calculate the annual percentage interest rate (apr): new customer: borrow $200 and return $203 after two weeks.

In summary, the correct answer is D.) A loan that you can afford with an interest rate that is the same as the interest rate being charged by at least three other financial institutions.

However, it is essential for borrowers to thoroughly examine loan agreements and seek professional advice to ensure they are not unknowingly subjected to predatory lending practices.

Being well-informed and cautious is key to protecting oneself from potential financial exploitation.

A.) A creditor knocking on your door and agreeing to refinance your mortgage without looking at your credit history: This practice can indeed be considered predatory lending.

B.) An individual agreeing to a high-cost loan with excessive fees: This is a classic example of predatory lending.

C.) A lender who expects a loan to be refinanced when you are unable to make payments: This practice is also considered predatory lending.

D.) A loan that you can afford with an interest rate that is the same as the interest rate being charged by at least three other financial institutions

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Goldstein said that failure is a learning process, but people don't always consider it that way, and that it can be just as valuable as success, according to the given statement, "Evaluate this assertion which and is.

This statement is valid. People typically associate failure with negative feelings and outcomes, rather than as an opportunity to learn and develop. Failure, on the other hand, can provide us with important life lessons and insight into how to improve.

People who do not learn from their failures or continue to make the same mistakes over and over again are unable to achieve success.

We learn from our mistakes and failures, which help us to avoid making the same mistakes in the future and to make better decisions. As a result, failure should be regarded as a stepping stone to success.

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When considering investing in a drip, the benchmark rate of return that should be used for comparison is the market rate of return.

This is because drips are typically long-term investments and should be evaluated based on their performance relative to the overall market. The market rate of return can be measured using an index such as the S&P 500 or the Dow Jones Industrial Average.

These indexes track the performance of the overall market and provide a benchmark for investors to compare their returns. It's important to note that individual investors may have different goals and risk tolerances, so the benchmark rate of return may vary depending on their investment objectives.

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To calculate the bond's yield to worst, we need to consider the two possible scenarios: holding the bond until maturity or until it becomes callable.

First, let's calculate the yield to maturity (YTM) by using the bond's current price, coupon rate, and time to maturity. The bond has a 20-year maturity and pays a semi-annual coupon of 8%. We assume a par value of $100.

Using a financial calculator or spreadsheet software, we can find that the YTM is approximately 7.37%.

Next, we calculate the yield to call (YTC) by using the bond's call price, call date, and remaining time until call. The bond becomes callable on 12/31/2017 at a call price of 105. The remaining time until call is 2 years.

Again, using a financial calculator or spreadsheet software, we find that the YTC is approximately 5.85%.

Since the bondholder wants to maximize their yield, the yield to worst is the lower of the two yields. Therefore, the bond's yield to worst is 5.85%.

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Capabilities that other firms cannot develop easily are classified as nonsubstitutable. The correct answer is d.

Capabilities that other firms cannot develop easily are classified as nonsubstitutable. Nonsubstitutability refers to the unique qualities or resources possessed by a firm that cannot be easily replicated or substituted by its competitors.

These capabilities provide a competitive advantage because they are rare and valuable, making them difficult for other firms to imitate or find suitable substitutes for.

Option a. costly to imitate is also relevant in this context, as capabilities that are difficult to develop are often costly to imitate. However, the term "costly to imitate" does not encompass the aspect of uniqueness or nonsubstitutability, which is essential in distinguishing the capabilities that cannot be easily replicated by competitors.

Therefore, the most appropriate classification for capabilities that other firms cannot develop easily is nonsubstitutable. The correct answer is d.

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The answer is b. Robotic process automation offers all of the following advantages except increasing cost. Instead, it improves accuracy and quality, increases employee productivity, and increases customer satisfaction.

Customer satisfaction refers to the overall feeling of happiness or contentment that a customer experiences after purchasing a product or service from a business. It is a key performance indicator for businesses, as satisfied customers are more likely to become loyal customers, recommend the business to others, and provide positive reviews and feedback.

To ensure customer satisfaction, businesses must focus on providing high-quality products or services that meet or exceed customer expectations. This can be achieved through a variety of strategies, including:

1. Understanding customer needs: Businesses must take the time to understand their customers' needs, preferences, and expectations. This can be done through market research, surveys, and customer feedback.

2. Providing excellent customer service: Providing excellent customer service is essential to ensuring customer satisfaction. This involves training employees to be friendly, helpful, and responsive to customer needs and concerns.

3. Offering high-quality products or services: Businesses must offer products or services that are of high quality and meet customer expectations. This can be achieved through quality control measures and continuous improvement efforts.

4. Resolving customer complaints: Businesses must have effective complaint resolution procedures in place to address any issues or concerns that customers may have. This involves listening to customers, taking their concerns seriously, and taking appropriate action to resolve the issue.

5. Building customer relationships: Building strong relationships with customers can help to increase customer satisfaction and loyalty. This can be achieved through personalized communication, loyalty programs, and other relationship-building strategies.

Overall, customer satisfaction is a critical factor in the success of any business. By focusing on providing high-quality products and services and excellent customer service, businesses can build a loyal customer base and increase customer satisfaction, leading to long-term success and growth.

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The statement is false because the PPP (Purchasing Power Parity) adjustment is not used in business to balance credits and debits at the end of the accounting cycle.

PPP is a macroeconomic concept that relates to the relative prices of goods and services between countries. It is used to compare the purchasing power of different currencies and to adjust exchange rates accordingly.

In other words, PPP helps to determine the value of one currency relative to another, based on the cost of living and inflation rates in each country. While PPP can affect international trade and investment, it is not directly related to the accounting cycle or the balancing of credits and debits in business transactions.

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The segment of society with high or abundant factors of production in a country benefit from free trade, while the owners of scarce factors may be negatively affected.

The Stolper Samuelson theorem states that when a nation engages in free trade, it has a propensity to specialize in producing goods that utilize its abundant factors of production more intensively and importing goods that utilize its scarce factors of production more intensively. Changes in relative prices and factor returns within the nation may be the result of this specialization.

Owners of abundant factors of production, such as land, raw materials or skilled labor, are likely to gain from free trade, according to the theorem. Increased demand for these factors and higher returns can result from specialization in products that use them more frequently. For instance, free trade may increase demand for goods that need skilled labor if a nation has a large pool of skilled laborers, which may lead to skilled workers earning more money.

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The automatic identification of materials is facilitated by RFID technology, which can help reduce holding costs and improve working capital management.

Automatic identification of materials is the process of using technology to track and manage inventory items. This can be achieved through various methods, including barcoding, QR codes, and RFID (radio-frequency identification) technology. RFID is a type of wireless technology that uses radio waves to identify and track objects.

RFID technology can facilitate the automatic identification of materials by enabling real-time tracking of inventory items, reducing the need for manual inventory checks and improving accuracy. This can help companies reduce holding costs by minimizing excess inventory and ensuring that materials are available when needed.

RFID technology can play a key role in achieving this balance by enabling companies to track inventory in real-time and make data-driven decisions about inventory levels and replenishment.

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As employers strive to retain high performance employees, several factors in employee-manager relationships become crucial.

Firstly, communication is essential to establish trust and understanding between both parties. A manager who listens to their employees' concerns and provides regular feedback on their performance can foster a positive relationship. Secondly, recognition and reward for excellent performance can increase motivation and job satisfaction. Thirdly, career growth opportunities and the chance to learn new skills are important to high-performing employees who seek personal development. Finally, a positive work culture and a healthy work-life balance can contribute to employee satisfaction and loyalty. Therefore, employers need to focus on these factors to maintain their high-performance workforce.

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The value of GDP is 1000 million (£1000 million) in this scenario.

To calculate the value of GDP (Gross Domestic Product), we need to sum up all the components of expenditure in the economy, which are consumption (C), investment (I), government spending (G), and net exports (X - IM).

GDP = C + I + G + (X - IM)

Given the values:

C = 600 million

I = 200 million

G = 200 million

X = 300 million

IM = 300 million

We can substitute these values into the equation:

GDP = 600 + 200 + 200 + (300 - 300)

Simplifying further:

GDP = 600 + 200 + 200 + 0

GDP = 1000

Therefore, the value of GDP is 1000 million (£1000 million) in this scenario.

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A bond that can be exchanged into a predetermined number of common stock shares of the firm at the discretion of the bondholder is called a convertible bond.

Convertible bonds provide the bondholders with the option to convert their bond investments into a specified number of shares of the issuing company's common stock. This conversion feature offers the bondholders the potential to participate in the future growth and success of the company beyond the fixed interest payments provided by traditional bonds. The conversion ratio determines the number of shares that can be obtained per bond, and the conversion price specifies the price at which the conversion can occur. Convertible bonds offer investors flexibility and the opportunity to benefit from favorable movements in the company's stock price.

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Ethical exchanges between sellers and buyers should always result in both parties to the exchange being better off after a transaction.  So, the correct option is D.

An ethical exchange is a transaction where both the buyer and seller act with integrity and honesty and make fair and transparent deals. It is essential for both parties to benefit from the transaction, rather than one party profiting at the expense of the other.

Strategic alliances (Option A) are formed to achieve long-term goals and are not directly related to ethical exchanges. Similarly, offering products and services at cost (Option B) may be a good business strategy but does not necessarily mean that the exchange is ethical.

Lastly, getting the product for the best price at the expense of the seller (Option E) is not ethical as it harms the seller's profitability. Therefore, it is crucial for buyers and sellers to engage in ethical transactions that lead to mutual benefits and respect. Thus, the correct answer to the given question is option D.

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False. Aggregating products or services together can actually improve forecast accuracy in certain cases.

By combining similar products or services into groups, the inherent variations and uncertainties associated with individual items can be smoothed out, resulting in more accurate forecasts at the aggregate level.

This is known as aggregate forecasting or demand planning. However, it is important to note that the effectiveness of aggregation in improving forecast accuracy can vary depending on the nature of the products or services being aggregated and the specific forecasting methods employed.

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Audit firm to be rotated every given period is the correct understanding statement of auditors’ rotation. Thus, option B is correct.

Auditors' rotation generally refers to the practice of audit firms that will rotate or change over a period of time, and it is also responsible for conducting the external audit of a company regularly. This will give independence and objectivity to the firm to make profits potentially.

This Auditors' rotation also reduces the long-standing commitments between the audit firm and the buyer, which further leads to conflicts between the client and the firm. Rotation may also vary among jurisdictions and professional standards.

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Option (c), The emerging pattern for franchise companies is a networked system.

A networked system is characterized by interdependent entities that work together towards a common goal. In the case of franchise companies, this means that the franchisee and franchisor have a mutually beneficial relationship where both parties contribute to the success of the business. This system allows for a decentralized approach where individual franchisees have the autonomy to run their businesses while still adhering to the overall brand standards set by the franchisor. This results in a more efficient and adaptable system as franchisees can respond to local market needs while still benefiting from the larger network of support and resources provided by the franchisor. Overall, a networked system is a strategic choice for franchise companies as it allows for both flexibility and unity in achieving business success.

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Option (c), All of the above addresses except 1551 are legal and can be accessed by the program.

In computer architecture, the base and limit registers are used to define a memory region that a program can access. The base register holds the starting address of the region, while the limit register holds the size of the region.

In this case, the base register holds the value 1200, which means that the memory region starts at address 1200. The limit register holds the value 350, which means that the memory region is 350 bytes in size.

Now, we can check if each of the given addresses is within the memory region:

- 355 is within the memory region, because it is greater than or equal to 1200 and less than 1550 (which is 1200 + 350).
- 1200 is the starting address of the memory region, so it is obviously within the region.
- 1551 is outside of the memory region, because it is greater than the limit of 1550.

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Interest rates and bond prices generally move in opposite directions.

Interest rates and bond prices have an inverse relationship. When interest rates rise, the prices of existing bonds decrease, and when interest rates fall, the prices of existing bonds increase. This inverse  is due to the fact that bond prices are influenced by the prevailing interest rates in the market.

When interest rates increase, newly issued bonds will offer higher yields to attract investors, making existing bonds with lower yields less attractive. As a result, investors are willing to pay less for existing bonds, causing their prices to decrease.

Conversely, when interest rates decrease, newly issued bonds will offer lower yields, making existing bonds with higher yields more desirable. Investors are willing to pay more for existing bonds, leading to an increase in bond prices.

Therefore, interest rates and bond prices generally move in opposite directions as they have an inverse relationship.

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1. For the first transaction, on May 1, Harris purchased parts from a Japanese company for $6,000, to be paid on June 20. The entry on May 1 would be a debit to Parts Inventory and a credit to Accounts Payable for $6,000.

2. For the second transaction, on July 1, Harris sold products to a Brazilian customer for $10,400, to be received on August 10. The entry on July 1 would be a debit to Accounts Receivable and a credit to Sales Revenue for $10,400.

1. On May 1, Harris purchased parts from a Japanese company for $6,000, to be paid on June 20. Since the transaction is denominated in U.S. dollars, there is no need for currency conversion. The entry on May 1 would involve debiting the Parts Inventory account for $6,000 to increase the inventory value, and crediting the Accounts Payable account for $6,000 to reflect the liability to be paid later.

2. On July 1, Harris sold products to a Brazilian customer for $10,400, to be received on August 10. As the transaction is in U.S. dollars, no currency conversion is required. The entry on July 1 would involve debiting the Accounts Receivable account for $10,400 to record the increase in the amount owed by the customer, and crediting the Sales Revenue account for $10,400 to recognize the revenue earned from the sale.

It is important to note that the detailed entries mentioned above assume the transactions are denominated in U.S. dollars and do not involve any currency conversion. If there were currency conversions involved, additional entries would be required to account for the exchange rate differences. However, based on the given information, no such conversions are needed.

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The price elasticity of supply of the good is approximately 0.35.

Price elasticity of supply measures the responsiveness of the quantity supplied of a good to changes in its price. It is calculated as the percentage change in quantity supplied divided by the percentage change in price. In this case, the quantity supplied of the good increases from 95 to 100, which is a change of 5 units. The price of the good rises from $11.00 to $13.50, which is a change of $2.50.

To calculate the percentage change in quantity supplied, we divide the change in quantity (5 units) by the initial quantity (95) and multiply by 100. This gives us a percentage change of approximately 5.26%. To calculate the percentage change in price, we divide the change in price ($2.50) by the initial price ($11.00) and multiply by 100. This gives us a percentage change of approximately 22.73%. Finally, we divide the percentage change in quantity supplied (5.26%) by the percentage change in price (22.73%) to calculate the price elasticity of supply. The result is approximately 0.35.

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The increase in subscribers for the GoPro Plus subscription service in 2020 is a positive sign for marketers. It means that there is a growing demand for the product and that consumers are finding value in the service. This increase of 70 percent in subscribers shows that the marketing efforts for the product have been successful and that customers are willing to invest in the service.

This increase in subscribers can also provide insights for marketers on the importance of providing a subscription service to consumers. Consumers value the convenience and accessibility of subscription services, as they offer a continuous stream of benefits, such as discounts, exclusive content, and early access to new products. Marketers can use this information to create subscription services that cater to their target audience's needs, while also providing a sustainable revenue stream for their business. Furthermore, this increase in subscribers indicates that GoPro is building a loyal customer base. Customers who invest in a subscription service are more likely to continue using the product and become long-term customers. This customer loyalty is essential for businesses as it can lead to increased revenue, positive brand recognition, and word-of-mouth marketing.
In conclusion, the increase in subscribers for the GoPro Plus subscription service in 2020 is a positive sign for marketers. It shows that there is a growing demand for the product and that consumers are finding value in the service. Marketers can use this information to create subscription services that cater to their target audience's needs, build customer loyalty, and provide a sustainable revenue stream for their business.

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An offer can be accepted in a few different ways. One common way is through express acceptance, where the offeree clearly and unambiguously accepts the terms of the offer. Another way is through implied acceptance, where the offeree accepts the offer through their actions rather than explicitly stating acceptance.

The mirror image rule is a principle in contract law that states that the terms of the acceptance must match the terms of the offer exactly. If the acceptance contains any additional or different terms, it is not considered a valid acceptance and instead is seen as a counteroffer.

For example, if Company A offers to sell 100 units of a product to Company B for $10 per unit, and Company B responds by saying they accept but want a discount of $1 per unit, this is not a valid acceptance because it contains a different term than the original offer. Instead, it is seen as a counteroffer, which Company A can choose to accept or reject.

Overall, it is important to ensure that the acceptance of an offer is clear and unambiguous and that the terms of the acceptance match the terms of the original offer exactly to avoid any issues or disputes.

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The least helpful option when it comes to determining the cause-and-effect relationship between a cost and a chosen cost driver is a contractual agreement (option B).

This is because a contractual agreement is a pre-determined agreement between two parties and may not necessarily reflect the actual relationship between the cost and the cost driver.

On the other hand, options A, C, and D can be helpful in determining the cause-and-effect relationship. Option A, a regression with a positive slope, can help identify a correlation between the cost and the cost driver, indicating a possible cause-and-effect relationship. Option C, knowledge of operations, can provide insight into how the cost and the cost driver are related in the company's specific context. Finally, option D, an observed physical relationship between the driver level and the cost, can provide evidence of a causal relationship between the cost and the cost driver.

Therefore, while all options should be considered, option B, a contractual agreement, is the least helpful when it comes to determining the cause-and-effect relationship between a cost and a chosen cost driver.

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The growing interest in workplace spirituality is driven by various factors. However, it is important to note that the question asks for reasons for the growing interest except for one. Therefore, one of the reasons for the growing interest in workplace spirituality may not be applicable.

The workplace spirituality has gained attention due to several reasons. One of these reasons could be the desire for work-life balance, where individuals seek a sense of purpose and meaning beyond monetary rewards. Another reason could be the recognition that employees' well-being and satisfaction are essential for organizational success. Moreover, workplace spirituality has been linked to improved employee engagement, creativity, and overall performance. It can also serve as a coping mechanism for employees in times of stress and uncertainty. Additionally, organizations are realizing that fostering a spiritually fulfilling workplace can attract and retain talented individuals and enhance their reputation as an employer of choice. However, without specific information on the options given in the question, it is not possible to identify the reason that does not contribute to the growing interest in workplace spirituality.

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The statement suggests that while it is not sustainable for economies to continuously accumulate high levels of debt, during recessions, expansionary policies can be successful in reducing long-term debt.

By implementing policies that stimulate economic growth, such as investing in infrastructure, governments can create employment opportunities and generate higher tax revenues. This approach allows resources that would have otherwise remained idle to be utilized, enabling private debtors to pay down their debts. The argument challenges the notion that debt cannot be a solution for debt, highlighting the potential benefits of using borrowed money for productive purposes that contribute to economic growth and debt reduction simultaneously.

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The model that best suits the age-earnings profiles of male high school graduates, between Model 1: earnings = αHS + βHSage + ε and Model 2: earnings = αHS + βHSage + γHsage2 + ε, is Model 2: earnings = αHS + βHSage + γHsage2 + ε.

The sign that we expect for α, β, and γ is as follows:α: This represents the intercept and is positive. Since the earnings of people who are just starting their careers would always be above zero, this is the case.b: This variable is the coefficient for the first-degree term in the model and is expected to be positive.

Earnings are expected to increase as a result of age because experience is supposed to be a positive influence on earnings.γ: This is the coefficient of the second-degree term and is expected to be negative. As a person ages, their earnings growth rate is expected to slow or level off.

As for the comparison of the coefficients αHS with Bus and βcollege, and γHS and αcollege, we cannot do this because the given terms are unclear.

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Krisha manages a small sales team at a candle company. to motivate the team toward achieving organizational objectives, she promises a raise to the person with the best sales numbers. this relates to the management function of motivation.

Motivation is the process of encouraging and inspiring individuals to work towards achieving organizational objectives. By offering a raise as a reward, Krisha is incentivizing her sales team to work harder and achieve better sales numbers. This will not only help the company achieve its goals but also increase the morale and motivation of the sales team. As a manager, it is important to understand what motivates your employees and to use that knowledge to inspire them to perform at their best.

By using rewards and recognition as motivators, managers can create a positive work environment and encourage employees to work towards achieving both individual and organizational objectives. Overall, Krisha's promise of a raise exemplifies effective motivation as a key management function.

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A warehouse serves multiple purposes, including functioning as a consolidation point, break-bulk point, and storage point. Each of these roles contributes to efficient supply chain management and storage of goods.

A warehouse is a facility that, together with storage racks, handling equipment, personnel and administrative resources, allows you to control the difference between the incoming flow of goods (from suppliers, production centers, etc.) and the outgoing flow of goods (merchandise). production schedule, sales schedule, etc. will be sent). These flows are typically unregulated, which is one reason why securing storage facilities is important.

The purpose of a warehouse is to serve as a storage point for goods. However, it can also serve as a consolidation point where multiple shipments are combined into one larger shipment for transportation, or as a break-bulk point where a larger shipment is broken down into smaller shipments for distribution.
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The breakeven inflation rate refers to the level of inflation that would result in an investor earning a zero real return on a particular investment.

In other words, it is the point at which the nominal return on an investment, adjusted for inflation, is equal to zero. The breakeven inflation rate is represented by the blue line on the FRED -10-Year Breakeven Inflation Rate -Market Yield on U.S. Treasury Securities at 10-Year Constant Maturity chart. On the other hand, the Fisher formula is used to calculate the nominal interest rate necessary to compensate an investor for inflation and the opportunity cost of investing their money. The Fisher formula is calculated as the sum of the real interest rate and the expected inflation rate.
Therefore, the breakeven inflation rate (blue line) is equivalent to the expected inflation rate in the Fisher formula. This is because the breakeven inflation rate represents the level of inflation at which an investor would earn a zero real return, meaning that the nominal return would be equal to the expected inflation rate.

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The Telemarketing Sales Rule prohibits calls made to consumers who have specifically asked a mortgage professional not to contact them, and to consumers not listed on the Do-Not-Call Registry, The correct answers are B and C.

The Telemarketing Sales Rule (TSR) is a regulation in the United States that sets certain rules and restrictions on telemarketing calls. Among the provisions of the TSR, the following restrictions apply:

(B) Calls made to consumers who have specifically asked a mortgage professional not to contact them: This is because consumers have the right to request not to be contacted, and telemarketers must respect their wishes.

(C) Calls made to consumers not listed on the Do-Not-Call Registry: Telemarketers are generally prohibited from calling consumers who have registered their phone numbers on the National Do-Not-Call Registry

Calls made to customers who established a business relationship within the last 12 months are generally allowed and Calls made after 8:00 a.m. or before 9:00 p.m. are not prohibited but rather must be made within this time frame.

In summary, the correct options based on the TSR are B and C.

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