Appendix 1: NoFlake Business Case: TechnoTec has decided to develop an innovative financial product for consumers, NoFlake. The management has understood that borrowers who are at greater risk of having money stolen from them by hackers (or other forms of cyberattacks) are less likely to be able to re-pay their debts and are more likely to be a vector for infiltration of TechnoTec’s IT systems. Therefore, to create a competitive advantage over the industry leaders, NoFlake will use an artificial intelligence engine to analyse both the credit risk and the cyber-security maturity of their borrowers.
How Does NoFlake Work?
The AI engine uses an algorithm (see Appendix 2) to generate a predictive risk score between -100 and +100 for each potential borrower (with positive 100 being awarded to thelowest-risk borrowers and negative 100 being awarded to the highest-risk borrowers).
Who Built NoFlake?
The algorithm development team consisted of: Philippe Jankins-Chao (Team Leader, USyd IT graduate, age 26) Carmichael St Clare (Senior Developer, USyd IT graduate, age 24) Sebastian Montford-Smythe (Developer, Macquarie IT graduate, age 24) The development team hired Swizzle Pty Ltd to collect training data for the algorithm. Swizzle uses individual backpackers (paid minimum wage) to conduct surveys on major public streets in capital cities.
Financial Analysis of NoFlake:
TechnoTec currently pays 20 employees an average of $76,000 per year to determine which loan applicants should be approved, of which only two employees would be needed after NoFlake is introduced. NoFlake has two main goals: 1) to outperform human credit risk analysts by at least 20% (i.e. that the rate of loan non-repayments by applicants selected by NoFlake will be below 5.6% vs the current non-repayment rate of 7%); and 2) to lower by at least 40% (i.e. $600,000) the annual losses incurred by TechnoTec as a result of cyber-attackers gaining access to its internal systems using the legitimate log-in details of its customers. In 2020, TechnoTec lost $1.5m from such cyberattacks. On a loan-book totalling $50 million, the expected annual savings from NoFlake are: $50,000,000 * 0.014 (credit benefits) + $600,000 (cyber-security benefits) + $76,000 * 18 (labour cost savings) = $2,668,000. Given an expected cost of development of $1 200 000 and ongoing operational costs of $300,000, over a five-year period, the expected savings from implementing NoFlake are: $2,668,000 * 5 – ($1,200,000 + ( $300,000 *5)) = $10,640,000. This equates to an 887% return on initial development costs, or 177% per annum over five years. Additional revenues could be generated by licencing the algorithm to third-party financial institutions (such as mortgage brokers) and paying a trailing commission to those brokers based on the value of the loans they originate which are approved by the algorithm. Those brokers would need to be trained in how to gather and fill in the information needed from borrowers to enable the algorithm to make its decisions.
Question:
Using the following appendixes give an explanation of how technology can help decision making (informed by the appendix above and real-world examples) explaining positive and negative aspects of the ethical challenges this can create.

Place utility adds value to goods by having them available where people want them .

Option A is correct .

Time utility, By making things accessible when customers need them, intermediaries like retailers give them more time utility. By doing whatever action required to transfer ownership from one party to another, including offering credit, intermediaries increase the utility of possession.

Consumers place value on the location of stores where they buy goods. Instead of having to drive to a factory or warehouse where the goods are made or stored, stores make it simpler for customers to make purchases. Customers find what they require in a location that is conveniently situated close to their place of residence or employment.

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Answer:

items in your belongings

Answer:

A wealth tax is a controversial proposal that would tax individuals' accumulated wealth rather than their income. Supporters of a wealth tax argue that it would help address growing income inequality, provide revenue for essential public services, and ensure that the wealthiest individuals are paying their fair share. Opponents of the wealth tax argue that it would discourage investment, lead to capital flight, and ultimately harm economic growth. They also argue that a wealth tax is difficult to administer and could result in unintended consequences, such as driving wealthy individuals to hide their assets or leave the country.

According to a recent article from Forbes, "The case for and against a wealth tax," the debate over a wealth tax has intensified in recent years, with some countries already implementing the policy and others considering it. The article presents both sides of the argument, highlighting the potential benefits of a wealth tax, such as reducing wealth inequality and raising revenue for public services, as well as the potential drawbacks, such as discouraging investment and leading to capital flight. The article also notes that implementing a wealth tax is not a straightforward process and requires careful consideration of the policy's design and administration.

