One goal when sending a message that refuses credit is to retain the customer on a cash basis.
Credit is the capacity to get funds on credit, as well as products or services, with the expectation that payment would be made later. Credit comes in a wide variety of ways. Financial or bank credit is the most often used type. These types of credit include lines of credit, mortgages, signature loans, and auto loans. In essence, when a bank loans money to a customer, the borrower receives a credit and is then required to repay the loan at a later time.
One purpose of issuing a letter denying credit is to keep the client on a cash basis. The avoidance of hurtful wording, planning for potential future credit without creating unrealistic expectations, and avoiding disclosures that can result in the legal action are other objectives.
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suppose that the required reserve ratio is 8.00 %. what is the simple money (deposit) multiplier? round to two decimal places. money multiplier:
suppose that the required reserve ratio is 8.00 % so Money Multiplier= 1/ Reserve Ratio = 1/0.08=12.5.
Money MultiplierMoney multiplier is a phrase in monetary economics that refers to the phenomena of producing money in the economy through credit creation under the fractional reserve banking system. The monetary multiplier is another name for money multiplier. It is the greatest extent to which changes in the quantity of money deposits can alter the money supply. Commercial banks exhibit the money multiplier effect when they receive deposits and, after retaining a fixed amount as a reserve, distribute the money as loans to infuse liquidity into the economy.
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describe some of the ways people use agency to respond to globalization including syncretism and participation in alternative markets.
Syncretism is the blending of several beliefs—even those that appear to be at odds with one another—into a fresh, unified whole. insofar as it mediates overlapping frameworks, responds to globalisation.
As Syncretism "weapon of the weak," James C. Scott refers to the tactics used by oppressed groups to resist without directly confronting their globalisation. Small farmers and craftspeople who have been impacted by these policies can receive help from socially concerned consumers by purchasing "fair trade" products. Vendors must agree to a "fair" price in order to receive fair trade certification; this price will be increased if the world market price increases over the fair trade level.
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results to a consumers search quey that appear even though and advertiser is not paying for them are called
That appear even though and advertiser is not paying for them are called Walsh-Healy Public Contracts Act of 1936 and the Davis-Bacon Act of 1931.The Walsh Healey Public Contracts Act was passed to provide minimum salaries.
Working hours, and safety and health requirements for government.According to the Davis Bacon Act, government contractors are required to pay their staff a remuneration that is equal to the going rate for the area.Customer Query means a request to FNB by or on behalf of a customer or prospective customer, for information or advice regarding a product or service provided or offered by FNB, or to an agreement with FNB Bank’s products, services or related processes, or to carry out a transaction or action in relation to any such product or service. Where a customer, non-FNB customer or potential customer is expressing doubt, or needs clarity on the validity or accuracy of information.
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what topics are considered so important that they are placed on top of the strategic planning pyramid?
Because of their significance, the strategic planning pyramid places the mission and vision at the top.
What is the pyramid of strategic planning?
A strategic planning pyramid is a visual aid for elaborating a business plan's top-to-bottom goals.You may be able to plan the steps necessary to achieve the company's vision with the assistance of this straightforward strategy.
Which level of strategy is at the top of the pyramid?
Corporate-level strategy Despite its position at the top of the hierarchy, we begin this article by describing business-level strategy.
What is strategic plannings vision and mission?
Keep in mind that your goal is the vision.A mission is a broad declaration of your plan for achieving your vision.A series of ways to use the mission to achieve the vision is called a strategy.Statements of what needs to be done to implement the strategy are goals.
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Oil prices are denominated in terms of _____ in international commodities markets.
Oil prices are denominated in terms of Dollars in international commodities markets.
What is market explain?The entire number of market participants in the region or neighborhood under consideration is referred to as the market. Earth, as well as several nations, regions, states, and cities, may be the subject. The worth, expense, and cost of the goods traded depend on the buyers and sellers in the market.
What types of markets are examples?Any location where producers, retailers, or distributors sell and customers buy is a market. Websites, main streets, and stores are a few examples. The phrase may also be used to describe all customers who purchase a product or service. Market-based businesses frequently face competition from other businesses.
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how much should you keep in your tax savings account in order to be prepared to pay your quarterly estimated tax?
Divide the entire revenue for the firm from the previous year by four. then determine 30% of that sum.
