What is the summary of The norton reader Chapter 1, home and family?

The agency providing effective redress is b. Bangko Sentral ng Pilipinas

By establishing regulations that institutionalize consumer protection as a key element of corporate governance and culture, as well as risk management, the BSP Regulations on Financial Consumer Protection aim to fundamentally strengthen the market conduct practices of Bangko Sentral ng Pilipinas' (BSP) supervised financial institutions (BSFIs).

Additionally, it is required to offer financial customers who feel they have been wronged by a BSFI's actions, goods, or services an efficient means of remedy. It tries to make sure that companies that offer financial services follow ethical business procedures and refrain from actions that could endanger customers.

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Answer:

true took the test brainliest please

Answer: MTA argued that Uber was operating a taxi service without proper licensing.

Explanation:

The local metro transit authority (MTA) ordered Uber to cease and desist because they claimed that Uber's service was illegal and unsafe, as its drivers were not licensed to operate taxis, and they were not subjected to the same safety and insurance requirements as licensed taxi drivers.

Additionally, the MTA argued that Uber was operating in direct competition with licensed taxis and was therefore creating an unfair advantage. Uber contested these claims and argued that their service was legal and safe, but ultimately they were forced to comply with the MTA's order.

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All of the following are reasons for Making an item in your own company operations, except Due to insufficient capacity in your company operations. The correct option is B.

Suppliers are critical to the success of your company. They are critical when considering costs, product quality, and on-time delivery to satisfy end users.

For components that are not critical to the organization's operations, the supplier can provide economies of scale. -Instead of letting excess capacity sit idle, the company can use it by creating a material.

Thus, the ideal selection is option B.

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Industry 4.0 is known to be the fourth industrial revolution that has led to the integration of information technologies in the industrial process to automate and optimize production. With its implementation, the industrial sector has been able to optimize and automate processes, increase productivity, and improve product quality. The following are the main pros and cons of implementing Industry 4.0:

Pros:
• Improved productivity: Industry 4.0 has led to the use of intelligent machines that are equipped with sensors and the ability to communicate with other devices to optimize production processes. This, in turn, increases productivity, reduces errors and risks, and ensures consistency in product quality.
• Increased flexibility: Industry 4.0 has led to the development of intelligent machines that can be easily reconfigured to carry out new tasks. This flexibility helps in adapting to changes in demand and customization.

Cons:
• High implementation cost: The implementation of Industry 4.0 requires significant investment in new technology and upgrading existing systems. The high cost of implementation makes it unaffordable for some companies.
• Resistance to change: Implementing Industry 4.0 requires significant changes in the workplace, which can be challenging for employees who may resist change.

One of the main factors that have driven Industry 4.0 implementation is improved productivity.  The implementation of Industry 4.0 has held up due to the high implementation cost. Many companies are unable to afford the technology and the upgrade of their systems. As a result, the adoption of Industry 4.0 is slow in many industries.

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82,500Answer:

Explanation:

True. An evaluation model is a technique that uses a common yardstick to measure and compare vendor ratings. For example, a vendor might be evaluated according to factors such as cost, quality, timeliness, and customer service.

An evaluation model is a tool or framework that is used to assess or measure the effectiveness, efficiency, or success of a program, project, process, product, or service. Evaluation models are designed to provide objective and reliable information that can be used to inform decision-making, improve performance, and optimize outcomes.

There are different types of evaluation models, and they can vary depending on the nature of the subject being evaluated and the purpose of the evaluation. Some of the commonly used evaluation models include outcome-based evaluation, process evaluation, cost-benefit analysis, logic models and quality assurance models.

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Answer:

very important

Explanation:

money is a global income source for everyone. we all have different types but it is all still money. now say one country got rid of money and had people pay for stuff using other things. if china did that lots of different countries wouldn't be able to get stuff from there unless they had so much of that product they could just give it up.

It is false because it's important to maintain a professional and respectful attitude towards potential employers or the company, even if you're not interested in the job. Ignoring their attempts to contact you could harm your professional reputation and future job prospects.

A company is a legal entity that is formed to carry out business activities. It is usually created by a group of individuals who come together to achieve a common goal of providing goods or services to customers in exchange for money.

The purpose of a job provided by the company is to provide individuals with a means to earn a living, develop skills and experience, and contribute to society through their work.

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The number of Golden Delicious apple bought by Mary is 9.

Algebraic expressions are the combination of terms related together by arithmetic operations like addition, subtraction, and division.  

Given:

Price of Delicious Apples = $ 0.75

Price of Golden Delicious Apples = $ 1.25

Total Number of Apples = 22

Total Price of Apples = $ 21.00    

In the equation, x is for Delicious apples and y is for Golden delicious apples.

\(\begin {aligned}21 &= 0.75 x + 1.25 y .....(1)\\22 &= x + y .....(2)\\\\\end{aligned}\)

\(\begin {aligned}\rm Putting\; the \;value\; of\; y\; in\; Equation\;(1):\\21 &= 0.75 x + 1.25 (22 - x)\\21 &= 0.75 x + 27.5 - 1.25 x\\-6.5 &= -0.5 x\\x &= 13\\\\\end{aligned}\)

\(\begin {aligned}\rm Putting\; the \;value\; of\; x\; in\; Equation\;(2):\\y &=22 - x \\y &= 22 -13\\y&= 9\end{aligned}\)

Thus, Mary bought 9 Golden Apples and 13 Delicious Apples.  

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It is likely that the savings category will be changed to allow money for the purchase of a car.

Saving refers to the act of setting aside a portion of income or resources for future use. It is a critical aspect of personal finance as it allows individuals to plan for their long-term financial goals and provides a safety net in case of unexpected expenses or emergencies.

Saving can be done in a variety of ways, such as opening a savings account, investing in stocks or other assets, or simply keeping cash in a safe place. The amount saved can be small or large, depending on one's income and financial goals.

Some people save for specific goals, such as a down payment on a house or a college education for their children, while others save to build an emergency fund or to save for retirement.

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The disadvantage of choosing a job that is very popular or a job that is in high demand is that after a while such a job may become saturated or it would become monotonous.

This is the term that is used to refer to a job that the people that wpould employ labor are constantly in need of. Such a job is one that would require the people that have the qualification to opt in and get the places and the roles that they are to fill.

The issues that may arise from such a job that is in high demand is that after a period, such a job may have a lot of persons that would want to fulfil the role.

The number of qualified persons may become more than the job that is available for the people to do in the long run.

Hence this is a disadvantage. Therefore I would conclude by saying that the disadvantage of choosing a highly popular job is that the number of persons that are willing to fulfil the role may exceed the job overtime.

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When adjusting the price of an established product, Jackie should have knowledge of the pricing considerations and strategies

There are 4 types of pricing strategies as follows :

In the aforesaid scenario, Jackie will employ a value pricing approach, in which he will reduce the product's cost in order to attract buyers, hence increasing the product's perceived worth.

Thus,

Pricing strategies information should be considered before introducing any changes in the price of the product.

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The net present value of the project is $72,720.

The cost of the equipment is $450,000. It is estimated that the firm will increase operating cash flow (OCF) by $100,000 annually for the next seven years. The firm’s Total Debt to Total Assets Ratio is 0.4, both based on market values. The firm's cost of equity is 8% and its pre-tax cost of debt is 6%. The flotation costs of debt and equity are 5%. The formula for Net Present Value is:

Net Present Value = Present Value of Cash Inflows - Present Value of Cash Outflows.

Present value of cash inflows=Annual cash inflow * PVIFAPVIFA is the Present Value Interest Factor of Annuity and can be calculated as 1 - 1 / (1 + r)n / r.

Where r = the discount rate and n = the number of years.

Present value of cash outflows=Initial investment - flotation cost of debt - flotation cost of equity.

Present value of cash inflows= $100,000 * PVIFA(8%, 7 years)= $100,000 * 5.6502= $565,020

Present value of cash outflows= $450,000 + ($450,000 * 5%) + ($450,000 * 0.4 * 6%) + ($450,000 * 0.4 * 5%)= $450,000 + $22,500 + $10,800 + $9,000= $492,300

Net Present Value= $565,020 - $492,300= $72,720

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Answer:

Answer above mine is incorrect, real answer is TRUE

Explanation:

Tywin can be classified as a transformational leader.

Transformational leaders are known for their ability to inspire and motivate their team members to achieve their goals. They encourage critical thinking, problem-solving, and innovation within the team. Tywin's optimism about goal achievement suggests that he has a vision and inspires his team to work towards it. By encouraging his team to think critically and solve problems, he promotes a culture of continuous improvement and development.

Additionally, Tywin's consideration of his team members' needs demonstrates his focus on their well-being and growth, which are key aspects of transformational leadership. Overall, Tywin's leadership style aligns with the characteristics of a transformational leader who empowers and motivates his team to excel.

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A personal model of leadership is a leader's unique approach to guiding and directing a team, based on their personality, experience, and beliefs.

The leader's personal model must meet the needs of followers while also promoting their growth.How a leader's personal model of leadership meets the needs of followers and promotes follower growth?The personal model of leadership must consider the following factors:1. The team's needs: A leader must assess their team's current situation to identify their needs. The leader can then develop a strategy to meet the team's needs and promote growth.2. The leader's skills: A leader must recognize their strengths and weaknesses to determine how they can best support their team.

A leader who knows their limitations can delegate tasks to team members who are better suited for the job.3. Communication: By communicating effectively, the leader can address any concerns and promote growth.4. Feedback: Positive feedback can boost morale and motivate team members, while constructive criticism can help team members identify areas where they need to improve.5. Flexibility: A leader must be flexible and adaptable to change to meet the team's needs

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Operations activities vary depending on a business's company's size, industry, and goals.

Firstly, the size of a business plays a significant role in determining its operations activities. Smaller businesses typically have fewer resources and staff, requiring them to prioritize their operations to maximize efficiency. Larger businesses, on the other hand, can afford to invest in more advanced systems and tools to optimize their processes, as well as employ specialized personnel to manage specific aspects of their operations.

Secondly, the industry in which a business operates affects the nature of its operations activities. For example, a manufacturing company's operations may focus on production processes, quality control, and inventory management, while a service-based business, such as a consulting firm, would prioritize client engagement and service delivery. Each industry presents unique challenges and requirements that must be addressed through tailored operational activities.

Lastly, a business's goals and objectives influence its operations activities. If a company's primary goal is to grow its market share, its operations may emphasize customer acquisition and retention strategies. Conversely, if a business prioritizes cost reduction, its operations activities may focus on identifying inefficiencies and implementing cost-saving measures.

In summary, operations activities in a business vary depending on the company's size, industry, and goals. It is essential for business leaders to recognize these factors and adapt their operations management accordingly to ensure the success of their organization.

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Under the Statute of Frauds, this contract is enforceable by none of the choices.

A legal principle known as the statute of frauds mandates that some kinds of contracts be in writing. Land sales, deals involving items costing more than $500, and agreements lasting a year or longer are some of the contracts that are most frequently subject to the statute of frauds.

The statute of frauds is designed to stop fraud and other types of harm. Evidentiary and cautionary are common terms used to characterize these goals. The statute of frauds serves an evidential purpose by offering proof that a valid, binding contract is in place. Each party should be more focused, serious, and thoughtful when transacting as a result of the statute of fraud's cautionary purpose.

The statute of frauds was predominantly established in the United States as common law, or unwritten law. In most states, it has since been institutionalized by statutes. The defendant may bring up the statute of frauds as a defense in a breach of contract dispute if it is relevant because it is the plaintiff who has the burden of proof. It is the burden of the plaintiff to prove that a legal contract actually existed.

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The need for electrical craftworkers continues to grow. Option (c) is correct.

An Electrical craftworker assists a skilled journey-level worker engaged in one of the electrical trades.

Electrical craft work involves the maintenance and construction of electrical systems for construction and facilities installation and maintenance of overhead or underground power distribution systems or shop repair activities. Apprentice training possibilities leading to craft perspectives are available in some departments.

Therefore, Option (c) is correct.

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Answer:

A.

Explanation:

The highest salaries and the  highest foreseeable level of future demand are most likely to be open to tradespeople.

This is the term that is used to refer to the people that are specialized in a particular trade.

Due to the fact that there is an ever rising demand for trade, these people would have the greatest future salary.

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Answer: A.

Explanation:

In order to estimate the profit that will be at various levels of sales, multiply the number of units to be sold above or below the break-even point by the unit contribution margin. The statement is false.

Profit is total revenue less total cost. Breakeven point is the number of units produced and sold at which net income would be zero. Above the breakeven point, there would be profit and below this point, there would be losses.

The contribution margin is the price per unit less the variable cost per unit. Contribution margin doesn't account for fixed cost which must be used to determine profit.

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Diversification is crucial in managing an investment portfolio because it helps to mitigate risk and maximize returns.

By spreading investments across different asset classes, sectors, industries, and geographical regions, investors can reduce their exposure to individual risks and avoid relying too heavily on a single investment. Diversification allows for the potential benefits of minimizing losses from poorly performing assets while benefiting from the gains of others.

Systematic risk, also known as market risk, refers to risks that affect the overall market and cannot be eliminated through diversification. These risks include factors like economic conditions, interest rates, and political events. Unsystematic risk, also known as specific risk, is the risk that can be diversified away by including a variety of investments in a portfolio. Examples of unsystematic risks include company-specific risks, industry-specific risks, or regulatory risks that affect only a particular investment or sector.

Diversification helps in reducing unsystematic risk by spreading investments across different assets, thus reducing the impact of any single investment on the overall portfolio. While diversification cannot eliminate systematic risk, it can help investors manage and balance their exposure to both systematic and unsystematic risks, aiming to achieve a more stable and consistent investment performance.

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a. To calculate the target cost for the proposed industrial line of filters, we need to first determine the desired profit per unit. A 20 percent return on sales means that Expo Lube wants to earn $1.60 per unit ($8 x 20%). Therefore, the target cost per unit is $6.40 ($8 - $1.60).

b. If competitors lower the wholesale price to $7 per unit, Expo Lube will need to adjust its target cost to maintain its desired profit margin. Using the same formula as before, the desired profit per unit is still $1.60. Subtracting this from the new wholesale price of $7 gives a target cost of $5.40 ($7 - $1.60).

c. At a wholesale price of $7 and selling 88,000 units, Expo Lube's total revenue would be $616,000 ($7 x 88,000). Using the target cost calculated in part b ($5.40), the total cost would be $475,200 ($5.40 x 88,000). Therefore, the profit per year would be $140,800 ($616,000 - $475,200).

At the initial wholesale price of $8 and selling 80,000 units, Expo Lube's total revenue would be $640,000 ($8 x 80,000). Using the target cost calculated in part a ($6.40), the total cost would be $512,000 ($6.40 x 80,000). Therefore, the profit per year would be $128,000 ($640,000 - $512,000).

Comparing the two scenarios, Expo Lube would earn $12,800 more in profit per year by selling at the lower wholesale price of $7 and selling more units (88,000 vs 80,000).

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The answer is C. They mainly focus on the foreground in photograph.

Encouraging creative thinking and innovation is also crucial. Providing space for brainstorming sessions, idea generation, and exploration of different possibilities allows team members to think outside the box and come up with unique solutions.

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a. If you currently hold a market index portfolio, you should choose to add portfolio B to your holdings rather than portfolio A because the expected rate of return on portfolio B is 16%, which is higher than the expected rate of return on portfolio A, which is 12%.

Since beta measures a portfolio's systematic risk or volatility compared to the market portfolio, a higher beta indicates higher systematic risk or volatility. Since Portfolio B has a higher beta (1.4) than Portfolio A (0.7), this is consistent with Portfolio B being more volatile than Portfolio A.

However, portfolio B's higher expected return of 16% may be adequate to compensate for this additional risk. As a result, portfolio B provides a higher rate of return with a higher degree of risk.

b. If you can only invest in T-bills and one of these portfolios, you should choose portfolio A because it has a lower standard deviation of 12% compared to portfolio B's 31%, which makes it less volatile and more stable.

The expected rate of return on portfolio A is 12%, which is greater than the T-bill rate of 5%. As a result, portfolio A has a higher expected return, but it also has lower risk and volatility, making it a safer and more stable choice than Portfolio B.

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Answer:

Police Officers and Firefighters

Answer:

the correct answer would be police officers and firefighters

Explanation:

hope this helps:)