On January 1, 2020, Coronado Industries established a stock appreciation rights plan for its executives. It entitled them to receive cash at any time during the next four years for the difference between the market price of its common stock and a pre-established price of $20 on 129000 SARs. Current market prices of the stock are as follows: January 1, 2020 $35 per share December 31, 2020 38 per share December 31, 2021 30 per share December 31, 2022 33 per share Compensation expense relating to the plan is to be recorded over a four-year period beginning January 1, 2020. What amount of compensation expense should Coronado recognize for the year ended December 31, 2020

Information overload is a rising issue for organisations all over the world, and improving employee experience is a top concern for the majority of them. The problem is that, despite the fact that information overload is a well-known issue, it appears that most firms have yet to find effective methods to address it, which is rather concerning.

Information overload in the workplace refers to the large volume of irrelevant information that circulates among employees. In today's job, it is difficult to prevent information overload. Most businesses, from start-ups to huge corporations, are experiencing information overload.

It is also critical to deliver correct and timely information. People and organizations will make poor judgements in the absence of accurate, reliable, and timely information.

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The standard deviation of pound-denominated returns is 14.43% and the standard deviation of dollar-denominated returns is 52.01%.

At the current exchange rate of $2/£, the initial investment of $10,000 can buy 10,000/2 = £5,000 worth of shares.

Possible share prices after a year are £35; £40; and £45.

After a year, these potential exchange rates: $1.80/£, $2/£, and $2.20/£

the pound-denominated return and dollar-denominated return for each of the nine outcomes

Outcome 1: Share price £35, exchange rate $1.80/£

Pound-denominated return: (£35 - £40)/£40 = -0.125 = -12.50%

Dollar-denominated return: (351.80 - 402)/40 = -0.20 = -20.00%

Outcome 2: Share price £35, exchange rate $2/£

Pound-denominated return:  -12.50%

Dollar-denominated return: -12.50%

Outcome 3: Share price £35, exchange rate $2.20/£

Pound-denominated return:-12.50%

Dollar-denominated return:-9.00%

Outcome 4: Share price £40, exchange rate $1.80/£

Pound-denominated return: 0.00%

Dollar-denominated return:  -10.00%

Outcome 5: Share price £40, exchange rate $2/£

Pound-denominated return: 0.00%

Dollar-denominated return: 0.00%

Outcome 6: Share price £40, exchange rate $2.20/£

Pound-denominated return: 0.00%

Dollar-denominated return: 10.00%

Outcome 7: Share price £45, exchange rate $1.80/£

Pound-denominated return: 12.50%

Dollar-denominated return: 30.00%

Outcome 8: Share price £45, exchange rate $2/£

Pound-denominated return:  12.50%

Dollar-denominated return: 12.50%

Outcome 9: Share price £45, exchange rate $2.20/£

Pound-denominated return:  12.50%

Dollar-denominated return: 12.50%

These are the denominated rates of return  of the nine outcomes-

Expected pound-denominated return = (-12.50 - 12.50 - 12.50 + 0.00 + 0.00 + 10.00 + 12.50 + 12.50 + 12.50)/9 = 0.00%

Expected dollar-denominated return = (-20.00 -12.50 - 9.00 - 10.00 0.00 10.00 30.00 12.50 9.00)/9 = 0.00%

The variance of the pound-denominated returns is 0.02083333, and the variance of the dollar-denominated returns is 0.27041667.

standard deviation is the root of variance

Standard deviation of pound-denominated returns = √(0.02083333) = 0.14434 = 14.43%

Standard deviation of dollar-denominated returns =√(0.27041667) = 0.52005 = 52.01%

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hics has always been an important aspect of business, but in recent years, its significance has been further highlighted by a growing number of high-profile corporate scandals and increased public scrutiny of corporate behavior. As such, many businesses and organizations are placing a greater emphasis on ethical practices and decision-making.

One of the key reasons for this increased emphasis on ethics is the recognition that ethical behavior is not only the right thing to do, but it also has a positive impact on a company's bottom line. Ethical practices can lead to improved employee morale and productivity, increased customer loyalty, and a better reputation in the community. Additionally, businesses that prioritize ethics are less likely to face legal or financial penalties for unethical behavior.

On the other hand, ethical absolutism and ethical relativism are two theories that help to explain the perspective of ethics.

