In the early 1980s, a new technology was introduced to banks where customers could withdraw their money without having to enter the bank or keep baking hours. As the first ATMs began to be introduced to more and more banks, it began to have an effect on bank personnel. Thinking about the bank environment, identify who would most likely be impacted by this technology change and suffer long term structural unemployment

The number of speculative leases that will be created at 4,000 square feet (SF) will depend on a number of factors, such as the demand for commercial space in the specific location, the current market conditions, and the pricing and terms of the leases.

"Speculative leases" generally refer to leases for commercial space that are created before tenants have been identified. These leases are often used by developers to secure financing for their projects, and they may include a variety of terms, such as rent escalation clauses, leasehold improvement allowances, and termination options.

Therefore, without additional information regarding the specific location and market conditions, it is difficult to estimate the number of speculative leases that will be created at 4,000 SF.

It is important to conduct market research and analysis to determine the demand for commercial space in the specific location, as well as to assess the potential competition and market conditions. This information will help to determine the feasibility of a project and the likelihood of attracting tenants for speculative leases.

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Answer:

EAR= 0.072 = 7.2%

Explanation:

Giving the following information:

Nominal interest rate= 7%

Number of periods= 12 months

To calculate the Effective Annual Rate (EAR), we need to use the following formula:

EAR= (1 + nominal rate/number of periods)^number of periods

EAR= [(1 + 0.07/12)^12] - 1

EAR= 0.072 = 7.2%

Answer: Movie Tickets

Explanation:

The result of the public relations campaign by the Flosserland Department of Finance, would be that a. unemployment falls, but it would have fallen more if people had been expecting 12.5% inflation.

When there is a high rate of inflation in an economy, people will not buy as many goods and services which means that companies will not be as profitable and will produce less goods and services . As a result, there would be less need for employees and labor and so the unemployment rate would rise.

Now, if the Flosserland Department of Finance claimed that they reduced inflation, this means that people will be more tempted to buy goods and servcies thereby leading to a fall in unemployment. However, if the nation of Flosserland did not think inflation had dropped by much, their spending will be less and unemployment will fall by less.

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Answer:

It might or not be ok to plan so, depending on certain circumstances.

Explanation:

Feasibility to Plan a career in an industry, not expected to grow much or even shrink

It is ok to plan so, as the industry growing less or might shrink - will attract less entrants into it. So, less entrants might imply less competition, which might be a favouring opportunity for the firm. Also, a little innovation might act as a catalyst for growth of a less crowded industry.

It is not ok to plan so, if the industry is anticipated to be outdated or irrelevant in constantly modernising businesses. Also, if the industry lacks scope of innovation & further upgradation. As, in both these cases, the lack of competition (as mentioned earlier) will go futile.

Answer:

certainly because a few things are not intended to be proven deliberately. all people desires their personal non-public space, even in the public.

while youre having some time by myself in a cafe, taking part in a pleasant warm espresso, you dont want all and sundry else to get concerned along with your time. You need to recognition at the taste of the coffee, and being stared by using others will handiest create distraction. You dont want people to see your expression after tasting the espresso as this isn't always a culinary tv display.

whilst youre relationship with someone, you wouldnt need strangers to pay attention or stare at you for a protracted period of time. You want to preserve the communication personal and its now not meant to be heard by every body else.

some other issue is that, human beings cant study minds, so theres a high hazard of misunderstanding. as an example, you're carrying an attractive suit and youre awaiting your friend to reach. due to the fact theres no seat, you need to stand by means of the wall. Now, lets say, this takes location in a rustic where privateness isnt without a doubt widely recognized, so strangers have a tendency to stare at you. a few would possibly start to count on that youre attempting to expose off your in shape, despite the fact that youre now not.

every other extraordinary example is when you pressure an appealing searching car, parking it VIP on the foyer for safety motive. human beings may start to judge you on specific reasons. some might assume that youre attempting to show off via displaying it at the foyer , or a few might assume that youre doing it to enhance your ego, even though thats not your purpose.

because of the excessive risk of misunderstanding, the first-class attitude to that is to admire others privacy, now not minding tons about different people unless they may be in want.

or if u don’t want to use all of that here’s this

Respecting other people’s privacy is similar to understanding limits and boundaries. We should always knock before we enter anybody’s houses and bedrooms. On the other hand, if we don’t knock before we enter anybody’s houses and bedrooms, we would be pushing and crossing those limits and boundaries. Some people might think that we’re trespassing and call the police on us. We should never come to someone’s house empty-handed or unless somebody invites us. After somebody invites us over to his or her house, we should bring something, like cookies or cake

P.S. The top one might give u extra credit

Explanation:

Answer:

Texas state laws are highly concerned with third-party collection agencies hassling consumers. State laws require that debt collectors prove they are bonded and licensed to collect delinquent funds. A debt collector must validate or prove it is the legitimate owner of a debt and provide the consumer with specific information about the debt. The Texas finance code states that collection agencies must tell you the name of the original creditor, the original date of default or non-payment, the date the debt was transferred from the original creditor to the third-party debt collector, and the original balance and current balance. If the debt collector refuses to provide the information, state law views it as an admission of inaccurate debt collection. The consumer then has the right to have all debt collection efforts stop and to have the debt permanently removed from any consumer credit reports. The debt collector must be bonded in the state of Texas and have legal authority to collect fees, interest, and expenses. Texas offers programs to monitor credit reports, help repair credit history, and make payment plans.

While federal credit and loan laws are more concerned with fair and accurate business practices, Texas state law is more concerned about debt collection by third parties and repairing credit history. It indicates that when it comes to credit and loans, the biggest problems Texans experience are high debt, debt collections, and poor credit ratings. Texas is less concerned with fair credit practices by creditors and more concerned with how to keep its consumers from defaulting on loans. They also seem to be concerned with fraudulent collection agencies going after consumers and with false financial information being placed on consumer credit reports. The Fair Credit Reporting Act tells consumers to alert CRAs to investigate disputed claims, and the CRAs then have 30 days to investigate a claim and determine if it is inaccurate, incomplete, or unverifiable. In Texas, the state advises consumers to contact the collection agency and request information to validate the collection. Texas gives the collection agency 30 days to respond. If the collector doesn’t respond, the case must be removed, if the agency does respond, the debt is considered legitimate. The state does not refer to CRAs at all.

The state’s website does address identity theft, which can lead to fraudulent use of credit. Texas recommends its citizens invest in an identity protection plan for $10 a month. It also encourages people to invest in a credit report service for $14.95 a month. The Fair and Accurate Credit Transactions Act advises people that they have the right to access three free credit reports a year. The act also states that consumers have the right to have their account flagged by CRAs in the event of identity theft. Texas does not mention any of these rights and services. However, the state provides a lot of links and pages advertising businesses that consumers can pay to help them with credit history and identity theft. The state does not alert people to any free rights and services guaranteed by federal law.

Explanation:

PLATO

An in-depth examination of every step a company takes, from acquiring materials to producing, distributing, and selling its goods or services, is known as a value chain analysis. This analysis provides business owners and managers with in-depth understanding of their company's major cost and profit centers.

What are the two methods for analyzing the value chain?

The value chain analysis can be done in two ways: Strategic Management Insight says that cost and differentiation advantage are advantages.

What exactly is a value chain strategy?

The various business activities and procedures involved in the production of a product, or the provision of a service are referred to as the "value chain."Multiple phases of a product or service's lifecycle—from research and development to sales and everything in between—can be included in a value chain.

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Based on the given information, the consumer surplus is $15. Thus the correct option is A.

Consumer surplus is an economic concept that describes the discrepancy between the greatest price a consumer is prepared to pay and the amount they actually pay for a good or service.

It illustrates the added value or benefit that consumers get from a transaction in comparison to what they give up in terms of monetary payment.

To calculate consumer surplus the formula is

Consumer Surplus = Willingness to Pay - Price Paid

Consumer Surplus = $83 - $68

Consumer Surplus = $15

Therefore, option  A is appropriate.

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Options :

a. ​mistake.

b. ​opinion.

c. ​an adhesion contract.

d. ​fraud.

Answer: Fraud

Explanation: From the scenario described above, it could be inferred that Ken, the real estate agent used trickery to lure Lily into purchasing the property. Hence, Lily could be said to have been defrauded by Ken who used what Lily needed to trick her into making the purchase because the main specification, that is high traffic, which Ken used to lure Lily was actually false. Fraud remains a grave offence as it could only be carried out by lying, issuing false statement, blackmail, impersonation and other grave offences.

According to John Lee, an altruistic love style is defined as selfless, giving love without expecting anything in return.

John Lee, a psychologist and author, proposed six primary love styles, one of which is the altruistic love style. This love style is characterized by individuals who possess a selfless and giving nature in their relationships. They express love without any expectation of reciprocity or receiving anything in return from their partner. Altruistic lovers prioritize the well-being and happiness of their loved ones above their own needs and desires.

People with an altruistic love style often find joy and fulfillment in acts of kindness, support, and self-sacrifice for their partner. They may go out of their way to provide emotional, physical, or material support without seeking any form of repayment or acknowledgement. Their motivation for love stems from a deep sense of compassion and empathy, focusing on the needs and happiness of their loved ones.

It's important to note that individuals may exhibit different love styles in different relationships or situations. While some individuals naturally lean towards an altruistic love style, others may have a combination of different love styles or exhibit different styles in different relationships. Love styles are influenced by various factors, including upbringing, personal values, and past experiences, and can evolve over time as individuals grow and change.

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Explanation:

Credit Cards: That used fund daily transactions by customers.

Car Loans: That used fund the purchasing of a car by customers.

Private loans: Used mostly by borrowers for school funding.

Personal Loans: Being used personal usage by customers.

Farmer raising sheep.

The average variable cost businesses experience  can be described as  the variable costs per unit of output  and this can be interpreted as the production incurred by a business.

The entire variable cost per unit of production is known as the average variable cost (AVC). Total variable cost (TVC) divided by total output (Q) yields this result. Total variable cost (TVC) is the sum of all costs, including materials and labor, that fluctuate with output.

Variable costs per unit of output, which may be understood as the production expenses incurred by a business, can be used to represent the typical variable costs businesses experience.

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Answer: line extension

Explanation:

The action whereby the company plans to introduce new products in the market within its existing product category is referred to as line extension.

Line extension occurs when the brand name for an established product is used for a new item that is in same product category. This can be in form of added ingredients, colors, new flavors etc. An example is a manufacturer of soft drink who adds "apple flavor"manufacturer to its existing "orange flavor"

The expected equilibrium price per permit would be less than $600.

If all 240 permits were given to firm 2 instead, the expected equilibrium price per permit would depend on the supply and demand conditions in the market.

To find the new equilibrium price, we need to consider the changes in supply and demand. If firm 2 receives all the permits, it would have a higher quantity of permits to sell, increasing the supply. On the other hand, the other firms would have no permits to sell, decreasing the overall supply.

Assuming the demand remains constant, this change in supply would likely lead to a decrease in the equilibrium price per permit. With a larger supply and constant demand, the price would decrease.

Without more information about the demand curve and the elasticities of supply and demand, we cannot determine the exact new equilibrium price. However, based on the increase in supply, it is reasonable to expect that the equilibrium price per permit would be lower than before.

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The  bond's YTM increases to 9% APR with semiannual compounding, its price will decrease to $941.47.

To find the bond's yield to maturity (YTM), we can use the present value formula and solve for the discount rate (YTM) that makes the present value of the bond's future cash flows equal to its current price:

The bond's YTM increases to 9% APR with semiannual compounding, its price will decrease to $941.47.

a) PV =  \((C / (1+r/2)^{n} ) + (C / (1+r/2)^{n-1} ) +.... + (C + FV / (1+r/2)^{n-1} )\)

PV =1034.74

b) price= \((40 / (1+0.09/2)^{1} ) + (40 / (1+0.09/2)^{2} ) +.... + (40 + 1000 / (1+0.09/2)^{0} )\)

Price = $941.47

Thus, if the bond's YTM increases to 9% APR with semiannual compounding, its price will decrease to $941.47.

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c. 5 years. A company's long-term strategic plan typically covers a time frame of around 5 years.

This duration allows for sufficient planning and implementation of strategic initiatives while still accounting for the dynamic nature of the business environment. It strikes a balance between providing a clear direction for the organization and allowing flexibility to adapt to changing market conditions and technological advancements. Within this 5-year period, companies can set specific goals and objectives, allocate resources, develop new products or services, expand into new markets, and establish competitive advantages. The plan outlines the overall strategic direction, identifies key priorities, and guides decision-making to ensure the company remains focused on achieving its long-term vision while remaining responsive to emerging opportunities or challenges.

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Answer:

mobile and portable

Explanation:

This illustrates mobile and portable unique attributes associated specifically with digital marketing.

A decoration, interpretation, or visual explanation of a text, concept, or process is called an illustration. Illustrations are made to be integrated into print and digitally published media, including posters, flyers, magazines, books, instructional aids, animations, video games, and films

When promoting goods and services, digital marketing makes use of the Internet and other online-based technology such as desktop computers, mobile phones, and other digital media and platforms.

Therefore, Product attributes are traits or qualities that characterize a good. These qualities can be tangible,

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Article 9 of the Code of Ethics about written agreements requires Realtors to make reasonable efforts to reduce their verbal agreements to written agreements.

The National Association of Realtors has a code of ethics that each member must follow. The code of ethics serves as a guideline to ensure that members act professionally and ethically in their dealings with clients. One of the most important provisions in the Code of Ethics is Article 9, which relates to written agreements. Article 9 requires Realtors to make a reasonable effort to reduce their verbal agreements to writing.

This requirement is essential because it helps prevent misunderstandings between Realtors and their clients. By putting their agreements in writing, the parties can avoid confusion over what was agreed upon and have a clear record of their understanding if any disputes arise in the future. Realtors can create written agreements using standard forms approved by their local or state Realtor association or legal counsel. Therefore, Article 9 of the Code of Ethics requires Realtors to make reasonable efforts to reduce their verbal agreements to written agreements.

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The net nation's economy from equal increases in government spending and taxes of $10 billion when the MPC is 0.8 is an increase in income by $10 billion.

C = 100 + 0.7YD

G = 700

T = 500

I = 200

Using the Keynesian expenditure-income model -

Y = C + I + G + (X - M)

= (100 + 0.7YD) + 200 + 700 + (X - M)

AE = (100 + 0.7YD) + 200 + 700

Y = (100 + 0.7YD) + 200 + 700

Y = 100 + 0.7YD + 200 + 700

Y = 1000 + 0.7YD

Y = 1000 + 0.7(Y - 500) [ disposable income = YD = Y - T, YD = Y - 500]

Y = 1000 + 0.7Y - 350

0.3Y = 650

= 2166.67

Calculating the government spending multiplier -

Mg = 1 / (1 - MPC)

= 1 / (1 - 0.6)

= 1 / 0.4

= 2.5

Calculating the tax multiplier -

Mt = -MPC / (1 - MPC)

= -0.6 / (1 - 0.6)

= -0.6 / 0.4

= -1.5

Calculating the net impact on nation's economy -

ΔY = (Mg x ΔG) + (Mt x ΔT)

= (2.5 x 10) + (-1.5 x 10)

= 25 + (-15)

= 10

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How to Do Well in School

Attend class regularly.

Pay attention in class.

Do homework routinely.

See the teacher for help.

Review what you're learning on a regular basis.

Learn from mistakes..

Make school a priority.

Work hard, play hard.

There u go

Answer:

make a schedule in order to effectively get it all done. also, don't take advantage of studying, I used to not study enough, but then I just added an extra 30 min of studying time, and it improved my grades from a B+ to an A!! Just keep focus without destractions, you get a text, silence your phone until your finished, trust me, it will be hard to ignore everything and focus, but again, worth it. (sry for the typos, I have somewhere to be, but I hope I helped!)  

Explanation:

The difficulty level that a manufacturer experiences in getting retailers to purchase its products is determined by the degree to which the channel is vertically integrated.

It should be noted that vertical integration simply means the process of acquiring business operations towards identical production.

In this case, the difficulty level that a manufacturer experiences in getting retailers to purchase its products is determined by the degree to which the channel is vertically integrated.

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In an oligopoly, a few large firms dominate the market. When it comes to competing with the aviation industry, oligopolistic firms typically employ various strategies to attract customers and maintain their market share.

Here are some ways in which oligopolies can compete with the aviation industry:

Price competition: Oligopolistic firms can engage in price competition to attract customers. They may offer discounted fares, promotional deals, or competitive pricing strategies to undercut their rivals and attract passengers. Price matching and price wars can occur among oligopolistic airlines, leading to lower prices for consumers.

Product differentiation: Oligopolies often focus on product differentiation to distinguish themselves from their competitors. Airlines can differentiate their services through various means, such as offering unique amenities, onboard entertainment, comfortable seating, better customer service, loyalty programs, or additional services like complimentary meals, Wi-Fi, or extra baggage allowances. By providing a superior customer experience, oligopolistic airlines aim to attract and retain customers.

Network coverage: Establishing extensive route networks and connectivity is crucial for competing in the aviation industry. Oligopolistic airlines invest in expanding their flight routes, partnering with other airlines through code-sharing agreements or alliances, and providing convenient connections. By offering a wide range of destinations and seamless travel experiences, they can appeal to passengers seeking comprehensive travel options.

Branding and marketing: Effective branding and marketing strategies play a vital role in competing with the aviation industry. Oligopolistic airlines invest heavily in advertising, sponsorships, endorsements, and digital marketing to raise brand awareness and promote their services. They aim to create a strong brand image, emphasizing factors like reliability, safety, comfort, and superior service to differentiate themselves from competitors.

Innovation and technology: Oligopolistic firms in the aviation industry continually invest in research, development, and technological advancements. They seek to improve fuel efficiency, reduce emissions, enhance aircraft performance, and introduce new technologies that enhance the passenger experience. Innovations like improved in-flight entertainment systems, mobile apps for booking and managing flights, or self-service kiosks can give an edge to oligopolistic airlines.

Strategic alliances and mergers: Oligopolistic firms may form strategic alliances or engage in mergers and acquisitions to strengthen their competitive position in the aviation industry. By pooling resources, sharing networks, and coordinating operations, they can achieve economies of scale, expand their market reach, and increase their competitiveness against other airlines.

It's important to note that competition in the aviation industry is complex and influenced by numerous factors, including regulatory frameworks, geopolitical considerations, market demand, and cost structures. Oligopolistic firms must adapt to changing market conditions, anticipate customer needs, and respond to competitive pressures to effectively compete with the aviation industry.

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The programs that available that can help you to get the college credit for the career that you have chosen are:

The entrance requirements for this schools would need you to have up to an achievement rating of 4 in some basic subjects.

You could possibly graduate with up to 120 college credits from school.

The benefits of Advanced placements is that they help to prepare students for the college school. They are used to place and grade students as they prepare for college.

When students join in these courses, they study college-level content more rigorously and at a faster speed. They can acquire college credits in return for taking a course like this.

High school pupils need to be aware that there are options like these, with great rewards. Students who know this information can finish their college education before arriving on the campus of their chosen institution or university.

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Answer: (Answers may vary.)

After researching the AP and IB options in my town, I found out that my state doesn’t offer the IB curriculum. I think that the IB program sounds very interesting. I’d like to see a real IB school and learn more about the curriculum, but unfortunately I won’t be able to in my school district. My school district does, however, offer AP classes in high school.

In order to get into the AP program in my school district, I have to be on the AP path. This means that I would take the pre-AP classes in middle school, which will allow me to get farther along in the curriculum, and then I’d take the AP classes starting in my junior year. I also have to get a 3.0 GPA and maintain that GPA through my AP classes while in high school or I may lose my place in the program.

If I get on the right track, I could possibly take up to eight AP classes in my junior year of high school and another eight AP classes in my senior year, which would mean that I could get a lot of college credits! I don’t know if I could realistically do this, however, because the classes are so much more difficult than regular high school classes are. I’d also be very worried about taking all of those AP exams at the same time!

I think I’ll try to take as many AP classes in high school as I possibly can, but only for the core classes, such as English, Science, Math, and History. That way, I can get through college sooner and pay less for my degree. I have to make sure I get good grades in my classes, and I plan to get on the AP track so I can take these classes in the future.

Explanation: Edmentum Answer

The value of the investor's holdings in this stock is approximately $70,594.53. option is e)

The value of the investor's holdings in this stock can be calculated by finding the present value of each future dividend payment and adding them together.

To calculate the present value of a future payment, we use the formula:

PV = FV / (1 + r)^n

Where PV is the present value, FV is the future value, r is the required rate of return, and n is the number of periods.

Let's calculate the present value of each dividend payment:

1) The dividend of $5 a share one year from today:
PV1 = 5 / (1 + 0.135)^1

2) The dividend of $8.20 a share two years from today:
PV2 = 8.20 / (1 + 0.135)^2

3) The liquidating dividend of $60 a share three years from today:
PV3 = 60 / (1 + 0.135)^3

Now, let's calculate the total present value of the dividends:
Total PV = PV1 + PV2 + PV3

By substituting the values and calculating, we get:

Total PV = (5 / 1.135) + (8.20 / 1.135^2) + (60 / 1.135^3)

Using a calculator, the total present value is approximately $70,594.53.

The correct option is e) $70,594.53.

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Answer:

B. corporate bonds

Explanation:

have a great day peeps :)

Answer:

What is a research protocol? A protocol includes a background which summarises the evidence about the issue in the literature and provides a justification for doing the study. It describes the participants and the inclusion and exclusion criteria, as well as how they will be recruited.