I do not have a personal opinion on this issue. However, I can provide that a wealth tax is a complex and highly debated topic that involves weighing the potential benefits of reducing wealth inequality and raising revenue against the potential drawbacks of discouraging investment and leading to capital flight. It ultimately requires careful consideration and analysis of the policy's design and administration to determine whether a wealth tax would be effective and fair.

Answer: 1295.02

:)

Explanation:

The statement that is WRONG is option c, which says "Once you turn 18, it will be really easy to get approved for a credit card."

While it is true that turning 18 makes you eligible for a credit card, it does not guarantee approval. Credit card companies look at factors such as credit history, income, and debt-to-income ratio to determine if you are a suitable candidate for their card. Without any credit history, it can be difficult to get approved for a credit card, even if you are 18 or older.
Option a is true, as closing a credit card does not immediately remove it from your credit report. It may stay on your report for several years, and the length of time depends on the credit bureau and the specific card.
Option b is also true, as having a long credit history can positively impact your credit score. This is because it shows that you have a track record of responsibly managing credit.
Option d is also true, as using your credit card every month and paying off the balance each time can demonstrate responsible credit management and help boost your credit score over time.

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Blank 1: shortage

Blank 2: increase

Wire, oral, or electronic communications interception and/or recording is generally prohibited except by law enforcement officers with a warrant.

The statement "The interception and/or recording of wire, oral, or electronic communications except by law enforcement officers with a warrant" indicates that under federal law, it is generally prohibited to intercept or record such communications without proper authorization.

Law enforcement officers are typically required to obtain a warrant based on probable cause before conducting electronic surveillance.

This ensures that privacy rights are protected and that surveillance activities are conducted within the boundaries of the law.

Exceptions to this rule may exist in certain circumstances, such as when certified fraud examiners are involved in legitimate investigations or when recordings are made in public venues.

However, in general, the interception and recording of wire, oral, or electronic communications without proper authorization is restricted.

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Perception is important in the study of Organizational Behavior (OB) simply because people's behavior is based on their perception of what reality is, not on reality itself.

Perception plays a significant role in shaping human behavior. It is the process through which people receive, interpret, and organize information from their surroundings. Perception is a mental process that enables people to make sense of their world by processing sensory information. Perceptions are subjective, and people's behavior is often based on their perception of reality, not reality itself.

In the study of Organizational Behavior, perception is essential because it affects how people think, feel, and behave in the workplace. People's perception of themselves, their co-workers, their jobs, and the organization as a whole can shape their attitudes and behaviors. For example, if an employee perceives that they are being treated unfairly at work, they might become demotivated and start to underperform. Another employee who perceives that they are being rewarded fairly might be motivated to work harder.

Perception also influences the way people communicate and interact with one another. It affects how they perceive messages, interpret information, and form judgments about other people. This can lead to misunderstandings, miscommunications, and conflicts in the workplace.

In conclusion, perception is an essential aspect of the study of Organizational Behavior. People's behavior is not based on reality itself but on their perception of reality. Perception shapes how people interpret and respond to their surroundings, influencing their attitudes and behaviors. Understanding perception is critical for managers and leaders to create a positive work environment and foster healthy relationships between employees. By being aware of the power of perception, managers can improve communication, reduce conflicts, and increase productivity in the workplace.

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Answer:

D. Gabriel stays late after work to finish a task that is due.

Explanation:

The scenario that best demonstrates an employee being responsible is: “Gabriel stays late after work to finish a task that is due.​” Hence, option D is correct.

Scenarios are purposefully casual, open-ended, and fragmentary narrative representations of important usage circumstances taking place throughout time.

A usage scenario is a description of how a person would employ a current system or product. A design scenario is a description of how a system or product that is currently under development will be used.

In literature, a scenario can refer to a summary of what is happening and the current circumstances. While a scenario and a situation are very similar, the former hasn't occurred and the latter may never do so. scenario definitions a suggested timeline of potential outcomes.

Therefore, option D is correct.

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Answer:

Loss

Explanation:

Because she started with 860.00 then ended with 300

Answer:

350

Explanation:

I guessed

The control environment component in an audit client with limited accounting department staff would likely include controls related to the segregation of duties, such as:

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Helen's minimum balance during the quarter was $613.

According to the terms and conditions of the account agreement, a customer is required to keep the smallest amount of money in their account for a predetermined amount of time. This amount is known as the minimum balance in an account. Depending on the type of account and the bank's policies, the minimum balance can be set at a certain amount or it can change.

Plugging in the values, we get:

A = 783(1 + 0.027/4)^(4*(3/12))

A ≈ $791.13

So the balance at the end of the quarter, before the deposit, was about $791.13.

Next, we need to figure out the impact of the withdrawal and deposit:

August 17: Helen withdrew $170, leaving a balance of $783 - $170 = $613.

September 12: Helen deposited $200, bringing the balance to $613 + $200 = $813.

We can conclude that the minimum balance was $613 because the balance on July 1 was higher than the estimated balance at the end of the quarter, which was $791.13.

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Answer:

Classical economists argue that wages—the price of labor—are determined (like all prices) by supply and demand. They call this the market theory of wage determination. ... Long story short: the price of labor is determined in the free market just like every other price, by the intersection of supply and demand.

Explanation:

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Between 2 to 3 is the return on a yearly interest rate investment that is compounded monthly as opposed to compounded yearly .

Compound interest is interest that is earned on both the initial principal and interest that builds up over time in a savings account. There may be a difference in the timing of when interest is paid out and compounded. For instance, interest on a savings account may be paid monthly but compounded daily. The account balance plus any interest that has accrued but has not yet been paid out are used by the bank to determine your daily interest earnings.

Over time, you will earn more interest if an account has a greater interest rate and compounding occurs more frequently.

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Answer:

$38,000

Explanation:

Based on the information given we were told that the City General Fund balance sheet for the month of December 31, 2019 shows that inventory had the amount of $28,000 while prepaid rent has the amount of $10,000 which means that the amount of money that city will report as NOSPENDABLE fund balance in their general fund on December 31,2019 will be $38,000 calculated as ($28,000+$10,000).

Georgia's waterway systems, which include ports and rivers, serve as social transportation systems by constructing national infrastructure that supports domestic and international trade, business, and leisure. In recognition of this critical purpose, the federal government has assumed responsibility for the creation, maintenance, and secure operation of shipping channels.

How have the nation's mountain and river systems influenced the development of the United States?

The United States' waterways and mountains, like the rest of the world, have had a significant impact on where people settled and how towns and cities interacted with one another. Because of the relative isolation and shared geography created by mountain ranges, large mountain ranges served as natural barriers between groups, resulting in the development of distinct regional shared cultures. Rivers, on the other hand, linked communities through ease of travel, trade, and shared access to water and other natural resources.

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Public clouds are the most prevalent. The cloud service provider offers all hardware in a public cloud deployment method.

Long troubleshooting, application downtime, migration agents, and cutover complexity are a few notable issues that need to be handled in this situation.

Copyright infringement liability, data breaches, security violations, privacy and HIPAA violations, data loss, information management, electronic discovery ("e-discovery"), hacking, cybersecurity, and numerous other complex issues are just a few of the legal problems that can arise "in the cloud" and lead to complex litigation and.

Public cloud deployment is the most typical kind of deployment. In a public cloud deployment method, the cloud service provider supplies all of the resources, so you don't own any hardware.

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The University's decision to refuse to pay Prof Denzil Carew any further salary after the Business Administration Building was destroyed by fire may be a breach of their obligation of performance.

When Prof Denzil Carew accepted the job offer from Stanford University to teach business law for the full 3-semester academic year from 1 Jan 2021 at a salary of $10,000 per month, he entered into a contract with the University. The contract likely included terms and conditions that outlined the University's obligations to Prof Carew, as well as Prof Carew's obligations to the University.

One of the University's obligations was to pay Prof Carew his salary in accordance with the terms of the contract. The fact that the Business Administration Building was destroyed by fire does not excuse the University from fulfilling its obligation to pay Prof Carew. The University's decision to refuse to pay Prof Carew any further salary after the building was destroyed may be a breach of their obligation of performance.

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Sample contains the 1595 male university eraduates who have a white collar job. Hence, option C is the correct answer.

The set of all people, items, or objects that are required for a specific study is defined as the population.

Given that

Population size be N

And the gallup organization contains 1595 male University graduate who have a white collar job and ask whether or not they have received a rise at work during the past four months.

Here sample size is N = 1595

And random variable of interest is white collar job.

It is heavy for researchers to inspect each discrete in the population. Hence, a smaller group of sole (subjects) are selected from the population of interest. Therefore, the group of sole taken from the population of interest is known as the sample.

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Livestock Wealth takes an "outside-in" perspective as it focuses on the external factors and market demand to drive its business model.

Livestock Wealth allows individuals to invest in livestock and earn returns based on the market demand for meat and other livestock products. They consider the market dynamics, consumer preferences, and economic factors to determine the viability of their investment offerings. Livestock Wealth does not primarily focus on the internal aspects of livestock farming, such as breeding, rearing, and managing the animals, but rather on the financial opportunities and returns that can be derived from investing in livestock. By adopting an "outside-in" perspective, Livestock Wealth aims to provide investment opportunities that align with market demand and financial goals.

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Answer:

well thats easy all you have to do is get a good grade on every single assignment in every class

Explanation:

which is very hard

Answer:

To do your work and stop asking how to get around it on Brainly. Please don't cheat, your teacher can see past that, especially when you copy verbatium like I bet you do.

Explanation:

Answer:

rat

Explanatio

The repayment of a note payable is classified in the statement of cash flows as a financing activity.

The financing activity in the cash flow statement focuses on how a firm raises capital and pays it back to investors through capital markets. The largest line items in the cash flow from financing activities statement are dividends paid, repurchase of common stock, and proceeds from the issuance of debt.

The cash flow from financing activities helps investors see how often and how much a company raises capital and the source of that capital.

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Answer:

Gel gloss are included stronger components that realize the nail tighter than traditional lacquers and also are solid sufficient to withstand day-to-day wear and tear without damaging, discusses Essie Global Lead Instructor Rita Comment. A few distinctions in between the formula and also your normal lacquer? Gel polishes are much more adaptable, so they withstand chips; Gels are treated under a UV or LED light and brightens treatment in oxygen. Gels have to be eliminated by soaking in acetone for at the very least 10 minutes, while polishes can be quickly wiped away with nail gloss cleaner.

Explanation:

I have given many options

where did u see him last

You should advise Cho to open an asset management, all-in-one, or central asset checking account, which pays interest.

A single monthly statement detailing all of the transactions in the AMA's checking, savings, stock brokerage, and mutual fund accounts is provided.

Cho should be advised to open an interest-bearing checking account with the AMA. Some of the attributes of a standard checking account and those of an investment account are combined in an asset management account. Banks are using this type of account more frequently as clients look for ways to streamline their finances and save time. The AMA provides a unified and coordinated assortment of mutual fund, stock brokerage, checking, and savings accounts, with a single monthly statement detailing all transactions.

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The best interest-paying checking account for Yvette is Asset management account (AMA).

It is the best because Yvette can easily obtain their monthly statement of account information and because this account makes it possible to easily verify their accounts. With this account, banks offer debit or credit card services, allowing Yvette to easily have access to a mini statement of her bank account information from an ATM.

This account provides a range of services to the account holders, including account verification, debit or credit card capabilities, money transfers between account holders' accounts, and the ability to borrow money at a lower interest rate.

Other interest-paying checking accounts are:

MMDAs (Money Market Deposit Accounts) are a type of savings account that, in comparison to traditional savings accounts, allows account holders to earn a higher rate of annual yield. Compared to a standard savings bank account, this account requires a larger minimum balance in the account holder's accounts.

Money Market Mutual Funds (MMMF): This is an account that enables people to invest their money in debt or securities for a brief period of time and then withdraw it.

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A mission statement can help Donna with her new business by providing clarity and direction for her venture. It serves as a guiding statement that outlines the purpose, values, and goals of the business.

It helps Donna align her decisions, actions, and strategies with the overall mission, facilitating focus and consistency in her business operations. A mission statement is a concise statement that articulates the purpose and core values of a business. It outlines what the business aims to achieve and how it intends to operate. For Donna, having a mission statement for her new business can provide several benefits.

Firstly, it helps Donna define the purpose and direction of her business. It clarifies the reason for starting the business and what it aims to accomplish, providing a sense of focus and clarity.

Secondly, a mission statement helps Donna communicate her business's values and principles to stakeholders, including employees, customers, and investors. It sets the foundation for building a strong company culture and aligning everyone's efforts toward a common goal.

Lastly, a mission statement can serve as a guide for decision-making and strategy development. When faced with choices or challenges, Donna can refer to her mission statement to ensure that her actions align with the overall purpose and values of her business.

A mission statement plays a crucial role in helping Donna with her new business by providing clarity, guiding decision-making, and aligning stakeholders toward a common vision.

In conclusion, a mission statement can significantly benefit Donna in her new business. It provides clarity and direction, communicates values to stakeholders, and guides decision-making and strategy development. By establishing a mission statement, Donna can effectively define her business's purpose and goals, foster a strong company culture, and make informed decisions that align with her business's overall mission. This helps create a solid foundation for success and growth in her new venture.

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Answer:

when you start working a regular job

Explanation:

Answer:

When you start working

Explanation: