The expansion of credit default swaps insuring mortgage-backed securities backed by subprime crisis has been shown to have a positive impact on rising subprime mortgage defaults. The authors provide the first empirical study of this relationship in relation to defaults during the 2007/08 financial crisis.
It doesn't take long for people to start taking responsibility whenever something bad happens. It could be as simple as a bad deal or investment that no one thought would bomb.
Some companies are betting that their just-launched products won't take off, hurting their bottom line. But some events are so devastating that they affect the entire economy. This is what happened in the subprime mortgage market that led to the Great Recession.
When it came to the subprime crisis, there wasn't a single entity or individual to point the finger at. Instead, this mess was the collective creation of the world's central banks, homeowners, lenders, rating agencies, insurers, and investors. Read on to learn more about each player and their role in the crisis.
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If the CEO assumes that the customer profiles in Chicago is most representative of all the locations and she only samples customers from Chicago for the survey, she is doing
a. Quota sampling
b. Simple random sampling
c. Convenience sampling
d. Judgment sampling
Representative of all the locations and she only samples customers from Chicago for the survey, she is doing Judgment sampling.
In the non-probability sampling technique known as judgment sampling, or authoritative sampling, the researcher chooses the units to be sampled based on his own prior knowledge or his professional judgment. Purposive sampling, also known as judgmental, selective, or subjective sampling, is a type of non-probability sampling in which researchers pick individuals from the public to take part in their surveys based on their own judgment. Three circumstances make the use of judgemantal sampling appropriate: (1) choosing distinctive respondents who are particularly instructive; (2) choosing members of a hard-to-reach, niche community; and (3) identifying specific sorts of respondents for in-depth examination.
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When two different messages produce the same hash value what has occurred?
When two different messages produce the same hash value, it is called a hash collision. This means that the hash function used to generate the hash value was unable to produce a unique output for each input, and two different messages ended up with the same output.
While hash collisions are rare, they can still occur in certain circumstances, such as when the hash function is not strong enough or when there is a deliberate attempt to create a collision.
Hash collisions can pose security risks in certain situations, such as when a malicious user attempts to create a fake message with the same hash value as a legitimate message. This is known as a hash collision attack and can be used to bypass security measures such as digital signatures or to create fake digital certificates.
To prevent hash collisions, it is important to use strong hash functions that are resistant to collisions and to regularly update them as new vulnerabilities are discovered. Additionally, using salted hashes, where a random value is added to the message before hashing, can make it more difficult for attackers to create hash collisions.
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Why very few subsistence economies exist today
Answer:
As previously mentioned,
subsistence markets are
extremely vulnerable to
external influences.
Because of this
vulnerability, these economies are
becoming more scarce around the
world. In the past, for example, large
populations of indigenous peoples lived
throughout North America.
How does American style differ from Japanese style? Japanese style is identified as casually elegant, often using very luxurious fabrics while American style is noted for being chic, sophisticated, and smart. Japanese style is identified as casually elegant, often using very luxurious fabrics while American style is noted for being chic, sophisticated, and smart. American style is identified as casual, athletic, and clean-cut while Japanese style is noted for having complicated cutting and structure. American style is identified as casual, athletic, and clean-cut while Japanese style is noted for having complicated cutting and structure. American style is identified as casually elegant, often using very luxurious fabrics while Japanese style is noted for being chic, sophisticated, and smart. American style is identified as casually elegant, often using very luxurious fabrics while Japanese style is noted for being chic, sophisticated, and smart. Japanese style is identified as casual, athletic, and clean-cut while American style is noted for having complicated cutting and structure.
Answer:
American style is identified as casual, and ethic and clean cut while japanese style is considered poorly and has been noted for having complicated cutting and structure
Explantion:
got it right on Edge 2022
The ________ of an asset or liability is its cost carried on the balance sheet.
The book value of an asset or liability is its cost carried on the balance sheet.
The book value of a company is the net distinction between that company's total resources and total liabilities, where book value mirrors the total value of a company's resources that investors of that company would get assuming the company were to be sold.
A resource's book value is identical to its conveying value on the balance sheet.
Book value is much of the time lower than a company's or alternately resource's fairly estimated worth.
Book value per share (BVPS) and the price-to-book (P/B) proportion are used in essential examination.
