What are the 3 key goals of the underwriting function?
What are the 3 key goals of a claims adjuster when settling claims?
What are 3 reasons that reinsurance is used?

The query that will output all products with their expiration date (one year from the purchase date) is SELECT P_CODE, P_INDATE, ADD_MONTHS(P_INDATE, 12) AS EXPDATE FROM PRODUCT ORDER BY P_CODE.

We don't have ADD_Years() function in sql so option C is not valid. To_Date or To_Char function can be used to convert the date to particular date Format. So option a,option b can't be used directly.

Output is the amount of products or services produced in a given time period (for example, a year). Output for a business manufacturing a single commodity could simply be the number of units produced in each time period, such as a month or a year.

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The correct answer is none of the above. To find the present value (PV) of the 11th payment of the mortgage, we need to calculate the quarterly payment amount first.

First, we convert the annual interest rate to a quarterly rate by dividing it by 4. In this case, the quarterly interest rate would be 5% / 4 = 1.25%.
Next, we calculate the number of payments over the life of the mortgage.  Since the mortgage matures in 10 years and is paid quarterly, there will be 10 * 4 = 40 payments.
Now, we can calculate the quarterly payment amount using the present value of an ordinary annuity formula:
[tex]PV = PMT * (1 - (1 + r)^-n) / r[/tex]
where PV is the present value, PMT is the payment amount, r is the quarterly interest rate, and n is the number of payments.
Plugging in the values:
[tex]PV = PMT * (1 - (1 + 0.0125)^-40) / 0.0125[/tex]
Now, we can solve for PMT by rearranging the formula:
PMT = PV * r / (1 - (1 + r)^-n)
Plugging in the values:
[tex]PMT = 150,000 * 0.0125 / (1 - (1 + 0.0125)^-40)[/tex]
Solving this equation, we find that the quarterly payment amount is approximately $1,464.62.
To find the total payment for the 11th payment, we multiply the quarterly payment by 11:
Total payment for the 11th payment =[tex]$1,464.62 * 11 = $16,110.82[/tex]
Therefore, the correct answer is none of the above.

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Jean should limit his recommendation to disability insurance and make sure that he finds the most cost-effective product on the market.

Given that Alice finds Jean's proposal too expensive and cannot afford the premiums, it is important for Jean to respect her financial limitations. By focusing on disability insurance, Jean can provide Alice with coverage that is essential for protecting her income in case she becomes disabled and unable to work.

Jean should carefully research and compare different disability insurance options to find one that offers sufficient coverage at a more affordable price. This way, he can address Alice's needs while taking into consideration her financial constraints. It is not necessary for Jean to recommend that Alice consult with another insurance agent or obtain mortgage disability insurance from her bank, as these may not be the most suitable options for her situation.

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The present value of the periodic amounts due at the end of each period for 9 periods, compounded at 12%, is $325.23940

To compute the present value of the periodic amounts, we will use the appropriate interest table.

First, we need to find the factor for the given interest rate and number of periods. In this case, we are given a 12% interest rate and 9 periods.

Using the interest table, locate the factor for 12% and 9 periods. The factor for this combination is 6.35218.

To calculate the present value, multiply the periodic amount by the factor. In this case, the periodic amount is $51.270.

So, the present value can be calculated as follows:

Present Value = Periodic Amount x Factor
Present Value = $51.270 x 6.35218
Present Value = $325.23940

Therefore, the present value of the periodic amounts due at the end of each period for 9 periods, compounded at 12%, is $325.23940.

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The NPV of this opportunity can be calculated by discounting the cash flows and subtracting the initial investment.

To calculate the NPV, we need to discount the cash flows to their present value and subtract the initial investment.

In this case, Marian's initial investment is denoted as "A" and the additional investment at the end of the second year is denoted as "B". The cash flows occur at the end of each of the next years.

The present value of the cash flows can be calculated using the formula:

PV = C1/(1 + r) + C2/(1 + r)^2 + ... + Cn/(1 + r)^n

Where C1, C2, ..., Cn represent the cash flows for each year, r is the interest rate per year, and n is the number of years.

After calculating the present value of the cash flows, we subtract the initial investment to find the net present value (NPV):

NPV = PV - A

If the NPV is positive, it indicates that the investment is profitable and Marian should consider taking it. If the NPV is negative, it suggests that the investment may not be financially viable.

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An unintended consequence of a price floor in the airline industry was the airlines serving lower quality food, such as bologna sandwiches instead of steak sandwiches to save on expenses.

When a price floor is set above the equilibrium price, it prevents prices from falling to their natural market level. As a result, airlines faced higher costs due to the price floor and looked for ways to cut expenses. Serving lower quality food was one strategy they used to save money. It is important to note that unintended consequences can occur when market interventions disrupt the natural functioning of supply and demand.

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Banks often price loans according to borrowers' creditworthiness and the quality of collateral.

When banks assess the creditworthiness of borrowers, they evaluate factors such as their credit history, income stability, debt-to-income ratio, and overall financial health. Based on this assessment, the bank determines the interest rate for the loan. A borrower with a higher credit score and lower risk profile may receive a lower interest rate compared to a borrower with a lower credit score and higher risk.

In addition to creditworthiness, banks also consider the quality of collateral provided by the borrower. Collateral is an asset or property that the borrower pledges as security for the loan. If the borrower defaults on the loan, the bank can seize and sell the collateral to recover its losses.

The quality and value of the collateral can influence the interest rate charged on the loan. Higher-quality collateral may result in a lower interest rate, as it provides better security for the bank.

Banks use borrowers' creditworthiness and the quality of collateral as key factors in pricing loans. These factors help the bank assess the risk associated with the loan and determine the appropriate interest rate to compensate for the risk. By considering these factors, banks aim to mitigate the potential losses and ensure the profitability of their lending activities.

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Priorities can vary depending on individual goals and aspirations. To allocate time effectively, it's important to create a balanced schedule.

Dedicate sufficient time to academic coursework, as it forms the foundation of your MBA education. Networking is another vital aspect, so allocating time for attending events, joining clubs, and building relationships with classmates and professionals in your desired field can be beneficial.

Lastly, recruiting activities, such as attending career fairs, participating in mock interviews, and networking with potential employers, should be prioritized to secure post-MBA job opportunities. Time management skills will be crucial in juggling these priorities. Remember to be adaptable and flexible in order to make the most of your MBA experience.

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A. Efficiently dumping waste into the river depends on comparing the benefit to Paper Works Inc. with the damages caused. If the benefit to Paper Works Inc. from dumping waste is $75 million annually, and the damages are $50 million, it is not efficient to dump the waste.

The harm caused to the anglers and the fishing resort outweighs the benefit to Paper Works Inc. However, if the benefit is $25 million, it could be considered efficient as the benefit to the company exceeds the damages caused.

B.

a. If the benefit to Paper Works Inc. from dumping waste is $75 million and the court orders them to pay damages of $50 million, Paper Works Inc. would likely continue dumping waste since the benefit outweighs the cost of damages. This outcome is not efficient as the damages caused to the anglers and the fishing resort are not fully compensated.

b. If the benefit to Paper Works Inc. is $25 million and the court orders them to pay damages of $50 million, it would not be efficient for Paper Works Inc. to continue dumping waste. The damages exceed the benefit, making it economically inefficient for the company.

C. Part B is an application of the Normative Coase Theorem. The Normative Coase Theorem suggests that if property rights are well-defined and transaction costs are low, bargaining between the parties involved can lead to an efficient outcome. In this case, the court orders Paper Works Inc. to pay damages to compensate the anglers, aiming to achieve an efficient resolution.

D. One practical problem courts may face when imposing damages in situations like this is accurately determining the value of the damages caused. Putting a precise monetary value on the harm suffered by the anglers and the fishing resort can be challenging. Additionally, there might be difficulties in establishing a causal link between the actions of Paper Works Inc. and the damages experienced downstream. These practical challenges can impact the accuracy and fairness of the damages imposed by the court.

