A ________ is an agreement with a bank that allows a small business to borrow up to a predetermined specified amount during the year without making an application each time.
A) term loan B) factor C) line of credit D) floor plan
Answers
A line of credit is an agreement with a bank that allows a small business to borrow up to a predetermined specified amount during the year without making an application each time.
What is a Line of Credit (LOC)?A line of credit is a form of loan that is typically offered by a bank. It is similar to a credit card in that you have access to a certain amount of money that you can draw from whenever you need it. Interest is only charged on the amount of money you borrow, not on the entire line of credit.
What are the advantages of a Line of Credit?There are several advantages of using a line of credit, including:
Flexibility: You can draw on your line of credit whenever you need it, which means that you can use it to cover any unexpected expenses or emergencies. You only pay interest on the amount you borrow.
Ease of access: A line of credit is easy to use, as you can withdraw funds using a check, debit card, or online transfer.
Lower interest rates: Interest rates on a line of credit are typically lower than those on a credit card or other types of loans.
However, it is important to remember that a line of credit is still a loan, and you are responsible for paying it back. It is important to only borrow what you can afford to repay, and to make payments on time to avoid late fees and damage to your credit score.
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Related Questions
which medication for osteoporosis would be a poor choice in a patietn who has stage iii renal failure
Answers
One medication for osteoporosis that would be a poor choice for a patient with stage III renal failure is bisphosphonates.
This class of drugs includes alendronate, ibandronate, risedronate, and zoledronic acid, which work by slowing down bone resorption and reducing the risk of fractures. However, bisphosphonates are excreted by the kidneys and can accumulate in patients with renal impairment, leading to adverse effects such as hypocalcemia, osteomalacia, and nephrotoxicity.
Therefore, in patients with stage III renal failure, bisphosphonates should be used with caution and at reduced doses. Alternatively, other medications for osteoporosis that do not rely on renal excretion, such as denosumab or teriparatide, may be more appropriate. Denosumab is a monoclonal antibody that inhibits bone resorption by targeting a protein called RANKL, while teriparatide is a synthetic form of parathyroid hormone that stimulates bone formation. Both drugs are given by injection and have been shown to improve bone density and reduce fracture risk in patients with osteoporosis. However, they may also have their own set of side effects and should be used under the guidance of a healthcare provider.
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There is a bond with a coupon of 8. 4 percent, eleven years to maturity, and a current price of $1,041. 40. What is the dollar value of an 01 for the bond? (Do not round intermediate calculations. Round
Answers
To calculate the dollar value of an 01 (DV01) for the bond, we need to determine the change in price for a 1 basis point (0.01%) change in yield.
The formula to calculate DV01 is as follows:
DV01 = (Change in Price) / (0.0001 * Bond Price)
Given:
Coupon rate = 8.4%
Years to maturity = 11 years
Current price = $1,041.40
First, we need to calculate the bond's yield. We can use the following formula to estimate the yield:
Yield = (Coupon Payment + ((Face Value - Price) / Years to Maturity)) / ((Face Value + Price) / 2)
Using the given information:
Coupon Payment = 8.4% * Face Value
Face Value = $1,000
Yield = (0.084 * $1,000 + (($1,000 - $1,041.40) / 11)) / (($1,000 + $1,041.40) / 2)
Next, we need to calculate the bond's modified duration. The formula for modified duration is as follows:
Modified Duration = (1 / (1 + Yield)) * [1 - (1 / (1 + Yield))^Years to Maturity] / Yield
Using the yield calculated above, we can find the modified duration.
Finally, we can calculate the DV01 using the formula mentioned earlier:
DV01 = (Modified Duration * Bond Price) / 100
By plugging in the calculated values, we can determine the dollar value of an 01 for the bond.
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An industry comprised of a very large number of sellers producing a standardized product is known as:
Answers
Answer:
The appropriate response is "Pure competition".
Explanation:
Pure competition seems to be an economically efficient circumstance where there is already a massive quantity of international customers and retailers as well as the manufacturer would be ready for deployment. Even though both a significant quantity of products as well as extremely similar or defined consumer items seem to be characteristics of pure competition."i’ve been at my job for four days, and i’ve already met all my coworkers!" amber says. which type of business does ember most likely work for?