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following data:
Fixed overheads: £40,000
Selling price: £6
Variable cost per unit: £4
If the selling price is increased by 50% then the break-even level would
now be: *
(1 Point)
8,000 units
20.000 units
O 10,000 units
0 12500 units
Answer:
If the selling price is increased by 50% then the break-even level would now be 8,000 units.
Explanation:
The following are given in the question:
Fixed overheads = £40,000
Initial selling price = $6
Variable cost per unit = £4
Percentage increase in selling price = 50%
Therefore, we have:
New selling price = Initial selling price * (100% + Percentage increase in selling price) = £6 * (100% + 50%) = £9
New contribution margin per unit = New selling price - Variable cost per unit = £9 - £4 = £5
New break-even level = Fixed overheads / New contribution margin per unit = £40,000 / £5 = 8,000 units
Therefore, if the selling price is increased by 50% then the break-even level would now be 8,000 units.
Which of the following items have elastic demand? (Remember: items that are “wants” and/or have many substitutes tend to be elastic. Items that are “needs” and/or have few substitutes tend to be inelastic.) Select all that apply.
Group of answer choices
Apple Juice
Jeans
Salt
Chicken
Gasoline
Insulin
The items that have elastic demand include A. Apple Juice, B. Jeans, and D. Chicken.
What is elastic demand?Elastic demand means that the demand for goods changes based on economic factors like income or price.
Goods with elastic demand usually have substitutes because they are wants and not needs.
Thus the items that have elastic demand include A. Apple Juice, B. Jeans, and D. Chicken.
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. In one sentence describe the purpose of the 1) income
statement and the 2) balance sheet. 3) After a company pays off its short-term liabilities, income taxes, and dividends to shareholders, in which section of the balance sheet is the remainder of the profit represented
The purpose of the income statement is to provide a summary of a company's revenues, expenses, and net income over a specific period, typically a fiscal year, to assess its financial performance.
The purpose of the balance sheet is to present a snapshot of a company's financial position at a specific point in time by showing its assets, liabilities, and shareholders' equity.
An income statement, also known as a profit and loss statement or statement of earnings, is a financial statement that summarizes the revenues, expenses, gains, and losses of a company over a specific period of time. It provides a snapshot of a company's financial performance and indicates whether it has generated a profit or incurred a loss during the period.
After a company pays off its short-term liabilities, income taxes, and dividends to shareholders, the remainder of the profit is represented in the retained earnings section of the balance sheet.
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Which is a short term consequence of making a late payment on your bill
Answer:
There will be a late fee added to the bill.
Answer:
just if you don't think the person on top of me is right he is I did the quiz and got a 100%
Explanation:
The SAFe Scrum Master role includes responsibilities to which other group?
o Business owners
o Solution Management
o Solution Train Engineers
o The other Agile Teams on the Agile release train (ART)
The SAFe Scrum Master role includes responsibilities towards the other Agile Teams on the Agile Release Train (ART). So, correct option is D.
The Agile Release Train is a collection of Agile teams that work together to deliver a product increment during a fixed time frame known as a Program Increment (PI). The Scrum Master in the SAFe framework plays a crucial role in facilitating the Agile processes for the team and helping to remove any impediments that are blocking the team's progress.
The Scrum Master collaborates with the other Scrum Masters on the ART to help manage cross-team dependencies and ensure that the teams are working towards a shared goal.
The Scrum Master also participates in Scrum of Scrums meetings, where representatives from each Agile team on the ART discuss progress, impediments, and other issues affecting the overall delivery of the product increment.
Therefore, the SAFe Scrum Master role has a significant responsibility towards the other Agile teams on the ART to ensure effective collaboration and timely delivery of product increments.
So, correct option is D.
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banker county has outstanding $5 million of term bonds that bear interest at 6% payable semiannually each january 30 and july 30. the county s fiscal year-end is 12/31. on december 28, 2006, the county transferred $300,000 to the debt service fund. at december 31, the maximum amount the debt service fund may recognize as interest expenditure is
The maximum amount the debt service fund may recognize as interest expenditure at December 31 would be $150,000 ($5,000,000 x 6% x 6/12).