Ethical absolutism is the belief that there are certain moral rules that are universally and always right or wrong, regardless of the situation or the person's culture. For example, an ethical absolutist would say that it is always wrong to lie, cheat, or steal. This theory holds that there is an objective, universal standard of morality that applies to everyone.

On the other hand, Ethical relativism holds that morality is relative to the individual or the culture, and what is considered right or wrong can vary from person to person or culture to culture. The ethical relativist would argue that lying, cheating, or stealing could be morally acceptable in certain situations or cultures. For example, a relativist would say that something that is considered right in one culture may not be right in another culture.

In conclusion, businesses and organizations are increasingly recognizing the importance of ethics, both from a moral and a business perspective. Ethical absolutism and ethical relativism are theories that help to explain different perspectives on ethics, with the former holding that there are objective moral standards that apply to everyone and the latter believing that morality is relative to individual or culture.

With regard to the composition of corporate boards in the United States, option B. About half of the directors are "outside" directors.

Corporate boards in the United States typically consist of a group of individuals responsible for overseeing the management and decision-making of a company. The composition of these boards can vary, but there are some common trends and practices.

Option A states that corporate boards average approximately 12 members. While this may be true for some companies, board sizes can vary significantly depending on the size and nature of the organization. Smaller companies may have fewer board members, while larger corporations may have larger boards to accommodate the complexities of their operations.

Option C suggests that five percent of corporate boards have at least one woman on the board. However, the representation of women on corporate boards has been a topic of discussion and a focus of efforts to improve diversity. Recent studies and reports indicate that progress has been made, and the percentage of women on boards has been increasing over time. However, the exact percentage varies among companies and industries.

Option D states that twenty-five percent of all companies have at least one minority board member. Like gender diversity, the representation of minorities on corporate boards has been a topic of concern and initiatives promoting inclusion. The percentage of companies with minority board members may vary, and efforts are being made to improve diversity in this regard as well.

Overall, it is important to recognize that the composition of corporate boards in the United States is evolving, and there is increasing recognition of the importance of diversity, including gender and minority representation. While specific percentages may vary, there is a growing emphasis on promoting diversity and inclusion in corporate governance practices. Therefore, the correct option is B.

The question was incomplete, Find the full content below:

With regard to the composition of corporate boards in the United States,

A. corporate boards average approximately 12 members.

B. about half of the directors are "outside" directors.

C. five percent have at least one woman on the board.

D. twenty-five percent of all companies have at least one minority board member.

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The selling price per pound for onions to obtain a makeup rate of 180% based on cost is $2.0350.

Total Cost = Quantity * Cost per pound

Total Cost = 1,000 pounds * $0.11/pound

Total Cost = $110

Spoilage Quantity = 3% of Quantity

Spoilage Quantity = 3% of 1,000 pounds

Spoilage Quantity = 0.03 * 1,000 pounds

Spoilage Quantity = 30 pounds

Effective Quantity = Quantity - Spoilage Quantity

Effective Quantity = 1,000 pounds - 30 pounds

Effective Quantity = 970 pounds

Makeup Rate = 180%

Selling Price per pound:

= (Total Cost * Makeup Rate) / Effective Quantity

= ($110 * 1.80) / 970 pounds

= $2.03505/pound.

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Answer:

B. command economy

Explanation:

Answer:

anyone who deems themselves a chicken and the best warrior

Explanation:

they will head to the chiken k,astle for the tasiest chicken wqarrior soup and fitght the emporor chicken gor the title chickdn warrior

The key source of the development requests likely to be generated to  Information system managers. Therefore the correct option is (D).

The Information system of Management refers to the management of the data, facts, figures or information of the system in the computer by the organizations.

According to the above scenario, The system development team is focusing on the adopting the operating environment system which is adopted by the Information system managers

Therefore the correct option is (D).

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Answer:

8.00%

Explanation:

The internal rate of return is the rate of return on the investment which gives a zero net present value.

IRR can be computed using excel IRR function as shown below:

=IRR(values)

values are the cash flows arranged from the earliest( year zero ) to the latest (year 4) as contained in the attached.

IRR=8.00%

The IRR is proven thus:

NPV=-$21,530+$6500/(1+8%)^1+$6500/(1+8%)^2+$6500/(1+8%)^3+$6500/(1+8%)^4=-$1.18(which is very close to zero)

Answer:

The equilibrium price for T-shirts is $10

Explanation:

The equilibrium price refers to the price at which the quantity demanded equals quantity supplied as an equilibrium is a point where the market demand is met by market supply at a certain price. We can see that at price $5, the market is willing to supply 0 T-Shirts while the quantity demanded at this price is 300. However, at price $10, the market is supplied with 100 T-Shirts and the quantity demanded in market at this price is also 100. Thus the market is in equilibrium when price is $10.

Answer:

A moral standard refers to the norms which we have about the types of actions which we believe to be morally acceptable and morally unacceptable. Specifically, moral standards deal with matters which can either seriously harm or seriously benefit human beings.

Explanation:

may this answer is helpful for you

Answer:

It's A and D.

Explanation:

Answer:

A D

Explanation:

Answer:

n an appraisal assignment, a hypothetical condition is used when a property is appraised under a condition that is contrary to what is known by the appraiser to exist on the effective date of the assignment results.

Explanation:

Answer:

Explanation:

Sell-side analysts mostly work for various brokerage firms hence the reason why they are too optimistic in their recommendations to buy stocks while they are also too slow to recommend sells .

And Brokerage firms will always encourage investors to buy their shares or stocks ( buy-side) instead of selling off their shares or stocks

La comunicación desempeña un papel fundamental en el funcionamiento de una organización, ya que permite la transmisión de información, ideas, instrucciones y retroalimentación entre los miembros del equipo. Existen varias formas de comunicación que se utilizan en un entorno organizacional. A continuación, describiré algunas de las formas más comunes:

Comunicación verbal: Es el uso de palabras habladas para transmitir información. Puede ser en forma de reuniones, conversaciones cara a cara, llamadas telefónicas o videoconferencias. La comunicación verbal es rápida y permite una interacción directa entre las personas, lo que facilita la clarificación de dudas y la resolución de problemas en tiempo real. Por ejemplo, durante una reunión de equipo, los miembros pueden discutir ideas, compartir actualizaciones y tomar decisiones conjuntas.

Comunicación escrita: Implica el uso de palabras escritas para transmitir información. Esto incluye correos electrónicos, mensajes de texto, informes, memorandos y documentos formales. La comunicación escrita es útil cuando se requiere un registro permanente de la información y proporciona la oportunidad de revisar y editar antes de enviar el mensaje. Por ejemplo, un gerente puede enviar un correo electrónico detallando las metas y objetivos del proyecto a su equipo para asegurarse de que todos estén al tanto de las expectativas.

Comunicación no verbal: Se refiere a la transmisión de información sin el uso de palabras. Incluye gestos, expresiones faciales, lenguaje corporal y tono de voz. A menudo, la comunicación no verbal puede transmitir emociones y actitudes que pueden complementar o contradecir el mensaje verbal. Por ejemplo, durante una presentación, el lenguaje corporal de un orador puede transmitir confianza y entusiasmo, lo que refuerza su mensaje.

Comunicación formal: Se lleva a cabo a través de canales oficiales y estructurados dentro de la organización. Esto incluye comunicaciones descendentes, como anuncios y políticas de la gerencia hacia los empleados, así como comunicaciones ascendentes, como informes de estado y retroalimentación de los empleados hacia los superiores. La comunicación formal es importante para establecer líneas claras de autoridad y responsabilidad, así como para garantizar la coherencia en la información transmitida.

Comunicación informal: Se produce a través de interacciones sociales no estructuradas entre los miembros de la organización. Esto puede incluir conversaciones informales en el lugar de trabajo, interacciones en las pausas para el café o discusiones en grupos de chat en línea. La comunicación informal es valiosa para fomentar la camaradería, construir relaciones y facilitar el intercambio de ideas no convencionales. Por ejemplo, en un entorno de trabajo abierto, los empleados pueden compartir ideas innovadoras durante una conversación informal en la sala de descanso.

La importancia de estas formas de comunicación en una organización radica en que permiten la colaboración efectiva, la toma de decisiones informada, la resolución de problemas, la coordinación de tareas y la creación de un ambiente de trabajo positivo. Una comunicación clara y efectiva evita malentendidos, reduce los errores, mejora la productividad y fortalece la cohesión del equipo.

Un ejemplo práctico podría ser una empresa de desarrollo de software. En este caso, la comunicación verbal sería esencial para que los miembros del equipo discutan los requisitos del proyecto, compartan actualizaciones diarias y resuelvan problemas en las reuniones diarias de puesta al día (stand-up meetings). La comunicación escrita sería crucial para documentar los requisitos, especificaciones técnicas y cronogramas del proyecto, así como para enviar correos electrónicos y mensajes de chat con actualizaciones y solicitudes de retroalimentación. La comunicación no verbal también tendría un papel importante, ya que el lenguaje corporal y las expresiones faciales en las reuniones ayudarían a transmitir confianza y apoyo entre los miembros del equipo. En cuanto a la comunicación formal, se utilizarían informes de estado y presentaciones formales para mantener a la alta dirección informada sobre el progreso del proyecto. Por último, la comunicación informal se daría en momentos de descanso, donde los empleados podrían discutir ideas, plantear desafíos y fomentar la creatividad en un ambiente más relajado

Answer:

There are several different forms of communication that are important in an organization. These include:

1. Verbal communication: This is the use of spoken words to convey a message. Verbal communication is important in an organization because it allows employees to communicate with each other and with customers. For example, a salesperson might use verbal communication to explain the features of a product to a customer. Another example is a team meeting where employees discuss project updates and share ideas.

2. Nonverbal communication: This is the use of body language, gestures, and facial expressions to convey a message. Nonverbal communication is important in an organization because it can convey emotions, attitudes, and intentions. For example, a manager might use nonverbal communication to show approval or disapproval of an employee's performance. Another example is a job interview where the interviewer might use nonverbal communication to assess the candidate's confidence and professionalism.

3. Written communication: This is the use of written words to convey a message. Written communication is important in an organization because it provides a permanent record of communication. For example, an email can be used to communicate project updates, deadlines, and other important information. Another example is a report that summarizes the results of a project.

4. Visual communication: This is the use of images, graphs, and other visual aids to convey a message. Visual communication is important in an organization because it can help to simplify complex information and make it easier to understand. For example, a chart can be used to show sales trends over time. Another example is a video that demonstrates how to use a product.

All of these forms of communication are important in an organization because they allow employees to share information, ideas, and feedback. Effective communication can also help to build trust and relationships between employees, customers, and partners. For example, if a customer has a positive experience with a salesperson, they are more likely to return to the organization in the future.

A practical example of the importance of communication in an organization is a team project. Effective communication is essential for the success of the project. Team members need to be able to communicate their ideas, concerns, and progress to each other in order to stay on track and meet deadlines. This might involve verbal communication in team meetings, written communication in project reports, and visual communication in presentations. Without effective communication, the project is likely to fail.

Some of the top bookkeeping services provider firms in Singapore include sleek, boardroom, etc.

1. Sleek: Sleek offers a range of accounting and bookkeeping services, catering to both startups and established businesses. They provide personalized support and utilize cloud-based software for efficient bookkeeping.

2. Ackenting Group: Ackenting Group offers comprehensive bookkeeping services tailored to various industries. They assist in maintaining accurate financial records, managing accounts payable and receivable, and generating financial reports.

3. Boardroom: Boardroom provides professional bookkeeping services to businesses of all sizes. They offer end-to-end solutions, including data entry, bank reconciliation, and financial statement preparation, ensuring compliance with Singapore's accounting standards.

4. 3E Accounting: 3E Accounting specializes in outsourced bookkeeping services, assisting businesses in maintaining organized financial records and adhering to regulatory requirements. They leverage technology for streamlined processes and efficient reporting.

5. Onestop Accounting: Onestop Accounting offers reliable and cost-effective bookkeeping services. They assist businesses in managing their accounts, preparing financial statements, and ensuring compliance with tax regulations.

These firms have established reputations and expertise in providing high-quality bookkeeping services to businesses in Singapore.

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Answer:

Form 1040x

Explanation:

Answer:

Strategy 1: Value Investing.

Strategy 2: Growth Investing.

Strategy 3: Momentum Investing.

Strategy 4: Dollar-Cost Averaging.

Answer: a call to action

Explanation:

The following is an example of a call to action stop by our store this Saturday between 2 and 4 to get a free gift. The correct option is A. Your call to action is the section of your advertisement that instructs your target audience on what they should do after clicking on your PPC ad and arriving at your website or landing page.

CTAs are used all across the web to entice potential leads or convert existing leads into customers. Their goal is to entice the visitor to do a specific activity.

A call-to-action is a short statement on your website, email, or another piece of content that encourages visitors to perform some desired action, which eventually continues their contact with your company.

Thus, the ideal selection is option A.

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The effective annual rate, we need to take into account the effects of compounding, which occurs quarterly in this case.

The formula for an effective annual rate with quarterly compounding is:

EAR = (1 + r/n)^n - 1

where r is the annual percentage rate and n is the number of compounding periods per year.

In this case, r = 10% and n = 4 (since interest is paid quarterly).

Plugging in these values, we get:

EAR = (1 + 0.10/4)^4 - 1

= 0.1038125 or 10.38% (rounded to two decimal places)

Thus, Therefore, the effective annual rate on the automobile loan is 10.38%.

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Answer:

Brainiiest Please!

Work resources − People and equipment to complete the tasks.  

Cost resources − Financial cost associated with a task. Travel expenses, food expenses, etc.  

Material resources − Consumables used as project proceeds. For example, paint being used while painting a wall.

Explanation:

People and equipment to complete the tasks.

Financial cost associated with a task. Travel expenses, food expenses, etc.

Consumables used as project proceeds. For example, paint being used while painting a wall.

The correct answer to question 49 is that a producer may share commission with another licensed but unappointed producer. b is correct answer

A producer may share commission with another licensed but unappointed producer.

In the insurance industry, a producer is an individual or entity that sells, solicits, or negotiates insurance policies. Producers can be insurance agents, brokers, or other licensed professionals authorized to conduct insurance transactions. Commissions are the compensation received by producers for their services in selling insurance policies.

While producers typically earn commissions based on the premiums paid by policyholders, they may also share commissions with other licensed individuals who are not appointed producers. These individuals are usually part of the same agency or brokerage and contribute to the sales process. By sharing commissions, producers can incentivize teamwork, encourage collaboration, and reward the efforts of their colleagues.

It's important to note that sharing commissions with unlicensed individuals who have sold, solicited, or negotiated insurance policies is generally not allowed. Insurance regulations require that only licensed individuals engage in insurance-related activities. Unlicensed individuals do not have the necessary qualifications, training, and legal authorization to participate in the sales process or receive commissions.

The sharing of commissions with the underwriter of the insurance company or the insured to offset a portion of the premium payable is also uncommon. The underwriter is responsible for assessing risk and determining policy terms, while the insured pays premiums to obtain coverage. Commissions are typically allocated to the producer involved in the sale and are not shared with the underwriter or the insured.

Therefore, the correct answer to question 49 is that a producer may share commission with another licensed but unappointed producer.

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Answer:

C

Explanation:

The following is true of a good benefits plan it will encourage people to join an organization. The correct option is c.

There are several benefits to having a motivated workforce, including lower absenteeism rates, employee retention rates, low staff turnover rates, improved management-worker relationships, higher worker performance, improved quality, and enhanced customer service.

A good benefits plan is an essential part of an organization's compensation strategy. It can be used to attract and retain talented employees and can be a competitive advantage in the job market. A well-designed benefits plan can also help to improve employee morale, motivation, and job satisfaction. While it may require a significant investment, a good benefits plan can provide a good return on investment for the organization.

Thus, the ideal selection is option c.

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Answer:

Explanation:

Insurance protects yourself, your assets, or even your family against financial loss. Oftentimes, events, such as cancer or a car accident, are random and have the potential to financially run people. Insurance is a way to reduce the financial impacts of these risks.

Answer:

An Executor will carry out the terms of a will after a person has passed away.

Hope that helps you. x

When the debit portion of an adjusting entry is used to increase the balance of an asset account, the credit portion of the entry will decrease the balance of another account, which will be either a liability account or an equity account.

What is the adjusting entry?Adjusting entries are journal entries that are made at the end of an accounting period to modify the accounts' balances. They are done to update and verify revenue and expense accounts' accuracy, as well as to adjust the balance sheet accounts for adjustments that have yet to be recorded.When should adjusting entries be made?Adjusting entries are typically made at the end of an accounting period. For example, adjusting entries may be needed if a company's insurance premiums have been paid in advance, or if a company has earned revenue but has not yet received payment.Adjusting entries are critical in determining the correct profit and loss as well as the balance sheet, which is why they must be accurate and complete.Adjusting entries are required for each financial statement's following types:Income Statement - revenue and expense accounts are adjusted.Balance Sheet - asset, liability, and equity accounts are adjusted.How are adjusting entries made?Adjusting entries are made with the following steps:Step 1: Determine the transaction or event that necessitates an adjustment. Step 2: Determine which accounts are affected by the transaction or event. Step 3: Decide whether each account is to be debited or credited. Step 4: Make the necessary adjusting journal entries.

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Answer:

The correct formula will be :

=average(past event tab then col in that tab) use this for att, programs, food, and merch

=AVERAGE('Past Events'!C4:C103)

Explanation:

To calculate the correlation between the sales of each kind of product and event attendance, from the Input analysis part of the spreadsheet model.

According to the information provided, in the targeted cell, we will use formula

=Average(data cells)

and for other part of the question is to calculate sales. For this part we can simply use the sum formula, first, we will sum the sales for a single item in past events column than at the end of the past column.

Thus, the correct formula will be :

=average(past event tab then col in that tab) use this for att, programs, food, and merch

=AVERAGE('Past Events'!C4:C103)

Answer:

*Nominal Interest Rate

*Can

*EAR

*Annual

*Higher

Explanation:

Here is the complete question;

Different compounding periods, are used for different types of investments. In order to properly compare investments or loans with different compounding periods, we need to put them on a common basis. In order to do this, you need to understand the difference between the nominal interest rate (INOM) and the effective annual rate (EAR). The__________ interest rate is quoted by borrowers and lenders, and it is also called the annual percentage rate (APR). If the compounding periods for different securities is the same, then you____________ use the APR for comparison. If the securities have different compounding periods, then the____________ must be used for comparison. Here, M is the number of compounding periods per year and INOM/M is equal to the periodic rate (IPER). If a loan or investment uses___________ compounding, then the nominal interest rate is also its effective annual rate. However, if compounding occurs more than once a year, EAR is___________ INOM. Quantitative Problem: Bank 1 lends funds at a nominal rate of 6% with payments to be made semiannually. Bank 2 requires payments to be made quarterly. If Bank 2 would like to charge the same effective annual rate as Bank 1, what nominal interest rate will they charge their customers? Round your answer to three decimal places. Do not round intermediate calculations.__________ %

Different compounding periods, are used for different types of investments. In order to properly compare investments or loans with different compounding periods, we need to put them on a common basis. In order to do this, you need to understand the difference between the nominal interest rate (INOM) and the effective annual rate (EAR). The____Nominal______ interest rate is quoted by borrowers and lenders, and it is also called the annual percentage rate (APR). If the compounding periods for different securities is the same, then you_____can_______ use the APR for comparison. If the securities have different compounding periods, then the_______EAR_____ must be used for comparison. Here, M is the number of compounding periods per year and INOM/M is equal to the periodic rate (IPER). If a loan or investment uses____annual______ compounding, then the nominal interest rate is also its effective annual rate. However, if compounding occurs more than once a year, EAR is______higher_____ INOM. Quantitative Problem: Bank 1 lends funds at a nominal rate of 6% with payments to be made semiannually. Bank 2 requires payments to be made quarterly. If Bank 2 would like to charge the same effective annual rate as Bank 1, what nominal interest rate will they charge their customers? Round your answer to three decimal places. Do not round intermediate calculations.__________ %

CALCULATION PART

what nominal interest rate will they charge their customers?

Effective annual rate= (1+nominal rate/n)^n -1)

n= compounding period

Effective annual rate=[(1+0.06/2)^2 -1]

[(1+0.06/2)^2 -1]

= (1+0.03)^2 -1

=1.0609-1

=0.0609

= 6.09%

They will charge it 6.09%

There are four quarter in a year which means n=4

Let the nominal rate = x

Using the effective annual rate formula

0.0609=[ (1+x/4)^4 -1]

0.0609+1= (1+x/4)^4

(1.0609)^1/4 = 1+x/4

1.01489= 1+x/4

1.01489-1= x/4

x= 0.01489×4

x= 0.05956×100

x= 5.956%

Hence, effective annual rate for the both banks is 6.09%

While nominal annual rate for bank2 is 5.956%

,

Answer:

Credit cards

Explanation: