarly publications that have undergone peer review will publish these pieces. On the other hand, papers that summarise, assess, or otherwise examine primary material are referred to as secondary literature. Usually, popular periodicals, newspapers, and other non-scholarly publications publish these stories. The answers to questions a, b, c, and d might help you decide if Scientific World is considered primary or secondary literature. For instance, primary literature frequently includes literature citation sections (Option a), which enables readers to identify the sources of the data offered in the piece.
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What was the Continental Congress?
A. Group of delegates representing the people of the American colonies
B. Group of soldiers from Canada sent to calm the riots
C. Meeting in America of British and French politicians and merchants
D. Meeting of delegates from Spain, France, and Britain
Answer:
I'm pretty sure its A
Explanation:
Because I'm pretty sure thats what I had learned in the past
suppose you are conducting a survey regarding in violence in hockey . you obtain a cluster sample of within and sample all in the randomly selected . the survey is administered by the .
conducting a survey regarding in violence in hockey A cluster sample is a type of sampling method where the entire population is divided into groups or clusters, and a random sample of these clusters is selected.
In this scenario, if you are conducting a survey on violence in hockey and you obtain a cluster sample, you would first divide the population of hockey players into groups or clusters. These clusters could be teams, leagues, or any other group that you believe is relevant to the survey.
You would then randomly select a sample of these clusters, and survey all individuals within the randomly selected clusters. By using a cluster sample, you are able to gather information from a representative sample of the population without having to survey every single individual. This can be more efficient and cost-effective than other sampling methods.
It's important to note that, if the clusters are not chosen randomly, the sample may not be representative of the population, leading to bias in the results. Additionally, if the clusters are too small or too large, it could affect the precision and accuracy of the results. It is important to carefully choose the clusters and the size of the sample in order to ensure that the results are representative of the population.
In the survey you would use appropriate questions that are related to violence in hockey, for example: Have you ever witnessed or been involved in a violent incident during a hockey game? How often do you think violence occurs in hockey games? How do you think violence in hockey can be reduced? These are examples of questions that would help you gather data on the level of violence in hockey.
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True/false: In a capitalist culture, people have an innate drive to accumulate goods and it is this which drives them to work hard.
False , People in a capitalist culture have an innate need to accumulate possessions, which motivates them to work hard. Prior to the early twentieth century, American culture emphasized thrift, with people expected to save money and only purchase basics.
Capitalism, in its ideal form, is defined by private ownership of the means of production, the pursuit of personal profit, competition, and the absence of government intervention.
Because it kept labor costs low, migration became a key feature in the development of capitalism. Because they were all members of the laboring class, ethnic and racial groups were fused in the culture of capitalism.
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_____ is not a weird culture. answer choices a. haiti b. australia
c. japan d. germany
Haiti is not a weird culture.
Haitian culture combines aspects from Africa, France, and the West Indies. The Creole language, once a social barrier, is now being used to try to define a national culture. The language is employed in some official activities as well as in music, dance, drama, and literature. Voodoo culture uses its own vocabulary.
Haiti is renowned for having a vibrant folklore culture. As part of the Haitian Vodou heritage, the nation is home to numerous mystical tales. Papa Doc, the cruel dictator of Haiti, was a fervent believer in the folklore of the nation and used portions of it to govern his administration.
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identify stakeholders' decisionsjudge the ethics of strategic decisionsestablish moral intentengage in ethical behavioraudit decisions
These steps involve understanding how a stakeholder would be affected by a decision, being aware of the ethical and moral implications of a decision, and assessing past decisions to know if they complied with set standards.
A stakeholder in a corporation is a member of "groups without whose support the organization would cease to exist," as defined in a 1963 internal memo at the Stanford Research Institute. R. Edward Freeman later developed and championed the theory in the 1980s.
It has since gained widespread acceptance in business practice and theorizing concerning strategic management, corporate governance, business purpose, and corporate social responsibility (CSR). The definition of corporate responsibilities through a classification of stakeholders to consider has been criticized as creating a false dichotomy between the "shareholder model" and the "stakeholders model" or a false analogy of the obligations towards shareholders and other interested parties
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the following is an imaginary conversation between osei tutu, the asantehene (king) of the ashanti in modern-day ghana, and john chambers, a british slave trader. as they discuss the changes brought about in africa by the trans-atlantic slave trade, fill in the blanks with the most appropriate answers from the dropdown menus.
Captives seized in battle, field labourers and household slave, the middle east, across the sahara and slavic speaking peoples are the main points in the main event of the imaginary conversation.
Larger states typically acquired their territories through the use of force and maintained them through imposed taxes. Agriculture and trade, or the control of the latter with additional taxes or surcharges, were the main sources of wealth. The largest African republics were located in savannahs on the edge of the desert; these regions could support themselves through agriculture and the keeping of horses, allowing the central government to levy taxes and guard the borders.
Despite the fact that the majority of these realms, including Mali, Bornu, and the Hausa kingdoms, practised Islam, the aristocracy and commoners were nonetheless separated from one another through the architecture, furnishings, and clothing the slaves wore.
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arrange the following tasks in order from the one that would require the least extensive testing procedure to the one that would require the most extensive. explain your answer.
Determine whether an unknown substance contains a drug. Determining the composition of an unknown substance. See. Determining whether an unknown substance contains heroin.
Because the investigator can only choose techniques that are designed to identify the presence of heroin, determining whether an unknown substance includes heroin would need the least expensive testing possible. The next most thorough testing regimen is needed to determine whether an unknown substance contains a drug since the investigator must choose all the methods required to test for every kind of drug. The extraordinarily huge number of options would likely necessitate the most comprehensive testing in order to determine the composition of an unknown material 'Testable substances'.
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is to effect an arrest as only that force reasonable for restraint of the subject and to get the subject to submit to custody.
The force that is reasonable for the restraint of a subject and getting them to submit to custody will depend on the situation.
Generally speaking, police officers should use the least amount of force necessary to make an arrest. This can include physical restraint, verbal commands, and/or using pepper spray or a baton. If the subject is violent or resists arrest, officers may need to use more force to subdue them. Ultimately, the amount of force used should be proportional to the level of resistance.Learn more about resists arrest at: https://brainly.com/question/18731701
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You wish to replicate the study by Dr. Robert Bullard that launched the environmental justice movement to learn if things have changed today. Which of the following do you analyze and compare to the percentage of black neighborhoods?
-The number of cancer cases.
-The number of toxic industries.
-Access to clean drinking water.
-Where waste is being disposed of
The location where garbage is disposed of. The concept of environmental justice upholds the idea that all individuals have a right to equal protection and fair application of environmental laws.
When did the environmental justice movement begin?Many people view the Warren County residents legal challenges and street protests against the dump as the beginning of the national movement for environmental justice.
What year did the initial environmental movement begin?The current environmental movement, which got its start in the 1960s with worries about air and water pollution, widened its focus to encompass all natural areas and human endeavours.
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Where in your life do you see federalism in action?
Why did the framers of the Constitution want to use federalism for the new "United States"?
Even though the local governments have limited geographical power, why are they important?
Answer:
In Explanation
Explanation:
federalism is a system of government in which power is divided between a central authority and constituent political units. In the United States, the federal government and the state governments share power and responsibilities.
The framers of the Constitution wanted to use federalism for the new "United States" to balance the power between the central government and the states. They believed that a federal system would provide a way to unify the country while also preserving the autonomy of the individual states. This would also prevent any single level of government from becoming too powerful and would provide a system of checks and balances.
Even though the local governments have limited geographical power, they are important because they provide a closer level of government to the people. They are responsible for the day-to-day administration of public services such as schools, roads, and public safety. They also provide a platform for citizens to participate in the decision-making process and to hold their leaders accountable. Local governments are also well-positioned to understand and address the specific needs and concerns of their communities, which can vary significantly between different regions of the country.
In summary, federalism is a system of government in which power is divided between a central authority and constituent political units. It was adopted by the framers of the Constitution to balance the power between the central government and the states and prevent any single level of government from becoming too powerful. Local governments are important even though they have limited geographical power because they provide a closer level of government to the people, and are well-positioned to understand and address the specific needs and concerns of their communities.
(Please give brainlist)
Each example describes a person doing something that makes them an exceptional manager. Read the examples, then match each one to the name of the challenge that the example best depicts being overcome
Mirren's role as operations manager includes ensuring that the company does not waste energy or produce excessive pollution in its operations.
Managing for Sustainability the Business of Green.
What is meant by energy ?Scientists refer to energy as the capacity for work. People have discovered how to convert energy from one form to another and then use it to complete tasks, allowing modern civilization to exist.
Common forms of energy include the kinetic energy of a moving object, potential energy stored by an object (for example, due to its position in a field), elastic energy contained in a solid object, chemical energy linked to chemical reactions, radiant energy carried by electromagnetic radiation, and internal energy contained within a thermodynamic system.
All living things are constantly consuming and expending energy. Human civilization requires energy, which can be obtained from sources such as fossil fuels, nuclear fuel, or renewable energy.
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the cultural norms of japan promote . group of answer choices competency-based pay loyalty and teamwork competition between employees unionization
the cultural norms of japan promote loyalty and teamwork.
Japanese values are deeply ingrained in every element of life and will always have an impact on relationships with family, coworkers, and friends. Some of the fundamental principles in Japan include loyalty, teamwork, considering others, giving it your all, never giving up, honoring your elders, understanding your place in the group, and cooperating with others.
From early education to the workplace, these ideas are both overtly and implicitly taught. Japanese youngsters are introduced to omoiyari from a very young age (to notice and think of others). To advance to the next level of study, students must pass challenging entrance exams. During this process, they discover that effort and endurance are more important than natural talent in achieving goals.
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Tom is guiding a group of his students through a big picture reading of Romeo and Juliet. Which of the scenarios below should NOT be included as part of this guided reading?
Study questions to consider during reading that focus on the theme of 'fate versus free will'.
Instructions for identifying places where the author made interesting word choices.
The scenario which will not be a part of the guided reading will be Instructions for identifying places where the author made interesting word choices that is option B is correct.
Guided reading is the procedure in which the reader is able to read the chapter of the book or any picture thoroughly and after reading if any question is asked from the reader he is able to give the answer of that question without any mistake. Guided reading is done to increase the learning capacity of students in schools. It helps them to memorize all the aspects of the chapter and to go through the concepts easily. Tom is making his students go through a big picture of Romeo Juliet through process of guided reading so he will ask his students to study the questions during the reading that will focus on the theme of the picture.
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while on a service call at a customer site, you are discussing the problem with the customer when your cell phone rings. you check the caller id, and you see that the call is related to parts you ordered for another customer. which of the following is the most professional way to handle the situation?
You can then stroll into the hallway to short speak on the phone after asking the client if they mind if you take the call is the most professional way to handle the situation.
Although it might seem simple, good telephone manners go a long way in ensuring that the customer has a nice experience. Calls should be returned promptly, hold periods should be kept to a minimum, and customers should always be consulted before being transferred or put on hold.
A reciprocal answer won't solve the issue and is probably going to make it worse. Instead, convince the client that you are willing to help and that you are the best alternative they have right now for a solution. This simple comment frequently eases stressful situations.
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The most professional way to handle the situation is to apologize to the customer, explain that you need to take the call, and offer to call them back as soon as you are finished.
This shows that you respect the customer and value their time. It is also important to ensure that the customer knows that you are still focused on the problem and that you will be back to them as soon as you finish the call.
When taking the call, it is important to be respectful to the other customer and to explain the situation. You can then make sure to thank them for their patience and end the call quickly so that you can get back to the customer you are with.
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is rolling out a new approval preocess as the last step in the process after opportunity has been approved
Once all necessary approvals have been received, final approval steps take place. Once the opportunity has been approved, the final phase in the process involves rolling out a new approval procedure.
When an approver rejects the request, the request enters the state of final rejection, resulting in a final rejection action. An outbound message transmits data to a specified endpoint, such as an external service. When all necessary approvers have approved a step, an approval action takes place. In Salesforce, record approval is automated using an approval procedure. A method for approval outlines each step, including who to ask for approval from and what to do at each stage.
There may be one or more approval steps in the approval process. Each phase in the approval process has its own standards and approvers.
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Which of the following actions should a management accountant take first in confronting a potential ethical conflict concerning your direct supervisor?A) Inform the Board of Directors of the existence of a potential conflict.B) Clarify relevant ethical issues by initiating a confidential discussion with an IMA Ethics Counselor.C) Consult the attorney as to legal obligations and rights concerning the ethical conflict.D) Follow the organization's procedures concerning resolution of such a conflict.
'Follow the organization's procedures concerning resolution of such a conflict' should a management accountant take first in confronting a potential ethical conflict concerning direct supervisor.
When an employee's personal values and the organization's undesirable outcomes clash, ethical conflict results. Conflicts occur when someone behaves unethically or when people hold divergent views on what actions are appropriate. When it comes to developing the ethical culture of a corporation, company leadership sets the standard and leads by example.
The greatest way to handle ethical conflicts is to avoid mistakes altogether. As businesses expand, they could establish a dedicated position or division to oversee compliance with company policies and ethics. Without a formal title, even small and medium-sized businesses might designate someone to perform the same position.
The correct answer is option D.
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according to mother jones, what factor does not explain why pintos caught fire so easily?assembly line machinery was already tooled when engineers discovered the effectrushed production schedule to compete with the lucrative small car marketpaperwork blunder caused a critical part to be made to incorrect specificationsford successfully lobbied against key government safety standards
Option C is correct, Paperwork blunder caused a critical part to be made to incorrect specifications the factor that does NOT explain why Pintos caught fire so easily, according to the Mother Jones article.
500 individuals died from burns as a result of Pinto. Ford took eight years to complete all the repairs; this delay was caused by the time required for a "cost-benefit analysis". According to conservative estimates, Pinto collisions have resulted in 500 burn deaths among individuals who would not have suffered serious injuries if the car had not erupted into fire.
The total number can reach 900. The settlement implies less money, lower legal costs, and less advertising, but it is proof of how weak their case was.
Ford has, however, started making settlements when it is obvious that it cannot place the fault on the driver of the other vehicle.
These are the claims that underlie the failure of mother Jone's article to explain why Pintos caught fire so easily.
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select all that apply effective ethics officers: multiple select question. relate well to employees at all levels can be trusted to maintain confidentiality share all information with managers when requested favor management in their investigations
Effective ethics officers communicate well with all levels of staff and are relied on to protect confidentiality.
The conveyance of information is commonly defined as communication. The phrase can also apply to the message itself, as well as the branch of study that investigates these transmissions, referred to as communication studies. Some people argue on the specific definition of communication, such as whether inadvertent or unsuccessful transmissions are included, and whether communication not only transmits meaning but also creates it. Communication models seek to give a simplified understanding of its primary components and their interactions. Many models involve the concept of a source expressing data in the form of the a message using a coding system. The message is sent from the source via a channel to the receiver, who must decryption it in order to comprehend its meaning.
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What similarities can be found between the action (or lack thereof) of the National and State Governments between the events of the Freedom Rides and in the Letter from Birmingham Jail?
Any nonviolent campaign consists of four fundamental steps: gathering information to determine whether injustices exist; negotiating; and self-cleansing.
How did the Letter from Birmingham Jail affect you?
In a movement that was largely centered on spoken words and actions, the letter served as a tangible, reproducible account of the long road to freedom. The document is now regarded as a classic piece of protest literature despite its pragmatic and hasty beginnings.
What was the point of the Birmingham Jail letter?The letter gives us a chance to understand not only past injustices but also to bring to light the truth current injustices. King made an effort to demonstrate the advantages of a "nonviolent campaign" and the "four essential steps it takes: gathering information to determine whether injustices exist; negotiation; self-purification; and direct action" after denying the claim in the letter's body that he was an "outside agitator."
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Which of the following is an example of institutional discrimination?O Automobile dealerships typically charge minority car buyers a higher interest rate that offered to white buyers.
Automobile dealerships typically charge minority car buyers a higher interest rate that offered to white buyers is an example of institutional discrimination.
When an organization's policies, procedures, cultures, and systems inherently discriminate against a group or groups of people based on their color, race, sex, or religion, this is known as institutional discrimination. Discrimination based on gender, for instance, prohibiting women from working in the garage.
Institutional discrimination occurs when a group of people who come into contact with an institution are adversely affected by it in a systematic manner. These institutions can be educational, political, or economic.Institutionalized discrimination is the unjust and discriminatory treatment of a person or group by society and its institutions as a whole through unequal selection or bias, whether intentionally or unintentionally, as opposed to individuals making a conscious decision to discriminate.
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True or False The phase of human resources management in which an employee's skills are improved and his or her capabilities are expanded is known as maintaining.
The phase of human resources management in which an employee's skills are improved and his or her capabilities are expanded is known as maintaining.
Hence, this sentence is True.
What are the phases of human resource planning?Recognizing the current supply of persons, determining the workforce's potential, harmonizing labour supply and demand, and developing strategies that support the organization's mission are the four major phases in the HRP process.
Which activity of HRM focuses on improving the performance of individuals and groups within the organisation?Skills and expertise are carried out to help people and groups perform better. Because of the rapid evolution of technology, the importance of training and development has expanded. In certain organisations, this work is performed on a continuous basis.
What is the 3 Human Resource Development main functions?Attracting and retaining employees. Workforce and talent management. Position assignment and advancement in one's career.
What is the final phase in human resource planning?Once you've analysed your current human resource capabilities, predicted future HR demands, and identified gaps, the next process is to integrate your human resource plan with your organisational strategy.
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a research study finds that the stream of consciousness during dreaming differs from that which occurs while awake. which of the following would be directly disconfirmed by this finding?
Sleep awareness is frequently associated with dreaming and is regarded to be distinct from awake consciousness. Recent study, on the other hand, indicates that humans spend a significant portion of our waking lives mind wandering or lost in spontaneous ideas.
The hippocampus, located deep within the temporal lobe of the brain, plays an important part in our ability to recall, imagine, and dream.
Third, the qualitative characteristics of REM and non-REM dream reports differ. REM reports are more intense, odd, perceptually vivid, emotive, and kinesthetically engaging than non-REM reports [8,11,14], which are more thought-like and conceptual [16,18].
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In the video that we watched, what is Walter Russell Mead's point about the relationship between democracy and capitalism in the United States?
Capitalism is the dominant economic system in the United States. Market economies exist here. Those who practice capitalism own most businesses, not the government. Companies make this decision in the United States.
What is capitalism?
The capitalist system is an economy in which the means of production are privately owned and used for profit. Capital accumulation, competitive markets, the price system, private property, the recognition of property rights, voluntary exchange, and wage labor are central aspects of capitalism. A common conception of capitalism is as an economic system in which private entities own and control property in accordance with their interests and where supply and demand freely determine market prices in a way that benefits society. The main motivation of capitalism is profit. The invention, prosperity and flourishing of modernity undoubtedly depend largely on capitalism. Socialism focuses on state planning and the limitation of private control over resources, while capitalism relies on individual initiative and favors market mechanisms over state involvement.
When economies are left to their own devices, they often mix components of both systems.
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Jenny gives a speech to share information about the homeless community in her city. This is an example of what kind of speech?
This is an example of an informative speech. Informative speeches are designed to share knowledge or information about a specific topic, in this case, the homeless community in Jenny's city. The goal of an informative speech is to educate the audience and provide them with new information or insights about a particular subject. The audience can expect to learn about the causes, effects, and potential solutions to the issue of homelessness in the city that Jenny is discussing.
Respondents to surveys often report that they are healthier, happier, and less prejudiced than would be expected based in the results of other types of research. This finding can best be explained by which of the following?answer choicesSampling biasExperimenter biasSocial desirability biasBystander effectPlacebo effect
The best explained for the research by which of the Social desirability bias.
What is Social desirability bias?In other words, regardless of the correctness of their responses, individuals have a propensity to respond in a way that makes them appear favorable to others. For instance, most people would downplay driving after drinking since it would reflect negatively on them and would certainly elicit negative reactions from others. The propensity for people to display themselves in a generally positive way is known as social desirability. The subject of social desirability has long been and continues to be a source of contentious debate, especially within the field of self-report evaluation of personality and attitudes.
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the fact that communication is irreversible means we must exercise restraint when we speak and write to others.
Because communication is irreversible, we must exercise caution in our words and deeds. Before speaking or writing, it is critical to think about the possible implications.
The conveyance of information is commonly defined as communication. The phrase can also apply to the message itself, as well as the branch of study that investigates these transmissions, referred to as communication studies. Some people argue on the specific definition of communication, such as whether inadvertent or unsuccessful transmissions are included, and whether communication not only transmits meaning but also creates it. Communication models seek to give a simplified understanding of its primary components and their interactions. Many models involve the concept of a source expressing data in the form of the a message using a coding system. The message is sent from the source via a channel to the receives, who must decode this in order to grasp its meaning.
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when an applicant purchased a life insurance policy, the agent dated the application 4 months prior. when asked by the applicant, the agent said he was allowed to backdate policies up to 6 months if it would
Four months before the applicant bought the life insurance, the agent stamped the application. The agent informed the applicant that he was allowed to retroactively apply policies for a maximum of six months if doing so would result in a reduced premium.
What does "life insurance policy" actually mean?
Life insurance is a contract between a policy holder and an insurer whereby the insurer agrees to pay a sum of money in exchange for a premium when an insured person passes away or after a specified period of time.
The three primary types of life insurance are whole life, universal life, and term.
What are the main benefits of life insurance?
However, if your family has more coverage, they will be able to gain access to a greater variety of benefits, such as yearly income replacement.
getting rid of your mortgage. Paying off more bills, such as credit card, student loan, and auto loan debt.
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