In the United States, the Franklin Health Assurance Company of Massachusetts was the first commercial insurance provider to offer private health care coverage for accidents that did not end in death.
The first written records that have survived have references to insurance. Approximately 4,000 years ago, in 1750 BC, the Code of Hammurabi, which describes insurance plans for traders on the high seas, was written. Chinese traders who traveled the world's dangerous seas purchased "oeinsurance" from businesses to guard against the possibility that their boat might capsize and they would lose their priceless cargo. Insurance of some type has existed since ancient and medieval times, though it wasn't always the flourishing industry that it is today.
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which social class has low incomes and minimal education, may be unemployed for long periods of time, and is the major recipient of government support and services provided by non-profit organizations?
Lower- lower class social class has low incomes and minimal education, may be unemployed for long periods of time, and is the major recipient of government support and services provided by non-profit organizations.
Lower- lower social classLower class in the US often refers to a group of people who earn meager hourly wages. Workers in the service sector, manual laborers, and the working poor could all be categorized as belonging to the lower class.
Working class is a more acceptable way to refer to this low-paid population; lower class may insult some individuals. Although there are several methods to categorize people according to their level of income, some estimates place the lower class at roughly 25% of all Americans. Unemployment is a problem for certain lower-class people.
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Which marketing orientation assumes people will buy more goods and services if aggressive marketing techniques are used? sales production market customer
The marketing orientation that assumes people will buy more goods and services if aggressive marketing techniques are used is sales.
Sales and marketing are two business disciplines that have an impact on lead creation and income. Sales refer to all actions that result in the selling of goods and services. And marketing is the process of generating interest in the goods and services for sale.Marketing is concerned with getting the product from the company to the market (through product launches and awareness campaigns), whereas sales is concerned with getting the product from the market to the client. Sales is concerned with the needs of the organization, whereas marketing is concerned with the needs of the market.Assuming no new legislation will effect your industry in the next six months, assuming a price will remain constant, or assuming your customers will want the new product you are releasing are all examples of marketing assumptions.Thus this is the meaning of sales.
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In "thinking like an economist," the section "the role of economic theory" states that many economists believe that useful insights into our behavior can be gained by assuming that we act as if governed by the rules of___________ decision making.
The fill in the blanks is Rational decision making
Making rational decisions is crucial since it enables you to find a solution to a problem you're currently encountering or a strategy to approach a new opportunity by assisting you in forming an unbiased stance. A decision is considered rational if it tends to maximize the likelihood of reinforcement. When a decision is irrational, an organism makes a worse than ideal decision (i.e., it chooses an alternative that results in a lower probability of reinforcement). Thinking logically entails recognizing your emotions and comprehending the reasons behind them. Examples include, "I feel upset because my ideas are being rejected," or "I feel frustrated because my voice isn't being heard."
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Research that distributes _____ and _____ equally to participants without prejudice is just.
Ethical research distributes benefit and risk equally to participants without prejudice is just.
Research ethics is the application of fundamental ethical principles to research activities such as research design and implementation, respect for society and others, use of resources and research outputs, scientific misconduct, and research regulation.
There are several reasons why research ethics are important.
They advance research goals such as knowledge expansion.They promote collaborative work values such as mutual respect and fairness. This is critical because scientific research requires collaboration among researchers and groups.They imply that researchers can face consequences for their actions. Many researchers are funded by the government, and regulations governing conflicts of interest, misconduct, and research involving humans or animals are required to ensure that funds are spent wisely.They ensure that the public can have faith in research. People must believe in research in order to support and fund it.They advocate for important social and moral values, such as the principle of not causing harm to others.Learn more about research ethics here:
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the market price of pizzas in a college town increased recently, and the students in an economics class are debating the cause of the price increase. some students suggest that the price increased because several pizza parlors in the area have recently gone out of business. other students attribute the increase in the price of pizzas to a recent increase in the price of hamburgers at local burger joints.
There is a same product and a substitute, the closure of other pizza shop is the same product and the hamburgers are substitute to pizza.
What is a Substitute?Substitute is the similar nature of product, it is not the same product as the original product but the nature of satisfaction the product provides is the same and the product can be used as a substitute.