Answers
Based on Amber's statement, it is likely that she works for a small-sized business or a company with a limited number of employees.
In larger organizations, it is generally challenging to meet and become acquainted with all coworkers within just four days, as there are typically numerous departments, teams, and employees spread across different locations or floors.
In a small business or a startup, with a smaller workforce, it is more feasible to interact with and get to know everyone in a short period. The close-knit environment of such organizations often allows for easier and quicker integration into the team.
However, it's important to note that the context provided is limited, and there could be other factors at play. It's always advisable to gather more information to make a more accurate determination about the type of business Amber works for.
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Here is selected financial statement data regarding a company's property, plant, and equipment. Balance Sheet: Dec. 31, 2018 Dec. 31, 2017 Property, plant, and equipment $ 563,000 $ 294,000 Accumulated depreciation 286,000 237,000 Income Statement: 2018 Depreciation expense $ 105,000 Gain on sale of property, plant, and equipment 26,000 During the year, PPE with a book value of $23,000 were sold. In the statement of cash flows, the investing activities section should show a cash disbursement for "purchases of property, plant, and equipment" for $ _________.
Answers
Answer:
$292,000
Explanation:
price of old equipment sold = $26,000 + $23,000 = $49,000 (cash inflow)
new equipment purchased = $563,000 - $294,000 + $23,000 = $292,000 (cash outflow)
cash flow from investing activities:
cash disbursed for purchasing new equipment = ($292,000)
cash received from sale of old equipment = $49,000
net cash flow from investing activities = ($243,000)
If you have a checking account and want to buy something online, which method of payment would be most convenient? (Select the best answer.) If you have a checking account and want to buy something online, which method of payment would be most convenient? (Select the best answer.) Writing a check Using an overdraft Using your checkbook register Using a debit card
Answers
Answer:
Using a Debit card
Explanation:
Online transaction and payments are transactions that are conducted virtually and electronically through the internet and computer network. One major attribute of this medium of payment is that physical method of payment are minimally used. An example of a medium of online payment is the use of a debit card
A debit card is a payment card issued by financial organization and linked to a customers checking account , which can be used to pay for purchases made through an online platform. It is a faster and saver means of payment.
Answer:
Debit Card (got it right on my test)
Explanation:
The end goal of budgeting is to plan and ____ organizational finances successfully?
A. justify
B. control
C.explain
D.increase
Answers
Answer:
B
Explanation:
Controlling is another organizational goal
ppos were created by _______ in response to hmos' growing market share. a. physicians b. independent contractors c. insurance companies d. hospitals
Answers
PPOs (Preferred Provider Organizations) were created by insurance companies in response to HMOs' growing market share. Therefore, option C is correct.
Insurance companies are businesses that provide insurance coverage and financial protection to individuals, businesses, or organizations in exchange for regular premium payments. Their primary function is to offer insurance policies that mitigate or transfer the risk of potential financial losses that individuals or entities may face in various aspects of life or business.
These companies assess risks, determine premiums based on the likelihood and potential severity of those risks, and provide coverage against specific events.
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How has presidential power changed over time?.
Answers
Presidents have used their unilateral powers, such as executive orders laws that do not go through Congress but nonetheless have legal effect if the courts do not invalidate them increasingly throughout time.
How has the presidency evolved over time?Congress has boosted presidential power by enacting laws and enhancing the function of the federal government. The President has demanded additional authority and accepted the concessions made by the legislative branch.Not because the constitution has changed through time, but rather because of America's expansion as a country, its emergence as a major player in world politics, the growth of the federal government, and numerous pieces of legislation that have given the president new powers.Due to the enormous development of the US military, America's greater participation in foreign affairs, and the growth of the federal government over the past 200 years, the presidency has gained more power.To learn more about presidency refer :
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A company granted its employees 100,000 stock options on January 1, Year 1. The stock options had a grant date fair value of $15 per option and a three-year vesting period. On January 1, Year 2, the company estimated the fair value of the stock options to be $18 per option. Assuming that the company did not grant any additional options or modify the terms of any existing option grants during Year 2, what amount of share-based compensation expense should the company report for the year ended December 31, Year 2
Answers
Answer:
500,000 per year
Explanation:
Calculation to determine what amount of share-based compensation expense should the company report for the year ended December 31, Year 2
Year 2 Compensation expense=(100,000*$15)/ 3 years
Year 2 Compensation expense=$1,500,000 / 3 years
Year 2 Compensation expense= 500,000 per year
Therefore the amount of share-based compensation expense that the company should report for the year ended December 31, Year 2 is 500,000 per year
Given the following information from the market: the six-month risk-free interest rate is 2% (for six months); the YTM of a one-year risk-free bond with 8% coupon rate (APR) and semiannual coupons is 6% (APR); the YTM of a two-year risk-free bond with 10% coupon rate and annual coupons is 5%. Calculate: the two-year risk-free interest rate (expressed as an EAR). Please don't copy from previous solution and provide full calculation and explanation.
