Adverse selection and moral hazard were two key factors that contributed to the global financial crisis of 2007-2009.
Adverse selection refers to the situation where one party has more information than the other in a transaction. In the case of the financial crisis.
Moral hazard, on the other hand, arises when one party takes more risks because they do not have to bear the full consequences of their actions. In the financial crisis, moral hazard was prevalent in the form of excessive risk-taking by financial institutions.
In summary, adverse selection and moral hazard played significant roles in the global financial crisis. Adverse selection resulted in the purchase of riskier assets than expected, while moral hazard encouraged excessive risk-taking. Both factors contributed to the collapse of the housing market and the subsequent financial turmoil.
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To reconcile the number of physical units using the weighted average method of process costing, one must determine whether the units were:
For one to be able to reconcile the number of physical units using the weighted average method of process costing, one must determine if the units were completed or still in process at the end of the period.
What is weighted average method?The weighted average cost method is known to be a kind of process that tends to divides the cost of goods that is available using the sale by the number of units that is present for sale.
Conclusively, To find a weighted average, one has to multiply all the number by its weight, then add all the results together.
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Identify the accurate statements about the effects of frames on a negotiation. (Select all that apply.)
1.Different frames always lead to the same agreement.
2.Negotiators are more likely to use specific frames with certain types of issues.
3.Particular types of frames may lead to particular types of agreements.
4.More than one frame can be used by negotiators during a negotiation.
5.Different frames evoke different responses from negotiators.
6.Conflicts arise when negotiators speak to each other from different frames.
7.Both negotiating parties always use identical frames during discussions.
The accurate statements about the effects of frames on a negotiation are: Statement 2, 3, 4, 5 and 6.
Frames in negotiation refer to the mental perspectives or lenses through which negotiators perceive and interpret the negotiation process and its issues. Different frames can significantly impact the outcomes of a negotiation.
Statement 1, "Different frames always lead to the same agreement," is inaccurate. Different frames can lead to different agreements or outcomes, as they shape negotiators' perceptions, priorities, and preferences.
Statement 7, "Both negotiating parties always use identical frames during discussions," is also inaccurate. Negotiating parties may have different frames due to their individual experiences, goals, and perspectives.
The accurate statements highlight that negotiators are more likely to use specific frames with certain types of issues (statement 2). Additionally, particular types of frames may lead to particular types of agreements (statement 3), and negotiators can use more than one frame during a negotiation (statement 4). Different frames evoke different responses from negotiators (statement 5), and conflicts can arise when negotiators speak from different frames (statement 6).
Understanding the effects of frames is crucial in negotiation as it influences how parties perceive and approach the negotiation process, the issues at hand, and the potential outcomes.
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who was the first person given credit for proposing national parks?
Myths serve four interrelated functions in a culture. All of the following are among those functions EXCEPT the ________ function.
A) cosmological
B)sociological
C)psychological
D)anthropological
Myths serve four interrelated capabilities in a culture. Coming up next are all among those capabilities with the exception of the anthropological functions. Subsequently, choice (D) is exact.
The cosmological function of Myths alludes to their part in making sense of and getting a handle on the beginnings, design, and request of the universe. Fantasies frequently give clarifications to normal peculiarities, the formation of the world, the beginnings of humankind, and the connection between people, divine beings, and the universe.
The sociological function of Myths alludes to their part in keeping up with and supporting normal practices, values, and union inside a general public. Fantasies frequently portray romanticized models of conduct and present stories that advance social request, moral codes, and the legitimate jobs and connections inside a local area.
The psychological function of Myths alludes to their part in tending to and satisfying individual mental necessities and encounters inside a culture.
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Graphical information can be useful in
a.
Math only
c.
Science only
b.
Social Studies only
d.
All subjects
Answer:
d all subjects
Explanation:
think its right sorry if its wrong
The answer fam is..........D) All subjects
In a marketing communications mix, ________ refers to any short-term incentive that encourages the purchase or sale of a product or service.
Answer:
Sales Promotion
Explanation:
Source: Trust me bro
in a chapter 13, how long does a non-governmental creditor have to file a proof of claim?
When you finish your Chapter 13 repayment plan, you'll receive a discharge order, which will wipe off the remaining sum of qualified debt.
In fact, a Chapter 13 bankruptcy discharge is even broader than a Chapter 7 release since it wipes out certain debts that are nondischargeable in Chapter 7 bankruptcy. If the debtor has more than 12 unsecured creditors, at least three of them must join in the bankruptcy petition, and they must reach a threshold amount of unsecured debt as a group, which also grows on a regular basis. In California, the statute of limitations for consumer debt is four years. This means that a creditor cannot triumph in court after four years, rendering the debt practically uncollectible.
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________ leadership focuses on clarifying employees’ roles and task requirements and providing rewards and punishments contingent on performance.
transactional leadership focuses on clarifying employees’ roles and task requirements and providing rewards and punishments contingent on performance.
What is transactional leadership?The aspect of one leadership style that prioritizes organization, performance, and supervision is known as transactional leadership or transactional management.It is a crucial component of the Full Range Leadership Model. During the Industrial Revolution, this style of management emerged as a means of gaining a competitive edge. This form of management frequently employs strategies, efficiency objectives, economies of scale, and quality differentiation. Transactional managers prioritize tasks and objectives that are performance-related.Through both rewards and penalties, leaders who practice transactional leadership encourage followers' compliance. Transactional leaders can maintain followers' motivation in the short term by using a system of incentives and penalties.To learn more about transactional leadership with the given link
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An otherwise profitable segment may appear to be unprofitable if ___ fixed costs are allocated to it.
An otherwise profitable segment may appear to be unprofitable if excessive fixed costs are allocated to it.
In other words, the allocation of fixed expenses to a particular product or segment may affect its profitability. For example, imagine a company has a product line that generates a lot of sales but has a high percentage of fixed costs. In this case, the business could lose money on that product if fixed expenses are assigned to it. Suppose the fixed costs were originally assigned to the company as a whole.
In that case, the business would be profitable because all the revenue generated by other products or business segments would balance the costs. However, when fixed expenses are allocated to each product line, it can cause a distortion in the profitability of that product line or segment. Suppose a company has two product lines: Product A and Product B. Product A generates $20,000 in sales and has a 50% profit margin, while Product B generates $5,000 in sales and has a 40% profit margin.
In total, the company has $25,000 in sales and a 47% profit margin. However, if $10,000 in fixed costs are assigned to Product B, it would appear to be unprofitable, even though it has a higher profit margin than Product A. Therefore, the allocation of fixed expenses to different products can impact the apparent profitability of the business segments.
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which financial statement summarizes the changes in the balance of each stockholders' equity account?
The balance sheet gives a quick picture of the property, expenditures, and stockholders' equity.
The earnings and costs incurred by a corporation during a specific time period are the main subjects of the income statement.
What appears on the account of modifications in owner's equity?
The financial statement of a company that tracks changes in owners' equity over the course of an accounting period is called a report of adjustment in equity, often known as a statement of retained earnings. It includes the following topics: Total revenue or loss. payout of dividends.
Which of the following best describes how owner's equity changed over the course of the review period?
The report of owner's equity, also referred to as the report of retained profits, displays the difference in cash flows among the start and conclusion of a period.
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Dave wants to buy a bike for $180. He has $40. Dave mows lawns for $10 per lawn.
Answer:
He needs to mow 14 lawns.
Explanation:
Answer:
if the question is to find out how much more money he needs the answer is $140. If the question is to see how many lawns he needs to mow the answer is 14 lawns.
Explanation:
Self and social awareness is an important skill to practice when communicating with others because you will __________.
Self and social awareness is an important skill to practice when communicating with others because you will be more aware of your own personal biases
This is further explained below.
What is social awareness?Generally, The capacity to grasp the viewpoints of other people, groups, or communities and to incorporate that comprehension into one's relationships with other people is what we mean when we talk about social awareness.
This is a rather straightforward idea.
The term "personal bias" refers to previously unacknowledged views, opinions, or attitudes that have been gained through time and often serve to perpetuate stereotypes.
Personal biases are automatic, accidental, and hardwired into people, and they cause them to make inaccurate judgments.
