When conducting a five cs analysis and developing the technology factors should not be included in the analysis.
Option B. technology.
In 5C analysis, the context section covers the climate i.e. the macro level environment for the situation.
It includes Political, regulatory, social, economic, technological, and cultural environments.
Part B i.e Firm's capabilities should not be included in the Context section.
The firm's capabilities come under the Company section.
5 C's include Company, customer, collaborators, competition, and context.
Context (or climate): political (trade regulations, taxes, legal issues, labor law), economic (labor costs, growth rates), social (demographics, culture, education, etc.), or technological trends (cost ?) This is also known as the five cs analysis.
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If bryan wanted to convert his insurance policy on jennifer's life to cash surrender value later, which type of policy did he need to purchase?
Insurance policy Bryan needs to purchase.
In insurance, the insurance policy is a contract (generally a trendy form of agreement) between the insurer and the policyholder, which determines the claims that the insurer is legally required to pay.
In trade for an initial price, called the top class, the insurer guarantees to pay for loss as a result of perils protected below the coverage language.
Insurance contracts are designed to fulfill specific desires and as a consequence have many features now not determined in many different kinds of contracts. For the reason that insurance policies are popular paperwork, they characteristic boilerplate language which is similar throughout a wide variety of various types of insurance policies.\
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Criticality of operations identifies the order of importance of each of the seven domains of the typical IT infrastructure. True False
The statement operations identifies the order of importance of each of the seven domains of the typical IT infrastructure is False.It has three domain.
The consumer is the first area and represents the give up-user who accesses the employer's IT infrastructure from both inside the community or outside network. humans are often the weakest hyperlink in IT safety.
The primary line of defense in your community safety, a firewall monitors incoming and outgoing network site visitors based totally on a fixed of policies. A firewall acts as a barrier among a trusted network and an untrusted community, handiest permitting into your community visitors that has been described inside the security coverage.
An application area is the segment of truth for which a software program machine is advanced. it's miles the history or start line for the actual-state analysis and the advent of a site version. An utility domain may be an corporation, a department inside an domain.
There are basically There are basically Three portions to IT infrastructures: infrastructure hardware, software and networking.
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What finds the inputs necessary to achieve a goal such as a desired level of output? multiple choice question. sensitivity analysis goal-seeking analysis what-if analysis
The correct option is (b) Goal seeking analysis.
The process of determining your input value based on an already known output value is referred to as "goal seeking" in general. The method entails applying a certain operator to a formula that may be computed using computer software.
In computing, the ability to work backwards to determine an input that would produce a specific outcome is known as goal seeking. Back-solving and what-if analysis are other names for this process. Either logical methods or trial and error can be used to attempt it.
To figure out what interest rate you'll need to negotiate in order to reach your loan objective, use Goal Seek. Use the Goal Seek function if you are aware of the output you require from a formula but are unsure of the input value required. Consider the situation where you need to borrow some cash.
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The changing nature of the global economy affects the typical american worker in what way?
The changing nature of the global economy affects the typical American worker by fewer benefits.
The creation and destruction of jobs and the changing nature of work in the process of global economy have differentially affected American women and men workers, where some workers get only fewer benefits.
The employment opportunities increasingly lie in jobs requiring higher-level social or analytical skills, or both. Physical or manual skills, as much in demand as social or analytical skills some three decades ago, are fading in importance.
Hence, some analysts warn that global economy can have a negative effect on local or emerging economies and individual workers.
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Which technique is not usually employed in analyzing oligosaccharides and polysaccharides?
The SDS-PAGE technique is not usually employed in analyzing oligosaccharides and polysaccharides. While polysaccharides often contain several monosaccharides linked together by the glycosidic bonds, oligosaccharides normally contain only a few sugars, usually 3 to 15, bound together by glycosidic linkages. The Water is a byproduct of the dehydration event that creates glycosidic linkages.
The Monosaccharides, which are little sugar molecules, are the building blocks for both oligosaccharides and polysaccharides. The fundamental distinction between oligosaccharides and polysaccharides is the number of monosaccharides that go into making an oligosaccharide, as opposed to the number of monosaccharides that go into making a polysaccharide.
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What new model of government was celebrated in ambrogio lorenzetti’s allegory of good government?
The Allegory of Good and Bad Government model of government was celebrated in Ambrogio Lorenzetti’s allegory of good government.
Three horizontal bars make up the composition in the Allegory of Good Government. The figures of modern-day Siena are seen in the foreground. The citizens serve as figurative representations of the numerous magistrates and civic officials.
Two concords, or weaved cords, connect them. Out from under the Justice scales, harmony gathers. Allegorical characters in two groups standing on a stage behind them symbolize the Good Government. The councilors' procession serves as a bridge between the two factions.
The heavenly sphere and the floating, bodyless ghosts of the virtues are shown in the upper band. The figure of the Commune of Siena has wisdom on its head. He occupies a throne and is shown with a sceptre and orb that stand for temporal authority.
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Wages (prices) for high-skilled labor have continually risen, despite an increase in people with college and advanced degrees. what is the most logical explanation for this
An excess supply of workers is particularly harmful to employees working in industries with low barriers to entry for new employees—that is, those with jobs that don’t require a degree or any specialized training.
What is specialized training?Specialized Training refers to training provided by the Company to Executive that is unique to its business and improves Executive's ability to perform work duties successfully.
"Specialized training" refers to advanced training in a health professions specialization obtained in an accredited school that goes beyond the basic education required for appointment as a commissioned officer with a health professional designation.
Specialized skills are specific qualities or abilities that you possess that qualify you for a profession. They may be directly related to the employment, such as technical or practical abilities, or they may have a broader purpose that makes them helpful in a variety of settings.
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If long run average total cost decreases as output increases, the firm is experiencing:_______.
If long-run average total cost decreases as output increases, the firm is experiencing economies of scale.
In summary, economies of scale refer to situations in which the long-run average cost decreases as a firm's production increases. A striking example of economies of scale can be found in the chemical industry.
Economies of scale refer to the phenomenon in which the average cost per unit of production decreases as the size or scale of the product produced by a firm increases.
This is an example of a natural monopoly. The most efficient number of companies is one. Further economies of scale arise when manufacturing complex products such as automobiles. The manufacturing process involves various complex steps.
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A marketing strategy to increase sales of current products in current markets is referred to as.
A marketing strategy to increase sales of current products in current markets is referred to as Market Penetration.
What is Market penetration?A product or service's market penetration is a measurement of how much of the predicted total market for that product or service is actually being used by customers.The development of tactics used to enhance the market share of a specific good or service can also make use of market penetration.A successful market penetration is what?Between 2 and 6 percent is thought to be the range for a market penetration rate for consumer goods that is above average.Between 10% and 40% is a decent penetration rate for business items.Some brands find it useful to determine market penetration after each ad and marketing campaign, while others find it useful to do so every three months.Learn more Market penetration here:
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The result of ________ is that government price regulation can often become a way for existing competitors to work together to reduce output, keep prices high, and limit competition.
The result of regulatory capture is that government price regulation can often become a way for existing competitors to work together to reduce output, keep prices high, and limit competition.
Regulatory capture occurs when a government’s regulatory agency, which was created in the public interest, ends up advancing the political or commercial concerns of the very people, or companies which it is supposed to be regulation.
Regulatory capture is a form of government failure. Thus, when regulatory capture exists, the interest of political groups or companies become more important than those of the public, which leads to a net loss to society.
Hence, the answer was given and explained above.
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How did the government help the economy? the economy of country y has experienced increased unemployment and reduced gdp for six months. the government therefore decides to implement fiscal policy that increases and reduces .
Government fiscal policy measures would lower tax rates and expand the money supply.
What is the economy?An economy is a region where products and services are produced, distributed, traded, and consumed. It is generally understood to be a social domain that emphasizes the behaviors, discourses, and tangible manifestations connected to the creation, utilization, and management of finite resources.One's culture, values, education, technological advancement, history, social organization, political structure, legal system, and natural resources are all major determinants of an economy's processes. These elements determine the parameters and conditions under which an economy operates in addition to providing background and content. In other words, the economic realm is a social domain made up of connected human behaviors and exchanges that cannot exist independently.What do you mean by the government?An organized community is governed by a system or group of individuals, typically a state.Government often consists of the legislative, executive, and judicial branches in the case of its broad associative definition. Government is a tool for making policy decisions as well as a way to enforce organizational policies. A declaration of the government's guiding principles and philosophy is the equivalent of a form of constitution in many nations.Learn more about the economy here:
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Answer:-taxes
- government spending
Explanation: plato 100%
The broiler industry evolved from open markets to procurement contracts to almost totally production contracts.
a) true
b) false
The statement is true.
The broiler industry evolved from open markets to procurement contracts to almost totally production contracts.
An open marketplace is a monetary machine with little to no limitations to the free-market pastime. An open marketplace is characterized by means of the absence of tariffs, taxes, licensing necessities, subsidies, unionization, and every other policy or practice that intrude on the unfastened-market pastime.
Open market operations are performed via the vital bank in association with the industrial banks. For accomplishing such operations, there is no involvement of the general public. Government bonds are by and large offered by using industrial banks, economic establishments, excessive net well worth individuals, and big commercial enterprise companies.
A greater fashionable since the time period has commenced being used in economics and political economic system, wherein an open marketplace refers to a market that is offered to all financial actors. In an open marketplace so described, all economic actors have an equal possibility of entry in that marketplace.
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When a firm uses price to prevent people from consuming a good or service the good is called:_____.
Nonexcludable is a characteristic of some goods or services whereby people cannot easily be prevented from consuming a good or service, even if they do not pay for it.
When people consume a Nonexcludable good without paying for it is called?
A negative externality was present if you had to put up with the factory's obnoxious noises and stench. Due to: - consumers who consume the commodity without paying for it, private enterprises frequently struggle to make a profit by offering a good that is nonexcludable. – the issue of free-riders.
How are Nonexcludable public goods paid for?
A good that one person's consumption reduces another person's ability to consume. A good that is not diminished by the consumption of another person by one person. A shared good that individuals are not physically barred (from) using.
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How does locker distinguish technical writing from business writing? Write a couple of sentences or so in your response to this question.
Technical writing typically used in technical and occupational fields like engineering, robotics.
Business writing is typically used in a professional setting like client proposals, reports, memos,
What is business writing used for?Every other type of writing, excluding journalism and creative writing, is done at work, including business writing.
A type of writing utilized in a professional setting is called business writing. It is a well-written work with a defined purpose that effectively, succinctly, and provides pertinent information to the reader.
What is the technical writing ?Technology, engineering, and science are the subjects of technical writing. Typical documents include release notes, specifications, manuals, data sheets, research papers, and field reports.
Any writing intended to explain intricate, specialized, and technical concepts to readers who may or may not be familiar with them is considered technical writing.
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The federal government oversees the licensure of healthcare facilities, including hospitals.
a. True
b. False
The correct option is a. True.
The federal government oversees the licensure of healthcare facilities, including hospitals is a true statement.
What is federal government?A federal law is a form in which local state administrations that are interconnected with the national government and a central govt share power. The national government has power over some aspects of public life, while local governments have control over other aspects.
Some key features of federal government are-
The ideal places for federal governments to function are in large nations with a diversified population that has a shared culture and a range of requirements.Constitutions in federal government systems typically outline which spheres of public life the federal government will regulate and which spheres the individual states will regulate.The many different demands of a country with a big geographic area are assisted by federal governments. Therefore, it is not surprising that huge countries such as the United States, México, German, Canada, Brazil, and numerous others have federal governments.To know more about federal government, here
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How do consumer credit laws support consumers? Specifically cite at least two laws and how they directly support consumers.
List and describe how both the Federal Trade Commission (FTC) and the Better Business Bureau (BBB) help protect consumers from fraud.
The consumer credit law is designed to support and protect consumers by mandating creditors to disclose credit terms to consumers.
This backed by the The Consumer Credit Protection Act which protects consumers from loan sharks, restricts the garnishing of wages, and established the National Commission on Consumer Finance to investigate the consumer finance industry.
The Federal Trade CommissionThe Federal trade commission is an agency saddled with the task of helping and protecting unsuspecting consumers from trade fraud.
They do this by stopping unfair, deceptive and fraudulent business practices by collecting reports from consumers and conducting investigations, suing companies and people that break the law, developing rules to maintain a fair marketplace, and educating consumers and businesses about their rights.
Better Business BureauThe Better Business Bureau is a non profit organization whose main aim is mission is to focus on advancing marketplace trust in the United states.
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An example of price floor is a. minimum wages b. rent controls in new york c. both a and b d. none of the above
Option c. Both a and b are right as
a. Minimum wages and b. rent control in New York is an example of a price floor.
What is Price Floor?A fixed lower limit on a commodity's market price is known as a price floor. In order to prevent a commodity's market price from falling too low and endangering the producers' ability to make a living, governments typically create a price floor.
Types of Price FloorPrice floors are classified into two types:
A non-binding price floor is one that is lower than the current market price.A binding price floor is one that is higher than the prevailing market price.Price floors can be classified into two extremes:
A price floor of infinity is similar to making the exchange or sale of the commodity unlawful.A non-inclusive price floor of zero can be thought of as a requirement that the product not be given away for free.Therefore, Option c. Stating both options a. and b. are correct examples of Price Floor is the right answer.
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Katherine is developing a forecast for her company's next year's sales of an organic fertilizer to retail gardening nurseries. she is assembling the sales estimates for her company's product by adding together the territory estimates provided by her salespeople. she is engaging in _____ forecasting.
She is engaging in Bottom-up Forecasting.
What is Bottom-Up Forecasting?Bottom-up forecasting is a high-level prediction of micro-level inputs to estimate revenue for a particular year or group of years. Revenue teams, for example, frequently utilize this strategy to forecast the company's future performance based on individual sales or rep performance.
Bottom-up forecasting is analogous to assessing the health of a complicated system, such as a vehicle, by examining its most fundamental components, such as its engine components.
The essential distinction between top-down and bottom-up methodologies is the perspective used to conduct your analysis. Bottom-up forecasting is excellent for assessing the impact of certain performance measures on revenue. However, in order to truly grasp the health of a complicated firm, we must examine it from several perspectives.
In a top-down study, we estimate aggregate demand. This style of evaluation considers past performance to forecast future performance.
Therefore, Katherine is developing a forecast for her company's next year's sales of organic fertilizer to retail gardening nurseries. she is assembling the sales estimates for her company's product by adding together the territory estimates provided by her salespeople. she is engaging in Bottom-Up forecasting.
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The economic indicator that reflects activity of u. s. entities without regard to where the activity takes place is?
The economic indicator that reflects the activity of the U.S. entitled without regard to where the activity takes place is GNP.
Gross national product (GNP) is an estimate of the total cost of all the final products and services grown to become out in a given duration via the way of production owned by a country's citizens.
Indicators of financial pastime financial signs consist of measures of macroeconomic performance (gross domestic product [GDP], intake, funding, and international alternate) and stability (central authorities' budgets, expenses, the cash supply, and the balance of payments).
Gross Domestic Product is essential as it offers records about the scale of the economy and the way an economy is performing. The increased price of actual GDP is often used as an indicator of the overall health of the economic system. In wide terms, growth in real GDP is interpreted as a sign that the economy is doing properly.
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What are some of the major complexities encountered in developing cooperative strategies such as strategic alliances and joint ventures?
Strategic alliances are generally meant to increase the business strength. Most of the cooperative strategies aim at drawing upon the individual strengths of partners to be more competitive as a single unified unit.
There are a lot of challenges in getting cooperative strategies to work as envisaged during the planning phases. When corporate companies seek cooperation strategies, the hindsight which comes is that most of them compete against each other).
Hence, it is natural that such companies will seek to fulfill their interests first before considering the interests of their partnerships. Then, some companies seek cooperative partnerships with partners who are already having other collaborators.
It also follows that such cooperation lacks commitment. There is also a lack of detailing the operational structure by which operational strategy will be a great success.
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When comparing a 10-year bond versus a 1-year bond, the 10-year bond has a much greater interest rate risk. True or false?.
True,When comparing a 10-year bond versus a 1-year bond, the 10-year bond has a much greater interest rate risk
What is bond?A bond is a sort of financial security in which the issuer owes the bearer a debt and is obligated to repay the principle of the bond as well as interest over a specified period of time, depending on the terms. Interest is normally paid at regular intervals.
Bonds are one way for businesses to raise funds. A bond is a loan made between an investor and a firm. The investor agrees to contribute the corporation a particular sum of money for a set length of time. In exchange, the investor receives interest payments on a regular basis.
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Suppose that $4000 is invested at an interest rate of 5.3% per year, compounded continuously. What is the balance after 3 years
Compound interes, $ 4760.22 is the balance after 3 years.
If the compound interest continuously for + years
at rater per year then the compounded amount is given by D= $4000
A = Pert.
