A mortgage of $80,000 with 2 points means the borrower would have to pay at closing $800 is false because the real pay at closing is $1,600.
What is mortgage?A mortgage is a loan that is used to buy or to maintain a land, home, or other sort of real estate.
The borrower checks to refund the lender over a period of time, usually in an ordination of regular installments divided into principal and interest. The property is used as security for the loan.
According to the given information,
Mortgage Amount = $80,000
Points = 2
Let the 2 points is taken as a percentage:
Point 1 = 1%, and
Point 2 = 2%
Now, as we know that in the loan process, the amount of point is cyphered at the closing. Then, the closing cost is commuted as:
\(\text{Closing Cost Amount} =\text{Mortgage} \times \text{Points}\\\\\text{Closing Cost Amount} =$80,000 \times 2\%\\\\\text{Closing Cost Amount} =\$1,600\)
Therefore, the given problem is false, that the borrower have to pay $800, he would have to pay only $1,600.
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In the following equation, gdp refers to gross domestic product, and FDI refers to foreign direct investment.
log(gdp) = 2.65 + 0.527log(bankcredit) + 0.222FDI
(0.13) (0.022) (0.017)
Which of the following statements is then true?
a. If gdp increases by 1%, bank credit increases by 0.527%, the level of FDI remaining constant.
b. If bank credit increases by 1%, gdp increases by 0.527%, the level of FDI remaining constant.
c. If bank credit increases by 1%, gdp increases by log(0.527)%, the level of FDI remaining constant.
d. If gdp increases by 1%, bank credit increases by log(0.527)%, the level of FDI remaining constant.
The correct statement is; If bank credit increases by 1%, GDP (gross domestic product) increases by 0.527%, with the level of FDI remaining constant. Option B is correct.
Based on the given equation;
log(gdp) = 2.65 + 0.527log(bankcredit) + 0.222FDI
We can determine the relationships between GDP, bank credit, and FDI by analyzing the coefficients in the equation.
Statement (a) states, if GDP will increases 1%, bank credit increases by 0.527%, with the level of FDI remaining constant.
To evaluate this statement, we examine the equation. The coefficient 0.527 is associated with log(bank credit), not GDP. Therefore, we cannot directly infer the relationship between GDP and bank credit from this equation. Statement (a) is not true based on the given equation.
Statement (b) states if bank credit increases by 1%, GDP increases by 0.527%, with a level of FDI remaining constant.
From the equation, we can see that the coefficient 0.527 is associated with log (bank credit). Therefore, statement (b) is correct based on the given equation.
Statements (c) and (d) involve taking the logarithm of the coefficient 0.527. This does not align with the equation provided, as the logarithm is not applied to the coefficient itself. Therefore, statements (c) and (d) are not true based on the given equation.
Hence, B is the correct option.
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Direct channels of distribution include _____________ as members.
A. manufacturers, retailers, and customers
B. manufacturers and retailers
C. manufacturers and wholesalers
D. manufacturers and customers
HELP ME PLEASE!!!!!
Direct channels of distribution manufacturers and customers include as members.
What are direct channels?A direct channel of distribution defines a condition in which the producer sells a product to a consumer directly without any of the intermediaries.
This is a channel through which products move directly from the manufacturer or vendor to the end user, usually by a professionally trained field sales force.
Thus, option D is true, as the Direct channels of distribution includes manufacturers and customers as members.
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Your class makes a proposal to sell hot dogs, hamburgers, and other refreshments at sporting events. The local School Board agrees. A representative from the School Board Office arrives and provides the class with a list of foods to purchase for the refreshment stand, as well as the amount of food to purchase and the prices that your class must charge. Your class must also agree to buy all of
the food and supplies from a company that has other contracts with the school.
What type of economic system does this scenario suggest, and why?
Answer:
I help u after my online class:))))
Explanation:
I help u after my online class wait my answer
In the context of economic interdependence, identify a true statement about globalization. a. Companies may decide to expand globally as a strategy to reduce costs by finding cheaper labor in developing countries. b.France, Germany, and Switzerland top the list for hosting the most multinational enterprises. c. Most multinational enterprises have ensured that their foreign factories adhere to high human resource standards. d. Countries such as Cuba and Zimbabwe offer continuity and consistency for global firms because of the countries' stable legal and political systems.
A true statement about globalization in the context of economic interdependence is that companies may decide to expand globally to reduce costs by finding cheaper labor in developing countries.
Globalization refers to the increasing interconnectedness and integration of economies and societies worldwide. It involves the flow of goods, services, capital, and information across borders, leading to economic interdependence among nations. In this context, the true statement about globalization is: a. Companies may decide to expand globally as a strategy to reduce costs by finding cheaper labor in developing countries: This statement is accurate. Globalization has facilitated the mobility of production and allowed companies to establish operations in countries with lower labor costs.
b. France, Germany, and Switzerland topping the list for hosting the most multinational enterprises (MNEs) is not a universally true statement. The distribution of MNEs varies across countries and regions, and it is not limited to these three specific countries (statement b). c. The assertion that most multinational enterprises have ensured that their foreign factories adhere to high human resource standards is a generalization and may not hold true for all MNEs (statement c). d. The statement that countries like Cuba and Zimbabwe offer continuity and consistency for global firms due to their stable legal and political systems is not accurate.
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How do corporations develop strategic plans for single or multidivisional structures? What are some advantages and problems in implementing a multidivisional structure?
To develop a strategic plan for a multidivisional structure, companies should follow the following: By following these, the company will grow more and more while reducing the problems of order and management.
Improved Strategic Control: By enabling business managers to focus on developing corporate strategy.
Beneficial long-term growth: by minimizing communication problems and information overload
Pursuit of internal efficiency: unproductive use of functional resources due to the resignation of department heads.
The advantages of the multidivisional structure are:
Improved organizational financial management: Each separate department is treated as a separate financial entity and financial management is used to set performance targets and measure profitability.
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once an improper payment is identified, the rac would contact the provider and notify them of an overpayment that they received. they would look to collect that amount from the provider, or an underpayment that the provider received from cms and pay that amount to the provider. this process is called:
Once an improper payment is identified, the rac would contact the provider and notify them of an overpayment that they received. they would look to collect that amount from the provider, or an underpayment that the provider received from cms and pay that amount to the provider. this process is called: automated review.
What is am improper payment?
Despite efforts to identify and address their underlying causes, improper payments—payments that should not have been made or that were paid in the wrong amount—have constantly been a problem for the entire government.
A payment that should not have been made or that was made in the wrong amount is referred to as an inappropriate payment. That covers overpayments, underpayments, or even payments made in the proper amount to the proper recipient but not strictly in accordance with the applicable law or regulation.
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What impact will higher wages have on the labor force participation of women? 
Young black women with college degrees had the highest lifetime incomes but lower labor force participation rates.
In comparison to men, women have fewer opportunities to make money globally. Women are less likely to actively search for work or do paid labor. Compared to 80% of men, only slightly more than 50% of women in the world work. People's labor force involvement varies depending on demographic parameters such sex, birth year, education, marital status, and the presence of young children at home. Low female labor force participation in India is a complex socioeconomic phenomenon caused by factors like rural-urban migration, patriarchal attitudes, and an imbalance in supply and demand. Wages Increase for Men and Women When More Women Work. based on data from 250 U.S. cities over 30 years. The greatest major economic shift during the previous century was probably the rise of women in the paid employment.
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Jean’s Vegetable Market had the following transactions during 2014: 1. Issued $50,000 of par value common stock for cash. 2. Repaid a 6 year note payable in the amount of $22,000. 3. Acquired land by issuing common stock of par value $50,000. 4. Declared and paid a cash dividend of $7,000. 5. Sold a long-term investment (cost $3,000) for cash of $6,000. 6. Acquired an investment in IBM stock for cash of $10,000. What is the net cash provided by financing activities? Group of answer choices $21,000 $67,000 $0 $28,000
Answer:
$21,000
Explanation:
The computation of the cash provided by financing activities is shown below
Cash flows from financing activities
Issue proceeds of common stock $50,000
Less Repayment of 6 year note payable -$22,000
Less: Payment of cash dividend -$7,000
Net Cash provided by financing activities $21,000
The same is considered and relevant
Assume that, as of today, the annualized interest rate on three-year security is 4%, while the annualized interest rate on one-year security is 2 percent and the one-year forward rate one year from now is 3 percent. How many percent is the one-year forward rate two years from now? Round your answer to two decimal places.
The one-year forward rate two years from now would be approximately 1.01, or 101% (rounded to two decimal places).
To determine the one-year forward rate two years from now, we can use the concept of interest rate parity. Interest rate parity states that the difference in interest rates between two currencies should equal the expected change in the exchange rate between those currencies.
In this case, we have the annualized interest rates on the three-year security and the one-year security, as well as the one-year forward rate one year from now. We can use these rates to calculate the one-year forward rate two years from now.
Let's assume that the current exchange rate is 1:1 (for simplicity). Based on interest rate parity, the expected change in the exchange rate over one year should equal the difference in interest rates between the two securities.
The interest rate differential between the three-year security and the one-year security is 4% - 2% = 2%. Therefore, we would expect the exchange rate to change by 2% over the next year.
Now, let's consider the one-year forward rate one year from now. This forward rate represents the expected exchange rate one year from now. Since the current exchange rate is 1:1, we can calculate the forward rate as (1 + interest rate on one-year security) / (1 + interest rate on three-year security).
Forward rate one year from now = (1 + 0.02) / (1 + 0.04) = 1.02 / 1.04 = 0.9808
This means that one year from now, we would expect the exchange rate to be approximately 0.9808.
Finally, to calculate the one-year forward rate two years from now, we can use the same concept of interest rate parity. The expected change in the exchange rate over the next year should equal the difference in interest rates between the one-year security and the one-year forward rate one year from now.
Expected change in exchange rate = interest rate on one-year forward rate one year from now - interest rate on one-year security
= 0.03 - 0.02
= 0.01
Note: The assumption of a 1:1 exchange rate and the use of interest rate parity are simplifications for illustration purposes. In practice, currency exchange rates and interest rates are influenced by various factors and may not follow a direct relationship as assumed here.
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Allen Air Lines must liquidate some equipment that is being replaced. The equipment originally cost $7.5 million, of which 65% has been depreciated. The used equipment can be sold today for $3 million, and its tax rate is 25%. What is the equipment's after-tax net salvage value? Enter your answer in dollars. For example, an answer of $1.2 million should be entered as 1,200,000
Answer:
$2.9 million
Explanation:
Book value as on date of sale = Cost - Accumulated Depreciation = $7.5 million*(1 - 0.65) = $7.5 million*0.35 = $2,625,000
Gain on sale = $3,000,000 - $2,625,000 = $375,000
After-tax salvage value = Sale proceeds - Tax rate*Gain on sale) = $3,000,000 - ($375,000*0.25) = $3,000,000 - $93,750 = $2,906,250 = $2.9 million
transduction occurs for the visual system in the and for the auditory system in the .
In the visual system, transduction takes place in the retina, which is the light-sensitive layer located at the back of the eye.
The retina contains specialized cells called photoreceptors, specifically rods and cones. When light enters the eye and reaches the retina, the photoreceptor cells convert the light energy into electrical signals through a process called transduction. These electrical signals are then transmitted to the brain through the optic nerve, allowing us to perceive and interpret visual stimuli.
In the auditory system, transduction occurs in the cochlea, which is a spiral-shaped, fluid-filled structure found in the inner ear. The cochlea contains thousands of hair cells that are responsible for converting sound waves into electrical signals. When sound waves enter the ear, they cause vibrations in the fluid within the cochlea. These vibrations stimulate the hair cells, which in turn convert the mechanical energy of the vibrations into electrical signals through transduction. These electrical signals are then transmitted to the brain via the auditory nerve, allowing us to perceive and interpret sounds.
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Definition for crime and violence
Answer:
Crime can therefore be defined as a violation of the law and an act of deviance from established rules, or a non-commission of an action that is required by law. Violence, on the other hand, is an act of physical aggression that in most cases results in harm.
3) Bill weighs 220 pounds and is losing 4 pounds each month. Phil weigh 250 pounds and is losing 10 pounds each month. How many months, m, will it take for Bill to weigh the same as Phil? How much will they weigh?
5 months and 200 pounds
4x5 = 20
220-20
200
10x5 = 50
250-50
200
What do you mean by levels of professions?
Answer:
The word “profession” means different things to different people. But at its core, it’s meant to be an indicator of trust and expertise.
Traditionally, a “professional” was someone who derived their income from their expertise or specific talents, as opposed to a hobbyist or amateur. This still carries through to fields today, such as sport.
But given today’s fast-changing environment of knowledge and expertise, it’s now generally understood that simply deriving an income from a particular task might make you an “expert” or “good at your job” – but if you’re a “professional”, this has a broader meaning.
There’s a long history of attempts to clarify this meaning, and to define the functions of professions. These attempts typically centralise around some sort of moral or ethical foundation within the practice of a specific and usually established expertise.
This section is designed to give you an insight into some of the historic and academic ways of defining professions, as well as some regulatory perspectives as to how a group can ultimately become a profession.
The price of soft drinks increases. Which of the following is not part of the likely chain of events that follows from this price change? A. Producers of soft drinks increase their production of soft drinks. B. The manufacturers of soda−canning machines lay off some workers. C. Some consumers of soft drinks reduce their consumption of soft drinks. D. The demand for fruit juices increases.
Answer:
The correct answer is the option B: The manafactures of soda-canning machines lay off some workers.
Explanation:
On the one hand, all of the events presented in the text will happen after the price of the good increases. And that is because of the regular laws of the economy, for example, when the price of a good increases the supply of this one will increase as well and the demand of substitutes of the product will increase as well and the demand of it will decrease.
On the other hand, the manufactures of product that are substitutes to the good will increase its production due to the fact that now their product will be more demanded because the other good have just increased in price. So it is not possible that the manufactures of soda-canning lay off some of their workers.
2. _____ and ___ ______ are both facilities used in propagating woody plants.
2. _____ and ___ ______ are both facilities used in propagating woody plants.
Greenhouses and nurseries are both facilities used in propagating woody plants.
Greenhouses are structures designed to create a controlled environment for plant growth. They typically have transparent or translucent walls and roofs that allow sunlight to enter while trapping heat inside.
Greenhouses provide protection from harsh weather conditions and create a favorable climate for plant propagation. They offer controlled temperature, humidity, and light levels, allowing woody plants to thrive and propagate successfully.
Nurseries are dedicated facilities where plants, including woody plants, are grown and nurtured until they are ready for transplanting. Nurseries can be large-scale commercial operations or smaller, specialized establishments. They provide the necessary infrastructure, expertise, and resources to propagate and cultivate woody plants.
Nurseries often have specialized growing techniques, such as using propagation beds, potting containers, and irrigation systems, to ensure optimal growth conditions for woody plants.
Both greenhouses and nurseries play vital roles in the propagation of woody plants. Greenhouses offer a controlled environment for optimal growth, while nurseries provide the necessary infrastructure and expertise for nurturing young plants until they are ready to be transplanted.
These facilities contribute to the successful propagation and cultivation of woody plants, supporting the horticulture industry and various landscaping projects.
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Imagine that you were responsible for maintaining a company’s website. What kind of recurring tasks might you create in Outlook to help you do your job?
Any task that will take place repeatedly throughout the course of your project can gain from being set as a recurring activity. Several instances include: Meetings may be held weekly, bimonthly, monthly, or quarterly. Reports are issued weekly, bimonthly, monthly, or quarterly.
There are some jobs that come up again throughout any project or personal endeavor. They typically occur on a regular basis and need to be finished before they do so once more. These items are known as recurring tasks, and most task management programs allow you to set them up to repeat themselves automatically. Setting up a task to repeat itself repeatedly on a regular basis is a typical practice.
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can anyone answer this question it important
Answer:
I think it's private it's the most logical answer
Brad, a manager at a new investment firm, is performing job evaluation. He selects 12 benchmark jobs in the firm and then ranks each of these jobs against compensable job factors such as physical effort, responsibility, skill, and nature of the working conditions. This ranking is based on job descriptions created during job analysis. Later, the management meets as a group and develops a consensus on the assigned values for each job. In the given scenario, which of the following systems or methods is Brad most likely using for job evaluation?
A) The point system
B) The classification system
C) The factor-comparison method
D) The market-basket analysis method
Answer:
C) The factor-comparison method
Explanation:
It is correct to say that the method for evaluating jobs that Brad is using in this scenario is the method of comparing factors, which consists of evaluating various factors of the job and not just the job itself. This method is advantageous due to the ease of application and classification of factors, such as those classified as compensable work factors such as physical effort, responsibility, skill and the nature of working conditions.
The objective of the factor comparison method is then to promote a remuneration corresponding to each value attributed to the job's working factors and thus to promote a fairer remuneration according to the position.
Community colleges and vocational schools offer programs in maintenance and repair.
A
True
B.
False
Which method of corporate finance is predominately used by "GROWTH companies"?
A-retained earnings
B-new stock issues
C-borrowing
D-none of these are used by “growth companies"
Answer:
The method of corporate finance that is predominately used by "GROWTH companies" is B: "new stock issues."
Explanation:
Growth companies are companies that are expanding rapidly and reinvesting their profits back into the business to fuel further growth. As such, they typically need to raise additional capital to support their expansion plans. One way they can do this is by issuing new stock, which allows them to sell ownership stakes in the company to investors in exchange for funding. This can be an attractive option for growth companies because it does not require them to take on debt, which can be costly and risky, and it also does not reduce their retained earnings, which they can continue to reinvest in the business. Retained earnings and borrowing are also commonly used methods of corporate finance, but they may not be as suitable for growth companies depending on their specific circumstances.
Because better weather makes farmland more productive, farmland in regions with good weather conditions is more expensive than farmland in regions with bad weather con- ditions. Over time, however, as advances in technology have made all farmland more productive, the price of farmland (adjusted for overall inflation) has fallen. Use the concept of elasticity to explain why productivity and farmland prices are positively related across space but negatively related over time.
Answer:
The price of farmland is actually very stable, although it has slightly decreased in the last few years. But the decrease is not because farmland is more or less productive, but because the price of crops decreased a lot in the last 4 years. Do to president's Trump trade wars, the demand for US crops fell dramatically. This hurt farmers a lot, not because the price of their land decreased, but because their revenues collapsed. A farm is just like any other business, if the cash flows decrease by 30 or 40%, it is normal that the price of the business will decrease.
Actually the price of farmland didn't decrease as much as their cash flows. Each farmer probably lost at least 30% of their total revenues, but the price of the land only decreased by 0.8% on average. This happens because the supply of land is extremely inelastic. You cannot just make more farmland, it doesn't work that way.
As productivity increases, the price of farmland increases also. But on the long run, as the prices and productivity increases, new technologies increase productivity even more, diminishing the amount of farmland needed to produce the same output. Farmland productivity has increased a lot in the past decades, which has increased total food production. The problem is that as more food is supplied, its price goes down. This results in prices of farmland decreasing over time due to technological break troughs.
This only happens in some countries like the US, Canada, Brazil, Argentina, and a few others where farmland is extremely abundant and the population per square mile is very low. In other places, e.g. south east Asia, where people are packed like sardines, the price of land hasn't stop rising and will continue to rise because the demand is much higher than the supply.
Give examples of the ways in which each of the five factors of production can affect the business performance of McDonald's or Walmart.
Explanation:
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Answer:
Give examples of the ways in which each of the five factors of production can affect the business performance of McDonald's or Walmart.
A firm's ___________ consist of expenditures that must be made before production starts that typically, over the short run, _______________ regardless of the level of production. Group of answer choices fixed costs; are consistently changing, fixed costs; do not change, variable costs; do not change, variable costs; are constantly changing,
1. fixed costs
2. do not change
hope this helps
Define herbs.write any 6 examples of herbs.
Explanation:
Herbs are plants that are grown for culinary, medicinal, or aromatic purposes. They are typically grown for their leaves, stems, or flowers, which are used to add flavor to food, provide therapeutic benefits, or add fragrance to perfumes or other products.
Here are six examples of herbs:
Basil - Basil is a common herb used in Mediterranean and Italian cuisine. It has a sweet, slightly peppery flavor and pairs well with tomato-based dishes, soups, and salads.
Thyme - Thyme is a fragrant herb with a slightly lemony flavor. It is often used to season poultry, fish, and vegetables, and is a popular ingredient in French cuisine.
Rosemary - Rosemary is an aromatic herb with a pine-like flavor. It is often used to season roasted meats, poultry, and potatoes, and is a staple herb in Mediterranean cuisine.
Sage - Sage is a strong-flavored herb with a slightly bitter taste. It is often used to season poultry, stuffing, and pasta dishes, and is a key ingredient in traditional Thanksgiving stuffing.
Mint - Mint is a refreshing herb with a cool, slightly sweet flavor. It is often used to flavor beverages such as tea or cocktails, and is a popular ingredient in Middle Eastern and North African cuisine.
Oregano - Oregano is a pungent herb with a slightly bitter, peppery flavor. It is often used to season tomato-based dishes, pizza, and grilled meats, and is a staple herb in Greek and Italian cuisine.
In steady state, the capital-output ratio is equal to the savings rate divided by.
Capital-output ratio is the ratio of total capital of an economy to the total national output or Gross Domestic Product (GDP).
This ratio has an inverse relationship with the output per capita, so if the capital-output ratio is high, then the output per capita is low. A high ratio implies that the country has a lot of capital, which means that it is investing heavily, but output per capita is low, which suggests that it may not be using its capital as productively as it should be.
Savings rate is the fraction of total income that is saved. It is the difference between disposable income and consumption expenditure. In an economy, the amount of savings rate determines the amount of investment that can be made in the economy. If the savings rate is high, then the investment will be high, which will lead to an increase in the capital stock of the economy.
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Internal channels of business communication are designed to reach _____.
1) within the business itself
2) coworkers and upper management within the company
3) a small, targeted group of consumers
4) a large percentage of the consumer market
Answer: coworkers and upper management within the company
Explanation:
Internal channels of business communication are designed to reach coworkers and upper management within the company.
Internal communication is simply the communication that takes place between the workers in a company and the top management. It is an open communication strategy that is used in order to carry everyone along and also achieve organizational goals.
Government programs that protect people experiencing unfavorable economic conditions are.
Government programs that protect people experiencing unfavorable economic conditions are safety net.
A Government is the machine or institution of human beings governing an organized network, normally a nation. inside the case of its wide associative definition, government generally includes legislature, govt, and judiciary.
Government is the gadget of governing a state or network. The machine of social management, the proper to make legal guidelines underneath it, and the proper to put into effect them are given to a positive group of society.
The workout of political authority over the actions, affairs, and many others, of a political unit, humans, and so on, in addition to the overall performance of certain features for this unit or body; the action of governing; political rule and administration.
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If an individual has a credit score of 560 and they pay their credit card late once or twice, what might they expect a credit card company to do?(1 point)
If an individual has a credit score of 560 and they pay their credit card late once or twice, the credit card company may score them low credit score.
What is credit score?Credit score can be defined as what help to measure the credit worthiness of a person as it help to determine whether a person will pay his/her loan within a stipulated time or late.
A late payment credit card may tend to have negative impact on the a person based on the fact that it can lead to the credit card company to score the person low which inturn will affect the person creditworthiness.
Therefore the credit card company may score them low credit score.
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when did Toronto pearsonAirport(Canada) start using technology or scanner
Answer:
Canada's busiest airport will soon start to use artificial intelligence- powered technology to detect weapons. The technology can detect both metallic and non-metallic weapons ranging from guns and knives to explosives, according to Liberty Defense Holdings Ltd., a Vancouver-based company which first marketed the technology. Known as Hex wave, the technology works by capturing radar images, then using artificial intelligence to analyze them for concealed weapons in bags or under clothing. Liberty's CEO, Bill Riker explained, "radar essentially is emitting this form of energy, it's reflecting off a person and it's identifying any items on a person's body that don't belong on a body." The technology will start getting deployed at Pearson in the Spring of 2020 in a bid to boost security, according to the Greater Toronto Airports Authority, which runs Pearson.