Answers
The two-year risk-free interest rate, expressed as an Effective Annual Rate (EAR), is approximately 5.06%. This calculation takes into account the coupon rates and yields to maturity (YTM) of the risk-free bonds.
To calculate the two-year risk-free interest rate, we need to consider the coupon payments and the yield to maturity of the two-year risk-free bond. The coupon rate is 10% and the YTM is 5%.
The bond pays annual coupons, so we can calculate the present value of the bond's cash flows using the formula: Present Value = (Coupon Payment / (1 + YTM)^n) + (Coupon Payment / (1 + YTM)^(n-1)) + ... + (Coupon Payment / (1 + YTM)^1) + (Face Value / (1 + YTM)^n), where n is the number of years until maturity.
In this case, the bond has a two-year maturity, so n = 2. The coupon payment is 10% of the face value, and the face value is $100.
By solving the equation and finding the YTM that makes the present value of the bond's cash flows equal to its current price, we can determine the YTM.
After performing the calculation, the YTM of the two-year risk-free bond is found to be approximately 5%. To convert this yield to an Effective Annual Rate (EAR), we use the formula: EAR = (1 + YTM/n)^n - 1.
Substituting the values, we have: EAR = (1 + 0.05/1)^1 - 1 = 1.05 - 1 = 0.05, or 5%.
Therefore, the two-year risk-free interest rate, expressed as an Effective Annual Rate (EAR), is approximately 5.06%.
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1. What is the annual percentage rate (APR) for this credit card?
2. For cash advances what is the APR?
3. What three things would move the APR for the balance on this credit card to 28.99%?
4. What is the annual fee that customers are charged for holding this credit card?
5. If you decided to transfer the balance from another credit card to this credit card, what would be the fee charged?
a. What would be the APR charged for the transferred balance?
6. What is the fee for a cash advance?
7. If you use this credit card in a foreign country, what would be the fee on each transaction you made in the foreign country?
8. If you are late on making a payment, what would be the fee charged?
9. What would be the fee charged if you went over your credit limit?
Answers
Answer:
1. For purchases, the APR during an introductory period is either 8.99% or 10.99% or 12.99% depending on creditworthiness. After the introductory period the APR is 14.99%
2. Cash advance monthly rate changes based on what the Prime Rate is that month + 14.99% so if the prime rate is 3, add 14.99 to that so 17.99% of the amount received in cash. So if you take $200 cash advance, the amount charged at 17.99% would be 0.1799 x 200 =$35.98.
3. If the card holder does any of the following: makes a late payment, goes over their stated credit limit, make an account payment that is returned, or commit the afore mentioned acts on another account held by this same creditor the APR is then increased to 28.99%.
4. The annual fee charged for the credit card is $20.
5. The fee for a balance transfer is Either $5 or 3% of the amount that is transferred or $100 (whichever is greater) to this card from another account.
a. The APR charged for a balance transfer is 15.99%, but would vary based on the market Prime Rate.
6. Fee for cash advance is $5 or 3% of the amount of cash advance taken - whichever amount is largest.
7. 2% of the amount charged (in US dollars) in a transaction.
8. A late fee of $25 will be charged on an account with a balance of $999 or less. If the account balance if over $1000 the late fee of $35 will be charged and the APR will increase to 28.99%.
9. A fee of $29 is charged for accounts that exceed the credit limit in addition to an APR increase to 28.99%
Explanation: explanations are with the answers listed above.
Classify each item based on whether a change in the item would cause the curve to shift. if an item's change shifts more than one curve, place it in a single category according to this order: long run aggregate supply, short run aggregate supply, aggregate demand, no shift in any curve.
Answers
A. Increase in Government Spending: Aggregate Demand
B. Increase in Tax Rates: Aggregate Demand
C. Increase in Wages: Short-Run Aggregate Supply
D. Increase in Technology: Long-Run Aggregate Supply
E. Increase in Population: No shift in any curve
A. Aggregate demand would rise as a result of increased government expenditure, moving the AD curve to the right. In the short run, this increased demand would result in higher prices and more output, and in the long run, it would boost equilibrium output.
B. The aggregate demand would decline as tax rates rose, moving the AD curve to the left. In the short run, this decreased demand would result in lower prices and a fall in output, and in the long run, it would result in a decrease in equilibrium output.
C.The Short-Run Aggregate Supply would rise as salaries rose, moving the SRAS curve to the right. In the short run, this increased supply would result in higher prices and more output, but the long-run equilibrium output would remain same.
D.The Long-Run Aggregate Supply would rise as a result of improved technology, moving the LRAS curve to the right. In the long term, this additional supply would result in lower prices and higher output while leaving the short-run equilibrium output unchanged.
E. Because an increase in population would have no impact on aggregate supply or demand, none of the curves would change. Only the output level would change because the potential output would rise with an increase in the population.
Complete Question:
Increase in Government Spending, Increase in Tax Rates, Increase in Wages, Increase in Technology and Increase in Population.
Classify each item based on whether a change in the item would cause the curve to shift.
If an item's change shifts more than one curve, place it in a single category according to this order:
A. Aggregate Demand
B. Short-Run Aggregate Supply
C. Long-Run Aggregate Supply
D. No shift in any curve
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Composition is a special case of which of the following? O a. Realisation O b. Encapsulation O C. Aggregation O d. Generalisation
Answers
Answer: Aggregation
Explanation:
Composition is a unique instance of aggregation in the area of business studies.
A connection between two classes called an aggregate occurs when one class is made up of several instances of the other class. It symbolizes a "has-a" connection in which one class aggregates or contains another class. A particular kind of aggregation called composition strongly ties the lifespan of the aggregated class to the contained class. In composition, the contained class is normally destroyed when the enclosing class is destroyed and cannot exist independently.
Therefore, composition may be viewed as a special form of aggregation in the context of business studies, specifically referring to a strong containment connection where the contained class is a fundamental component of the containing class.
According to the national institute for occupational safety and health, how many united states employees feel stressed at work?.
Answers
The national institute indicated that about 40% of U.S. workers feel stressed at work.
What is a job stress?This refers to any harmful physical and emotional responses that occur when the requirements of the job do not correspond with the resources or need of the worker.
These job stress have a tendency to result to bad mental health, risk of anxiety, burnout, depression etc.
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explain the job environment and workplace roles of the Solar PV
Service Technician
Answers
A Solar PV Service Technician works in the renewable energy industry, maintaining and repairing solar photovoltaic systems.
A Solar PV Service Technician plays a crucial role in the renewable energy sector by maintaining and repairing solar photovoltaic (PV) systems.
Their job environment primarily involves working on-site at solar power installations, including residential, commercial, and utility-scale projects.
They are responsible for conducting regular inspections, troubleshooting issues, and performing necessary repairs or replacements to ensure the optimal performance of PV systems.
Additionally, they may assist in the installation and commissioning of new systems. Solar PV Service Technicians collaborate with other team members, such as engineers and electricians, to identify and resolve technical problems. They also stay updated on industry standards, safety protocols, and emerging technologies to provide efficient and reliable service.
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dorothy has a weekly budget of $24, which she likes to spend on magazines and pies. if the price of a magazine is $4 each, what is the maximum number of magazines she could buy in a week?'
Answers
Compared to a $4 magazine, a pie costs $12. Due to the fact that $12/$4 equals the opportunity cost of three magazines, purchasing a pie carries a three magazine opportunity cost.
Which situations in life offer opportunities?
Taking on a new position, returning to school, or running into someone with connections are all examples of opportunities. You will be given the chance to take advantage of these chances and travel down certain paths that will help you realize your aspirations. Grabbing a chance is essential if we desire the best for our careers.
Opportunities are positive external elements that may provide a competitive edge for a company.
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rising prices erode the value of money as a ________ and as a ________.
Answers
Rising prices erode the value of money as a medium of exchange and as a store of value.
What is inflation?It is the sustained and broad rise in the prices of goods and services in the economy of a country over time (one year, normally).
When there is an increase in the price level of the economy, the money loses value, lowering our purchasing power, and raising interest rates. Inflation can cause a slowdown in economic growth and recession in some cases.
The people most affected by inflationary processes are low-income families and older people because inflation lowers the values of pensions and wages.
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inflation does not affect both local and international business true or false
Answers
Answer:
true
Explanation:
inflation effects every aspect of the economy
The assertion is incorrect. International and domestic companies are both impacted by inflation. Every sector of the economy is impacted. As a result, choice (B) is accurate.
What is inflation?
In economics, inflation refers to a broad increase in the cost of products and services across the board. The purchasing power of money decreases when the general price level rises, which is why inflation is often known as a rise in prices.
Deflation is the antithesis of inflation and refers to a persistent drop in the general level of prices for goods and services. The inflation rate, which is the annualized percentage change in a general price index, is a commonly used indicator of inflation.
The majority of economists concur that chronic excessive expansion in the money supply is the primary driver of high inflation as well as hyperinflation, both of which have extremely disruptive consequences on the actual economy.
Hence, option (B) is the right answer to this question.
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WILL MARK BEST ANSWER BRAINLIEST
Write a professional email using the following scenario:
The manager is going to a conference in another city. She would like her assistant to book the flight and hotel.
Answers
A professional email based on the given scenario would sound like the following:
To: Assistant
From: Manager
Subject: Flight and Hotel Booking for Chicago
Date: January 28, 2022
Hi,
Please book my flight and hotel reservations for the upcoming conference in Chicago from February 7, 8:00 am to February 11, 2022 (5:00 pm).
Do not forget the company's favorite airline and hotel for the bookings.
Regards,
Tony
Thus, while the email sounds professional, it may be more conversational than formal since it is a workplace request.
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the organization that establishes manufacturing standards for copper tubing is
Answers
The organization that establishes manufacturing standards for copper tubing is ASTM International (formerly known as the American Society for Testing and Materials).
The ASTM has developed a set of standards that cover various aspects of the manufacturing, testing, and performance of copper tubing, including dimensional tolerances, chemical composition, mechanical properties, and corrosion resistance.
These standards ensure that copper tubing products are manufactured to consistent quality and performance standards, which helps to promote safety, reliability, and interoperability in various applications, such as plumbing, heating, cooling, and refrigeration.
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A company's flexible budget for 19,000 units of production showed sales, $81,700; variable costs, $30,400; and fixed
costs, $12,000. The variable costs expected if the company produces and sells 12,000 units is:
Multiple Choice
Answers
After solving the given problem, the variable costs expected if the company produces and sells 12,000 units is $19,200.
Variable costs are expenses that change in proportion to the activity of a company. This means that as the level of production or sales increases, variable costs will also increase, and as production or sales decrease, variable costs will decrease as well.
The variable costs can be influenced by the company's decision to increase or decrease production or sales activities. Examples of variable costs may include costs of raw materials, direct labor, and sales commissions.
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Products and services are often evaluated by the size and direction of the gap between ________.
the price of the final product and the company's marketing expenditures consumer expectations and objective performance the cost of production and the price at sale consumer expectations and product cost the target market and the income of the average consumer
Answers
Products and services are often evaluated by the size and direction of the gap between B: consumer expectations and objective performance.
When evaluating products and services, one important aspect to consider is the alignment between consumer expectations and the actual performance of the product or service. The size and direction of the gap between these two factors can provide valuable insights into how well the product or service meets consumer expectations. If the product or service exceeds consumer expectations, it indicates a positive performance.
On the other hand, if there is a significant gap indicating that the product or service falls short of consumer expectations, it may require improvements or adjustments to better meet customer needs. This evaluation helps businesses identify areas for improvement and make informed decisions to enhance customer satisfaction and overall performance.
Option B is answer.
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Accounting does anyone know how to do a work sheet
Answers
Answer:
you can download it as a pdf document and then you can write on it, or you can print it out.
Explanation:
Choose the term that best matches the description given.
The duration of this intellectual property protection is 20 years.
trademark
patent
copyright
none of these
Answers
The term that best match the sentence "the duration of this intellectual property protection is 20 years" is a patents. The Option B is correct.
What is a patents?This refers to an intellectual property that gives its owner the legal right to exclude others from making, using or selling an invention for a limited period of time in exchange for publishing an enabling disclosure of the invention.
In most nations, the patent rights fall under private law and the patent holder must sue someone infringing the patent in order to enforce their rights.
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Answer:
Patent
Explanation:
edge business law 2023
If u.s. speculators gained greater confidence in foreign economies so that they wanted to move more of their wealth into foreign countries, the dollar would:________
Answers
The dollar would: weaken if American investors increased their faith in foreign economies and desired to transfer more of their wealth there.
A diminishing value is what?
The value of a fixed asset less the total accumulated depreciation that has been recorded against it is its depreciated cost. The depreciated cost of an asset determines its worth once its useful life is over.
Why is depreciation significant and what does it entail?
Depreciation enables businesses to recoup the cost of an item at the time of acquisition. Instead than collecting the full cost of an asset right away, the technique enables businesses to do so during the asset's lifecycle. This enables businesses to replace current assets with the necessary amount of revenue in the future.
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6. Outline 4 circumstances under which some human wants canbe fully satisfied
Answers
Generally, the human wants can never be fully satisfied because its requires more resources whereas the resources are limited.
What is a human wants?This refers to the desires, aspirations and motives of humans that can be satisfied with goods and services.
For instance, the yearning for food, shelter, clothing are example of an economic human wants.
It is also accepted that the human wants are never truly satisfied because they are endless, even though these wants can be temporarily satisfy, they will always reoccur.
Therefore, the human wants can never be fully satisfied.
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henry ford's model t is a great example of a design that was totally self-contained, with no dependence on other designed systems--he succeeded at creating a design that existed outside of geopolitics or global trade systems.
Answers
Henry Ford's Model T exemplifies a self-contained design that did not rely on other designed systems. Its simplicity, reliability, and affordability made it a revolutionary vehicle that could be manufactured and sold on a mass scale. This design independence played a significant role in the Model T's success.
Henry Ford's Model T is often regarded as a groundbreaking design due to its self-contained nature. One reason for this is that the Model T was not dependent on other designed systems. Ford achieved this by creating a vehicle that did not rely on complex external components or technologies. For example, the Model T featured a simple, reliable engine that could run on gasoline, which was readily available at the time.
Furthermore, Ford's design allowed for mass production, making the Model T affordable for the average person. By using interchangeable parts and implementing assembly line production methods, Ford streamlined the manufacturing process, reducing costs and increasing efficiency. This allowed the Model T to be produced and sold on a large scale, independent of geopolitics or global trade systems.
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Henry Ford's Model T is often hailed as a groundbreaking design that revolutionized the automotive industry. This car was indeed a self-contained design, meaning it did not rely heavily on other designed systems.
One example of this is the Model T's engine. Ford's team developed a simple, reliable, and efficient engine that powered the car independently. This self-contained design allowed the Model T to be mass-produced at an affordable price, making it accessible to the average person.
The Model T's success was not tied to geopolitics or global trade systems, as it was primarily produced and sold within the United States.
Overall, the Model T serves as a prime example of a design that was self-reliant and independent.
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All companies operate in a broad ______-environment that is made up of six components, including political factors and technological factors. Multiple choice question. micro meso para macro
Answers
Answer:
The word that is underlined, that's the answer; Macro
Explanation:
hope this helps.
Answer:
the answer is macro .
Explanation:
MARK ME AS A BRIANLIESTthe andrews family has $40,000 for a down payment on a house and closing cost. they need a loan to cover the remaining expenses on the house they will purchase for $150,000. the closing costs are five percent of the home value. how much will the mortage or home loan be?
Answers
Answer:
$117.500
Explanation:
$40.000 cover
- $32.500 downton payment
- $7.500 - closing costs (5%*$150.000)
Closing costs is not a part of house price.
Remain costs = $150.000 - $32.500 = $117.500