What were the ‘top 5’ most significant recommendations from the Hayne Royal Commission to improve management practices and leadership oversight in the banking sector? 4 Have these been implemented now by the Australian Government – if not, why not?

Given, the Earnings before Taxes of Linkcomn = 750000S annuallyThe company has 100% Equity and cost of raising equity is 10%.

The interest on borrowing debt is 10%.If the company takes on a debt equal to 60% of its levered value, then, the value of the company can be found as follows:As per the Modigliani and Miller model, the value of the firm can be calculated using the following formula;VL = VU + (T x D)Here,VL is the value of the levered firmVU is the value of the unlevered firmT is the tax rateD is the amount of debtLet us find the value of the firm, if it borrows debt equal to 60% of its levered value.The levered value of the firm is the total value of the company with debt.

The formula for levered value can be calculated as follows:VL = VU + TDHere,D = Debt = 60% of VL = 0.6 x VLVU = Value of the Unlevered firmVL = VU + TD = VU + 0.6 x VLVU = VL - 0.6 x VLVU = (1 - D/VL) x VLNow, let's substitute the values in the tax-adjusted formula of Modigliani and Miller model for the levered value of the company.VL = VU + (T x D) = (1 - D/VL) x VL + T x DHere, we have, T = tax rate = 30%Then,VL = (1 - D/VL) x VL + T x DVL = VL - D + 0.3DVL = VL - 0.7D0.7D = 0.3VLVL = D/0.7Putting the value of D = 0.6VL, we getVL = 0.6VL/0.7VL = 0.6/0.7 x VLVL = 0.857 x VLVL = 0.857 x EBIT / KeWe know, EBIT = 750000S and Ke = cost of equity = 10%So,VL = 0.857 x EBIT / Ke = 0.857 x 750000 / 0.1VL = 6,428,571.43.

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If a customer stops making payments on a whole life policy, all of the following are permitted except using the equity to purchase a term life policy.

Correct answer is, C. using the equity to purchase a term life policy.

An equity refers to the total value of an asset after all the liabilities are settled. In the insurance sector, equity is the amount paid by the insurer for the claims filed by the policyholder. In case the policyholder fails to make payment for a whole life insurance policy, there are some ways in which the policy can still be maintained.The following are permitted options when a customer stops making payments on a whole life policy:Takes the cash value of the contract as a lump sum.Takes a reduced paid-up whole life policy.Using the equity to purchase a non-participating policy.

A term life insurance policy is taken by an individual for a specific period of time. This insurance policy can be terminated by the policyholder at any time. Once the policy is terminated, the policyholder cannot receive any benefit from the policy, as there is no equity associated with the policy. Therefore, using equity to purchase a term life policy is not permitted when a customer stops making payments on a whole life policy.

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Analysis of ADR, OCC%, and RevPar for Individual Rate Sheet:

ADR (Average Daily Rate) is the average price charged for each occupied room per day. OCC% (Occupancy Percentage) is the percentage of rooms occupied out of the total available rooms. RevPar (Revenue per Available Room) is the revenue generated per available room.

Let's calculate ADR, OCC%, and RevPar for each day of the week based on the provided individual rate sheet:

Monday | 75 | 100% | 75

Tuesday | 75 | 100% | 75

Wednesday | 79 | 85% | 67.15

Thursday | 80 | 85% | 68

Friday | 100 | 85% | 85

Saturday | 123 | 100% | 123

Sunday | 88 | 100% | 88

Based on the calculations, the room that was used the most during the week is Room #1 with an ADR of $100. This room had 100% occupancy on Tuesday, Wednesday, Thursday, and Sunday.

This information would be useful for the hotel management team, revenue managers, and front desk staff. They can use this data to analyze the performance of different rooms, identify peak occupancy days, and make pricing and allocation decisions. It provides insights into revenue generation, occupancy patterns, and pricing strategies, enabling the hotel to optimize room utilization and maximize revenue.

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it would take approximately 24 years for your money to double when invested at a 3% interest rate with annual compounding.

To determine how long it takes for money to double when invested at a 3% interest rate with annual compounding,   use the Rule of 72. The Rule of 72 is a quick approximation that gives  an estimate of the time it takes for an investment to double based on the interest rate.

The formula for the Rule of 72 is:

Number of years to double = 72 / Interest rate

In this case, the interest rate is 3%. Plugging it into the formula, we get:

Number of years to double = 72 / 3 = 24 years

Therefore, it would take approximately 24 years for your money to double when invested at a 3% interest rate with annual compounding.

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The pricing index in 2012, based on the year 2010 as the base year, is approximately 109.1.

The pricing index is a measure that indicates the relative change in the average price level of a market basket of goods over time. In this case, we compare the cost of the market basket in 2012 to its cost in 2010.

To calculate the pricing index, we use the formula: (Cost of market basket in the given year / Cost of market basket in the base year) * 100. Plugging in the given values, we get (873 / 800) * 100, which equals 109.1. Rounding to one decimal place, the price index in 2012 is approximately 109.1.

This means that the average price level of the market basket of goods increased by about 9.1% from 2010 to 2012. The price index helps track changes in inflation or deflation, allowing us to understand the overall trend in prices over time.

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Critically discuss the importance of entrepreneurshipEntrepreneurship has gained a lot of popularity in recent years, and it has proven to be an important tool in creating jobs, economic growth and development, wealth creation, and innovation.

The following are some of the reasons why entrepreneurship is important:1. InnovationEntrepreneurship is all about innovation, and it involves coming up with new and innovative ideas and turning them into profitable businesses. Innovation leads to new products and services, improved efficiency and effectiveness, and enhanced competitiveness.2. Job creationEntrepreneurship plays a significant role in creating jobs.

Entrepreneurs not only create job opportunities for themselves but also for others in their communities.3. Economic growthEntrepreneurship contributes to economic growth and development. Entrepreneurs create businesses that contribute to the country's gross domestic product (GDP), generate tax revenue, and stimulate economic activity.4. Wealth creationEntrepreneurship is a key driver of wealth creation. Entrepreneurs create value for their customers, and in return, they earn profits, which leads to wealth creation for themselves and their stakeholders.5. Social impactEntrepreneurship has a positive social impact. Entrepreneurs can address social and environmental issues by creating businesses that provide solutions to these problems.Entrepreneurship has its advantages and disadvantages when it comes to the methods of entrepreneurship. b) Discuss with relevant examples advantages and disadvantages of using partnership as a method of entrepreneurship.Advantages of Partnership as a method of entrepreneurship:1. Shared risk and responsibilityPartnership involves shared risks and responsibilities, and this helps entrepreneurs to mitigate the risks associated with starting and running a business. Partnerships also provide access to a wider range of skills, expertise, and resources.2. Shared costs and resourcesPartnerships allow entrepreneurs to share costs and resources, which makes it easier to start and run a business. This can include sharing office space, equipment, and supplies.3. More funding optionsPartnerships have more funding options than sole proprietorships. Partners can pool their resources to obtain financing, which increases their borrowing capacity.Disadvantages of Partnership as a method of entrepreneurship:1. Personal liabilityThe biggest disadvantage of partnership is personal liability. Partners are personally liable for the debts and obligations of the partnership. This means that if the business fails, partners could lose their personal assets.2. Disagreements between partnersPartnerships can suffer from disagreements between partners. This can be due to differences in vision, decision-making styles, or conflict of interest. Disagreements can be difficult to resolve and can lead to the dissolution of the partnership.3. Limited growth potentialPartnerships have limited growth potential. Partnerships can only grow as much as the partners are willing to invest. This means that partnerships may not be suitable for businesses that require significant capital investment.Example:Apple Inc. is an example of a successful partnership. Steve Jobs and Steve Wozniak started the company as a partnership in 1976. They pooled their resources to build and sell personal computers. Their partnership helped them to share costs and resources and enabled them to obtain financing. The company grew rapidly and eventually became a publicly-traded corporation.

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The type of life insurance that has premiums that increase with age is:

C. Whole life insurance.

Whole life insurance is a type of permanent life insurance that provides coverage for the entire lifetime of the insured individual. It typically has level premiums that remain constant throughout the policyholder's life. As the insured person ages, the premiums for whole life insurance do not increase based on age.

On the other hand, term insurance, which is another type of life insurance, has premiums that remain level for a specified term, such as 10, 20, or 30 years. However, once the term expires, the premiums for renewing or extending the policy may increase based on the insured's age.

Therefore, while whole life insurance has level premiums, term insurance is the type of life insurance where premiums can increase with age after the initial term ends.

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Brief explanation of the questions are as follows:

1. The nature of the market failure that would justify the U.S. government taking action against the importation of Russian automobiles is the presence of negative externalities. Negative externalities occur when the production or consumption of a good or service imposes costs on third parties who are not directly involved in the transaction. In this case, Russian automobiles have poor gas mileage and create a great deal of air pollution, which harms the environment and public health. These costs are not accounted for in the market price of Russian automobiles, leading to an inefficient allocation of resources and an undesirable level of air pollution.

2. Imposing a tariff, which is a tax on imported goods, is considered a second-best policy in this case because it does not directly address the environmental concerns associated with Russian automobiles. While a tariff would increase the price of Russian automobiles and reduce their competitiveness in the U.S. market, it does not incentivize the adoption of cleaner-running American automobiles or address the negative externalities caused by air pollution. Furthermore, a tariff may also lead to retaliation from the Russian government, potentially escalating trade tensions between the two countries.

i) If the U.S. government carries out its own solution, a more efficient policy choice would be to implement stricter environmental regulations and standards for automobile manufacturers. By setting and enforcing stringent emission standards, the U.S. government can encourage the production and adoption of cleaner-running American automobiles. This policy directly targets the environmental concerns and promotes technological innovation to reduce pollution.

ii) If the governments of both countries cooperate, a more efficient policy choice would be to negotiate an international agreement or treaty aimed at reducing pollution from automobiles. The two countries can collaborate on setting harmonized emission standards and regulations that apply to automobile manufacturers in both Russia and the United States. By working together, they can establish a level playing field and ensure that all automobiles, regardless of their country of origin, meet the same environmental standards. This cooperative approach promotes a more efficient allocation of resources and addresses the transboundary nature of the pollution problem, leading to better environmental outcomes for both countries.

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c. Project Management Information System.

An Enterprise Environmental Factor refers to external factors that can influence a project but are outside the control of the project team. Examples of Enterprise Environmental Factors include the political climate, government regulations, market conditions, cultural influences, and organizational culture.

The Project Charter and the organization's established communication channels are both internal factors that are under the control of the organization. However, the Project Management Information System is an internal tool used by the project team to manage and control project-related information, making it an internal rather than an external factor.

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A $10 price increase results in a 16.9% rise in total income. The demand equation is Q = 100- 1/P. The price of the organic salmon (OS) is $60 per kg.

The price elasticity of demand (Ep) is given by Ep = (%ΔQd/%ΔP) * (P/Qd). By using the formula, we can calculate the price elasticity of demand at the current price:

Ep = (%ΔQd/%ΔP) * (P/Qd)= ((1/P) * (-1) * (60/(100 - 1/60))) = -0.06

Since the value of price elasticity of demand is less than 1, the demand is inelastic at this price.

Given, Demand equation, Q = 100- 1/P

The price of the organic salmon (OS) is $60 per kg.

The price elasticity of demand (Ep) is given by

Ep = (%ΔQd/%ΔP) * (P/Qd)

We can calculate the price elasticity of demand at the current price by using the formula,

Ep = (%ΔQd/%ΔP) * (P/Qd)

On simplification, we get

Ep = ((1/P) * (-1) * (60/(100 - 1/60))) = -0.06

Therefore, the price elasticity of demand at $60 per kg is -0.06.

As we know, if Ep is greater than 1, the demand is elastic, if Ep is less than 1, the demand is inelastic, and if Ep is equal to 1, the demand is unit elastic.

The value of price elasticity of demand is less than 1, so the demand is inelastic at this price.

If the price of organic salmon increases from $60 to $70 per kg, then the new quantity demanded (Q2) and original quantity demanded (Q1) can be calculated using the given demand equation:

Q1 = 100 - 1/60 = 98.33 kgQ2 = 100 - 1/70 = 98.57 kg

The percentage change in the quantity demanded can be calculated as:

%ΔQd = (Q2 - Q1)/Q1 * 100 = (98.57 - 98.33)/98.33 * 100 = 0.24%

The percentage change in the price can be calculated as:

%ΔP = (P2 - P1)/P1 * 100 = (70 - 60)/60 * 100 = 16.67%

Therefore, we can calculate the price elasticity of demand between these two prices:

Ep = (%ΔQd/%ΔP) * (P/Qd) = (0.24/16.67) * (60/98.45) = 0.04

Therefore, the price elasticity of demand between these two prices is 0.04.

As we know, if the value of Ep is less than 1, an increase in price results in an increase in total revenue, while a decrease in price results in a decrease in total revenue.

The price of organic salmon has increased from $60 to $70 per kg, and the demand is inelastic. Therefore, the total revenue will increase with the increase in price.

The effect of this price change on total revenue can be calculated as:

Total revenue (TR) = P * QTR1 = $60 * 98.33 = $5,900TR2 = $70 * 98.57 = $6,899.90

The percentage change in total revenue can be calculated as:

%ΔTR = (TR2 - TR1)/TR1 * 100 = (6,899.90 - 5,900)/5,900 * 100 = 16.9%

Therefore, there is a 16.9% increase in total revenue due to a $10 increase in price.

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Statement i) is correct. When using the needs approach to estimate the amount of life insurance, the estimated income needs of the surviving family are indeed added to other available incomes, such as social security benefits, to determine the amount of life insurance to be purchased.

This approach takes into account the financial needs of the family after the death of the insured and aims to provide sufficient funds to cover those needs.Statement ii) is incorrect. The multiple-income approach is not necessarily more accurate in estimating the needed life insurance than the needs approach. The multiple-income approach calculates the amount of life insurance based on the combined income of all income earners in the family, while the needs approach focuses on the specific financial needs of the surviving family members. The appropriate approach depends on individual circumstances and preferences. Both approaches have their merits and can be used in different situations.

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Joanna's gross income from these items is $113,700.

To calculate Joanna's gross income, we need to add up the compensation she received from her employer, the appreciation in the value of her stock, and the life insurance proceeds she received.

First, Joanna received $70,200 in compensation from her employer. This amount is included as part of her gross income.

Second, the value of her stock in ABC company appreciated by $6,300 during the year. Although she did not sell any of the stock, the increase in value is still considered income. Therefore, we add this amount to her gross income.

Lastly, Joanna received $37,200 in life insurance proceeds from the death of her husband. Life insurance proceeds are generally not taxable, so this amount does not need to be included in her gross income.

Adding up the compensation ($70,200) and the appreciation in stock value ($6,300), Joanna's gross income from these items is $76,500.

Therefore, Joanna's gross income from these items is $113,700 ($76,500 + $37,200).

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Jill's percentage return from her strategy is -9.09%. According to the International Fisher Effect (IFE), expected changes in exchange rates between currencies are a direct reflection of the difference in interest rates.

In other words, a higher interest rate currency should depreciate against a lower interest rate currency in order to maintain the interest rate parity. However, Jill Miden does not believe in the IFE and hence, plans to invest $100,000 to Euros despite the difference in interest rates of Europe (5%) and the US (3%).

We have been asked to calculate the spot rate of Euro after one year according to the IFE and also to calculate Jill Miden's return from her strategy if the spot rate of Euro in one year is $1.00.a. According to the IFE, what should the spot rate of the euro in one year

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Laura's overly permissive and structure-lacking leadership style, combined with her young and inexperienced employees, resulted in accountability issues, punctuality problems, and subpar work performance, ultimately leading to the failure of her business.

1. Comment on Laura's leadership style:

Laura Smith's leadership style can be characterized as overly permissive and lacking in structure. She believed in providing employees with the freedom to express their personal creativity and was against implementing strict rules and boundaries. While her intention was to create a positive work environment, this approach resulted in a lack of accountability and discipline within the business. Employees took advantage of the permissiveness, leading to issues such as late arrivals, sloppy work, and a general dissatisfaction with the work environment. Smith acknowledges that her leadership style was incorrect and recognizes the need for more structure and rules in order to establish a more effective and productive business.

2. The level of readiness of her employees:

Based on the information provided, the level of readiness of Laura Smith's employees can be described as relatively low. Most of the employees were young and had little work experience, which suggests they may have lacked the necessary skills, discipline, and professional habits required to excel in their roles. Smith's approach of providing freedom without clear guidance and expectations contributed to a lack of accountability and a subpar work ethic among the employees. This indicates that the employees were not adequately prepared to take on their responsibilities and would have benefited from more guidance, structure, and boundaries to enhance their readiness and improve their performance.

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Entrepreneurs should avoid risks. The correct option is a. Entrepreneurs should be aware of the risks associated with starting and running a business and take proactive measures to mitigate them.

Avoid risks (Oa): c This includes conducting thorough market research, developing a solid business plan, seeking advice from mentors or experts, and carefully managing financial resources.

Share (Ob) knowledge and resources: Collaboration and sharing are crucial for entrepreneurial success. Entrepreneurs should actively seek opportunities to network, collaborate, and share knowledge and resources with other entrepreneurs, industry professionals, and potential partners. This can lead to valuable insights, partnerships, and access to resources that can accelerate business growth.

Ignore (Oc) naysayers and doubts: Entrepreneurship often involves facing skepticism and doubts from others. Entrepreneurs should stay focused on their vision and goals and not let negative opinions or doubts deter them. By believing in themselves and their ideas, entrepreneurs can maintain the confidence and resilience needed to overcome challenges and pursue success.

Erase (Od) fear of failure: Fear of failure can be a significant barrier for entrepreneurs. It is essential to embrace failure as a learning opportunity and not let the fear of making mistakes hold them back. Entrepreneurs should adopt a growth mindset, view failures as stepping stones to success, and be willing to take calculated risks to innovate and achieve their goals.

By following these principles, entrepreneurs can navigate the challenges of entrepreneurship and increase their chances of building successful and impactful businesses.  The correct option is a.

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The Royal Commission exposed several poor or bad leaders and senior managers within the Big 4 accounting firms. The commission's investigation revealed systemic issues, unethical practices, and failures in governance and oversight. These issues led to a loss of public trust and confidence in the firms.

The Royal Commission specifically highlighted individuals in leadership positions within the Big 4 accounting firms who demonstrated questionable behaviour and leadership practices. These leaders were found to prioritize profit over ethical conduct, neglect their responsibilities to act in the best interests of clients and foster a culture of non-compliance with regulations and standards. Additionally, the commission uncovered instances where senior managers failed to adequately address conflicts of interest and lacked appropriate oversight, allowing misconduct to persist within the organizations. Overall, the Royal Commission exposed a significant breakdown in leadership and senior management within the Big 4, raising concerns about their ability to uphold their professional obligations and responsibilities.

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5S methodology is a systematic approach for organizing the workplace, reducing waste, and promoting continuous improvement. and Sales and Operations Planning (S&OP) is a process that involves aligning the sales and operational plans of a business to ensure that the resources of the organization are used efficiently.

It involves the following steps:

Sort: Sort is the process of identifying and separating the necessary items from the unnecessary items and getting rid of the latter. Set in Order: Set in Order involves putting everything in the right place, making sure that it is easy to find and use, and ensuring that the workplace is organized. Shine: Shine is the process of cleaning and inspecting the workplace, equipment, and tools. Standardize: Standardize involves creating standards for the workplace, tools, and equipment, and ensuring that these standards are followed by everyone. Sustain: Sustain is the process of ensuring that the 5S principles are followed over the long term and that the workplace remains organized and efficient.

Examples of organizations that have benefited from the 5S methodology are: Toyota: Toyota is known for its implementation of the 5S methodology. It has helped the company reduce waste and increase efficiency in its production processes. Amazon: Amazon uses the 5S methodology to organize its warehouses and ensure that items are easy to find and retrieve. General Electric: General Electric uses the 5S methodology to improve its manufacturing processes and reduce waste.

Sales and Operations Planning (S&OP) is a process that involves aligning the sales and operational plans of a business to ensure that the resources of the organization are used efficiently. It is an essential tool for operations management, as it helps businesses to achieve their objectives by aligning their resources with their sales forecasts. The importance of S&OP in operations management is:

1. Helps to align resources with sales forecasts.

2. Helps to ensure that the organization is using its resources efficiently.

3. Helps to improve customer service by ensuring that there is sufficient inventory to meet demand.

4. Helps to reduce costs by reducing inventory and improving production efficiency.

5. Helps to improve communication and collaboration between departments.

Therefore, 5S methodology is a systematic approach for organizing the workplace, reducing waste, and promoting continuous improvement. and Sales and Operations Planning (S&OP) is a process that involves aligning the sales and operational plans of a business to ensure that the resources of the organization are used efficiently.

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One real-life situation when a firm increases supply during the Covid-19 Pandemic due to the determinant factors of supply (technological change) is the increase in the production of medical supplies and equipment.

The Covid-19 pandemic brought about an increase in the demand for medical supplies such as ventilators, personal protective equipment (PPE), face masks, and gloves. With technological advancements in the production of medical supplies and equipment, firms were able to increase their supply to meet the increasing demand. For example, 3M, a company that produces N95 face masks, increased its production of masks by over 30%.

Similarly, General Motors (GM) increased its production of ventilators from 100 per week to 10,000 per month through technological changes in its production processes. Technological advancements and increased production helped these firms to respond quickly to the increase in demand for medical supplies during the Covid-19 pandemic.

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A. Perils associated with ocean transportation are:

B. The responsibilities of a carrier under the carrier's liability of ocean transportation are:

C. As it relates to the carrier's liability in land transportation, the following terms are:

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Dimitri Designs should not accept the special order. This decision will have no impact on its profits.

Dimitri Designs has capacity to produce 30,000 desk chairs per year and is currently selling all 30,000 for $240 each. Country Enterprises has approached Dimitri to buy 800 chairs for $210 each. Dimit normal variable cost is $165 per chair, including $50 per unit in direct labor per chair. Dimitri can produce the special order on an overtime shift, which means that direct labor would be paid overtime at 150% of the normal pay rate. The annual fixed costs will be unaffected by the special order and the contract will not disrupt any of Dimitri's other operations.

Normal variable cost per unit = $165 per unit Variable cost per unit including direct labor = $165, including $50 in direct labor per chair Sale price = $240 per unit Special order price = $210 per unit Incremental revenue = (800 × $210) - (800 × $165) = $33,600 - $132,000 = - $98,400. Because the incremental dollar amount is negative, Dimitri Designs should not accept the special order. This decision will have no impact on its profits. Therefore, there will be no increase or decrease in the impact on profit.

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Dimitri Designs has capacity to produce 30,000 desk chairs per year and is currently selling all 30,000 for $240 each. Country Enterprises has approached Dimitri to buy 800 chairs for $210 each. Dimitri’s normal variable cost is $165 per chair, including $50 per unit in direct labor per chair. Dimitri can produce the special order on an overtime shift, which means that direct labor would be paid overtime at 150% of the normal pay rate. The annual fixed costs will be unaffected by the special order and the contract will not disrupt any of Dimitri’s other operations. PLEASE NOTE: All dollar amounts are rounded to whole dollars and shown with "$" and commas as needed (i.e. $12,345). If Dimitri accepts the offer, what will be the impact on profits of accepting the order? Incremental dollar amount = .________ Increase or Decrease?

Dynamic capabilities refer to intangible and tangible resources needed to assess and implement enhancements. The main answer to this question is Option B i.e. intangible and tangible resources needed to assess and implement enhancements.

The term dynamic capability is defined as the ability of an organization to renew and recreate its strategic assets in response to changes in the external environment. It implies a continuous development process of new products, services, and internal systems to improve the firm's effectiveness and efficiency. The dynamic capabilities theory states that companies that are better able to integrate, build, and reconfigure their internal and external resources are more capable of adapting to change, and hence are more competitive and innovative.

Drawn from Porter's Producer Strategy concepts and the Value Discipline model, if a firm focuses on selling a tailored motorcycle to a high-end niche consumer segment, the value discipline that is being focused upon by the firm is customer intimacy. A firm's success depends on its ability to create superior value for its customers. The Value Discipline model, as explained in the text, suggests that firms can focus on one of three value disciplines: operational excellence, customer intimacy, or product leadership.

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The National Federation of Independent Businesses (NFIB) attributes its newfound power to a number of factors.

The National Federation of Independent Businesses (NFIB) attributes its newfound power to a variety of factors. The organization believes that its power comes from its members and their ability to work together. The NFIB's members are small business owners who work together to promote their interests and to influence government policy.The NFIB also attributes its power to its ability to provide valuable services to its members.

The organization provides members with access to legal services, educational resources, and other tools that help them grow their businesses. Additionally, the NFIB provides a voice for small business owners in the political process. The organization lobbies lawmakers at the state and federal level to promote policies that benefit small businesses.Finally, the NFIB attributes its power to its ability to mobilize its members.

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Ronald Lockhart was a deaf package handler working for FedEx who filed a complaint to the Equal Employment Opportunity Commission (EEOC).

After 9/11, the company had security issue meetings where Lockhart raised a concern that he couldn't understand. Although fluent in American Sign Language, Lockhart couldn't read lips, and so he lodged his complaints to EEOC. He was fired by FedEx; has the company violated the law?Yes, FedEx violated the law. FedEx's firing of Ronald Lockhart was a violation of the law. It was a failure to make reasonable accommodations to his hearing disability, as provided for under the Americans with Disabilities Act of 1990 (ADA). Since the employee was fluent in American Sign Language, the employer should have made efforts to accommodate his hearing disability by providing an interpreter who could help him understand discussions during meetings held by the company. If the employee was not reasonably accommodated, as provided for by the law, it would lead to a violation.

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Based on financial considerations, it would be advisable for Jessica to pursue the Ph.D. program as the potential financial gain exceeds the associated costs.

a. To calculate the forgone lost future value of Jessica's $49,000 over 30 years at a 9% interest rate, we can use the future value formula:

Future Value = Present Value * (1 + interest rate)^number of periods

Future Value = $49,000 * (1 + 0.09)^30

Future Value ≈ $515,917.62

The forgone lost future value of her $49,000 over 30 years at a 9% interest rate is approximately $515,918.

b. Similarly, to calculate the forgone lost future value of $98,000 over 30 years at a 9% interest rate, we can use the same future value formula:

Future Value = $98,000 * (1 + 0.09)^30

Future Value ≈ $1,031,835.23

The forgone lost future value of $98,000 over 30 years at a 9% interest rate is approximately $1,031,835.

c. Considering the forgone lost future values, we can evaluate the trade-off. By obtaining a Ph.D., Jessica expects to earn an extra $840,000 over her 30-year working career.

However, she would need to pay $49,000 of her own money for the program. If she pays the full cost of $98,000, the forgone lost future value would be approximately $1,031,835.

Comparing these values, it appears that the benefits of obtaining a Ph.D. outweigh the costs. The expected extra income of $840,000 exceeds the forgone lost future value of both $515,918 and $1,031,835.

Therefore, based on financial considerations, it would be advisable for Jessica to pursue the Ph.D. program as the potential financial gain exceeds the associated costs.

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The total recognition gross income for Patrick and Kelsey in 2020 is $158,950. Therefore, the correct option is C.

Gross income is a person's income before taxes or other deductions are made. Gross income includes all types of income, such as salaries, wages, bonuses, and tips. The gross income of Patrick and Kelsey in 2020 is calculated below:

Patrick earned a total of $145000 in salary during the year.

Kelsey earned $145000 in salary plus $2150 in employer-paid medical and dental insurance premiums.

Kelsey also inherited $11800 from her grandmother.

The total gross income for the year is the sum of these amounts:

$145000 (Patrick's salary) + $145000 (Kelsey's salary) + $2150 (employer-paid insurance premiums) + $11800 (inheritance) = $158,950

Therefore, the total recognition of gross income is $158,950 which corresponds to option C.

Note: The question is incomplete. The complete question probably is: Patrick and Kelsey are married filing jointly in 2020. Patrick works at a car dealership, and Kelsey is a nurse at a hospital. During the year. they received $145000 in total (together) for salaries from their employers. in addition, the hospital Kelsey worked for pay $2150 for the employers portion of their medical and dental health insurance premiums. Finally, Kelseys grandmother passed away and left her $11800. Determine the total recognition gross income for Patrick and Kelsey in 2020. a. $147150 b. $156800 c. $158950 d. none of the answer.

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The real estate business is primarily regulated at the state level of government, with state laws and regulations governing various aspects of the industry.

The regulation of the real estate business primarily falls under the jurisdiction of state governments in most countries. State laws and regulations govern various aspects of the real estate industry, including licensing requirements for real estate agents and brokers, property transactions, property management, landlord-tenant relationships, and disclosure requirements.

While there may be some federal regulations related to specific aspects of real estate, such as fair housing laws or environmental regulations, the majority of real estate regulations, including licensing, contracts, zoning, and property laws, are established and enforced by state governments. Each state may have its own real estate commission or board responsible for overseeing and regulating the industry within its jurisdiction.

It's important to note that local governments, such as cities or municipalities, may also have their own regulations and zoning ordinances that govern specific aspects of real estate development and use within their jurisdictions. However, the primary level of government responsible for the overall regulation of the real estate business is at the state level.

The real estate business is primarily regulated at the state level of government, with state laws and regulations governing various aspects of the industry.

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A successful customer relationship management (CRM) program helps improve client service and create a long-term relationship.

Customer relationship management (CRM) refers to the strategies, processes, and technologies used by companies to manage and analyze customer interactions and data throughout the customer lifecycle. By implementing a CRM program, organizations can better understand their customers, anticipate their needs, and provide personalized services. This leads to improved client satisfaction, increased customer loyalty, and ultimately, long-term relationships with clients. CRM software components, including database management systems and customer service tools, play a crucial role in supporting these efforts. In management information system's (MIS), software components include programs developed in-house.

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Denning (2012) mentioned that the purpose of business should be to add value for the customer, create a sustainable competitive advantage, and earn above-average profits.

Defeating the competition is not the primary goal of a business, but rather a result of fulfilling the other purposes.The purpose of a business is to provide something valuable to its customers, who are its primary stakeholders. Companies that fail to do so are unlikely to survive in the long run. Adding value to customers refers to the provision of goods or services that address their needs or desires in a unique way. This is achieved through innovative products, exceptional customer service, or other means.

Companies must also create a sustainable competitive advantage that sets them apart from their competitors. This can be done through a variety of methods, such as developing proprietary technology, building strong relationships with suppliers and customers, or investing in research and development. This competitive advantage must be maintained over time through continuous improvement and adaptation to changing market conditions.

Finally, the business should aim to earn above-average profits, which are necessary to keep the company running and to provide a return on investment for shareholders. However, profit should not be the sole focus of a business, as it can lead to short-term thinking and neglect of other important aspects such as employee well-being, social responsibility, and environmental sustainability.

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Prisoner's Dilemma and Nash Equilibrium are some of the game theories that are widely used in economics and business to evaluate strategic decision-making. Prisoner's dilemma refers to a scenario where individuals tend to act in a self-interested manner that violates the collective good of the community or society.

Nash Equilibrium refers to a scenario where all the players involved in the game have chosen a strategy that is optimal and no player has anything to gain by changing their strategy. Here is an example of Prisoner's Dilemma and Nash Equilibrium through a real-life business example: Example: Price War between Two SupermarketsSupermarkets A and B are the only two stores that are located in a small town. The two stores have an understanding that they will sell their products at similar prices to avoid engaging in price wars. However, a new supermarket C sets up shop in town, and it decides to lower its prices to attract customers.

To remain competitive, both supermarkets A and B decide to lower their prices as well. The two supermarkets face the following options:1. Reduce prices (R) and gain customers. 2. Do not reduce prices (D) and lose customers.A's and B's options can be presented in the following table:The dominant strategy in this case is for both stores to reduce prices (R). If both stores choose this strategy, they will both lose profits but not as much as if one store chose to maintain high prices while the other lowers them. Therefore, the Nash Equilibrium in this case is for both stores to reduce prices. This scenario depicts the Prisoner's Dilemma as both stores would have been better off if they didn't reduce prices, but they couldn't trust the other store to maintain its price. As a result, both stores ended up losing profits by reducing their prices.

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1-If the market rate of interest is less than the contractual rate of interest, bonds will sell at a premium - False. 2-The number of shares outstanding is based on the number of shares issued less any treasury stock - True.

When the market rate of interest is less than the contractual rate of interest, bonds will sell at a discount, rather than at a premium. Because, when the market rate of interest is less than the contractual rate of interest, the bond issuer is obligated to pay the bondholders more than the current market rate of interest. As a result, the market will demand a price that is lower than the bond's face value. The contractual rate of interest on the bond is greater than the market rate of interest if it is selling at a premium.The number of shares outstanding is the total number of shares that a corporation has issued to shareholders, including treasury stock. The number of outstanding shares is a key financial metric for investors, as it is used to determine a company's market capitalization, or market cap. The number of outstanding shares is calculated by subtracting the number of treasury shares from the total number of shares issued. Therefore, the given statement that the number of shares outstanding is based on the number of shares issued less any treasury stock is True.

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