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The demand, supply and price of product depends on the external factors like social and political, if the government adds tax on the toxic animals then it effects the business of Calla where the demand graph goes downwards and the equilibrium also decreases.

The demand and supply can be represent graphically to find the variation in the price and preference of the product. The graph is shown by the curve that spots upward when the demand increases and when the demand or supply decreases then the slope also comes down. The positive curve shows that there is a growth in the demand of the product. Here also there are x and y axis that represent the price , demand, supply or the quantity. It also provides the visual example and also explains the relation between the products demand and supply.

Hence by the polices and rules that is drafted by the government also effects the products the graph. If the government increases the tax on toxic animals then there will be drop in the demand so the graph moves negatively and also it moves in downward direction.

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One way American Tower corporation should improve its CSR in product marketing and community responsibility is by increasing transparency and communication about the impact of their products on the community.

They should create an ethical marketing policy which is not misleading and prioritizes the community's welfare, including environmental and social responsibility. ethical marketing policy includes a set of principles that prioritize honesty, fairness, and responsibility. American Tower Corporation should be transparent in their marketing campaigns about the impact of their products on the community. This means they should use language that is clear and not misleading, and they should disclose any environmental or social impacts of their products.

Community responsibility involves being accountable for the impact of their products on the community. This requires American Tower Corporation to engage with stakeholders and ensure that their products meet the community's needs and expectations. They should establish a dialogue with community members and seek feedback from them on how to improve their products.The company should also ensure that their products are environmentally sustainable. They can achieve this by reducing the environmental impact of their products, such as by reducing energy consumption or using environmentally friendly materials.

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a. For 4.2 percent compounded daily, the present value (P) of $3500 is approximately $3,085.67.

b. For 4.9 percent compounded monthly, the present value (P) of $3500 is approximately $3,022.43.

c. For 5.2 percent compounded quarterly, the present value (P) of $3500 is approximately $2,997.47.

d. For 5.4 percent compounded annually, the present value (P) of $3500 is approximately $2,989.14.

Lisa should invest $3,085.67 at 4.2 percent compounded daily to have $3,500 at the end of three years.

Given choices and interest rates:4.2 percent compounded daily 4.9 percent compounded monthly5.2 percent compounded quarterly5.4 percent compounded annually We are supposed to find the amount Lisa should invest today so that she has $3,500 at the end of three years.For solving this, we will use the formula:   A = P [tex](1+\frac{r}{n})^n^t[/tex] , where:

P = amount invested

r = rate of interest

n = number of times compounded

t = time period

A = amount at the end of the time period

As the question is asking for the present value, we rearrange the formula and we get:P = A/ [tex](1+\frac{r}{n})^n^t[/tex] The amount required to be invested with each interest rate is:

a. For 4.2 percent compounded daily:   P = 3500/(1 + 0.042/365)¹⁰⁹⁵ = $3,085.67

b.For 4.9 percent compounded monthly:   P = 3500/(1 + 0.049/12)³⁶ = $3,022.43

c. For 5.2 percent compounded quarterly:  P = 3500/(1 + 0.052/4)¹² = $2,997.47

d. For 5.4 percent compounded annually:   P = 3500/(1 + 0.054)³ = $2,989.14

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To determine the contribution of the substitution effect and the income effect on the change in the quantity demanded of X, we need to compare the quantities demanded before and after the price change. Subtract the quantity demanded before the price change from the quantity demanded after the price change to find the change in the quantity demanded.

a) To maximize utility, the consumer should allocate their budget such that the marginal utility per dollar spent on both goods is equal.  First, calculate the marginal utility of X (MUx) and the marginal utility of Y (MUy) using the given utility function:
MUx = dU(X,Y)/dX = Y
MUy = dU(X,Y)/dY = X

Next, calculate the ratio of marginal utilities:
MUx/MUy = Y/X Since PX/PY = 4.50/2 = 2.25, the ratio of prices should be equal to the ratio of marginal utilities:
2.25 = Y/X Now, we know that the consumer has $180 to spend. Let's denote the amount of X purchased as X* and the amount of Y purchased as Y*.  

Substitute the given prices and the ratio of marginal utilities:
4.50*X* + 2*Y* = $180 .

b) To find the total utility, substitute the values of X* and Y* into the utility function U(X,Y) = X*Y:
Total utility = U(X*, Y*) = X* * Y* .

c) If PX decreases to 2, the new ratio of prices is 2/2 = 1. The consumer will demand a new bundle of X and Y that satisfies this ratio.  

d) To find the amount of money needed to maintain the same utility level after the price change, we need to calculate the total utility before and after the price change.

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"e. Standard industrial classifications like the SIC or NAICS" will be most useful for Western Gear to find potential clients for its gears.

Standard industrial classifications like the SIC (Standard Industrial Classification) or NAICS (North American Industry Classification System) are classification systems used to categorize and group businesses based on their industry or economic activity. These classifications provide a standardized framework for organizing and identifying potential clients or target markets.

In the case of Western Gear, which offers a wide variety of stock and bespoke gears, utilizing standard industrial classifications can help identify industries or sectors where there is a demand for gears. By identifying the relevant SIC or NAICS codes associated with industries that require gears, Western Gear can narrow down its target market and focus its marketing efforts on those specific industries.

While other methods mentioned, such as SWOT analysis, survey, focus group, or hiring a market research firm, can also provide valuable insights, utilizing standard industrial classifications can serve as an efficient and practical approach to identifying potential clients within specific industries or sectors.

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The market model-adjusted abnormal returns for ABC and DEF are closest to -4.2% and 17.2%, respectively. This indicates that ABC's share prices decreased by 4.2% more than expected, while DEF's share prices increased by 17.2% more than expected after the merger announcement.

In an event study analyzing the influence of a merger announcement on the share prices of ABC (the acquirer) and DEF (the target), the market model-adjusted abnormal returns are used to assess the impact. The market model takes into account factors such as market-wide movements and the individual stock's sensitivity to these movements. It calculates the expected returns based on these factors, and the difference between the actual returns and expected returns represents the abnormal returns.

The given information states that the market model-adjusted abnormal returns for ABC are -4.2% and for DEF are 17.2%.This means that ABC's share prices experienced a decrease of 4.2% beyond what was expected, while DEF's share prices increased by 17.2% beyond expectations.

These abnormal returns indicate the extent of market reaction to the merger announcement for both companies. A negative abnormal return for ABC suggests that the market perceived the merger as potentially unfavorable for the acquirer, resulting in a decrease in share prices. Conversely, a positive abnormal return for DEF implies that the market perceived the merger as potentially beneficial for the target, leading to an increase in share prices.

Overall, these findings provide insights into how the market perceives the merger announcement and the potential impact on the respective companies' share prices.

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Rawlinson should focus on targeting the correct market, clearly explain the value of the Quartz product, and promote it through strategic marketing to create awareness and trust.

Rawlinson should start by figuring out which market segment would be interested in the Quartz product based on its unique features and value. Knowing the needs and preferences of this segment will allow Rawlinson to create marketing and sales strategies that are tailored to this audience. This way, they can generate interest and demand for the Quartz product from the right customers.

Rawlinson should create marketing messages that show the advantages of the Quartz shower, such as its innovative technology, easy installation, and high performance. This will help make the Quartz stand out from other products and show its value. These messages should be shared through advertising, online marketing, and public relations.

Rawlinson should make Quartz more visible through targeted advertising, online marketing, and partnerships. They should also use customer reviews and testimonials to show potential customers how satisfied existing users are and build trust in the product. This will give people confidence to choose Quartz over other options. By implementing these strategies, Rawlinson can effectively generate sales momentum for the Quartz product and drive its success in the market.

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When Paper Company acquires 80 percent of Scissor Company's outstanding common stock for $296,000 on January 1, 20, the book value of the Scissor Company's assets should be $370,000.

The solution lies in computing the value of the 80 percent of Scissor Company's outstanding common stock and comparing it with the company's book value.The formula to use when computing the value of the 80 percent of Scissor Company's outstanding common stock.

Acquisition cost / percent of stock acquired = Value of Scissor Company's outstanding common stock
whereby:
Acquisition cost = $296,000
Percent of stock acquired = 80%

Substituting the values in the formula:

$296,000 / 80% = $370,000

This means that Scissor Company's book value should be equal to $370,000.

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The stakeholder register information can be used to evaluate the interests of different stakeholder groups by performing a stakeholder analysis to identify common areas of interest between the groups.

Stakeholder analysis is a systematic process that helps identify and understand the needs, expectations, and interests of different stakeholders. By analyzing the information gathered in the stakeholder register, organizations can gain insights into the various stakeholder groups and their concerns.

Through stakeholder analysis, organizations can identify common areas of interest between different stakeholder groups. This allows for the development of strategies and actions that address shared interests and promote collaboration and cooperation. Recognizing common interests can foster better relationships with stakeholders, enhance stakeholder engagement, and contribute to the overall success of projects or initiatives.

Stakeholder analysis also helps organizations to identify potential conflicts or areas of divergence between stakeholder groups. By understanding the interests of different stakeholders, organizations can proactively manage conflicting interests and find ways to mitigate or address them effectively.

Utilizing the stakeholder register information and conducting a stakeholder analysis enables organizations to assess and evaluate the interests of various stakeholder groups, identify common areas of interest, and make informed decisions that consider the needs and expectations of all stakeholders involved.

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The production possibility curve is a graph that illustrates a country's maximum output of two products, given a set of factors of production (FOP). The economy's production possibility curve (PPC) is determined by the availability of various FOPs. The FOPs are land, labour, capital, and entrepreneurial ability.

The PPC is utilized to display the maximum combination of two goods that a nation can produce when all of its FOPs are completely used. On the PPC, any point on or inside the curve represents productive inefficiency while any point outside represents unattainability.
Factors affecting PPC:
The factors that influence the PPC are as follows:
1. Technological advancements
2. Availability and quality of resources
3. Population size
4. Climate and weather conditions
5. Institutional framework
Moving of PPC:
A country's PPC might shift outward or inward depending on its ability to produce goods and services and its level of economic development.
Inward shift: When a nation's resources are depleted, the PPC shifts inward. The PPC shows the maximum amount of two goods that can be produced, and when the resources are depleted, the country's capacity to produce goods decreases. Inward shifts can occur when there is a natural disaster, a decrease in population size, or a lack of investment in capital and human resources.
Outward shift: When a nation's capacity to produce goods and services increases, the PPC shifts outward. An outward shift can occur when there is an increase in population size, an expansion of the labour force, or technological progress. The outward shift results in an increase in the production possibility of both the products, which will enhance the economy.
In conclusion, the production possibility curve is used to explain the maximum amount of two goods that a nation can produce, given a set of FOPs. An economy's PPC might shift inward or outward, depending on the country's capacity to produce goods and services and its level of economic development.

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The case of Sawyer v. Mills highlights the tension between formal legal requirements and real-world interactions.

Although the Statute of Frauds demands written evidence for certain contracts, the ruling appears unjust given the existence of an oral agreement and its secret recording. However, the secret recording itself can be deemed unethical and potentially illegal.

Examining the case, it becomes evident that while the court's decision was legally correct according to the Statute of Frauds, it can be seen as inequitable from a moral viewpoint. The Statute of Frauds was designed to prevent fraudulent claims, but here it appears to protect an employer who appears to have exploited a loophole in the law. To modify the Court's decision, one might propose that oral contracts with substantial evidence, such as a recording, should be recognized in cases where the contract's nature does not fall under the usual purview of the Statute of Frauds. This approach, however, would require a broader reconsideration of the statute's application and potentially new legislation to avoid unintended consequences.

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The amount that should be paid now for the guaranteed stream of payments is approximately SR 2,586.07. This practice provided a rate of return of approximately 8.41% to the company.

For the first scenario, where an engineer receives a year-end bonus of $10,000 and plans to invest it at a rate of 9% per year for 10 years, the cash flow diagram would look as follows:

Year 0: Initial investment of $10,000

Year 1-10: Interest earned at 9% per year

To find the amount of funds that will be available in 10 years, we can use the future value of a lump sum formula. The future value (FV) can be calculated using the formula:

FV = PV * (1 + r)ⁿ

Where PV is the present value (initial investment), r is the interest rate per period, and n is the number of periods.

Using the formula, we can calculate the future value:

FV = $10,000 * (1 + 0.09)^10

FV ≈ $23,674.35

So, in 10 years, the funds available will be approximately $23,674.35.

For the second scenario, where a guaranteed payment of SR 500 per year for 8 years is considered, we can create the following cash flow:

Year 1-8: SR 500 received each year

To determine the amount that should be paid now for this guaranteed stream of payments, we can use the present value of an ordinary annuity formula. The present value (PV) can be calculated using the formula:

PV = PMT * [(1 - (1 + r)⁻ⁿ) / r]

Where PMT is the payment per period, r is the rate of return per period, and n is the number of periods.

Using the formula, we can calculate the present value:

PV = SR 500 * [(1 - (1 + 0.16)⁻⁸) / 0.16]

PV ≈ SR 2,586.07

For the third scenario, where an investment of SR 40,000 returns SR 50,000 after 5 years, we can determine the rate of return. The rate of return can be calculated using the formula:

Rate of Return = [(Ending Value - Initial Investment) / Initial Investment] * 100

Using the formula, we can calculate the rate of return:

Rate of Return = [(SR 50,000 - SR 40,000) / SR 40,000] * 100

Rate of Return ≈ 25%

So, the rate of return for the investment is approximately 25%.

For the fourth scenario, where SR 5,000 is deposited for 15 years and covers a rework costing SR 100,000 in year 10, we can determine the rate of return. The rate of return can be calculated by rearranging the future value formula:

Rate of Return = [tex][(FV / PV)^{(1/n)} - 1] * 100[/tex]

Where FV is the future value, PV is the present value (deposit), r is the rate of return per period, and n is the number of periods.

Using the formula, we can calculate the rate of return:

Rate of Return = [tex][(SR 100,000 / SR 5,000)^{(1/15)} - 1] * 100[/tex]

Rate of Return ≈ 8.41%

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a) Yield to Maturity is $1,121.97, c) For the Abner Corporation's bonds, the required information to calculate the yield to maturity is not provided.

a. To compute the bond's yield to maturity, we can use the following formula:

Yield to Maturity = Annual Interest Payment / Market Price + (Par Value - Market Price) / Number of Years

For the Fingen bonds:

Annual Interest Payment = 8% of $1,000 = $80

Market Price = $900

Par Value = $1,000

Number of Years = 12

Yield to Maturity = $80 / $900 + ($1,000 - $900) / 12 = 0.0889 or 8.89%

b. To determine the value of the bond given your required rate of return, we can use the present value formula:

Value of the Bond = Annual Interest Payment / Required Rate of Return + Par Value / (1 + Required Rate of Return)^Number of Years

Let's assume your required rate of return is 10%. Plugging in the values:

Value of the Bond = $80 / 0.10 + $1,000 / (1 + 0.10)^12 = $800 + $321.97 = $1,121.97

c. Should you purchase the bond? Since the current market price of the bond is $900, which is lower than the calculated value of $1,121.97, it suggests that the bond is undervalued. Therefore, you should consider purchasing the bond as it appears to be a good investment opportunity.

For the Abner Corporation's bonds, the required information to calculate the yield to maturity is not provided.

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A. Muhammad Yunus - Developed microcredit and microfinance system for women entrepreneurs.

B. Harish Handoo - Emphasized triple bottom line approach for balancing social, environmental, and financial outcomes.

C. Triple Bottom Line - Focuses on achieving social, environmental, and financial results.

D. Mother Teresa - Provided healthcare, food, housing, education, and counseling to the poor in multiple countries.

Muhammad Yunus developed and launched the system of microcredit and microfinance, especially for women entrepreneurs, and won the Nobel Peace Prize. This example showcases the social entrepreneurship aspect of providing financial opportunities to underserved individuals, empowering them to improve their lives and communities (B).

Harish Handoo represents the concept of a triple bottom line, where social, environmental, and financial results are all important. This approach emphasizes the importance of addressing social and environmental issues alongside financial sustainability (C).

Mother Teresa's work in providing healthcare services, food, housing, education, and counseling to the poor in numerous countries exemplifies a social entrepreneur who focuses on making a positive impact on society (D). She was awarded the Nobel Peace Prize for her humanitarian efforts.

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The federal government should play a significant role in addressing the shortage of health care resources during the COVID-19 pandemic.

They can provide financial support and resources to hospitals, coordinate the distribution of ventilators, and ensure equitable access to healthcare. The public and private sectors should work together in a collaborative manner, with the government taking the lead in setting guidelines and regulations, while private providers contribute their expertise and resources.

To better align incentives and coordinate supply chains in future medical crises, principles such as transparency, collaboration, and information sharing can be applied. Governments and private providers should establish clear communication channels, share data on supply and demand, and collaborate on contingency plans. Incentives can be aligned by offering financial support or tax benefits to private providers who contribute to the overall goal of ensuring sufficient supply of medical resources.

Regarding the alternative hypothesis of using tax policies to achieve equality, there are a few disadvantages to consider. First, raising taxes on the wealthy and large corporations may lead to capital flight, as individuals and businesses seek more favorable tax environments elsewhere. This could result in a decrease in overall tax revenues for the government. Second, high taxes on corporations may discourage investments and economic growth, potentially leading to job losses. Lastly, there may be concerns about the efficiency of redistributing tax revenues to the poor and needy, as there could be administrative costs and potential misuse of funds.

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Journal entries are used to record financial transactions and are the first step in the accounting process. The transactions are recorded in chronological order, with the debit amount entered first followed by the credit amount.

The following are the journal entries for the events that happened during the first month of business of Fedex:

1. Issued common stock to shareholders in exchange for $30,000 cash.

Debit - Cash $30,000

Credit - Common Stock $30,000

The debit entry is made to the cash account, as the company received cash, while the credit entry is made to the common stock account because the company issued common stock in exchange for cash.

2. Purchased $2,800 of equipment on account (to be paid in 30 days).

Debit - Equipment $2,800

Credit - Accounts Payable $2,800

The debit entry is made to the equipment account, as the company purchased equipment, while the credit entry is made to the accounts payable account because the company purchased equipment on account, which means it will pay for it at a later date.

3. Interviewed three people for the position of financial analyst.

No journal entry is required for this transaction, as it does not involve any financial transaction.

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Total fixed cost does not change as output changes. The correct option is "A".

Fixed costs are expenses that remain constant regardless of the level of production or sales. These costs include items such as rent, insurance, salaries, and equipment depreciation. Since fixed costs do not vary with output, they remain the same regardless of whether production increases or decreases.

For example, if a company produces 100 units or 1000 units, the total fixed costs will remain unchanged. This is because fixed costs are not directly influenced by the level of production or sales volume. Therefore, the correct option is "A. does not change as output changes."

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I can provide you with some general information about tariffs on steel and aluminum.

Tariffs on steel and aluminum are trade policies implemented by governments to protect domestic industries and workers from foreign competition. The imposition of tariffs on these products can have both advantages and disadvantages.

Those in favor of tariffs argue that they protect domestic industries, preserve jobs, and ensure fair competition. They believe that foreign steel and aluminum products can be sold at lower prices due to subsidies or unfair trade practices, which can harm domestic producers.

On the other hand, opponents of tariffs argue that they can lead to higher prices for consumers, hurt industries that rely on imported steel and aluminum, and may provoke retaliatory actions from other countries. Additionally, they argue that tariffs can disrupt global supply chains and negatively impact international trade.

Whether or not you agree with the article's perspective on tariffs on steel and aluminum will depend on your own research, understanding, and evaluation of the topic.

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The deduction for interest expenses on an educational loan of Bongsik is $0 because his modified AGI is greater than $160,000 and he is filing jointly with his spouse. In the current year.

Bongsik paid $3,000 of interest on qualified education loans and files married filing jointly with a modified AGI of $157,000. He wants to know how much he can deduct for interest expense on an educational loan.The maximum amount that Bongsik can claim for the interest expense on an educational loan for the current year is $2,500. However, Bongsik's modified AGI of $157,000 is above the phase-out limit, which is $140,000 for a married filing jointly couple in 2020. This means that he is not eligible for any deduction. According to the IRS Publication 970, the maximum amount that can be deducted for the interest expense on an educational loan is $2,500.

To claim this deduction, the modified adjusted gross income (MAGI) of the taxpayer should not exceed $70,000 if filing as single or $140,000 if filing jointly. There are two phases of the limitation on the deduction for interest expense on an educational loan. The first phase begins when the modified AGI exceeds the threshold for the taxpayer's filing status ($70,000 if filing as single or $140,000 if filing jointly) and ends when the modified AGI reaches the end of the phase-out range ($85,000 if filing as single or $170,000 if filing jointly).During this phase, the maximum deduction gradually reduces until it reaches zero. The formula for calculating the maximum deduction during this phase is Maximum deduction = $2,500 - ([(MAGI - threshold) ÷ $15,000] x $500)The second phase starts when the modified AGI exceeds the end of the phase-out range.

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The firm's 2021 marginal tax rate is 21%.

To determine the firm's 2021 tax liability, we need to calculate the taxes payable based on the earnings before taxes (EBT) and the corporate tax rate of 21%.

Tax Liability = EBT * Tax Rate

Tax Liability = $169,500 * 0.21

Tax Liability = $35,595

The firm's 2021 tax liability is $35,595.

To determine the firm's 2021 net income, we subtract the tax liability from the earnings before taxes:

Net Income = EBT - Tax Liability

Net Income = $169,500 - $35,595

Net Income = $133,905

The firm's 2021 net income is $133,905.

To calculate the firm's 2021 average tax rate, we divide the tax liability by the earnings before taxes:

Average Tax Rate = Tax Liability / EBT

Average Tax Rate = $35,595 / $169,500

Average Tax Rate ≈ 0.21 (or 21%)

The firm's 2021 average tax rate is 21%.

The marginal tax rate represents the tax rate that applies to the next dollar of taxable income. In this case, since the tax rate is a flat rate of 21%, the marginal tax rate would also be 21%.

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For each of the pairs A and B in the table below, choose the most appropriate relationship of ≥,≤,=, and  answer:Relationship A B≤ F(T1,T2,T3)Z(T1,T3) F(T1,T3,T2)Z(T1,T2)The forward price is the expected future price of a security or commodity, whereas the futures price is the price of a contract agreed on currently for delivery at some time in the future.

The relationship between forward contracts and bonds is frequently used to forecast interest rates. In the formula for the forward price of a bond, the term interest rates must be included. If we denote the zero-coupon bond with maturity T2 by Z(T2) and assume that the forward contract is signed at time T1, the forward price of the bond can be expressed as the following: F(T1, T2) = Z(T2)/(1 + r)^{T2 - T1}where r is the current interest rate, which is known at the time the forward agreement is signed. We may use the current zero-coupon bond price and the current forward price to forecast the future interest rate by manipulating the above equation. Hence, the appropriate relationship between A and B is A ≤ B because as Z(T1, T3) becomes more significant, the price will decrease as a result of the above equation.

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