What are taxes, please?Taxes are required payments given to individuals or enterprises by a government agency, whether local, state, or federal. Public infrastructure and facilities like roads and schools, as well as programs like Medicare and Medicaid, are all funded through tax dollars.
What sets tax distinct from taxation?Taxation refers to all forms of imposed financial obligations, such as income taxes, taxes on capital gains and estate taxes. Although "taxation" may relate to both an action and a word, the resulting money is most frequently mentioned when the phrase is employed.
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question an investment broker has 25 clients, each of which has invested in mutual funds or municipal bonds, or both. if 20 clients have invested in mutual funds and 18 clients have invested in municipal bonds, how many clients have invested in both?
2 clients of the broker have invested in both mutual funds and municipal bonds according to the given question.
How do mutual funds work? What are they?A particular kind of financial vehicle known as a mutual fund combines investor funds with a single investing objective. The money are then invested in a variety of asset types, including equities and bonds, according on the scheme's objectives. An asset management firm makes these investments on the investors' behalf (AMC).
Are mutual funds a prudent investment option?Mutual funds may be a worthwhile investment for those looking to diversify their investments. Determine whether investing in mutual funds is the best decision for you. Mutual funds offer diversification and convenience at a low cost, but whether you should invest in them depends on your unique situation.
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There are five important steps to preparing a statement of cash flows. Rank the steps in order from first to last i Instructions Compute net cash from or for operating activities. Compute the net cash from all sources; then prove it by adding it to beginning cash to get ending cash. Compute net cash from or for financing activities. Compute the net increase or decrease in cash. Compute net cash from or for investing activities.
In preparing a cash flow statement , the ranking of the steps will be computing the net increase or decrease in cash and the final step will be computing the net cash flow by combining net cash provided.
What does a cash flow statement serve as?A cash flow statement's goal is to give a thorough account of what happened to a company's cash over a given time period, also referred to as the accounting period. Based on how much money is coming into and going out of the company, it shows how well a company can operate both short- and long-term.
Why is a cash flow statement crucial?An entity's cash flow statement (CFS) contains important data. It displays the flow of cash into and out of a business. It aids shareholders and investors in comprehending how much cash a corporation is generating and spending.
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external fallure costs occur o after, before o before. before o after, after o before, after a defective product makes its way to the
External failure costs when the defect is discovered after it has reached the customer. This is the most expensive category of quality costs. Examples include product returns, repairs, warranty claims, lost reputation, and lost business.
recognition is a ubiquitous, spontaneous, and pretty green mechanism of social control.[2] it's far a subject of look at in social, control,[3] and technological sciences.[4] Its impact tiers from competitive settings, like markets, to cooperative ones, like corporations, corporations, institutions and communities. furthermore, reputation acts on special degrees of organisation, individual and supra-character. at the supra-person stage, it worries businesses, groups, collectives and abstract social entities (which include companies, organizations, agencies, international locations, cultures or even civilizations). It affects phenomena of different scales, from normal life[5] to relationships among countries. reputation is a fundamental instrument of social order, based upon dispensed, spontaneous social manipulate.
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Suppose we want to choose capacity for a plant that will produce a new drug. In particular, we want to choose the capacity that maximizes discounted expected profit over the next 10 years. We have the following information:
* Demand for the drug is expected to be normally distributed ~ Normal (50,000, 12,000).
* A unit of capacity costs $16 to build. * The number of units produced will equal the demand, up to capacity limits.
* The revenue per unit is $3.70 and the cost per unit is $0.20 (variable cost).
* The maintenance cost per unit of capacity is $0.40 (fixed cost).
* The discount rate is 10%.
Perform a simulation assuming the plant will be designed to meet the expected demand (i.e., 50,000 units). You may use the template below to build your model:
What is the net present value (NPV) in that case?
a. less than or equal to $10,000
b. more than $10,000 and less than or equal to $25,000
c. more than $25,000 and less than or equal to $50,000
d. more than $50,000 and less than or equal to $75,000
e. more than $75,000
The net present value, in that case, is more than $10,000 and less than or equal to $25,000. Option B.
Present value is the present value of a future amount of money or cash flow given a particular rate of return. Present value on the other hand is the difference between the present value of cash inflows and the present value of cash outflows over a period of time.
Net Present Value is used to calculate the present value of future cash flows from a business project or investment. Calculating NPV involves estimating the timing and amount of future cash flows and choosing a discount rate that corresponds to the minimum acceptable rate of return. NPV is calculated as the sum of discounted cash flows. Here, the multi-year benefits minus the costs are discounted by a percentage.
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uppose a mutual fund qualifies as having moderate risk if the standard deviation of its monthly rate of return is less than %. a mutual-fund rating agency randomly selects months and determines the rate of return for a certain fund. the standard deviation of the rate of return is computed to be %. is there sufficient evidence to conclude that the fund has moderate risk at the level of significance? a normal probability plot indicates that the monthly rates of return are normally distributed.
SD refer to a measure of how spread out the data are about the mean. A low standard deviation means that the data are clustered around the mean, and a high standard deviation means that the data are more scattered.
Standard deviation is a measure of the amount of variation or spread in a set of values. A low standard deviation indicates that the values tend to be closer to the mean (also called mean) of the set, while a high standard deviation indicates that the values are more spread out.The standard deviation is sometimes abbreviated SD and is most commonly represented in mathematical texts and equations by the lowercase Greek letter σ (sigma) for the population standard deviation or the Latin letter s for the sample standard deviation.The standard deviation of a random variable, sample, population, dataset, or probability distribution is the square root of its variance. This is algebraically simpler than the mean absolute deviation, but is actually less robust A useful property of the standard deviation is that, unlike the variance, it is expressed in the same units as the data.The standard deviation of a population or sample and the standard error of a statistic (such as the sample mean) are distinct but related. The standard error of the sample mean is the standard deviation of a series of means obtained by taking an infinite number of replicate samples from a population and calculating the mean of each sample. The standard error of the mean is equal to the population standard deviation divided by the square root of the sample size and is estimated using the sample standard deviation divided by the square root of the sample size. For example, the standard error of a survey (reported as the survey error bar) is the expected standard deviation of the estimated mean if the same survey were performed multiple times. The standard error thus estimates the standard deviation of the estimate and itself measures how dependent the estimate is on a particular sample taken from the population.In science, it is common to report both the standard deviation of data (as a summary statistic) and the standard error of an estimate (as a measure of the potential error of the result). By convention, only effects that are more than 2 standard errors from zero expectation are considered "statistically significant". This is actually a safeguard against false conclusions due to random sampling errorLearn more about SD
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in 2019, japan had a debt/gdp ratio of 256.22%. for the same year, germany had a debt/gdp ratio of 68.93%. from this data, which is not true?
We can't reach any conclusions about the government budget result of either Germany or Japan for the year of 2019.
A budget is a calculating plan, typically financial but not necessarily, for a specific time frame, typically one year or one month. Predicted sales and revenue amounts, resource quantities, environmental impacts, other impacts, assets, liabilities, and cash flows are all possible inclusions in a budget.
Budgets are a quantitative way for businesses, governments, families, and other groups to articulate their strategic plans of action. In a budget, planned expenses are expressed together with suggestions for how to fund them. A budget might show a surplus of resources for later use or a deficit if expenses are greater than income or other resources.
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true or false: based on the fact that both carlos and deborah increased production from the initial cartel quantity, you know that the output effect was larger than the price effect at that quantity.
True, You can tell that the output effect was greater than the price effect at that quantity because both Carlos and Deborah increased production from the initial cartel quantity.
The price effect is a concept that examines how market prices affect consumer demand. The price effect can be a useful tool for businesses when determining the selling price of their goods and services. Buyers typically buy less when prices rise, and vice versa when prices fall.
The price impact is brought on by a shift along the supply curve, not by an immediate change in supply. Price and quantity exchanged fall as a result of an inward shift in demand.
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the privilege of moving funds from one fund to another within the same family without paying a commission is known as the
Exchange permission is the right granted to shareholders of mutual funds to switch their investment from one fund to another within another fund family.
What is a brief definition of funds?A cornerstone is a pool of funds dedicated for a certain purpose. A fund may be established to fulfill a number of goals, including the launch of a particular civic center by the local government, the giving of educational scholarships, or the settlement of customer claims through an insurance company.
What do funds in finance mean?Funds are cooperative investments that help you diversify your total risk by pooling your money and the investment of other investors and investing it in a variety of underlying businesses.
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What name is given to the process in which a strand of dna is used as a template for the manufacture of a strand of pre-mrna? what name is given to the process in which a strand of dna is used as a template for the manufacture of a strand of pre-mrna? rna processing gene expression polypeptide formation transcription translation.
The process of using a strand of DNA as a template to create a strand of pre-MRNA is referred to as transcription.
What do you mean by transcription?The process of gene expression starts with transcription. Making an RNA molecule requires duplicating the DNA sequence of a gene. RNA polymerases are enzymes that carry out transcription by joining nucleotides to create an RNA strand (using a DNA strand as a template).
The nucleus is where transcription happens. An RNA (mRNA) molecule is created using DNA as a template. An mRNA strand that is complementary to a DNA strand is created during transcription.
Transcription and translation are the processes by which DNA is converted into RNA and used to make proteins, respectively.
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businesses cut back spending when the price level rises, because the resulting increased demand for money drives the interest rate upward. group of answer choices true false
The given statement is True. For the same basket of products and services, higher prices necessitate greater financial outlay. The cost of borrowing money, or the interest rate, rises in response to the rising demand for money.
In response to higher interest rates, businesses reduce expenditure because investments become less profitable. When prices rise, the aggregate demand curve moves downward because consumers and foreigners likewise reduce their spending.
The aggregate demand curve can be changed by other policy instruments as well. The Federal Reserve, for instance, has an impact on loan availability and interest rates.
Higher interest rates have the tendency to discourage borrowing, which lowers both family expenditure on expensive products like homes and vehicles as well as company investment spending. Conversely, lower interest rates will increase demand for investments and consumer goods. Exchange rates and interest rates can both have an impact on aggregate demand's export and import components.
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the process of an economy adjusting from a recession back to potential gdp in the long run without any government intervention is known as group of answer choices fiscal policy. an automatic mechanism. monetary policy.
Fiscal policy is the long-term process through which an economy recovers from a downturn and returns to its potential GDP without any direct involvement from the government.
Tax reductions and increased government expenditure are the two primary manifestations of expansionary fiscal policy. Both of those regulations aim to raise the demand for mixtures while reducing budget surpluses or adding to deficits. The method through which the government modifies its spending and sales in order to influence the larger financial system is known as financial coverage. The government may influence the economy by changing its level of expenditure and tax revenue, which can either increase or decrease financial interest in the short term.
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Mr. Nailor invests $19,000 in a money market account at his local bank. He receives annual interest of 12% for 11 years. How much return will his investment earn during this time period? Use Appendix A to calculate the answer.
Multiple Choice
$66,101
$5,453
$63,785
$47,101
Mr. Naylor invests $19,000 in a money market account at his local bank. It earns 12% annual interest for 11 years. During this period his investment will earn a return of $47,101. Here option D is the correct answer.
Future Value (Compounding Purpose) - Single Cash Flow
Return Earned = PV × [tex](1+ R)^{n}[/tex] – PV
where,
PV = Present Value of Investment = Amount Deposited = $ 19000
R = Rate of Interest = 12%
n = Number of years = 11 years
The money gained or lost on an investment over time is referred to as a return, often known as a financial return. The nominal change in an investment's dollar value over time can be used to describe a return.
Return Earned = 19000 × [tex](1.12)^{11}[/tex] - 19000
Using Table for Future Value Factor of 12% at n = 11,
Return Earned = (19000 × 3.479) - 19000
Return Earned = 66101 - 19000
Return Earned = 47101
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the flexible budget performance report directs management's attention to areas where: (check all that apply.) multiple select question. costs differ substantially from budgeted amounts. small flexible variances exist. small quantity variances exist. revenues differ substantially from budgeted amounts.
The flexible budget performance report directs management's attention to areas where:
revenues differ substantially from budgeted amounts.costs differ substantially from budgeted amounts.What is the flexible budget performance?A management report called a flexible budget performance report contrasts the period's actual revenues and costs with those projected based on the actual sales volume.
The flexible budget is a useful tool for assessing the performance of managers since it adjusts itself based on activity levels; the budget should nearly match expectations at any number of activity levels.
A flexible budget can be used to improve performance evaluations since it adapts to changes in activity levels and follows anticipated expense trends.
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which of the following is the correct ranking from least risky to most risky? select one: a. stocks, treasury bills, long-term treasury bonds b. long-term treasury bonds, stocks, treasury bills c. treasury bills, long-term treasury bonds, stocks d. stocks, long-term treasury bond, treasury bills
C. treasury bills, long-term treasury bonds, stocks is the correct ranking from least risky to most risky.
Stock consists of all the shares by using which ownership of a agency or enterprise is split. A unmarried share of the stock means fractional ownership of the employer in share to the total range of shares.
Stocks constitute ownership in a publicly traded agency. while you purchase a agency's stock, you turn out to be part-owner of that employer. as an example, if a organisation has 100,000 shares, and also you purchase 1,000 of them, you very own 1% of the business enterprise.
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gary is working extra hard because his boss promised him a bonus if he reached his goal. this is best exemplifies
Gary is putting in extra effort because his boss assured him of a bonus if he meets his objective. This is the perfect illustration of extrinsic motivation. Extrinsic motivation is significant because it can be a useful tool for changing behaviour.
Extrinsic motivation is when someone is motivated by rewards or other factors, such as praise, fame, or money. This type of motivation is not driven by internal forces like intrinsic motivation. Extrinsic incentive includes things like getting paid to complete a task. The most fundamental distinction is between extrinsic and intrinsic drive, or doing something because it results in a separate outcome and doing something because it is intrinsically interesting or enjoyable. Extrinsic motivation is characterized as an incentive to engage in an activity based on achieving an external goal, winning a competition, gaining acclaim and approval, or receiving a prize or cash.
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When a shift in ________________ occurs, rational expectations hold that its impact on output and employment will only be temporary. a) aggregate supply b) wage levels c) aggregate demand d) price levels
When a shift in aggregate supply occurs, rational expectations hold that its impact on output and employment will only be temporary.
Shifts withinside the quick run mixture deliver curve are because of modifications in inflationary expectancies; modifications in employee pressure and capital inventory availability; modifications in authorities action (now no longer similar to authorities' expenditure); modifications in productivity; and deliver shocks.
When a shift in mixture calls for occurs, humans and agencies with rational expectancies will recognize that its effect on output and employment may be temporary, at the same time as its effect at the charge degree may be permanent.
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organizational structures that are characterized by democratic and inclusive styles of management are best described as
Hierarchical is the most appropriate term to describe organisation structure that are defined by democracy and inclusive management methods.
What does management mean?The process of completing the labor or task necessary for accomplishing an organization's goals in the most efficient and efficient way is referred to that as management. The management functions are implied by the process. Planning, organizing, staffing, directing, as well as managing are therefore involved.
What role does management play?A manager's job is to give all efforts to achieving organizational objectives general guidance and leadership. Increasing productivity by proper coordination, organizing, managing, and directing, management contributes to the business's increased efficiency.
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knowledge check in 1994 mexican peso decliend against us dollar during so called tequila crisis what exacerbating facot did the mexico
Both countries had large dollar-denominated debts exacerbating factor did Mexico's Tequila Crisis have in common with the Argentine crisis of 2002.
What are 3 effects of the Mexican Revolution?The 1917 Constitution, which was inspired by the Mexican Revolution, established the separation of church and state, government ownership of the subsurface, communal organizations' ownership of land, the right of workers to organize and strike, among many other goals.
Currency value declines. Government yields decline, discouraging foreign investment and lowering demand for that nation's currency.
Its main repercussions included widespread populace engagement in opposing factions, opposition from peasants, workers, Indians, and mestizos, a horrific civil war that lasted ten years, and some reform and stability with the Constitution of 1917 at the very end.
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Complete Question:
In 1994, the Mexican peso declined against the US dollar by 37% during the so-called Tequila Crisis. What exacerbating factor did Mexico's Tequila Crisis have in common with the Argentine crisis of 2002?
an externally focused process of analyzing costs in terms of the overall supply chain is called strategic cost management. T/F
True, strategic cost management refers to an externally focused process of analyzing costs in terms of the overall supply chain.
A supply chain is a network that connects all of the people, organizations, resources, activities, and technology involved in the manufacture and sale of a product. A supply chain includes everything from the delivery of raw materials from a supplier to a manufacturer to the final delivery to the end user.
The steps may include sourcing raw materials, transporting them to production, and then transporting the finished products to a distribution center or retail store for delivery to the consumer.
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Would you categorize the marketing area in which frank davis is the marketing director and thomas green is one of the senior market specialists more as a work group or a team?.
Work Group's marketing division, of which William Davis is the brand manager, is described in the statement.
What is marketing, and what does it do?Marketing refers to the activities a company carries out to promote the acquisition or selling of products or service. Marketing includes all of the following: advertising, providing, and delivering items to clients or other businesses. Affiliates occasionally advertise on behalf of a company.
What is an effective marketing example?The purpose of marketing is to draw potential consumers or clientele to your goods and services. Process is the definition's main idea. Marketing includes promoting, selling, and learning about your goods and services.
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a company is considering an iron ore extraction project that requires an initial investment of $1,200,000 and will yield annual cash inflows of $534,283 for three years. the company's discount rate is 9%. calculate irr
Answer:
b. 15%
Explanation:
IRR is the discount rate that equates the after tax cash flows from an investment to the amount invested.
IRR can be calculated using a financial calculator:
Cash flow in year 0 = -$1,200,000
Cash flow each year for 3 years = $534,283
IRR = 15%
To find the IRR using a financial calculator:
1. Input the cash flow values by pressing the CF button. After inputting the value, press enter and the arrow facing a downward direction.
2. After inputting all the cash flows, press the IRR button and then press the compute button.
What is IRR?
In financial analysis, the internal rate of return (IRR) is a statistic used to calculate the profitability of possible investments. IRR is a discount rate that, in a discounted cash flow analysis, reduces all cash flows' net present values (NPV) to zero.
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In the context of the furnishings, which of the following product categories is an example of a superordinate category?a. Dining tableb Furniturec. Chaird. Sofa
In the context of the furnishings, Furniture product categories is an example of a superordinate category.
A superordinate level category is one that is at the top of a folk taxonomy and has a low degree of class inclusion but a high degree of generality. They include fundamental level categories.
Superordinate categories are less good than basic level categories because within-category resemblance is relatively low.Superordinate categories have fewer distinguishing characteristics than basic level categories.Immediate superordinates of basic level categories frequently have a single-attribute relationship to a higher superordinate category. From a linguistic standpoint, lexical superordinates are frequently mass nouns, whereas basic level terms are count nouns.Learn more about superordinate level category to visit this link
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4 your company has assigned you with the task of investigating the various trade blocs in africa to see if your company can benefit from these trade agreements while expanding into african markets. the first trade bloc you come across is comesa. prepare a short executive summary for your company, explaining the level of integration the bloc has currently achieved, the level it aspires to accomplish, and the relationships it has with other african trade blocs.
One of the most well-known trading organizations in Africa today is COMESA. The Common Market for Eastern and Southern Africa is known as COMESA.
It is a free trade area established by more than 20 participating African nations. Given that it extends from Libya all the way down to Zimbabwe, it spans a vast geographic area. Rwanda, Madagascar, Eritrea, Mauritius, Kenya, Uganda, Ethiopia, South Sudan, the Democratic Republic of the Congo, Seychelles, Zambia, Zimbabwe, Egypt, Comoros, Swaziland, Rwanda, and Malawi are among the nations that make up COMESA (Insights, 2016).
It was established to take the place of the previous trading bloc, known at the time as the Preferential Trade Area, which up to that point had not been successful in achieving the goals that the member nations had in mind when it was established. A pact that was signed on November 5, 1993, in Kampala, Uganda, created COMESA.
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based on information from a large insurance company, 67% of all damage liability claims are made by single people under the age of 25. a random sample of 53 claims showed that 42 were made by single people under the age of 25. does this indicate that the insurance claims of single people under the age of 25 is higher than the national percent reported by the large insurance company? give the test statistic and your conclusion.
Primarily based on information from a large insurance employer.
67% of all damage liability claims are made by using people under the age of 25.
Insurance of unmarried people under the age of 25 is higher than the countrywide percentage mentioned by using the insurance employer.
Coverage businesses are economic intermediaries which offer direct coverage or reinsurance services, imparting financial protection from possible hazards in the destiny.
Economics is the observe of shortage and its implications for the use of sources, manufacturing of products and services, increase of manufacturing and welfare through the years, and a super form of different complicated problems of critical difficulty to society.
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