This is because the county's fiscal year-end is December 31, and the interest payment dates are January 30 and July 30. Therefore, the interest expense recognized for the fiscal year ended December 31, 2006, would only include the interest accrued for the period from July 30, 2006, to December 31, 2006.
The transfer of $300,000 to the debt service fund on December 28, 2006, would be recorded as a cash inflow for the fund but would not affect the amount of interest expenditure recognized for the fiscal year ended December 31, 2006. The $300,000 transfer would be used to pay the interest due on January 30, 2007, and reduce the outstanding bond principal.
Thus, the maximum amount of interest expenditure recognized by the debt service fund for the fiscal year ended December 31, 2006, would be based on the interest accrued for the six months ending December 31, 2006, which is calculated as $150,000.
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The association stradegy is used to_________information
Answer:
The association strategy is used to help memorized information.
Explanation:
A benefit of using association is that it allows the learner to be creative and have fun. ... The association strategy is used to help memorized information.
Which of the following statements is true?
A. Rapid growth spurs increases in market share and profits and thus, is always a blessing.
B. Firms that grow rapidly only very rarely encounter financial problems.
C. The cash flows generated in a given time period are equal to the profits reported.
D. Profits provide assurance that cash flow will be sufficient to maintain solvency.
E. Due to required cash investments in current assets, fast-growing and profitable companies can literally "grow broke".
F. None of the above.
The statement that is true among the given options is E. Due to required cash investments in current assets, fast-growing and profitable companies can literally "grow broke."
While rapid growth can bring benefits such as increased market share and profits (option A), it can also create challenges for companies. Fast-growing firms often need to invest heavily in current assets, such as inventory and accounts receivable, to support their expansion. These investments require cash outflows, which can strain the company's liquidity and potentially lead to cash flow problems.
Option B, stating that firms that grow rapidly only very rarely encounter financial problems, is not necessarily true. Rapid growth can put a strain on a company's financial resources, and if not managed properly, it can lead to financial challenges.
Option C, stating that cash flows generated in a given time period are equal to the profits reported, is not always true. Cash flows and profits can differ due to non-cash expenses, timing differences, and other factors.
Option D, stating that profits provide assurance that cash flow will be sufficient to maintain solvency, is not necessarily true. Profits do not guarantee sufficient cash flow, as cash flow depends on various factors such as working capital management, capital expenditures, and debt service obligations.
Therefore, the most accurate statement among the given options is E. Due to required cash investments in current assets, fast-growing and profitable companies can literally "grow broke."
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Which group is legally responsible for implementing
protection and controls that ensure your workplace
meets safety standards?
A. Employers
B. Unions
C. Employees
D. Government
Answer:
A
Explanation:
Answer:
It SHOULD be employers but i may be wrong... if i'm not CAN I PLES HAVE BRAINLYIEST
Explanation:
Also, if i'm right there is no need to thank me unless you want too
(a) Define "innovation"; in your response be sure to describe at least two different types (or degrees) of innovation.
(b) When thinking about innovation diffusion, marketers tend to divide the population into five groups. Name and describe the characteristics of those groups.
(c) Recently, the company Nadix released a line of "smart" yoga pants with built-in haptic vibrations that gently pulse at the hips, knees, and ankles to encourage the user to move and/or hold positions. The company has decided to market the product so that it has symbolic meaning for health-conscious consumers. Describe how products can serve an "emblematic" symbolic function and what Nadix could do to market their yoga pants with this function in mind.
A. Innovation can be defined as the process of creating and implementing new ideas, products, or processes that bring about positive change. There are several types or degrees of innovation, including incremental innovation and disruptive innovation.
B. When considering innovation diffusion, marketers often divide the population into five groups based on their adoption behavior. These groups are Innovators, Early adopters, Early majority, Late majority, and Laggards.
C. Products can serve an "emblematic" symbolic function by representing or symbolizing certain values, beliefs, or aspirations. In the case of Nadix's "smart" yoga pants, they can be marketed in a way that positions them as a symbol of health consciousness and an active lifestyle.
A. 1. Incremental innovation refers to making small improvements or enhancements to existing products, services, or processes. It involves making gradual changes that build upon existing knowledge and technologies. For example, a smartphone company may release a new model with upgraded features or improved performance.
2. Disruptive innovation, on the other hand, involves the introduction of a completely new product, service, or process that disrupts and transforms an existing market. It often creates a significant shift in the way things are done. For instance, the introduction of smartphones disrupted the market for traditional cell phones and transformed the way people communicate and access information.
(b) 1. Innovators: These individuals are the first to adopt new products or ideas. They are adventurous, risk-takers, and enjoy trying new things. Innovators typically have higher incomes and social status, and they play a crucial role in spreading awareness and acceptance of innovations.
2. Early adopters: Early adopters are opinion leaders who adopt new products or ideas shortly after the innovators. They have a higher degree of social influence and are well-connected within their social networks. Early adopters are often respected and sought after for their opinions and recommendations.
3. Early majority: The early majority represents the average consumers who adopt new products or ideas after they have been tested and accepted by innovators and early adopters. They rely on the opinions and experiences of others before making their own decisions.
4. Late majority: The late majority consists of individuals who adopt new products or ideas only after the majority of the population has already done so. They tend to be more skeptical and cautious, often waiting for the innovation to become the norm before embracing it.
5. Laggards: Laggards are the last group to adopt new products or ideas. They are typically resistant to change and prefer to stick with familiar and established options. Laggards may adopt an innovation only when it becomes absolutely necessary or when there are no alternatives available.
(c) To market the yoga pants with this symbolic function in mind, Nadix could:
1. Use imagery and messaging that portrays individuals wearing the pants as fit, confident, and engaged in a healthy lifestyle. This can create an aspirational appeal and attract health-conscious consumers who want to embody those qualities.
2. Collaborate with fitness influencers or celebrities who are known for promoting a healthy and active lifestyle. This can help create a positive association between the yoga pants and the desired symbolic meaning.
3. Leverage social media platforms and online communities to share user-generated content showcasing the pants being worn during various fitness activities. This can generate a sense of community and reinforce the symbolic connection between the product and a health-conscious lifestyle.
4. Highlight the innovative features of the pants, such as the built-in haptic vibrations, as evidence of the brand's commitment to providing cutting-edge solutions for health and wellness.
By incorporating these strategies, Nadix can effectively market its yoga pants as an emblematic symbol of health consciousness, attracting and resonating with its target audience.
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A company has $10,710 available per month for advertising. Newspaper ads cost $180 each and can't run more than 22 times per month. Radio ads cost $560 each and can't run more than 31 times per month at this price
Answer:
22 radio advertisements will be used.
Explanation:
Note: A similar complete question is as follow as the question provided is incomplete "A company has $11,970 available per month for advertising. Newspaper ads cost $110 each and can't run more than 25 times per month. Radio ads cost $410 each and can't run more than 32 times per month at this price. Each newspaper ad reaches 5950 potential customers, and each radio ad reaches 7100 potential customers. The company wants to maximize the number of ad exposures to potential customers. Use n n for number of Newspaper advertisements and r r for number of Radio advertisements . Maximize P"
Number of potential customers that can be reached due to each dollar spent in newspaper advertising = 5950 / 110 = 54.09
Number of potential customers that can be reached due to each dollar spent in Radio advertisements = 7100 / 410 = 17.32.
As the number of potential customers reached by each dollar spent is more from the newspaper advertising, we will use all the newspaper advertising opportunities before going for the radio advertisements. So, we will choose to have 25 newspaper advertisements in the month.
The cost of 25 newspaper advertisements = 25*110 = $2750.
Amount left = $11970 - $2750 = $9220.
Number of radio advertisements possible in this budget = 9220 / 410 = 22.48
Hence, 22 radio advertisements will be used.
Which of the following is a “DON’T” regarding scannable résumés?
a.
Print on white paper with black ink
b.
Use special characters like italics and underlining
c.
Add spaces before and after slashes
d.
Use a clean and neat overall format
Please select the best answer from the choices provided
A
B
C
D
Answer:
B
Explanation:
took it on edge2020 :)
When it comes to scannable resumes, it is not recommended that you b. Use special characters like italics and underlining.
How should scannable resumes be designed?Because they are to be scannable, they are not to have complicated characters that might be unscannable such as special characters and underlining.
They should be printed on white paper using black ink only, and should have a format that is best described as being neat and clean.
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Azzura is comparing different cars and believes that the sedan has a better mix of benefits in relation to price than the sports utility vehicle she compared it against. This example best demonstrates the concept of
The comparison of different cars and believes that the sedan has a better mix of benefits in relation to price is known as B2B marketing.
What is B2B marketing?Business-to-business (B2B) is a form of transaction between businesses, a wholesaler and a retailer.
Business-to-business is conducted between companies, instead of a company and individual consumer.
Hence, the comparison of different cars and believes that the sedan has a better mix of benefits in relation to price is known as B2B marketing.
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Catalina opens a fashion boutique with the money she inherited from her parents. She is successful in creating a strong brand image and a loyal customer base. In order to meet the increasing demands of her business, she hires a store manager. However, she finds it hard to let the manager make important decisions about the store. She often finds herself disagreeing with the manager's decisions, and in the process, she loses a lot of existing customers. Which of the following causes of small-business failure does this scenario best illustrate?
As Catalina often finds it hard to let the manager make important decisions about the store and finds herself disagreeing with the manager's decisions, and in the process, then, the causes of small-business failure that this scenario best illustrate is known as inability to cope with growth.
What is meant by small business?In a business organization, the term "small business" are often used to describe those privately owned corporation, partnership or sole proprietorship that has fewer employees and less annual revenue than a corporation or regular-sized business.
In an economy, the type of businesses are vital for the syste, because they provide opportunities for entrepreneurs and create meaningful jobs with higher job satisfaction than positions with larger, traditional companies.
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T F Credit reports are issued monthly, so you know how much money topay toward your credit card bill.
Answer:
False
Explanation:
A financial statement can be defined as a document used for the formal communication or disclosure of financial information and statements to present and potential users such as investors and creditors. These includes balance sheet, statement of retained earnings and income statement.
Generally, financial statements are issued to recipients on a monthly basis.
A credit report can be defined as a financial document that comprises of detailed information about a person's credit history or activities with respect to borrowed money (loans). It is usually prepared by a credit bureau.
A credit score can be defined as a numerical expression between 300 - 850 that represents an individual's financial history and credit worthiness. Therefore, a credit score determines the ability of a borrower to obtain a loan from a lender.
This ultimately implies that, the higher your credit score, the higher and better it is to obtain a loan from a potential lender.
In conclusion, credit reports are issued to a customer on request and at any given time, so he or she knows how much money to pay toward your credit card bill.
1. To begin to understand stocks, we have to know what companies sell stock. Define: What is a corporation?
Answer:
Here is a guide...
Explanation:
One place to find lists of index components or company stocks that make up an index is the website of the index maker. For example, you can find the list of company stocks included in the Nasdaq 100 by going to Nasdaq.com. Going straight to the primary source—the website of the index maker—is usually ideal.
he quantity of U.S. bonds foreigners want to buy is taken into account a. in the U.S. supply of loanable funds and the supply of dollars in the market for foreign-currency exchange. b. in the U.S. supply of loanable funds and the demand for dollars in the market for foreign-currency exchange. c. in the U.S. demand for loanable funds and the supply of dollars in the market for foreign-currency exchange. d. in the U.S. demand for loanable funds and the demand for dollars in the market for foreign-currency exchange.
Answer: c. in the U.S. demand for loanable funds and the supply of dollars in the market for foreign-currency exchange.
Explanation:
Bonds are a type of loanable funds which are issued to gain access to cash for certain activities. Both countries and companies do this. When the U.S. government issues bonds, they do so taking into account the amount of funds they would need to fund what it is they want to funds.
They also do so taking into account, the amount of dollars needed by in the foreign-currency exchange market so that they can pump enough dollars into the world economy.
An HR manager solves a paperwork snag involving an employee’s paycheck. compensationand benefit, True or False?
True, An HR manager solves a paperwork snag involving an employee’s paycheck.
What part does HR play in benefits?
According to SHRM, one of the key roles of human resources is to inform employees about the various kinds of employee benefits, including leave of absence policies, employee support programs, and worker's compensation benefits.
Managers of human resources offer discreet advice to employees who require personal support.
What potential facets of employee benefits might an HR manager oversee?
Managers of human resources are frequently charged with overseeing wages and benefits for employees.
In order to provide effective leadership within the HR division, insurance plans must be negotiated, payments must be made on time, and employee benefit packages must be improved and developed.
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With the help of online research, write a short report on “glocalization.”