The increase in the prices of pizza in a college can be due to both the effects as both the products are same and substitute to the product. The closure of the pizza parlors provide the opportunity to the remaining pizza sellers as the only available option and being a monopolist in the area for pizzas.
Increase in the price of hamburgers at local shop is also a factor due to which the prices are increased because the substitute is also expensive so the consumer would pay more for the pizza as well if paying more for hamburger.
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the amount of a particular good or service that buyers in a market will purchase at a given price during a specified period is called:
The amount of a particular good that buyers in a market will purchase at a given price during a specified period is called quantity demanded.
What Is Quantity Demanded?
In economics, the word "quantity demanded" refers to the overall amount of an item or service that consumers demand over a specific period of time. Regardless of whether a market is in equilibrium, it is dependent on the cost of an item or service. The demand curve, or simply the demand, is the relationship between the quantity demanded and the price. The elasticity of demand refers to how much the amount sought varies in relation to price.
Change in Demanded Quantity
A change in the exact quantity of a product that customers are willing and able to purchase is referred to as a shift in the quantity demanded. A change in pricing is what led to this shift in the quantity demanded.
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Growing rice requires extensive irrigation in california. economists consider water to be a ______ for rice farmers in california.
Water is used by farmers to weed, develop seedlings in nurseries, germinate rice seed, and prepare their land for planting.
What are nurseries?Plants are propagated and cultivated to the proper size in nurseries. Instead of being used for agriculture, the plants in question are mostly used in gardening, forestry, or conservation biology.
Nursery: A location where plants are raised for sale, for transplantation, or as stock for grafting and budding. Woody and herbaceous plants, including ornamental trees, shrubs, and bulb crops, are produced and distributed by commercial nurseries.
Since a newborn doesn't need much space until they can walk, the smallest bedroom in the house is typically designated as the nursery, with the assumption that the space will be used nearly solely for sleeping.
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one of the of data warehouses is their ability to provide access and analysis of information from a variety of subject areas.
One of the advantages of data warehouses is their ability to provide access and analysis of information from a variety of subject areas.
What exactly does "data warehouse" mean?A data warehouse is a central collection of data that can be examined to help decision-makers become more knowledgeable. Transactional systems, relational databases, and other sources all regularly and continuously feed data into a data warehouse.
A data management system called a data warehouse is intended to support and allow business intelligence (BI) activities, particularly analytics. Data warehouses frequently have a lot of historical data and are only meant to be used for queries and analysis.
Therefore, one of the advantages of data warehouses is their ability to provide access and analysis of information from a variety of subject areas.
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The process by which consumers filter information to limit it to what they want to see is called selective ______.
The process by which consumers filter information to limit it to what they want to see is called selective perception.
What is selective perception?
Individuals engage in a process known as selective perception in which they only take in the information they want to while dismissing conflicting opinions. The behavior that all people display to have a tendency to "see things" based on their unique frame of reference is broadly referred to by this phrase.
It also explains how humans prioritize one category or interpretation above another when classifying and interpreting sensory input. As a result of our tendency to perceive information in ways that are consistent with our values and views, selective perception can be seen of as a sort of bias. This procedure, according to psychologists, is automatic.
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Medium to large businesses, or those with large data-storage needs, are more likely to use microsoft sql server or oracle as their dbms. true false
Oracle or Microsoft SQL Server are more likely to be used as dbms by medium-sized to large enterprises, or those with significant data-storage requirements.
A relational database management system created by Microsoft is called Microsoft SQL Server. It is a piece of software known as a database server, and its main job is to store and retrieve data when other software programmes need it. These other software programmes could be running on the same computer or on a different computer on a different network (including the Internet). Microsoft sells at least a dozen different versions of Microsoft SQL Server, each targeted at a different market and suitable for a variety of workloads, from modest single-machine programmes to massive Internet-facing programmes with numerous concurrent users. The original Microsoft SQL Server product, SQL Server 1.0, a 16-bit server for the OS/2 operating system, was released in 1989, and the history of Microsoft SQL Server goes all the way up to the present. Being server software, its name is perfectly descriptive.
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the actions that firms in an industry must perform in the process of designing, manufacturing, and providing customer service are called
The actions that firms in an industry must perform in the process of designing, manufacturing, and providing customer service are called value chain.
What is firm?
The term firm refers to the company as are main motive to earn profit with increases the sales. The firm are involved in the partners, owner, employees, and workers.
The action of the firm as value chain as perform the process refer to the designing, acquisition, assembled, manufacturing, distribution, sales, and customer services.
As a result, the firm is the basis of the function as the value chain.
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sheldon has a $15,000 liability for a machine that has an interest rate of 10%. the interest expense for one year is?
For a machine with a 10% interest rate, Sheldon owes $15,000. The annual interest expense is $1500.
Lenders assess interest to borrowers as a proportion of the principal, or loaned amount. The typical unit for expressing a loan's interest rate is the annual percentage rate, or APR (APR).
The amount earned from a savings account or certificate of deposit at a bank or credit union may also be subject to interest rates (CD). Interest on these bank accounts is interest rate calculated as an annual percentage yield (APY).
The borrower is essentially charged interest rate for the usage of the asset. Cash, consumer goods, vehicles, and real estate are all examples of lent assets. As a result, an interest rate can be viewed as the "cost of money" because it increases the cost of borrowing the same amount of money.
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Answer:
$1,500
Explanation: Assuming that Sheldon borrowed $15,000 to purchase the machine, he would have a liability to pay back the loan amount plus the interest charged on the loan. The interest rate of 10% represents the annual rate charged on the loan amount.
To calculate the interest expense for one year, we can use the following formula:
Interest expense = Principal x Rate x Time
Where:
Principal: The amount of the loan ($15,000 in this case)
Rate: The interest rate (10%)
Time: The time period for which interest is charged (1 year)
Plugging in the numbers, we get:
Interest expense = $15,000 x 0.10 x 1 = $1,500
Therefore, Sheldon's interest expense for one year would be $1,500. This means that if he takes a year to pay back the loan, he would have to repay a total of $16,500 ($15,000 principal + $1,500 interest).
What is the opportunity cost of holding $ in cash if the relevant interest rate is percent?
If the interest rates rise, this opportunity cost will [increase/decrease/remain unchanged], and individuals will hold [smaller/larger/the same amount] of cash.
What is interest rates?The amount a lender charges a borrower is known as the interest rate, which is expressed as a percentage of the principal, or the lent amount. Usually, a loan's interest rate is expressed as an annual percentage rate, or APR (APR).
The amount earned from a savings account or certificate of deposit at a bank or credit union may also be subject to an interest rate (CD). The interest accrued on these deposit accounts is measured in annual percentage yields (APY).
The sum that a lender charges a borrower for the use of assets in addition to the principal is known as the interest rate.
The money earned from a deposit account at a bank or credit union also carries an interest rate.
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Jake is an excellent barber. however, all customers who come to him for a haircut must buy a bottle of shampoo. this type of arrangement is known as?
Jake is an excellent barber. however, all customers who come to him for a haircut must buy a bottle of shampoo. this type of arrangement is known as a tie-in sale.
What is a tie-in sale?When a business makes a conditional offer to sell a good or service only if the consumer also buys another good or service, this is known as tied selling, which is illegal.
The Federal Trade Commission (FTC) and the U.S. Department of Justice both deal with "tied-in" selling and "linked" items in the United States (DOJ).
By requiring purchasers to additionally purchase a second ("tied") good, this may restrict consumer choice for those looking to buy just one ("tying") product.
Usually, the "tied" product is a less desirable one that the customer would rather acquire from another vendor or would not purchase until forced to.
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Evidence quality relates to the concept of and evidence quantity relates to the concept of?
Evidence quality relates to the concept of appropriateness and evidence quantity relates to the concept of sufficiency.
The auditor must plan and carry out audit procedures in order to obtain sufficient appropriate audit evidence to support his or her opinion.
The quantity of audit evidence is measured by sufficiency. The following factors influence the amount of audit evidence required:
Risk of material misstatement (in financial statement auditing) or risk associated with control (in the audit of internal control over financial reporting). As the risk increases, so should the amount of evidence obtained by the auditor. In most cases, more evidence is required to respond to significant risks.The audit evidence obtained was of high quality. The need for additional corroborating evidence decreases as the quality of the evidence improves. Obtaining more of the same type of audit evidence, on the other hand, cannot compensate for its poor quality.Appropriateness is a quality indicator of audit evidence, indicating its relevance and dependability. Audit evidence must be both relevant and reliable in order to support the conclusions on which the auditor's opinion is based.
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What is the effective annual interest rate on a 9 pr automobile loan that has monthly payments?
The powerful annual interest fee on a 9 pr car loan that has monthly bills A) 10.94%
The components and calculations are as follows: effective annual interest fee = (1 + (nominal fee / range of compounding durations)) ^ (number of compounding periods) - 1. For investment A, this would be: 10.forty seven% = (1 + (10% / 12)) ^ 12 - 1. And for investment B, it might be: 10.36% = (1 + (10.1% / 2)) ^ 2 - 1.
The annual interest fee refers back to the fee this is performed over a duration of three hundred and sixty-five days. hobby costs may be carried out over specific periods, which encompass monthly, quarterly, or bi-yearly. but, in maximum instances, interest charges are annualized.
A credit rating card's interest fee is the rate you pay for borrowing cash. For credit score playing cards, the interest fees are typically said as an each-12 months rate. that is known as the once-a-year percent charge (APR). On most cards, you may avoid paying interest on purchases if you pay your stability in complete every month thru the due date.
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True or false: prices tell entrepreneurs which areas of the economy they may profitably expand into.
Prices let business owners know which products consumers want and which ones they don't.
Prices therefore provide information to business owners about which sectors of the industry they might like to develop into and others they are more likely to lose money in. True. consumers The entrepreneur will see that it is not practical to open up shop in a particular location if prices are either too high or too low to satisfy a desired profit level. They might conclude that it would take too long or produce too much instability. Prices let business owners know which products consumers want and which ones they don't. Prices therefore provide information to business owners about which sectors of the industry they might like to develop into and others they are more likely to lose money in.
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What is the name of the organization to which most playwrights belong and that seeks to protect the rights of playwrights by establishing professional and contractual standards for its members?
The Dramatists Guild of America is the name of the organization to which most playwrights belong and that seeks to protect the rights of playwrights by establishing professional and contractual standards for its members.
What is the significance of protection of rights?Protection of rights can be referred to or considered as the attempts made by an organization or an association in order to maintain the rights that the members of such organization possess.
In case of protections of rights for its members involved in producing playwrights, compositions, and music, The Dramatists Guild of America looks after the maintenance of the same.
Therefore, the significance regarding protection of rights has been aforementioned.
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according to w. edwards deming, "you are not obliged to manage quality. you can also choose to go out of business."
The statement "according to W. Edwards Deming, "you are not obliged to manage quality. you can also choose to go out of business." this is true
This is further explained below.
What is business?Generally, A person may earn a livelihood or make money via the practice of running a business, which entails the production of goods as well as their purchase and sale.
Additionally, it refers to "any activity or company that is engaged in for the sake of profit."
It is generally agreed that Deming was either one of the Founding Fathers of Total Quality Management or the Founding Father of the field altogether.
Deming is primarily credited as being the driving force behind the change in Japanese industrial management that occurred throughout the 1970s and 1980s, which resulted in an economic miracle.
In conclusion, The statement that "according to W. Edwards Deming, "you are not bound to regulate quality."
Additionally, you have the option of closing down your organization." This is right.
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Complete Question
according to w. edwards deming, "you are not obliged to manage quality. you can also choose to go out of business."
true or false
evelops or improves gaap through a transparent process that often involves publicanswer meetings, public comment solicitation, and public hearings.
Diverse stakeholder groups come together in public hearings with a common goal in mind. Public gatherings are arranged to involve a large audience in knowledge exchange and discussion.
They can be used to raise public awareness of a problem or proposition and serve as a catalyst for or continuous method of encouraging greater participation from the general public hearings. They aid in creating a sense of community when done effectively.
Virtually any number of people can attend meetings, which can be utilized for anything from information sharing to consensus building. public hearings are common and well-known means for people to come together to voice their thoughts, hear a public speaker or a plan that has been suggested, share knowledge about a subject, or collaborate to find solutions. There is no set script or agenda that public meetings must adhere to. They can be created to specifically address the requirements of the project, agency, and stakeholders.
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a 10% increase in income leads to a 15% decrease in the quantity of macaroni and cheese demanded but no change in the price of macaroni and cheese. from this information, we can assume:
If a 10% increase in income leads to a 15% decrease in the quantity of macaroni and cheese demanded but no change in the price of macaroni and cheese. from this information, we can assume: . macaroni is an inferior good and price elasticity of supply is infinite.
What are inferior goods?Inferior goods can be defined as those goods in which the demand for those goods decrease when the income increase.
Based on the scenario macaroni is consider an inferior goods because the price still remain the same while price elasticity of supply is infinite.
Therefore If a 10% increase in income leads to a 15% decrease in the quantity of macaroni and cheese demanded but no change in the price of macaroni and cheese. from this information, we can assume: . macaroni is an inferior good and price elasticity of supply is infinite.
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If your firm enters into an overnight reverse repurchase agreement, your firm is?
Correct option is (E) None of the above
A reverse repurchase agreement involves the acquisition of securities with the intention of selling them at a higher price at a later period.
What is Reverse Repurchase Agreement ?
A reverse repurchase agreement, sometimes known as a "reverse repo," is the acquisition of securities with the intention of selling them at a better price at a later date.
It is a repurchase agreement (RP) or repo for the party selling the securities (and agreeing to repurchase it in the future). It is a reverse repurchase agreement (RRP) or reverse repo for the party on the other end of the transaction (purchasing the security and committing to sell it later).
Firms, such as lending institutions or investors, frequently use reverse repos to lend short-term funds to other businesses experiencing cash flow challenges. In essence, the lender purchases a business asset, such as equipment or shares in the seller's company, and then sells the item at a later date for a greater price.
Reverse repos are used by central banks to increase the money supply through open market activities.
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Complete Question :-
If your firm enters into overnight reverse repurchase agreement your firm is
A. borrowing Fed funds temporarily.
B. selling a security now while agreeing to buy it back tomorrow.
C. giving an unsecured loan to the counterparty.
D. procuring a banker's acceptance.
E. none of the options
All else equal, the lower the price, the ________ the consumer surplus and the ________ the producer surplus.
All else equal, the lower the price, the above the consumer surplus and the below the producer surplus.
What is surplus?To lA surplus is the portion of an item or resource that is not actively being used. A surplus can relate to a variety of items, including income, wages, capital, and goods. In the context of inventories, things that are still on store shelves but have not yet been purchased are referred to as a surplus.
When income is earned and costs are covered, the budget's structure has a surplus. Governments may have a budget surplus if there are still tax revenues left over after all government programs have been paid for in full.
An asset is considered to have a surplus when there is more of it than is being utilized.
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If a person has atm fees each month of $23 for 9 years, what would be the total cost of those banking fees?
If a person has ATM fees each month of $23 for 9 years, the total cost of those banking fees would be $1,296.
What are banking fees?Bank fees are any costs that financial institutions charge for opening, maintaining, and performing minor transactions for their personal and business clients. These fees could be assessed once or repeatedly. In order to generate revenue, banks levy fees. Financial institutions can recover operating costs through bank fees. By charging interest and other fees on loans, banks can also profit. A bank will charge you a monthly maintenance fee (also known as a monthly service fee) in exchange for your business. Each month, the cost is often automatically deducted from your account. You may be required to pay the fee in some circumstances. However, a lot of institutions may let you avoid the charge if you meet certain criteria.
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melton's door company pays rent on the building facilities of $5,000 on may 1. show how to record this transaction in the accounting equation of melton's door company. multiple choice question. rent expense will be decreased. rent expense will be increased. cash will be increased.
The recording of the transaction in the accounting equation of Melton's door company implies that rent expense will be increased
What is an accounting equation?
The accounting equation indicates that the total assets at the disposal of Melton's door Company ate funded by a combination of its equity capital and liabilities(external funding), as a result, our task in this case is to determine the impact of the rent on building facilities paid on the accounting equation of the company.
Without mincing words, the rent means that the expense of the company has increased, it would be effected by showing an increase in the rent expense, which in turn decreases the equity balance in the accounting equation, in the same, cash would reduce since a portion of it is paid out as rent.
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A car company is testing a new type of tire. They want to determine the average stopping distance in light rain, light snow and dry conditions. They test out tires on four randomly selected cars from the lot. They want to know if the stopping distance is significantly different under the three conditions. What is the factor?.
Road conditions is the factor
the distance required for a driver to stop a car completely and safely. The distance a vehicle travels after the driver applies the brakes until it actually comes to a complete stop is known as the braking distance. To protect the safety of drivers, passengers, and pedestrians when Total Stopping Distance is raised, drivers must modify their driving style. The distance a vehicle will travel between when its brakes are completely engaged and when it comes to a complete stop is referred to as the braking distance. Your braking distance is the distance it takes your car to stop completely after you first use the brakes.
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margo has found her dream house. it’s listed at $370,000, and she plans to offer $365,000. she has a letter from her lender stating that she’s been pre-approved for a maximum $375,000 loan. why should she ask her lender to re-write the pre-approval letter? unset starred question
By providing the letter with her maximum loan amount Margot risks reducing her negotiating ability
This is further explained below.
What is a pre-approval letter?Generally, A letter from a lender that states that the lender is willing to lend to you in the event of prequalification or preapproval is a document that states the lender is willing to lend to you up to a particular loan amount.
This is not a guaranteed loan offer, and the document that you are looking at is based on certain assumptions.
In conclusion, Margot runs the risk of decreasing her capacity to negotiate by diminishing her leverage by submitting the letter with the maximum loan amount.
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______, or when the family faces a major shift or adjustment in a family life stage or in family composition, is/are particularly stressful for families.
Transitional periods, or when the family faces a major shift or adjustment in a family life stage or in family composition, is/are particularly stressful for families.
The departure of a child from the family is another crucial turning point for parents. Long-held positions must alter, and the focus must be put back on other people or activities. During this time of transition, parents' interactions with their children frequently shift. Parents may have the chance to reevaluate their devotion to and sentiments for one another as a result. Unresolved relationship issues may need to be resolved as the "hard realities" about the partnership may come to light. To make their relationship more fulfilling in the years to come, some parents may put extra effort into it. However, it is not unusual for parents to divorce at this time. These family changes continue to influence young people who have left home or moved on, and they may require support and assistance to cope with these changes and how they will affect their role in the family.
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If a new security issue is marketed to a definite and select group of investors (such as current stockholders, employees or customers) the issue is called?
A privileged subscription is a new security issue that is sold to a specific and limited set of investors (such as present stockholders, employees, or consumers).
Stockholder:
A stockholder is a corporation shareholder or an individual who owns at least one share of an organization's capital stock. Stockholders are the majority of the company's owners, and they often obtain the company's success in the form of increasing stock valuation. However, if the company's stock price falls, the stockholder may also suffer losses. Corporate shareholders, unlike the company's owner, are not liable for the company's debts or other financial commitments, and they do not supervise the operations.
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In the market for tacos, you observe that the equilibrium price and quantity have increased. this can be caused only by?
In the market for tacos, you observe that the equilibrium price and quantity have increased. this can be caused only by an increase in the incomes of people who eat tacos.
This is further explained below.
What is the market?Generally, A market is an economic term for the collection of the many systems, institutions, processes, social interactions, and infrastructures that enable parties to participate in trade with one another.
Although parties may engage in the trading of products and services via bartering, the vast majority of markets are predicated on sellers providing their wares or services to purchasers in return for monetary compensation.
In conclusion, You see that the equilibrium price and quantity of tacos have climbed recently, which is something that you perceive in the market. There is only one factor that could have brought about this result: a rise in the salaries of taco eaters.
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