Banking and regulation ‘We need new regulations in the banking sector to ensure that the global financial crisis never happens again.’ Discuss this commonly heard statement. In your answer, make sure you a. describe the common types of risk facing any banking sector and how these risks played out in the USA in the lead up to the global financial crisis, and

b. explain how effective you believe the new Basel III regulations will be in managing these risks in the future.

If oil prices decline, the short-run aggregate supply curve shifts to the right, and output supplied will increase.

This is because lower oil prices lower the production costs of firms that rely heavily on oil as an input, such as transportation and manufacturing industries. As a result, firms can produce and supply more goods and services at lower costs, leading to an increase in output supplied in the short run.

The shift in the short-run aggregate supply curve to the right also leads to lower prices for goods and services, as firms are able to produce more efficiently. However, in the long run, the increased output supplied may lead to higher prices if the increase in demand exceeds the increase in aggregate supply.

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C. (1) Choose performance measures that align with top management's financial goals; (2) choose the details of each performance measure in step 1,

(3) choose a target level of performance and feedback mechanism for each performance measure in step 1. Choose performance measures that align with top management's financial goals: This step involves identifying the key financial objectives and goals set by top management. Performance measures should be selected in a way that reflects and supports these goals. For example, if the goal is to increase profitability, relevant measures could include net income, return on investment, or earnings per share. Choose the details of each performance measure in step 1: In this step, specific metrics and criteria for each chosen performance measure are determined. This involves defining the variables, formulas, and methods used to calculate and track performance. For instance, if return on investment is a selected measure, details such as the specific components of the investment and the time period for measurement need to be established.

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1. I imagine buying 100 shares of Amazon.com Inc. on January 3, 2020, when the stock price was $93.75, investing $9,375.  

Today, October 31, 2022, the stock price of Amazon.com Inc. is $102.44.

2. The real return on my investment in Amazon.com Inc was a net loss of  7.12% or $667.60.

3. The company I selected to buy its stock three years ago was Amazon.com Inc.

4. I decided on Amazon.com Inc., hoping to earn spectacular returns since it is a multinational technology company.

5. When I consider the actual return on the stock investment in Amazon.com Inc., I think it was an unwise investment.

6. The investment returned a negative real value because I realized less than I initially invested; I actually lost about $667.60 overall.

Stock investment is the purchase of shares for an ownership interest in a publicly-listed company.

The investor makes the investment with the hope that the investee will grow and perform well over some period, enabling the investor to earn some real returns (in the form of dividends and capital appreciation).

Purchase of 100 shares Jan. 3, 2020 = $9,375 (100 x $93.75)

Sales of 100 shares Oct. 31, 2022 = $10,244 (100 x $102.44)

Tax (10%) = $1,024.40 ($10,244 x 10%)

Inflation (3%) = $307.32 ($10,244 x 3%)

Administration fee on sales (2%) = $204.88 ($10,244 x 2%)

Real Returns in dollars = $8,707.40 ($10,244 - $1,024.40 - $307.32 - $204.88)

Loss on returns = $667.60 ($8,707.40 - $9,375)

Loss percentage = 7.12% ($667.60/$9,375 x 100)

Unfortunately, Amazon.com Inc. did not pay any dividends during the period of my investment, and I really lost funds to taxes, inflation, and administration fees when I sold it.

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To determine the probability that the insurance company's capital is always positive throughout its first 365 days, we can use a simulation algorithm.

Here's an outline of the algorithm:

1. Set the number of simulations to 10,000 and initialize a counter for successful simulations.

2. For each simulation:

a. Initialize the company's capital to $20,000.

b. Set the current day to 0.

3. Repeat the following steps until the current day reaches 365:

a. Generate a random number from a Poisson distribution with a rate of 0.2. This will represent the number of claims that arrive on the current day.

b. For each claim that arrives:

i. Generate a random amount from an exponential distribution with a parameter of 0.01. This represents the amount of the claim.

ii. Subtract the claim amount from the company's capital.

c. Generate a random number from a Poisson distribution with a rate of 0.15. This represents the number of cash payments received on the current day.

d. For each cash payment received:

i. Generate a random amount from a uniform distribution between 0 and 200. This represents the amount of the cash payment.

ii. Add the cash payment amount to the company's capital.

e. If the company's capital becomes negative at any point, break out of the loop and move to the next simulation.

4. If the loop completes for a simulation without the company's capital becoming negative, increment the counter for successful simulations.

5. Calculate the probability as the ratio of successful simulations to the total number of simulations (10,000 in this case).

By running this simulation algorithm, you can estimate the probability that the insurance company's capital remains positive throughout its first 365 days based on the provided arrival and distribution parameters.

Here's a Python implementation of the simulation algorithm described earlier:

import random

def simulate_prob_positive_capital(num_simulations):

   successful_simulations = 0

   for _ in range(num_simulations):

       capital = 20000

       current_day = 0

       is_positive_capital = True

       while current_day < 365:

           # Generate number of claims

           num_claims = random.poisson(0.2)

           # Process claims

           for _ in range(num_claims):

               claim_amount = random.expovariate(0.01)

               capital -= claim_amount

               if capital < 0:

                   is_positive_capital = False

                   break

           if not is_positive_capital:

               break

           # Generate number of cash payments

           num_cash_payments = random.poisson(0.15)

           # Process cash payments

           for _ in range(num_cash_payments):

               cash_payment = random.uniform(0, 200)

               capital += cash_payment

       if is_positive_capital:

           successful_simulations += 1

   probability = successful_simulations / num_simulations

   return probability

# Run the simulation with 10,000 simulations

result = simulate_prob_positive_capital(10000)

print(f"The probability that the company's capital is always positive throughout the first 365 days is: {result}")

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True. Cash registers, time clocks, and personal identification scanners are all examples of technologies that can improve internal control.

Cash registers, for example, can ensure that all transactions are recorded accurately and that cash is not stolen from the register. Time clocks can help prevent time theft by accurately recording when employees clock in and out. Personal identification scanners can help ensure that only authorized individuals have access to certain areas or equipment. Overall, these technologies can increase efficiency and accuracy in recording transactions, prevent fraud and theft, and enhance the overall internal control system of a business.

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Shane is employing the heuristic of availability. The availability heuristic is a mental shortcut in which people make decisions based on how quickly they can recall examples or instances.

What is the heuristic for availability?

The availability heuristic (or availability bias) is a cognitive bias that assists us in making quick, but sometimes incorrect, decisions. It entails relying on information that comes to mind quickly or is readily available.

Shane bases his belief in this case on how easily he recalls several recent cases in which defendants claiming insanity appeared to receive lenient sentences or avoid jail. This reliance on easily remembered examples.

Therefore, Shane is using the  heuristic of availability as he recalls several recent cases in which the situation appeared to be true.

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Answer:

And even though all national banks and federally chartered credit unions are subject to the same hold rules, each institution can release your funds sooner at its discretion. By understanding the rules of funds availability, you can ensure you'll have access to your money when you need it.:

Answer:

Finder's fee. good luck dude

A type of marketing that is generally characterized by limited communications and little or no ongoing relationship between the buyer and seller is transactional marketing.

What is transactional marketing?

Transactional marketing is one business strategy that focuses on single "point of sale" transactions. This strategy emphasizes is on maximizing the volume and efficiency of individual sales rather than developing a relationship with the buyer. The advantage of this strategy is the cost-effective strategy to build a sales model. It's because the strategy doesn't focus on brand image and the promotional costs are low. The example of transactional marketing is a shopping channel on TV advertising a new product and provides a phone number or website to buy the product in that moment.

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Company B (option d) has the highest inventory turnover ratio, suggesting that it will have the lower number of days to sell compared to the other companies.

To determine which company will have the lower number of days to sell, we need to calculate the inventory turnover ratio. The formula for inventory turnover ratio is:

Inventory Turnover Ratio = Cost of Goods Sold / Average Inventory

Let's calculate the inventory turnover ratio for each company:

a) Company A:

Cost of Goods Sold = $8,000

Average Inventory = $500

Inventory Turnover Ratio for Company A = $8,000 / $500 = 16

b) Company C:

Cost of Goods Sold = $2,000

Average Inventory = $200

Inventory Turnover Ratio for Company C = $2,000 / $200 = 10

c) There is not enough information to answer this question.

d) Company B:

Cost of Goods Sold = $4,000

Average Inventory = $200

Inventory Turnover Ratio for Company B = $4,000 / $200 = 20

The inventory turnover ratio represents the number of times a company sells its average inventory during a specific period. A higher turnover ratio indicates that inventory is sold more quickly.

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The paper money used in the United States is primarily composed of Federal Reserve Notes.

These notes are issued by the Federal Reserve, which is the central banking system of the United States.

Federal Reserve Notes are used in everyday transactions, such as purchasing goods and services, and are accepted by virtually all businesses in the country.

However, there have been other types of paper money used in the past, such as national bank notes, treasury notes, and United States notes.

National bank notes were issued by individual banks before the establishment of the Federal Reserve, while treasury notes were used during times of war to help finance military efforts.

United States notes, also known as Legal Tender notes, were issued during the Civil War and were intended to help finance the war effort as well.

Overall, while there have been various types of paper money used in the United States throughout history, Federal Reserve Notes remain the most common and widely accepted form of currency today.

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Sole proprietorship is a business owned and operated by a single individual.

A sole proprietorship may operate under the owner's name or under a fictitious name, although laws regarding the use of fictitious names vary by state.

The use of fictitious names does not create a separate entity from the business owner. Sole proprietorships are popular due to ease of entry. When an individual starts a sole proprietorship, they own and control all aspects of the business.

Even if you hire employees, you are still personally responsible for full legal responsibility, which is a characteristic of sole proprietorships that distinguishes them from other forms of business.

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The financing cost of Clemson to secure the investment will be $2.2875 million.

From the information, we've to calculate the simple interest first. This will be:

= PRT/100

= (30 × 0.75 × 8.5)/100

= 1.9125 million

The fee is 1.25% of the issue size. This will be:

= 1.25% × $30 million

= $375000

Therefore, the financing cost will be:

= $1.9125 million + $0.375 million

= $2.2875 million

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Since the broker already add the brokerage's name, location, and phone number on the website to advertise the broker's office; then no need for any additional disclosures. The correct answer is option D.

A broker is an individual or firm that acts as an intermediary between a buyer and a seller; or between an investor and a securities exchange, who buys and sells goods or assets for others. A broker can also refer to the role of a firm when it acts as an agent for a customer and charges the customer a commission for its services.

There are 3 types of brokers, those are: Online brokers, a new form of digital investment which interacts with the customer on the internet; Discount brokers, a stockbroker who performs buy and sell orders at a reduced commission rate; and Full-service brokers.

Although part of your question is missing, you might be referring to this full question: A broker developed a website to advertise the broker's office with the brokerage's name, location, and phone number. What additional information does the broker need to include?

A. Name and address of the home office and the states in which the brokerage holds licenses

B. License number of the brokerage and list of current active licensees

C. Names of active licensees, addresses, and phone numbers

D. No need for any additional disclosures

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Answer and Explanation:

The matching of the area with the level of housing prices is as follows

Urban = High housing prices

As urban refers to that area in which there is a large population so of course the prices of the houses are high

Exurban = Low housing prices

The exurban is located in the rural areas in which there are less populations as compared to sub

Suburban = Medium housing prices

In this the population is more than the exurban

Looking side to side along the line of an organizational chart, you can determine who reports to whom.

An organizational chart is a visual representation of the hierarchy and reporting relationships within an organization. Each level in the chart represents a position or job title, and the lines connecting the positions indicate the reporting relationships between them.

By looking horizontally along a given level of the chart, you can see which positions or job titles report to the same supervisor or manager. This can help to clarify reporting relationships and organizational structure, and can also be useful in identifying potential communication or coordination issues.

However, looking side to side along the line of an organizational chart does not necessarily provide information about the optimal span of control, the company's common purpose, or the various departments or specializations of work, as these may be represented in other ways on the chart or may require additional context or information to fully understand.

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A Gantt chart is a visual representation of the subassemblies and components that are required to produce and/or assemble a product.  Option E

It provides a timeline view of the project, outlining each task or component required, and the duration of time it will take to complete each step.

The Gantt chart is an essential tool in project management and is widely used across industries. It allows project managers to plan, schedule, and track progress of a project in a visual format that is easy to understand.

By breaking down the project into its subcomponents and tasks, project managers can identify potential bottlenecks and dependencies, ensuring that everything is in place to keep the project on track.

In summary, a Gantt chart is a powerful tool that helps project managers to plan and visualize the subassemblies and components required to produce and/or assemble a product. It is an essential tool for any project manager looking to streamline their operations, minimize costs, and maximize efficiency. So the correct answer is Option E.

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An app that allows team members to give suggestions about what issues the manager should address first is implementing a participative decision-making style. Participative decision-making encourages input from all members of the team and values their contributions in the decision-making process.

This style of decision-making fosters a collaborative environment where team members feel their opinions are valued and taken into consideration by management. By using an app to gather suggestions, the manager is creating a platform for team members to voice their concerns and provide input on the most pressing issues. This can lead to better decision-making, as managers can prioritize issues based on the collective knowledge and experience of the team. Additionally, participative decision-making can increase team morale and engagement, as members feel more involved and invested in the organization's success. an app that allows team members to give suggestions about which issues should be addressed first by the manager is implementing a participative decision-making style, promoting collaboration and harnessing the collective wisdom of the team to improve overall decision-making and organizational effectiveness.

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Answer:

usually signals demand for goods and services is lower than it should be, and this tends to slow economic growth and depress wages.Jun

Explanation:

Internal rate of return is the discount rate that yields a zero net present value.

The internal rate of return (IRR) is defined as the discount rate at which the net present value of an investment's cash flows equals zero. In other words, it is the rate at which the sum of the present values of future cash inflows equals the sum of the present values of future cash outflows. Therefore, the first statement is true.

The second statement is incorrect because if the net present value of an investment is positive, it means that the investment's internal rate of return is above its cost of capital, not below it.

The third statement is partially correct because a high internal rate of return indicates that the investment is potentially profitable. However, other factors such as risk and uncertainty also need to be considered before determining whether the investment is acceptable or not.

The fourth statement is correct because if the cost of capital is higher than the internal rate of return, it means that the investment is not generating enough returns to cover its cost of financing, and thus it is not acceptable.

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The entry will include Depreciation Expenses for $1,750 and Accumulated Depreciation for $1,750

Here, we are to first calculate the Depreciation expenses while observing that the date runs for 1 month (From December 2 - December 31).

The depreciation expense will equals Annual depreciation of computer * 1/12

Depreciation expense = $3,000 * 1/12

Depreciation expense = $250

The adjusting entry will entails:

Date     Account titles and explanation            Debit     Credit

31 Dec   Depreciation expenses                         $250

                    Accumulated depreciation                            $250

            (Entry to record depreciation expenses)

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Emma would add $1.50 to the $3.00 cost of making a jar of honey to generate a 50% profit, resulting in a $4.50 selling price per jar.

The selling price is the price a seller charges for a product or service. This is the price at which a seller sells their goods or service to potential buyers. All costs related with making, packaging, and marketing the goods are included in the selling price, as is any profit margin added by the seller.

The selling price of a good or service is an important aspect in determining a company's success. It must be placed at a price that will attract customers and generate revenue for the seller. The selling price must account for market competitiveness as well as any other costs such as taxes and shipping and handling fees.

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It is true that management resources that need control include machinery usage, labour volume, money spent, time used, warehouse space used, and material usage.

Resource management can be understood as the efficient and effective development of an organization's resources when they are needed. Examples of such resources are financial resources, inventory, human skills, production resources, information technology and natural resources. In the realm of project management, processes, techniques and philosophies as to the best approach for allocating resources have been developed.

Resource management is considered the key element to activity resource estimating and project human resource management.

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Answer:

d)revenue

Explanation:

the landlord receives a percentage of revenue earned from any business in addition to the base rent.

In a percentage lease, the landlord receives a revenue. Option d is correct.

A percentage lease is defined as one in which the tenant pays a base rent plus a percentage of any money generated while operating a company on the rental property.

A percentage lease pays the landlord a percentage of any business's revenue in addition to the base rent.

In comparison to a standard lease, the base rent is usually lower. The lower base rent is balanced out by the higher upside potential of a percentage lease.

Therefore, option d is correct.

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Answer:

A .  Distributor

Explanation:

I just had this question lol >.<

- mark me brainliest :0

A distributor acts as a link in the supply chain or distribution channel between a manufacturer, who produces a product, and an entity further down the line. The downstream company can either be a wholesaler or retailer, known as a value-added reseller (VAR).

Thus, option A is Correct.

A distributor purchases products from a producer and sells them to customers, occasionally via stores in the distribution channel. Distributors can sell goods directly to consumers or to other firms, depending on the good or service.

A distributor is a company that buys non-competing products or product lines and resells them to customers directly. The majority of distributors also provide a range of services, including service, technical support, and warranty protection. Distributors are essential in assisting manufacturers in reaching markets that they would not otherwise be able to approach.

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Answer:

Criticism of marketing focuses largely on two areas: its “excesses” and its “expertness.” “Excesses” are about purposefully shoddy and objectionable products, inadequate warranties, deceptive or objectionable advertising, misleading packaging, questionable selling practices, and emphasis on tawdry values.

Explanation: You're Welcome.

The asset demand for money is most closely related to money functioning as D) store of value.

The asset demand for money refers to the desire of individuals and institutions to hold money as an asset for the purpose of storing value over time. Money, in this context, serves as a store of value. It allows individuals to hold their wealth in a readily accessible and liquid form that can be used for future transactions or to preserve purchasing power.

While money also functions as a medium of exchange (C), facilitating transactions between buyers and sellers, the asset demand for money specifically emphasizes its role as a store of value. Money serves as a means for individuals to hold and preserve their wealth, providing a form of financial security and liquidity.

The options A) measure of value and B) unit of account are related to money's role in measuring and representing the value of goods and services in an economy. However, they are not directly associated with the asset demand for money.

Therefore, the most appropriate answer is D) store of value.

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Answer:

PPF will rotate rightward by  technological breakthrough in making cloth only

Explanation:

PPF is the graphical representation of two goods, that an economy can produce with given resources & technology.

If there is a technological breakthrough in only one good (cloth here) in economy (US here). The new PPF shift outward (rightwards or upwards) only on the axis representing that particular good (on x or y axis respectively). As cloth is on x axis, the PPF will rotate rightward by technological breakthrough in making cloth only.

Yes, on new rightward rotated PPF also, cloth & tea can be traded off, but at an altered slope & marginal opportunity cost (sacrifise ratio).