The goal of commercial loan assistance in a normal commercial bank is to give the borrowing company enough capital to operate.
What distinguishes a commercial loan from a company loan?
Although theoretically speaking the word "commercial loan" can refer to any loan given to a firm, lenders sometimes use this term to refer to larger loans given to small and large companies. Loans for small businesses are frequently for smaller sums.
Is obtaining a commercial loan simpler?
These loans are typically provided by private businesses and frequently require larger down payments. Compared to a conventional mortgage, the loan is quicker to obtain and easier to qualify for.
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a ceo determines that the company needs to eliminate a labor surplus to avoid financial difficulties. to deal with this problem, the ceo chooses a strategy that gives fast results. however, the amount of suffering caused to employees is high. the ceo is most likely using the strategy to reduce the labor surplus.
Most likely, the CEO is employing this tactic to cut down on the labor surplus is downsizing.
An organization can reduce its workforce forever by removing unproductive employees or divisions. Downsizing is a common organisational strategy that is commonly connected to economic downturns and unsuccessful businesses. Organizational downsizing refers to the planned decrease of a business's employment with the aim of reducing labour expenses, increasing profitability, and, in the case of a major economic shock (such as a recession), keeping the business from failing.
Workforce reduction, job redesign, and systemic approach are the three most used downsizing strategies. Because you will have less responsibility, a lighter task, more money, and more freedom as a result of downsizing, you will feel less stressed.
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three of the primary advantages of cable tv as an advertising medium are its group of answer choices rates, availability, and unduplicated audiences. quality, selectivity, and reach. reach, fragmentation, and quality. selectivity, low cost, and creativity. reach, clutter, and selectivity.
The main advantages of cable TV as an advertising medium are selectivity, low cost, flexibility, reach, fragmentation and quality.
What is Cable TV and Why is TV called cable?Cable television is a system that delivers television programming to consumers via radio frequency (RF) signals transmitted over coaxial cables, and more recent systems transmit pulsed light over fiber optic cables.Like television, cable gets its name from the way it is transmitted over coaxial or fiber optic cables. The cheapest cable TV services are offered by Spectrum and Xfinity. These companies' TV services are ubiquitous, with both providers offering many channels for under $50 a month.Who has the Best Cable TV Package?Xfinity TV: Best Cable TV Providers of 2022. Spectrum TV: Best option without contract.Verizon Fios TV: Best channel lineup.optimum tv: Great for familiesCox TV: Perfect for customization.To learn more about cable companies visit:
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michelle wants to know how she can improve her business listing so it reaches the most people online. what can she do to get the information she needs?
In a situation wherein Michelle wants to know how she can improve her business listing to increase its online reach, she can take the help of a platform aggregator to help her the most with an increase in her sales.
An online business can be referred to or considered as a business organization, which performs the regular activities of buying and selling with the help of internet through the use of computer and computer networks. There are a number of platform, (ex Amazon) that provide a platform for the online businesses to maximize their reach among public.
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question content area a current liability is a debt that is reasonably expected to be paid a.between 6 months and 18 months b.within 1 year c.out of currently recognized revenues d.out of cash currently on hand
A current liability is a debt that is reasonably expected to be paid within 1 year. The Option B is correct.
What is current liability?In accounting, a current liability refers to a debt that a company must pay back in full within 12 months. A business does records its current liabilities on its balance sheet before long-term liabilities.
A current liabilities usually appear first because long-term liabilities are due in more than 12 months. Common current liabilities includes short-term accounts payable, accrued payroll payments, short-term debts, dividends payable, accrued taxes etc.
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thom draws a check, on his account in state bank in new york, payable to digital computers, inc., in san francisco. digital deposits the check in its account at first national bank. first national deposits the check in the federal reserve bank of san francisco, which transfers it to the federal reserve bank of new york. that federal reserve bank sends the check to state bank. refer to fact pattern 27-2b. when digital's bank received the check, it was required to pass it on
The depository banks, according to the declaration, is First Financial Institution, the bank of Digital Media Inc.