5.84. 5-8
A = 4000xe (0.058)(3)
+ = 3 years.
= $4760.22.
Compound interest is calculated by multiplying the original loan amount or principal amount by 1, plus the annual interest rate, which is the number of compounding periods minus 1. This will give you the total loan amount including compound interest.
The monthly compound interest formula is used to calculate compound interest per month. The formula for compounding monthly interest is CI = P(1 + (r/12) )12t - P. where P is the principal amount, r is the decimal interest rate, and t is the time.
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Financial managers focus on _____, the inflow and outflow of cash. Group of answer choices cash flows revenue streams sales revenues profit and loss patterns financial flows
Financial managers focus on option(a)i.e, cash flow the inflow and outflow of cash.
A payment (in a currency), notably from one central bank account to another, is referred to as a cash flow. the word "cash flow" is typically used to represent payments that are anticipated to occur in the future, are therefore unknown, and require cash flow forecasting.
To assess the liquidity and solvency of the company, organizations should monitor and analyze three different types of cash flow:
cash flow from operating operations, cash flow from investing activities, cash flow from financing activities.Accounting professionals' financial accounts and other data are used by financial managers to make financial decisions. The inflows and outflows of cash are the main focus of financial management. They organize and track the company's financial flows to make sure there is money on hand when it is required.
A financial manager's primary responsibility is to assess an organization's efficiency through effective resource allocation, acquisition, and management. It offers direction for financial planning. It aids in obtaining funding from many sources. It aids in making wise financial investments.
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AcquirerCo purchases TargetCo by issuing $80,000,000 in debt at an 8% rate. TargetCo has $6,500,000 in EBIT and AcquirerCo can recognize $2,000,000 in synergies and has a 40% marginal tax rate. An analyst covering AcquirerCo estimates its standalone earnings per share at $2.75 per share on 25,000,000 shares. What are AcquirerCo's pro forma earnings per share after the transaction
AcquirerCo's pro forma earnings per share after the transaction is $2.8.
Earnings per shareUsing this formula
Pro forma EPS = Pro forma Net Income / AcquirerCo shares outstanding. Pro forma Net Income = AcquirerCo Net Income + TargetCo after-tax EBIT + after-tax synergies - after-tax interest expense.
First step
AcquirerCo Net Income = $2.75 EPS estimate x 25,000,000 outstanding shares
AcquirerCo Net Income = $68,750,000
TargetCo after-tax EBIT = $6,500,000 x (1 - 40% tax rate)
TargetCo after-tax EBIT = $3,900,000
After-tax synergies = $2,000,000 x (1 - 40% tax rate)
After-tax synergies = $1,200,000
After-tax interest expense to finance deal = $80,000,000 x 8% cost of debt x (1 - 40% tax rate)
After-tax interest expense to finance deal = $3,840,000
Second step
Pro forma Net Income= $68,750,000 + $3,900,000 + $1,200,000 - $3,840,000
Pro forma Net Income = $70,010,000
Third step
Pro forma EPS = $70,010,000 Net Income / 25,000,000 shares
Pro forma EPS = $2.8
Therefore AcquirerCo's pro forma earnings per share after the transaction is $2.8.
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When the fair value of an investment in debt securities exceeds its amortized costs?
Debt securities (bonds) classified as held-to-maturity are reported at amortized cost. Debt securities classified as available for sale are reported at fair value.
What do debt securities represent?
An obligation to pay back borrowed funds is represented by debt security. The terms of the debt security specify the amount of the loan, the interest rate, and the maturity or renewal date.
What is amortized cost?
The accumulated fraction of a fixed asset's recorded cost that has been charged to expense through either depreciation or amortization is known as the amortized cost.
Why is fair value different from amortized cost?
In contrast to amortized cost, the fair value of an asset or liability does not take depreciation and amortization into account. Similar to this, businesses may reevaluate the fair value of their assets or obligations following a reasonable period. They do not rely on the previous price or value of their possessions.
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Next year baldwin plans to include an additional performance bonus of 0. 5% in its compensation plan. This incentive will be provided in addition to the annual raise, if productivity goals are reached. Assuming the goals are reached, how much will baldwin pay its employees per hour?.
"Baldwin currently pays his employees with $50 per hour and promises to give an additional performance bonus of 0.5%in compensation if the productivity goals are reached.
Assuming that he has 500 employees, he needs to pay his employees:
$50 * (1+0.005) = $50.25/hour will become the new rate of each employee,
If he has 500 employees: 500 * $50.25 = $25,125
He has to pay a total of $25,125 per hour in total.
What is a compensation plan?A compensation plan is a payment package designed to attract and retain employees.
A basic compensation package consists solely of a salary or wages.
A more comprehensive compensation could include additional benefits such as bonuses, perks, commission, health insurance, or retirement investments.
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The fact that an economy always returns to the natural rate level of output is known as option(c)i.e, the self-correcting mechanism.
The fundamental tenet of the self-correction process is that short-term shock effects are all that count. In the near term, but not in the long term, output and unemployment will alter if AD changes.
The flexibility of salaries and resource pricing is the main self-correcting mechanism. During a recession, prices for resources and wages both drop, making them more affordable. The gradual restoration of long-term equilibrium is facilitated by producers using more resources to boost production when resources are more affordable.
Self-correction is understood as alterations in the short-run aggregate supply curve brought on by adjustments in the pricing of labor and other resources. With reduced wages and a rise in the short-run aggregate supply curve, the self-correction mechanism works to close a recessionary gap.
The complete question is:
The fact that an economy always returns to the natural rate level of output is known as
A) the excess demand hypothesis.
B) the price-adjustment mechanism.
C) the self-correcting mechanism.
D) the natural rate of unemployment.
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Your company currently has par, coupon bonds with 10 years to maturity and a price of. If you want to issue new 10-year coupon bonds at par, what coupon rate do you need to set? assume that for both bonds, the next coupon payment is due in exactly six months.
In order to sell the new bonds at par, the coupon rate must be 5.51%.
What are bonds?A bond is a sort of financial asset in which the issuer (the debtor) owes the holder (the creditor) a debt and is obligated to repay the principal (i.e. amount borrowed) of the bond at the maturity date as well as interest (called the coupon) over a specified period of time, depending on the terms.To find the coupon rate in order to sell the new bonds at par:
The company now possesses $1,000 par, 6.5 percent coupon bonds with a maturity date of 10 years and a price of $1,078.If we intend to issue fresh 10-year coupon bonds at par, assume that the next coupon payment is due in exactly six months for both bonds.We must compute the current bonds' yield to maturity (YTM).Because the bonds pay interest every six months, the coupon is $32.50.YTM = {coupon + [(face value - market value)/n]}/[(face value + market value)/2]YTM = {32.5 + [(1,000 - 1,078)/20]}/[(1,000 + 1,078)/2]YTM = 28.6 / 1,039 = 0.275 x 2 = 5.5053% ≈ 5.51%Therefore, in order to sell the new bonds at par, the coupon rate must be 5.51%.
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Assume a project has normal cash flows. according to the accept/reject rules, the project should be accepted if the?
Assume a project has normal cash flows. According to the accept/reject rules, the project should be accepted if the: IRR exceeds the required return.
Internal rate of return (IRR) is a metric used in financial analysis to estimate the potential profitability of an investment. The IRR is the discount rate that drives the net present value (NPV) of all cash flows to zero in discounted cash flow analysts. This suggests that an expected angel investment IRR of at least 22% is considered a good IRR. The higher
the project's projected IRR and the higher the amount above its cost of capital, the more net cash the project brings to the firm. So in this case the project appears to be profitable and management should go ahead with it.
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Ask your teacher, "What are two behaviors or traits that have helped you find success in your job and in life?"
Ask your friend or classmate the same question.
Are there any similarities between their answers? What are the differences? Did age, gender, or other demographics factor into their answers?
Identify two behaviors or traits that stand out to you from the last 5 lessons. How would you like to focus on these areas? What impact can you see them making on your life?
For a teacher, the two behaviors or traits that may have helped him succeed in his work and in life were empathy and dedication.
For a classmate, behaviors or traits can be related to sociability and responsibility.
There are similarities in the answers of both, as their answers are based on the moral values that are associated with development and success.
What are moral values?They are a set of principles that regulate social behavior, such as beliefs, values and social norms, being directly influenced by the individual's culture and by the primary and secondary socialization process to which he is submitted.
Therefore, the behaviors and traits that lead an individual to succeed according to their opinion are usually based on their set of moral values learned in society.
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