In conclusion, While you practice self-awareness and social awareness, you will become more conscious of your own personal biases, which makes self-awareness and social awareness a crucial ability to have when speaking with others.
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the personnel staff was praised for hiring the highly-skilled management team which led the company to great success. which company function added value in this instance
Human resources corporation characteristic introduced fee on this instance.
The required details for Human resources in given paragraph
Human resources is the set of individuals who make up the workforce of an corporation, enterprise sector, industry, or economy. A narrower idea is human capital, the understanding and abilities which the people command. Similar phrases encompass manpower, hard work, personnel, buddies or simply: people. The Human Resources department (HR department) of an corporation performs human useful resource control, overseeing numerous components of employment, including compliance with hard work law and employment standards, interviewing and choice, overall performance control, management of Employee blessings, organizing of worker documents with the desired files for destiny reference, and a few components of recruitment and worker offboarding. They function the hyperlink among an corporation's control and its employees.
The responsibilities encompass planning, recruitment and choice technique, posting process ads, comparing the overall performance of employees, organizing resumes and process applications, scheduling interviews and supporting within side the technique and making sure heritage checks.
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Kahn described "the harnessing of organization members selves to their work roles" as:
Kahn's concept of "the harnessing of organization members selves to their work roles" refers to the idea that individuals in an organization are expected to integrate their personal identity with their work identity.
This means that they are expected to align their values, attitudes, beliefs, and behaviors with the expectations of their work roles. The process of harnessing the self to the work role is a complex one, as it requires individuals to negotiate between their personal needs and the demands of their work roles.
Kahn argues that the degree to which individuals are able to successfully harness their selves to their work roles is influenced by a range of factors, including the nature of the work, the culture of the organization, the support provided by management, and the individual's own psychological resources.
For example, individuals who have a strong sense of identity and self-esteem may be better able to integrate their personal and work identities, while those who lack confidence or experience high levels of stress may struggle to do so.
Overall, Kahn's concept of harnessing the self to the work role highlights the importance of understanding the psychological processes that underlie work identity and the challenges that individuals face in reconciling their personal and professional selves.
By recognizing these challenges and providing support to employees, organizations can create a more positive and productive work environment.
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draw a point on the outcome of a cap and trade system that requires an efficient amount of emissions label it 1
Point 1 represents the efficient equilibrium in a cap and trade system where total emissions align with the set cap, promoting a balance between environmental sustainability and economic growth through trading of emission permits.
In a cap and trade system that aims to achieve an efficient amount of emissions, the point labeled as "1" represents the desired outcome where the total emissions in the system align with the set emissions cap. At this point, the level of emissions corresponds to the efficient equilibrium, where the social cost of emissions is equal to the marginal cost of reducing emissions. This efficient level of emissions helps strike a balance between environmental sustainability and economic growth.
By placing a cap on total emissions and allowing for trading of emission permits, the system encourages industries to find cost-effective ways to reduce their emissions and promotes the efficient allocation of resources towards cleaner technologies and practices.
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List 3 responsibilities that a consumer has when making a purchase.
Answer:
check receipt, know the return policy, read the fine print
Explanation:
Welcome
An instrument used to enlarge or reduce a map is known as
Answer:
pantograph
Explanation:
you can use a pantograph to do this.
How much will the peruvian government spend on servicing.
Answer:
4,000 m
Explanation:
4,000 million Peruvian sol
The Peruvian government spends on servicing is 4000 million Peruvian Sol.
What kind of government does Peru belong to?
The Republic of Peru is a united country and a republic with a multi-party democratically elected president. The current government was established by the Peruvian Constitution of 1993. The government is made up of three branches, namely the executive, the judiciary, and the judiciary.
Was Peru a dictatorship?The Military Revolutionary Government was the military dictator who ruled Peru from 1968 to 1980 after a successful coup d'état by the Peruvian Armed Forces.
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Bagas plans to open a garment business. This business requires a sewing machine
for IDR 300,000,000. If this business is runned, Bagas will get a net profit (already
taking into account other costs such as room rent, employee salaries, maintenance etc.) of
IDR 80,000,000 per year. Bagas will only run his business for five years and
the machine after seven years is estimated to still be sold at a price of Rp. 100,000,000.
use i = 10%
a. Draw the cashflow diagram!
b. Determine Net Present Value (NPV)
c. Determine Payback Period!
To evaluate the feasibility of Bagas' garment business, we can use financial analysis tools such as cashflow diagrams, Net Present Value (NPV), and Payback Period. These calculations consider the initial investment, net profit, and expected cash flows over a specific period. In this case, with an interest rate of 10%, we can determine the NPV and Payback Period to assess the profitability and time it takes to recoup the investment.
a. Cashflow Diagram:
The cashflow diagram for Bagas' garment business can be represented as follows:
Initial Investment (Year 0): -Rp. 300,000,000
Net Profit (Years 1-5): Rp. 80,000,000 per year
Resale Value (Year 7): Rp. 100,000,000
b. Net Present Value (NPV):
To calculate the NPV, we need to discount the future cash flows to their present value. Using an interest rate of 10%, we discount each cash flow and sum them up. The NPV can be calculated as follows:
NPV = (Net Profit Year 1 / (1 + i)^1) + (Net Profit Year 2 / (1 + i)^2) + ... + (Net Profit Year 5 / (1 + i)^5) + (Resale Value / (1 + i)^7) - Initial Investment
c. Payback Period:
The Payback Period is the time it takes to recover the initial investment. We determine this by adding up the net cash flows until they equal or exceed the initial investment. In this case, we calculate the Payback Period by considering the net profits for each year until the cumulative cash inflows equal or exceed Rp. 300,000,000.
By calculating the NPV and Payback Period, Bagas can assess the financial viability of his garment business. A positive NPV indicates that the investment is expected to generate value, while a shorter Payback Period suggests a quicker return on investment. These metrics help Bagas make informed decisions and evaluate the profitability and feasibility of his business venture.
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To evaluate the feasibility of Bagas' garment business, we can use financial analysis tools such as cashflow diagrams, Net Present Value (NPV), and Payback Period. These calculations consider the initial investment, net profit, and expected cash flows over a specific period. In this case, with an interest rate of 10%, we can determine the NPV and Payback Period to assess the profitability and time it takes to recoup the investment.
a. Cashflow Diagram:
The cashflow diagram for Bagas' garment business can be represented as follows:
Initial Investment (Year 0): -Rp. 300,000,000
Net Profit (Years 1-5): Rp. 80,000,000 per year
Resale Value (Year 7): Rp. 100,000,000
b. Net Present Value (NPV):
To calculate the NPV, we need to discount the future cash flows to their present value. Using an interest rate of 10%, we discount each cash flow and sum them up. The NPV can be calculated as follows:
NPV = (Net Profit Year 1 / (1 + i)^1) + (Net Profit Year 2 / (1 + i)^2) + ... + (Net Profit Year 5 / (1 + i)^5) + (Resale Value / (1 + i)^7) - Initial Investment
c. Payback Period:
The Payback Period is the time it takes to recover the initial investment. We determine this by adding up the net cash flows until they equal or exceed the initial investment. In this case, we calculate the Payback Period by considering the net profits for each year until the cumulative cash inflows equal or exceed Rp. 300,000,000.
By calculating the NPV and Payback Period, Bagas can assess the financial viability of his garment business. A positive NPV indicates that the investment is expected to generate value, while a shorter Payback Period suggests a quicker return on investment. These metrics help Bagas make informed decisions and evaluate the profitability and feasibility of his business venture.
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what is conceptualization
Answer:
the action or process of forming a concept or idea of something in your mind
Explanation:
Individuals who fail to complete high school are at an increased risk for
1. Unemployment
2. Underemployment
3. Imprisonment
4. All of the above
Answer:
unemployment!
The worst possible consequence of conflict is ______. a. Stress b. Hurtful words c. Damaged relationships d. Violence Please select the best answer from the choices provided A B C D
Answer:
Explanation:
Violence
The worst possible consequence of conflict is Violence. Thus the correct option is D.
What is a conflict?Conflicts refer to situations when two individuals involved in a conversation share differences of opinions which causes disagreement between them and creates arguments in order to prove them stronger conflicts raises.
Conflicts can be a foundation for violence, most confrontations have a favorable outcome and do not escalate to violence. When there is a difference of opinion and no resolution is found, it enrages people and leads to violence.
When two parties believe that their objectives are incompatible, conflict develops. The diverse ways senior managers are rewarded within a company frequently lead to contradictory aims.
Therefore, option D is appropriate.
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time is limeted
Which of the following steps should you take after attending a college fair?
A. Take a break from dealing with colleges for two weeks.
B. Call every college that was represented at the college fair.
C. Make a decision about which college to attend that night.
D. Continue to research colleges on your own.
Answer:
D
Explanation:
The steps that can be taken after the college fair is to continue researching colleges on your own. Therefore, Option D is correct.
What is research?Research can be defined as "creative and methodical activity done to improve the body of knowledge."
It entails gathering, organizing, and analyzing data in order to improve understanding of a subject or problem.
Therefore, The steps that can be taken after the college fair is to continue researching colleges on your own. Option D is correct.
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Everyone fits into only one personality type,
A.True
B.False
Is A the actually answer?
Difference between business and trade
Answer:
business is the entire enterprise of making, selling, and controlling the production of goods, while trade, a narrower activity, involves only the buying and selling of goods. Trade is a part of business, but business is not the same as trade. ... Trade usually refers to imports and exports.
During the Great Depression:
A. many people relied on credit to buy food.
B. many people migrated away from their homes.
C. many people invested in the stock market.
D. many people bought second homes.
Answer:
b
Explanation:
i read about it
what is the difference between shifting income and transforming income?
The key difference between shifting income and transforming income is that shifting income refers to changing the distribution of income within a group while transforming income refers to changing the nature of income itself .What is shifting income? Shifting income refers to the process of changing the distribution of income within a group. This is typically done through policies that either increase or decrease the share of income that certain groups receive. Examples of policies that shift income include progressive taxation and social welfare programs .What is transforming income? Transforming income, on the other hand, refers to the process of changing the nature of income itself. This can be done through policies that encourage people to pursue higher-paying jobs or that increase access to education and training. Transforming income is often seen as a more sustainable way of reducing income inequality because it helps people to earn more money on their own rather than relying on government assistance or redistribution programs .In conclusion, the key difference between shifting income and transforming income is that shifting income refers to changing the distribution of income within a group while transforming income refers to changing the nature of income itself
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can someone recommend me some research topics for economics.would really appreciate if it is in a list
Explanation:
here are some research topics for economics::
1. The effect of income changes on consumer choices
2. The effect of labor force participation on the economy and budget – A comparison
3. The impact of marital status on the labor force composition: A case of [your country] economy
4. The difference in the consumption attitude in [your country] over the last decade – Critical analysis of consumer behavior trends
5. The relationship between salary levels and ‘economic convergence’ in [your country]?
6. Analyzing salary inequalities in [your country] and the forces behind such inequalities.
7. The evolution of consumption in [your country] over the last 10 years: Trends and consumer behavior.
8. Dynamics of the Gini index as a reflection of the problem of inequality in income
9. Cashless economy: The impact of demonetization on small and medium businesses
10 Privatization of Public Enterprises and its implications on economic policy and development
A free-market system cannot operate effectively and fairly without a reliable foundation in __________.
a. contract law
b. government regulation
c. equality of consideration
d. equity
Option - A : A free-market system cannot operate effectively and fairly without a reliable foundation in contract law .
In a free-market society, contract law offers a framework for the negotiation and enforcement of agreements between people and businesses. It lays forth the terms and conditions of the exchange of goods and services and offers a procedure for resolving any disputes that could develop.
As it offers people and businesses the assurance to engage in transactions, knowing that their agreements will be enforced and that they will be treated fairly, the dependability of contract law is crucial for the effective operation of a free-market economy. The simplest definition of a contract is a commitment that is legally binding. The commitment might be to carry out or abstain from a certain action. A contract must be made with the consent of two or more parties, usually with the consent of just one.
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