An account with examples are what?An account in accounting is a general ledger entry use to categorize and record transactions. For instance, businesses will be given a Cash flow where they may record each transaction that raises or decreases the amount of cash they have on hand.
What are the many sorts of accounts?Real, personal, and nominal accounts are three distinct kinds of accounts used in accounting. Two two types of real account are then determined: tangible real account and intangible real accounting. Personal accounts also come in three major subtypes: Natural, Representative, & Artificial.
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what are hendricks's tax consequences on the grant date, the exercise date, and the date mark sells the shares?
The sale date since the options are ISOs or the date Mark sells the shares if the marginal tax rate is 21%.
What is fair value as of grant date?The term "Grant Date Fair Market Value" refers to the mean of the high and low values of publicly traded Shares on the national exchange where the Shares are listed on the day the Restricted Units are granted.
When do the grant and exercise dates occur?Date of exercise: When stock options are used to buy stock at the grant price. see "Grant Price" for the exercise price. The grantee receives stock options on the grant date. Grant price: The cost to the employer of shares acquired by an employee through the exercise of options.
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in a purchase commitment, if market price at acquisition is less than the contract price, the purchase is recorded at what price
Most commitments to make purchases must be reported as liabilities. 10. If a non-cancelable purchase commitment's market price is higher than the going rate.
What is the targeted market value when utilizing lower-of-cost-or-market?When Lower-of-Cost-or-Market is used, the targeted market value equals the average of the replacement cost, net realizable value, and net realizable value less a typical profit margin.
Which circumstance necessitates substituting the lowest of cost or market basis for cost basis when valuing inventory?A business must record the cost of inventory at whichever cost is lower—the original cost or its current market price—according to the lower of cost or market rule. This problem typically occurs when inventory deteriorates, becomes outdated, or when market prices fall.
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listen to exam instructions your company is preparing to enter into a partner relationship with another organization. it will be necessary for the information systems used by each organization to connect and integrate with each other. which of the following is of primary importance as you take steps to enter into this partner relationship?
Ensure that the integration process maintains the security of each organization's network.
Multisensory integration, also referred to as multimodal integration, is the study of the way information from the unique sensory modalities (along with sight, sound, touch, odor, self-movement, and flavor) may be included by using the fearful machine.[1] A coherent representation of gadgets combining modalities permits animals to have meaningful perceptual reports. indeed, multisensory integration is critical to adaptive behavior because it allows animals to understand an international of coherent perceptual entities.
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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: it is an example of horizontal integration.
Acquisition of a company that produces or provides comparable goods or services and operates at the same level of the value chain as the target company is known as horizontal integration. As opposed to vertical integration, which involves businesses expanding into activities upstream or downstream that are at various stages of production, Horizontal integration is a business technique that can help companies grow their market or enter new markets, strengthen market power over distributors and suppliers, improve product differentiation, and provide economies of scale.
Two companies may be able to generate more income through a merger than they could have done separately.
Although customers frequently lose out when horizontal mergers are successful, especially if they lessen competition.
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lena lives in a rural area but near the suburbs. she buys produce, eggs, and honey from her neighbors and on most weekends she runs a very popular stand at a busy farmer’s market. in terms of the marketing channel, lena’s farmer’s market booth would be considered the
Lena’s farmer’s market booth would be considered the Retailer because retailers frequently buy products from manufacturers, wholesalers, or other merchants and then sell them to the general public.
Who is a retailer, exactly?A retailer is a person or establishment where you buy products. Typically, retailers don't produce their own goods. They buy products from a producer or a wholesaler and then sell them in tiny quantities to customers.
Which four sorts of retailers are there?Department stores, supermarkets, specialty stores, and online retailers make up the four main categories of retailer formats. Department stores are substantial shops that offer a broad selection of goods. Typically, department stores contain multiple departments, each of which sells a distinct category of goods.
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a broker who has been at a firm for two years is preparing to leave her current real estate firm and join another. the broker is filling a box with transaction files that contain information about the listings she has sold and about the buyers to whom she has sold homes, intending to take this box home for storage. what is the best response by the managing broker?
Two years of current experience, completion of 24 hours of brokerage administration, and passing the state section of the broker test.
How long a broker must preserve all records once a transaction or posting has been completed if the deal doesn't finalize in four years 3 years 5 years 6 years?All listings, deposit receipts, canceled checks, trust account records, and other documents that the broker executed or obtained in connection with any transaction for which a license is required must be kept on file by a licensed broker for a period of three years.
When a broker is let go from the allocated broker firm, within how many days must the broker seek for reassignment or to be unassigned?Within five business days after the termination, a broker must submit a reassignment application to the Commission in order to end their relationship with the broker company to which they have been allocated.
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You make $443 per week, and have claimed five exemptions. How much money will be withheld from you in a year? a. $2,392 b. $2,288 c. $2,756 d. $2,858 please select the best answer from the choices provided a b c d.
If you make $443 per week, and have claimed five exemptions then the money withheld from you in a year would be 2392$.
Describe an exemption example.Special authorization to do nothing or pay nothing: Candidates with degrees in chemistry are excused from taking this course. If a company only conducts charitable activities, it might be eligible for income tax exemption. Her husband's request for exemption from military service was being supported by a friendly doctor.
Is it preferable to request exemptions or not?You won't pay any less in taxes if you file for exemption from withholding. When you submit your taxes the next year, you must pay the whole tax amount if you have unpaid debt yet declared yourself exempt. Additionally, if you don't withhold, the IRS may impose additional fines.
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Answer:
a
Explanation:
movie moon has a target capital structure of 55 percent common stock and 45 percent debt. its cost of equity is 14 percent and the pre-tax cost of debt is 8 percent. what is the firm's wacc given a tax rate of 21 percent?
The firm's wacc given a tax rate of 21 percent is 10.5%.
Movie moon has a target capital structure of 55 percent common stock and 45 percent debt. its cost of equity is 14 percent and the pre-tax cost of debt is 8 percent. what is the firm's wacc given a tax rate of 21 percent?
11.3% 10.5% 14% 8%WACC = Wd * Kd * (1-Tax rate) + We * Ke
= 0.45 * 0.08 * (1-0.21) + 0.55 * 0.14
= 0.10544
= 10.5%
Option 2. is Correct
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The difference between the maximum price consumers are willing and able to pay for a good or a service and the price they actually pay is the consumer.
Customer surplus, also known as the market price or the price consumers actually pay for a good, is the discrepancy between the highest price a consumer is prepared to pay and the amount they really do pay.
Is the gap between the highest price that customers will spend and the lower equilibrium price?Consumer surplus A. is the difference between the higher equilibrium price and the highest price consumers are willing to pay for a good.
Is defined as the difference between the asking price for a product and the highest price the consumer is willing to pay.The difference between the highest price a consumer would be willing to pay for a product and the lower amount they actually paid is known as the consumer surplus. A producer's surplus is the difference between the lowest price they will accept for a good and the higher price they actually get.
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the rate of return that is used to find the present value of a future cash flow is called the .
The rate of return that is used to find the present value of a future cash flow is called the Discount Rate.
What do you know about Discount Rate?
The interest rate used in discounted cash flow (DCF) analysis to determine the present value of future cash flows is referred to as the discount rate.
What exactly is a discount rate and how is it calculated?
Step 1 → First, the present value is divided by the value of a future cash flow (FV) (PV) Step 2 The previous step's result is then multiplied by the reciprocal of the number of years (n) Step 3 Finally, the discount rate is calculated by subtracting one from the value.
So, The required answer is Discount Rate.
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settling a claim by the debtor offering to pay less than the creditor claims to be owed is an example of a. promissory estoppel. b. a release. c. an accord and satisfaction. d. fraudulent misrepresentation
The process of settling a claim by the hands of the debtor offering to pay lesser than the actual amount claimed by the creditor can be regarded as an example of a release. Therefore, the option B holds true.
A release can be referred to or considered as a legal contract in written form, which consists of agreement between at least two parties involved in the contract to come to a settlement of lesser than what was the amount of adequate consideration. No legal claim can be made after a release contract has been exercised by both the parties involved in the transaction.
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countries has most strongly experienced higher food productivity as a result of the green revolution?
Despite growing land constraint, the developing world has experienced an amazing expansion in food crop yield during the past 50 years.
Which nations reaped the rewards of the Green Revolution?The Green Revolution also benefited Afghanistan, Sri Lanka, China, Indonesia, Iran, Kenya, Malaya, Morocco, Thailand, Tunisia, and Turkey in addition to Mexico, Pakistan, India, and the Philippines.
Has food production increased since the Green Revolution?The introduction of new, high-yielding cultivars into developing countries, which started in the middle of the 20th century with Borlaug's work, had a significant role in the Green Revolution's increased production of food grains (particularly wheat and rice).
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Benefits of managing diversity and inclusion effectively includes all except?a. The federal government provides tax breaks.b. Customer service is more effective.c. These businesses are better able to attract and retain workers from a variety of backgrounds.d. Businesses with a diverse workforce boost innovation for the firm.
All but one benefit of efficiently managing diversity and inclusion is that the federal government offers tax advantages.
Why is diversity management necessary?By minimizing prejudice and fostering inclusiveness, managing diversity improves excellent management practices. Managing diversity entails accepting people's differences and seeing them as valued. You might not be able to collaborate successfully with a varied workforce on the basis of good management alone.
a) A wide range of viewpoints
b) Enhanced invention
c) Enhanced creativity
d) Enhanced problem-solving
e) Enhanced decision-making
f) Enhanced Profits
g) More engaged employees
h) Decreased staff turnover
i) Improved brand reputation
j) Better hiring outcomes
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what are the main differences between petrol and diesel engines in terms of emissions and engine management control strategy?
The major difference between these two is how energy is created. Before the fuel is introduced in diesel engines, the air is compressed. Gas and air are combined, compressed, and ignited in petrol engines. Of course, the type of fuel utilized is another variation.
What is the difference in auto exhaust emissions from a petrol Fueled engine and a diesel Fueled engine?
Compared to petrol engines, diesel engines produce less CO2 and other greenhouse pollutants. This occurs as a result of the specific fuel and the diesel engine's internal efficiency. More particular, diesel engines perform better than petrol engines because the fuel they utilize has a higher compression ratio.
The thermal efficiency of diesel engines, or the amount of work that can be anticipated to be produced by the fuel put into the engine, is one of the most significant distinctions between gas and diesel engines. A diesel engine has a thermal efficiency advantage over a gas engine of roughly 20%.
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when chattels are bought on credit and then affixed to mortgaged land, the chattel lienholder should record:
When chattels are bought on credit and then affixed to mortgaged land, the chattel lienholder should record: the chattel lienholder should record a chattel mortgage
What is meant by buying on credit?Today, a meaning of credit that is frequently used still relates to an agreement to buy something with the explicit promise to pay for it later. This is referred to as credit purchase. Credit cards are currently the most popular way to make purchases on credit.
You may be able to buy purchases with credit that you are not immediately able to afford. This is beneficial for smaller purchases like televisions, refrigerators, or couches as well as for larger ones like a home or a vehicle.
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a life estate is: select one: a. freehold estate b. leasehold estate c. fee simple estate d. feudal estate
A life estate is c. fee simple.
A life estate is created by means of a deed that offers the land to the person for life and identifies what ought to show up to it after that character dies. for instance, a deed pointing out that land might pass "to John Doe for life, then to Jane Doe gives John a legitimate lifestyle estate, and Jane the rest.
In not unusual law and statutory regulation, an existing estate is the possession of immovable belongings in the course of someone's life. In criminal terms, it is a property in actual belongings that ends at death while ownership of the property might also revert to the unique proprietor, or it could pass to any other person.
A lifestyle property is proper to stay within the assets till your demise. when you skip away, the real assets pass for your beneficiaries distinctive within the lady chicken deed, known as the remaindermen. The woman hen deed works in addition to a pay-on-death provision on a financial institution account.
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ravi works for a small company. the company owner makes all strategic decisions and manages the day-to-day operations. ravi's company has a
In a scenario where Ravi works for a small business where the owner oversees daily operations and makes all strategic decisions,
Which organizational model divides workers into groups according to their specialties, such sales and human resources, using domain expertise?Based on their areas of competence, this organization divides the workforce into functional sectors. These functional domains, such operations, research and development, and marketing and sales, frequently correspond to steps in the value chain.
how the culture of an organization affects how employees behave?When a culture is strong, it encourages employees to act in ways that uphold the firm's values and culture, whether those ways are positive or negative. Through both formal and informal organizational structures and procedures, strong ethical cultures are recognized to affect employees' commitment to and behavior in an ethical manner.
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A ________ is a network of activities, repositories, roles, resources, and flows that interact to accomplish a business function.
A business process is a network of activities, repositories, roles, resources, and data flows that interact to accomplish a business function.
What does a business consist of?A business is an organization or enterprising body that engages in commercial, industrial, or professional activities. Businesses can be nonprofit organizations or for-profit enterprises. Among the various business structures are partnerships, corporations, limited liability companies, and sole proprietorships.
Why is business so important?Business has a huge impact on our lives. They begin by creating goods and services to satisfy our needs and wants. Following that, they hire homes as employees and provide them earnings, salaries, and perks. Consequently, it turns into a source of income for them that they can use to support their way of life.
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select the most accurate statement about using animation and color to get the most positive response from your audience.
Bold colors such as blue, green, and purple are best to highlight primary ideas are select the most accurate statement about using animation and color to get the most positive response from your audience.
What exactly does animation mean?It is possible to make stationary images appear to be moving with the use of animation. Images are manually painted or sketched on clear celluloid sheets for conventional animation, which is then captured and shown on film. The majority of modern animations are produced using computer-generated images (CGI). The usage of 2D computer animation, which resembles conventional animation in appearance and can be employed for artistic purposes, low bandwidth, or quicker real-time renderings, contrasts with the use of highly detailed 3D animation in computer animation. Other popular animation techniques use clay figures, paper cutouts, puppets, or other two- and three-dimensional things to create an animation.
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there are only 2 risky assets in the market. stock a with 100 shares outstanding and the price per share of $120, and stock b with 150 shares outstanding and the price per share of $80. according to the capm, if an investor invests $1000 in the optimal risky portfolio, how much does she invest in each of the 2 risky assets?
If the values of stock a and stock b is given as below, the investment in both the risky assets be as below:
stock a with 100 shares outstanding and a price per share of $120stock b with 150 shares outstanding and a price per share of $80So, if an investor invests $1000 in the optimal risky portfolio one should invest the following amount in each of the 2 risky assets=
100*120 which is $12000 should be the total value of the stock a
80*150 which is $12000 should be the total value of the stock b
Now, since both are of equal value the investor can invest half in each stock which $500 in both stock a and stock b.
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an account executive is assembling a client's campaign using ads aimed to reach both mobile and desktop devices. what technology are they using with the ads they are working with
The technology they are likely using is programmatic advertising, which is a form of automated advertising that allows advertisers to target specific audiences across multiple devices.
What is Programmatic Advertising?
Programmatic advertising is a type of online advertising that buys advertising space and time in real-time auctions using automated systems. The technology automates the digital advertising buying process, allowing marketers and advertisers to target specific audiences more efficiently and effectively than with traditional methods. Display ads, video ads, mobile ads, and other digital formats can all be purchased through programmatic advertising platforms.
What is Digital Advertising?
Digital advertising is a type of advertising in which promotional marketing messages are delivered to potential customers via digital technologies. Online display ads, search engine marketing, email marketing, social media marketing, and other digital mediums are examples of this. Digital advertising is used to reach out to specific audiences, raise brand awareness, and boost sales.