The phenomena of Glocalization, which is best described as Thinking Globally, Acting Locally, is created when the two terms of globalisation and localization are combined.
To put it more properly, we may say that although if a single brand is produced, sold, and distributed globally, it is nevertheless personalised and customised to suit the tastes and preferences of customers in the many global marketplaces.
It is carried out since each region of the world has its own unique culture, linguistic preferences, demands, and desires.
By adjusting their offerings and products to meet the needs of that specific market, businesses may effectively position and place their items, resulting in high revenues and devoted customers.
The following are all global brands, although they cater to the demands of their customers in various parts of the world while selling items.
Chips by Lays (They sell different flavours in different parts of the world, according to the taste preference and eating habits of that country).
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Becca has $500 to open a checking account. She wants an account with the lowest fees. She writes about 12 checks per month and her employer has direct deposit. She plans to only use her bank's ATM four times a month. Bank Account Terms and Conditions Bank Account terms and conditions. Bank B is best for Becca. Which checking account would be best for Becca? Account A Account B Account C Account D.
People often have different types of account. The checking account that would be best for Becca is Account B
A checking account is known to be a type of bank account that gives room for customers to male quick and easy deposit and withdrawal of their money for daily transactions.It often includes depositing a check that a person receive, taking out cash with your debit card or setting up direct deposit for your paychecks.
Looking at the Account B in the picture attached you will see that the option be is the best for Becca.
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Answer:
Account B
Explanation:
pro verified this trust
What is one difference between common and preferred stock?
A. Common stockholders receive higher dividends than preferred
stockholders,
B. Holders of common stock are paid off sooner than holders of
preferred stock if the business goes bankrupt.
C. Common stock costs more than preferred stock
D. Common stock value can appreciate more than preferred stock.
Answer:
C. Common stock costs more than preferred stock
Explanation:
An assumption of Theory Y is that:
A) threat of punishment is not necessary to get effort from employees.
B) threat of punishment is the best way to get effort from employees.
C) most employees are not capable of accepting responsibility.
D) commitment has no relationship to rewards.
An assumption of Theory Y is that: A) threat of punishment is not necessary to get effort from employees.
Option A is the correct assumption of Theory Y. Theory Y is a management theory proposed by Douglas McGregor that assumes employees are inherently motivated, responsible, and capable of self-direction. It suggests that employees are intrinsically motivated and will put forth effort in their work without the need for external threats or punishment.
This assumption contrasts with Theory X, which assumes that employees are inherently lazy and need strict supervision and punishment to perform their jobs effectively.
Overall, Theory Y promotes a positive and optimistic view of employees, assuming their willingness to contribute and excel in the workplace without the constant threat of punishment or coercion.
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This question is in two parts. There are three Job Evaluation
methods: Ranking, Classification, and Point Method:
1) Which method do you believe is more effective?
2) If you were the Director of Compe
An organized method of determining a particular job's worth in comparison to other roles within an organization is through job evaluation.
The goal of job assessment is to develop a framework for comparing the worth of various occupations so that there is some basis for how pay is determined for distinct roles.
Although the ranking technique is clear-cut and easy to use, it could not have the accuracy and distinctiveness required for more intricate job assessments.
Therefore, regarding the job evaluation are:
The effective method is the ranking method.Director compensation will choose a job evaluation method for the company.To know more about the Job Evaluation, visit:
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Select all that apply) Which are features of refund advance 0% APR and includes no loan fee or Available in five possible loan amounts ($250 $500 $750 $1,250 $3,500 or the client selects which they receive or It is loaded typically within 24 hours to the client H&R Block Emerald Prepaid Master Card
These are features of Refund Advance:
0% APR and includes no loan fee.The client selects which tier they receive.Available in five possible loan amounts ($250 $500 $750 $1,250 $3,500 or the client selects which they receiveWhat is a Refund Advance?Refund Advance is a no-interest loan that is repaid with your tax refund. If approved, a loan will be issued in one of five amounts ($250, $500, $750, $1,250, $3,500). Refund Advance is a loan issued by Pathward, N.A., Member FDIC; it is not one's tax refund.
Therefore, the correct answers are as given above
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A person who is a good employee of a multinational company means that he is fit to be an entrepreneur. TRUE or FALSE