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now that you've conducted marketing research, you want to determine the target market for the new service. how would you best describe the demographic variables for this target market?
Demographic segmentation is the process of dividing your target market based on characteristics like income, education, race, gender, or employment.
In order to establish a demographic profile, marketers frequently blend many data. By giving detailed information on a typical member of a certain group of people, this profile enables marketing analysts and demographics specialists to create a portrait of the typical consumer in that particular market segment. For instance, marketing experts might decide to target a middle-aged single male with a high school diploma.
Why do marketers target certain audiences? To be able to identify which parts or subgroups of the population appear to exist is the main objective. The second is to be able to paint a precise picture of the qualities and traits of a typical member of one of those marketing segments.
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Demographic segmentation is the process of dividing your target market based on characteristics like income, education, race, gender, or employment.
In order to establish a demographic profile, marketers frequently blend many data. By giving detailed information on a typical member of a certain group of people, this profile enables marketing analysts and demographics specialists to create a portrait of the typical consumer in that particular market segment. For instance, marketing experts might decide to target a middle-aged single male with a high school diploma.
Why do marketers target certain audiences? To be able to identify which parts or subgroups of the population appear to exist is the main objective. The second is to be able to paint a precise picture of the qualities and traits of a typical member of one of those marketing segments.
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Marketing and operations prefer high inventory levels, whereas finance would prefer small inventories.
a. True
True - Marketing and operations prefer high inventory levels, whereas finance would prefer small inventories.
stock (American English) or stock (British English) refers to the products and materials that a commercial enterprise holds for the ultimate aim of resale, manufacturing or utilization. inventory management is a subject mainly approximately specifying the form and placement of stocked goods. it's far required at exclusive locations within a facility or within many locations of a supply community to precede the regular and deliberate path of manufacturing and inventory of substances.
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tom wants to buy a dishwasher. he consults his friends and looks online for good offers and sales. in the context of the activities included in the consumer decision-making process, tom is engaged in .
Before Tom buy a dishwasher, he consults his friends and looks for good offers and sales online. Tom is engage in information research activity in the consumer decision making process.
Consumer Decision Making Process consists of step of activites a consumer to evaluate making his buying decision. Consumer Decison Making Process includes 5 steps, such:
Problem recognitionInformation searchAlternative evaluationPurchase decisionPost-purchase evaluationA consumer will need to recognize a need or problem before deciding to purchase a product. A consumer needs to recognize what he want to be able to decide the direction of his next step in decision making process.
A consumer then seach for informations about the products which can satisfy his needs. The products related information might be gathered from recommendations or promotional informations.
After gathering enough information, a consumer might have some alternatives of products that potentially able to satisfy his needs. A consumer then will evaluate each possible alternative based on developed criteria he made. The developed criteria of a consumer will be subjective to him only and may differ from other person.
After evaluate and eliminating unwanted alternatives, a consumer comes up with one particular product he surely wants to buy. At this moment, a consumer is purchasing the product. A consumer believes that the product he chose to buy is the best option he has to satisfy his need.
After a consumer bought a product, he will evaluate the post-purchase product wheter the product was usefull and satisfy his needs or not. A consumer will evaluate wheter the product meets his expectation or not.
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the wto is the only global international organization dealing with the rules of trade between nations the wto is the only global international organization dealing with the rules of trade between nations true false
The World Trade Organization (WTO) is the only worldwide organisation dealing with the international rules of trade. Its predominant function is to make certain that change flows as smoothly, predictably and freely as possible.
What does WTO regulate?The WTO agreements are lengthy and complicated due to the fact they are prison texts overlaying a large range of activities. They deal with: agriculture, textiles and clothing, banking, telecommunications, authorities purchases, industrial requirements and product safety, food sanitation regulations, mental property, and a good deal more.
The predominant functions of the WTO are: Administering WTO exchange agreements. Providing forum for change negotiations
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